JP2020080100A - Method for biometric information transaction and atm system - Google Patents

Abstract

To provide a method for a biological information transaction capable of performing a biological information transaction in an ATM even when a cash card is used by which no biological information transaction can be performed.SOLUTION: A method for a biological information transaction of an ATM system having an ATM and a host computer, effective even with neither face information nor customer information registered in the host computer, comprises: reading a cash card; photographing a user's face via a camera of the ATM; reading face information and character information of a personal identification certificate of the user via a scanner so as to perform personal authentication by collating both; and upon success of the authentication, registering the face photograph in a host, and continuing the transaction, or upon failure of the authentication, stopping the transaction. When the face photograph is registered in the host computer, a current face photograph is photographed by the camera, and the former and the latter are collated to determine whether or not authentication is possible. When the authentication results in success, the transaction is continued. When the authentication results in failure, the transaction is stopped.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a technique for confirming the identity of an ATM user when conducting a transaction using a cash teller machine (hereinafter, also referred to as ATM (Automatic Teller Machine)) at a financial institution or the like. Specifically, even if the issued cash card has not registered biometric information, a biometric information transaction method that enables personal authentication using biometric information and an ATM using the biometric information transaction method. Regarding the system.

  As cash cards used in ATM, two types are mainly used: a magnetic card having only a magnetic stripe, and an IC cash card having an IC chip (hereinafter also referred to as an IC card). In the case of a magnetic card, it is operated by the method of inputting a personal identification number as a method of confirming the identity at the time of transaction at ATM (personal identification number transaction). On the other hand, in the case of an IC cash card, biometric information such as fingerprints and veins is registered in advance in the IC chip, and the biometric information in the IC chip during ATM operation and the biometric information of the operator acquired by the ATM are stored. By verifying, the identity is confirmed (biological information transaction).

  Among magnetic cards and IC cards, since magnetic cards have a longer history, a huge number of magnetic cards have been issued and are now on the market. Moreover, the cash card has no expiration date and is never reissued. Therefore, many magnetic cards are on the market, and all ATM transactions are PIN number transactions.

  In the personal identification number transaction of a magnetic card in ATM, if a third party obtains the personal identification number, cash transaction can be easily performed by anyone other than the person himself/herself. Further, since a magnetic card can easily perform fraudulent acts such as skimming, there is a problem that it is easy to forge or falsify.

  In order to solve these problems, an IC cash card (hereinafter also referred to as an IC card) in which an IC chip is embedded in a card has come to be used. An IC cash card writes personal information and biometric information in an IC chip, and authenticates the person by collating with the person at the time of transaction in ATM.

  Since the information written in the IC chip is encrypted and cannot be easily analyzed, it is difficult to forge or falsify. In addition, since the biometric information is also collated in the identity authentication at the time of ATM transaction, unauthorized use by a third party is impossible, and this is a method with extremely high security, but there are some obstacles as described below. Due to factors, biometric information transactions using IC cash cards are not widespread.

(Factors obstructing the spread of biometric information transactions)
(1) There is a charge for switching from a magnetic card to an IC cash card.
Since the price of the IC card itself is high, it is often charged to switch from the existing magnetic card to the IC card. Therefore, switching has not progressed. As a financial institution, in order to prevent fraudulent use and counterfeiting/falsification, there are cases where free switching is carried out in campaigns, etc., in order to promote the transition to biometric information transactions. However, it is difficult for financial institutions who cannot afford to do so, and it is not spreading nationwide.
(2) User load problem Some financial institutions are abolishing magnetic cards and issuing new IC cards only. Therefore, the IC card rate of newly issued cash cards tends to increase in the future. However, in order to trade biometric information, you need to issue an IC card,
It is necessary to write biometric information in the IC chip. Therefore, the user must go to the window of the financial institution and register the biometric information after receiving the IC card. However, there are many situations in which users cannot visit during the business hours of financial institutions, and even if they visit financial institutions for convenience, they cannot respond immediately because the counters are crowded. Therefore, it is very troublesome and troublesome for the user, and this is one of the reasons why the registration of biometric information has not progressed. Therefore, although the cash card is an IC card, it is often the same as the conventional PIN transaction. This is also the case when conducting free campaigns, and having to visit the window of a financial institution is a major factor that prevents the switch to biometric information transactions.
(3) Problem of low accuracy in reading biometric information of the user The biometric information handled by the IC cash card includes fingerprints and veins. Fingerprints may have poor reading accuracy due to scratches or stains on the fingers. In the vein, the reading accuracy may decrease because the blood vessel contracts due to the cold outside temperature.
Due to these factors, a reading error may occur during ATM transactions, and smooth transactions may not be performed, which may result in user dissatisfaction. Due to such a reason, although the IC card is held, biometric authentication is often not used.

  As explained above, the number of magnetic cards issued by financial institutions is enormous, and all of these are PIN number transactions, so security is low. Therefore, there is no end to the unauthorized use of cash cards. Although it is necessary to proceed with the shift to a cash card that enables highly accurate biometric information transactions, registration of biometric information is essential, and for that purpose it is necessary to go to the window of a financial institution and perform procedures. This has become an obstacle, and the switch to IC cards is progressing, but the use of biometric information transactions is not progressing.

  As a technique that enables biometric information transactions without going to a window of a financial institution and registering biometric information such as a face, for example, in Japanese Patent Application Laid-Open No. 2004-163, a face photograph registered in advance and a camera provided in an ATM are used. A technique is disclosed in which the photographed face picture is collated to perform personal authentication.

  Specifically, it is a cash transaction system including a terminal device (ATM) and a host computer to which the terminal device is connected via a network.

  The terminal device of this cash transaction system includes an imaging unit for taking a facial photograph of a user, an operating unit, and a control unit for communicating information such as a facial photograph with a host computer.

Also, the host computer of this cash transaction system is
The number of collations between the face photograph read in advance from the user's ID card and the user's face photograph taken by the imaging unit, the collation rate by the photographed face photograph at this transaction and the ID card, and the collation rate Cumulative matching rate obtained by multiplication with the matching rate at the time of the transaction up to that point, and a transaction history storage unit that stores the corresponding rate at each transaction,
When the user face photo is received from the terminal system, the personal identification unit that collates the ID face photo and the user face photo to calculate the collation rate and also calculates the cumulative collation rate,
If the cumulative collation rate calculated by the person collation unit is equal to or greater than the limit collation rate that indicates the limit value for determining whether or not the person is the person, the number of collations is counted up, and the counted number of collations and the current transaction are calculated. The verified collation rate and the cumulative collation rate are stored in the transaction history storage unit, and the number of collations exceeds the prescribed number of collation, which is the number of times the person is regarded as the individual when the cumulative number of collation is continuously equal to or more than the limit collation rate. In this case, the matching count is set to the value at the time of the first transaction, and the cumulative matching ratio at this transaction is stored in the transaction history storage unit in association with the matching count at the same value as the first trading. In addition, the cash transaction system is characterized by further comprising a propriety determination unit that permits execution of the transaction.

  With this system, it is possible to issue an IC cash card without the need for the operator to confirm the identity, which has been conventionally required, and it is possible to trade cash by biometric information transaction using the issued IC cash card.

  However, although this cash transaction system can be applied to newly issued cards, it has a problem that it cannot deal with already issued cash cards. For this reason, it is not possible to trade biometric information for magnetic cash cards in huge quantities.

Japanese Patent No. 5147426

  In view of the above circumstances, the present invention provides an ATM system that enables biometric information transactions by using an issued cash card that cannot perform biometric information transactions, and a biometric information transaction method in the ATM system. It is an issue.

As a means for solving the above-mentioned problems, the invention according to claim 1 of the present invention enables the biometric information transaction even in the ATM connected to the host computer, even if the user uses a cash card which can only perform the PIN code transaction. A method of biometric information trading,
A step in which the user inserts the cash card into the ATM to read the information on the cash card,
When the face information of the user is registered in the host computer, the face information is acquired by photographing the face of the user with the camera provided in the ATM, and the face information and the face information are registered in the host computer. Proceed to the step of verifying personal information by collating face information, if the person is authenticated, the transaction is continued, if it is not authenticated, the transaction is stopped,
If the face information of the user is not registered in the host computer, the step of reading the face photograph and the character information of the user's identification certificate with the scanner provided in the ATM, and the face of the user with the ATM camera After taking the step of obtaining face information by shooting, proceed to the step of authenticating yourself by collating the face information obtained from the face picture of the personal identification certificate with the face information obtained by the camera, and being authenticated as the person In this case, the face information acquired by the camera is registered in the host computer, and the transaction is continued. If the person is not authenticated, the transaction is stopped.

  The invention described in claim 2 is an ATM system including a program for executing the method of biometric information transaction according to claim 1.

  According to the biometric information transaction method of the present invention, even if the user uses the cash card for the first time in the ATM of the financial institution and the face information is not registered in the host computer, the ATM The camera provided in the system captures the face information of the user by capturing the face, and the scanner reads the face photograph and character information of the personal identification card such as a personal number card or driver's license, and from that information, It is possible to confirm the person by collating the face information of the face photograph acquired by the camera with the face information of the face photograph of the personal identification certificate. Therefore, it becomes possible to trade biometric information. From the second time, it is possible to determine whether or not the person is the person by collating the face information of the face photograph acquired by the camera each time with the face information registered in the host computer. Is possible.

  The above can be carried out by using the function provided in the existing ATM of the financial institution, so that it can be carried out without imposing a special load on the user or the financial institution.

  In the ATM system of the present invention, face information is used as biometric information. In recent years, since the face authentication technology has advanced dramatically, it is less likely that an authentication error will occur as compared with biometric authentication using a fingerprint or a vein. Therefore, it is possible to prevent the user from feeling stress.

The flowchart explaining an example of the method of biometric information transaction in the ATM system of this invention. Explanatory drawing which illustrates the functional structure of the ATM system of this invention.

<Method of biometric information trading>
The biometric information transaction method of the present invention is a biometric information transaction method in which an ATM connected to a host computer can perform biometric information transaction even if a user uses a cash card that can only perform personal identification number transaction.

  There is provided a step of starting by the user touching a predetermined part displayed on the touch panel of the ATM or the like and inserting the cash card into the predetermined part of the ATM so that the user can read the information of the cash card.

  When the face information of the user is registered in the host computer, the face information is acquired by photographing the face of the user with the camera provided in the ATM, and the face information and the face information are registered in the host computer. The method includes a step of collating face information to perform personal authentication, a step of continuing the transaction if the person is authenticated, and a step of canceling the transaction if the person is not authenticated.

  If the face information of the user is not registered in the host computer, the step of reading the face photograph and the character information of the user's identification certificate by the scanner provided in the ATM, and the user's face by the camera of the ATM After the step of acquiring face information by shooting a face, proceed to the step of authenticating yourself by collating the face information acquired from the face photo of the personal identification certificate with the face information acquired by the camera, and authenticate yourself. It is characterized by including the step of continuing the transaction after registering the face information acquired by the camera in the host computer if the user is authenticated, and the step of canceling the transaction if the person is not authenticated. The personal identification is performed by collating the character information of the personal identification certificate with the character information that identifies the user himself/herself registered in the host computer.

  Next, a more detailed description will be given with reference to a flow chart for explaining the biometric information transaction method of the present invention illustrated in FIG. 1 and a configuration diagram of the ATM system of the present invention illustrated in FIG.

  The biometric information transaction method of the present invention is a method that enables biometric information transaction using a cash card that can only perform personal identification number transactions, and includes steps 1 (S1) to 16 (S16). Will be described below as an example, but the number of steps is not limited to this. The number of steps may be increased or decreased without departing from the work flow.

In the method of biometric information transaction of the present invention, first, an ATM user starts a transaction by touching a predetermined menu displayed on the ATM touch panel (S1), and an instruction to read a cash card is given to the touch panel. After being displayed, the user inserts the cash card into the card information reading unit of the ATM (S2), then reads the information of the cash card (S3), and whether the face information of the user is registered. The step (S4) of confirming with the host computer is provided. In S4, the external communication unit of the ATM first makes an inquiry to the host computer of the financial institution to confirm whether the face information is registered, and returns the result to the ATM.

  When the face information is registered in the host computer, the step of capturing the face information of the user by the camera and acquiring the face information (S5), the acquired face information, and the face information stored in the host computer. After the step (S6) of collating and, the process proceeds to a determination step A (S7) for determining whether or not the person is the person.

  If the face information is not registered in the host computer, a step (S10) of reading the face photograph and the character information of the user's identification certificate by a scanner, and confirming whether the identification card is genuine or not. The step (S11), the step of capturing the face information of the user by the camera and acquiring the face information (S12), the acquired face information and the face photograph of the personal identification certificate are collated by the face authentication section, and the personal identification certificate is obtained. After the step (S13) of collating the character information of (3) with the customer information stored in the host computer, the process proceeds to a determination step B (S14) of determining whether or not the person is the person.

  In the determination step A, if the user is determined to be the principal, the transaction is continued (S8), and if it is not determined to be the principal, the transaction is stopped (S9).

  When it is determined in the determination step B (S14) that the user is the user, the step of registering the face information acquired by the camera in the host computer (S15) is followed by the step of continuing the transaction (S16). If the user is not determined to be the principal, the process proceeds to the step (S17) of canceling the transaction.

  Through the above steps S1 to S17, biometric information transactions can be performed even with a cash card that can only perform PIN number transactions.

  In S10, the face photograph of the personal identification certificate is read, but if the face photograph has scratches or stains, the face photograph may not be normally read. In such a case, the operator confirms the face of the user separately via the ATM or the ATM to confirm that the user is authentic.

  For newly issued magnetic cards, face information is registered when the account is opened. In this case, the face information of the face photograph taken by the camera installed at the counter may be registered after the identity confirmation by the staff of the financial institution.

<ATM system>
Next, the ATM system of the present invention will be described with reference to FIG.
The ATM system of the present invention is an ATM system including an ATM and a host computer communicably connected to the ATM. FIG. 2 shows an example of one ATM and one host computer, but normally a plurality of ATMs are provided. The communication line connecting the host computer and the ATM may be a dedicated communication line or an Internet line.

The ATM is an input unit for the user to input information, a card information reading unit for reading the information of the cash card, a transaction executing unit for depositing and paying cash, and a face information of the face taken by the user. A face authentication unit that authenticates whether or not the person is based on, an external communication unit that communicates with a host computer through a communication line, an input unit, a card information reading unit, a transaction execution unit, a face authentication unit, and an external communication unit. And a main control unit for controlling the operation of.

  The host computer includes a customer management database that stores at least customer information and customer face information.

  The input unit is equipped with a touch panel that allows the user to input information as necessary, a camera that captures the face information of the user by capturing the face information, and a scanner that captures the face photograph of the personal identification certificate and the character information ing.

(Touch panel)
The touch panel mentioned here refers to a display device having a touch panel function that enables input by touching a display portion displayed on a display screen such as a liquid crystal display device with a finger. There is no need to limit to a liquid crystal display device, and an organic EL display device, an inorganic EL display device, a CRT (Cathode Ray Tube), an electrophoretic display device, an electrochromic display device, etc. capable of displaying characters, figures, patterns, etc. Any display device may be used as long as the display screen of the device has a touch panel function.

(camera)
The camera may be any imaging device capable of imaging the face of the ATM user. If the brightness necessary for shooting cannot be obtained, an illumination device or a flash that can obtain the brightness that allows the user's face to be taken may be provided. The image capturing device may be a still camera or a device capable of capturing a moving image such as a video camera.

(scanner)
The scanner may be any one that can mainly read the face photograph and the character information of the identification card. It may be a line sensor, which is an optical reading device, or an area sensor.

(Card information reader)
The card information reading unit has a function of reading information recorded on a cash card by inserting the cash card. It has a function of reading character information recorded on the face of a cash card and electronic information recorded on a magnetic tape or an IC chip. When the cash card is a magnetic card, it is equipped with a reading means using a magnetic head or the like for reading the information recorded on the magnetic tape. When the cash card is an IC card, a contact type IC module is usually provided, and therefore, a reading means for the contact type IC module is provided. In addition, the card information reading unit has a mechanism that automatically sucks the cash card when the cash card is inserted halfway, and has a mechanism that automatically ejects the cash card halfway after reading the information. There is.

(Face recognition part)
The face authentication unit captures the face image obtained by the ATM camera capturing the user's face and the face image obtained by the scanner reading the personal identification card such as a personal number card, driver's license, passport, etc. By comparing with face information registered in the customer management DB (database) of, it is determined whether or not the person is the person. The method of collating the face photograph acquired by the scanner with the face information stored in the host computer is not particularly limited, but the facial feature points of the face photograph and the face information are extracted and the two are compared. Face verification can be performed by collating with each other. This function may be included in the main controller. Further, the face recognition method is not limited to this, and face recognition technology, which has made remarkable progress in recent years, may be applied.

(External communication part)
The external communication unit is an interface circuit that enables the main control unit of the ATM system to communicate with the host computer.

(Transaction Execution Department)
The transaction execution unit is a device that permits the transaction when the ATM system determines that the user is a genuine user and submits the cash requested by the user so that the user can retrieve the cash. On the contrary, when the user puts cash in the transaction execution unit, the amount of the cash can be counted and taken into the ATM.

(Main controller)
The main control unit is a device that controls at least the operations of the input unit, the card information reading unit, the transaction execution unit, the face authentication unit, and the external communication unit. The computer device can be preferably used.
For example, a user touches a predetermined part of a menu displayed on the touch panel of the ATM system to start the operation of the ATM, and a series of operations thereafter, that is, a program for executing the biometric information trading method of the present invention. Included in the main controller.

(Customer management database (DB))
The customer management database uses a part of the storage area of the host computer to store customer information and face information of the cash card user. The ATM main controller accesses the customer management database of this host computer and reads out the necessary information. On the contrary, necessary information is stored or registered.

  The ATM system described above is equivalent to the conventional ATM system including the ATM and the host computer, but the feature of the ATM system of the present invention is that the main controller of the ATM performs the biometric information transaction method of the present invention. The feature is that the program that enables it is installed. As a result, the ATM system of the present invention can carry out the biometric information transaction method of the present invention.

  The information about the feature points of the face handled by the face authentication unit of the ATM system of the present invention is encrypted. Therefore, even if the information on the feature points of the face is leaked, it is impossible to identify the face just by looking at it. Further, since the information on the feature points of the face is irreversible information, it is impossible to restore the face from the information.

Claims (2)

A method of biometric information transaction, which enables biometric information transaction using a cash card in an ATM connected to a host computer,
A step in which the user inserts the cash card into the ATM to read the information on the cash card,
When the face information of the user is registered in the host computer, the face information is acquired by photographing the face of the user with the camera provided in the ATM, and the face information and the face information are registered in the host computer. Proceed to the step of verifying personal information by collating face information, if the person is authenticated, the transaction is continued, if it is not authenticated, the transaction is stopped,
If the face information of the user is not registered in the host computer, the step of reading the face photograph and the character information of the user's identification certificate with the scanner provided in the ATM, and the face of the user with the ATM camera After taking the step of obtaining face information by shooting, proceed to the step of authenticating yourself by collating the face information obtained from the face picture of the personal identification certificate with the face information obtained by the camera, and being authenticated as the person In the case, the face information acquired by the camera is registered in the host computer, and then the transaction is continued. If the person is not authenticated, the transaction is stopped.   An ATM system comprising a program for executing the biometric information transaction method according to claim 1.

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