JP2008165470A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent biological information from being acquired against the intention of a customer even in the transaction which the customer previously registering the biological information performs. <P>SOLUTION: A card reader part reads biometric authentication propriety information indicating the propriety of biometric authentication, recorded in a card, and the biological information. When the biometric authentication propriety information indicates the permission of the biometric authentication, a biometric authentication permission confirming picture for allowing the customer to select the permission or rejection of the biometric authentication is displayed and also the selecting operation is received. When a customer operation display part receives an operation for permitting the biometric authentication, a biological information reading part reads the biological information of the customer. Identity verification is performed by the biometric authentication for collating the biological information with the biological information read from the card by the card reader part. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that is installed in a financial institution such as a bank and accepts customer operations to perform various transactions, and more particularly to an automatic transaction apparatus that performs identity verification using a personal identification number or biometric information.

  When performing a transaction such as payment of cash, the conventional automatic transaction apparatus replaces or adds to the identity verification performed by comparing the PIN registered in advance with the financial institution and the PIN entered by the customer's operation, Further, in order to improve safety, the registered biometric information and the biometric information of the customer read by the biometric information reader are collated to confirm the identity. This biometric information is the retina (for example, see Patent Document 1), voiceprint, iris (for example, see Patent Document 2), other fingerprints, finger and palm vein patterns, etc. A third-party fraudulent act such as stealing a personal identification number or impersonating the person by reading the customer's biometric information with a biometric information reader such as a sensor near the screen and verifying the identity using the biometric information Is prevented and safety is improved (for example, see Patent Document 3).

In this way, it is possible to conduct higher-priced transactions in transactions that can ensure safety by performing identity verification using biometric information, while dealing with transactions that use personal identification numbers that do not use biometric information. The amount of money that can be handled is limited to a predetermined amount.
In addition, the camera which acquires biometric information, such as a customer's retina and an iris, is what was provided in the inside divided by the half mirror which cannot be visually recognized from the outside on the front of an automatic transaction apparatus, or a visible light cut board, or the shutter of a banknote deposit / withdrawal slot. In some cases, the inside of the customer or banknote deposit / withdrawal port is photographed (see, for example, Patent Document 4).
Japanese Utility Model Application Publication No. 3-101911 (FIG. 1) Patent Application Publication No. Hei 5-18147 (2 pages, Fig. 1) JP-A-9-198510 (paragraphs “0014” to “0021”, FIG. 1) JP 2006-58939 A (paragraph “0035” to paragraph “0038”, FIG. 11)

  However, in the conventional technology described above, a customer who makes a transaction with an automatic transaction apparatus has a distrust that the acquired biometric information may be used for other purposes as personal information for identifying an individual. There is a problem that it ends up. In particular, the customer may not know that the camera that reads the biometric information provided in the automatic transaction apparatus is operating, and may feel that the biometric information is obtained without permission and the privacy is being violated. There's a problem.

In addition, since a biometric information is always required for a transaction performed by a customer who has registered biometric information even if the transaction is a small transaction, the customer cannot select identity verification using a personal identification number that does not use biometric information. There is also a problem that it is not possible to avoid as much information acquisition as possible.
Furthermore, when using an automatic transaction apparatus of a partner financial institution other than a financial institution that has registered biometric information in advance, there is also a problem that there is no means for refusing that a customer obtains biometric information.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention reads biometric authentication availability information indicating whether biometric authentication is possible or not from an inserted card and confirms that the customer is the person himself / herself, and the biometric authentication availability information is biometric authentication. A card reader unit that reads biometric information recorded on the card if it indicates yes, and a biometric authentication permission confirmation screen that allows the customer to select biometric authentication permission or disapproval if the biometric authentication permission information indicates biometric authentication A customer operation display unit that displays and accepts the selection operation; and a biometric information reading unit that reads the biometric information of the customer when the customer operation display unit accepts an operation that permits biometric authentication. The biometric information that is read by the card reader and the biometric information that is read from the card by the card reader unit is used to perform identity verification by biometric authentication. .

The present invention as described above can prevent the biometric information from being obtained without permission even if the customer has previously registered the biometric information, and privacy is violated for the customer who uses the automatic transaction apparatus. It is possible to obtain the effect that it is possible to avoid the acquisition of biological information.
Moreover, the effect that the means which refuses that biometric information is acquired to the customer who does not want to acquire biometric information can be provided is acquired.

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

First, the first embodiment will be described.
FIG. 2 is a block diagram showing the configuration of the automatic transaction apparatus in the first embodiment.
In FIG. 2, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a store of a financial institution such as a bank or a store such as a convenience store. This automatic transaction apparatus 1 is communicably connected to a communication line 2 such as a dedicated line, and has account information such as a branch number of an account opened by a customer at a financial institution, an account subject, an account number, and biometric authentication availability information described later. Accepts the insertion of a card with a magnetic stripe or IC chip recorded, and conducts transactions such as cash withdrawal, cash deposit transactions and transfer transactions.

The automatic transaction apparatus 1 is connected to a host computer (not shown) via a communication line 2 so as to be able to communicate with each other. The automatic transaction apparatus 1 exchanges transaction messages such as cash withdrawal, cash deposit, and transfer with the host computer. It is determined whether or not to establish a transaction, and the transaction is processed.
Reference numeral 11 denotes a customer operation display unit, which includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 has a touch panel arranged on a display unit such as a CRT display or a liquid crystal display, and the customer performs an input operation, etc. Also, the customer input for the transaction selection screen and the transaction selected by the customer A screen for guiding operations and the like, input information, and the like are displayed.

  A card reader unit 12 has a card read / write mechanism. The card reader unit 12 can read account information such as an account number, pre-registered customer biometric information, and the like from a magnetic stripe or IC chip of a cash card inserted by a customer into a card insertion slot. The cash card from which the account information is read can be discharged from the card discharge port and returned to the customer.

  Reference numeral 13 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine. The deposit / withdrawal unit 13 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing means that the banknotes that the customer has put in the banknote deposit / withdrawal slot are counted by the banknote deposit / withdrawal machine and stored in the safe, and the coins that have entered the coin deposit / withdrawal slot are counted by the coin deposit / withdrawal machine and stored in the safe. It is to store. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are fed out from the banknote depositing and dispensing machine and coin depositing and dispensing machine safes, respectively, and transported to the banknote depositing and dispensing slot and coin depositing and dispensing slot. To pay to customers.

In addition, the structure which is not equipped with a coin depositing and dispensing machine may be sufficient.
A biometric information reading unit 14 reads a so-called digital camera (hereinafter referred to as “camera”) equipped with a CCD (Charge Coupled Devices) for acquiring an image of a customer's iris or the like, a fingerprint, and a finger vein pattern. It is comprised by the finger scan sensor for. The biometric information reading unit 14 acquires biometric information such as a customer's iris, fingerprint, and finger vein pattern by a camera or a finger scan sensor.

Reference numeral 15 denotes a proximity sensor unit, which is composed of an ultrasonic sensor or the like. The proximity sensor unit 15 detects a customer approaching the automatic transaction apparatus 1.
Reference numeral 16 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk, or the like, can store information, and can read the stored information. The storage unit 16 stores a control program (software) for controlling the operation of the entire automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.

  Reference numeral 17 denotes a control unit, which is composed of arithmetic and control means such as a CPU (Central Processing Unit) and an MPU (Micro Processing Unit). This control unit 17 is connected to the host computer or product database server 2 via the customer operation display unit 11, card reader unit 12, deposit / withdrawal unit 13, biometric information reading unit 14, proximity sensor unit 15, storage unit 16, and communication line 2. The operation of the automatic transaction apparatus 1 as a whole including a communication unit (not shown) that communicates with the control unit etc. is controlled based on a control program (software) stored in the storage unit 16.

In addition, the control unit 17 can confirm that the customer is the person by collating the biometric information of the customer read by the biometric information reading unit 14 with the biometric information read from the inserted card.
FIG. 3 is an explanatory diagram showing a configuration of an automatic transaction apparatus equipped with a camera in the first embodiment, and FIG. 4 is an explanatory diagram showing a configuration of an automatic transaction apparatus equipped with a finger scan sensor in the first embodiment.

In FIG. 3, reference numeral 141 denotes the above-described camera, which is arranged toward the customer 3 inside the front surface of the automatic transaction apparatus 1 so as to photograph the iris of the customer 3 who operates the automatic transaction apparatus 1. The camera 141 also has a function of photographing a customer who operates the automatic transaction apparatus 1 as a so-called security camera.
Reference numeral 142 denotes a blindfold plate, which is composed of a half mirror, a visible light cut filter, or the like, and is provided on the front surface of the automatic transaction apparatus 1 so as to cover the camera 141 disposed inside the automatic transaction apparatus 1. With this blindfold plate 142, the customer 3 cannot visually recognize the camera 141, and the camera 141 can acquire image information of the iris of the customer who operates the automatic transaction apparatus 1.

In FIG. 4, reference numeral 143 denotes a finger scan sensor, which is arranged in the vicinity of the customer operation display unit 11 provided on the front surface of the automatic transaction apparatus 1 and acquires image information such as the fingerprint of the customer 3 and the vein pattern of the finger. It is something that can be done. The finger scan sensor 143 obtains image information such as the fingerprint of the customer 3 and the vein pattern of the finger.
The camera 141 and the finger scan sensor 143 are controlled by the biological information reading unit 14 described above, and the biological information of the customer 3 is acquired by the control of the biological information reading unit 14 in response to an instruction from the control unit 17. .

The operation of the above configuration will be described.
FIG. 1 is a flow chart of transactions in the first embodiment, which will be described according to steps represented by S in the figure.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).

S1a: The proximity sensor unit 15 waits for the customer to approach in accordance with an instruction from the control unit 17 of the automatic transaction apparatus 1.
S2a: When the proximity sensor unit 15 of the automatic transaction apparatus 1 detects the approach of the customer, the customer operation display unit 11 displays a normal transaction selection screen according to an instruction from the control unit 17. Note that the camera 141 may be a security camera and may start photographing the customer.

This transaction selection screen is composed of words such as “Please come. Please select a transaction.” And transaction selection buttons such as “Drawer”, “Transfer”, “Deposit”, “Balance inquiry”, etc. It is a thing.
S3a: When the transaction selection screen is displayed, the customer operation display unit 11 waits for one of the transaction selection buttons to be pressed, and the customer selects a transaction selection button corresponding to the desired transaction, for example, a “drawer” button. Shall be pressed.

S4a: When the customer operation display unit 11 detects that the transaction selection button such as “withdrawal” has been pressed, the customer operation display unit 11 displays a card insertion guidance screen prompting the customer to insert a card according to an instruction from the control unit 17.
S5a: The card reader unit 12 waits for the card insertion, and the customer inserts the card possessed from the card insertion outlet of the card reader unit 12 according to the card insertion guidance screen.

  S6a: The card reader unit 12 reads account information such as an account number from the magnetic stripe or IC chip of the inserted card according to an instruction from the control unit 17. This account information includes biometric authentication availability information indicating whether or not the customer's biometric information is registered, that is, whether or not identity verification using biometric information (hereinafter referred to as “biometric authentication”) can be performed. Based on the information, the control unit 17 determines whether to perform biometric authentication or to perform identity verification using a PIN (Personal Identification Number).

Here, if the biometric authentication permission / inhibition information is information indicating that biometric authentication is possible, the process proceeds to S9a on the assumption that biometric authentication is performed, while the information indicating that biometric authentication is not possible. In this case, the process proceeds to S7a on the assumption that the identity is confirmed by the PIN.
If the biometric authentication information is information indicating that biometric authentication is possible, the card reader unit 12 uses the IC chip of the inserted card to register customer biometric information (iris, fingerprints, finger It is assumed that the image information such as vein patterns is read and the control unit 17 stores the biological information in the storage unit 16.

  S7a: When it is determined that biometric authentication is not possible, the customer operation display unit 11 displays a PIN input screen for accepting the customer's PIN input according to an instruction from the control unit 17 in order to perform identity verification using the PIN. On the PIN input screen, operation buttons including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 11 displays the PIN input screen, the customer presses the displayed operation button and inputs the PIN.

When the customer inputs the PIN, the control unit 17 transmits the PIN to the host computer (not shown) together with the account information read from the card via the communication line 2.
The host computer searches a customer database (not shown) based on the received account information such as the account number of the customer, extracts the PIN, and compares the PIN with the PIN received from the automatic transaction apparatus 1 to determine whether or not they match. Verification, that is, identity verification by PIN. The host computer transmits the result to the automatic transaction apparatus 1 via the communication unit.

S8a: It is assumed that the control unit 17 of the automatic transaction apparatus 1 performs a transaction that does not exceed a predetermined amount, that is, a low-value transaction when the identity can be confirmed by the PIN.
S9a: On the other hand, if it is determined in S6a that biometric authentication is possible, the customer operation display unit 11 displays a biometric authentication permission confirmation screen 50 shown in FIG. The biometric authentication permission confirmation screen 50 includes a phrase such as “Are you sure you want to perform biometric authentication?”, “Yes” operation button 51 for permitting biometric authentication, and “No” operation for not permitting biometric authentication. It consists of buttons 52 and the like.

S10a: When the customer operation display unit 11 detects that the “No” operation button 52 has been pressed by the customer's operation, the card reader unit 12 returns the inserted card in accordance with an instruction from the control unit 17 and ends the transaction.
S11a: On the other hand, when the customer operation display unit 11 detects that the “Yes” operation button 51 is pressed, the customer operation display unit 11 instructs the customer to input biometric information according to an instruction from the control unit 17. Is displayed.

This biometric information input instruction screen is used, for example, to obtain image information of the customer's iris, such as “Please turn to the front”, customer's fingerprint, finger finger vein pattern, etc. It is composed of words such as “Please hold the hand) on the reader”.
In response to an instruction from the control unit 17, the biometric information acquisition unit 14 acquires the biometric information of the customer using the camera 141 or the finger scan sensor 143, and the control unit 17 stores the biometric information in the storage unit 16.

S12a: When the biometric information is stored in the storage unit 16, the control unit 17 collates the biometric information with the biometric information stored in the storage unit 16 in S6a and confirms the identity (biometric authentication).
S13a: As a result of performing biometric authentication, if it is confirmed that the customer is the person, the control unit 17 enables a transaction (a high-priced transaction) with an amount exceeding a predetermined amount that can be handled in the transaction performed in S8a.

In this way, the automatic transaction apparatus 1 accepts customer operations and performs transactions.
In this embodiment, the biometric information is acquired after accepting the customer's operation for permitting biometric authentication in S10a. However, in the case where the biometric information is an iris, the customer is requested in S1a to shorten the transaction time. The biometric information acquisition unit 14 may acquire the biometric information that is the image information of the customer's iris with the camera 141, and the control unit 17 may store the biometric information in the storage unit 16. . At this time, when an operation of a customer who does not permit biometric authentication is accepted in S <b> 10 a, the control unit 17 deletes the biometric information stored in the storage unit 16.

As described above, in the first embodiment, even if a customer has registered biometric information in advance, biometric authentication is performed when a customer operation permitting biometric authentication is accepted. Can obtain the effect that it is no longer necessary to obtain biometric information and feel that privacy has been violated.
Moreover, the effect that a customer can avoid that biometric information is acquired is acquired.

Next, a second embodiment will be described.

Since the configuration of the second embodiment is the same as that of the first embodiment, the same reference numerals are given and description thereof is omitted.
The operation of the second embodiment will be described.
FIG. 6 is a flow chart of transactions in the second embodiment, which will be described in accordance with steps represented by S in the figure.

S1b to S8b: Since they are the same as S1a to S8a in FIG.
S9b: On the other hand, when it is determined in S6b that biometric authentication is impossible, the customer operation display unit 11 displays an authentication method selection screen 70 shown in FIG. This authentication method selection screen 70 is “Are you sure you want to perform biometric authentication? Please press“ Yes ”if you want to perform biometric authentication”. The “Yes” operation button 71 for selecting the identity confirmation by the “No”, the “No” operation button 72 for selecting the identity confirmation by the personal identification number, and the like.

S10b: When the customer operation display unit 11 detects that the “NO” operation button 72 has been pressed by the customer's operation, the process proceeds to S7b, where the identity is confirmed by the PIN, and the low price transaction is performed.
S11b: On the other hand, when the customer operation display unit 11 detects that the “Yes” operation button 71 is pressed, the customer operation display unit 11 instructs the customer to input biometric information according to an instruction from the control unit 17. Is displayed.

This biometric information input instruction screen is used, for example, to obtain image information of the customer's iris, such as “Please turn to the front”, customer's fingerprint, finger finger vein pattern, etc. It is composed of words such as “Please hold the hand) on the reader”.
In response to an instruction from the control unit 17, the biometric information acquisition unit 14 acquires the biometric information of the customer using the camera 141 or the finger scan sensor 143, and the control unit 17 stores the biometric information in the storage unit 16.

S12b and S13b: Since they are the same as S12a and S13a in FIG.
In this way, the automatic transaction apparatus 1 accepts the operation of the customer who selects the biometric authentication or PIN identification, and performs the transaction by performing the selected biometric authentication or PIN identification.

  In the present embodiment, the biometric information is acquired after accepting the customer's operation for permitting biometric authentication in S10b. However, in the case where the biometric information is an iris, the customer is requested in S1b to shorten the transaction time. The biometric information acquisition unit 14 may acquire the biometric information that is the image information of the customer's iris with the camera 141, and the control unit 17 may store the biometric information in the storage unit 16. . At this time, in the same manner as in the first embodiment, when the operation of the customer who does not permit biometric authentication is accepted in S10b, the control unit 17 deletes the biometric information stored in the storage unit 16.

Also, in this embodiment, two kinds of examples are shown such as a low-value transaction, biometric authentication, and a high-value transaction when the identity is confirmed by PIN, but the vein pattern of iris, fingerprint, finger and palm Various authentication methods such as the above may be installed, and the transaction amount may be limited according to the security level obtained by the combination.
Further, the limit of the transaction amount may be set by the customer or may be set by a financial institution.

Furthermore, in this embodiment, the transaction amount is limited according to the identity verification method, but the identity verification method may be specified according to the transaction amount.
As described above, in the second embodiment, in addition to the effects of the first embodiment, even if biometric authentication is not permitted, the identity verification by PIN is performed and a low price transaction is performed. The effect that the convenience of the customer is improved is obtained.

Next, a third embodiment will be described.

FIG. 8 is an explanatory diagram showing the configuration of an automatic transaction apparatus equipped with a camera shutter according to the third embodiment, and FIG. 9 is an explanatory diagram showing the configuration of an automatic transaction apparatus equipped with a finger scan sensor shutter according to the third embodiment. FIG.
Note that parts similar to those of the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.

  In FIG. 8, reference numeral 145 denotes a camera shutter, which is a shielding plate provided on the front surface of the automatic transaction apparatus 1 so as to cover (shield) the camera 141 disposed inside the automatic transaction apparatus 1. The camera shutter 145 is configured to be opened and closed by a driving means (not shown). For example, when the camera shutter 145 that covers and closes the camera 141 is lowered in the direction indicated by the arrow A in FIG. When the camera shutter 145 in the open state is raised, the closed state is established. The camera shutter 145 may be configured to be slidable left and right.

  In FIG. 9, reference numeral 146 denotes a finger scan sensor shutter, which is a shielding plate provided on the front surface of the automatic transaction apparatus 1 so as to cover the finger scan sensor 143 arranged in the vicinity of the customer operation display unit 11 of the automatic transaction apparatus 1. is there. The finger scan sensor shutter 146 is configured to be freely opened and closed by a driving means (not shown). For example, the finger scan sensor shutter 146 that covers and closes the finger scan sensor 143 is shown in FIG. The finger scan sensor 143 is exposed when it is slid in the partial direction, and the finger scan sensor 143 is exposed, and the finger scan sensor shutter 146 that is in the open state is slid toward the front.

It is assumed that the camera shutter 145 and the finger scan sensor shutter 146 configured to be freely opened and closed in this manner are controlled by the biological information reading unit 14.
In addition, as shown in FIG. 10, you may comprise so that both the shutter 145 for cameras mentioned above and the shutter 146 for finger scan sensors may be mounted.
The operation of the above configuration will be described.

FIG. 11 is a flow chart of transactions in the third embodiment, which will be described in accordance with steps represented by S in the figure.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).

First, it is assumed that the biological information reading unit shutter which is the camera shutter 145 and / or the finger scan sensor shutter 146 is in a closed state.
S1c to S8c: Since they are the same as S1a to S8a in FIG.
S9c: On the other hand, when it is determined in S6c that biometric authentication is impossible, the customer operation display unit 11 displays an authentication method selection screen 70 shown in FIG. This authentication method selection screen 70 is “Are you sure you want to perform biometric authentication? Please press“ Yes ”if you want to perform biometric authentication”. The “Yes” operation button 71 for selecting the identity confirmation by the “No”, the “No” operation button 72 for selecting the identity confirmation by the personal identification number, and the like.

S10c: When the customer operation display unit 11 detects that the “NO” operation button 72 has been pressed by the customer's operation, the process proceeds to S7b, where the identity is confirmed by the PIN, and the low price transaction is performed.
S11c: On the other hand, when the customer operation display unit 11 detects that the “Yes” operation button 71 is pressed, the customer operation display unit 11 instructs the customer to input biometric information according to an instruction from the control unit 17. Is displayed.

This biometric information input instruction screen is used, for example, to obtain image information of the customer's iris, such as “Please turn to the front”, customer's fingerprint, finger finger vein pattern, etc. It is composed of words such as “Please hold the hand) on the reader”.
S12c: When the biometric information input instruction screen is displayed, the biometric information acquisition unit 14 opens the camera shutter 145 and / or the finger scan sensor shutter 146 (hereinafter referred to as “biological information reading unit shutter”) according to an instruction from the control unit 17. The camera 141 and / or finger scan sensor 143 (biological information reading unit) is exposed in a state.

S13c: When the biometric information reading unit shutter is opened, the biometric information acquisition unit 14 acquires the biometric information of the customer by the camera 141 or the finger scan sensor 143 according to an instruction from the control unit 17, and the control unit 17 stores the biometric information in the storage unit. 16 to memorize.
S12a: When the biometric information is stored in the storage unit 16, the control unit 17 performs biometric authentication that collates the biometric information with the biometric information stored in the storage unit 16 in S6c, and confirms the identity.

S14c: When the biometric authentication is completed, the biometric information acquisition unit 14 closes the biometric information reading unit shutter according to an instruction from the control unit 17.
S15c: As a result of performing biometric authentication, if it is confirmed that the customer is the customer, the control unit 17 enables a transaction (a high-priced transaction) with an amount exceeding the predetermined amount that can be handled in the transaction performed in S8c.
In this way, the automatic transaction apparatus 1 accepts customer operations and performs transactions.

As described above, in the third embodiment, in addition to the effects of the second embodiment, the shutter covering the unit that reads biometric information is opened only when biometric authentication is permitted by the customer's operation. By doing so, there is no risk that the customer can secretly obtain biometric information, and the automatic transaction apparatus can be used with peace of mind.
In addition, since the shutter of the unit that reads the biometric information is opened only when it is necessary to read the biometric information in the transaction, and the unit that reads the biometric information is covered with the shutter in other cases, injuries due to contact can be prevented. The effect of reducing the risk of damage to the unit as well as the risk is reduced.

  Furthermore, since the time for exposing the unit that reads biometric information is reduced, the chances of fouling are reduced, and since there are no protrusions, the automatic transaction apparatus can be easily cleaned.

Transaction flow chart in the first embodiment The block diagram which shows the structure of the automatic transaction apparatus in a 1st Example. Explanatory drawing which shows the structure of the automatic transaction apparatus carrying the camera in 1st Example. Explanatory drawing which shows the structure of the automatic transaction apparatus carrying the finger scan sensor in 1st Example. Explanatory drawing of the biometrics authentication permission confirmation screen in 1st Example Transaction flow chart in the second embodiment Explanatory drawing of the authentication method selection screen in 2nd Example Explanatory drawing which shows the structure of the automatic transaction apparatus carrying the shutter for cameras in a 3rd Example. Explanatory drawing which shows the structure of the automatic transaction apparatus carrying the shutter for finger scan sensors in a 3rd Example. Explanatory drawing which shows the structure of the automatic transaction apparatus carrying the shutter for cameras and the shutter for finger scan sensors in a 3rd Example. Flowchart of transaction for performing biometric authentication in the third embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Communication line 11 Customer operation display part 12 Card reader part 13 Deposit / withdrawal part 14 Biometric information reading part 141 Camera 142 Blindfold board 143 Finger scan sensor 145 Camera shutter 146 Hand scan sensor shutter 15 Proximity sensor part 16 Memory | storage Part 17 Control part

Claims (4)

In an automatic transaction device that confirms the identity of the customer and conducts the transaction,
A card reader unit that reads biometric authentication propriety information indicating whether biometric authentication is possible or not from the inserted card and reads the biometric information recorded on the card when the biometric authentication propriety information indicates biometric authentication;
When the biometric authentication permission / inhibition information indicates that biometric authentication is possible, a customer operation display unit that displays a biometric authentication permission confirmation screen that allows the customer to select permission or non-permission of biometric authentication, and accepts the selection operation;
A biometric information reading unit that reads the biometric information of the customer when the customer operation display unit accepts an operation permitting biometric authentication;
An automatic transaction apparatus characterized in that identity verification is performed by biometric authentication in which biometric information read by the biometric information reading unit and biometric information read from a card by the card reader unit are collated. In the automatic transaction apparatus of Claim 1,
When the customer operation display unit accepts an operation that does not permit biometric authentication, the customer operation display unit displays a password input screen for inputting a password and accepts the input of the password by the customer's operation An automatic transaction apparatus characterized in that the personal identification is performed by using the password. In the automatic transaction apparatus of Claim 2,
An automatic transaction apparatus characterized in that the upper limit of the transaction amount is limited to a predetermined amount when identity verification is performed using the entered password. In the automatic transaction apparatus according to claim 1, claim 2 or claim 3,
The biometric information reading unit is provided with an openable / closable shutter that shields a biometric information reading unit that is a camera or a sensor that acquires biometric information of a customer,
When the customer operation display unit accepts an operation permitting biometric authentication, the biometric information reading unit opens the shutter and exposes the biometric information reading unit to read the biometric information of the customer. Automatic transaction device.