JP3994363B2 - Fingerprint verification system and method in ATM - Google Patents

Description

[0001]
The present invention, bank, ATM (Automatic Teller's Machine) related to the fingerprint verification system and method of such a transaction processing device, in particular his or her confirmation and non-person human to be installed in financial institutions such as the post office The present invention relates to an ATM device for confirming an individual in use, a fingerprint collation system in ATM, and a method thereof.
[0002]
[Prior art]
Conventionally, in ATMs of financial institutions, the identity of the customer is confirmed by a cash card held by the customer and a password entered by the customer. By the way, when using ATM, even if the family uses it other than the person himself / herself, it was used by the family entering the password. However, in this case, it becomes possible to withdraw money that has not been approved by the family, and there is also a risk that family problems may be involved in financial institutions.
On the other hand, recently, in order to confirm the identity, it has been studied to confirm the identity by collating biometric information such as fingerprint information in addition to the password. At this time, it is also conceivable that the biometric information of the agent who can use the cash card is also registered in the card for use by other than the principal, thereby confirming the agent and enabling the transaction (for example, JP-A-10-240931 (referred to as A method) and JP-A-9-114983 (referred to as method B)).
[0003]
In the method A, when an account is opened at a financial institution, a fingerprint is registered as personal information of the registrant, and collation is performed using the fingerprint when the deposit is withdrawn. In addition, by registering a voiceprint with a frequency analysis device or the like instead of a fingerprint, forgery of a conventional seal can be prevented.
Further, in the above-mentioned B method, the fingerprint information of the principal or the agent's fingerprint information is recorded in the magnetic recording part of the cash card or credit card together with the information of the personal identification number, and when the card is used, the fingerprint information is recorded. It is determined that the user is valid by checking.
[0004]
[Problems to be solved by the invention]
However, the conventional method has the following problems.
(A) Transactions at ATMs and the like from customer accounts are often used by family members as agents in addition to the principal. In that case, the account PIN of the account is given to the agent and withdrawals are made on behalf of the principal, but in the case of withdrawal of an amount not approved by the principal, family disputes are involved in the financial institution. It is also possible that
(B) In order to enhance security, a method of verifying the identity of a cash card by converting it to an IC card, registering fingerprint information on the IC card, and performing fingerprint verification at the time of ATM transactions is being considered. ing. In this case, since a person other than the principal cannot make a transaction with the same cash card, it is also considered to register the fingerprint information of an agent such as a family member in the card as in the above-described B method.
However, in these methods, once authentication is performed by verifying the PIN number and fingerprint of the agent, all transactions relating to the account can be made. The case where it drops is caused. Recently, financial institution transactions have become general accounts, and various transactions can be done with a single card, so it is problematic to give the agent authority for all transactions .
[0005]
Therefore, the object of the present invention is to solve these conventional problems, to ensure the confirmation of the user, and to allow agents other than the principal to trade at the ATM, and to clarify the range in which each can trade, and to be unnecessary. to provide a method for fingerprint verification system and its in capable ATM device and ATM preventing such disputes.
[0006]
[Means for Solving the Problems]
In order to achieve the above object, the fingerprint collation system in the ATM of the present invention is a fingerprint collation system in an ATM in which a plurality of users use IC cards and each register a range in which transactions can be made with other users. Information required for transactions such as customer account number, first and last name for each person and each agent, relationship with the person, fingerprint information of each person and each agent, transaction range and transaction limit for each person and each agent IC card in which is registered, IC card processing unit that reads the fingerprint information when the IC card is inserted, fingerprint scanner that the person or agent reads the fingerprint according to the guidance on the guidance screen, and the agent makes a transaction Only the items that can be traded by the agent, which are read from the IC card, are displayed on the screen, and the transaction range and transaction amount information entered by the agent are displayed. Checks whether it matches the transaction range and transaction amount information of the agent read from the IC card, and inputs the transaction amount within the transactionable item within the items that the agent can transact When it determines, it has an ATM transaction process, and when it determines with other than the item which can be transacted or exceeding the transaction possible amount, it has the main control part which stops a transaction process, It is characterized by the above-mentioned.
Further, the fingerprint collation method in the ATM of the present invention is a fingerprint collation method in an ATM in which transactions are made directly by a customer. The IC card is inserted into the ATM at the time of the transaction, and the fingerprint information together with the customer information from the inserted IC card. Reading the fingerprint information of the customer with an ATM scanner, collating the fingerprint information read from the IC card with the fingerprint information read from the scanner under the control of the ATM main control unit, As a result of the verification, if the customer is determined to be the principal, all ATM transactions are performed, and if the customer is determined to be the agent, the transaction range and transaction limit of the agent are determined from the IC card. If the customer is not an agent, a step of displaying a matching error and the transaction item selected by the customer The transaction item and the transaction amount are checked by the control of the main control unit to determine whether the transaction item and the transaction amount are the item and the limit amount that the agent can trade, and the item that can be traded as a result of the check If it is a limit amount, the transaction is processed, and if it is a non-transactionable item or a limit amount, the transaction is stopped.
In addition, information on agents that can use the cash card and a transaction range that the agent can trade are recorded in advance in the database of the host computing center to which the ATM is connected, and each agent is recorded on the IC card. The transaction item and the transaction amount input by the agent are collated with the transaction item and the transaction amount sent from the database of the host calculation center without registering the transaction item or transaction limit amount.
Further, the processing for checking the transaction items and the transaction range that can be traded is not performed by the main control unit of the ATM or the host calculation center, but is performed by a scanner processing unit built in the fingerprint scanner.
Further, the ATM device of the present invention uses an IC card having a memory for storing each information of the principal who can use the IC card and the agent acting on behalf of the principal, a usable transaction range, and a transaction limit. An ATM device that makes a transaction by using the IC card to the owner of the person or another agent, and accepts the insertion of the IC card and confirms the identity of the person or the agent for identification. A means for reading the biological information other than the number, a determination means for comparing the biological information and the information stored in the IC card to determine the principal or the agent, and when determined to be the agent, A screen that displays only the transaction range that is read from the IC card memory and that can be used by the agent, and a transaction range other than the transaction range displayed on the screen are selected. When the is characterized in that a control unit to stop the transaction.
In addition, when the transaction range that can be used by the agent is selected, it is checked whether or not the transaction limit of the agent stored in the IC card is met. Also features.
Further, the biological information is fingerprint information.
As a result, the cash card can be used by anyone other than the user, and the confirmation of the user can be ensured. In addition, by registering a range in which an agent other than the principal can trade in the IC card, the range in which the trading can be performed can be limited when a person other than the principal uses the same cash card.
[0007]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below in detail with reference to the drawings.
FIG. 1 is an external perspective view of an ATM showing an embodiment of the present invention.
The ATM has a touch panel display (CRT) 11 for displaying and guiding a transaction operation to a customer, a card insertion slot 12 for inserting or returning an IC card, and a bankbook insertion slot for inserting or returning a passbook on the upper front of the apparatus. 13 and a banknote entrance 14 for taking in and out banknotes, and has a function of performing transaction processing such as deposit, withdrawal, payment, bankbook entry, balance inquiry and the like.
Furthermore, the ATM of the present invention includes a fingerprint scanner 15 for reading the fingerprint of the customer. That is, at the time of transaction, the user guides the user to touch the scanner 15 on the guidance screen of the display (CRT) 11 and scans the fingerprint, and the fingerprint is collected from the user's finger by scanning.
[0008]
FIG. 2 is a control block diagram of the ATM in FIG.
A main control unit (hereinafter referred to as “CPU”) 202 controls each circuit device in accordance with a program stored in the ROM 203 and stores the control data so that the RAM 201 can read it out. Further, the CPU 202 is connected to the CRT 208, the passbook processing unit 211, the IC card processing unit 210, the fingerprint scanner processing unit 214, the statement processing unit 205, the banknote processing unit 209, the journal processing unit 204, the communication processing unit 212, via the interface 207. An image data processing unit 206 is connected.
The journal processing unit 204 and the statement processing unit 205 are processing units that print and output a journal that is a transaction record and a transaction statement that is delivered to a customer who has made the transaction. The banknote processing unit 209 is for taking in and out banknotes, the fingerprint scanner processing unit 214 is for transferring fingerprint information collected by the scanner to the CPU 202 for verification, and the IC card processing unit 210 is an IC card reader. When it is connected to an IC card, it reads the information stored in it.
The communication processing unit 212 controls communication with the center 213, which is a higher-level device of the ATM, and the image data processing unit 206 performs data processing for guiding guidance for transaction operations.
[0009]
FIG. 3 is a block diagram of an IC card chip applied to the present invention.
In FIG. 3, reference numeral 301 denotes a CPU, which performs basic processing, control, and storage as a computer. Reference numeral 302 denotes a RAM, which is a volatile memory, and is a memory used when the CPU 301 performs processing. A clock unit 303 supplies a clock for operating the chip. A ROM 304 includes an operating system for operating an IC card. Reference numeral 305 denotes an EEPROM, which is a non-volatile memory, and information such as customer personal information and fingerprint information, account information, usage history, etc., information on agents who can use the card, fingerprint information, and transaction items available to each agent. , Memorize transaction details. Reference numeral 306 denotes a power supply that supplies power necessary for the chip to operate. Reference numeral 307 denotes an input / output control unit for inputting / outputting data to / from the IC card reader / writer. These parts 301 to 307 are connected by a bus 308.
An IC card reader / writer is built in the ATM IC card processing unit 210. In the ATM, the CPU 202 collates the fingerprint information read from the fingerprint scanner 15 with the fingerprint information read from the IC card via the fingerprint scanner processing unit 214 at the time of transaction, and determines whether or not the fingerprint is the same person. Features are provided.
[0010]
FIG. 4 is a diagram showing a configuration example of a financial institution including ATM, and FIG. 6 is a diagram showing an example of data in an IC card.
The IC card 401 is used by being inserted into the card insertion slot of the ATM 402 when performing transactions with the ATM 402. The host calculation center 403 is a calculation center of a financial institution that issued the IC card 401, has a database 404, and manages customer account numbers and transaction information.
In the IC card 401, information necessary for the customer transaction such as the customer's information, the financial institution number that issued the IC card, the customer's account number, and the customer's fingerprint information are recorded. Furthermore, information on the agent who can use the cash card and fingerprint information, a transaction account that the agent can make, a transaction range such as a transaction type, a transaction limit, and the like are recorded.
That is, in the IC card 401, as shown in FIG. 6, the first and last names and their relationships, fingerprint information, transaction range, and transaction limit are registered for each person and each agent. For example, in the case of the principal, the account type and the transaction type are all possible, and in the case of the agent (wife), the deposit and withdrawal and transfer of the ordinary deposit, the deposit of the savings deposit and 200,000 If the following withdrawals and transfers, and deposits of time deposits are also made by an agent (father), only deposits and withdrawals of ordinary deposits are made. Only withdrawals of less than yen are registered as the transaction range and transaction limit amount, respectively.
[0011]
FIG. 5 is a flowchart of the ATM processing operation showing an embodiment of the present invention.
FIG. 7 shows an example of an ATM display screen according to the present invention.
When making a transaction using ATM, an IC card is inserted by screen guidance (step 501), customer information is read from the inserted IC card (step 502), and then fingerprint information 601 of the principal and the agent is read from the IC card. Is read (step 503). Next, the fingerprint of the user is read from the fingerprint scanner 15 equipped in the ATM (step 504). Next, each fingerprint information read from the IC card and each fingerprint read from the scanner are collated (step 505). If the result of the collation is that the user is determined to be the person (step 506), FIG. The screen 71 is displayed on the ATM CRT and the ATM transaction is performed (step 507).
In the present invention, the transaction items that can be traded for each person and the agent are registered in the IC card, and when the transaction range registered in the IC card is read by the ATM, the agent conducts the transaction. In addition, only items that the agent can trade are displayed on the screen. For example, in the case of an IC card with registered contents as shown in FIG. 6, when the principal makes a transaction, all items are displayed as shown in the screen 71 of FIG. When performing the transaction, only the item of the ordinary deposit is displayed as shown in the screen 72 of FIG.
[0012]
As a result of the verification in step 505 in FIG. 5, when the user is determined to be an agent other than the principal (step 510), the transaction range and transaction amount information of the corresponding agent are read from the IC card (step 511). For example, in FIG. 6, when it is determined as the agent C by fingerprint collation, the corresponding transaction range and transaction amount information 602 are read from the IC card.
Next, after the customer selects a transaction from the screen displayed on the ATM CRT and inputs the transaction processing contents (step 512), the transaction selected by the transaction range and transaction amount information read in step 511 is the agent. Is checked whether the item is a tradeable item (step 513).
If the selected transaction is an item that can be traded by the agent, the ATM transaction processing is performed (step 514). If a transaction that cannot be traded is selected, the deal is stopped (step 515). If neither the principal nor the agent is determined as a result of fingerprint collation in step 510, a collation error is displayed on the ATM CRT (step 516).
[0013]
If the user is determined to be the agent in the fingerprint collation in step 506, the transaction range and transaction amount information of the agent is read from the IC card (step 511), and the normal screen 71 in FIG. Instead of displaying, only items that the agent can trade are displayed on the ATM display screen (see screen 72).
In addition to using ATM as in this embodiment, the transaction details when an agent conducts a transaction can be checked at the host computing center (403 in FIG. 4).
In this case, in the database 404 of the host calculation center, information necessary for the customer's transaction such as the customer's own information, the financial institution number that issued the IC card, and the customer's account number is usually recorded.
[0014]
Further, in FIG. 4, information on agents who can use the cash card and transaction ranges in which the agents can trade are recorded in the database 404 in advance. When transaction information and agent information input from the ATM are sent to the host 403, the host 403 reads the contents of the database 404 and checks the transaction contents to realize the same function as described above. In this case, it is not necessary to register the transaction item or transaction limit for each agent in the IC card.
Further, in this embodiment, the fingerprint collation processing is executed by the ATM CPU 202. However, as another embodiment, the fingerprint collation processing may be executed by the fingerprint scanner 15 or the fingerprint scanner processing unit 214. . When collation is performed by the fingerprint scanner 15, a one-chip CPU is built in the scanner.
In addition, when registering the fingerprint of the principal and the agent in the IC card or the database, the principal and all the agents to be registered need to appear in advance in the IC card issuing organization (such as a financial institution) and register the fingerprint. Therefore, it is desirable to register all at once, but if this is not possible, leave a blank in the IC card, and appear at the IC card issuing organization when it is convenient to register the fingerprint. Is also possible.
[0015]
【The invention's effect】
As described above, according to the present invention, the customer confirms the user based on the fingerprint information of the person or the agent registered in advance in the IC card when using the ATM, so that the cash card can be used by anyone other than the person. And the confirmation of the user can be ensured. In addition, since the range that can be traded by agents other than the principal is registered in the IC card, when the same cash card is used by a person other than the principal, the range that can be traded can be limited, and as a result, unnecessary disputes can be prevented. Can do.
[Brief description of the drawings]
FIG. 1 is an external perspective view of an ATM showing an embodiment of the present invention.
FIG. 2 is a block diagram of the control circuit of the ATM in FIG.
FIG. 3 is a control block diagram of an IC card to which the present invention is applied.
FIG. 4 is a schematic diagram showing the relationship between ATM and center communication.
FIG. 5 is a process flowchart in ATM showing an embodiment of the present invention.
FIG. 6 is a schematic diagram of data stored in an IC card according to an embodiment of the present invention.
FIG. 7 is a diagram showing an example of an ATM display screen according to the present invention.
[Explanation of symbols]
10 ... ATM, 11 ... CRT, 12 ... Card insertion slot, 13 ... Passbook insertion slot,
14 ... banknote doorway, 15 ... fingerprint scanner, 201 ... ATM RAM,
202 ... ATM CPU, 203 ... ATM ROM,
204 ... ATM journal processing unit, 205 ... ATM specification processing unit,
206: ATM image data processing unit, 207: ATM interface,
208 ... ATM CRT, 209 ... ATM banknote processing unit,
210 ... ATM IC card processing unit, 211 ... ATM bankbook processing unit,
212 ... ATM communication processing unit, 214 ... ATM fingerprint scanner processing unit,
301: IC card CPU, 302: IC card RAM,
303: IC card clock section, 304: IC card ROM,
305 ... IC card EEPROM, 306 ... IC card power supply,
307: IC card input / output control unit, 308: IC card bus,
401 ... IC card, 402 ... ATM, 403 ... Host calculation center,
404 ... host database, 71 ... normal screen,
72: Screen for agents with restrictions on transactions.

Claims (4)

It is a fingerprint verification method in ATM that performs direct transactions by customers,
Inserting an IC card into the ATM at the time of transaction, and reading the fingerprint information of the principal and the agent together with the customer information from the inserted IC card;
Reading a user's fingerprint information from an ATM fingerprint scanner;
Collating each fingerprint information read from the IC card with each fingerprint information read from the scanner;
As a result of the verification, if the user is determined to be the principal, a step of displaying all items and performing a transaction;
As a result of verification, when the user is determined to be an agent other than the principal, a step of reading the transaction range and transaction amount information of the corresponding agent from the IC card;
After selecting the transaction displayed on the ATM screen by the customer and entering the transaction processing details, the content of whether or not the transaction selected by the read transaction range and transaction amount information is an item that the agent can trade The steps of checking
If the selected transaction is an item that can be traded by the agent, performing the ATM transaction processing;
And a step of canceling the transaction when a transaction that cannot be performed is selected. In the fingerprint verification system in ATM where a plurality of users who are the principal and the agent use the IC card, and the range in which transactions can be made with the agent who is a user other than the principal is registered,
Information necessary for transactions such as customer account numbers, first and last names for each person and each agent, relationship with the person, fingerprint information of each person and each agent, transaction scope and transaction limit for each person and each agent IC card that has been
When the IC card is inserted, an IC card processing unit that reads the fingerprint information;
A fingerprint scanner where the person or agent reads the fingerprint according to the guidance on the guidance screen,
When an agent conducts a transaction, only the items that the agent can trade are displayed on the screen, and the transaction range and transaction amount information input by the agent are read from the IC card. Check whether it matches the transaction range and transaction amount information of the agent,
If it is determined that the agent has entered a transaction amount that is within the amount that can be traded and within the amount that can be traded, ATM transaction processing is performed, and it is determined that the item other than the item that can be traded or exceeds the amount that can be traded A fingerprint verification system in ATM having a main control unit for canceling transaction processing in some cases. A method for verifying fingerprints in an ATM in which direct transactions are made by customers,
Inserting an IC card into the ATM at the time of transaction, and reading fingerprint information together with customer information from the inserted IC card;
Reading the fingerprint information of the customer with an ATM scanner;
Collating the fingerprint information read from the IC card with the fingerprint information read from the scanner under the control of the main control unit of ATM;
As a result of verification, if the customer is determined to be the principal, conduct all ATM transactions,
If the customer is determined to be an agent, the transaction range and transaction limit of the agent are read from the IC card, and if the user is not an agent, a verification error is displayed;
Reading the transaction item and the transaction amount selected by the customer, and checking whether the transaction item and the transaction amount are items and limits that the agent can transact by controlling the main control unit;
If the result of the check is an item that can be traded and a limit amount, the transaction is processed, and if the item is not tradeable or the amount of the limit, a step of canceling the transaction is included. . A reading means for inserting an IC card at the time of transaction, and reading the fingerprint information of the principal and the agent together with the customer information from the inserted IC card;
A fingerprint scanner that reads the user's fingerprint information;
Each fingerprint information read from the IC card and each fingerprint information read from the fingerprint scanner are collated, and if the result of the collation is that the user is determined to be the person, all items are displayed and transactions are made. If the user is determined to be an agent other than the principal as a result of the verification, the transaction range and transaction amount information of the corresponding agent is read from the IC card, and the user selects the transaction displayed on the ATM screen. After entering the transaction processing details, the contents of the read transaction range and transaction amount information are checked to determine whether or not the transaction selected by the agent is a tradeable item. A fingerprint verification in ATM characterized by having an ATM transaction process when a person is a transactionable item, and having a main control unit that cancels the transaction when a transaction that is not transactionable is selected System .

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