JP2010282307A - Biometrics card issue system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the convenience of a user who registers own biological information in a biometrics correspondence IC card by registering the biological information by a terminal such as an ATM although it is necessary for the user to visit a store again after the IC card is delivered to the user principal, that is, to register own biological information in the biometrics IC card by the ATM without visiting a financial institute store for registration. <P>SOLUTION: A biometrics card issue system is configured to issue a temporary card in which biological information for principal confirmation is registered when newly issuing a biometrics correspondence card, and to, when the biometrics correspondence card is sent to a user from a financial institute, perform principal identification by a temporary card by the biometrics correspondence ATM, and to register biological information in a biometrics correspondence card, and to delate the biological information stored in the temporary card and the card is collected and reused. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention includes a card reader unit that reads an IC card in which a user's biometric information is registered in advance, a biometric information reader unit that reads biometric information, and a display unit that has a display screen. The present invention relates to a biometric information registration and authentication system that reads registered biometric information and performs biometric authentication on the read biometric information to perform personal authentication.

  In the financial industry, fraudulent transactions due to forgery of stamps and forgery of cards are a major problem. Accordingly, biometric authentication using biometric information that is unique to individuals is being recognized as a more accurate personal authentication means with less risk of forgery or theft. Furthermore, the user's biometric information is registered in the IC card and owned by the user, so that convenience and forgery resistance of the biometric information can be improved.

  The financial institution mails a cash card to confirm that the user who opened the account exists at the registered address. The same applies to IC cards, but in order to prevent leakage of biometric information, which is personal information, biometric information is registered on the IC card after the IC card has arrived at the user. . For this reason, it is necessary to visit the financial institution again.

Visiting stores many times is cumbersome for users, and if this can be done with a terminal such as an ATM, if the store can be registered even after the store is closed, the convenience of the user at the time of registration can be improved. Yes, financial institutions can eliminate the need for staff to respond. However, personal authentication for registration of biometric information that contributes to high security should be performed with security equivalent to or higher than biometric information.

Japanese Unexamined Patent Publication No. 2006-198420 JP 2008-307140 A JP 2006-195591 A

  In order to authenticate the identity of a person when registering biometric information in a new card as described in Patent Document 1, the biometric information acquired from the principal and stored in the server at the time of visiting the store is called to the terminal. Compare with the biometric information of the person read in. In this case, there is a possibility that important personal information may be leaked because biometric information, which is personal information, exists in a financial institution server and is sent via a network.

  In Patent Document 2, since the IC card is updated, in order to solve the above-described problem, personal authentication is performed by using an old card in which biometric information has been registered instead of a server. However, such a card does not exist and does not apply when registering a new one.

The subject of this invention is as follows. There is no need to go to a financial institution store again to confirm the identity of the person for the registration process of biometric information after the IC card is mailed when a new IC card that supports biometric authentication is issued. To be able to register at. Also, use temporary cards for this purpose effectively.

Means of the present invention are as follows. When a new IC card corresponding to biometric authentication is issued, the user's biometric information is registered in advance in a temporary card for identity verification used only for registration processing at a financial institution store and issued on the spot. When an IC card corresponding to biometric authentication is sent from a financial institution, the user goes to a biometric authentication ATM regardless of the opening and closing store of the financial institution, selects biometric information registration work, and authenticates the person using a temporary card. If the authentication is successful, the ATM registers the biometric information in the biometric authentication card. Moreover, if biometric information can be registered in a biometric authentication card, Japanese Patent Application Laid-Open No. 2006-195591 closes the old IC card and makes it unusable. However, since a temporary card is unnecessary, biometric information stored immediately Is deleted and collected in the collection box in the ATM. Temporary cards with deleted biometric information collected at ATMs are collected at the same time when banknotes are collected and delivered, and are distributed again to branch offices of financial institutions for reuse. Is also reduced.

In addition, it is customary for a plurality of users in the same account to have separate cash cards as family cards. However, for security reasons, it is necessary to use biometric authentication cards for family cards. Therefore, the family card is registered again with the same system. In this case, a temporary card is issued separately, and this card is sent and registered. However, the family also provides biometric information to the temporary card that is issued when the account holder requests a biometric card. When the holder registers the biometric information on the biometric authentication card using ATM, only the biometric information of the holder is deleted from the temporary card and used as a family card. Thereby, the user of the family card need only go to the bank for biometric information registration once. Moreover, it is not necessary for the bank to prepare an extra temporary card.

  According to the present invention, when a new IC card corresponding to biometric authentication is newly issued, there is no need to go to a financial institution store again, the convenience of the user is increased, and the labor and cost of the financial institution are reduced.

It is a block diagram which shows a biometrics authentication corresponding | compatible card issuing system.

  An embodiment of the present invention will be described below with reference to the drawings.

In the present embodiment, for example, ATM (Auto
The present invention relates to a financial transaction processing apparatus such as a mated Teller Machine, and a case where a biometric authentication card is issued using this. The case where a biometric card is issued at the same time as opening an account is shown below. In the following, the finger vein is taken as an example of the biological information, but various biological information such as a fingerprint, a palm vein, a face, and an iris can be similarly applied.

  FIG. 1 is a block diagram showing a biometric authentication card issuing system simultaneously with opening an account.

As shown in FIG. 1, the financial institution store 2 has an account contract terminal 21, a temporary card issuance management machine 22 connected to the account contract terminal 21, and a biometric information registration terminal 23, and an ATM corner 5 has a biometric authentication-compatible ATM 51. Yes. The temporary card includes a status of the biometric information unregistered temporary card 101, a status of the biometric information registered temporary card 102, and a status of the biometric information erased temporary card 103. There is a state of the registered biometric authentication compatible IC card 111 and a state of the biometric information registered biometric authentication compatible IC card 112.

In order to open a new account with a biometric card, user 1 applies by mail, Web, or visit to the financial institution store 2 in the same way as normal account opening. To do. In the financial institution store 2, in the same way as a normal account opening, after confirming the identity with an identification card or the like, the account contract terminal 21 registers various data, and designates biometric information ATM registration to open an account. Account opening data such as the name, address and account type of the user 1 is sent from the account contract terminal 21 to the financial institution center 3.

  The financial institution center 3 registers a new account, sends card information such as an account number and a delivery address to the card printing company 4, and sends information indicating that the card is a biometric authentication IC card.

  Based on the data sent from the financial institution center 3, the card printing company 4 creates a biometric-unregistered biometric authentication IC card 111 in which account identification information and the like are written, and mails it directly to the user by registered mail.

User 1 applies for opening an account at financial institution store 2 and then issues a temporary card.
In the financial institution store 2, the temporary card issuance management machine 22 issues a biometric information unregistered temporary card 101 in which the account identification information sent from the account contract terminal 21 is registered. The biometric information of the finger vein of the finger that the user 1 wants to use for authentication is read by the finger vein reading unit 24 of the biometric information registration terminal 23 and written to the temporary card 101 with no biometric information registered by the IC card reader / writer 25. Thus, the biometric information unregistered temporary card 101 becomes the biometric information registered temporary card 102. At this time, it is possible to write a plurality of fingers in consideration of an unexpected situation.

  In this way, the user 1 takes home the biometric information registered temporary card 102.

The user 1 has the biometric information registered temporary card 102 and the biometric information unregistered biometric authentication IC card 111 sent from the card printing company 4 at a later date and goes to the ATM corner 5. A
Biometric information registration is selected at the biometric authentication ATM 51 in the TM corner 5.

The biometric authentication ATM 51 prompts the user to insert a temporary card.
2 is inserted. Since the biometric authentication-compatible ATM 51 prompts the finger vein to be read, the user 1 causes the biometric authentication-compatible ATM 51 to read the biometric information of the target finger. The biometric authentication-compatible ATM 51 performs biometric authentication, and proceeds to the next step after authenticating the person. If it cannot be confirmed, the biometric authentication ATM 51 returns the biometric information registered temporary card 102 and ends the transaction.

If the personal authentication is successful, the biometric authentication ATM 51 prompts the user to insert the biometric information unregistered biometric authentication IC card 111. The biometric authentication ATM 51 corresponds to the biometric unregistered biometric authentication I.
If the C card 111 is inserted, if the account identification information read from the biometric information registered temporary card 102 matches the account identification information read from the biometric information unregistered biometric authentication IC card 111, the process proceeds. If they do not match, the biometric authentication-compatible ATM 51 discharges the biometric information registered temporary card 102 and the biometric information unregistered biometric authentication compatible IC card 111 and ends the transaction.

If the account identification information read from the biometric information registered temporary card 102 and the account identification information read from the biometric information unregistered biometric authentication IC card 111 match, the biometric authentication-compatible ATM 51 sends the information to the financial institution center 3. Inquires whether the account of the biometric information-unregistered biometric authentication IC card 111 is a biometric authentication account. If the account is a biometric authentication account, the process proceeds to the next step. If not, the biometric information registered temporary card 102 The biometric information-unregistered biometric authentication IC card 111 is discharged and the transaction is terminated.

If the account of the biometric authentication-unregistered biometric authentication IC card 111 is a biometric authentication-compatible account, the biometric authentication-compatible ATM 51 uses the biometric information registered temporary card 102 to authenticate the user 1 with the finger vein Information is written into the biometric authentication-compatible IC card 111. In this way, the biometric information unregistered biometric authentication IC card 111 becomes the biometric information registered biometric authentication IC card 112.

The biometric authentication-compatible ATM 51 informs the financial institution center 3 that biometric information has been registered in the biometric information-registered biometric authentication IC card 112, and the biometric information registered temporary card 102 and biometric information and account identification Erase and collect information. Thus, the biometric information registered temporary card 102 becomes the biometric information erased temporary card 103.

The biometric authentication ATM 51 ejects the biometric information registered biometric authentication IC card 112 and ends the transaction. In this way, the user 1 obtains the biometric authentication-registered IC card 112 of his / her own account without going to the financial institution store again.

The biometric information-erased temporary card 103 collected by the biometric authentication-compatible ATM 51 is collected at the time of collection and delivery of banknotes, journals, etc. of the biometric authentication-compatible ATM 51, and the financial institution store 2
And used again as the temporary card 101 with no biometric information registered.

As described above, even when a biometric authentication-compatible IC card is newly issued, biometric information can be registered where the biometric authentication-compatible ATM is operating without going to a financial institution store again.

1 ... User, 2 ... Financial institution store, 3 ... Financial institution center, 4 ... Card printing company, 5 ... ATM
Corner 21, account contract terminal 22, provisional card issue management machine 23, biometric information registration terminal 24, finger vein reading unit 25, IC card reader / writer 51, biometric authentication ATM 101,
Biometric information unregistered temporary card, 102 ... Biometric information registered temporary card, 103 ... Biometric information erased temporary card, 111 ... Biometric information unregistered biometric authentication compatible IC card, 112 ... Biometric information registered biometric authentication compatible IC card.

Claims (6)

  A biological reader registered in the IC card by the card reader unit, comprising: a card reader unit that reads an IC card in which a user's biological information is registered in advance; a biological information reader unit that reads biological information; and a display unit that has a display screen. In a biometric information registration and authentication system that reads information and performs biometric authentication on the read biometric information to perform personal authentication, if the IC card that has previously registered the biometric information of the user is possessed, the IC card The registered biometric information is read, biometric authentication is performed on the read biometric information, and the biometric information read by the reading unit is registered in an IC card in which the biometric information of the user is not registered , Biometric information registration system.   The biometric information registration system according to claim 1, wherein biometric information can be registered in an unattended environment without a staff member.   A card writer unit that writes biometric information to an IC card for which biometric information is not registered, a biometric information reading unit that reads biometric information of a user, and a display unit that has a display screen. The biometric information registration system of Claim 1 provided with the temporary card registration terminal which writes the biometric authentication in a person's biometric information into the said IC card by the said card writer part.   2. The biometric information registration and authentication system according to claim 1, further comprising a card writer that erases the biometric information of the IC card in which the biometric information is registered, and the biometric information of the IC card in which the biometric information is registered after the biometric authentication is completed. 4. The biometric information registration system according to claim 1, wherein the erased IC card is recovered and can be reused.   In the temporary card registration terminal of claim 3, biometric information of a plurality of persons is registered in an IC card, biometric authentication is performed by the biometric information registration authentication system of claim 1, and then biometric authentication is performed by the card writer unit of claim 3. The biometric information registration system according to any one of claims 1, 2, 3, and 4, wherein the biometric information is erased and the other is left so that the temporary card can be reused as a family card.   6. The biometric information registration system according to claim 1, wherein a plurality of biometric authentication cards that can be used without deleting biometrically authenticated biometric information are used.

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