JP2855102B2 - Transaction processing system based on human body feature recognition - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention obtains characteristic data of a human body in the order of customers waiting for operation of an automatic transaction apparatus of a financial institution, and obtains account information of the customer from a host computer in advance before starting operation of the customer. A transaction processing system and transaction processing for displaying the necessary information from the account information on the display input unit to shorten the transaction processing time when the customer approaches the automatic transaction apparatus and selects a transaction subject; About the method.

[0002]

2. Description of the Related Art Conventionally, in a customer-operated automatic transaction device,
After selecting the transaction item, if it is a payment transaction, the security code and the amount of money, if it is a transfer transaction, the name of the financial institution, branch name,
Enter the transfer destination information such as the account, account number and recipient name, and the client information such as your name, name, telephone number, etc., and send these, the transaction item and account number to the host computer, and send them to the host computer. After the predetermined processing by the data processing unit, the automatic transaction apparatus performs an input processing according to the transaction item. As a conventional transaction example, FIG. 13 illustrates a conventional payment transaction example, and FIG. 14 illustrates a conventional transfer transaction example.

[0003]

[0004] In a corner of a financial institution or the like in which an automatic transaction apparatus is installed, a plurality of automatic transaction apparatuses are installed, and during a busy day or a busy hour, operation of the automatic transaction apparatus is awaited. It is common for a customer queue to be formed. In addition, new business such as time deposit and account opening can be traded with the automatic transaction device, and the number of users is expected to increase further. Therefore, in order to reduce the customer's operation waiting time without unnecessarily increasing the number of automated transaction machines installed,
It is necessary to shorten the operation time per subject transaction in automatic transaction equipment.

[0004]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention identifies a customer in an operation queue of an automatic transaction apparatus prior to starting a transaction, and preliminarily stores account information held by a host computer in a terminal controller or a terminal controller. When the customer in the queue picks up an item, the predetermined information is extracted from the received account information and displayed on the display / input unit. In this case, it was decided to shorten the transaction time by omitting the input of the name of the financial institution, branch, account, account number, recipient or client name, and telephone number. In the present invention,
A technique for extracting a feature of a human body and specifying an individual, that is, Japanese Patent Publication No. Hei 5-84166 "Iris Recognition System",
4185 “Individual identification method and device”, JP-A-7-651
49, based on the technology disclosed in "Person Recognition Apparatus", it is assumed that it is possible to extract the characteristics of a human body at a certain distance and specify an individual. Also, a method of confirming the identity and automatically displaying the input information prior to the operation of starting the transaction is disclosed in Japanese Patent Application No. 7-34586 as a related invention of the present invention.
5 has been filed by the same applicant as the present application.

[0005]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In an automatic transaction system such as a financial institution, in the case of a payment transaction, usually, in order to guarantee the legitimacy of the transaction, a password entered and a password registered in a host computer are used. -Data is compared to confirm the identity.
When the personal identification by the password is completed, the host computer performs predetermined processing based on the data such as the account number and the amount of money, and the transaction proceeds. If it is a transfer transaction, enter the transferee information such as the name of the financial institution, branch name, account, account number, recipient name, etc. of the transferee, and the client information such as your name, name, telephone number, etc. The transaction item and account number are transmitted to the host computer, and after a predetermined process by the host computer, the automatic transaction device performs an input process according to the transaction item. According to the invention of Japanese Patent Publication No. 5-84166 "Iris recognition system", JP-A-2-224185 "Personal identification method and apparatus" and JP-A-7-65149 "Person recognition apparatus", the invention can be performed in a shorter time than the password method. Identity verification is possible when the operator approaches the device, and based on this fact, the present invention performs identity verification when the customer is in a queue waiting for operation prior to the start of the operator's transaction. The feature is that the required information is immediately extracted from the customer information held by the host computer and sent to a terminal controller or an automatic transaction device to shorten the transaction time and simplify the operation.

The configuration of the drawings will be described below. FIG. 1 is a diagram showing an example of an automatic transaction apparatus according to the present invention. FIG.
Is a system configuration diagram showing the whole of the present invention. FIG. 3 is a main file-related diagram of the host computer. FIG. 4 is a queue management table held by the terminal controller. FIG. 5 shows data received from the host computer to the terminal controller. FIG. 6 is an operation flow 1 of the present invention. FIG. 7 shows an operation flow 2 of the present invention.
It is. FIG. 8 is an operation flow 3 of the present invention. FIG.
Is operation flow 4 of the present invention. FIG. 10 shows the state transition of the queue management table. FIG. 11 is a payment transaction according to the present invention. FIG. 12 shows a transfer transaction according to the present invention. FIG. 13 is an example of a conventional payment transaction. FIG.
Is an example of a conventional transfer transaction. 1, 2 and 3,
1 is an automatic transaction device, 2 is a proximity sensor, 3 is a camera, 4 is a display input section, 5 is a bill insertion / ejection port, 6 is a card insertion / ejection port, 7 is a slip exit, and 8 is a passbook insertion / ejection. Exit, 1
1 is a central processing unit, 12 is a reference descriptor table, 13 is a customer information file, 14 is a communication control device, 15 is a host computer, 16 is a communication line, 17 is a terminal controller, 18 is a characteristic data acquisition unit, and 19-1. 19-5 is an automatic transaction device, 20-1 and 20-2 are operation waiting customers, 21 is an operation waiting customer queue, 31 is a CIF (customer information file), 32 is a reference descriptor table, and 33 is an ordinary deposit master. File. In FIG. 4, 41 is
The validity / invalidity of the information registered in the queue management table with the valid / invalid identifier, 42 indicates whether or not the reference descriptor exists in the host computer, 43 indicates the order of the queue of the operation waiting customer. , 44 is the customer ID, 45 is
18, the descriptor derived by the feature extraction unit, 46 indicates whether account information has been received from the host computer, 47 indicates
Indicates the address of the memory where the account information is stored. FIG.
, 51 and 53 are customer IDs, and 52 and 54 are
Indicates that no account information or reference descriptor corresponding to the customer exists.

Hereinafter, the present invention will be described in detail with reference to the drawings. In FIG. 2, reference numerals 19-1 to 19-5 are automatic transaction devices, which are arranged in a horizontal line along the wall surface. 20-1,
20-2 is a customer waiting for the operation of an automatic transaction device,
It forms a single queue for adoption at financial institution cash service corners. Reference numeral 18 denotes a feature data acquisition unit which is installed in the upper part of the automatic transaction apparatus row to capture a human body image of a customer waiting for operation, extracts its features, derives coded data, and sends it to the terminal controller. Said 1
The 8 feature data acquisition unit has a function of swinging up, down, left, and right, and is instructed by a terminal controller (FIG. 6S
1) Point the camera to the left limit (S32 in FIG. 7), capture the human body image and eye image of the customer at the head of the queue of the operation waiting customer, and perform feature extraction and coding using a predetermined method (FIG. 7S33, S34, S35). Thereafter, the 18 feature data acquisition unit is sequentially rotated right (S37 in FIG. 7), and a human image of the next customer is captured, and feature extraction and coding are performed by a predetermined method. When the coding of the human body image is completed up to the right limit customer (S36 in FIG. 7), a series of coded descriptors is sent to the terminal controller (S3 in FIG. 7).
8). Here, the feature extraction of the human body image may be an eye image or a facial feature.

FIG. 4 shows a queue management table.
The terminal controller compares the descriptor sent from the 18 feature data acquisition unit with the 45 descriptors in the table (S3 in FIG. 6).
(S6 in FIG. 6), and the order of the received descriptors is set in the order of 43 (S7 in FIG. 6). If there is a match, the order of the received descriptors is set in the 43 order (S5 in FIG. 6), and the 41 valid / invalid identifier is made valid (S8 in FIG. 6). Hereinafter, S3 to S8 of FIG. 6 are repeated to invalidate the 41 valid / invalid identifier of the descriptor not received this time in the queue management table (FIG. 6S
9). Next, the terminal controller extracts a valid and unreceived customer ID and descriptor from the queue management table (S11 in FIG. 6), and transmits it to the host computer.
The host computer matches the reference descriptor table of FIG. 3 with the received descriptor, and if there is a match, reads out the account information and forms a pair with the customer ID. Then, a message to that effect is added to the customer ID, the message shown in FIG. 5 is edited and transmitted to the terminal controller. The terminal controller receives the message of FIG. 5, that is, the customer ID and account information or the customer ID and no corresponding reference descriptor from the host computer, and determines that the 40 sections of the queue management table of FIG. 4 have been received (S13 in FIG. 6). Set the information address (Fig. 6
S14). After a predetermined time has elapsed, the terminal controller instructs the 18 feature data acquisition unit to start scanning (S15 and S1 in FIG. 6).

When a person approaches the automatic transaction apparatus, the automatic transaction apparatus detects the approach of the human body by the proximity sensor and notifies the terminal controller (FIG. 8 S51, S52). The terminal controller extracts the queue management information of the first customer in the queue management table (S72 in FIG. 9) and notifies the automatic transaction apparatus of no account information or reference descriptor (S73, S74, S75 in FIG. 9). Further, the 41 valid / invalid identifier is invalidated, and the 43 order is sequentially increased (S76, S77 in FIG. 9). When the account information is received and a transaction subject is selected, the automatic transaction device performs identity verification using the account information. The method of confirming the identity differs depending on the selected transaction item, and in the case of a payment transaction, is performed by comparing the shop number and account number of the magnetic stripe of the read card with the shop number and account number of the account information. In the case of a transfer transaction, the name of the client of the account information is displayed on the display unit 4 and the customer confirms this (FIG. 8S).
53, S54, S55). When the identity is confirmed, information necessary for the input guidance is extracted from the account information, and 4
It is displayed on the display input unit (S58 in FIG. 8). When the input by the customer is completed, a transaction message is transmitted to the host computer (S59, S60 in FIG. 8).

<Specific Example 1> Next, a payment transaction according to the present invention will be described with reference to FIGS. When the customer approaches the automatic transaction device, the automatic transaction device knows the approach of the human body by the proximity sensor and receives the account information of the first customer in the queue from the terminal controller (S51 in FIG. 8).
S52, S53). When a payment transaction is selected and the card is read, the store number of the magnetic stripe of the card, the account number and the store number and account number of the account information are compared, and if they match, it is regarded as the principal, and there is no match or there is no 54 reference descriptor , A conventional transaction is performed (S91, S92, S9 in FIG. 11).
3, S94). If they match, the balance is displayed on the display and input unit 4 from the account information, prompting the input of the payment amount, calculating the new balance in the automatic transaction device based on the input of the payment amount, and transmitting it to the host computer (FIG. 11 S95, S9).
7).

<Specific Example 2> Next, a transfer transaction according to the present invention will be described. When the customer approaches the automatic transaction device, the automatic transaction device learns the approach of the human body by the proximity sensor and receives the account information of the first customer in the queue from the terminal controller (S51, S52, S53 in FIG. 8). When the transfer transaction is selected, the name of the client, the telephone number, and the address are displayed on the four-display input unit from the account information, and the customer is made to select whether or not it is valid by using the key effect of the four-display input unit. If improper, a conventional transaction is performed (S11 in FIG. 12).
1, S112, S113, S114, S116). If it is valid, the transfer destination information is displayed on the display / input unit 4 from the account information (S115 in FIG. 12). When the displayed transfer destination is different from the transfer destination intended by the customer, the customer operates the four display input unit to display the next transfer destination information on the four display input unit (FIG. 12: S115, S117, S118, S12).
0). Hereinafter, the amount is input and the same processing as the conventional transaction is performed.

[0012]

According to the present invention, there are provided automatic transaction devices arranged in a horizontal line along a wall, a characteristic data acquisition unit for acquiring characteristic data of a human body, and a queue management table for managing a queue state of a customer waiting for an operation. A terminal controller accommodating the automatic transaction apparatus and the characteristic data obtaining unit, and connected to a host computer via a communication line; a reference descriptor management table in which customer characteristic data is registered in advance; a customer information file; and account information. In the transaction processing system including a host computer, the feature data acquisition unit sequentially captures a human body image of the customer in the front row of the waiting customer, takes in the characteristic data of the human body, and collectively captures the data at a predetermined timing. And the host computer transmits the received descriptor and the reference descriptor of the reference descriptor management table. Comparing the child, reference descriptors considered a match by a predetermined algorithm when present, returns to the association between each customer ID to the terminal controller retrieves the account information from the customer information file. If there is no reference descriptor considered to be a match, that fact is returned to the terminal controller for the customer ID, and when the customer approaches one of the automatic transaction devices, the proximity built in the automatic transaction device is returned. This is detected by the sensor, this information is notified to the terminal controller, and the terminal controller transmits the account information of the first customer of the waiting customer to be managed in the queuing management table to the automatic transaction device, When the customer selects a transaction item, the automatic transaction device that has received the account information selects the information of the relevant item from the received account information, displays the selected item information on the display input unit, and prompts the customer to input. As described above, the input operation is simplified and the operation time is shortened.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of an automatic transaction apparatus according to the present invention.

FIG. 2 is a system configuration diagram showing the entirety of the present invention.

FIG. 3 is a diagram showing the main files of a host computer.

FIG. 4 is a queue management table held by the terminal controller.

FIG. 5 shows data received from a host computer to a terminal controller.

FIG. 6 is an operation flow 1 of the present invention.

FIG. 7 is an operation flow 2 of the present invention.

FIG. 8 is an operation flow 3 of the present invention.

FIG. 9 is an operation flow 4 of the present invention.

FIG. 10 shows a state transition of the queue management table.

FIG. 11 is a payment transaction according to the present invention.

FIG. 12 is a transfer transaction according to the present invention.

FIG. 13 is an example of a conventional payment transaction.

FIG. 14 is an example of a conventional transfer transaction.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Proximity sensor 3 Camera 4 Display input part 5 Bill insertion outlet 6 Card insertion outlet 7 Slip outlet 8 Passbook insertion outlet 11 Central processing unit 12 Reference descriptor table 13 Customer information file 14 Communication control Apparatus 15 Host computer 16 Communication line 17 Terminal controller 18 Feature data acquisition section 19-1 to 19-5 Automatic transaction apparatus 20-1, 20-2 Operation waiting customer 21 Operation waiting customer queue 31 CIF (customer information file) 32 Standard Descriptor Table 33 Savings Master File 41 Valid / Invalid Identifier 42 Identifier Whether Reference Descriptor Exists in Host Computer 43 Order of Queue of Operation Waiting Customers 44 Customer ID 45 18 Derived by Feature Extraction Unit Descriptor 46 Whether account information was received from the host computer Identifier indicating whether or not 47 Address of memory where account information is stored 51, 53 Customer ID 52, 54 Identifier indicating that there is no account information or reference descriptor corresponding to the customer

Claims (5)

(57) [Claims] 1. An automatic transaction device arranged in a horizontal line along a wall surface, a characteristic data acquisition unit for acquiring characteristic data of a human body for identifying at least one customer waiting to operate the automatic transaction device, A queue management table for managing the queue status of the customer waiting for operation is provided, the automatic transaction device and the characteristic data acquisition unit are accommodated by a predetermined interface, and a terminal controller connected to a host computer via a communication line and a customer controller. A transaction processing system comprising a host computer provided with a reference descriptor management table pre-registered with characteristic data, a customer information file, and account information. 2. The transaction processing system according to claim 1,
The feature data acquisition unit sequentially captures a human body image of at least one or more customers in the front row of the waiting customers, takes in the feature data of the human body, derives a descriptor obtained by encoding the data in a predetermined method, and sends the descriptor to the terminal controller. Then, the terminal controller writes the descriptors received in chronological order in the queue management table, assigns a customer ID to the received descriptors, and thereafter, at a fixed period, the characteristic data acquisition unit determines the number of customers waiting for operation. The feature data of the human body of the customer in the front row is fetched and encoded, and then transmitted to the terminal controller. The terminal controller assigns the customer ID to the received descriptor, and constantly arranges the order of the front row customer waiting for operation. A transaction processing method characterized by monitoring and supplementing. 3. The method according to claim 2, wherein the descriptor and the customer ID registered in the queue management table are collectively transmitted to the host computer at a predetermined timing. The reference descriptor in the reference descriptor management table according to claim 1 is compared, and if there is a reference descriptor that is determined to be a match by a predetermined algorithm, account information is taken out from the customer information file according to claim 1 and the terminal is retrieved. Each customer I in the controller
D is returned after being associated with D. If there is no reference descriptor regarded as a match, a transaction processing method is returned to the terminal controller regarding the customer ID. 4. The queue management table according to claim 3, wherein the queue management table is provided with a section indicating whether the account information has been received or not received, and a descriptor and a customer ID registered in the queue management table are specified. A transaction processing method characterized in that, when collectively transmitting to a host computer at a timing, only the ones that have not been received are transmitted. 5. The transaction processing system according to claim 1, wherein
When a customer approaches one of the automatic transaction devices, the proximity sensor incorporated in the automatic transaction device detects this, notifies the terminal controller of this information, and the terminal controller manages the information in the queue management table. The account information of the leading customer of the waiting customer to be transmitted to the automatic transaction device, and the automatic transaction device receiving the account information, when a transaction item is selected by the customer,
A transaction processing method, wherein information on the subject is selected from the received account information, displayed on a display input unit, and prompting a customer input.