JP2007199818A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an ATM (Automatic Teller Machine), on which a biometrics authentication means is mounted, which is easily utilized by a visually impaired person and is high in security. <P>SOLUTION: The ATM includes: a card mechanism 104 for reading/writing information recorded in a card; an operation display part 103 having an operation guide picture and an input means; a biometrics authentication part 102 having an authentication control part 112 for authenticating a legal user by collating the biological information of a user read by a biological information reader part 111 with preliminarily registered biological information; a ten key 119 for performing an input operation with a speaker part 118 for outputting a guidance for transaction with a voice and a handset mechanism having a hook part 120 for detecting that a handset to be mainly used by a visually impaired person has been handled; and a control part 110 for controlling those parts. The control part 110 controls a speaker part 118, and validates guidance with a voice and an input with the ten key 119, based on the fact that the dealing of the handset has been detected by the hook part 120. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus. For example, in an automatic cash transaction apparatus (hereinafter referred to as an ATM) installed in a store of a financial institution such as a bank, a user who is visually or hearing-impaired uses biometric authentication. The present invention relates to an automatic transaction apparatus that can be used.

In recent years, there has been an increasing number of cases in which cash transactions are made at ATMs pretending to be the person himself due to theft or forgery of magnetic stripe cards. As a preventive measure, in order to improve the security of transactions at ATMs and verify legitimate users, the user's identity is authenticated using biological information such as finger veins, palm veins, fingerprints, irises, etc. It has been proposed to install a biometric authentication mechanism.
Recently, interest in universal design that allows various users including disabled persons to operate freely is also increasing in ATMs.

  For example, Patent Document 1 (Japanese Patent Laid-Open No. 10-63919) discloses an ATM that allows a visually impaired person to easily perform an error-free operation without the assistance of an attendant. According to this, there is disclosed an input method with voice guidance in which one of normal operation or visually impaired person operation is selected by voice guidance, and when a visually handicapped person is selected, subsequent operation guidance is performed by voice guidance. Yes.

JP-A-10-63919

  For example, assuming an ATM equipped with a finger vein authentication mechanism, there is a problem that a visually handicapped person has difficulty in finding the position of the finger vein reading unit or does not know the operation method itself. Moreover, in the case of a healthy person, the authentication result by finger vein authentication can be known by the guidance displayed on the ATM transaction screen, but in the case of a visually impaired person, the authentication result cannot be known by the transaction screen.

Furthermore, it is not appropriate for users who are visually or hearing impaired to notify the authentication result of finger vein authentication by screen display or voice guidance.
Moreover, in the example of the said patent document 1, the visually handicapped person is performing transaction operation according to the audio | voice guidance output from a handset, and the guidance screen in the meantime is a normal display. For this reason, there is a possibility that a screen of a transaction operation by a visually impaired person can be peeped from a third party.

  An object of the present invention is to facilitate use of an ATM equipped with biometric authentication means by a visually impaired person and to realize a highly secure ATM.

In a preferred example, the present invention provides, in an automatic transaction apparatus capable of performing a predetermined transaction using a card possessed by a user, a card reader unit for reading at least information recorded on the card, and a user's Therefore, an operation display unit having a display screen for displaying operation guidance, an input unit for performing an input operation for a transaction by the user, a biometric information reader unit for reading the biometric information of the user, and the read biometric information And a biometric authentication unit having an authentication control unit for authenticating a legitimate user by collating with the biometric information of the user registered in advance in the predetermined unit, and voice guidance for the transaction to the user Speaker unit for output, key for input operation by the user, handset mainly used by the visually impaired, and detection means for detecting that the handset has been handled And a control unit that controls each of the mechanism units. The control unit detects the handling of the handset by using the speaker unit of the handset mechanism. It is an automatic transaction apparatus that enables voice guidance and key input.
Preferably, the control unit controls the speaker unit to output an operation method for authentication in the biometric authentication unit and an authentication result in the biometric authentication unit.
Preferably, the biometric authentication unit includes a vibration unit that selectively uses a plurality of predetermined patterns to transmit different vibrations to the user, and the authentication control unit varies depending on a biometric authentication result. The pattern is selected to control the vibration part.
Preferably, the control unit stops displaying the normal transaction screen on the display screen based on the detection means detecting the handling of the handset, or displays another screen not directly related to the transaction on the display screen. To do.
Preferably, the control unit recognizes that the person is visually impaired from the information on the card acquired from the card reader, and stops displaying the normal transaction screen on the display screen or is not directly related to the transaction. Display the screen on the display screen.

  The present invention can also be preferably understood as an automatic transaction apparatus having the following configuration. That is, in an automatic transaction apparatus capable of performing a predetermined transaction using a card possessed by a user, a card reader unit that reads at least information recorded on the card and an operation guide for the user at the time of transaction An operation display unit having a display screen to be input, an input unit for performing an input operation for a transaction by a user, a biological information reader unit for reading the biological information of the user, the read biological information, and a predetermined unit in advance An authentication control unit that authenticates a legitimate user by collating with biometric information of a registered user, and a vibration unit that selectively uses a plurality of predetermined patterns to transmit different vibrations to the user The biometric authentication unit, the speaker unit that outputs the guidance for transactions to the user by voice, the keys for input operations by the user, and mainly used by visually impaired persons A handset mechanism having a handset and a detection means for detecting that the handset has been handled; and a control unit for controlling each of the mechanism units, wherein the control unit is information on the card acquired by the card reader unit. If it is recognized that the person is a visually impaired person, the automatic transaction apparatus controls the vibration unit according to the result of authentication by the authentication control unit.

According to the present invention, it is easy to use an ATM equipped with biometric authentication means even for a visually impaired person, and an ATM with high security can be realized. Moreover, it becomes easy to use ATM equipped with a biometric authentication means also for a handicapped person who is visually and hearing impaired.
Further, when the visually impaired person uses the ATM, it is possible to prevent the third party from peeping at the transaction screen by eliminating the display of the guidance screen used in normal transactions.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a block diagram of an ATM having finger vein authentication means for persons with disabilities.
The ATM 101 reads a finger vein of a user and authenticates a finger vein pattern registered in advance, and an operation display unit that displays operation guidance, transaction contents, finger vein authentication result, etc. to the user 103, a card mechanism 104 for processing a card inserted into an ATM, a banknote deposit / withdrawal mechanism 105 for processing banknotes such as banknote deposit / withdrawal, and a coin deposit / withdrawal mechanism 106 for processing coins such as coin deposit / withdrawal A statement slip printing mechanism 107 that performs statement slip printing processing, a passbook printing mechanism 108 that performs passbook printing processing, a handset mechanism 109 that includes a speaker unit 118 and a numeric keypad for operation for the visually impaired, The control unit 109 is configured to control the operation.

The finger vein authentication unit 102 includes a finger vein reader unit 111 for reading a finger vein held by a user, a read finger vein pattern, and a finger registered in advance in an IC card memory or a host computer. An authentication control unit 111 that performs a user authentication process by collating with a vein pattern, and a vibration unit 112 for reaching an authentication result to the user by vibration are provided.
The vibration unit 113 is a transmission unit for visually and hearing impaired persons. The vibration unit 113 receives a vibration pattern instruction distinguished for each authentication result from the authentication control unit 111 and vibrates to a finger held over the finger vein reader unit 111. The authentication result is communicated to it. The authentication result is transmitted by different vibration patterns. For example, a pattern of vibration once for successful authentication and a pattern of three vibrations for failed authentication is prepared by storing in advance in the ROM 123 of the control unit 110 or a memory (not shown) in the authentication control unit 112. .
The operation display unit 103 displays a liquid crystal screen 112 for displaying operation guidance to the user, transaction details, finger vein authentication results, and the like, and a key for the user to select an operation. A touch panel 113 for selecting a transaction content by pressing is provided.

The card mechanism 104 reads information on the magnetic stripe of the inhaled card, or reads information in the IC chip of the inhaled card, and a magnetic stripe read / write unit 113 for writing new information to the magnetic stripe. Alternatively, an IC card read ride unit 114 for writing new information in the IC chip is provided.
In this example, ATM allows transactions using only a magnetic card having a magnetic stripe, transactions using only an IC card having an IC chip, and transactions using a card having both an IC chip and a magnetic stripe. To do. However, an IC card is preferable as a card for storing biometric information for biometric authentication.
Here, information indicating that the user is visually impaired and information indicating that the user is hearing impaired are stored in advance in the magnetic stripe and the IC card. These pieces of information are read by the magnetic stripe read / write unit 113 and the IC card read ride unit 114 of the card mechanism 104 together with other information for transaction and recognized by the control unit 110.

  The handset mechanism 109 includes a speaker unit 118 that can hear voice guidance without being heard by a third party around the ear, and a numeric keypad 119 that can be operated by a user holding the handset. Then, a hook unit 120 for detecting that the user picks up the handset is provided. The numeric keypad 110 is arranged with numeric buttons 0 to 9, and the user can make an ATM transaction by pressing the button according to the voice guidance.

  The control unit 110 includes a CPU 121 that controls each mechanism unit, a RAM 122 that is a memory that temporarily stores processing data and a program, a ROM 123 that stores a program for executing transaction processing, and a host computer. Is provided with a communication unit 124 for transmitting and receiving data.

Next, with reference to the flowchart of FIG. 2, the transaction processing in ATM by a disabled person is demonstrated.
First, when using an ATM, a user who is a disabled person picks up the handset mechanism 109 of the ATM 101. Then, the hook unit 120 of the handset detects this, and the control unit 110 (specifically, the CPU 121) starts a transaction in the visually impaired person mode (step 201).
On the other hand, when the hook unit 120 does not detect that the handset has been picked up and it is recognized that the transaction selection key on the transaction selection screen displayed on the operation display unit 103 has been operated, the control unit 110 performs a normal operation. Control is made to make a transition to a transaction flow (step 221).

  When the mode is changed to the visually impaired person mode, the control unit 110 first hides the operation display unit 103 in order to prevent the operation display unit 103 from being looked into by a third party (step 202). Next, a voice guidance for guiding the transaction selection is played from the speaker unit 118, and guidance is given to press the button corresponding to the transaction type (step 203). For example, a voice guidance such as “Press the button for withdrawal, 2 for deposit, and 3 for balance inquiry” is output. The user presses the button corresponding to the desired transaction type with the numeric keypad 119, and the control unit 110 controls to transition to the selected transaction flow. In this embodiment, it is assumed that cash withdrawal is selected (step 204).

Next, when the card insertion is guided by the voice guidance of the speaker unit 118, the user inserts the card accordingly, and the card mechanism 104 receives and inhales the inserted card (step 205).
Here, the magnetic stripe read / write unit 116 and / or the IC card read / write unit 117 of the card mechanism 104 reads the information of the inserted card, and the control unit 110 determines whether or not the user is visually impaired from the read information. Judging. As a result of the determination, if it is a visually handicapped person, control is performed so as to shift to the visually handicapped person mode.

Next, in the visually impaired person mode, the voice guidance of the speaker unit 118 guides the user to input the password from the numeric keypad 119 (step 206). The user inputs a personal identification number from the numeric keypad 119 according to the voice guidance (step 207).
Subsequently, in order to perform finger vein authentication, the operation method for authentication and the position of the finger vein reader unit 111 are guided by voice guidance. For example, the voice guidance guides “Perform finger vein authentication for identity verification. Lightly attach a registered finger to the finger vein authentication device on the left of the screen” (step 208). The user follows the voice guidance and attaches the registered finger to the finger vein reader unit 111 (step 209). The finger vein reader unit 111 reads the finger vein pattern from the attached finger (step 210). The authentication control unit 112 authenticates the user by comparing the finger vein pattern read from the finger vein reader unit 111 with the user's finger vein pattern registered in advance in the IC card or the host computer (step 211). 212).

If the authentication result (step 212) is successful, the speaker unit 118 informs the user that the authentication result is successful and that the ATM transaction can be continued. For example, the voice guidance indicates that “the user has been confirmed by the finger vein authentication result” (step 213).
Here, the vibration unit 113 vibrates in order to inform the hearing impaired person that the authentication result is successful. For example, it is vibrated once to inform that the authentication result is successful (step 214).

On the other hand, if the authentication result (step 212) is unsuccessful, the speaker unit 118 informs that the authentication result is unsuccessful and the ATM transaction cannot be continued. For example, the voice guidance informs the user that “the user cannot confirm with the finger vein authentication result” (step 222).
Here, the vibration unit 113 vibrates in order to inform a person who is also hard of hearing that the authentication result is a failure. For example, it vibrates three times and is notified that the authentication result is a failure. (Step 223)
Subsequently, guidance is given to input the transaction amount from the numeric keypad 119 by voice guidance from the speaker unit 118 (step 215). The user inputs the transaction amount from the numeric keypad 119 according to the voice guidance (step 216).

When the necessary predetermined input is completed, the control unit 110 transmits / receives data necessary for the transaction to / from the host computer via the communication unit 214 (step 217).
In accordance with the response from the host computer, the control unit 110 drives and controls the banknote deposit / withdrawal mechanism 105 and the coin deposit / withdrawal mechanism 106 to prepare for the withdrawal of cash of the amount input by the user from the numeric keypad 119 (step 218). The card mechanism 104 conveys and discharges the card, and the statement slip printing mechanism 107 conveys and discharges the statement slip and returns them to the user (step 219). Finally, the bill deposit / withdrawal mechanism 105 and the coin deposit / withdrawal mechanism 106 discharge the bills or coins from the respective dispensing outlets, and the user receives them (step 220).

It should be noted that although the operation display unit 103 is not displayed in step 222 in order to prevent a third party from peeping, a dedicated screen different from the transaction screen may be displayed. For example, it is possible to display a word as shown in FIG. 3 that tells a person around the person that a visually impaired person uses ATM. As another example, a landscape image that is not related to a transaction may be displayed.
In the above embodiment, the user's finger vein is used as the user's biometric authentication. However, the present invention is not limited thereto, and biometric information such as vein authentication other than the finger such as the palm, fingerprint authentication, iris authentication, face authentication, etc. It is also possible to authenticate using.
In the above embodiment, the authentication control unit 112 performs biometric authentication, but all or part of the control performed by the authentication control unit 112 may be performed by the control unit 110 of the ATM 101.

  According to this embodiment, it is easy to use an ATM equipped with finger vein authentication means even for a visually impaired person, and an ATM with high security can be realized. In addition, for ATMs equipped with finger vein authentication means, the operability for visually handicapped persons and persons with hearing impairments can be improved, the waiting time of ATMs can be shortened, and the trouble of ATM operation guidance by bank staff can be reduced. It becomes possible.

  As mentioned above, although one Example applied to ATM was demonstrated, this invention is not limited to this, It is applicable also to the other automatic transaction apparatus to which the function which performs biometric authentication of a user himself / herself was added. . For example, it can be applied to an automatic resident card issuing device.

The block diagram which shows the structural example of ATM which has the finger vein authentication means for persons with a disability by one Example, The flowchart which shows the transaction processing operation | movement of a disabled person in ATM by one Example, The figure which shows the example of a display of the guidance screen in ATM by one Example.

Explanation of symbols

101: ATM 102: Finger vein authentication unit 103: Operation display unit 104: Card mechanism
105: bill deposit / withdrawal mechanism 106: coin deposit / withdrawal mechanism 107: statement slip printing mechanism 108: passbook printing mechanism 109: handset mechanism 110: control unit 111: finger vein reader unit 112: authentication control unit 113: vibration unit 114: liquid crystal screen Unit 115: touch panel 116: magnetic stripe read / write unit 117: IC card read / write unit 118: speaker unit 119: numeric keypad 120: hook unit 121: CPU
122: RAM 123: ROM 124: Communication unit

Claims (6)

In an automatic transaction apparatus capable of performing a predetermined transaction using a card possessed by a user,
A card reader unit for reading at least information recorded on the card;
An operation display unit having a display screen for displaying operation guidance for the user at the time of transaction, and an input means for performing an input operation for the transaction by the user;
The biometric information reader unit that reads the biometric information of the user, the biometric information acquired from the biometric information reader unit and the biometric information of the user registered in advance in the predetermined unit A biometric authentication unit having an authentication control unit for authentication;
A speaker unit that outputs a guidance for a transaction to a user by voice, a key for performing an input operation by the user, a handset mainly used by a visually impaired person, and detection for detecting that the handset is handled. A handset mechanism having means;
A control unit for controlling each mechanism unit,
Based on the detection of the handling of the handset by the detection means, the control unit uses the speaker unit of the handset mechanism to enable voice guidance for the user and input by the key. An automatic transaction device characterized. The automatic transaction apparatus according to claim 1, wherein the control unit controls the speaker unit to output an operation method for authentication in the biometric authentication unit and an authentication result in the biometric authentication unit. The biometric authentication unit includes a vibration unit that selectively uses a plurality of predetermined patterns to transmit different vibrations to the user, and the authentication control unit selects a different pattern according to a biometric authentication result. The automatic transaction apparatus according to claim 1 or 2, wherein the vibration unit is controlled. Based on the detection of the handling of the handset by the detection means, the control unit stops displaying a normal transaction screen on the display screen or displays another screen not directly related to the transaction on the display screen. The automatic transaction apparatus according to any one of claims 1 to 3. The control unit recognizes that the person is visually impaired from the card information acquired from the card reader, and stops displaying the normal transaction screen on the display screen or displays another screen not directly related to the transaction. 5. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is displayed on a screen. In an automatic transaction apparatus capable of performing a predetermined transaction using a card possessed by a user,
A card reader unit for reading at least information recorded on the card;
An operation display unit having a display screen for displaying operation guidance for the user at the time of transaction, and an input means for performing an input operation for the transaction by the user;
A biometric information reader unit that reads biometric information of a user, and an authentication control unit that authenticates a legitimate user by comparing the read biometric information with the biometric information of the user registered in advance in a predetermined unit And a biometric authentication unit having a vibration unit that selectively uses a plurality of predetermined patterns to transmit different vibrations to the user,
A speaker unit that outputs a guidance for a transaction to a user by voice, a key for performing an input operation by the user, a handset mainly used by a visually impaired person, and detection for detecting that the handset is handled. A handset mechanism having means;
A control unit for controlling each mechanism unit,
The control unit controls the vibration unit according to a result of authentication by the authentication control unit when the controller recognizes that the person is visually impaired from information on the card acquired by the card reader unit. Trading device.

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