JP2007108895A - Atm and biometrics method by atm - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an ATM and a biometrics method by an ATM for preventing illegal deposit withdrawal by preventing biological information stored in a cash card from being stolen, and easily performing the upgrade processing of the program for biometrics of the ATM. <P>SOLUTION: This ATM is mounted with an IC medium having a CPU and a memory so that it can be attached and detached, and a program for biometrics is stored in the memory. This biometrics method is provided to make the ATM encrypt and read the biological information stored in the IC card, and to read biological information from the body of the user of the ATM, and to transmit the two biological information to the IC medium mounted on the ATM so as to be attached and detached, and to decode the biological information encrypted in the IC medium, and to compare and collate the decoded biological information with the biological information read from the body of the user in the IC medium, and to transmit illegality decision information based on the result of the comparison collation from the IC medium to the ATM. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention performs ATM (Automatic Tellers Machine) that performs financial transaction processing using a cash card, a so-called cash dispenser, and authentication processing for the legitimacy of a user using a part of a human body. The present invention relates to a biometric authentication method using ATM.

2. Description of the Related Art Conventionally, as a method for authenticating the validity of a user who makes a financial transaction using an ATM set up by a financial institution or the like, a method of comparing and collating using a personal identification number or biometric information is already known.
In particular, the method of collating biometric information held by a part of the body uses unique information such as fingerprints, veins, voiceprints, irises, etc. as biometric information of the user. There is an advantage that it is excellent in security without worrying about being stolen.

As a conventional technique using biometric information, a user's fingerprint information stored in advance on an IC card and fingerprint information read directly from the body of a user using an ATM are collated in the ATM, 2. Description of the Related Art A fingerprint verification system in ATM that performs authentication is known. (For example, see Patent Document 1)
This fingerprint collation system is configured to execute fingerprint collation processing in an ATM CPU, or to perform fingerprint collation processing in a fingerprint scanner or a fingerprint scanner processing unit.
JP 2001-67523 A

However, in the above-described system for performing the personal authentication process, when the IC card is stolen by a third party, the fingerprint information stored in the IC card can be read out. Based on the read fingerprint information There is a risk that fraudulent deposits may be made by creating a finger with a similar fingerprint.
Furthermore, since the fingerprint verification processing program, which is a biometric authentication program, is built into the ATM, it cannot be easily changed, so the same system processing will be carried out over a long period of time. There is a security risk that criminals will study these processing methods, analyze the processing methods, and perform fraudulent activities such as fraudulently withdrawing deposits from other people's accounts.
For this reason, simply storing fingerprint information in an IC card or performing the same system processing for a long period of time has a problem in terms of security.

  Even if the criminal researches the processing method, it is possible to avoid criminal acts by changing the biometric authentication program installed in the ATM, but many ATMs are usually installed. However, it takes time and effort to upgrade the biometric authentication program installed in those ATMs, and there is a problem that it is not possible to easily shift to a new program.

  Therefore, the present invention can prevent the biometric information stored in the IC card, which is a cash card, from being illegally stolen, and in an ATM that performs biometric authentication processing, it takes less time and effort than conventional. Biometric authentication by ATM and ATM that can prevent criminals from illegally withdrawing deposits from other people's accounts by enabling version upgrade processing such as changing biometric authentication programs. Provide a method.

  The ATM of the present invention is an ATM (cash dispenser) that performs financial transaction processing using a cash card, and the ATM is provided with an IC medium having a CPU and a memory in a removable manner. A biometric authentication program is stored.

  The ATM of the present invention is compared with the biometric information directly read from the human body after the biometric authentication program decrypts the encrypted biometric information read from the IC card possessed by the ATM user. It is characterized in that collation is performed and legitimacy determination processing is performed based on the result of the comparison and collation.

  The biometric authentication method using ATM according to the present invention is a biometric authentication method using ATM for determining the legitimacy of an ATM user, wherein the biometric information stored in the memory of the IC card is encrypted and the ATM is used. Reading the biological information from the body of the user of the ATM, transmitting the two biological information to an IC medium detachably provided in the ATM, and in the IC medium A step of decrypting the encrypted biometric information, a step of comparing and collating the decrypted biometric information with the biometric information read from the user's body in the IC medium, and a result of the comparison and collation And transmitting legitimacy determination information based on the IC medium to the ATM.

  In the ATM of the present invention, an IC medium having a memory in which a biometric authentication program is stored is detachably provided in the ATM. Therefore, even when it is desired to perform a version upgrade process such as a change of the biometric authentication program, It is possible to remove the IC medium provided in the ATM and easily replace it with an IC medium in which a new biometric authentication program is stored. This has the effect of preventing criminals from withdrawing deposits illegally from other people's accounts.

  Also, in the ATM of the present invention, the biometric authentication program decrypts the encrypted biometric information read from the memory of the IC card possessed by the ATM user, and the biometric information read directly from the human body Since there is a program for comparing and collating and determining the legitimacy based on the result of the comparing and collating, even if the biometric information stored in the IC card, which is a cash card, is illegally stolen, the biometric information Since it is encrypted, there is an effect that it is possible to prevent a criminal from withdrawing a deposit illegally from another person's account.

  Furthermore, in the biometric authentication method using ATM of the present invention, even if the biometric information stored in the IC card, which is a cash card, is illegally stolen, the biometric information is encrypted. It is possible to prevent unauthorized withdrawal of deposits from an account, and it is possible to remove an IC medium provided in an ATM and easily replace it with an IC medium storing a new biometric authentication program. Thus, there is an effect that the upgrade process can be efficiently performed in a short time without trouble, and a criminal can be prevented from illegally withdrawing a deposit from another person's account.

Hereinafter, an ATM and a biometric authentication method using ATM according to an embodiment of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram for explaining an outline of an ATM configuration according to an embodiment of the present invention, FIG. 2 is a diagram for explaining an outline of a biometric authentication method by ATM according to an embodiment of the present invention, and FIG. It is a flowchart figure explaining the process sequence of the biometrics authentication method by ATM which concerns on embodiment of this.

In the outer part of ATM1 which concerns on embodiment of this invention, the card insertion part 5 which inserts IC card 3 which is the cash card which the user 2 possesses, the display part 6, the input part 7, the vein pattern reading part 8, cash A handling unit 9 is provided, and the user 2 has a function of processing a financial transaction by inserting the IC card 3 as a cash card from the card insertion unit 5 and performing a predetermined operation. Yes.
The ATM 1 is provided with a detachable IC medium 4 having a CPU and a memory so that the IC medium 4 can be removed and replaced as necessary.
However, the IC medium 4 is attached and provided inside the ATM 1 in a locked state so as not to be illegally removed and stolen by a person who does not have a legitimate authority.

In the memory of the IC card 3 which is a cash card, biometric information consisting of the user's vein pattern information is stored in advance, and when the ATM1 reads the biometric information, the biometric information is encrypted in the IC card 3. Can be read in the state.
Further, a biometric authentication program is stored in the memory of the IC medium 4.
This biometric authentication program decrypts the encrypted biometric information read from the memory of the IC card 3 possessed by the ATM1 user and compares it with the biometric information read directly from the user's body at the ATM1. Thus, the program is programmed so that the legitimacy determination and authentication process is performed based on the result of the comparison and collation.

  In the IC medium 4, legitimacy determination / authentication processing for the user based on the biometric information is performed, but legitimacy determination authentication information as a result of the legitimacy determination / authentication processing is transmitted from the IC medium 4 to the ATM 1. Thus, the user can use ATM1 and the user cannot use ATM1.

Next, the biometric authentication method by ATM of this invention is demonstrated based on FIG.2 and FIG.3.
Here, a case where vein pattern information is used as an example of biometric information will be described.
A user inserts the IC card 3 as a cash card from the card insertion portion 5 of the ATM 1. (Step 1)
When ATM1 reads vein pattern information that is biometric information stored in the IC card 3 that is a cash card, the vein pattern information stored in the memory of the IC card 3 is encrypted and transmitted to the ATM1. . (Step 2)

Next, the user 2 puts the palm on the vein pattern reading unit 8 to read the vein pattern information. (Step 3)
The ATM 1 is provided with the ATM 1 so that the encrypted vein pattern information read from the IC card 3 as a cash card and the biometric information including the vein pattern information read from the vein pattern reading unit 8 can be removed from the ATM 1. Transmit to the IC medium 4. (Step 4)

Next, the vein pattern information encrypted in the IC medium 4 is decrypted. (Step 5)
Further, in the IC medium 4, the decrypted biometric information is compared with the biometric information read from the user's body. (Step 6)
As a result of this comparison and collation, if the coincidence is coincident, a signal for permitting transaction processing at ATM1 is transmitted from the IC medium 4 to ATM1 as validity determination information. (Step 7)
As a result of the comparison and collation, if the collation does not match, a signal for disabling transaction processing at ATM 1 is transmitted from the IC medium 4 to ATM 1 as validity determination information. (Step 8)

Through the above processing, it is determined whether or not the user of ATM 1 has a legitimacy to conduct a financial transaction using the IC card 3 as the cash card, and is judged to have the legitimacy. ATM1 can be used only in the case of
In the above example, vein authentication using vein pattern information as an example of biometric information has been described. However, the present invention is not limited to this, and various biometric information such as fingerprints, voiceprints, and irises can be used. .

In addition, as an IC medium having a CPU and a memory that is detachably provided in the ATM, media having various shapes such as a card shape and a stick shape can be used.
There are various methods for detachably providing the IC medium to the ATM, and there is no particular limitation.

It is a figure explaining the outline | summary of a structure of ATM which concerns on embodiment of this invention. It is a figure explaining the outline | summary of the biometrics authentication method by ATM which concerns on embodiment of this invention. It is a flowchart figure explaining the process sequence of the biometrics authentication method by ATM which concerns on embodiment of this invention.

Explanation of symbols

1 ATM
2 users
3 Cash cards consisting of IC cards
4 IC media
5 Card insertion part
6 Display section
7 Input section
8 Vein pattern reading unit
9 Cash Handling Department

Claims (3)

An ATM (cash dispenser) that processes cash transactions using a cash card,
The ATM is provided with a removable IC medium having a CPU and memory,
The ATM, wherein a biometric authentication program is stored in the memory.   After the biometric authentication program decrypts the encrypted biometric information read from the IC card possessed by the ATM user, the biometric information is compared with the biometric information read directly from the human body, and the comparison verification The ATM according to claim 1, wherein a validity determination process is performed based on a result. An ATM biometric authentication method for determining the legitimacy of an ATM user,
Reading the ATM after encrypting the biometric information stored in the memory of the user's IC card and reading the biometric information from the user's body;
Transmitting the two pieces of biological information to an IC medium detachably provided in the ATM;
Decrypting the biometric information encrypted in the IC medium;
In the IC medium, comparing the collated biometric information with the biometric information read from the user's body;
Sending legitimacy determination information based on the result of the comparison and verification from the IC medium to the ATM;
A biometric authentication method using ATM, comprising:

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