JP2023013003A - Cash automatic transaction system - Google Patents

Abstract

To perform automatic transaction of cash on condition that multi-stage processing including face authentication processing is completed.SOLUTION: In a cash automatic transaction system, a server executes pre-registration processing to generate a provisional registration management number two-dimensional barcode on the basis of face authentication data from a personal identification device. The personal identification device executes second face authentication processing based on the provisional registration management number two-dimensional barcode displayed on a screen of a mobile phone terminal. The server executes, on receipt of a result indicating success of the processing, update processing to migrate from provisional registration to official registration. A cash automatic transaction device executes third face authentication processing on condition that a passcode is input, makes a balance inquiry to a target account on the basis of account information and the passcode when the processing is successful, executes official registration processing for cardless transaction when a result of the balance inquiry is normal, executes fourth face authentication processing on condition that the passcode is input, and starts transaction on the target account on condition that an expiration date of a cashcard is valid when the fourth face authentication processing is successful.SELECTED DRAWING: Figure 1

Description

TECHNICAL FIELD The present invention relates to an automatic cash transaction system that performs automatic cash transactions by transmitting and receiving information to and from a mobile phone terminal.

In recent years, there has been a growing demand for automatic teller machine transactions at financial institutions to be able to make transactions using only the customer's own mobile phone terminal, without using a cash card. there is

At this time, in order to confirm that the person is using the mobile phone terminal, face matching is performed in advance between the face image of the identity verification document such as a driver's license and the face image of the face photo taken, and the person is identified. If it can be confirmed, the two-dimensional barcode indicating the verification result is downloaded to the mobile phone terminal, and by reading the two-dimensional barcode displayed on the mobile phone terminal with the automatic teller machine, without using a cash card, trading becomes possible.

However, there are security risks such as spoofing and phishing that occur with cashless payments, so security measures such as encryption of data downloaded to mobile phone terminals and multi-step authentication methods are implemented. It is necessary to realize secure cardless transactions with

Here, a method has been proposed for personal identification using a mobile phone terminal (see Patent Document 1). This method is a method of acquiring data required for personal identification using only the mobile phone terminal possessed by the user. Also, an automated teller machine capable of personal identification has been proposed (see Patent Document 2). This automatic teller machine enables temporary transactions by performing identity verification with a function of photographing a face image and an identity verification document.

JP 2020-077421 A JP 2019-106005 A

According to Patent Literature 1, it is possible to obtain data required for personal identification using only the mobile phone terminal owned by the user. Further, according to Patent Document 2, a temporary transaction becomes possible by performing identity verification using a function of photographing a face image and an identity verification document provided in an automatic teller machine. However, the methods of each patent document are not sufficient as security measures when performing automatic cash transactions.

An object of the present invention is to perform automatic cash transactions on the condition that multi-stage processing including face authentication processing is completed.

To achieve the above object, the present invention provides a card reader that reads account information recorded on a cash card, a first camera that captures the face of the holder holding the cash card, and a holder that identifies the holder. A personal identification device having a second camera for taking a photograph of the face of the personal identification document, a first information reader for reading information displayed on the screen of the mobile phone terminal held by the holder, and a display screen for displaying the information. and a third camera for photographing the face of the holder, and a second information reader for reading information displayed on the screen of the mobile phone terminal or the display screen of the personal identification device, and operated by the holder. Sending/receiving information to/from an automated teller machine for executing cash transaction processing for the holder's account based on the above, the card reader, the identity verification device, the automated teller machine, and the mobile phone terminal a server, wherein the personal identification device executes a first face authentication process of comparing a first facial image captured by the first camera and a second facial image captured by the second camera; When the first facial image and the second facial image match, the personal face authentication data for identifying the face of the holder is generated, and the server generates at least a two-dimensional provisional registration management number based on the personal face authentication data. A pre-registration process for generating a barcode is executed, and when the temporary registration management number two-dimensional barcode is displayed on the screen of the mobile phone terminal, the personal identification device displays the temporary registration management number two-dimensional barcode. second face authentication processing is executed based on the second face authentication processing, the result of the second face authentication processing is transmitted to the server, and the server receives the result of success of the second face authentication processing from the personal identification device on the condition that the automatic teller machine executes an update process to shift from temporary registration to official registration, and when cardless transaction is selected, the automatic teller machine, on the condition that the personal identification number of the cash card is entered, Execute a third face authentication process, and on the condition that the third face authentication process is successful, make a balance inquiry for the target account specified by the account information based on the account information and the cash card PIN number. performing formal registration processing for formally registering cardless transactions relating to the holder holding the cash card on the condition that the balance inquiry is normal, and transmitting completion of formal registration to the server; When the cardless transaction is selected after the formal registration of the cardless transaction is completed, a fourth face authentication process is executed on the condition that the personal identification number of the cash card is entered. , if the fourth face authentication process is successful, on the condition that the expiration date of the cash card is normal, the target account specified by the account information based on the account information and the password of the cash card characterized by starting a transaction for

According to the present invention, automatic cash transactions can be performed on the condition that multi-stage processing including face authentication processing is completed, and as a result, security measures for automatic cash transactions can be improved and convenience for customers can be improved. can be planned.

1 is a system configuration diagram of a financial institution to which an automatic cash transaction system according to Example 1 of the present invention is applied; FIG. 4 is a configuration diagram of a management table according to Example 1 of the present invention; FIG. It is a flow chart for explaining an outline of processing of an automatic cash transaction system concerning Example 1 of the present invention. It is a transition diagram of personal information pre-registration processing (download method) in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of personal information pre-registration processing (two-dimensional barcode reading method) in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of personal information pre-registration processing (two-dimensional barcode imaging method) in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of the principal re-confirmation process (download method) in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of the identity reconfirmation processing (two-dimensional bar code reading method) in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of the identity reconfirmation process (two-dimensional barcode imaging method) in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of personal information formal registration processing in the automated teller machine system according to the first embodiment of the present invention. It is a transition diagram of cardless transaction processing in the automatic cash transaction system according to the first embodiment of the present invention.

Preferred embodiments of the present invention will now be described in detail with reference to the drawings.

First, using a system configuration diagram of a financial institution, the system configuration and functions of each device required for cardless transactions will be described.

FIG. 1 is a system configuration diagram of a financial institution to which an automatic cash transaction system according to Embodiment 1 of the present invention is applied. In FIG. 1, an accounting system 310 and a cardless transaction/personal identification management server 320 are installed in a financial institution center 300, and a router 110, an automated teller machine 120, and an personal identification control device are installed in a financial institution store 100. 130, an identification device 140, and a card reader 150 are installed. Accounting system 310 and cardless transaction/personal identification management server 320 are connected to each other via network 330 . The cardless transaction/personal identification management server 320 is connected to the personal identification control device 130 via the network 340, the router 110 and the network 112, and the accounting system 310 is connected via the network 350, the router 110 and the network 114. An automatic teller machine 120 is connected. Also, the mobile phone terminal 210 belonging to the customer's property 200 is connected to the accounting system 310 via wireless 360 and 370 . A card reader 150 is connected to the personal identification control device 130 via a USB (Universal Serial Bus) interface 132 , and a personal identification device 140 is connected via a USB interface 134 . The networks 330, 112, and 114 can be LANs (Local Area Networks), and the networks 340 and 350 can be based on, for example, WANs (Wide Area Networks). The wireless 360 can use HTTP (Hypertext Transfer Protocol), and the wireless 370 can use SMS (Short Message Service).

Accounting system 310, cardless transaction/identity verification management server 320, automated teller machine 120, and identity verification control device 130 include, for example, a processor, a main storage device, an auxiliary storage device, an input device, an output device, and a communication device. computer (not shown).

The processor is configured using, for example, a CPU (Central Processing Unit) or an MPU (Micro Processing Unit).

The main storage device is a device that stores computer programs and data, and includes, for example, ROM (Read Only Memory), RAM (Random Access Memory), nonvolatile semiconductor memory, and the like.

Auxiliary storage devices include, for example, hard disk drives, SSDs (Solid State Drives), optical storage media (that is, CDs (Compact Discs), DVDs (Digital Versatile Discs), etc.), storage systems, IC cards (Integrated Circuit Card), SD (Secure Digital) memory card, and other recording medium read/write devices, cloud server storage areas, and the like. Computer programs and data stored in the auxiliary storage device are loaded into the main storage device as needed.

The input device is, for example, a keyboard, mouse, touch panel, card reader, voice input device, or the like. The output device (display device) is a user interface that provides various information such as processing progress and processing results to the user. The output device is, for example, a screen display device (ie, liquid crystal monitor, LCD (Liquid Crystal Display), graphic card, etc.), an audio output device (ie, speaker, etc.), or a printing device.

A communication device is a wired or wireless communication interface that realizes communication with another device via a communication means such as a LAN or the Internet. The communication device is, for example, a NIC (Network Interface Card), a wireless communication module, a USB (Universal Serial Bus) module, or a serial communication module.

The card reader 150 reads the magnetic information (account information) recorded on the cash card 220 belonging to the customer-possessed item 200 and transfers the read magnetic information to the personal identification control device 130 . The personal identification device 140 includes a face camera (first camera) that photographs the face of the holder (customer) holding the cash card, and a personal identification document 230 that identifies the holder, such as a driver's license. A medium camera (second camera), an information reader (first information reader) that reads information displayed on the screen of a mobile phone terminal (for example, a smartphone) 210 held by a holder, and a display screen that displays information. (neither shown).

At this time, the personal identification device 140 captures information on the facial image (first facial image) taken by the medium camera from the facial photograph of the personal identification document 230, and captures the face of the customer holding the mobile phone terminal 210 by the facial camera. A first face authentication process is executed for photographing, capturing information of the captured face image (second face image), and comparing the first face image and the second face image based on each captured information. , when the first face image and the second face image match, the personal face authentication data for identifying the owner's face is generated, and the generated personal face authentication data is transferred to the personal identification control device 130 . The personal identification control device 130 collectively transfers the information from the personal identification device 140 and the information from the card reader 150 to the cardless transaction/personal identification management server 320 via the router 110 .

The automatic teller machine 120 includes a face camera (third camera) that captures the face of the holder, and an information reader (second information reader), and executes cash transaction processing for the holder's account based on the holder's operation. At this time, the automated teller machine 120 takes in information (two-dimensional barcode) from the mobile phone terminal 210, and also captures the personal identification document 230 belonging to the customer-possessed item 200, for example, a face photograph of a driver's license, through a built-in face camera. , and transfers the captured information to the accounting system 310 and the cardless transaction/personal identification management server 320 via the router 110 .

The cardless transaction/identity verification management server 320 transmits and receives information via the card reader 150, the identity verification device 140, the automatic teller machine 120, the router 110, and the identity verification control device 130, and Information is transmitted/received to/from the mobile phone terminal 210 via the system 310 .

At this time, the cardless transaction/identity verification management server 320 executes pre-registration processing to generate at least a two-dimensional barcode of the temporary registration management number based on the face authentication data generated by the identity verification device 140, and performs pre-registration. The processing result is transferred to the personal identification device 140 . When the temporary registration management number two-dimensional barcode is displayed on the screen of the mobile phone terminal 210, the personal identification device 140 executes the second face authentication process based on the temporary registration management number two-dimensional barcode, and confirms the second face. The result of authentication processing is sent to the cardless transaction/personal identification management server 320 . The cardless transaction/personal identification management server 320 performs an update process to transition from temporary registration to formal registration on the condition that a result indicating that the second face authentication processing has been successful is received from the personal identification device 140 .

After the cardless transaction/identity verification management server 320 has executed the update process, the automatic teller machine 120 performs the first operation on the condition that the personal identification number of the cash card 220 is input when the cardless transaction is selected. Three face authentication processes are executed, and on the condition that the third face authentication process is successful, the accounting system 310 makes a balance inquiry for the target account specified by the account information based on the account information and the personal identification number of the cash card 220. and on the condition that the balance inquiry is normal, formal registration processing is executed to formally register the cardless transaction concerning the holder (customer) holding the cash card 220, and the formal registration is completed. to the wireless transaction/personal identification management server 320. Thereafter, the automatic teller machine 120 executes the fourth face authentication process on the condition that the personal identification number of the cash card 220 is input when the cardless transaction is selected after the formal registration of the cardless transaction is completed. Then, if the fourth face authentication process is successful, on the condition that the expiration date of the cash card 220 is normal, the transaction for the target account specified by the account information based on the account information and the password of the cash card 220 is performed. to start.

FIG. 2 is a configuration diagram of a management table according to Example 1 of the present invention. In FIG. 2, the management table 400 is a table stored in the storage device of the cardless transaction/personal identification management server 320, and consists of server registration information 410 and a two-dimensional bar code 420. FIG. The two-dimensional barcode 420 is composed of a download/reading method 430 and a photographing method 440 . The server registration information 410 includes item number 450, provisional/official type 452, provisional/official registration management number 454, and personal face authentication data 456 as items of information recorded in the storage device of the cardless transaction/identity verification management server 320. , account information (magnetic information) 458, personal phone number 460, PIN (Personal Identification Number) code 462, provisional/official expiration date 464, provisional/official reference URL (Uniform Resource Locator) information 466, provisional registration It consists of a management number two-dimensional bar code 468 and a cardless transaction two-dimensional bar code 470 .

When the download/reading method 430 is adopted when registering the server registration information 410 as a two-dimensional barcode 420, the case number 450, the provisional/official type 452, the provisional/official registration management number 454, the personal face authentication data 456, the account Information (magnetic information) 458, telephone number 460, PIN code 462, temporary/official expiration date 464, temporary/official reference URL information 466, temporary registration management number two-dimensional barcode 468, cardless transaction two-dimensional barcode 470 Information is recorded for all items in On the other hand, when the shooting method 440 is adopted, except for the items of the PIN code 462 and the provisional/official reference URL information 466, the item number 450, the provisional/official type 452, the provisional/official registration management number 454, and the personal face authentication data. 456, account information (magnetic information) 458, personal telephone number 460, provisional/formal expiration date 464, provisional registration management number two-dimensional bar code 468, cardless transaction two-dimensional bar code 470 are recorded. That is, the provisional/official reference URL information 466 and the presence or absence of the PIN code 462 for accessing it differ depending on the download method of the two-dimensional barcode. When information is recorded in the fields of download/reading method 430 and shooting method 440, a circle mark is added.

FIG. 3 is a flow chart for explaining an outline of processing of the automatic cash transaction system according to the first embodiment of the present invention. In FIG. 3, as a pre-registration process, the identity verification device 140, for example, stores face image information of the face photograph attached to the identity verification document 230 and face image information obtained by photographing with a face camera. Then, face authentication processing (first face authentication processing for personal identification) is performed to determine whether the information on the two matches (S1). (S2), and if a negative determination result is obtained in step S2 (NG), the process returns to step S1, steps S1 and S2 are repeated, and if a positive determination result is obtained in step S2 (OK ), the identity verification authentication data is transferred to the cardless transaction/personality verification management server 320 via the identity verification control device 130 .

The cardless transaction/identity verification management server 320 acquires the magnetic information including the account information recorded in the cash card 220 from the identity verification control device 130 as the information acquired by the card reader 150, and also receives the identity verification authentication data. Various types of information are fetched from the control device 130 and registered in the storage device in association with the provisional registration management number (S3). Thereafter, the cardless transaction/identity verification management server 320 generates a two-dimensional barcode as a temporary registration management number two-dimensional barcode based on the temporary registration information including the temporary registration management number, face authentication data, and account information. Then, the generated temporary registration management number two-dimensional bar code is transferred to the accounting system 310 (S4). Thereafter, the mobile phone terminal 210 accesses the accounting system 310 and acquires the temporary registration management number two-dimensional barcode from the accounting system 310 (S5). Next, the cardless transaction/personal identification management server 320 deletes the two-dimensional barcode in the server (S6).

After that, the identity verification device 140 performs identity reconfirmation processing for performing identity verification again. The face image information is compared with the information of the face image obtained, and face authentication processing (second face authentication processing) is performed to determine whether the information on the two matches (S7). It is determined whether or not it has been confirmed (S8), and if a negative determination result is obtained in step S8 (NG), the process returns to step S1, the processing of steps S1 to S7 is repeated, and a positive determination result is obtained in step S8. If so (OK), the personal face authentication data is transferred to the cardless transaction/personal identification management server 320 via the personal identification control device 130 .

The cardless transaction/personal identification management server 320 generates a two-dimensional barcode for cardless transaction based on the official registration information including the official management number, face authentication data, and account information, and generates a cardless transaction 2 The dimensional barcode is transferred to the accounting system 310 (S9). Thereafter, the mobile phone terminal 210 accesses the accounting system 310 and acquires the cardless transaction two-dimensional barcode from the accounting system 310 (S10). Next, the cardless transaction/personal identification management server 320 deletes the two-dimensional barcode in the server (S11).

Thereafter, the automatic teller machine 120 transmits and receives information including the two-dimensional bar code for cardless transactions to and from the mobile phone terminal 210, and executes formal registration processing for personal identification (S12). For example, the automatic teller machine 120 compares the facial image information of the facial photograph attached to the personal identification document 230 with the facial image information extracted from the two-dimensional bar code for cardless transaction, and compares the information of both. match (third face authentication process). At this time, the automated teller machine 120 determines whether or not the identity of the person has been confirmed from the result of the face authentication process (S13). Returning to step S1, the processing of steps S1 to S13 is repeated, and if a positive determination result is obtained in step S13 (OK), the official registration is completed on the condition that the balance inquiry to the accounting system 310 is completed. is notified to the cardless transaction/personal identification management server 320 .

After that, the automatic teller machine 120 transmits and receives information including the two-dimensional bar code for cardless transaction to and from the mobile phone terminal 210, and obtains the information of the face image photographed by the face camera and the two-dimensional bar code for cardless transaction. The face image information extracted from the code is compared with the face image information, and face authentication processing (fourth face authentication processing) is performed to see if the information on the two matches. , the cardless transaction processing is executed (S15), and then the processing in this routine ends.

FIG. 4 is a transition diagram of personal information pre-registration processing (download method) in the automated teller machine system according to the first embodiment of the present invention. FIG. 4 illustrates the process of receiving a two-dimensional bar code by downloading when registering personal information for cardless transactions in advance.

Card reader 140 connected to identity verification control device 130 reads magnetic information including account information recorded in cash card 220 (A1), and transmits the read magnetic information to cardless transaction via identity verification control device 130. /Transfer to the personal identification management server 320 (A2, A3).

A personal identification device 140 connected to a personal identification control device 130 takes a face photograph of a personal identification document 230 with a built-in medium camera to generate a face image, and carries a mobile phone terminal 210 with a built-in face camera. A person's face is photographed to generate a face image (A4), and face authentication processing (first face authentication processing) is performed to determine whether the generated face images match each other. At this time, when confirming that the generated face images match each other, the personal identification device 140 generates personal face authentication data, and sends the generated personal face authentication data to the cardless transaction/ Transfer to the personal identification management server 320 (A5, A3).

When the phone number of the mobile phone terminal 210 is entered, the identity verification device 140 transfers the entered phone number of the mobile phone terminal 210 to the cardless transaction/personal authentication management server 320 via the identity verification control device 130. (A5, A3).

When a PIN code (personal identification number code) for accessing the URL for receiving the provisional registration management number two-dimensional bar code and the two-dimensional bar code for cardless transaction is entered, the personal identification device 140 confirms the entered PIN code. is transferred to the cardless transaction/personal identification management server 320 via the personal identification control device 130 (A5, A3).

When the cardless transaction/personal identification management server 320 receives magnetic information from the card reader 140 or information (personal face authentication data, telephone number, PIN code) from the personal identification device 140, based on the received information, A temporary registration management number for formal registration is generated, and a two-dimensional barcode is generated from the temporary registration information including the temporary registration management number, personal face authentication data, and account information. In addition, the cardless transaction/identity verification management server 320 generates a URL for receiving a temporary registration management number two-dimensional barcode containing face authentication data. After that, the cardless transaction/identity verification management server 320 transmits the URL for receiving the provisional registration management number two-dimensional barcode to the phone number of the mobile phone terminal 210 registered in advance. (SMS) (A6). Thereafter, the cardless transaction/personal identification management server 320 registers information indicating that the provisional registration has been completed in the management table that manages the mobile phone terminal 210 . This completes the pre-registration of the personal information of the person who owns the mobile phone terminal 210 .

FIG. 5 is a transition diagram of personal information pre-registration processing (two-dimensional barcode reading method) in the automated teller machine system according to the first embodiment of the present invention. In FIG. 5, in pre-registration of personal information for performing cardless transactions, a method of reading a two-dimensional barcode displayed on the personal identification device 140 for receiving a two-dimensional barcode will be described.

Card reader 140 connected to identity verification control device 130 reads magnetic information including account information recorded in cash card 220 (A1), and transmits the read magnetic information to cardless transaction via identity verification control device 130. /Transfer to the personal identification management server 320 (A2, A3).

A personal identification device 140 connected to a personal identification control device 130 takes a face photograph of a personal identification document 230 with a built-in medium camera to generate a face image, and carries a mobile phone terminal 210 with a built-in face camera. A person's face is photographed to generate a face image (A4), and face authentication processing (first face authentication processing) is performed to determine whether the generated face images match each other. At this time, when confirming that the generated face images match each other, the personal identification device 140 generates personal face authentication data, and sends the generated personal face authentication data to the cardless transaction/ Transfer to the personal identification management server 320 (A5, A3).

When a PIN code for accessing the URL for receiving the provisional registration management number two-dimensional barcode and the cardless transaction two-dimensional barcode is input, the personal identification device 140 transmits the information of the input PIN code to the personal identification number. It is transferred to the cardless transaction/personal identification management server 320 via the confirmation control device 130 (A5, A3).

When the cardless transaction/personal identification management server 320 receives magnetic information from the card reader 140 and information (personal face authentication data, PIN code) from the personal identification device 140, the cardless transaction/personal identification management server 320 performs formal registration based on the received information. A temporary registration management number is generated for performing the registration, and a two-dimensional barcode is generated from the temporary registration information including the temporary registration management number, face authentication data, and account information. In addition, the cardless transaction/identity verification management server 320 generates a URL for receiving a temporary registration management number two-dimensional barcode including personal face authentication data, and also generates a two-dimensional URL for receiving a temporary registration information two-dimensional barcode. Generate a barcode. Thereafter, the cardless transaction/identity verification management server 320 transfers the two-dimensional barcode of the URL for receiving the temporary registration management number two-dimensional barcode to the identity verification device 140 via the identity verification control device 130 (A6, A7 ).

The personal identification device 140 displays the two-dimensional barcode of the URL for receiving the received temporary registration management number two-dimensional barcode. At this time, the mobile phone terminal 210 uses the two-dimensional barcode reading function to read the displayed two-dimensional barcode of the URL for receiving the temporary registration management number two-dimensional barcode (A8).

Thereafter, the personal identification device 140 notifies the cardless transaction/personal identification management server 320 of information indicating that the provisional registration has been completed via the personal identification control device 130 (A5, A3). When the cardless transaction/identity verification management server 320 receives the notification from the identity verification device 140 , it registers information indicating that the provisional registration has been completed in the management table that manages the mobile phone terminal 210 . This completes the pre-registration of the personal information of the holder of the mobile phone terminal 210 .

FIG. 6 is a transition diagram of personal information pre-registration processing (two-dimensional barcode photographing method) in the automated teller machine system according to the first embodiment of the present invention. In FIG. 6, in the pre-registration of personal information for performing cardless transactions, the two-dimensional barcode displayed on the personal identification device 140 is photographed by the camera function of the mobile phone terminal 210 to obtain the two-dimensional barcode. The processing of the two-dimensional barcode imaging method will be described.

In FIG. 6, card reader 140 connected to identity verification control device 130 reads magnetic information including account information recorded on cash card 220 (A1), and sends the read magnetic information through identity verification control device 130. transfer to the cardless transaction/personal identification management server 320 (A2, A3).

A personal identification device 140 connected to a personal identification control device 130 takes a face photograph of a personal identification document 230 with a built-in medium camera to generate a face image, and carries a mobile phone terminal 210 with a built-in face camera. A person's face is photographed to generate a face image (A4), and face authentication processing (first face authentication processing) is performed to determine whether the generated face images match each other. At this time, when confirming that the generated face images match each other, the personal identification device 140 generates personal face authentication data, and sends the generated personal face authentication data to the cardless transaction/ Transfer to the personal identification management server 320 (A5, A3).

When the cardless transaction/personal identification management server 320 receives the magnetic information from the card reader 140 and the information (personal face authentication data) from the personal identification device 140, the cardless transaction/personal identification management server 320 performs formal registration based on the received information. A temporary registration management number is generated, and a two-dimensional barcode (temporary registration management number two-dimensional barcode) is generated from temporary registration information including the temporary registration management number, face authentication data, and account information. Thereafter, the cardless transaction/identity verification management server 320 transfers the temporary registration management number two-dimensional barcode to the identity verification device 140 via the identity verification control device 130 (A6, A7).

The personal identification device 140 displays the received temporary registration management number two-dimensional barcode. At this time, the mobile phone terminal 210 uses the camera function to photograph the displayed temporary registration management number two-dimensional barcode (A8), and displays the obtained temporary registration management number two-dimensional barcode. At this time, the personal identification device 140 reads the displayed temporary registration management number two-dimensional barcode (A9), and decrypts the read temporary registration management number two-dimensional barcode to obtain a face image of the personal face authentication data. and the face image obtained by photographing the face photograph of the personal identification document 230 with a built-in medium camera, and when it is confirmed that the face images of both match, information indicating that the provisional registration has been completed is sent. , to the cardless transaction/identity verification management server 320 via the identity verification control device 130 (A5, A3).

When the cardless transaction/identity verification management server 320 receives the notification from the identity verification device 140 , it registers information indicating that the provisional registration has been completed in the management table that manages the mobile phone terminal 210 . This completes the pre-registration of the personal information of the person who owns the mobile phone terminal 210 .

FIG. 7 is a transition diagram of the identity reconfirmation process (download method) in the automated teller machine system according to the first embodiment of the present invention. FIG. 7 describes the processing when receiving a two-dimensional bar code by downloading in identity reconfirmation for cardless transactions.

In FIG. 7, the mobile phone terminal 210 accesses the URL for receiving the temporary registration management number two-dimensional barcode, inputs the PIN code pre-registered on the mobile phone terminal 210, and receives the temporary registration management number two-dimensional barcode from the access destination. Download the barcode information, and display the downloaded temporary registration management number two-dimensional barcode on the display screen.

The personal identification device 140 connected to the personal identification control device 130 reads the temporary registration management number two-dimensional bar code information displayed on the mobile phone terminal 210 (A1). At this time, the personal identification device 140 decodes the information of the read temporary registration management number two-dimensional barcode, and acquires the personal face authentication data contained in the temporary registration management number two-dimensional barcode. After that, the personal identification device 140 performs face authentication processing for comparing the acquired face image of the personal face authentication data with the face image of the person (the person holding the mobile phone terminal 210) captured by the face camera of the personal identification device 140. (Second face authentication processing) is executed, and when the identity is confirmed from the comparison result, information indicating that the face authentication is OK (that the face authentication processing is successful) is sent via the identity verification control device 130 Notify the cardless transaction/personal identification management server 320 (A2, A3).

When the cardless transaction/identity verification management server 320 receives the information indicating that the face authentication is OK, the cardless transaction/identity verification management server 320 executes update processing for updating the temporary registration information to the official registration information. At this time, the cardless transaction/identity verification management server 320 generates a two-dimensional bar code for cardless transactions with the official registration information including the official registration number and account information, and the expiration date (the expiration date of the cash card). Generate a URL for receiving a two-dimensional bar code for less transaction. After that, the cardless transaction/identity verification management server 320 transmits the URL for receiving the two-dimensional bar code for cardless transaction to the phone number of the mobile phone terminal 210 registered in advance by radio 370 (SMS) (A4). .

When receiving the URL for receiving the two-dimensional barcode for cardless transaction, the mobile phone terminal 210 accesses the received URL. At this time, the mobile phone terminal 210 inputs the pre-registered PIN code and downloads the two-dimensional bar code for cardless transactions from the access destination. The cardless transaction/personal identification management server 320 deletes the cardless transaction two-dimensional bar code data in the server. As a result, the process of reconfirming the owner of the mobile phone terminal 210 and the update process are completed.

FIG. 8 is a transition diagram of the identity reconfirmation process (two-dimensional barcode reading method) in the automated teller machine system according to the first embodiment of the present invention. FIG. 8 describes processing of a method of reading a two-dimensional barcode displayed on the personal identification device 140 to receive a two-dimensional barcode in identity reconfirmation for performing cardless transactions.

In FIG. 8, the mobile phone terminal 210 accesses the URL for receiving the temporary registration management number two-dimensional barcode, inputs the PIN code pre-registered on the mobile phone terminal 210, and receives the temporary registration management number two-dimensional barcode from the access destination. Download the barcode information, and display the downloaded temporary registration management number two-dimensional barcode on the display screen.

The personal identification device 140 connected to the personal identification control device 130 reads the temporary registration management number two-dimensional bar code information displayed on the mobile phone terminal 210 (A1). At this time, the personal identification device 140 decodes the information of the read temporary registration management number two-dimensional barcode, and acquires the personal face authentication data contained in the temporary registration management number two-dimensional barcode. After that, the personal identification device 140 performs face authentication processing for comparing the acquired face image of the personal face authentication data with the face image of the person (the person holding the mobile phone terminal 210) captured by the face camera of the personal identification device 140. (Second face authentication processing), and if the identity is confirmed from the comparison result, information indicating that the face authentication is OK is notified to the cardless transaction/identity verification management server 320 via the identity verification control device 130 . (A2, A3).

When the cardless transaction/identity verification management server 320 receives the information indicating that the face authentication is OK, the cardless transaction/identity verification management server 320 executes update processing for updating the temporary registration information to the official registration information. At this time, the cardless transaction/identity verification management server 320 generates a two-dimensional barcode for cardless transaction using the official registration information including the official registration number and account information, and the expiration date. Generate a URL for receiving . After that, the cardless transaction/identity verification management server 320 generates a two-dimensional barcode with the URL for receiving the two-dimensional barcode for cardless transaction, (A4, A5).

When the personal identification device 140 receives the two-dimensional barcode of the URL for receiving the two-dimensional barcode for cardless transaction, the personal identification device 140 displays the received two-dimensional barcode for the URL for receiving the two-dimensional barcode for cardless transaction on the screen. . At this time, the mobile phone terminal 210 reads the two-dimensional barcode of the displayed URL for receiving the two-dimensional barcode for cardless transaction using the two-dimensional barcode reading function, and receives the read two-dimensional barcode for cardless transaction. Access the URL for After that, the mobile phone terminal 210 inputs the pre-registered PIN code and downloads the two-dimensional bar code for cardless transaction from the access destination. The cardless transaction/personal identification management server 320 deletes the cardless transaction two-dimensional bar code data in the server. As a result, the process of reconfirming the owner of the mobile phone terminal 210 and the update process are completed.

FIG. 9 is a transition diagram of the identity reconfirmation process (two-dimensional barcode imaging method) in the automated teller machine system according to the first embodiment of the present invention. In FIG. 9, in reconfirmation of the identity for cardless transaction, the two-dimensional barcode displayed on the identity verification device 140 is photographed by the camera function of the mobile phone terminal 210 and obtained. Processing of the dimensional barcode imaging method will be described.

In FIG. 9, the mobile phone terminal 210 displays the temporary registration management number two-dimensional barcode captured by the camera function on the screen. The personal identification device 140 connected to the personal identification control device 130 reads the temporary registration management number two-dimensional bar code information displayed on the mobile phone terminal 210 (A1). At this time, the personal identification device 140 decodes the information of the read temporary registration management number two-dimensional barcode, and acquires the personal face authentication data contained in the temporary registration management number two-dimensional barcode. After that, the personal identification device 140 performs face authentication processing for comparing the acquired face image of the personal face authentication data with the face image of the person (the person holding the mobile phone terminal 210) captured by the face camera of the personal identification device 140. (Second face authentication processing) is executed, and if the identity is confirmed from the comparison result, information indicating that the face authentication is OK is sent to the cardless transaction/identity verification management server 320 via the identity verification control device 130. (A2, A3).

When the cardless transaction/identity verification management server 320 receives the information indicating that the face authentication is OK, the cardless transaction/identity verification management server 320 executes update processing for updating the temporary registration information to the official registration information. At this time, the cardless transaction/personal identification management server 320 generates a two-dimensional bar code for cardless transaction with the official registration information including the official registration number and account information, and the expiration date, and generates a two-dimensional barcode for cardless transaction. The code is transferred to the identity verification device 140 via the identity verification control device 130 (A4, A5).

When receiving the cardless transaction two-dimensional barcode, the personal identification device 140 displays the received cardless transaction two-dimensional barcode on the screen. At this time, the mobile phone terminal 210 captures the displayed two-dimensional bar code for cardless transaction using the camera function, and displays information of the captured two-dimensional bar code for cardless transaction on the screen.

The personal identification device 140 reads the information of the two-dimensional bar code for cardless transactions displayed on the mobile phone terminal 210 (A1). At this time, the personal identification device 140 decodes the information of the read two-dimensional barcode for cardless transaction and acquires the personal face authentication data included in the two-dimensional barcode for cardless transaction. After that, the personal identification device 140 compares the acquired face image of the personal face authentication data with the face image of the person (the person holding the mobile phone terminal 210) captured by the face camera of the personal identification device 140, and the comparison result is Therefore, when the identity is confirmed, information indicating that the face authentication is OK is notified to the cardless transaction/identity verification management server 320 via the identity verification control device 130 (A2, A3). The cardless transaction/personal identification management server 320 deletes the cardless transaction two-dimensional bar code data in the server. As a result, the process of reconfirming the owner of the mobile phone terminal 210 and the update process are completed.

FIG. 10 is a transition diagram of personal information formal registration processing in the automated teller machine system according to the first embodiment of the present invention. FIG. 10 explains processing for officially registering personal information for performing cardless transactions.

In FIG. 10, the mobile phone terminal 210 displays a two-dimensional barcode for cardless transaction on the screen. At this time, the automatic teller machine 120 selects cardless transaction. At this time, the automatic teller machine 120 reads the information of the two-dimensional bar code for cardless transaction displayed on the mobile phone terminal 210 by the bar code reading function (A1). The automated teller machine 120 captures a face image of the person (the person holding the mobile phone terminal 210) using a face image capturing function (third camera), and displays the captured face image and a two-dimensional bar for cardless transactions. A face authentication process (third face authentication process) is performed to compare the face image in the person's face authentication data obtained by decoding the code, and it is confirmed whether the two face images match. When the automatic teller machine 120 confirms that the face images of the two match and the identity of the person is confirmed, the automatic transaction device 120 decodes the two-dimensional bar code for cardless transaction and acquires account information from the two-dimensional bar code for cardless transaction. do. When the personal identification number for the target account is input, the automated teller machine 120 makes a balance inquiry to the accounting system 310 for the target account (A2). When the automatic teller machine 120 receives information from the accounting system 310 indicating that the balance inquiry has been successfully completed (A3), the automatic teller machine 120 confirms that formal registration has been completed with the cardless transaction/personal identification management server 320. (A4). This completes the personal information formal registration process for officially registering the person who owns the mobile phone terminal 210 .

FIG. 11 is a transition diagram of cardless transaction processing in the automated teller machine system according to the first embodiment of the present invention. FIG. 11 describes the cardless transaction processing after formal registration is completed.

In FIG. 11, the mobile phone terminal 210 displays a two-dimensional barcode for cardless transaction on the screen. At this time, the automatic teller machine 120 selects cardless transaction. After that, the automatic teller machine 120 reads the information of the two-dimensional bar code for cardless transaction displayed on the mobile phone terminal 210 by the bar code reading function (A1). The automatic teller machine 120 decodes the read two-dimensional barcode for cardless transactions, and acquires the personal face authentication data, account information, and expiration date (expiration date of the cash card) from the two-dimensional barcode for cardless transactions. do. The automatic teller machine 120 confirms whether the acquired expiration date is within the expiration date, and uses the face image obtained from the face authentication data and the face image photographing function to identify the person (the person holding the mobile phone terminal 210). The face image obtained by photographing the face image is compared with the face image, and a process (fourth face authentication process) of confirming whether the two face images match is executed.

When the automatic teller machine 120 confirms that the face images of both parties match and the identity of the person is confirmed, on the condition that the PIN number for the target account is input, the automatic teller machine 120 performs the transaction regarding the target account to the accounting system 310. (A2). After that, the automatic teller machine 120 receives the processing result regarding the target account from the accounting system 310 (A3), and completes the processing of the transaction regarding the target account. This completes the transaction processing for the target account.

According to this embodiment, automatic cash transactions can be performed on the condition that multi-stage processing including face authentication processing is completed, and as a result, security measures for automatic cash transactions are improved and convenience for customers is improved. can be achieved. In other words, a person who has a mobile phone terminal equipped with a camera function can, after pre-registering his/her own information, use the mobile phone terminal as an automatic teller machine and a financial Automatic cash transactions can be performed on the condition that information is transmitted and received with an agency center and multiple processes including face authentication are completed.

It should be noted that the present invention is not limited to the embodiments described above, but includes various modifications and equivalent configurations within the scope of the appended claims. For example, the cardless transaction/personal identification management server 320 and the accounting system 310 can be integrated into a server. The above-described embodiments have been described in detail for easy understanding of the present invention, and the present invention is not necessarily limited to those having all the described configurations.

In addition, each configuration, function, etc. described above may be realized by hardware, for example, by designing a part or all of them with an integrated circuit, and a processor interprets and executes a program that realizes each function. You may implement|achieve by software by doing.

Information such as programs, tables, files, etc. that realize each function is stored in storage devices such as memory, hard disk, SSD (Solid State Drive), or IC (Integrated Circuit) card, SD card, DVD (Digital Versatile Disc) recording Can be stored on media.

DESCRIPTION OF SYMBOLS 100... Financial institution store, 110... Router, 120... Automatic teller machine, 130... Personal identification control apparatus, 140... Personal identification apparatus, 150... Card reader, 200...・Customer-owned item 210...mobile phone terminal 220...cash card 300...financial institution center 310...accounting system 320...cardless transaction/personal identification management server

Claims (11)

a card reader that reads the account information recorded on the cash card;
A first camera for photographing the face of the holder holding the cash card, a second camera for photographing the face of the identification document identifying the holder, and a mobile phone terminal held by the holder. a first information reader that reads displayed information; an identity verification device that has a display screen that displays information;
It has a third camera that captures the face of the holder and a second information reader that reads information displayed on the screen of the mobile phone terminal or the display screen of the personal identification device, based on the operation of the holder. an automatic teller machine that processes cash transactions for the holder's account during
A server that transmits and receives information to and from the card reader, the personal identification device, the automatic teller machine, and the mobile phone terminal,
The personal identification device is
executing a first face authentication process for comparing a first face image captured by the first camera and a second face image captured by the second camera, and the first face image and the second face image match; When doing so, generating personal face authentication data that identifies the face of the holder,
The server is
performing pre-registration processing for generating at least a temporary registration management number two-dimensional barcode based on the personal face authentication data;
The personal identification device is
When the temporary registration management number two-dimensional barcode is displayed on the screen of the mobile phone terminal, a second face authentication process is executed based on the temporary registration management number two-dimensional barcode, and the second face authentication process is performed. sending the results to said server;
The server is
On the condition that a result indicating that the second face authentication process is successful is received from the personal identification device, an update process is performed to shift from temporary registration to formal registration,
The automatic teller machine is
When cardless transaction is selected, on the condition that the PIN number of the cash card is entered, the third face authentication process is executed, and on the condition that the third face authentication process is successful, the account information and the personal identification number of the cash card, a balance inquiry is made for the target account specified by the account information, and on the condition that the balance inquiry is normal, the cardless Execute formal registration processing to formally register the transaction, send completion of formal registration to the server,
After completion of official registration of the cardless transaction, when the cardless transaction is selected, a fourth face authentication process is executed on condition that the personal identification number of the cash card is entered, and the fourth face authentication process is performed. If successful, on the condition that the expiration date of the cash card is normal, based on the account information and the PIN number of the cash card, start the transaction for the target account specified by the account information A cash automatic transaction system characterized by: The automatic cash transaction system according to claim 1,
The server is
As the pre-registration process, on the condition that the phone number and PIN code of the mobile phone terminal are input, the account information of the holder is input from the card reader, and the face of the holder is input from the personal identification device. Entering authentication data, generating a provisional registration management number for identifying the holder based on the entered information, and provisional registration information including the generated provisional registration management number, the face authentication data, and the account information Generate the temporary registration management number two-dimensional barcode based on the above, generate the temporary registration management number two-dimensional barcode reception URL including the personal face authentication data, and generate the temporary registration management number two-dimensional bar An automatic cash transaction system characterized by transmitting a URL for receiving a code to the telephone number of the mobile phone terminal as a transmission destination. The automatic cash transaction system according to claim 1,
The server is
As the pre-registration process, on the condition that the PIN code is entered, the account information of the holder is entered from the card reader, and the face authentication data is entered from the identity verification device. A temporary registration management number that identifies the holder is generated based on each information obtained, and the temporary registration management number is based on the temporary registration information including the generated temporary registration management number, the personal face authentication data, and the account information. A two-dimensional barcode is generated, a URL for receiving the temporary registration management number two-dimensional barcode is generated, and a URL for receiving the temporary registration management number two-dimensional barcode is generated based on the URL for receiving the temporary registration management number two-dimensional barcode. An automatic cash transaction system characterized by generating a two-dimensional barcode of a URL and transmitting the generated two-dimensional barcode of the URL for receiving the temporary registration management number two-dimensional barcode to the personal identification device. The automatic cash transaction system according to claim 1,
The server is
As the pre-registration process, the holder's account information is input from the card reader, the personal face authentication data is input from the personal identification device, and the holder is specified based on the input information. generating a temporary registration management number, generating the temporary registration management number two-dimensional bar code based on the temporary registration information including the generated temporary registration management number, the personal face authentication data, and the account information; An automatic cash transaction system characterized by transmitting a registration management number two-dimensional bar code to the personal identification device. The automatic cash transaction system according to claim 1,
The personal identification device is
As the second face authentication processing, the temporary registration management number two-dimensional barcode is read, the read temporary registration management number two-dimensional barcode is decoded to acquire the personal face authentication data, and the acquired personal face authentication is performed. A third face image obtained from the data is compared with a fourth face image captured by the first camera, and if the third face image and the fourth face image match, the second face authentication process is performed. An automatic cash transaction system characterized by transmitting a result of success to the server. The automatic cash transaction system according to claim 1,
The personal identification device is
In the second face authentication process, when the two-dimensional barcode of the URL for receiving the temporary registration management number two-dimensional barcode is received from the server, the two-dimensional barcode of the received URL for receiving the temporary registration management number two-dimensional barcode When the barcode is displayed and then the temporary registration management number two-dimensional barcode is displayed on the screen of the mobile phone terminal, the temporary registration management number two-dimensional barcode is read, and the read temporary registration management number 2 The dimensional barcode is decoded to obtain the personal face authentication data, the third face image obtained from the obtained personal face authentication data is compared with the fourth face image captured by the first camera, 3. An automatic cash transaction system, wherein, when the facial image matches the fourth facial image, a result of success of the second facial authentication processing is transmitted to the server. The automatic cash transaction system according to claim 1,
The personal identification device is
As the second face authentication processing, when the information of the temporary registration management number two-dimensional barcode is received from the server, the received information of the temporary registration management number two-dimensional barcode is displayed on the display screen, When a two-dimensional barcode corresponding to the temporary registration management number two-dimensional barcode is displayed on the screen of the telephone terminal, the information of the two-dimensional barcode displayed on the screen of the mobile telephone terminal is read, and the read determining whether or not the information of the two-dimensional barcode and the information of the temporary registration management number two-dimensional barcode received from the server match; When the barcode is displayed, read the temporary registration management number two-dimensional barcode, decode the read temporary registration management number two-dimensional barcode to acquire the personal face authentication data, and obtain the personal face authentication A third face image obtained from the data is compared with a fourth face image captured by the first camera, and if the third face image and the fourth face image match, the second face authentication process is performed. An automatic cash transaction system characterized by transmitting a result of success to the server. The automatic cash transaction system according to claim 1,
The server is
As the update process, when receiving a result indicating that the second face authentication process has succeeded, a formal registration control number that identifies the holder is generated, and a provisional registration containing the generated formal registration control number and the account information is performed. A two-dimensional bar code for cardless transactions is generated based on the registration information and the information on the expiration date of the cash card, and the generated two-dimensional bar code for cardless transactions is transmitted to the telephone number of the mobile phone terminal. An automatic cash transaction system characterized by transmitting as a destination. The automatic cash transaction system according to claim 1,
The server is
As the update process, when receiving a result indicating that the second face authentication process has succeeded, a formal registration control number that identifies the holder is generated, and a provisional registration containing the generated formal registration control number and the account information is performed. generating a two-dimensional barcode for cardless transaction based on registration information and information on the expiration date of the cash card, generating a URL for receiving the two-dimensional barcode for cardless transaction, and generating the generated cardless transaction; Send the two-dimensional barcode of the URL for receiving the two-dimensional barcode to the personal identification device,
The personal identification device is
When the two-dimensional barcode of the URL for receiving the two-dimensional barcode for cardless transaction is received from the server, the received two-dimensional barcode of the URL for receiving the two-dimensional barcode for cardless transaction is displayed. Automatic cash transaction system. The automatic cash transaction system according to claim 1,
The server is
As the update process, when receiving a result indicating that the second face authentication process has succeeded, a formal registration control number that identifies the holder is generated, and a provisional registration containing the generated formal registration control number and the account information is performed. generating a two-dimensional barcode for cardless transactions based on registration information and information on the expiration date of the cash card, and transmitting information of the generated two-dimensional barcode for cardless transactions to the personal identification device;
The personal identification device is
An automatic cash transaction system, wherein when the information of the two-dimensional bar code for cardless transaction is received from the server, the received information of the two-dimensional bar code for cardless transaction is displayed. The automatic cash transaction system according to claim 1,
The automatic teller machine is
As the third face authentication processing, the information of the two-dimensional barcode for cardless transaction displayed on the screen of the mobile phone terminal is read, the information of the read two-dimensional barcode for cardless transaction is decoded, and the person is authenticated. acquiring face authentication data, comparing a fifth face image obtained from the acquired personal face authentication data with a sixth face image captured by the third camera, and comparing the fifth face image with the sixth face image; If they match, decrypt the information of the read two-dimensional barcode for cardless transaction to acquire the account information,
As the fourth face authentication processing, the information of the two-dimensional barcode for cardless transaction displayed on the screen of the mobile phone terminal is read, the information of the read two-dimensional barcode for cardless transaction is decrypted, and the Personal face authentication data is acquired, a seventh face image obtained from the acquired personal face authentication data is compared with an eighth face image captured by the third camera, and the seventh face image and the eighth face are compared. An automatic cash transaction system, wherein the information of the read two-dimensional bar code for cardless transaction is decoded to acquire the account information when the image matches the image.

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