JP2013120510A - Automatic transaction processing device and transaction processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction processing device which can perform transaction even when a private line used for connecting with a host device is disconnected or the host device goes down by failure due to occurrence of disaster such as an earthquake.SOLUTION: An ATM 1 selects an emergency mode when a first communication unit 18 cannot communicate with a host device 2 via a private line network 6. When the ATM 1 performs transaction processing while the emergency mode is selected, the ATM 1 transmits an identity verification request concerning a user to an identity verification device 3, and acquires an identity verification result from the identity verification device 3. When the verification result indicating successful identity verification is acquired, the ATM 1 performs the transaction processing.

Description

  The present invention relates to an automatic transaction processing apparatus such as an automatic teller machine (ATM) and a transaction processing system for processing a transaction according to a user's input operation.

  Conventionally, financial institutions have installed automatic transaction processing apparatuses such as an automatic teller machine (hereinafter referred to as ATM) in stores. ATM processes various transactions such as deposit transactions and withdrawal transactions in accordance with user input operations. When processing a transaction, the ATM makes an authentication request regarding whether or not the transaction is possible to the host device installed in the center, and processes a transaction for which the authentication result in the host device is acceptable. The ATM stops the transaction for the transaction whose authentication result in the host device is a transaction rejection (transaction impossible).

  For each opened account, the host device stores account management information necessary for managing the account, such as the name of the account opener, the address of the account opener, a personal identification number, a transaction history, and the current account balance. Yes. The host device uses the stored account management information to authenticate whether or not the transaction is requested by the ATM. In addition, the host device updates the account management information of the corresponding account based on the transaction (transaction processed by ATM) that has been authenticated as possible.

  Transactions that can be performed by ATM include types of transactions that require user confirmation in order to prevent unauthorized transactions by others who are not account openers (for example, deposit transactions, withdrawal transactions, balance inquiry transactions). In this type of transaction, a cash card (hereinafter simply referred to as a card) or passbook issued for each account established by a financial institution was used, but there is also a system that allows transactions without using a card or passbook. It has already been proposed (see Patent Documents 1 and 2).

  In Patent Document 1, if the host device confirms the identity by using personal information such as a personal identification number and address entered by the user at the reception customer terminal and the user's face photo, and the like, Issue a receipt number. The user can perform a transaction without using a card or the like by inputting the issued receipt number by ATM.

  Moreover, in patent document 2, the user presets the identification number different from a PIN code. When the user inputs an identification number at ATM, the host device confirms the corresponding account. When the ATM can confirm the account at the host device, the ATM processes the transaction without accepting a card or the like. It is what I did.

JP 2000-90329 A Japanese Patent No. 4088070

  However, an ATM cannot process a transaction unless it can communicate with a host device of a financial institution. Therefore, although not expected so far, if a dedicated line used for connection between ATM and the host device is disconnected or the host device goes down due to a failure due to a disaster such as an earthquake, the user I can't trade with ATM. That is, victims of disasters such as earthquakes cannot withdraw current funds from their accounts at ATMs. For this reason, the victims have not only anxiety about the magnitude of the disaster that occurred, but also anxiety about shortage of living funds.

  An object of the present invention is to enable automatic transactions even when a dedicated line used for connection with a host device is disconnected or a host device is down due to a failure due to a disaster such as an earthquake. A transaction processing apparatus and a transaction processing system are provided.

  The automatic transaction processing apparatus of the present invention is configured as follows in order to solve the above-mentioned problems and achieve the object.

  In this automatic transaction processing device, the first communication unit communicates with the host device, and the second communication unit communicates with the identity verification device. The automatic transaction processing device is connected to the host device via the first network, and is connected to the identity verification device via the second network. The first network is, for example, a dedicated line network. The second network is, for example, a mobile phone network.

  For each opened account, the host device stores account management information necessary for managing the account, such as the name of the account opener, the address of the account opener, a personal identification number, a transaction history, and the current account balance. Yes. The host device authenticates whether or not the transaction is requested by the automatic transaction processing device. The personal identification device stores personal identification information used for personal identification. This personal identification information is, for example, a contact telephone number and a personal identification number. The identity verification device confirms the identity of the person (user) who requested the identity verification from the automatic transaction processing device.

  The mode selection unit selects one of the normal mode and the emergency mode as the transaction mode. For example, when the mode selection unit detects that the first communication unit cannot communicate with the host device, that is, the host device cannot be connected due to disconnection of the first network, or the host device is down due to a failure. When in state, select emergency mode.

  In the automatic transaction processing device, when the mode selection unit selects the normal mode, the authentication request unit communicates with the host device in the first communication unit, and whether or not the transaction is possible based on the input transaction data. Is sent to the host device, and an authentication result is obtained from the host device. Further, the automatic transaction processing device is configured such that when the mode selection unit selects the emergency mode, the identity verification request unit communicates with the identity verification device in the second communication unit and includes the entered identity verification data. A confirmation request is transmitted to the identity verification device, and an identity verification result as to whether or not the identity verification has been performed is obtained from the identity verification device.

  When the automatic transaction processing device obtains an authentication result that the authentication request unit permits the transaction from the host device, or when the identity confirmation request obtains the confirmation result that the identity confirmation device can confirm the identity, The transaction processing unit processes the transaction.

  As described above, when the mode selection unit selects the emergency mode, the transaction processing unit processes the transaction without obtaining an authentication result regarding whether the transaction is possible from the host device. Therefore, even if the first network used for connection with the host device is disconnected or the host device is down due to a failure due to a disaster such as an earthquake, the mode selection unit is in an emergency. Transactions can be made by selecting a mode. As a result, it is possible to relieve the anxiety of shortage of current living funds, which is felt by disaster victims such as earthquakes.

  Further, in order to suppress a decrease in transaction security in the emergency mode, it is preferable that the user's face is imaged by the imaging unit when the mode selection unit selects the emergency mode.

  Further, the transaction in the emergency mode may be limited to a withdrawal transaction of a predetermined amount (for example, 100,000 yen).

  According to the present invention, a transaction can be performed even when a dedicated line used for connection with a host device is disconnected or a host device is down due to a failure due to a disaster such as an earthquake.

It is the schematic which shows a transaction processing system. It is the schematic which shows the external appearance of ATM. It is a block diagram which shows the structure of the principal part of ATM. It is a block diagram which shows the structure of the principal part of a host apparatus. It is a block diagram which shows the structure of the principal part of a principal confirmation apparatus. It is a flowchart which shows the mode selection process of ATM. It is a flowchart which shows the transaction processing of ATM in normal mode. It is a flowchart which shows the transaction process of ATM in emergency mode. It is a figure which shows the example of a display screen of ATM. It is a figure which shows the example of a display screen of ATM. It is a flowchart which shows operation | movement of a principal confirmation apparatus.

  Hereinafter, a transaction processing system according to an embodiment of the present invention will be described.

  FIG. 1 is a schematic diagram showing a transaction processing system according to an embodiment of the present invention. This transaction processing system includes an automatic teller machine 1 (hereinafter referred to as ATM 1), a host device 2, and an identity verification device 3.

  ATM1 is installed in a store of a financial institution or a convenience store. ATM1 processes various transactions, such as a deposit transaction and a withdrawal transaction, according to a user's input operation.

  The host device 2 is installed at the center of a financial institution. For each account established by a financial institution, the host device 2 stores and manages personal information such as the name and address of the account holder, account management information including the account balance, transaction history, and the like.

  The identity verification device 3 is installed in an identity verification center provided separately from the center of the financial institution where the host device 2 is installed. The personal identification device 3 stores and manages personal identification information used for personal identification. The identity verification information may be any information as long as it can be verified. Here, a description will be given using an example in which the contact phone number and the emergency password are used as identification information.

  The ATM 1 is communicably connected to the host device 2 via the dedicated line network 6. The ATM 1 is communicably connected to the identity verification device 3 via the mobile phone network 7. Although not shown, the host device 2 and the identity verification device 3 are communicably connected via a network such as a public line network or a dedicated line network 6.

  FIG. 2 is a schematic diagram showing the appearance of the ATM, and FIG. 3 is a diagram showing the configuration of the main part of the ATM. The ATM 1 includes a main control unit 10, a display / operation unit 11, a banknote processing unit 12, a coin processing unit 13, a card / detail processing unit 14, a passbook processing unit 15, a biological information reading unit 16, An imaging unit 17, a first communication unit 18, and a second communication unit 19 are provided.

  The main control unit 10 controls the operation of each part of the ATM1 main body and processes the transaction requested by the user.

  The display / operation unit 11 includes a display 11a provided on the front surface of the main body, a touch panel 11b attached on the screen of the display 11a, and the like. The display / operation unit 11 displays an operation guidance screen for the user on the display 11a. Further, the display / operation unit 11 detects a user's input operation relating to a password or transaction contents (transaction type, deposit / withdrawal amount, etc.) by detecting a pressed position of the touch panel 11b.

  The banknote processing unit 12 processes the deposit / withdrawal banknote. A banknote deposit / withdrawal port 12a for accommodating deposit / withdrawal banknotes is provided on the front face of the main body. The bill deposit / withdrawal port 12a is provided with a shutter. Moreover, the banknote depositing / withdrawing port 12a is provided with the partition plate which distinguishes the storing place of a deposited banknote, a withdrawal banknote, and a return banknote. The banknote processing unit 12 restricts the insertion and removal of banknotes from the banknote deposit / withdrawal port 12a by opening and closing the shutter. Moreover, the banknote process part 12 conveys a banknote along the banknote conveyance path provided in ATM1 main body inside. The banknote conveyance path connects the money type cartridge, the recovery cartridge, the primary storage unit, and the banknote deposit / withdrawal port 12a provided in the ATM1 main body. Moreover, in the middle of a banknote conveyance path, it has the banknote identification part (not shown) which identifies the money type and authenticity of the banknote for every banknote currently conveyed. A banknote identification part identifies a money type and authenticity based on the optical pattern read from the banknote, the magnetic pattern, or the like.

  The coin processing unit 13 conveys coins along a coin conveyance path formed between a coin deposit / withdrawal port 13a provided on the front surface of the main body and a coin cartridge housed inside the main body. Moreover, the coin process part 13 has a coin identification part which identifies a money type and authenticity for every coin currently conveyed along a coin conveyance path.

  The card / detail processing unit 14 takes in a cash card (hereinafter simply referred to as a card) inserted into a card insertion slot 14a provided on the front of the main body, and stores card information (financial information) recorded in the magnetic stripe of the card. Read institution number, store number, account number, etc.) and rewrite card information. If the inserted card is an IC card, the data recorded on the IC chip of the card is read or rewritten as necessary. The IC chip stores biometric information (registered information) of the user who is the owner of the card. Further, the card / detail processing unit 14 has a printing unit (not shown) for printing transaction contents on a form. The card / detail processing unit 14 discharges a form on which transaction contents are printed to a specification release port 14b provided on the front surface of the main body.

  The bankbook processing unit 15 has a printing unit (not shown) that takes in a bankbook inserted into a bankbook insertion port 15a provided on the front of the main body and prints a transaction history with respect to the bankbook. In addition, the passbook processing unit 15 is recorded on a page turning mechanism for turning over the page of the imported passbook, a bar code reader for reading a bar code indicating a page number printed on the passbook, and a magnetic stripe attached to the passbook. It also has a magnetic head or the like that reads the current passbook information (such as financial institution number, store number, account number).

  The biological information reading unit 16 includes a biological information reading sensor 16a provided on the front surface of the main body. This biological information reading sensor 16a reads the finger vein pattern of the user. Here, as the biometric information reading sensor 16a, a sensor that reads a finger vein pattern is taken as an example. However, it may be a sensor that reads other types of biometric information such as palm veins, irises, and retinas. The biometric information reading unit 16 collates the biometric information (read information) of the user read by the biometric information reading sensor 16a with the biometric information (registered information) recorded on the IC chip of the card, and the degree of similarity. To authenticate whether the user and the cardholder are the same person.

  The imaging unit 17 images the user's face.

  The first communication unit 18 controls communication with the host device 2 connected via the leased line network 6.

  The second communication unit 19 controls communication with the identity verification device 3 connected via the mobile phone network 7.

  FIG. 4 is a block diagram illustrating a configuration of a main part of the host device. The host device 2 includes a control unit 21, a communication unit 22, and a storage unit 23.

  The control unit 21 controls each part of the host device 2 main body. The communication unit 22 controls communication with the ATM 1 connected via the leased line network 6. The storage unit 23 stores, for each account opened by the financial institution, personal information such as the name and address of the account holder, account management information including the balance of the account, transaction history, and the like.

  When the host device 2 receives the transaction authentication request from the ATM 1, the host device 2 authenticates whether or not the transaction is possible using the account management information of the corresponding account. Further, the host device 2 updates the account management information (account balance, transaction history, etc.) of the corresponding account based on the transaction (transaction processed by ATM1) that has been authenticated as possible.

  FIG. 5 is a block diagram showing a configuration of a main part of the identity verification device. The identity verification device 3 includes a control unit 31, a communication unit 32, and a storage unit 33.

  The control unit 31 controls each part of the main body of the identity verification device 3. The communication unit 32 controls communication with the ATM 1 connected via the mobile phone network 7. The storage unit 33 stores, in association with each account opened by the financial institution, identity verification information used for simple identity verification for the account holder and a history of transactions processed in an emergency mode described later.

  The identity verification information is information provided from a financial institution, and here, it is assumed to be a contact telephone number presented by the account opener to the financial institution and an emergency PIN. The contact telephone number may be a fixed telephone or a mobile phone. In addition, the emergency password may be a password used in normal transactions, or may be a password that is presented separately.

  When the identity verification device 3 receives the identity verification request from the ATM 1, the identity verification device 3 performs identity verification using the identity verification information stored in the storage unit 33.

  ATM1 selects either the normal mode or the emergency mode and processes the transaction. When the ATM 1 selects the normal mode, when processing the transaction, the ATM 1 transmits an authentication request about whether or not the transaction is possible to the host device 2 and obtains an authentication result from the host device 2. Further, when the ATM 1 selects the emergency mode, when processing the transaction, the ATM 1 transmits a personal identification request about the user to the personal verification device 3 and obtains a personal verification result from the personal verification device 3.

  The normal mode requires a medium such as a card or passbook when processing a transaction. On the other hand, the emergency mode does not require a medium such as a card or passbook when processing a transaction. In the normal mode, various transactions such as deposit transactions, withdrawal transactions, balance inquiry transactions, and transfer transactions can be performed. However, in the emergency mode, only withdrawal transactions of a predetermined amount (for example, 100,000 yen) can be performed. Yes. In the emergency mode, there are restrictions on the number of transactions, transaction intervals, and the like.

  Hereinafter, the operation of this transaction processing system will be described.

  FIG. 6 is a flowchart showing ATM mode selection processing. The ATM 1 selects the normal mode (s1), and monitors whether the first communication unit 18 can communicate with the host device 2 via the private line network 6 (s2). If the ATM 1 determines in s2 that the first communication unit 18 cannot communicate with the host device 2 via the leased line network 6, the emergency mode is selected (s3), and the process is terminated. .

  As described above, the ATM 1 continues to select the normal mode while the first communication unit 18 continues to communicate with the host device 2 via the private line network 6. Then, when the ATM 1 becomes unable to communicate with the host device 2 via the private line network 6 in the first communication unit 18, the ATM 1 selects the emergency mode.

  Note that switching from the emergency mode to the normal mode can be performed by re-execution of this mode selection process by an operator operation or the like.

  Therefore, the ATM 1 selects the emergency mode when the leased line network 6 used for connection with the host device 2 is disconnected or the host device 2 is down due to a failure due to a disaster such as an earthquake. To do.

  FIG. 7 is a flowchart showing ATM transaction processing in the normal mode. ATM1 accepts selection of transaction type by the user in display / operation unit 11 (s11). ATM1 accepts a medium such as a card or a passbook used in the selected type of transaction (s12). In addition, if the ATM 1 is a user who requires personal authentication based on biometric information at the time of transaction, the biometric information reading unit 16 reads the finger vein of the user, and the registered pattern recorded on the card received earlier. And the user's finger vein pattern read this time are verified (s13).

  If the ATM1 cannot authenticate the person in the person authentication process using the biometric information, the ATM1 performs a transaction stop process (s14, s15), and ends the process. If ATM1 can authenticate the person in the person authentication process using biometric information in s15, it accepts an input operation corresponding to the transaction type (s16). In s16, as with a known ATM transaction, for example, if it is a withdrawal transaction, an input operation related to input of a password, input of the withdrawal amount, confirmation input of the withdrawal amount, etc. is accepted. In addition, if it is a deposit transaction, an input operation related to input of deposited banknotes or deposited coins, confirmation input of the deposited amount, etc. is accepted.

  Note that in the case of a user who does not require personal authentication based on biometric information, the processing related to s16 is performed following s12.

  The ATM 1 transmits a transaction authentication request including transaction data such as an account number, personal identification number, withdrawal amount, and deposit amount to the host device 2 (s17). The account number is read from the card accepted in s12 or from the bankbook.

  When there is a transaction authentication request from the ATM 1, the host device 2 reads the account management information of the corresponding account and authenticates whether the transaction is possible. The host device 2 determines whether or not the transaction is possible based on the match / mismatch of the passwords, the shortage of the account balance, and the like. The host device 2 notifies the authentication result to the ATM 1. In addition, if the authentication result indicates that the transaction is possible, the host device 2 updates the account management information of the corresponding account using the current transaction data.

  When the ATM 1 receives the authentication result indicating that the transaction is not permitted from the host device 2 (s18), the ATM 1 performs the transaction stop process in s15 and ends this process. On the other hand, when the ATM 1 receives the authentication result indicating that the transaction is permitted from the host device 2 (s18), the ATM 1 processes the transaction accepted this time (s19), and ends this processing.

  In s15 and s19, the card and passbook accepted in s12 are returned. In s15, if a deposited banknote or a deposited coin is inserted, these are returned to the user.

  Next, ATM transaction processing in the emergency mode will be described. As described above, the ATM 1 is used when the dedicated line network 6 used for connection with the host device 2 is disconnected due to the occurrence of a disaster such as an earthquake, or when the host device is down due to a failure. This emergency mode is selected. In the emergency mode, transactions can be performed without using a card or a passbook.

  FIG. 8 is a flowchart showing ATM transaction processing in the emergency mode. ATM1 is displaying the screen (refer FIG. 9) that the display and operation part 11 can perform an emergency transaction on the indicator 11a, when the emergency mode is selected.

  The user presses the “fixed amount withdrawal” button shown in FIG. 9 as an input operation for starting the transaction. When the ATM 1 receives an input operation for starting a transaction (s21), the ATM 1 receives an input of a contact telephone number (s22). In addition, ATM1 accepts the input of the emergency password (s23). The order of the processes concerning s22 and s23 may be reversed.

  The ATM 1 further displays the screen shown in FIG. 10, and when the user agrees to image the face (when the confirmation button is pressed), the imaging unit 17 images the user's face (s24). Since this ATM1 is configured to provide a process related to s24 and image the user's face, it is possible to prevent the ATM1 from being operated for mischief or the like. In addition, it is possible to prevent an unauthorized transaction from being performed by imaging the face of the user.

  When the ATM 1 images the face of the user, the ATM 1 transmits an identity verification request including the contact telephone number, the emergency password, and the captured face image of the user to the identity verification device 3 (s25).

  FIG. 11 is a flowchart showing the operation of the identity verification device. When the identity verification device 3 receives the identity verification request from the ATM 1 (s31), the contact phone number notified at this time and the emergency password are matched in the identity verification information stored in the storage unit 33. It is searched whether there is a thing (s32). In s32, for example, the personal identification information stored in the storage unit 33 is searched using the contact telephone number as a key, and the presence or absence of a matching contact telephone number is determined. If there is a matching contact telephone number, the identity verification device 3 determines whether or not the emergency password associated with the telephone number matches.

  If the identity verification information stored in the storage unit 33 does not match the contact phone number notified at this time and the emergency password, the identity verification device 3 confirms the identity of the ATM 1 with unidentification. Reply (s33, s36).

  If the identity verification information stored in the storage unit 33 includes the contact phone number notified this time and the emergency password that matches the emergency password, the identity verification device 3 can identify the user who has been identified this time. The transaction history in the emergency mode is confirmed (s34), and it is determined whether or not the transaction is possible due to the use restriction (s35).

  This usage restriction is, for example, the upper limit number of times (three times or the like) that allows transactions in the emergency mode. In s35, if the user who has been identified this time has already made an upper limit number of transactions in the emergency mode, it is determined that the transaction is impossible. In other words, in s35, if the user who has been identified this time has not made the upper limit number of transactions in the emergency mode, it is determined that the transaction is possible.

  Further, the usage restriction is not limited to the above-mentioned upper limit number, and may be an elapsed period from the previous transaction in the emergency mode. For example, a period such as 2 weeks or 20 days is determined in advance, and in s35, it is determined that the user who has been identified this time is not allowed to trade unless this period has passed since the last transaction in the emergency mode. To do. In other words, in s35, if the user who has been identified this time has passed this period since the previous transaction in the emergency mode, it is determined that the transaction is possible.

  Further, the usage limit may be set to the upper limit number of times described above and the elapsed period.

  If the identity verification device 3 determines that the transaction is impossible in s35, it returns a transaction impossible due to the use restriction to the ATM 1 (s37).

  Further, when the identity verification device 3 determines that the transaction is possible in s35, the transaction confirmation is returned to the ATM 1 (s38), and the identity confirmation information of the user who has been identified this time is added to the transaction information in the emergency mode. The history is stored in association (s39). In s39, the ATM1 identification code, transaction date and time, and user face image are stored as transaction history.

  In this way, the identity verification device 3 replies to the ATM 1 with the identity verification result indicating that the identity has not been confirmed, the transaction is not allowed due to usage restrictions, or the transaction is possible.

  When the ATM 1 receives from the identity verification device 3 the identity confirmation result indicating that the identity has not been confirmed or that the transaction is not possible due to usage restrictions, the ATM 1 performs transaction cancellation processing (s28) and ends the processing. When the ATM 1 receives an unidentified result as the identity confirmation result from the identity verification device 3, the ATM 1 displays a message “The identity cannot be confirmed” on the display 11a for a certain time (about 2 seconds) in s28. Also, when the ATM 1 receives the transaction impossible due to the usage restriction as the result of the personal identification from the personal identification device 3, the message “Cannot trade due to the usage restriction” is displayed on the display 11a for a certain time (about 2 seconds). Display and end this process.

  When the ATM 1 receives the transaction permission, the ATM 1 performs a withdrawal process for a predetermined amount (s29), and ends this process.

  As described above, the ATM 1 is connected to the host device 2 because the dedicated line network 6 used for connection to the host device 2 is disconnected or the host device 2 is down due to a failure due to a disaster such as an earthquake. Even in a state where communication with the device 2 is not possible, a predetermined amount of withdrawal transaction can be performed. Therefore, it is possible to relieve the anxiety of shortage of living funds, which is felt by disaster victims such as earthquakes.

  Further, the identity verification device 3 stores a transaction history for each user who has been able to verify the identity of the transaction in the emergency mode. Accordingly, after the leased line network 6 and the host device 2 are restored and restored to a state where they can operate in the normal mode, the identity verification device 3 notifies the host device 2 and the account stored in the storage unit 23 by the host device 2 Management information may be updated.

  In the above example, only the withdrawal transaction of a predetermined amount (for example, 100,000 yen) can be performed in the emergency mode. However, the user may be able to input and specify the withdrawal amount. , Other types of transactions other than withdrawal transactions may be performed.

1 ... Automatic teller machine (ATM)
DESCRIPTION OF SYMBOLS 2 ... Host apparatus 3 ... Identity verification apparatus 6 ... Dedicated line network 7 ... Mobile telephone network 10 ... Main control part 11 ... Operation part 12 ... Banknote processing part 13 ... Coin processing part 14 ... Statement processing part 15 ... Passbook processing part 16 ... Biometric information reading unit 17 ... Imaging unit 18 ... First communication unit 19 ... Second communication unit 21 ... Control unit 22 ... Communication unit 23 ... Storage unit 31 ... Control unit 32 ... Communication unit 33 ... Storage unit

Claims (7)

A first communication unit that communicates with a host device connected via a first network;
A second communication unit that communicates with the identity verification device connected via the second network;
As the transaction mode, a mode selection unit that selects either the normal mode or the emergency mode,
When the mode selection unit selects the normal mode, an authentication request relating to whether or not the transaction can be accepted for the transaction based on the input transaction data in the communication with the host device in the first communication unit is sent to the host An authentication request unit that transmits to the device and obtains an authentication result from the host device;
When the mode selection unit selects the emergency mode, the identity confirmation request including the entered identity confirmation data is transmitted to the identity confirmation device through communication with the identity confirmation device in the second communication unit. , A person confirmation requesting unit for obtaining a person confirmation result about whether or not the person confirmation can be performed from the person confirmation device;
When the authentication request unit obtains an authentication result indicating that the transaction is permitted from the host device, or when the identity confirmation request obtains a confirmation result that the identity confirmation device has confirmed the identity, the transaction is performed. An automatic transaction processing apparatus comprising: a transaction processing unit for processing.   The automatic transaction processing device according to claim 1, wherein the mode selection unit selects an emergency mode when detecting that the first communication unit cannot communicate with the host device.   The automatic transaction processing apparatus according to claim 1, further comprising an imaging unit that images a user's face when the mode selection unit selects an emergency mode.   The said transaction processing part is an automatic transaction processing apparatus in any one of Claims 1-3 which processes predetermined transaction, when the said mode selection part has selected emergency mode.   The said transaction processing part is an automatic transaction processing apparatus in any one of Claims 1-3 which processes the withdrawal transaction of the predetermined amount, when the said mode selection part has selected emergency mode. The first network is a private network;
The automatic transaction processing apparatus according to claim 1, wherein the second network is a mobile phone network. An automatic transaction processing device for processing transactions;
A host device communicably connected to the automatic transaction processing device via a first network;
A transaction processing system comprising the automatic transaction processing device and an identity verification device communicatively connected via a second network,
The automatic transaction processing device
As the transaction mode, a mode selection unit that selects either the normal mode or the emergency mode,
When the mode selection unit is selecting the normal mode, the authentication request relating to whether or not the transaction is possible for the transaction based on the input transaction data in the communication with the host device via the first network. An authentication request unit that transmits to the host device and obtains an authentication result from the host device;
When the mode selection unit selects the emergency mode, a communication request with the identity verification device via the second network is sent to the identity verification device including the entered identity verification data. And a person confirmation requesting unit for obtaining a person confirmation result as to whether or not the person confirmation has been performed from the person confirmation device,
When the authentication request unit obtains an authentication result indicating that the transaction is permitted from the host device, or when the identity confirmation request obtains a confirmation result that the identity confirmation device has confirmed the identity, the transaction is performed. A transaction processing unit for processing,
Transaction processing system.

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