JP2007109075A - Automatic transaction apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus having a biometric authentication function with a means for reducing transaction operation time. <P>SOLUTION: A transaction screen is divided into a first area and a second area. The first area is for transaction operation guidance and for inputs and the second area is for guidance on biometric authentication so that the transaction operation displayed in the first area and the biometric authentication displayed in the second area can be operated in parallel. A user performs the transaction operation and the biometric authentication with both hands, thereby reducing the transaction operation time. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution or the like and operated by a customer, and more particularly to an automatic transaction apparatus having a biometric authentication function such as a palm vein or a finger vein.

  In recent years, fraud due to counterfeiting of cash cards and credit cards has frequently occurred. In addition, peeping of a personal identification number is often performed, and it is becoming impossible to safely protect the user's assets only by authentication using the personal identification number.

  In order to solve such problems, authentication using biometric information has been proposed. In authentication using this biometric information, information (biological information) on the palm vein or finger vein of the user is encrypted and recorded on a cash card (IC card). When executing the transaction, the automatic transaction apparatus reads the user's biometric information, transmits the information to the cash card, and compares the IC chip on the cash card with the biometric information stored in advance to authenticate.

Next, a specific flow of “withdrawal” processing using biometric authentication will be described with reference to FIG. In SA1, the automatic transaction apparatus displays a transaction screen. In SA2, the user selects “withdrawal”. The automatic transaction apparatus displays a screen prompting the user to insert a card, and waits for card insertion (SA4). When the card is inserted, the automatic transaction apparatus determines whether the inserted card is an IC card (SA5). If it is an IC card, the automatic transaction apparatus displays a screen for guiding biometric authentication in order to authenticate palm veins or finger veins (SA7). The user places his palm or finger on the authentication device according to the guidance on the screen. The automatic transaction apparatus reads an image of a palm vein or a finger vein and transmits the read image information to an IC card. The IC card performs biometric authentication by comparing biometric information data stored in advance with image information received from the automatic transaction apparatus. The IC card transmits the authentication result to the automatic transaction apparatus. When the biometric authentication is authenticated (SA8), the automatic transaction apparatus displays a password input screen and prompts the user to input the password (SA9). When the user's password input is confirmed (SA10), the automatic transaction apparatus displays an amount input screen (SA11) and allows the user to input the withdrawal amount. When the automatic transaction device determines the input of the withdrawal amount of the user (SA12), the automatic transaction device sends a message containing information necessary for the transaction, such as the account number, password, and withdrawal amount, to the host device and withdraws at the same time. Prepare to withdraw money corresponding to the amount (SA13). When a transactionable message is received from the host device and the preparation for withdrawal is completed, the transaction details are printed, the card and statement slip are released (SA14), and money is withdrawn (SA15).
JP 08-50677 A

  However, the above-described conventional technique has a problem that it takes a long time for the transaction operation. The transaction operation time of the automatic transaction apparatus has been conventionally reduced from various viewpoints. For example, a fixed amount withdrawal key such as “10,000 yen withdrawal” and “30,000 yen withdrawal” is provided, or communication with the host apparatus is performed. There are already a number of financial institutions that use the technology for counting money and money at the same time. However, biometric authentication is a new function and is simply added to the conventional transaction flow, so it takes more time than before. In biometric authentication, the degree of similarity changes depending on how the user's hand or finger is placed. If the placement is poor, biometric authentication is performed again, and further transaction operation time is required. In addition, the IC cash card takes longer to communicate than the magnetic cash card. From this point of view, the transaction operation takes more time than before and the convenience of the customer is impaired.

  The present invention has been made to solve the above-described problems, and an object thereof is to provide means for shortening the transaction operation time while having a biometric authentication function.

  In order to solve the above problems, the present invention provides a customer operation unit having display means for displaying an operation guidance screen for a user, and input means provided on the display means for receiving input from the user, Screen storage unit for storing operation guide screen data to be displayed on the operation guide screen, a biometric information input unit for acquiring user biometric information, a host communication unit for communicating with the host device, and a currency for counting money A counting unit and a first area and a second area are provided on the operation guide screen, and the first area guides a transaction operation to the user, and proceeds with the transaction operation according to the user's input. The control unit and the second area perform a display for guiding the user to acquire biometric information, the second control unit for acquiring the biometric information of the user from the biometric information input unit, and the first Operates the control unit and the second control unit in parallel It controls the respective units so as to, in which is characterized by having a third control unit for starting to the host communication unit or the operation of the money counting unit determines the end of the operation of the first control unit.

  According to a second aspect of the present invention, there is provided a customer operation unit having display means for displaying an operation guide screen for a user, input means provided on the display means for receiving input from the user, and the operation guide. A screen storage unit that stores operation guidance screen data to be displayed on the screen, a biometric information input unit that acquires biometric information of the user, a first region and a second region are provided on the operation guidance screen, and the first region Guides the operation of the transaction to the user, the first control unit for proceeding the transaction operation in accordance with the input of the user, and the second area performs a display to guide the user to obtain biometric information The second control unit that acquires the biological information of the user from the biological information input unit, and the first control unit and the second control unit that control the respective units to operate in parallel. 3 control units. .

  Moreover, in the invention which concerns on Claim 3, in the automatic transaction apparatus of Claim 1 thru | or 2, a said 3rd control part is a transaction operation by the said 1st control part, or the biometric information by the said 2nd control part. When the end of the input is determined, an operation that is controlled by the control unit that has not determined the end is displayed in the area of the operation guide screen controlled by the control unit that has determined the end and the operation related to the control unit is terminated. In the area of the guidance screen, guidance display related to the control unit is performed.

  According to a fourth aspect of the present invention, in the automatic transaction apparatus according to the first or second aspect, the third control unit is configured to perform a transaction operation by the first control unit or a biometric information by the second control unit. When the end of the input is determined, the guidance display controlled by the control unit that has not determined the end is performed on the area including the first area and the second area.

  In the invention according to claim 5, a customer operation unit including a display unit that displays an operation guide screen to a user, an input unit that is provided on the display unit and receives an input from the user, and the operation guide Screen storage unit for storing operation guidance screen data to be displayed on the screen, biometric information input unit for acquiring biometric information of the user, host communication unit for communicating with the host device, and currency counting unit for counting money And a first control unit that guides the transaction operation and advances the transaction operation according to the user's input, and performs a display for guiding the user to acquire biometric information, and the biometric information of the user The second control unit acquired from the information input unit and the first control unit allow the user to input a transaction operation, and information necessary for the operation of the host communication unit or the money counting unit is input. Later, the second system Parts and is obtained by further comprising a third control unit for controlling the respective units to operate in parallel the host communication unit or the money counting unit.

  As described above, the present invention reduces the transaction operation time by simultaneously performing biometric authentication and other operations in the automatic transaction apparatus, and thus has the effect of improving customer convenience.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

  1, FIG. 10 to FIG. 13 are diagrams for explaining screen display of the automatic transaction apparatus of the embodiment, FIGS. 2 to 4 are diagrams for explaining the automatic transaction apparatus of the embodiment, and FIG. 5 is an automatic transaction apparatus of the embodiment. FIG. 6 is a diagram illustrating the configuration of the storage unit 11 according to the embodiment. FIG. 7 is a block diagram showing an IC cash card used in the automatic transaction apparatus of the embodiment, and FIG. 6 is a diagram showing a configuration of the storage unit 19 of the embodiment. FIG. 9 is a diagram for explaining the processing flow of the embodiment.

  2 to 6, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a store such as a financial institution or a store such as a post office or a convenience store, and automatically performs cash transactions with users.

  Reference numeral 2 denotes a display unit, which includes a CRT, a liquid crystal panel, and the like, and displays an operation guidance screen such as operation guidance and account balance for the user. An input unit 7 is provided so as to overlap the display unit 2. The input unit 7 is an infrared touch panel or the like. When the user touches the input unit 7, the touched coordinates are input. A button image is displayed on the display unit 2, and when the user touches the input unit 7, information such as numbers and transaction items displayed on the button image is input. The display unit 2 and the input unit 7 constitute a customer operation unit 6.

  Reference numeral 5 denotes a biometric information input unit, which is on the right side of the customer operation unit 6 on the operation panel 15 of the automatic transaction apparatus 1, and takes an image of the palm of the user with an infrared camera. The photographed palm image is processed by the main control unit 8 so that the vein pattern is clear and used for biometric authentication. In the biometric information input unit, biometric information is obtained by placing the palm of the hand 16 on the biometric information input unit 5 as shown in FIG.

  A card processing unit 3 reads a user's account number, membership number, and the like from a card such as a cash card or a credit card inserted by the user. The card processing unit 3 includes an IC card contact so that an IC card can be handled in addition to the magnetic card. The card processing unit 3 includes a statement slip processing unit 12 that prints and releases a statement slip (receipt) to the user.

4 is a banknote processing part, withdraws a banknote from a banknote storage part with respect to a user, counts the banknote which the user inserted, and stores it in a banknote storage part.
A communication unit 9 performs communication with the host computer 14 through a telephone line, a dedicated line, the Internet, and the like.
Reference numeral 10 denotes a voice output unit that outputs a usage guide such as “Come to me” or “Enter the amount and press confirmation” to the user by voice.

Reference numeral 13 denotes a passbook processing unit which reads the magnetic stripe of the passbook inserted by the user and prints the transaction information of the user on the passbook.
Reference numeral 14 denotes a host computer installed in a center of a financial institution, which is connected to an automatic transaction apparatus 1 installed in a store via a communication line. The account number of the customer's account, its PIN, and account balance And so on as a customer file to manage customer accounts.

Reference numeral 8 denotes a main control unit of the automatic transaction apparatus 1, which is connected to the host computer 13 via the communication line by the communication unit 9, and controls each part in the automatic transaction apparatus 1 to execute transaction processing and the like and data It also controls communications.
A storage unit 11 stores a program executed by the main control unit 8, various data used for the program, processing results by the main control unit 8, and the like.

Hereinafter, the contents stored in the storage unit 11 will be described with reference to FIG.
The storage unit 11 stores in advance a transaction processing application program (AP), an attendant processing AP, and a screen composition AP as business execution programs. The transaction processing AP has a function of performing various transactions such as “deposit”, “withdrawal”, “transfer” and “balance inquiry”. The clerk processing AP has a function of executing processes performed by the clerk such as “scrutinize”, “replenishment”, “collection”, “failure handling”, “various settings”. The screen composition AP (screen editing unit) has a function of composing a transaction screen in the transaction operation based on a screen data file described later. The biometric authentication AP has a function of converting the palm image of the user taken by the biometric information input unit 5 so as to emphasize the vein image. The AP and the main control unit 8 form transaction processing execution means, clerk processing execution means, and screen composition means as hardware of the automatic transaction apparatus 1 of this embodiment, and are executed by the main control unit 8 and the business execution program. Various functional means are formed as hardware of this embodiment by each step.

  The storage unit 11 also includes display parts such as an input content display column for displaying the screen background of each operation guidance screen and clerk processing screen, character buttons and operation buttons, and the input amount as data used by each of the above functional means. Button name and title name text data, part illustrations consisting of the shape and display color of the display frame, guidance wording data for displaying the guidance words of the transaction operation on the transaction screen, and the transaction screen and clerk processing screen A screen data table (screen data table (screen data table) that describes the screen configuration consisting of the screen background, guidance message data, the type of required display components and the coordinate area on the screen for displaying the screen, etc. Stored as a storage unit).

The storage unit 11 stores an audio data file in advance. Voice data files include greeting voice data such as “Thank you” and “Thank you”, transaction guidance voice data such as “Please select your desired transaction” and “Enter your PIN”, “1”, “ Voice component data and the like for voice output of amounts such as “ni”, “man”, “sen”, and “en” are stored.

  Further, the storage unit 11 is provided with a temporary work area, and stores information input by the customer from the input unit 7 during the transaction, information on the card read by the card processing unit 3, and the like. Hereinafter, information obtained by communicating with the host computer 13 through customer operations such as information entered by the customer during the transaction, card information, account balance, name of the bank account, etc., is collectively referred to as user information. .

  The operation when the main control unit 8 of the automatic transaction apparatus 1 synthesizes a transaction screen by the screen composition AP is executed as follows.

  When the main control unit 8 displays a transaction screen (for example, the password input and biometric authentication screen shown in FIG. 1), the main control unit 8 searches the transaction screen configuration table of the screen data file stored in the storage unit 11. Then, read the screen configuration of the relevant transaction screen (input password and biometric authentication screen), read the screen background, the part illustration of the display component and the guidance text data from the screen data file, respectively. The screen composition information attached with the coordinate area described in the screen composition is handed over to the screen composition AP, and the text data of the button name and title name of the display part corresponding to the coordinate area on the screen and the shape of the display frame are input. Temporarily stored in the storage unit 11 as reception information.

The screen composition AP that has received the screen configuration information displays the guidance message of the guidance message data of the screen configuration information in the guidance message display portion of the screen background ("Enter password", "Enter the password", "Authentication section on the right hand") Please place it as shown in the figure below automatically) ”and place the part illustrations (“ 0 ”to“ 9 ”buttons and“ Cancel ”) according to the coordinate area of the screen configuration information. Then, the display data of the transaction screen is synthesized and transferred to the main control unit 8.
The main control unit 8 that has received the transfer of the display data of the transaction screen sends it to the display unit 2 and displays the combined transaction screen on the screen.

  The operation when the main control unit 8 accepts an input by the transaction processing AP and recognizes the input content by the transaction screen displayed in this way is executed as follows.

  When the customer touches the operation button from the transaction screen (for example, the password input and biometric authentication screen shown in FIG. 1) displayed on the screen of the display unit 2 and presses the button, the main control unit 8 inputs the input unit 7. The coordinate position on the screen that is pressed by the position signal from the touch panel is read, the input reception information temporarily stored in the storage unit 11 is searched based on the coordinate position, and the button of the coordinate area including the corresponding coordinate position The text data of the name is read, and the input by the pressed button is accepted based on the text data and the content is recognized.

  For example, when the customer selects and presses “Cancel” using the operation button, the main control unit 8 reads the button name text data “Cancel” based on the coordinate position, and based on this, the operation button “Cancel” is used. The input is accepted and the content is recognized as “cancel” by the operation button, and is used for determining the transition destination in the subsequent operation.

  As described above, the transaction screen is composed by the screen composition unit of the present embodiment, the input by the input reception unit is received by the character button and the operation button, and the steps executed by the main control unit 8 and the business execution program are formed. Recognition of various input contents is executed by a recognition means as a function means.

  Next, the IC card will be described with reference to FIGS. FIG. 7 is a block diagram of the IC card 20 used in this patent, and FIG. 8 is a diagram for explaining the contents of the storage unit 19 of the IC card 20. The communication unit 18 has an IC contact, and exchanges information with the automatic transaction apparatus. The storage unit 19 stores various programs and various data, and has a temporary storage area necessary for the operation of the various programs. The control part 17 communicates with an automatic transaction apparatus via the communication part 18, and transmits / receives the data of the memory | storage part 19 as needed.

Next, the contents stored in the storage unit 19 will be described.
The storage unit 19 stores in advance a transaction processing program, a biometric information registration program, a biometric information comparison program, and an encryption processing program as programs. The transaction processing program has a function of transmitting an account number and account item in response to a request from an automatic transaction apparatus, and a function of registering / referring to transfer destination information and a function of registering / referring client information as a transfer card function. The biometric information registration program is used when biometric information is registered in the IC card 20, and stores the biometric information of the user received from the automatic transaction apparatus after encryption. The biometric information comparison program is used when a transaction is performed using biometric information. The biometric information of the user received from the automatic transaction apparatus is compared with the biometric information of the user stored in advance to obtain the similarity, and the transaction is performed. Judgment is made and the result is notified to the automatic transaction apparatus. The encryption processing program has a function of encrypting and decrypting data of each file in the storage unit 19.

The storage unit 19 stores a biometric information data file as data used by the above program. In this file, the biometric information data of the user is encrypted and stored, and read and used at the time of authentication.
The storage unit 19 stores a transaction information file. This file contains account information data that stores the user's transaction branch number, subject, account number, etc., and the bank, branch, account, subject, nominee, etc. used for the transfer card function. Is stored.
Further, the storage unit 19 is provided with a temporary work area, which is used for temporary information storage when the program performs various processes.

  In the following, with reference to the flowchart shown in FIG. In FIG. 9, portions related to the present invention are described in detail, and portions that are not different from the conventional one are described briefly.

  A staff member of a financial institution or the like supplies power to each part of the automatic transaction apparatus 1 by turning on the power at the start of work or the like. As a result, the business execution program stored in the storage unit 11 of the automatic transaction apparatus 1 is automatically activated, and a transaction selection screen is displayed after initialization (not shown) (S1).

  On the transaction selection screen, the guidance message prompting you to press the operation button and “withdrawal” for withdrawal transactions, “deposit” for deposit transactions, “transfer” for transfer transactions, account balance Operation buttons such as “Balance inquiry” for the balance inquiry transaction to inquire are displayed.

In the present embodiment, a case where the user selects “withdrawal” from the transaction selection screen will be described (S2).
If the recognized input content is input content with an operation button other than “withdraw” such as “deposit” with the operation button, the transaction processing by the transaction processing AP is executed (S21). The description of the transaction processing operation in this case is omitted. The main control unit 8 that has completed the execution of the selected transaction process ends the transaction process, returns to step S1, and stands by in a customer waiting state while displaying the initial screen on the screen of the display unit 2.

  When the user selects “withdrawal”, the main control unit 8 generates a screen for prompting the user to insert a cash card by the screen composition AP and displays it on the display unit 2, and the user inserts the cash card. (S3). When the card control unit 3 accepts the cash card, it first identifies from the magnetic stripe information whether the type of the card is a magnetic card or an IC card (S4). If it is a magnetic card, transaction processing for the magnetic card is executed (S22). If it is an IC card, it communicates with the IC card, reads information necessary for transactions such as account number and account subject, and transmits it to the main control unit 8.

  When the main control unit 8 receives information such as the account number of the user from the card control unit 3, the main control unit 8 generates a password input and biometric authentication screen (FIG. 1) for the user using the screen composition AP and displays it on the display unit 2. (S5). The screen shown in FIG. 1 is divided into a first area 21 on the left side and a second area 22 on the right side.

  The first area 21 is an area that guides the user to input a personal identification number, amount, etc. and displays a button to accept the input. In addition to a guidance display such as “Please enter your personal identification number”, the personal identification number Is provided with a numeric key 24 and a cancel key 25 for canceling the transaction. In addition, an input digit number display 23 is provided to guide the number of digits of the password entered by the user. The state shown in FIG. 1 is a state in which one digit of the code number has been input, and one black circle is displayed as input, and three white circles are displayed as not input.

  The second area 22 is an area for guiding the user to perform biometric authentication. The image 26 of the biometric information input unit 5 is displayed and the position where the hand 27 is placed is illustrated on the screen. Please put it on the authentication unit as shown in the figure below. It will automatically authenticate. ”The user is guided to put the right hand on the biometric information input unit 5.

  In S6 and S7, both the acquisition of the user's biometric information and the input of the personal identification number are accepted.

  In S6, it is determined whether or not the user's biometric information has been authenticated. Specifically, first, the main control unit 8 determines whether or not a hand is placed on the biometric information input unit 5 from the input image. If the hand is placed, the main control unit 8 takes in biometric information and extracts a vein image. Then, the data is transmitted to the IC card 20 through the card processing unit 3. When the control unit 17 of the IC card 20 receives the biometric information from the automatic transaction apparatus 1, the control unit 17 decodes the biometric information of the user registered in advance in the storage unit 19, compares the two, and obtains the similarity. The control unit 17 determines whether or not the person is the person based on the similarity, and transmits the result to the automatic transaction apparatus 1. The main control unit 8 of the automatic transaction apparatus receives the result of the biometric authentication from the card processing unit 3 and proceeds to S23 to be described later when it is confirmed as the principal, and when it is not confirmed as the principal, the main control unit 8 proceeds to S7 until the specified number is reached. In parallel with the personal identification number input process, biometric information input / verification is repeated.

  In S7, the main control unit 8 determines whether or not the user has finished inputting the personal identification number (four digits). If it is determined that the input has been completed, the process proceeds to S8. If the input has not been completed, the process returns to S6.

  Here, the process of S23 will be described. Since biometric authentication has been completed in S23, the main control unit 8 generates a password input screen as shown in FIG. 10 using the screen composition AP and displays it on the display unit 2. In the screen of FIG. 10, the content displayed in the first area 21 is the same as that in FIG. 1, but for the second area 22, since the biometric authentication has ended, “Authentication has ended. The message 28 is displayed, such as “I have confirmed my identity and please release my right hand”.

  In S24, the main control unit 8 stands by until the user inputs a password. The user inputs the password using the numeric keys 24. When the main control unit confirms the input of the password, the process proceeds to S25.

  Next, the process of S8 will be described. The main control unit 8 generates a monetary number input and biometric authentication screen (FIG. 11) for the user using the screen composition AP and displays it on the display unit 2.

  The first area 21 is an area that guides the user to input the withdrawal amount and displays a button to accept the input. In addition to a guidance display such as “Enter the withdrawal amount and press“ Yen ”” , A numeric key 29 for inputting the amount, a “ten thousand” key 30, a “thousand” key 31, a “yen” key 32, a correction key 33 for correcting the amount, and a cancel key 25 for canceling the transaction. . Further, the amount input by the user is displayed in the amount display 34.

  Similar to the display of the second area 22 in S5, the second area 22 is an area for guiding the user to perform biometric authentication. The image 26 of the biometric information input unit 5 is displayed and a hand is placed. The position is illustrated on the screen by the hand image 27 and the user puts the right hand on the biometric information input unit 5 "Please put the right hand on the authentication unit as shown in the figure below." I will guide you.

  In S9 and S10, both the acquisition of the user's biometric information and the input of the withdrawal amount are accepted.

  In S9, as in S6, it is determined whether or not the user's biometric information has been authenticated. Specifically, first, the main control unit 8 determines whether or not a hand is placed on the biometric information input unit 5 from the input image. If the hand is placed, the main control unit 8 takes in biometric information and extracts a vein image. Then, the data is transmitted to the IC card 20 through the card processing unit 3. When the control unit 17 of the IC card 20 receives the biometric information from the automatic transaction apparatus 1, the control unit 17 decodes the biometric information of the user registered in advance in the storage unit 19, compares the two, and obtains the similarity. The control unit 17 determines whether or not the person is the person based on the similarity, and transmits the result to the automatic transaction apparatus 1. The main control unit 8 of the automatic transaction apparatus receives the result of the biometric authentication from the card processing unit 3 and proceeds to S23 to be described later when it is confirmed as the principal, and when it is not confirmed as the principal, the main controller 8 proceeds to S10 until the specified number of times is reached. In parallel with the amount input process, biometric information input / verification is repeated.

  In S10, the main control unit 8 determines whether or not the user has finished inputting the withdrawal amount. If it is determined that the input has been completed, the process proceeds to S10. If the input has not been completed, the process returns to S9.

  Here, the process of S25 will be described. Since biometric authentication has been completed in S25, the main control unit 8 generates an amount input screen as shown in FIG. 12 using the screen composition AP and displays it on the display unit 2. In the screen of FIG. 12, the content displayed in the first area 21 is the same as that in FIG. 11, but since the biometric authentication has been completed for the second area 22, “Authentication has been completed. The message 28 is displayed, such as “I have confirmed my identity and please release my right hand”.

  In S26, the main control unit 8 stands by until the user inputs the withdrawal amount. The user inputs the withdrawal amount with the numeric keys 24. When the main control unit 8 confirms the input of the amount, the process proceeds to S27.

  In S <b> 11, the main control unit 8 transmits the account subject, the account number, and the personal identification number and withdrawal amount input by the user to the host computer 14 via the communication unit 9. The host computer 14 checks the password and balance of the user's account from the account subject / account number, compares it with the password entered by the user, and determines whether the withdrawal amount can be deducted from the balance. . As a result of comparison / judgment, if the PINs match and the withdrawal is possible, the code indicating that the transaction is possible, the account balance after the transaction of the user, and the available balance are sent to the automatic transaction apparatus 1, and they are different Transmits to the automatic transaction apparatus 1 an error code indicating that the password is different or the account balance is insufficient.

  In S11, the main control unit 8 instructs the banknote processing unit 4 to prepare the withdrawal of money corresponding to the withdrawal amount in parallel with the above-described operation. When the banknote processing unit 4 receives the instruction, it issues a banknote corresponding to the withdrawal amount from a banknote storage unit (not shown) and prepares for withdrawal.

  In S12, the main control unit 8 generates a biometric authentication screen (FIG. 13) using the screen composition AP and displays it on the display unit 2 in parallel with the host communication / money counting in S11.

In FIG. 13, since the input necessary for the transaction of the user has been completed, the image 26 of the biometric information input unit 5 is displayed at the center of the screen, and the position where the hand 27 is placed is illustrated on the screen. Please put it on the authentication unit as shown in the figure below. It will automatically authenticate. ”The user is guided to put the right hand on the biometric information input unit 5.
In this embodiment, the image is displayed at the center of the screen, but may be displayed at the same position as the second region 22 in FIG. In this case, the first area 21 may not be displayed or an advertisement or the like may be displayed.

  In S13, as in S6, it is determined whether or not the user's biometric information has been authenticated. Specifically, first, the main control unit 8 determines whether or not a hand is placed on the biometric information input unit 5 from the input image. If the hand is placed, the main control unit 8 takes in biometric information and extracts a vein image. Then, the data is transmitted to the IC card 20 through the card processing unit 3. When the control unit 17 of the IC card 20 receives the biometric information from the automatic transaction apparatus 1, the control unit 17 decodes the biometric information of the user registered in advance in the storage unit 19, compares the two, and obtains the similarity. The control unit 17 determines whether or not the person is the person based on the similarity, and transmits the result to the automatic transaction apparatus 1. The main control unit 8 of the automatic transaction apparatus receives the result of the biometric authentication from the card processing unit 3 and proceeds to S14 when the identity is confirmed, and inputs biometric information until the specified number is reached when the identity is not confirmed. Repeat verification.

  Here, S27 will be described. In S27, as in S11, the main control unit 8 transmits the account subject, the account number, and the password entered by the user and the withdrawal amount to the host computer 14 via the communication unit 9, and performs host processing. In S27, the main control unit 8 instructs the banknote processing unit 4 to prepare the withdrawal of money corresponding to the withdrawal amount in parallel with the above-described operation. When the banknote processing unit 4 receives the instruction, it issues a banknote corresponding to the withdrawal amount from a banknote storage unit (not shown) and prepares for withdrawal.

  In S <b> 14, the main control unit 8 waits until reception of a result from the host computer 14 and preparation for withdrawal in the banknote processing unit 4 are completed.

  In S <b> 15, the main control unit causes the screen composition AP to generate a card and statement slip reception screen (not shown) and display the screen on the display unit 2. Moreover, the card | curd currently hold | maintained at the card | curd process part 3 is discharge | released, and the statement slip processing part 12 prints and discharge | releases the statement slip which printed the transaction record. The user receives the card and the statement slip.

  In S <b> 16, the main control unit causes the screen composition AP to generate a money receiving screen (not shown) and displays it on the display unit 2. Moreover, the banknote currently hold | maintained at the banknote process part 4 is discharged. The user receives the banknote.

  As described above, in this embodiment, in the automatic transaction apparatus, the transaction operation input such as the PIN number and the money amount input and the biometric authentication are performed in parallel, so that a person familiar with the operation performs the biometric authentication with the right hand. The transaction operation input can be performed with the left hand, and the time required for the transaction operation can be shortened. In addition, even a person who is not familiar with the operation and operates with only the right hand can either perform biometric authentication after performing transaction operation input, or perform transaction operation input after performing biometric authentication. There is an effect of increasing convenience.

  Further, in this embodiment, in the automatic transaction apparatus, the communication operation with the host, the counting operation of money and the biometric authentication are performed in parallel, so that the time required for the transaction operation can be shortened. Since biometric authentication requires an operation in which a human puts hands together with the apparatus, time is required, and performing operations that require time in parallel is effective in shortening the transaction operation time.

  In the above embodiment, the transaction operation input and the biometric authentication are performed in parallel, and the host communication, the monetary count and the biometric authentication are performed in parallel after the transaction operation input necessary for the host communication and the monetary count is performed. However, the present invention is not limited thereto. After the transaction operation input necessary for host communication and money counting is performed, host communication and money counting and biometric authentication may be performed in parallel.

  In the above embodiment, palm vein authentication is used as the biometric authentication method, but the present invention is not limited to this. For example, other authentication methods such as finger vein authentication may be used.

  Moreover, in the said Example, although the display of the display part 2 was divided into right and left, the left side was used for the input of transaction operation, and the right side was used for guidance of biometrics authentication, this invention is not limited to it. The transaction operation guide and the biometric authentication guide may be displayed separately in the upper and lower directions, or the words of the display guide on the screen may be displayed separately.

  Further, in the above embodiment, the display on the display unit 2 is divided into left and right, but the screen data is created by dividing the screen data into left and right in advance and stored in the screen data file of the storage unit 11. The invention is not limited thereto. The screen data divided into the left and right may be stored in a screen data file and synthesized by the screen synthesis AP when performing display.

  Moreover, although the payment (withdrawal) transaction has been described in the above embodiment, the present invention is not limited thereto. It can also be applied to other transactions such as transfer (remittance), balance inquiry, and utility bill payment.

  The first control unit, the second control unit, and the third control unit described in the claims all correspond to the main control unit 8 of the present embodiment. The business execution program executed by the main control unit corresponds to the PIN input and withdrawal amount input unit of the withdrawal transaction of the transaction processing AP in the storage unit 11 for the first control unit. Moreover, about the 2nd control part, the part which displays the biometrics screen of transaction processing AP, and biometrics AP correspond. Moreover, about the 3rd control part, although the part which controls the whole withdrawal transaction of transaction processing AP corresponds, this invention is not limited to this.

The figure explaining a personal identification number input and a biometrics authentication screen Diagram explaining automatic transaction equipment The figure explaining the operation panel part of an automatic transaction device Diagram explaining how to place a hand during biometric authentication Block diagram showing automatic transaction equipment The figure explaining the contents of a storage part IC card block diagram The figure explaining the content of the memory | storage part of an IC card The figure explaining the flow of processing of an example Figure explaining the password input screen Drawing explaining withdrawal amount and biometric authentication screen Diagram explaining withdrawal amount input screen Diagram explaining the biometric authentication screen The figure explaining the flow of the conventional processing

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Display part 3 Card process part 4 Banknote process part 5 Biometric information input part 6 Customer operation part 7 Input part 8 Main control part 9 Communication part 10 Voice output part 11 Memory | storage part 12 Statement processing part 13 Passbook process part DESCRIPTION OF SYMBOLS 14 Host computer 15 Operation panel 16 Hand 17 Control part 18 Communication part 19 Memory | storage part 20 IC card 21 1st area | region 22 2nd area | region 23 Input digit display 24 Number key 25 Cancel key 26 Image of biological information input part 27 Hand Image 28 Message 29 Number key 300,000 key 31 thousand key 32 Yen key 33 Correction key 34 Amount display

Claims (5)

A customer operation unit having display means for displaying an operation guide screen for a user, and input means provided on the display means for receiving input from the user;
A screen storage unit for storing operation guide screen data to be displayed on the operation guide screen;
A biometric information input unit for acquiring biometric information of the user;
A host communication unit for communicating with the host device;
A money counting unit for counting money;
Provide a first area and a second area on the operation guidance screen,
The first area guides the transaction operation to the user, and proceeds with the transaction operation according to the user's input;
The second area performs a display for guiding the user to obtain biometric information, a second control unit for obtaining the biometric information of the user from the biometric information input unit,
Control each of the units so that the first control unit and the second control unit are operated in parallel, and start the operation of the host communication unit or the money counting unit when it is determined that the operation of the first control unit is finished An automatic transaction apparatus comprising: a third control unit that causes A customer operation unit having display means for displaying an operation guide screen for a user, and input means provided on the display means for receiving input from the user;
A screen storage unit for storing operation guide screen data to be displayed on the operation guide screen;
A biometric information input unit for acquiring biometric information of the user;
Provide a first area and a second area on the operation guidance screen,
The first area guides the transaction operation to the user, and proceeds with the transaction operation according to the user's input;
The second area performs a display for guiding the user to obtain biometric information, a second control unit for obtaining the biometric information of the user from the biometric information input unit,
An automatic transaction apparatus comprising: a third control unit that controls the respective units so that the first control unit and the second control unit are operated in parallel. 3. The automatic transaction apparatus according to claim 1, wherein the third control unit is
When the transaction operation by the first control unit or the end of biometric information input by the second control unit is determined, an operation related to the control unit is performed in the region of the operation guide screen controlled by the control unit that has determined the end. In addition to displaying the completed guidance,
An automatic transaction apparatus characterized in that a guidance display related to a control unit is displayed in an area of an operation guide screen controlled by a control unit that has not determined to end. 3. The automatic transaction apparatus according to claim 1, wherein the third control unit is
When the transaction operation by the first control unit or the end of input of biometric information by the second control unit is determined,
An automatic transaction apparatus, wherein a guidance display controlled by a control unit that has not determined to end is displayed in an area including the first area and the second area. A customer operation unit having display means for displaying an operation guide screen for a user, and input means provided on the display means for receiving input from the user;
A screen storage unit for storing operation guide screen data to be displayed on the operation guide screen;
A biometric information input unit for acquiring biometric information of the user;
A host communication unit for communicating with the host device;
A money counting unit for counting money;
A first control unit that guides a transaction operation and advances the transaction operation according to a user's input;
A second control unit for performing guidance display for acquiring biometric information to the user and acquiring the biometric information of the user from the biometric information input unit;
After the first control unit allows a user to input a transaction operation and information necessary for the operation of the host communication unit or the money counting unit is input, the second control unit and the host communication Or a third control unit that controls each of the units so as to operate the currency counting unit or the money counting unit in parallel.

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