JP2007140884A - Transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To use a personal authentication method that uses biological information and to reduce the time that each user has to wait before using an automatic transaction device. <P>SOLUTION: A user enters a shop SH through an entrance 60, goes down a passage 50 along an arrow, and uses a vacant ATM; when no ATM is vacant, he waits in line on the passage 50; he then inputs biological information to a pre-reception terminal 10 while waiting (1). The pre-reception terminal 10 performs personal authentication by means of the biological information input (2). The user performs a transaction using a vacant ATM; when performing the transaction, he inputs biological information to the ATM 22 (3). The ATM 22 asks a process server 30 whether or not the personal authentication has been successful using the biological information input (4). When the personal authentication has been successful, the ATM 22 performs the transaction (5). <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transaction system for performing personal authentication using biometric information of a user.

  Personal authentication methods using personal biometric information such as fingerprints and veins are used. Since personal authentication using biometric information is highly secure, it has recently been applied to automatic transaction terminals installed in financial institutions. For example, an automatic transaction terminal is provided with a database storing biometric information and an account number. The automatic transaction terminal acquires biometric information from a user, and is stored in the acquired biometric information and database. Personal authentication is performed against biometric information, and a transaction desired by the user is executed.

JP 11-3389475 A

  However, when the biometric information stored in the database has an enormous amount of information, it takes a very long time to collate the acquired biometric information with the biometric information stored in the database. When a personal authentication method using biometric information is applied to an automatic transaction terminal used by a large number of users such as financial institutions, biometric information is collated after the user starts operating the automatic transaction terminal. Therefore, there is a problem that the time for which the user occupies the automatic transaction terminal increases, and as a result, the waiting time of the user waiting for the use of the automatic transaction terminal increases.

  The above-mentioned problem is not a problem specific to an automatic transaction system in a financial institution but a problem common to a system used by a large number of users. The present invention has been made in view of these problems, and an object of the present invention is to use a personal authentication method using biometric information and reduce the occupation time of one user's automatic transaction terminal.

  In order to solve at least a part of the above-described problems, a transaction system according to the present invention includes an automatic transaction terminal that executes a transaction desired by a user, and a pre-acceptance terminal that authenticates the user prior to the execution of the transaction. In the transaction system comprising: a personal information storage unit that stores, for each user, personal information including account information related to a plurality of user accounts and unique registered biometric information related to each user's body An authenticated personal information recording unit that records the authenticated personal information, a pre-biological information acquisition unit that acquires the pre-biological information of the user, and registered biometric information stored in the personal information storage unit Pre-person authentication means for authenticating a user using the pre-biometric information, and personal information of the user who has succeeded in the authentication is recorded in the authenticated personal information recording unit. The automatic transaction terminal includes, from the user, transaction biometric information acquisition unit that acquires the transaction biometric information of the user, and input unit that inputs transaction information related to the transaction desired by the user; A judging unit for judging whether or not authenticated personal information including the registered biometric information that matches the transaction biometric information is recorded in the authenticated personal information recording unit of the advance reception terminal; and the authenticated personal authentication Is recorded in the authenticated personal information recording unit, it is characterized by comprising transaction execution means for executing the transaction according to the authenticated personal information and the transaction information.

  According to the transaction system of the present invention, the automatic transaction terminal can execute a transaction using the result of personal authentication executed by the advance reception terminal. Therefore, it is possible to reduce the time for one user to occupy the automatic transaction terminal, and as a result, it is possible to reduce the waiting time of the user waiting for the use of the automatic transaction terminal.

  In the transaction system of the present invention, the personal information storage unit further stores a registered biometric information and a password associated with the account information, and the advance reception terminal further stores the password of the user. A personal identification number input means for inputting a number; and a retrieval means for retrieving the personal information including a personal identification number that matches the input personal identification number, wherein the personal authentication means is included in the retrieved personal information. The registered biometric information that matches the prior biometric information may be retrieved.

  According to the transaction system of the present invention, personal authentication is performed by searching for biometric information that matches the biometric information acquired by the advance reception terminal from the biometric information included in the personal information that matches the input password. It can be carried out. Therefore, the time required for personal authentication can be shortened. In addition, by performing two authentications, authentication with a personal identification number and personal authentication with biometric information, the misrecognition rate for erroneously recognizing a user as another person can be reduced.

  In the transaction system according to the present invention, the automatic transaction terminal further includes the advance reception terminal when the determination unit determines that the authenticated personal authentication is not recorded in the authenticated personal information recording unit. A transaction personal authentication means for authenticating a user using the registered biometric information stored in the personal information storage unit and the transaction biometric information, wherein the transaction execution means The transaction may be executed according to personal information and the transaction information.

  According to the transaction system of the present invention, personal authentication can be executed again using the transaction biometric information even when the pre-biometric information acquired at the prior reception terminal and the registered biometric information do not match.

  In the present invention, the various aspects described above can be applied by appropriately combining or omitting some of them. In addition to the configuration as the transaction system described above, the present invention provides a transaction method using a transaction system, a prior reception terminal, a reception method using a prior reception terminal, a computer program for causing the transaction system to execute a transaction, and a prior reception terminal. It can also be configured as a computer program for executing reception, a recording medium on which the computer program is recorded so as to be readable by a computer, and the like. In any configuration, the above-described aspects can be appropriately applied. As a computer-readable recording medium, various media such as a flexible disk, a CD-ROM, a DVD-ROM, a magneto-optical disk, an IC card, and a hard disk can be used.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments of the present invention will be described based on examples with appropriate reference to the drawings.

A. Example:
In the embodiment, a transaction system that performs personal authentication using a prior reception terminal while a user is waiting for the turn of an automatic transaction terminal will be described.

A1. System configuration:
FIG. 1 is an explanatory diagram illustrating a transaction system 1000 in the present embodiment. The transaction system 1000 includes a prior reception terminal 10, automatic transaction terminals 20, 21, 22, a processing server 30 and a central server 40. In the present embodiment, hereinafter, the automatic transaction terminals 20, 21, 22 are referred to as ATM 20, 21, 22. The advance reception terminal 10, the ATMs 20, 21, and 22 and the processing server 30 are installed in the store SH and are connected to each other via a local area network LAN. The processing server 30 is connected to the central server 40 via a dedicated line EX.

  A schematic configuration of the advance reception terminal 10 will be described with reference to FIG. FIG. 2 is an explanatory diagram illustrating the configuration of the advance reception terminal 10 in the present embodiment. The advance reception terminal 10 includes a set area 11, an infrared light source 12, a camera 13, and a control unit 15.

  The set area 11 is an area where the user's right hand is placed. An infrared transmitting glass is used for the set area 11. The infrared light source 12 is installed above the set area 11 and radiates near infrared light having a wavelength of 700 to 1200 nm toward the set area 11. The camera 13 is a CCD (Charge Coupled Device) camera. The lens of the camera 13 faces the set area 11 from below the set area 11, and the camera 13 captures infrared light transmitted through the set area 11 to acquire a vein pattern. Near-infrared light having a wavelength of 700 to 1200 nm emitted from an infrared light source has a characteristic of being well transmitted through living tissues other than pigments such as hemoglobin and melanin. In other words, when near-infrared light is irradiated on the finger, the near-infrared light is selectively absorbed by hemoglobin in the blood, so only the part where the vein is present is absorbed and less reflected and appears black on the image. A clear vein image is acquired.

  The operation of each unit of the advance reception terminal 10 described above is controlled by the control unit 15. The control unit 15 is configured as a microcomputer having a CPU and a memory therein, and exchanges information with each unit to control the overall operation of the advance reception terminal 10.

  The ATMs 20, 21, and 22 have the same configuration. The configuration of each ATM will be described with reference to FIG. The ATM 22 of this embodiment includes a bill handling mechanism 23 a, a transaction processing unit 26 a, and a control unit 29.

  The banknote handling mechanism 23a is provided with a deposit / withdrawal part 23b at the upper part and a banknote storage part 23c at the lower part, with the alternate long and short dash line 24 as a boundary. The deposit / withdrawal part 23b is provided with a cover 23d. Since the banknote storage part 23c stores cash, it is installed inside the safe 25 from the viewpoint of security. The exchange of bills with customers is performed through the bill deposit / withdrawal port 23e provided on the cover 23d. At the time of withdrawal, banknotes for the amount designated by the customer are prepared from the banknote storage unit 23c and delivered to the customer from the banknote deposit / withdrawal port 23e.

  The transaction processing unit 26a includes an operation panel 26b, a set area 27a, an infrared light source 27b, and a camera 27c. The operation panel 26b is an interface for displaying transaction processing information and guidance to the customer, and performing operation input during transaction processing. In this embodiment, the operation panel 26b is configured by a touch panel. The set area 27a, the infrared light source 27b, and the camera 27c have the same configuration as the set area 11, the infrared light source 12, and the camera 13 of the advance reception terminal 10, respectively.

  The operation of each unit of the ATM 22 described above is controlled by the control unit 29. The control unit 29 is configured as a microcomputer having a CPU and a memory therein, and exchanges information with each unit to control the entire operation of the ATM 22.

  Since the processing server 30 and the central server 40 are configured by a general computer including a CPU and a memory, description of the schematic configuration is omitted.

  A processing flow of the transaction system 1000 of the present embodiment will be described along (1) to (5) in FIG. (1) The user enters the store SH from the entrance 60, proceeds along the passage 50 along the arrow, and uses a vacant ATM. If none of the ATMs are available, the queues are queued in line with the passage 50. The user inputs biometric information to the advance reception terminal 10 while waiting for the turn. (2) The prior reception terminal 10 communicates with the central server 40 via the processing server 30, and performs personal authentication using the input biometric information. (3) When an ATM is available, the user executes a transaction using the available ATM. The user inputs biological information into the ATM 22 when executing the transaction. (4) The ATM 22 confirms with the processing server 30 whether or not personal authentication has been performed using the input biometric information. (5) If personal authentication is performed, the ATM 22 communicates with the central server 40 via the processing server 30 to execute a transaction. Below, while explaining the functional block of the control unit 15 of the prior reception terminal 10, the control unit 29 of ATM22, the processing server 30, and the central server 40, the processing content of the transaction system 1000 is demonstrated, referring drawings suitably.

A2. Function block:
FIG. 4 is an explanatory diagram illustrating functional blocks of the control unit 15 of the advance reception terminal 10. The control unit 15 includes a CPU 100, a RAM 101, an input / output unit 102, and a memory 103. The memory 103 includes a biological information acquisition module 104 and a prior reception request module 105. Each functional block is controlled by the CPU 100. The input / output unit 102 is a network interface for communicating with the processing server 30.

  When the biometric information acquisition module 104 detects that the user's hand is placed in the set area 11, the biometric information acquisition module 104 controls the infrared light source 12 and the camera 13 to acquire the vein image data of the right hand index finger, and acquires the acquired vein image. It records in RAM101 as prior biometric information.

  The prior reception request module 105 transmits a prior reception request including prior biometric information and a personal authentication request to the processing server 30.

  FIG. 5 is an explanatory diagram illustrating functional blocks of the control unit 29 of the ATM 22. The control unit 29 includes a CPU 200, a RAM 201, an input / output unit 202, and a memory 203. The memory 203 includes a biometric information acquisition module 204, a transaction execution module 205, and a display control module 206. Each functional block is controlled by the CPU 200. The input / output unit 202 is a network interface for communicating with the processing server 30.

  When detecting that the user's hand is placed on the set area 27a, the biometric information acquisition module 204 controls the infrared light source 27b and the camera 27c to acquire vein image data of the right index finger, and the acquired vein image is displayed. Recorded in the RAM 201 as transaction biometric information.

  The transaction execution module 205 transmits to the processing server 30 a transaction request including the acquired transaction biometric information and transaction information related to the transaction input via the operation panel 26b. Moreover, the transaction execution module 205 receives the result with respect to a transaction request from the processing server 30, and according to the received result, withdrawal of a banknote from the banknote storage part 23c, storage of the received banknote in the banknote storage part 23c. I do.

  The display control module 206 displays a transaction menu, an operation guidance message, and an error message on the operation panel 26b.

  FIG. 6 is an explanatory diagram illustrating functional blocks of the processing server 30 in the present embodiment. The processing server 30 includes a CPU 300, a RAM 301, a communication unit 302, and a memory 303. The RAM 301 has an authenticated information storage area 310. The memory 303 includes an authentication request module 304 and an authentication result confirmation module 306. Each functional block is controlled by the CPU 300. The communication unit 302 is a network interface for communicating with the prior reception terminal 10 and the ATMs 20, 21, 22, and 40.

  Upon receiving the advance reception request from the advance reception terminal 10, the authentication request module 304 transmits a personal authentication request including the prior biometric information to the central server 40. The authentication request module 304 also receives the result of personal authentication from the central server 40 and stores the registered biometric information and the account number included in the personal authentication result in the authenticated information storage area 310.

  When receiving the transaction request from the ATM 22, the authentication result confirmation module 306 collates the transaction biometric information included in the transaction request with the registered biometric information recorded in the authenticated information storage area 310. Also, the authentication result confirmation module 306 transmits a transaction request including account information associated with registered biometric information that matches the transaction biometric information and the requested transaction details to the central server 40.

  FIG. 7 is an explanatory diagram illustrating functional blocks of the central server 40 in the present embodiment. The central server 40 includes a CPU 400, a RAM 401, a communication unit 402, a memory 403, and a hard disk drive 406. The memory 403 includes a personal authentication module 404 and a transaction execution module 405. The hard disk drive 406 has a personal information database 410 and a ledger database 420. Each functional module is controlled by the CPU 400. The communication unit 302 is a network interface for communicating with the processing server 30 via the dedicated line EX.

  The personal information database 410 stores personal information of many users. The contents of the personal information database 410 will be described with reference to FIG. FIG. 8 is an explanatory diagram illustrating the contents of the personal information database 410 in this embodiment. The personal information database 410 has four items: account number, user name, registered biometric information, and personal identification number. The account number represents the account number of the account with which the user has a contract. The user name represents the name of the user. The registered biometric information indicates a vein image of the user's right index finger registered at the time of account contract. For example, the user name of the account number “012345” is “Oda × Child”, and the registered biometric information of the user is the finger vein image 411. The password of this account is “9933”. The registered biometric information is used to authenticate the user “Oda × Child”. The personal identification number represents the personal identification number corresponding to the user's contract account, and is used together with the registered biometric information or independently for user authentication.

  When the personal authentication module 404 receives the personal authentication request transmitted from the processing server 30, the personal authentication module 404 collates the prior biometric information included in the personal authentication request with the registered biometric information stored in the personal information database 410 to perform personal authentication. Do. The personal authentication module 404 also includes the registered biometric information that matches the pre-biometric information and the account number associated with the registered biometric information in the personal authentication result and transmits the result to the processing server 30.

  When the transaction execution module 405 receives the transaction request transmitted from the processing server 30, the transaction execution module 405 refers to the ledger database 420, determines whether the transaction is possible, and executes the transaction.

  The ledger database 420 will be described with reference to FIG. FIG. 9 is an explanatory diagram illustrating the contents of the ledger database 420 in the present embodiment. The ledger database 420 has two items, an account number and a balance. The account number represents the user's account number. The balance represents the balance of the user's account represented by the account number. For example, the balance of the account with the account number “334455” is “135,000 yen”.

A3. Transaction processing:
The transaction process executed by the transaction system 1000 will be described in detail with reference to FIGS. FIG. 10 is a flowchart for explaining the outline of transaction processing in the present embodiment. FIG. 11 is a flowchart illustrating in detail the advance reception process in the present embodiment. FIG. 12 is a flowchart illustrating in detail the reception confirmation process in the present embodiment. FIG. 13 is a flowchart for explaining in detail the transaction processing in this embodiment. FIG. 14 is a flowchart for explaining authentication / transaction processing in the present embodiment in detail. 15 to 17 are examples of screens displayed on the operation panel 26b in the present embodiment. A series of transaction processing executed by the transaction system 1000 is performed by each CPU provided in the control unit 15, the control unit 29, the processing server 30, and the central server 40 executing each functional module.

A3-1. Advance reception processing:
Transaction processing of the transaction system 1000 is divided into three stages as shown in FIG. First, the transaction system 1000 executes a prior acceptance process (step S1000). The advance reception process corresponds to the processes shown as (1) and (2) in FIG.

  The advance reception process will be described in detail with reference to FIG. The advance reception process is executed by the advance reception terminal 10, the processing server 30, and the central server 40. For the sake of clarity, the description will be made assuming that the advance reception terminal 10, the processing server 30, and the central server 40 execute instead of the CPU of the advance reception terminal 10, the processing server 30, and the central server 40.

  When the prior reception terminal 10 detects that the user's right hand is placed in the set area 11, the prior reception terminal 10 acquires the prior biological information by controlling the infrared light source 12 and the camera 13 (step S10). A pre-acceptance request including the request is transmitted to the processing server 30 (step S11).

  The processing server 30 receives the advance reception request (step S13), and transmits the received advance reception request to the central server 40 (step S14).

  When the central server 40 receives the advance reception request (step S15), the central server 40 collates biometric information (step S16). Specifically, the central server 40 collates the prior biometric information included in the prior acceptance request with the registered biometric information stored in the personal information database 410. The central server 40 determines whether there is biometric information that matches the pre-biometric information in the registered biometric information (step S17).

  The central server 40 matches the pre-accepted information from the personal information database 410 when biometric information that matches the pre-biometric information exists in the registered biometric information stored in the personal information database 410 (step S17: YES). The registered biometric information to be registered and the account number associated with the registered biometric information are acquired (step S18), and the personalized authentication result including the acquired registered biometric information and the account number is transmitted to the processing server 30 (step S18). S19).

  When there is no biometric information that matches the previous biometric information in the registered biometric information stored in the personal information database 410 (step S17: NO), the central server 40 has biometric information that matches the previous biometric information. A personal authentication result indicating that the personal authentication could not be performed is transmitted to the processing server 30 (step S19).

  When receiving the personal authentication result transmitted from the central server 40, the processing server 30 records the registered biometric information and the account number included in the personal authentication result in the authenticated information storage area 310 (step S20).

A3-2. Reception confirmation process:
The transaction system 1000 executes an acceptance confirmation process after completing the advance acceptance process (step S1001). The reception confirmation process corresponds to the processes shown as (3) and (4) in FIG. The acceptance confirmation process is executed by the ATM 22, the processing server 30, and the central server 40. In order to clarify the explanation, it is assumed that the automatic transaction terminal 20, the processing server 30, and the central server 40 execute instead of the CPU of the automatic transaction terminal 20, the processing server 30, and the central server 40. The acceptance confirmation process is executed when the user starts an ATM operation.

  The ATM 22 detects that the user's right hand is placed in the set area 11, acquires transaction biometric information from the user (step S30), and accepts transaction input from the user according to the user's operation (step S31). ). ATM22 transmits the transaction request | requirement containing transaction biometric information and transaction content with respect to the processing server 30 (step S32).

  When receiving the transaction request (step S33), the processing server 30 collates the transaction biometric information included in the transaction request with the registered biometric information recorded in the authenticated information storage area 310 (step S34) and matches. Whether or not (step S35).

  When the biometric information that matches the transaction biometric information is recorded in the authenticated information storage area 310 (step S35: YES), the processing server 30 determines that the user operating the ATM 22 has completed personal authentication. Judgment is performed, and subsequently, transaction processing after step S40 is executed.

  When the biometric information that matches the transaction biometric information included in the transaction request is not recorded in the authenticated information storage area 310 (step S35: NO), the processing server 30 performs personal authentication for the user operating the ATM 22. It is determined that it has not been performed, and a personal authentication request including biometric information and a transaction request are transmitted to the central server 40 again (step S36).

  When the central server 40 receives the personal authentication request and the transaction request, the central server 40 executes the personal authentication and then executes a transaction process according to the transaction request. This process will be described later.

A3-3. Transaction processing:
When the transaction system 1000 confirms that the advance reception is made in the reception confirmation process, the transaction system 1000 executes the transaction process (step S1002). The transaction process corresponds to the process shown as (5) in FIG. Transaction processing is executed by the ATM 22, the processing server 30, and the central server 40. For the sake of clarity, the description will be made assuming that the ATM 22, the processing server 30, and the central server 40 execute instead of the CPU of the ATM 22, the processing server 30, and the central server 40. The transaction process is executed when biometric information that matches the transaction biometric information included in the transaction request is recorded in the authenticated information storage area 310 in step S35 of FIG.

  The processing server 30 transmits to the central server 40 the account number and transaction contents associated with the registered biometric information that matches the biometric information recorded in the authenticated information storage area 310 (step S40). ).

  The central server 40 receives the account number and transaction contents transmitted from the processing server 30 (step S41), refers to the ledger database 420, and confirms the balance of the received account number (step S42). It is determined whether or not a transaction according to the content is possible (step S43).

  If the transaction according to the transaction content is possible (step S43: YES), the central server 40 executes the transaction (step S44) and transmits the transaction result to the processing server 30 (step S45).

  When the transaction according to the transaction content is not possible (step S43: NO), the central server 40 transmits a transaction result including information indicating that the transaction is impossible to the processing server 30 (step S45).

  The processing server 30 receives the transaction result from the central server 40 and transfers it to the ATM 22 (step S46).

  The ATM 22 receives the transaction result transferred from the processing server 30 (step S47), and displays the transaction result on the operation panel 26b according to the transaction result (step S48).

  The transaction result displayed on the operation panel 26b will be described with reference to FIGS. FIG. 15 is an example of a transaction result screen when a transaction is possible. FIG. 16 is a screen example of a transaction result when a transaction is impossible.

  When the transaction is executed, as shown in FIG. 15, the transaction end notification screen 500 displayed on the operation panel 26b displays the balance of the user's account and a message notifying the user that the transaction has ended. .

  When the transaction is not executed, a message prompting the user to confirm the transaction content is displayed on the error screen 510 displayed on the operation panel 26b as shown in FIG. The error screen 510 may also display the reason why the transaction is not possible.

A3-4. Personal authentication and transaction processing:
Processing in the case where biometric information that matches the transaction biometric information included in the transaction request is not recorded in the authenticated information storage area 310 in step S35 will be described below with reference to FIG.

  The processing server 30 transmits a transaction request including transaction details and a personal authentication request including transaction biometric information to the central server 40 (step S50).

  When the central server 40 receives the transaction request and the personal authentication request (step S51), the central server 40 collates the biometric information (step S52). Specifically, the central server 40 collates the transaction biometric information included in the personal authentication request with the registered biometric information stored in the personal information database 410. The central server 40 determines whether or not there is biometric information that matches the transaction biometric information in the registered biometric information (step S53).

  When there is biometric information that matches the transaction biometric information in the registered biometric information stored in the personal information database 410 (step S53: YES), the central server 40 matches the transaction acceptance information from the personal information database 410. The account number associated with the registered biometric information to be acquired is acquired (step S54), the balance of the acquired account number is confirmed with reference to the ledger database 420 (step S56), and transactions according to transaction details are possible. Whether or not (step S57).

  If the transaction according to the transaction content is possible (step S57: YES), the central server 40 executes the transaction (step S58) and transmits the transaction result to the processing server 30 (step S59).

  If the transaction according to the transaction content is not possible (step S57: NO), the central server 40 transmits a transaction result including information indicating that the transaction is impossible to the processing server 30 (step S59).

  The processing server 30 receives the transaction result from the central server 40 and transfers it to the ATM 22 (step S60).

  When the ATM 22 receives the transaction result from the processing server 30 (step S61), the ATM 22 displays the result on the operation panel 26b (step S62) and ends the process. If the transaction is possible, a transaction end notification screen 500 shown in FIG. 15 is displayed. If the transaction is not possible, an error screen 510 shown in FIG. 16 is displayed.

  If there is no biometric information that matches the transaction biometric information in the registered biometric information stored in the personal information database 410 (step S53: NO), the central server 40 determines that the personal authentication has failed, and A personal authentication result including information indicating that is transmitted to the processing server 30 (step S59).

  The processing server 30 receives the personal authentication result from the central server 40 and transfers it to the ATM 22 (step S60).

  When the ATM 22 receives the personal authentication result from the processing server 30 (step S61), the ATM 22 displays a notification that the personal authentication has failed on the operation panel 26b (step S62), and ends the process.

  If personal authentication fails, an error screen 520 is displayed on the operation panel 26b as shown in FIG. The error screen 520 displays a message notifying the user that authentication has failed.

  According to the transaction system of the first embodiment described above, the user can execute personal authentication through the prior reception terminal during the ATM use waiting time. Therefore, since the user can perform personal authentication before operating the ATM, it is possible to shorten the time for which the user occupies the ATM as compared with the case where the user performs personal authentication after starting the ATM operation. Therefore, the waiting time of the user who is waiting to use ATM can be shortened.

B. Second embodiment:
In the first embodiment described above, personal authentication is performed by comparing the biometric information acquired at the advance reception terminal with the biometric information stored in the personal information database 410 of the central server 40. In the second embodiment, the personal information is narrowed down from the personal information database 410 using the personal identification number, and then the biometric information included in the narrowed personal information is collated with the biometric information acquired by the advance reception terminal. Authenticate.

  For example, as shown in FIG. 8, a personal identification number is included in the personal information of each user. The advance reception terminal 10 includes a password input unit in addition to the set area 11, the infrared light source 12, and the camera 13. The user inputs biometric information and a personal identification number to the advance reception terminal 10. The advance reception terminal 10 transmits the input advance biometric information and the password to the central server 40 via the processing server 30.

  When the central server 40 receives the pre-biometric information and the personal identification number, the central server 40 first refers to the personal information database 410 and searches for personal information including the same personal identification number as the received personal identification number. Next, the registered biometric information included in the retrieved personal information is compared with the prior biometric information, and the personal information including the registered biometric information that matches the prior biometric information is retrieved. If the personal information including the registered biometric information that matches the pre-biometric information is searched, the central server 40 determines that the user has been personally authenticated, and determines the registered biometric information and the account number included in the searched personal information. Notify the processing server 30.

  According to the transaction system of the second embodiment described above, before collating biometric information, a personal identification number is used to narrow down personal information including the same personal identification number from a vast amount of personal information. Therefore, the time required for collation of biometric information can be shortened.

C. Variation:
(1) In the first embodiment described above, the advance reception has already been completed when the user starts the ATM operation, but the present invention is not limited to this. For example, the processing server 30 records the pre-biometric information that is undergoing the personal authentication process in the biometric information recording area that is receiving the biometric information during the personal authentication process in one area of the RAM of the processing server 30. When receiving the transaction request from the automatic transaction terminal 20, the processing server 30 first collates the transaction biometric information included in the transaction request with the prior biometric information recorded in the biometric information recording area being received. If the matching biometric information is recorded in the accepting biometric information recording area, it is determined that the personal authentication process is in progress, and even if the authentication result is not recorded in the authenticated information storage area 310, a certain period of time is awaited. And whether or not the authentication result is recorded in the authenticated information storage area 310 may be determined.

  If it carries out like this, even if a personal authentication process is not complete | finished when a user starts operation of ATM, transaction processing can be performed. In addition, since the personal information recorded in the biometric information recording unit during reception and the personal information included in the transaction request are collated, a more secure transaction system can be provided.

  In the first embodiment described above, the transaction system 1000 includes the ATM, the advance reception terminal 10, the processing server 30, and the central server 40, but is not limited thereto. An object of the present invention is to shorten a user's ATM occupation time by preparing a pre-acceptance terminal and executing personal authentication at the prior-acceptance terminal prior to the user's ATM operation. Therefore, among the functions of the processing server 30 and the central server 40, for example, a function relating to personal authentication may be incorporated in the advance reception terminal, and a function relating to transaction execution may be incorporated in the ATM to constitute a transaction system.

  Although various embodiments of the present invention have been described above, it is needless to say that the present invention is not limited to these embodiments and can take various configurations without departing from the spirit of the present invention.

It is explanatory drawing which illustrates the transaction system in 1st Example. Explanatory drawing which illustrates the hardware constitutions of the prior reception terminal in 1st Example. Explanatory drawing which illustrates the hardware constitutions of the automatic transaction terminal in 1st Example. Explanatory drawing which illustrates the functional block of the prior reception terminal in 1st Example. Explanatory drawing which illustrates the functional block of the automatic transaction terminal in 1st Example. Explanatory drawing which illustrates the functional block of the processing server in 1st Example. Explanatory drawing which illustrates the functional block of the central server in 1st Example. Explanatory drawing which illustrates the content of the personal information database in 1st Example. Explanatory drawing which illustrates the content of the ledger database in 1st Example. The flowchart explaining the outline of the process in 1st Example. The flowchart explaining the prior reception process in 1st Example in detail. The flowchart explaining the reception confirmation process in 1st Example in detail. The flowchart explaining the transaction process in 1st Example in detail. The flowchart explaining in detail the personal authentication and transaction process in 1st Example. 6 is a screen example displayed on the operation panel in the first embodiment. 6 is a screen example displayed on the operation panel in the first embodiment. 6 is a screen example displayed on the operation panel in the first embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Prior reception terminal 11 ... Set area 12 ... Infrared light source 13 ... Camera 15 ... Control unit 20, 21, 22 ... ATM
23a ... Bill handling mechanism 23b ... Deposit / withdrawal unit 23c ... Bill storage unit 23d ... Cover 23e ... Bill deposit / withdrawal port 24 ... Dotted line 25 ... Safe 26a ... Transaction processing unit 26b ... Operation panel 27a ... Set area 27b ... Infrared light source 27c ... Camera 29 ... Control unit 30 ... Processing server 40 ... Central server 50 ... Passage 60 ... Entrance 100 ... CPU
101 ... RAM
DESCRIPTION OF SYMBOLS 102 ... Input / output part 103 ... Memory 104 ... Biometric information acquisition module 105 ... Prior reception request module 200 ... CPU
201 ... RAM
202 ... Input / output unit 203 ... Memory 204 ... Biometric information acquisition module 205 ... Transaction execution module 206 ... Display control module 300 ... CPU
301 ... RAM
302 ... Communication unit 303 ... Memory 304 ... Authentication request module 306 ... Authentication result confirmation module 310 ... Authenticated information storage area 400 ... CPU
401 ... RAM
402 ... Communication unit 403 ... Memory 404 ... Personal authentication module 405 ... Transaction execution module 406 ... Hard disk drive 410 ... Personal information database 411 ... Finger vein image 420 ... Ledger database 500 ... Transaction end notification screen 510, 520 ... Error screen 1000 ... Transaction system

Claims (6)

A transaction system comprising: an automatic transaction terminal that executes a transaction desired by a user; and a pre-acceptance terminal that authenticates the user prior to the execution of the transaction,
The advance reception terminal is
Personal information storage unit that stores personal information including account information related to a plurality of user accounts and unique registered biometric information related to the body of each of the users, for each user;
An authenticated personal information recording unit for recording the authenticated personal information;
Prior biological information acquisition means for acquiring the prior biological information of the user;
Pre-personal authentication means for authenticating a user using the registered biometric information stored in the personal information storage unit and the pre-biometric information;
Recording means for recording the personal information of the user who has succeeded in the authentication in the authenticated personal information recording unit,
The automatic transaction terminal
Transaction biometric information acquisition means for acquiring the user's transaction biometric information from the user,
Input means for inputting transaction information relating to the transaction desired by the user;
Judgment means for judging whether or not authenticated personal information including the registered biometric information that matches the transaction biometric information is recorded in the authenticated personal information recording unit of the advance reception terminal;
A transaction system comprising transaction execution means for executing the transaction in accordance with the authenticated personal information and the transaction information when the authenticated personal authentication is recorded in the authenticated personal information recording unit. The transaction system according to claim 1,
The personal information storage unit further stores a registered biometric information and a personal identification number associated with the account information,
The advance reception terminal further includes:
A password input means for inputting the password of the user;
Search means for searching for the personal information including a password that matches the input password;
The transaction system, wherein the personal authentication means searches registered biometric information that matches the prior biometric information from the searched personal information. The transaction system according to claim 1 or claim 2,
The automatic transaction terminal further includes:
When the determination unit determines that the authenticated personal authentication is not recorded in the authenticated personal information recording unit, registered biometric information stored in the personal information storage unit of the advance reception terminal The transaction personal authentication means for authenticating the user using the transaction biometric information,
The transaction execution unit executes the transaction according to the personal information of the authenticated user and the transaction information. It is connected to an automatic transaction terminal that executes a transaction desired by a user, and is a pre-acceptance terminal that performs authentication of the user prior to execution of the transaction,
Personal information storage unit that stores personal information including account information related to a plurality of user accounts and unique registered biometric information related to the body of each of the users, for each user;
An authenticated personal information recording unit for recording the authenticated personal information;
Prior biological information acquisition means for acquiring the prior biological information of the user;
Personal authentication means for authenticating a user using the registered biometric information stored in the personal information storage unit and the prior biometric information;
A pre-accepting terminal comprising: a recording unit that records personal information of a user who has succeeded in authentication in the authenticated personal information recording unit. A personal information storage unit for storing personal information for each user, including an automatic transaction terminal that executes a transaction desired by the user, account information regarding accounts of a plurality of users, and unique registered biometric information regarding the body of each user; A transaction method executed by a transaction system comprising a pre-acceptance terminal that executes personal authentication of a user prior to execution of the transaction,
The advance reception terminal is
Obtaining prior biometric information of the user;
Using the registered biometric information stored in the personal information storage unit and the prior biometric information to authenticate the user,
In the authenticated personal information recording unit that records the authenticated personal information, the personal information of the user who has succeeded in the authentication is recorded,
The automatic transaction terminal
From the user, obtain the transaction biometric information of the user,
Enter transaction information regarding the transaction desired by the user,
Determining whether or not the authenticated personal information including the registered biometric information that matches the transaction biometric information is recorded in the authenticated personal information recording unit of the advance reception terminal;
A transaction method of executing the transaction according to the authenticated personal information and the transaction information when the authenticated personal authentication is recorded in the authenticated personal information recording unit. Personal information storage that is connected to an automatic transaction terminal that executes a transaction desired by a user, and stores personal information including account information related to accounts of a plurality of users and unique registered biometric information related to each user's body for each user. A prior acceptance method for performing personal authentication of a user prior to execution of the transaction,
Obtaining prior biometric information of the user;
Using the registered biometric information stored in the personal information storage unit and the prior biometric information to authenticate the user,
A pre-accepting method, wherein personal information of a user who has succeeded in authentication is recorded in an authenticated personal information recording unit that records the authenticated personal information.

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