JP2022130088A - Cash automatic transaction device, cash automatic transaction system and user identification method using cash automatic transaction device - Google Patents

Abstract

To provide a cash automatic transaction device adapted to enable a user identification procedure.SOLUTION: A cash automatic transaction device 1 includes a control unit 101, 102, a transmission unit 103 and a user interface unit 104. The control unit, when receiving a request for a predetermined transaction from a user, inquires of a user identification server 2 through the communication unit 103 whether or not user identification is required in performing a predetermined transaction, and when the user identification server 2 determines that the user identification is required within a predetermined period, the control unit causes the user interface unit 104 to present information for prompting the user identification to the user.SELECTED DRAWING: Figure 1

Description

The present invention relates to an automated teller machine, an automated teller system, and an identity verification method using an automated teller machine.

In recent years, along with revisions to the Act on Prevention of Transfer of Criminal Proceeds, methods of conducting identity verification using ATMs (Automated Teller Machines), etc., in addition to person-only mail and face-to-face identity verification at counters, have been considered. there is

Japanese Patent Application Laid-Open No. 2005-182398 (Patent Document 1) is a technique for performing personal identification using an automatic teller machine (ATM) on the floor of a financial institution. In this publication, ``automatic transaction equipment that conducts transactions by user operation, card reading equipment that detects users who have visited the transaction and reads account information from the transaction medium possessed by the user, and account name A face image database in which face images of people are stored in association with the account information, a user photographing camera for photographing the face of a user who visits the transaction, and an identification device for identifying the user, When the identification device receives the account information from the card reader as a reading result, the identification device captures the face of the user with the camera for photographing the user, acquires the face image of the user, and obtains the face image of the user. A facial image corresponding to the account information is acquired from the database, and the feature points of each facial image are compared to identify whether or not the user is the account holder. Send the account information to the automatic transaction device."

JP 2005-182398 A

In the prior art, the ATM is used to confirm the identity of the customer, but it does not prompt the identity confirmation within a certain period of time, and is not user-friendly. This is because, in recent years, there has been a growing need for identity verification to be carried out within a certain period of time, and it is desirable to carry out identity verification efficiently by reducing the burden and costs associated with dealing with counters and limited mail. ing. However, in Patent Literature 1, it is not possible to efficiently perform identity verification for a predetermined period of time.

The present invention has been made in view of the above problems, and its object is to provide an automated teller machine, an automated teller system, and an identity verification method using an automated teller machine that can improve usability. be.

In order to solve the above problems, an automatic teller machine according to the present invention includes a control unit, a communication unit, and a user interface unit, and the control unit executes a predetermined transaction when receiving a request for a predetermined transaction from a user. Inquires to the identity verification server via the communication section whether identity verification is required for implementation, and if the identity verification server determines that identity verification is required within a predetermined period, the user interface section notifies the user to present information that prompts identity verification.

According to the present invention, the automatic teller machine can present the information prompting the user to confirm the identity when the identity confirmation is required within a predetermined period of time, thereby improving usability.

It is a lineblock diagram of the whole system containing an automatic teller machine (ATM). It is an example of a customer information table. It is an example of an identity verification result management table. It is a flowchart which shows the process which sets an identity verification time limit. It is a flowchart which shows the whole process of ATM. It is a flowchart which shows the withdrawal process as a "predetermined process." 10 is a flow chart showing a process of determining whether or not personal identification is necessary in the personal identification server. It is an example of a screen containing information prompting a user to confirm his/her identity. It is a flowchart which shows the identity verification process in ATM. 4 is a flow chart showing identity verification processing in the identity verification server. It is a whole block diagram of the automatic cash transaction system which concerns on 2nd Example. It is a flowchart which shows the identity verification process in ATM. FIG. 11 is an explanatory diagram according to a third embodiment;

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below based on the drawings. In this embodiment, the identity of the user is verified using an ATM within a predetermined period. The predetermined period is a period during which the identity of the user can be verified. The predetermined period is, for example, the guidance period. The predetermined period may include the period from the end of the guidance period to the expiration date of the personal identification. A predetermined grace period may be provided even when the deadline for the personal identification has passed. In this embodiment, each time the user uses an ATM, it is determined whether it is within a predetermined period for identity verification, and if it is within the predetermined period, information prompting the user for identity verification is presented. The user who sees the information may perform identity verification on the spot via the ATM, or may perform identity verification via the ATM at a later date. Every time the user uses the ATM, information prompting for identity verification is presented until the user performs identity verification. Therefore, the user can remember to confirm his/her identity, which improves the convenience of user management for financial institutions operating ATMs. As described above, in the present embodiment, it is possible to efficiently perform identity verification for a predetermined period of time.

A first embodiment will be described with reference to FIGS. 1 to 10. FIG. In this embodiment, an ATM will be described as an example of an automated teller machine. In this embodiment, when a financial institution manages a user (customer) and adopts an operation of performing identity verification at least once within a predetermined period, the identity verification procedure can be performed by appropriately using the ATM 1. is efficiently implemented for financial institutions and users. In other words, when the user uses the ATM 1 and the user meets a predetermined condition, prompting the user to verify the identity of the user at the ATM 1 can reduce the burden on both the financial institution side and the user. In other words, it is possible to reduce the need to deal with the counter for personal identification or to deal with personal limited mail.

FIG. 1 shows a configuration example of the entire system of this embodiment. The automatic cash transaction system includes, for example, an ATM 1, an identity verification server 2, an accounting system host 3 and an operator terminal 4. A plurality of ATMs 1 and operator terminals 2 may be included in the automatic cash transaction system. Each device 1 to 4 is configured using a computer, and is connected by a communication line CN so as to be capable of two-way communication.

The ATM 1 includes, for example, a microprocessor (CPU in the figure) 101, a memory 102, a communication interface section 103, a user interface section 104, and an ATM mechanism section 105. A “controller” is mainly composed of a microprocessor 101 and a memory 102 . ATM 1 is connected to communication line CN using communication interface section 103 .

The user interface unit 104 has an information input unit for inputting information from the user and an information output unit for providing information to the user. The information input unit includes, for example, a touch panel. The information output unit includes, for example, a monitor display and a printer.

The ATM mechanism unit 105 is a mechanism unit necessary for realizing functions as an ATM, and includes, for example, a card/statement mechanism unit, a banknote deposit/withdrawal mechanism unit, a coin deposit/withdrawal mechanism unit, a passbook printing mechanism unit, a camera, and the like. There is

The main functions of the ATM 1 include an ATM function execution section 110 and an identity verification information acquisition section 120 .

The ATM function execution unit 110 is a function for a user who is a customer of a financial institution to perform cash transactions using a cash card or a bank passbook. The identity verification information acquisition unit 120 is a function that supports online identity verification in accordance with the Act on Prevention of Transfer of Criminal Proceeds.

The ATM function execution unit 110 implements functions such as a card reader function for reading data from a cash card or the like, a passbook processing function, a cash handling function, a statement printing function, a customer operation function, and a maintenance staff function.

The identity verification information acquisition unit 120 acquires information from the IC chip in the identity verification medium IVM with face photo brought by the user. When the user inserts the personal identification medium IVM into a predetermined slot of the ATM mechanism unit 105 or holds it over a predetermined non-contact reader and inputs the personal identification number from the touch panel, the personal identification information acquisition unit 120 retrieves the user's facial image from the IC chip. Obtain identity verification information, including data.

Examples of the personal identification medium IVM include a driver's license, driving record certificate, my number card, residence card, and special permanent resident card. Even if the document does not contain an IC chip, it can be used if it has a face photo attached and the financial institution accepts it as the identity verification medium IVM.

When performing identity verification, the identity verification information acquisition unit 120 collects the user's face image data read from the identity verification medium IVM and the user's face image data captured by the camera of the ATM mechanism unit 105 for identity verification. Send to server 2.

The personal identification server 2 includes, for example, a microprocessor 201, a memory 202, and a communication interface section 203. The principal functions of the identity verification server 2 include an identity verification information management section 210 and an identity verification result management table 220 .

The personal identification information management unit 210 acquires the information of the customer information table 310 from the accounting system host 3, and determines whether or not the user who makes a transaction at the ATM 1 requires personal identification (re-identification; the same shall apply hereinafter). . In the case of a user who requires identity verification, the identity verification information acquisition unit 120 acquires the result of execution of identity verification, registers the verification result by the operator terminal 4, and transmits the obtained information to the accounting host 3. to reflect it in the customer information table 310.

The identity verification result management table 220 manages information acquired by the identity verification information management unit 210 .

At least part of the data or computer programs stored in the personal identification server 2 can be transferred and stored in the storage medium MM. Alternatively, the data or computer program stored in the storage medium MM can be transferred to and stored in the memory 202 of the personal identification server 2 . The storage medium MM is, for example, a rewritable non-volatile medium such as a flash memory, hard disk, or optical disk.

The accounting host 3 is a host computer on which an accounting system (not shown) of a financial institution operates. The accounting system host 3 comprises, for example, a microprocessor 301, a memory 302, and a communication interface 303.

A customer information table 310 is a main function of the accounting system host 3 . The customer information table 310 is a customer information table used in the accounting system, the details of which will be described later with reference to FIG.

The operator terminal 4 is a computer that inspects the result of identity verification by the identity verification server 2 and makes necessary corrections.

The operator terminal 4 refers to the identity verification result management table 220, compares the user's identity verification information acquired by the ATM 1 with the information acquired from the customer information table 310, and obtains the identity verification result (OK or NG). The operator has a correction/confirmation unit 410 in which the operator determines and registers.

By using the correction/confirmation unit 410, the operator refers to the cases requiring the final determination of identity verification from the identity verification result management table 220, and compares the information stored in the customer information table 31 with the identity verification acquired by the ATM 1. Compare with information. Then, by using the correction/confirmation unit 410, the operator can check whether there is any change in the attribute information such as the address, and furthermore, the face image data obtained by photographing the user's face and the face image data stored in the personal identification medium ( Face photo) and compare. If the operator can identify the user himself/herself, the operator determines "OK" for the case that requires final determination, and otherwise determines "NG".

A communication line CN connects the accounting system host 3 and the ATM 1 as an accounting system. Furthermore, the accounting system host 3, the personal identification server 2, and the operator terminal 4 are connected to the communication line CN as an information system.

FIG. 2 shows an example of a customer information table 310 master-managed by the accounting system host 3 . A customer is a customer of a financial institution and a user who uses the ATM1.

The customer information table 310 includes, for example, store number 311, subject 312, account number 313, holder name 314, date of birth 315, address 316, risk assessment 317, previous identity verification date 318, and previous identity verification medium expiry date 319.

The branch number 311 indicates the branch number of the account held by the user (customer; hereinafter the same). The item 312 indicates the item of the account held by the user. The account number 313 indicates the account number of the account held by the user. The holder name 314 indicates the name of the holder of the account held by the user. The date of birth 315 indicates the date of birth of the account holder held by the user. Address 316 indicates the address of the account holder held by the user.

The risk evaluation 317 is a value set for the user by the financial institution and indicates the rank of risk. For risk evaluation, a plurality of values are set according to the magnitude of risk, such as high level (H), middle level (M), and low level (L). A two-step risk evaluation may be used, or a four-step or more risk evaluation may be used.

The last identity verification date 318 indicates the date of the user's previous identity verification at the financial institution, that is, the latest date. The previous identity verification medium expiration date 319 indicates the expiration date of the identity verification medium IVM used when the user performed the previous identity verification at the financial institution. Examples of the previous identity verification medium expiration date 319 are the expiration date of a driver's license, the expiration date of a residence card, and the like.

FIG. 3 shows an example of the identity verification result confirmation table 320 held by the identity verification server 2 . The identity verification result management table 320 includes, for example, a branch number 321, a subject 322, an account number 323, an identity verification deadline 324, a face authentication image 326, an identity verification execution date 327, and an identity verification result 328.

The branch number 321, item 322, and account number 323 are the same as the branch number 311, item 312, and account number 313 of the customer information table 310, respectively, and are used as keys for specifying the account of the user.

The personal identification deadline 324 is a deadline calculated by processing of the personal identification server 2, which will be described later, and is a deadline for which personal identification is required. In FIG. 4, which will be described later, the value of the identity verification deadline 324 is referred to as identity verification deadline Ta.

The card face image 325 is a file address specifying the card face image of the personal identification medium acquired by the ATM1.

The face authentication image 326 is a file address specifying image data of the face of the user who operates the ATM1 photographed by the camera of the ATM1.

The identity confirmation execution date 327 indicates the date when the user performs identity confirmation using the ATM 1 and the operator terminal 4 approves the result of the identity confirmation.

The identity verification result 328 indicates the result (OK or NG) of the identity verification performed by the user using the ATM 1 and confirmed by the operator terminal 4 .

FIG. 4 is a flow chart showing the process of setting the identity verification time limit. This process is executed by the personal identification server 2 .

The identity verification server 2 refers to the customer information table 310 of the account system host 3 for each target user (S11), and confirms whether the previous identity verification medium expiry date Te is set in the customer information table (S12). The previous valid period Te of the personal identification medium is the valid period of the personal identification medium confirmed at the previous personal identification.

The personal identification server 2 proceeds to step S13 if the previous personal identification medium expiration date Te is set in the table 310 (S12: YES), and proceeds to step S17 if it is not set (S12: NO).

The identity verification server 2 adds the previous identity verification cycle to the previous identity verification date to calculate the maximum time limit Th (S13), and compares the expiration time Te set in the table 310 with the maximum time limit Th (S14). The personal identification cycle is set according to the user's risk evaluation value. For example, when the risk evaluation value is high (evaluation value H), the identity verification cycle is one year, when the risk evaluation value is medium (evaluation value M), the identity verification cycle is two years, and when the risk evaluation value is low (evaluation The identity verification cycle for the value L) is three years. The relationship between the risk evaluation value and the personal identification cycle is not limited to the above example.

The identity verification server 2 adopts the shorter one of the previous identity verification medium validity term Te and the maximum term Th as the identity verification term Ta (S15 to S17). If the previous valid period Te of the user authentication medium is earlier than the maximum period Th (S15: YES), the user verification server 2 sets the previous user verification medium valid period Te as the user verification period Ta (S16).

If the maximum term Th is earlier than the previous term of validity of the identity verification medium Te (S15: NO), the identity verification server 2 sets the maximum term Th as the identity verification term Ta (S17). If the expiration date Te of the identity verification medium is not set in the customer information table 310 (S12: NO), the maximum term Th is set as the identity verification term Ta (S17).

FIG. 5 is a flow chart showing an outline of processing of the ATM1. The ATM 1 displays a menu via the user interface section 104 (S21). The user selects one of the displayed menus (S22). The menu includes, for example, "withdrawal" (S23), "deposit" (S24), "transfer" (S25), "balance inquiry" (S26), passbook entry (S27), and personal identification (S28). Menu items are not limited to the above examples.

Among the menus presented to the user, a predetermined menu is preset as a "predetermined transaction". For example, "withdrawal" and "transfer" may be set as predetermined transactions that require periodic identity verification. The financial institution can set which menu item is the "predetermined transaction". Furthermore, the transaction amount may be taken into consideration as to whether or not the transaction corresponds to the "predetermined transaction". For example, if the total transaction amount within a certain period of time is equal to or greater than a predetermined amount, identity verification may be requested.

"Identification" in the ATM1 menu is a menu item for the user to use the ATM1 to confirm the identity of the financial institution. The details will be described later.

FIG. 6 is a flow chart showing withdrawal processing as an example of a "predetermined transaction". The user selects “withdrawal” to withdraw cash, and inserts the cash card into the card slot (not shown) of the ATM mechanism section 105 .

The ATM 1 detects the insertion of the cash card (S31), and acquires the password entered by the user through the user interface unit 104 (S32). Furthermore, the ATM 1 acquires the withdrawal amount entered by the user (S33).

The ATM 1 requests the identity verification server 2 to determine whether identity verification is necessary for the user who is about to withdraw cash (S34). The necessity determination processing in the personal identification server 2 will be described later with reference to FIG.

Upon receiving the determination result from the identity verification server 2 (S35), the ATM 1 determines whether or not identity verification is necessary before carrying out the transaction (S36).

When the ATM 1 determines that the identity verification is necessary (S36: YES), the ATM 1 performs the identity verification, or presents the screen G1 to the user from the user interface unit 104 to guide the user to the effect that the identity verification should be performed. (S37).

FIG. 8 is an example of a screen G1 presented to the user from the ATM1. On the screen G1, for example, "The deadline for identity verification is approaching. If you have any of the following identity verification documents with a face photo, you can carry out identity verification procedures at an ATM... Do you want to perform confirmation procedures?" and buttons GP12 and GP13 for instructing whether or not to perform personal identification are displayed.

If the user has an identity verification medium IVM such as a driver's license, My Number card, residence card, etc., and wishes to verify his or her identity, the user can immediately go through the procedures for identity verification to the financial institution at the ATM1 on the spot. can. The identity verification process using the ATM 1 will be described later with reference to FIGS. 9 and 10. FIG.

When the ATM 1 determines that the identity verification is unnecessary (S36: NO), it withdraws the amount specified by the user (S38) and returns the cash card (S39). The ATM 1 withdraws the amount specified by the user (S38) and returns the cash card even if the user does not wish to verify his/her identity (when the user presses the "No" button GP12 on the screen G1). (S39).

It is possible to set in advance whether or not identity verification is required for a predetermined transaction based on the remaining time until the identity verification deadline Te or the elapsed time from the identity verification deadline Te and the user's risk evaluation value. For example, when the risk evaluation value is low, a predetermined transaction may be performed even after the personal identification deadline Te has passed. When the risk evaluation value is high, the ATM 1 does not have to carry out transactions with the user when the remaining time until the personal identification deadline Te is shorter than the predetermined time.

FIG. 7 is a flow chart of a process in which the identity verification server 2 determines whether or not identity verification is necessary. The ATM 1 acquires account information (branch number, item, account number) from the cash card inserted by the user, and transmits it to the personal identification server 2 . The identity verification server 2 searches the identity verification result management table 220 using the account information received from the ATM 1 as a key (S41). That is, when the identity verification server 2 receives from the ATM 1 a determination request containing account information (branch number, subject, account number) for specifying the user to be determined, it searches the identity verification result management table 220 and finds the corresponding record. Specify (S41).

The personal identification server 2 determines whether today is the guidance period (S42). In other words, the identity verification server 2 determines whether or not the date requested by the ATM 1 to determine the necessity of identity verification is within the guidance period (S42).

The guidance period is a period starting from a predetermined number of days before the personal identification deadline Ta. The end of the guidance period may be the last day of the personal identification deadline Ta, or may be the day after the last day of the personal identification deadline Ta until a predetermined grace period elapses. For example, the guidance period is set to several days, ten and several days, or several weeks before the personal identification deadline Ta.

When the identity verification server 2 determines that today is within the guidance period (S43: YES), it determines that identity verification is necessary (S44: YES). On the other hand, when the identity verification server 2 determines that today is not within the guidance period (S44: NO), it determines that identity verification is unnecessary (S45).

FIG. 9 is a flow chart showing the process when the user uses the ATM 1 to verify his/her identity.

The user selects the type of personal identification medium to be used when authenticating the person using the ATM 1 . The ATM 1 acquires the type of the personal identification medium (S51), and detects that the personal identification medium has been inserted into the ATM 1 (S52).

The ATM 1 determines whether the identity verification medium has an IC chip (S53), and if the identity verification medium has an IC chip (S53: YES), acquires the personal identification number entered by the user (S54), and obtains it from the IC chip. The face data is read (S55). When the face data exists on both the front side and the back side, a personal identification number for the front side is obtained to obtain the face side data on the front side, and a personal identification number for the back side is obtained to obtain the face data on the back side.

The ATM 1 takes a picture of the user's face with a camera, performs face photograph of the card face data and face authentication (S56), and sends the photographed face image data and card face data (including the user's face photo data) and the result of face authentication. By transmitting to the personal identification server 2, the personal identification is requested (S57).

On the other hand, if the user's personal identification medium does not have an IC chip built-in (S53: NO), or if the user forgets the IC chip's personal identification number and cannot obtain the correct personal identification number at the ATM 1 (S54: NO), The ATM 1 acquires digital data including characters and photographs on the face of the banknote using a built-in scanner or camera (S58). Alternatively, the ATM 1 can display a message on the user interface unit 104 or guide the user by voice to guide the user to a manned counter and prompt the user to verify his/her identity at the counter.

FIG. 10 is a flow chart showing the identity verification process in the identity verification server 2. As shown in FIG. When the identity verification server 2 receives data from the ATM 1 (S61), it acquires customer information about the target user for identity verification from the customer information table 310 of the accounting host 3 (S62). The order of steps S61 and S62 may be interchanged.

The personal identification server 2 determines whether confirmation by the operator terminal is necessary (S63), and if it is determined that it is necessary (S63: YES), it transmits data in response to a request from the operator terminal 4 (S64).

Although illustration is omitted, the operator uses the operator terminal 4 to access the personal identification server 2 and acquires data on matters requiring confirmation. The operator compares the result of face authentication performed at the ATM 1 or the face photograph recorded on the identity verification medium with the face image taken at the ATM 1, or confirms the face data of the identity verification medium, thereby identifying the target user. is the person himself/herself. In the case of digital data obtained by photographing or scanning the face of a banknote, the operator determines whether the character recognition of the digital data is correct, and manually corrects the character recognition error. Then, the operator transmits the determination result to the personal identification server 2 .

When the identity verification server 2 receives the determination result of the operator from the operator terminal 4 (S65), it transmits the confirmed result of identity verification to the accounting system host 3 and updates the customer information table 310 (S66).

The identity verification server 2 sends an e-mail to the target user's user terminal (for example, the user terminal 5 described later with reference to FIG. 11) to notify that the identity verification has been completed (S67). Therefore, the user who has completed the online procedure for identity verification using the ATM 1 receives the result of identity verification from the identity verification server 2 after completing the online procedure. The user does not have to wait near ATM1 until the online procedure is finished.

According to this embodiment configured as described above, when the user uses the ATM 1, it is possible to guide the user to carry out the identity verification procedure within a predetermined period (personal verification time limit Ta). Improves convenience for

According to this embodiment, the user can use the ATM 1 to perform online procedures for personal identification, which improves convenience.

According to this embodiment, the result of identity verification by the identity verification server 2 is notified to the user by e-mail at a later date, so the user can act freely after completing the online procedure for identity verification from the ATM 1, which is convenient. improves.

A second embodiment will be described with reference to FIGS. 11 and 12. FIG. In the following embodiments including this embodiment, differences from the first embodiment will be mainly described. In this embodiment, the user is allowed to carry out procedures for personal identification online from the ATM 1 using the electronic personal identification medium 510 stored in the user terminal 5 .

FIG. 11 is an overall schematic diagram of an automatic cash transaction system according to this embodiment. The user terminal 5 used by the user includes, for example, a microprocessor 501, a memory 502, a communication interface 503, and a user interface unit (not shown). , wearable terminals, personal computers, and the like. An electronic personal identification medium 510 is stored in the memory 502 .

FIG. 12 is a flow chart showing the process when the user uses the ATM 1 to verify his/her identity.

The user selects the type of personal identification medium to be used when authenticating the person using the ATM 1 . The ATM 1 acquires the type of personal identification medium (S71), communicates with the user terminal 5 (S72), and determines whether connection with the user terminal 5 has been established (S73).

When the ATM 1 can be connected to the user terminal 5 (S73: YES), it reads out face data from the electronic personal identification medium 510 (S74). Then, the ATM 1 takes a picture of the user's face with a camera (S75), and sends the taken face image data and the card surface data to the user verification server 2, thereby requesting the user to verify the user (S76).

On the other hand, when the ATM 1 cannot communicate with the user terminal 5 (S73: NO), it notifies the user of an error message via the user interface section 104 of the ATM 1, or guides the user to a manned counter (S77).

The present embodiment configured in this way also has the same effect as the first embodiment. Furthermore, in this embodiment, the user can perform the identity verification procedure online from the ATM 1 using the electronic identity verification medium 510 in the user terminal 5, which further improves convenience.

A third embodiment will be described with reference to FIG. FIG. 13 is a schematic diagram of an automatic cash transaction system according to this embodiment. In this embodiment, the user terminal 5 is provided with an electronic personal identification medium 510 , a personal identification guide section 520 and a position confirmation section 530 .

The identity verification guidance unit 520 communicates with ATMs 1 nearby to acquire guidance periods, and if it is during the guidance period, notifies the user of guidance for identity verification and the location of the nearest ATM 1 . The personal identification guide unit 520 is configured, for example, like an application program installed in a smartphone or the like.

The position confirmation unit 530 identifies the position of the user terminal 5 using GPS (Global Positioning System) or the like.

As shown on the right side of FIG. 13 , the identity verification guide unit 520 periodically detects the position of its own device (user terminal 5) (S81), refers to an external map server (not shown), and The ATM 1 within a predetermined range is detected from the terminal 5 (S82).

When the identity verification guidance unit 520 can detect the ATM 1 within the predetermined range (S83: YES), it determines whether or not it is the guidance period (S84). is notified to the user. If the ATM 1 within the predetermined range is not detected (S83: NO), or if it is not the guidance period (S84: NO), the identity verification guide section 520 returns to step S81.

The guide period for the user who owns the user terminal 5 can be managed within the identity verification guide section 520 . The identity verification guidance unit 520 can manage the identity verification time limit, guidance period, etc., based on the identity verification result e-mail sent from the identity verification server 2 . Alternatively, the identity verification deadline may be transmitted from the identity verification server 2 to the user terminal 5 periodically or irregularly.

The guidance message G2 is, for example, a text such as "The deadline for identity verification is approaching (until XX, 2021). You can verify your identity at a nearby ATM." can include

When the user arrives at the ATM 1 to which he or she has been guided, the user performs identity verification procedures from the ATM 1 using the electronic identity verification medium 510 as described in the second embodiment.

The present embodiment configured in this way also has the same effect as the first embodiment. Furthermore, in the present embodiment, the user terminal 5 judges whether it is the guidance period and whether there is an ATM 1 within a predetermined range, and notifies the user of it, thereby further improving convenience.

In addition, the present invention is not limited to the above-described embodiments, and includes various modifications. For example, the above-described embodiments have been described in detail in order to explain the present invention in an easy-to-understand manner, and are not necessarily limited to those having all the described configurations. It is also possible to replace part of the configuration of one embodiment with the configuration of another embodiment, or to add the configuration of another embodiment to the configuration of one embodiment. Moreover, it is possible to add, delete, or replace a part of the configuration of each embodiment with another configuration. Information such as programs, tables, and files that implement each configuration can be stored in recording devices such as memory, hard disks, SSDs (Solid State Drives), or recording media such as IC cards, SD cards, and DVDs. can.

1: Automatic teller machine, 2: Identity verification server, 3: Accounting system host, 4: Operator terminal, 5: User terminal, 110: ATM function execution unit, 120: Identity verification information acquisition unit, 210: Identity verification information management Section 220: Identity verification result management table 310: Customer information table 410: Correction/confirmation section 510: Electronic identity verification medium 520: Identity guidance section

Claims (9)

An automated teller machine,
A control unit, a communication unit, and a user interface unit,
The control unit
Upon receiving a request for a predetermined transaction from a user,
inquiring of the identity verification server via the communication unit whether identity verification is required when carrying out the predetermined transaction;
When the identity verification server determines that identity verification is necessary within a predetermined period, causing the user interface unit to present information prompting the user to verify identity;
Automated teller machine. The control unit
Upon receiving a request for the predetermined transaction from the user,
Acquiring the account information of the user and transmitting the acquired account information from the communication unit to the identity verification server, thereby informing the identity verification server whether the identity verification is necessary when performing the predetermined transaction. inquiry,
By referring to predetermined management information in which the account information and the information related to the identity verification of the user are associated in the identity verification server, it is determined that the identity verification is necessary within the predetermined period. when the user interface unit presents information prompting the user to confirm the identity of the user;
The automatic teller machine according to claim 1. The predetermined period is a guidance period set for identity verification of the user,
The automatic teller machine according to claim 2. The guidance period is calculated based on the expiration date of an identity verification medium that stores identity verification information of the user, a risk evaluation value set for the user, and the date and time of the previous identity verification.
The automatic teller machine according to claim 3. The control unit
presenting, through the user interface unit, an identity verification execution menu for identity verification to the user;
When the user selects the identity verification execution menu, identity verification medium information used for identity verification from the identity verification medium via an identity verification information acquisition unit that acquires information from the identity verification medium of the user. and get
obtaining user image data including the face of the user;
requesting identity verification to the identity verification server by transmitting the user image data and the identity verification medium information to the identity verification server;
The automatic teller machine according to claim 4. The identity verification server performs the identity verification based on the user image data and the identity verification medium information, and in a predetermined case transmits the result of the identity verification to the operator terminal, and the operator terminal makes a decision. Confirming the identity verification by receiving
The automatic teller machine according to claim 5. The identity verification server transmits the result of the identity verification to the accounting system host that executes the predetermined transaction and the user terminal used by the user.
The automatic teller machine according to claim 6. An automated cash transaction system,
The automatic teller machine, the personal identification server, and the user terminal are connected via a communication network,
The automatic teller machine includes a control unit, a communication unit, and a user interface unit,
The control unit
Upon receiving a request for a predetermined transaction from a user,
inquiring of the identity verification server via the communication unit whether identity verification is required when carrying out the predetermined transaction;
When the identity verification server determines that identity verification is necessary within a predetermined period, causing the user interface unit to present information prompting the user to verify the identity,
The user terminal, when the automatic teller machine exists within a predetermined range and is within a predetermined period set for the user, sends information prompting the location of the automatic teller machine within the predetermined range and the identity verification. to display
Automated cash transaction system. A personal identification method using an automatic teller machine,
The automatic teller machine includes a control unit, a communication unit, and a user interface unit,
The control unit
Upon receiving a request for a predetermined transaction from a user,
inquiring of the identity verification server via the communication unit whether identity verification is required when carrying out the predetermined transaction;
When the identity verification server determines that identity verification is necessary within a predetermined period, causing the user interface unit to present information prompting the user to verify the identity,
presenting, through the user interface unit, an identity verification execution menu for identity verification to the user;
When the user selects the identity verification execution menu, identity verification medium information used for identity verification from the identity verification medium via an identity verification information acquisition unit that acquires information from the identity verification medium of the user. and get
obtaining user image data including the face of the user;
requesting identity verification to the identity verification server by transmitting the user image data and the identity verification medium information to the identity verification server;
A personal identification method using an automated teller machine.

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