JP2007328575A - Transaction processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform customer individual authentication and transaction processing by one operation of a customer, so that the customer can easily perform a transaction without complicated operation or being annoyed by separating an acquired image of the customer's hand into biological information and hand pattern information, performing the customer individual authentication by use of the biological information, and performing the transaction processing by use of the hand pattern information. <P>SOLUTION: The processor comprises an image capturing part 11 acquiring the image of the customer's hand and an image processing part 12 separating the hand image acquired by the image fetching part 11 into biological information and hand pattern information. The individual authentication and the transaction processing are simultaneously performed by use of the biological information and the hand pattern information. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a transaction processing apparatus.

  Automatic transactions such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) installed at branches of financial institutions such as banks, credit unions, post offices, etc. The device is operated by the customer himself to perform financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. When the customer operates the automatic transaction apparatus, the customer is authenticated by using a cash card and inputting a personal identification number.

  However, in recent years, fraudulent activities such as fraudulently obtaining a customer's cash card and PIN, impersonating the customer and withdrawing money from the customer's account, or making a direct transfer to the customer based on false information There are many wire frauds. Therefore, in order to prevent damage caused by fraud, transfer fraud, etc., a code input device using a finger that creates a code signal by combining any number of fingers and recognizes and collates a code based on the code signal has been proposed ( For example, see Patent Document 1.)

In this case, the code input device includes finger number detecting means for detecting the number of fingers per time and storage means for sequentially storing the detected number of fingers per time. The code input device collates the combination of the number of fingers sequentially stored in the storage means with a predetermined combination for confirmation.
Utility Model Registration No. 3006781

  However, since the conventional code input device using fingers only detects the number of fingers, it cannot recognize a complex hand shape such as a hand sign used for a sign language sign. In addition, when the code input device by the finger is attached to the automatic transaction device to which the palm vein pattern authentication device or the fingerprint authentication device is attached, the use of the code input device by the finger is limited to numerical value input, The customer who operates the automatic transaction device needs to use a palm vein pattern authentication device or a fingerprint authentication device for personal authentication and a code input device with a finger to input the amount of money. I feel annoying.

  The present invention solves the conventional problems, separates the acquired customer hand image into biometric information and hand pattern information, performs personal authentication of the customer based on the biometric information, and the hand pattern Transaction processing is based on information, and the customer's personal authentication and transaction processing can be performed by a single operation of the customer. The customer can easily perform transactions without complicated operations and without feeling bothersome. It is an object of the present invention to provide a transaction processing apparatus capable of performing the above.

  Therefore, in the transaction processing apparatus of the present invention, an image capturing unit that acquires an image of a customer's hand, and an image processing unit that separates the hand image acquired by the image capturing unit into biological information and hand pattern information. Personal authentication and transaction processing are simultaneously performed using the biometric information and hand pattern information.

  In another transaction processing apparatus of the present invention, the image processing unit has an image capturing unit that acquires an image of a customer's hand, sequentially acquires biological information and hand pattern information from the image of the hand, and uses the acquired biological information to Authentication is performed, and transaction processing is selected based on the acquired hand pattern information.

  In still another transaction processing apparatus of the present invention, the customer includes an image capturing unit that acquires an image of a customer's hand and a cover provided in the image capturing unit, and is presented to the image capturing unit by the cover. To prevent the outside of the hand from being visible.

  According to the present invention, the transaction processing apparatus classifies the acquired customer hand image into biometric information and hand pattern information, performs personal authentication of the customer based on the biometric information, and performs transaction based on the hand pattern information. Process. Therefore, the customer's personal authentication and transaction processing can be performed by one operation of the customer, and the customer can easily perform transactions without performing complicated operations and without feeling bothersome.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a configuration of an automatic transaction apparatus according to the first embodiment of the present invention, and FIG. 2 is a diagram showing a hand sign presented by a customer to an image capturing unit according to the first embodiment of the present invention. It is.

  In FIG. 1, reference numeral 10 denotes an automatic transaction apparatus as a transaction processing apparatus such as an ATM or a CD installed in a branch of a financial institution such as a bank, a credit union or a post office. It is a device for operating and conducting financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit. The automatic transaction apparatus 10 includes stores such as convenience stores, supermarkets and department stores, underground malls, station premises, city halls, public facilities such as hospitals, private companies such as factories and offices, parking lots, roadsides ( It may be arranged outdoors such as aside). The automatic transaction apparatus 10 may be a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. Good. The customer is a person who opens an account with a financial institution and performs the financial transaction.

  Further, the automatic transaction apparatus 10 includes a customer operation including an input unit including input means such as a keyboard, a touch panel, and a push button, a display unit 19 including display means such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display. Part. Note that the customer operation unit is preferably a touch panel having both functions of an input unit and a display unit. Furthermore, the display unit 19 may include a voice output unit such as a speaker for outputting voice guidance or the like, a voice input unit such as a microphone for the customer to talk with a staff member of a financial institution, or the like. .

  Then, the automatic transaction apparatus 10 captures the hand sign as the pattern information of the customer's hand as shown in FIG. 2 by the image capturing device and captures the image, and the image processing of the captured image data An image processing unit 12 for performing the above and a sign recognition unit 15 for recognizing a hand signature. The customer presents a hand sign representing 10,000 to 100,000 yen as monetary information by making a hand sign as shown in FIGS. 2 (1) to (10) with the back of the hand down. Financial transactions. For example, when a V sign as shown in FIG. 2 (2) is presented with the back of the hand down, a withdrawal process of 20,000 yen is performed.

  The automatic transaction apparatus 10 has a card recognition unit 13 that handles cards such as cash cards. Here, the card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued by a financial institution to a customer, and includes an IC, a magnetic stripe, and the like. Then, biometric information for performing identity verification is stored in advance in the IC when an account is opened. The biometric information is, for example, an iris, a fingerprint, a hand vein pattern, etc., but any kind of biometric authentication information can be used as long as the biometric authentication information can be used to identify the person using biological characteristics. .

  In the present embodiment, description will be made assuming that the biological information is a caudal vein pattern of the hand. In this case, the vein image of the back of the hand obtained by processing the image of the customer's hand captured by the image capturing unit 11 by the image processing unit 12 is registered in the IC. Furthermore, when the vein image of the back of the hand is stored in the IC of the card when the account is opened, a hand sign as shown in FIGS. 2 (1) to (10) is created, and the back of the hand corresponding to each of the hand signs is created. Register vein images. Further, it is desirable that the expiration date of the biological information is also stored in the IC. The magnetic stripe stores information such as the customer's name, account number, and personal identification number.

  The card recognition unit 13 includes a card slot into which a card is inserted. In the card slot, a card transport device (not shown) for transporting the card, and reading of information stored in the magnetic stripe of the card or IC. In addition, a recording head such as a magnetic head for overwriting, erasing and the like is provided. The card recognition unit 13 preferably handles other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  Further, the card recognition unit 13 has a function of issuing a statement slip. The statement slip is a piece of paper on which information related to financial transactions performed by the customer, such as deposit, withdrawal, balance inquiry, transfer, transfer, remittance, fixed deposit, etc., is printed, account number, type of financial transaction, transaction The amount is printed. The statement slip may be issued only when the customer desires.

  The automatic transaction apparatus 10 includes a personal authentication unit 14 that performs personal authentication of a customer based on personal information. Here, the personal authentication unit 14 is connected to the image processing unit 12 and the card recognition unit 13, and the card recognition unit 13 reads the image data of the customer's hand image-processed by the image processing unit 12. The user's personal authentication of the customer who operates the automatic transaction apparatus 10 is performed by comparing with the caudal vein pattern of the hand stored in the IC of the card.

  The automatic transaction apparatus 10 has a passbook processing unit 16 for writing in a passbook such as a deposit passbook. Here, the bankbook is a booklet bankbook such as a bankbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook processing unit 16 includes a passbook slot (not shown) into which a passbook is inserted, a transfer device (not shown) for transferring the passbook, a print head for printing the financial transaction record on the passbook, In addition, a recording head such as a magnetic head for reading, overwriting, erasing information stored in the magnetic stripe of the bankbook or the IC is provided.

  Furthermore, the automatic transaction apparatus 10 includes a printing unit (not shown) that prints transaction details and issues a statement slip. The statement is a piece of paper on which information related to financial transactions conducted by the customer such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, etc., is printed. Type, transaction amount, etc. are printed. The statement slip may be issued only when the customer desires.

  And the said automatic transaction apparatus 10 has the banknote depositing / withdrawing part 17 which handles a banknote. The banknote deposit / withdrawal unit 17 receives banknotes deposited by a customer in a financial transaction such as deposit and counts, that is, counts, and pays out a predetermined amount of banknotes from the banknote receiving port in a financial transaction such as withdrawal. In the banknote deposit / withdrawal unit 17, a shutter that can be opened and closed is disposed at the banknote receiving port, and the shutter is opened when a banknote is dispensed.

  Further, the automatic transaction apparatus 10 is a kind of computer that operates according to a program, and includes a control unit 18 that comprehensively controls the operation of the automatic transaction apparatus 10. The control unit 18 includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication interface, and the like. The personal authentication unit 14, the signature recognition unit 15, the passbook processing unit 16, and the banknote deposit and withdrawal unit 17 is communicably connected to control the operations of the personal authentication unit 14, the signature recognition unit 15, the passbook processing unit 16, and the banknote deposit / withdrawal unit 17. Further, the automatic transaction apparatus 10 is communicably connected to a host computer of the financial institution as an accounting system host apparatus (not shown) and performs a financial transaction.

  Next, the operation of the automatic transaction apparatus 10 having the above configuration will be described. Here, a case where the financial transaction is a withdrawal will be described.

  FIG. 3 is a flowchart showing a withdrawal transaction process of the automatic transaction apparatus according to the first embodiment of the present invention.

  First, the customer operates a customer operation unit of the automatic transaction apparatus 10 to start a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. In this case, the automatic transaction apparatus 10 displays a transaction selection screen as guidance for selecting a financial transaction on the display unit 19 of the customer operation unit.

  Subsequently, the automatic transaction apparatus 10 displays a card insertion guidance screen as guidance for inserting a card on the display unit 19 of the customer operation unit. Then, the customer inserts the card into the card slot of the card recognition unit 13 according to the guidance. Then, the card recognition unit 13 takes in the card and reads the customer's biometric information from the card. The read biometric information is transmitted to the personal authentication unit 14.

  Next, the automatic transaction apparatus 10 displays on the display unit 19 of the customer operation unit a screen that prompts the customer to input a hand sign as guidance for performing personal authentication and transaction processing. Then, the customer makes a hand sign as shown in FIG. 2 according to the guidance, and presents it to the image capturing unit 11 with the back of the hand down. Then, the image capturing unit 11 captures the customer's hand signature with the imaging device, captures the image, and transmits the captured image to the image processing unit 12. The image processing unit 12 separates the image of the customer's hand into a vein image on the back of the hand, that is, biometric information and a hand sign image, that is, hand pattern information. Then, the vein image of the back of the hand is transmitted to the personal authentication unit 14 and the signature image of the hand is transmitted to the signature recognition unit 15.

  Next, the signature recognition unit 15 determines whether or not the received signature image of the hand represents a withdrawal transaction. The hand sign indicating the withdrawal transaction represents the amount information as shown in FIG. 2 with the back of the hand down, and is registered in advance. Then, when the received hand sign image does not represent a withdrawal transaction, a transaction by an existing transaction means is performed.

  On the other hand, if the received hand sign image represents a withdrawal transaction, the control unit 18 communicates with the host computer, and compares the withdrawal amount indicated by the hand sign with the balance of the customer's account. . The personal authentication unit 14 collates the biometric information of the customer received from the card recognition unit 13 with the vein image of the back of the hand received from the image processing unit 12, and transmits the collation result to the control unit 18.

  Subsequently, the control unit 18 determines whether or not there is a problem with the customer and the amount based on the result of the comparison between the withdrawal amount and the balance of the account and the comparison between the biometric information and the vein image of the back of the hand. And whether the withdrawal amount is equal to or smaller than the balance of the account is determined. And if there is a problem with the customer or the amount, that is, if the customer's identity has not been confirmed or if the withdrawal amount is greater than the balance of the account, the withdrawal transaction cannot be performed, so the card recognition The unit 13 returns the card from the card slot and ends the transaction.

  When there is no problem with the customer and the amount of money, that is, when the identity of the customer is confirmed and the withdrawal amount is less than or equal to the balance of the account, the bill deposit / withdrawal unit 17 counts the bills, and the withdrawal amount The banknotes from the banknote receiving slot. Then, the card recognition unit 13 returns the card and issues a statement slip, and discharges the card and statement slip from the card slot. The banknote deposit / withdrawal unit 17 determines whether or not the banknote has been extracted by the customer, and when it is confirmed that the banknote has been extracted, closes the shutter of the banknote receiving port. Thereby, all the processes are completed.

Next, a flowchart will be described.
Step S1: Display a transaction selection screen.
Step S2 Take in the card.
Step S3 Prompt hand sign.
Step S4: It is determined whether or not it represents a withdrawal transaction. If it represents a withdrawal transaction, the process proceeds to step S5, and if it does not represent a withdrawal transaction, the process proceeds to step S6.
Step S5: Communicate with the host computer.
Step S6: Perform a transaction using the existing transaction means and end the process.
Step S7: It is determined whether or not there is a problem with the customer and the amount. If there is a problem with the customer and the amount, the process proceeds to step S8, and if there is no problem with the customer and the amount, the process proceeds to step S9.
Step S8: The card is returned and the process is terminated.
Step S9 Count bills.
Step S10 The card is returned and a statement slip is issued.
Step S11: It is determined whether or not bill removal has been completed. If the banknote has been extracted, the process proceeds to step S12. If the banknote has not been extracted, the process stands by.
Step S12: The shutter is closed and the process is terminated.

  As described above, in the present embodiment, the personal authentication using the hand vein pattern and the withdrawal transaction using the hand signature can be performed by the image capturing unit 11 as the same input device. Therefore, in the case of a specific process that seems to have a high frequency, such as withdrawal of tens of thousands of yen, the image capturing unit 11 captures the vein image of the back of the hand, processing content information, and withdrawal amount information at a time. Work can be done with one action. This eliminates the need for complicated operations such as processing content selection, personal authentication, and monetary input for customers who have decided on the use of the automatic transaction apparatus 10 such as “withdrawal of ¥ 100,000 every month” The work can be simplified.

  Next, a second embodiment of the present invention will be described. In addition, about what has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operations and effects as those of the first embodiment is also omitted.

  FIG. 4 is a diagram showing a hand sign presented by the customer to the image capturing unit according to the second embodiment of the present invention.

  In the present embodiment, the customer sequentially performs processing content information presentation, personal authentication, money amount information presentation, confirmation or cancellation presentation, and the like. For example, when presenting processing content information, six numerical signs from “1” to “6” of hand signs as shown in FIG. 4 are used, respectively, for withdrawal, deposit, Present financial transactions for balance inquiry, transfer, transfer and passbook entry. Note that all hand signs in the present embodiment are presented with the palm down.

  In addition, when performing personal authentication, the image capturing unit 11 presents it with its palm open. Furthermore, when presenting monetary information, it is expressed by combining a hand sign representing 10 numbers from “0” to “9” and a hand sign representing “1000”, “10,000”, and “Yen”. To do. For example, in the case of indicating 1.05 million yen, hand signs representing “1”, “0”, “5”, “ten thousand” and “yen” are sequentially presented.

  Furthermore, when presenting confirmation or cancellation, it is presented using a numerical signature “1” or “2” of the hand signs.

  Then, the customer stores the vein image of the palm in the IC of the card when the account is opened. At this time, the palm vein image is registered by presenting the palm with the palm facing down.

  The configuration of other points is the same as that of the first embodiment, and a description thereof will be omitted.

  Next, operation | movement of the automatic transaction apparatus 10 in this Embodiment is demonstrated. Here, a case where the financial transaction is a withdrawal will be described.

  FIG. 5 is a diagram showing an example of a transaction selection screen displayed on the display unit in the second embodiment of the present invention, and FIG. 6 shows personal authentication displayed on the display unit in the second embodiment of the present invention. FIG. 7 is a diagram illustrating an example of a prompt screen, FIG. 7 is a diagram illustrating an example of a screen prompting the user to input an amount displayed on the display unit according to the second embodiment of the present invention, and FIG. 8 is a diagram illustrating the second embodiment of the present invention. FIG. 9 is a flowchart showing an example of a withdrawal transaction process according to the second embodiment of the present invention.

  First, the customer operates the customer operation unit of the automatic transaction apparatus 10 to start a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry and the like. In this case, the automatic transaction apparatus 10 displays a transaction selection screen as shown in FIG. 5 as guidance for selecting a financial transaction on the display unit 19 of the customer operation unit. In this case, guidance for inputting a hand signature as hand pattern information is displayed.

  Then, according to the guidance, the customer presents the hand sign as shown in FIGS. 4 (1) to (6) corresponding to the processing he / she wants to trade to the image capturing unit 11. The image capturing unit 11 transmits the captured hand image to the image processing unit 12, and the image processing unit 12 transmits the processed hand signature image, that is, processing content information, to the signature recognition unit 15. Then, the signature recognition unit 15 identifies the numerical values “1” to “6” from the received signature image of the hand, and transmits this information to the control unit 18.

  Subsequently, the control unit 18 determines whether or not a withdrawal transaction is selected. Then, when the withdrawal transaction is not selected, another transaction is executed. In addition, description is abbreviate | omitted about the operation | movement in another transaction.

  On the other hand, when the withdrawal transaction is selected, the automatic transaction apparatus 10 displays a card insertion guidance screen as guidance for inserting a card on the display unit 19 of the customer operation unit. Then, the customer inserts the card into the card slot of the card recognition unit 13 according to the guidance. Then, the card recognition unit 13 takes in the card, and reads the registered vein image of the palm as the customer's biometric information from the card. Then, the read vein image of the palm is transmitted to the personal authentication unit 14.

  Subsequently, the automatic transaction apparatus 10 displays a screen prompting personal authentication as shown in FIG. 6 on the display unit 19 of the customer operation unit. Then, the customer follows the guidance and presents it to the image capturing unit 11 with his palm down and spread. Then, the image capturing unit 11 transmits the captured palm image to the image processing unit 12, and the image processing unit 12 transmits the processed palm vein image to the personal authentication unit 14. Then, the personal authentication unit 14 compares the palm vein image received from the image processing unit 12 with the palm vein image received from the card recognition unit 13 and performs personal authentication of the customer.

  Next, the automatic transaction apparatus 10 displays a withdrawal amount input screen as guidance for prompting input of the withdrawal amount as shown in FIG. 7 on the display unit 19 of the customer operation unit. Then, according to the guidance, the customer creates a hand sign as shown in FIG. 4 and presents it to the image capturing unit 11. Then, the image capturing unit 11 transmits the captured hand signature image to the image processing unit 12, and the image processing unit 12 transmits the processed hand signature image to the signature recognition unit 15. Then, the signature recognition unit 15 identifies money amount information from the received hand signature image, and transmits the money amount information to the control unit 18. In this way, when one amount information, that is, the first digit of the amount is recognized, the next amount information, that is, a hand sign indicating the next digit is requested to be presented. . Such an operation is repeated until a hand sign representing a “circle” is presented. For example, when the withdrawal amount is 20,000 yen, hand signs representing “2” and “ten thousand” are sequentially presented, and then a hand sign representing “yen” is presented.

  When the customer's hand sign representing “yen” is presented, the automatic transaction apparatus 10 displays a screen as shown in FIG. 8 on the display unit 19 and indicates the input withdrawal amount, Encourage customers to confirm. Subsequently, the customer presents a hand sign indicating confirmation or cancellation to the image capturing unit 11. For example, a hand sign representing “1” is presented for confirmation, and a hand sign representing “2” is presented for cancellation.

  Subsequently, the control unit 18 determines whether or not the continuation of the process is confirmed based on the presented hand sign. And when the sign of the hand shown shows cancellation, it judges that continuation of processing is not checked and displays a transaction selection screen. If the presented hand sign indicates confirmation, it is determined that the continuation of processing has been confirmed, and the control unit 18 communicates with the host computer, and the withdrawal amount indicated by the hand sign. To the balance of the customer's account. Further, the personal authentication unit 14 transmits the result of collation between the customer biometric information received from the card recognition unit 13 and the palm vein image received from the image processing unit 12 to the control unit 18.

  Subsequently, the control unit 18 determines whether or not there is a problem with the customer and the amount based on the result of the comparison between the withdrawal amount and the account balance and the comparison between the biometric information and the vein image of the palm. And whether the withdrawal amount is equal to or smaller than the balance of the account is determined. And if there is a problem with the customer or the amount, that is, if the customer's identity has not been confirmed or if the withdrawal amount is greater than the balance of the account, the withdrawal transaction cannot be performed, so the card recognition The unit 13 returns the card from the card slot and ends the transaction.

  When there is no problem with the customer and the amount of money, that is, when the identity of the customer is confirmed and the withdrawal amount is less than or equal to the balance of the account, the bill deposit / withdrawal unit 17 counts the bills, and the withdrawal amount The banknotes from the banknote receiving slot. Then, the card recognition unit 13 returns the card and issues a statement slip, and discharges the card and statement slip from the card slot. The banknote deposit / withdrawal unit 17 determines whether or not the banknote has been extracted by the customer, and when it is confirmed that the banknote has been extracted, closes the shutter of the banknote receiving port. Thereby, all the processes are completed.

Next, a flowchart will be described.
Step S21: A transaction selection screen is displayed.
Step S22 Present a hand sign.
Step S23: It is determined whether or not a withdrawal transaction is selected. When the withdrawal transaction is selected, the process proceeds to step S24, and when the withdrawal transaction is not selected, the process proceeds to step S36.
Step S24: Take in the card.
Step S25 Personal authentication is performed.
Step S26 Present a hand sign.
Step S27: It is determined whether or not a “yen” sign has been presented. When the “yen” sign is presented, the process proceeds to step S28, and when the “yen” sign is not presented, the process returns to step S26.
Step S28: It is determined whether or not the continuation of the process has been confirmed. If the continuation of the process is confirmed, the process proceeds to step S29. If the continuation of the process is not confirmed, the process returns to step S21.
Step S29: Communicate with the host computer.
Step S30: It is determined whether or not there is a problem with the customer and the amount. If there is a problem with the customer and the amount, the process proceeds to step S31, and if there is no problem with the customer and the amount, the process proceeds to step S32.
Step S31: The card is returned and the process is terminated.
Step S32 Count bills.
Step S33 The card is returned and a statement slip is issued.
Step S34: It is determined whether or not the banknote has been removed. If the banknote has been extracted, the process proceeds to step S35. If the banknote has not been extracted, the process stands by.
Step S35: The shutter is closed and the process is terminated.
Step S36 Execute another transaction process and end the process.

  As described above, in the present embodiment, the selection, confirmation, or cancellation of processing such as depositing and dispensing can be input with a hand sign without operating the touch panel, thereby reducing hardware costs. Can be reduced.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operations and effects as those of the first and second embodiments is also omitted.

  In the present embodiment, a cover is provided on the image capturing unit 11 so that the sign of the customer's hand cannot be seen from the outside. The display unit 19 includes display means having a narrow viewing angle, such as a liquid crystal display having a narrow viewing angle. As a result, the contents displayed on the display unit 19 cannot be seen by anyone other than the customer. The configuration of other points is the same as that of the first and second embodiments, and the description thereof is omitted.

  The operation of the automatic transaction apparatus 10 having the above-described configuration is the same as that in the first and second embodiments, and a description thereof will be omitted.

  In this way, in this embodiment, since the customer's operation and operation contents cannot be seen from the outside, the operation information is not seen by a voyeur camera or the like. Therefore, security can be improved.

  In the first to third embodiments, the example in which the present invention is applied to the automatic transaction apparatus 10 has been described. However, the present invention can also be applied to a vending machine that performs payment by personal authentication using biometric information. .

  In the first to third embodiments, examples of personal authentication using a vein image as biometric information have been described. However, a hand vein image and a fingerprint can be used together as biometric information.

  Furthermore, in the second embodiment, the withdrawal transaction process has been described. However, the present invention can be applied to a deposit transaction process, a balance inquiry, a transfer process, a transfer process, a passbook entry process, and the like.

  In the second embodiment, only the image capturing unit 11 is used as the input device. However, the input device can be used in combination with an input device such as a touch panel.

  Furthermore, the present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a block diagram which shows the structure of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the signature of the hand which a customer shows to the image capture part in the 1st Embodiment of this invention. It is a flowchart which shows the payment transaction processing of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the signature of the hand which a customer shows to the image capture part in the 2nd Embodiment of this invention. It is a figure which shows the example of the transaction selection screen displayed on the display part in the 2nd Embodiment of this invention. It is a figure which shows the example of the screen which promotes the personal authentication displayed on the display part in the 2nd Embodiment of this invention. It is a figure which shows the example of the screen which prompts the input of the money amount displayed on the display part in the 2nd Embodiment of this invention. It is a figure which shows the example of the screen which promotes the confirmation displayed on the display part in the 2nd Embodiment of this invention. It is a flowchart which shows the payment transaction process in the 2nd Embodiment of this invention.

Explanation of symbols

10 automatic transaction apparatus 11 image capturing unit 12 image processing unit

Claims (3)

(A) an image capturing unit for acquiring an image of a customer's hand;
(B) an image processing unit that separates the hand image acquired by the image capturing unit into biometric information and hand pattern information;
(C) A transaction processing apparatus that performs personal authentication and transaction processing simultaneously using the biometric information and hand pattern information. (A) having an image capturing unit for acquiring an image of a customer's hand;
(B) sequentially acquiring biometric information and hand pattern information from the hand image, performing personal authentication using the acquired biometric information, and selecting transaction processing using the acquired hand pattern information. Transaction processing device. (A) an image capturing unit for acquiring an image of a customer's hand;
(B) having a cover provided in the image capturing unit;
(C) A transaction processing apparatus characterized by preventing visual recognition from the outside of a customer's hand presented to the image capturing unit by the cover.

Images