JP4316447B2 - Automatic teller machine and online system including the same - Google Patents

Description

  The present invention relates to an automatic teller machine capable of verifying the identity of a customer based on the biological information of the customer.

  In the case of conducting a withdrawal transaction or the like in an automatic teller machine (hereinafter referred to as ATM), the only method for confirming the identity of a customer has been to confirm the identity by a personal identification number. Therefore, even when a customer of a certain financial institution conducts a transaction at an ATM of another financial institution, the transaction can be performed by inputting the personal identification number. This is because the ATM can check the customer's PIN by connecting to the host of the customer's financial institution via the joint center of each financial institution. Recently, however, the number of crimes in which this PIN has been stolen, others have been impersonated, and transactions have been carried out has increased rapidly. Increasing cases of identity verification using information.

  Examples of the types of biometric information include fingerprints, finger veins, palm veins, irises and faces. Each financial institution employs different types of biological information. In order to use such biometric information in identity verification, each financial institution holds an ATM including a biometric information reading unit capable of reading the type of biometric information adopted by each financial institution.

  There are two major methods for financial institutions to hold biometric information of customers, one is a method for holding in a customer's IC card, and the other is a method for holding in a database server of a financial institution. It is.

  In the case of a method of holding in an IC card, when a customer of a certain financial institution conducts a transaction at an ATM, the ATM reads biometric information held from the customer's IC card, and further, from the customer, The biometric information is read by the biometric information reading unit, the two pieces of information are collated, and if both match, it is possible to make a transaction with the customer.

  On the other hand, in the case of the method of holding on the database server, the ATM reads the information from the customer's cash card, and based on the information, accesses the biometric information database server of the financial institution and holds the information on the server. The biometric information of the customer is acquired, the biometric information is read from the customer by the biometric information reading unit, the two pieces of information are collated, and if the two match, it is possible to make a transaction with the customer.

  As described above, since each financial institution performs identity verification based on its own type of biometric information, the ATM can read the type of biometric information adopted by a certain financial institution. It is possible for institutional customers to verify their identity using biometric information and to conduct transactions. However, customers of other financial institutions that employ different types of biometric information can use the biometric information in their ATMs. Conventionally, no consideration has been given to the point of conducting identity verification and conducting transactions.

  For example, in the technologies described in Patent Documents 1 to 3 below, a certain financial institution's ATM confirms the identity by voice, face, and iris, which are certain types of biometric information, and enables transactions. . In addition, the technology described in Patent Document 4 below secures security by ranking users according to a combination of biometric authentication at ATM and card information and conducting transactions according to the rank. It is possible. However, in each of the above-mentioned patent documents, there is a description of transactions at an ATM for performing identity verification using a specific type of biometric information and its application examples, but an ATM capable of reading a specific type of biometric information is available. However, there is no description about a case where a customer of a financial institution adopting different types of biometric information conducts a transaction.

Japanese Patent Laid-Open No. 05-054242 JP 05-314344 A JP 09-161135 A JP 2002-288424 A

Therefore, the above-described prior art has the following problems.
For example, when the type of biometric information adopted by a certain financial institution is a fingerprint, the ATM of the financial institution is an ATM that can read the fingerprint. Accordingly, since the customer of the financial institution uses a fingerprint as biometric information, the information on the fingerprint of the customer is registered in the IC card or biometric information database server. When the customer makes a transaction at the ATM of the financial institution, the identity can be confirmed by the fingerprint at the ATM, and the transaction can be executed. However, if the type of biometric information adopted by another financial institution is not a fingerprint but a finger vein, when the customer of that financial institution conducts a transaction at the ATM of the previous financial institution, the ATM uses that person by fingerprint. Since only the confirmation is possible and the identity cannot be confirmed by the finger vein, the customer cannot be identified by the biometric information, and there is a problem that the transaction cannot be performed by the ATM.

  Accordingly, an object of the present invention is to solve the above-described problems of the prior art and to provide a customer of a financial institution adopting different types of biometric information in an automatic teller machine capable of reading a specific type of biometric information. However, it is intended to provide a technology that enables the customer to carry out a transaction as a result when trying to conduct a transaction.

In order to achieve at least a part of the above object, the first automatic teller machine of the present invention is an automatic teller machine capable of verifying the identity of the customer based on the biometric information of the customer. And
An information reading unit for reading information recorded in the customer's card or passbook;
A biological information reader capable of reading a specific type of biological information from the customer;
An input unit for inputting a personal identification number from the outside;
A control unit;
Comprising at least
The control unit detects the type of biological information used for identity verification in the financial institution that issued the card or passbook based on the information read by the information reading unit, and the detected type is the biological information. The gist is to permit the customer to perform identity verification using the personal identification number when the type cannot be read by the reading unit.

  Thus, in the first automatic teller machine of the present invention, the type of biometric information used for identity verification in the financial institution that issued the card or passbook cannot be read by the biometric information reading unit. Even in some cases, since the customer is allowed to execute the identity verification using the personal identification number, the transaction can be continued by the authentication system using the personal identification number which is the existing system. Therefore, in the automatic teller machine according to the present invention, even when a customer of a financial institution adopting different types of biometric information tries to conduct a transaction, the transaction can be performed.

  In the first automatic teller machine according to the present invention, the control unit applies the information read by the information reading unit even when the detected type is a type that cannot be read by the biological information reading unit. On the basis of this, when it is detected in advance that the setting of permitting only the personal identification based on the biometric information is permitted, the customer may not be permitted to perform the personal identification based on the personal identification number.

  In this way, security can be ensured by prohibiting the execution of identity verification using a personal identification number and always performing identity verification based on biometric authentication.

The second automatic teller machine of the present invention is an automatic teller machine capable of verifying the identity of the customer based on the biometric information of the customer,
An information reading unit for reading information recorded in the customer's card or passbook;
A biological information reader capable of reading a specific type of biological information from the customer;
A display unit for displaying predetermined information to the outside;
A control unit;
Comprising at least
The control unit detects the type of biological information used for identity verification in the financial institution that issued the card or passbook based on the information read by the information reading unit, and the detected type is the biological information. In order to guide the customer of the location of another automatic teller machine provided with a biometric information reading unit capable of reading the detected type on the display unit when the type cannot be read by the reading unit The gist is to display the information.

  Thus, in the second automated teller machine of the present invention, the type of biometric information used for identity verification in the financial institution that issued the card or passbook cannot be read by the biometric information reading unit. Even if there is, since the display unit displays information for guiding the customer of the location of another automatic teller machine equipped with a biometric information reader capable of reading that type of biometric information, The customer can see the information and go to a place where there is another automatic teller machine corresponding to the type of biological information, and can use the automatic teller machine. Therefore, in the automatic teller machine of the present invention, when a customer of a financial institution adopting different types of biometric information tries to make a transaction, even if the automatic teller machine cannot make a transaction, another cash Transactions can be carried out on a transaction machine.

The third automatic teller machine of the present invention is an automatic teller machine capable of verifying the identity of the customer based on the biometric information of the customer,
An information reading unit for reading information recorded in the customer's card or passbook;
A biological information reading unit capable of reading a plurality of types of specific biological information from the customer;
A control unit;
Comprising at least
The control unit detects the type of biological information used for identity verification in the financial institution that issued the card or passbook based on the information read by the information reading unit, and the detected type is the biological information. When the type is readable by the reading unit, the biometric information reading unit reads the detected type of biometric information from the customer and confirms the identity of the customer based on the read biometric information. This is the gist.

  Thus, in the 3rd automatic teller machine of this invention, since a biometric information reading part can read a plurality of types of biometric information, it can respond to a plurality of types of biometric information. Therefore, according to the automatic teller machine of the present invention, even if the types of biometric information adopted by the financial institutions are different, it is possible to deal with customers of each financial institution by one.

In the third automatic teller machine of the present invention, further comprises a communication unit for performing communication via a network,
When the customer's biological information is included in the information read by the information reading unit, the control unit collates the included biological information with the biological information read by the biological information reading unit. If the customer confirms that the customer is the identity of the customer, the communication unit accesses the host belonging to the financial institution connected to the network to enable the execution of the transaction. May be.

  By doing so, it is possible to carry out an actual transaction for each financial institution customer after confirming the identity by means of biometric information.

In the third automatic teller machine of the present invention, further comprises a communication unit for performing communication via a network,
When the information read by the information reading unit does not include the biometric information of the customer, the control unit accesses the biometric information storage server connected to the network by the communication unit, and the biometric information storage server The biometric information of the customer held in the mobile phone is acquired, the acquired biometric information and the biometric information read by the biometric information reading unit are collated, and the collation result indicates that the customer is the person. If it is confirmed, the communication unit may access a host belonging to the financial institution connected to the network to enable execution of the transaction.

  By doing so, it is possible to carry out an actual transaction for each financial institution customer after confirming the identity by means of biometric information.

  In addition, this invention can also be implement | achieved in aspects, such as an online system provided with the automatic teller machine, without being restricted to aspects, such as an above-described automatic teller machine. Moreover, it is not restricted to such an aspect as an apparatus invention, but can be realized in an aspect as a method invention such as a control method of an automatic teller machine. Further, aspects as a computer program for constructing those methods and apparatuses, aspects as a recording medium recording such a computer program, data signals embodied in a carrier wave including the computer program, etc. It can also be realized in various ways.

Hereinafter, embodiments of the present invention will be described in the following order based on examples.
A. Online system configuration:
B. First embodiment:
C. Second embodiment:
D. Variations:

A. Online system configuration:
FIG. 1 is a block diagram showing an online system using ATM as an embodiment of the present invention. ATMa, b of each financial institution such as A bank and B bank are connected to the biometric information database server 104a, b and financial host 105a, b of each financial institution via the dedicated networks 102a, 102b of each financial institution, respectively. Has been. Further, ATMa and b are connected to a joint host 106 and a biometric information joint database server 107, which are jointly managed by a plurality of financial institutions, via a joint network 103, respectively. The dedicated networks 102a and 102b are connected to the common network 103, respectively.

B. First embodiment:
FIG. 2 is a block diagram showing the structure of the ATM as the first embodiment of the present invention. The present embodiment is an embodiment corresponding to the case where the biological information of the customer is held in the IC card. As shown in FIG. 2, the ATM 200 of this embodiment includes a display unit 201 for displaying various information, an input unit 202 for inputting various information such as a personal identification number and an amount from the outside, and an IC card 250. Card reading / writing unit 203 for reading information from IC card 250 and writing information to IC card 250, and passbook reading / writing for reading information from a passbook (not shown) and writing information to the passbook Unit 204, a passbook printing unit 205 for printing information such as the amount of money on the passbook, a biometric information reading unit 206 for reading a specific type of biometric information from a customer, a control unit 207 including a CPU, and the like An auxiliary storage device 210 composed of a hard disk device, a main storage device 211 composed of a memory, a network interface, etc. A receiving unit 212, and a. Among these, the control part 207 functions as the biometric information acquisition part 220, the biometric information collation part 221, and the transaction management part 222 by executing the program memorize | stored in the main memory 211. Here, both the IC card 250 and the passbook are issued by financial institutions.

  In FIG. 2, the card reading / writing unit 203 and the passbook reading / writing unit 204 are the information reading unit in the claims, the biological information reading unit 206 is the biological information reading unit in the claims, and the input unit 202 is The display unit 201 corresponds to the display unit in the claims, the control unit 207 corresponds to the control unit in the claims, and the transmission / reception unit 212 corresponds to the communication unit in the claims.

  FIG. 3 is a flowchart showing a processing procedure executed in the ATM of FIG. First, when the IC card 250 is inserted into the card reading / writing unit 203 of the ATM 200 by the customer, the card reading / writing unit 203 reads information stored in the IC card 250 (step S701). Next, the biometric information acquisition unit 220 detects the type of biometric information adopted by the financial institution with the customer's account from the read information (step S702). For example, the read information may include an identification code indicating the type of biological information, and the type of biological information may be detected by extracting the identification code. FIG. 4 is an explanatory diagram showing the types of biometric information adopted by each financial institution. As shown in FIG. 4, each financial institution employs different types of biological information, such as fingerprints, finger veins, palm veins, irises, and faces. In addition, every financial institution also uses a password that is an existing method.

  Next, the biometric information acquisition unit 220 determines whether the detected biometric information type is a type that can be handled by the ATM 200, that is, a type that can be read by the biometric information reading unit 206. This is performed (step S703). FIG. 5 is an explanatory diagram showing the types of biological information that can be handled in each ATM. Since the types of biometric information that can be read by the biometric information reading unit 206 are different depending on each ATM, the types of biometric information that can be handled differ depending on each ATMa to g as shown in FIG. Basically, the ATM held by the financial institution can correspond to the type of biological information adopted by the financial institution (for example, ATMa to e in FIG. 5). However, depending on the ATM, in order to achieve commonality, a plurality of types of biometric information can be read by the biometric information reading unit 206 and may be compatible with a plurality of types of biometric information (for example, ATMg in FIG. 5). ). In such a case, the ATM may include one biological information reading unit, and the one biological information reading unit may be able to read a plurality of types of biological information, or may include a plurality of biological information reading units, A plurality of types of biological information may be read by a plurality of biological information reading units.

  FIG. 6 is an explanatory diagram showing the correspondence of the biometric information between each financial institution and each ATM. For example, when a customer who has an account of A bank conducts a transaction at ATMg, the type of biometric information adopted by A bank is a fingerprint, and the type of biometric information that ATMg can handle (by biometric information reading unit 206) The types of biometric information that can be read) are all fingerprints, finger veins, palm veins, irises, and faces. Therefore, in ATMg, identity verification by fingerprints is possible. In FIG. 6, the case where the identity verification based on the biological information is possible is surrounded by a thick line frame.

  Therefore, as a result of the determination in step S703, if the type of the detected biometric information is a type that can be handled by the ATM 200, the biometric information acquisition unit 220 extracts the included biometric information of the customer from the read information, Store in the auxiliary storage device 210 (step S704). After that, the biometric information acquisition unit 220 displays the biometric information reading preparation screen shown in FIG. 7 on the display unit 201 and prompts the customer to prepare for reading biometric information (step S705). Thereby, for example, when the customer puts an index finger on the biometric information reading unit 206 (fingerprint reader), the biometric information reading unit 206 reads the customer's fingerprint as biometric information, and the biometric information acquiring unit 220 reads the biometric information. The biological information is stored in the auxiliary storage device 210 (step S706). Thereafter, the biometric information collating unit 221 collates the biometric information read from the IC card 250 with the biometric information read from the customer, and determines whether or not they are the same person, that is, performs identity verification (step S707).

  As a result of the collation, when it is determined that they are the same person, since the customer can be confirmed to be the person, the transaction management unit 222 accesses the financial host via the transmission / reception unit 212 to obtain necessary data. Transmission / reception is performed, and a withdrawal transaction is performed (step S708). When the withdrawal transaction is completed, the transaction management unit 222 ejects the IC card 250 from the card reading / writing unit 203 (step 709), and the series of processing ends.

  In addition, when ATM accesses a financial host at the time of transaction execution, it becomes as follows. That is, as shown in FIG. 1, the ATMa, b of each financial institution such as A bank and B bank is normally connected to the financial host 105a of each financial institution via the dedicated network 102a, 102b of each financial institution, respectively. b, and independently conduct a transaction with a customer who has an account with the financial institution. However, when a customer who has an account of a certain financial institution conducts a transaction at the ATM of another financial institution, the ATM is once a joint host that is jointly managed by a plurality of financial institutions via the joint network 103. After accessing the network 106, the financial host 105a, b of the financial institution is accessed via the joint network 103 and the dedicated networks 102a, b, and a transaction with the customer is performed.

  If it is determined that the person is a different person as a result of the collation, since the customer cannot be confirmed to be the person, the transaction management unit 222 makes the transaction impossible (step S710), and the card reading / writing unit. The IC card 250 is ejected from 203 (step 709), and a series of processing is terminated.

  On the other hand, as shown in FIG. 6, for example, when a customer having an account of A bank conducts a transaction using ATMb, the type of biometric information adopted by A bank is a fingerprint, and biometric information that ATMb can handle Since the type of biometric information (type of biometric information that can be read by the biometric information reading unit 206) is a finger vein, it is impossible to identify the person with a fingerprint in ATMb.

  Therefore, as a result of the determination in step S703 in FIG. 3, if the detected type of biometric information is a type that cannot be handled by the ATM 200 (that is, a type of biometric information that cannot be read by the biometric information reading unit 206), the processing is as shown in FIG. Go to A. FIG. 8 is a flowchart showing a processing procedure when the detected type of biometric information is a type that cannot be handled by ATM. In FIG. 8, the biometric information acquisition unit 220 displays the selection screen shown in FIG. 9 on the display unit 201 (step S <b> 902), and the ATM 200 displays the type of biometric information held in the IC card 250 for the customer. Explain that the person cannot be verified, and then select what kind of transaction is desired next.

  The customer selects a transaction from the following options. 1. Continue transactions using the existing authentication method using a PIN. 2. View the ATM location guide for fingerprint authentication. 3. Transaction cancellation. Therefore, first, the transaction management unit 222 determines whether or not to continue the transaction with the authentication method based on the password that is the existing method, that is, whether or not 1 is selected (step S903), and 1 is selected. If it is, the execution of identity verification using the personal identification number is permitted, and a personal identification number input screen (not shown) is displayed on the display unit 201 (step S904). After that, when the customer inputs a password using the input unit 202 from the displayed password input screen (step S905), the transaction management unit 222 transmits to the financial host of the financial institution via the transmission / reception unit 212. Access the customer's personal identification number held by the financial host, check the entered personal identification number with the personal identification number obtained from the financial host, and determine whether or not they are the same person, that is, verify the identity ( Step S906).

  As a result of the collation, when it is determined that they are the same person, since the customer can be confirmed to be the person, the transaction management unit 222 accesses the financial host via the transmission / reception unit 212 to obtain necessary data. Transmission / reception is performed, and a withdrawal transaction is performed (step S907). When the withdrawal transaction is completed, the transaction management unit 222 ejects the IC card 250 from the card reading / writing unit 203 (step 708), and the series of processing ends.

  Further, when it is determined that the person is a different person as a result of the collation, since it is not possible to confirm that the customer is the person, the transaction management unit 222 makes the transaction impossible (step S909), and the card reading / writing unit The IC card 250 is ejected from 203 (step 908), and a series of processing ends.

  On the other hand, if 1 is not selected as a result of the determination in step 903, the transaction management unit 222 can read the fingerprint by another ATM that can perform fingerprint authentication (that is, the biometric information reading unit). It is determined whether or not another ATM) location guide is displayed, that is, whether or not 2 is selected (step S910). If 2 is selected, fingerprint authentication is performed on the display unit 201. A guidance screen (not shown) for guiding the customer to a place where another possible ATM exists is displayed (step S911). With this guidance screen, for example, a customer can be guided to another ATM location where fingerprint authentication is closest to the ATM 200 where fingerprint authentication is possible.

  If the result of determination in step 910 is that 2 has not been selected, transaction cancellation 3 has been selected, so the transaction management unit 222 determines that transaction is not possible (step S909), and card read / write The IC card 250 is ejected from the unit 203 (step 908), and the series of processes is terminated.

  As described above, in this embodiment, even if the type of biometric information adopted by the financial institution with the customer's account is a type that cannot be handled by the ATM 200, the existing method is selected according to the customer's selection. The transaction can be continued with an authentication method using a personal identification number. Moreover, since a guide screen for guiding the customer to a place where another ATM capable of fingerprint authentication exists is displayed according to the customer's selection, the customer looks at the guide screen and moves to the place where the other ATM is located. You can go and use the ATM. Therefore, in the ATM 200, when a customer of a financial institution adopting different types of biometric information tries to conduct a transaction, the transaction can be performed at the ATM 200 or at another guided ATM.

  In this embodiment, the ATMg shown in FIG. 5 can read a plurality of types of biological information by the biological information reading unit 206, and can handle a plurality of types of biological information. Therefore, according to such ATM, even if the types of biometric information adopted by financial institutions are different, it is possible to deal with customers of each financial institution by one.

C. Second embodiment:
FIG. 10 is a block diagram showing the structure of an ATM as a second embodiment of the present invention. This embodiment is an embodiment corresponding to the case where the biometric information of a customer is held in a database server of a financial institution and in a biometric information joint database server that is jointly managed by a plurality of financial institutions. As shown in FIG. 10, the ATM 300 according to the present embodiment is similar to the ATM 200 shown in FIG. 2, and a display unit 301 for displaying various information and various information such as a personal identification number and a monetary amount are input from the outside. The input unit 302, the card reading / writing unit 303 for reading information from the cash card 350, and writing information to the cash card 350, reading information from a passbook (not shown), and reading information from the passbook A passbook reading / writing unit 304 for writing, a passbook printing unit 305 for printing information such as an amount of money on the passbook, a biometric information reading unit 306 for reading a specific type of biometric information from a customer, and a CPU A control unit 307 configured with the above, an auxiliary storage device 310 configured with a hard disk device, and a main storage device 311 configured with a memory. Includes a transceiver unit 312 configured like a network interface, a. Among these, the control part 307 functions as the biometric information acquisition part 320, the biometric information collation part 321, and the transaction management part 322 by executing the program memorize | stored in the main memory 311. Here, the cash card 350 and the passbook are both issued by financial institutions.

  In FIG. 10, the card reading / writing unit 303 and the passbook reading / writing unit 304 are the information reading unit in the claims, the biometric information reading unit 306 is the biometric information reading unit in the claims, and the input unit 302 is The display unit 301 corresponds to the display unit in the claims, the control unit 307 corresponds to the control unit in the claims, and the transmission / reception unit 312 corresponds to the communication unit in the claims.

  11 is a block diagram showing the configuration of the biometric information database server 104 in FIG. 1, and FIG. 12 is a block diagram showing the configuration of the biometric information joint database server 107 in FIG. As shown in FIG. 11, the biometric information database server 104 includes a biometric information database 401 that holds biometric information of a customer who has an account at the financial institution, a control unit 402 configured by a CPU, a network interface, and the like. And a transmitting / receiving unit 403. As shown in FIG. 12, the biometric information joint database server 107 jointly managed by a plurality of financial institutions includes a biometric information database 501 that holds biometric information of a customer who has an account in any of these financial institutions, and a CPU And a transmission / reception unit 503 configured by a network interface or the like.

  FIG. 13 is a flowchart showing a processing procedure executed in the ATM of FIG. First, when the cash card 350 is inserted into the card reading / writing unit 303 of the ATM 300 by the customer, the card reading / writing unit 303 reads information stored in the cash card 350 (step S801). Next, the biometric information acquisition unit 220 detects the type of biometric information employed by the financial institution with the customer's account from the read information (step S802). For example, the read information may include an identification code indicating the type of biological information, and the type of biological information may be detected by extracting the identification code.

  Next, the biometric information acquisition unit 320 determines whether or not the detected type of biometric information is a type that can be handled by the ATM 300, that is, whether or not it is a type that can be read by the biometric information reading unit 306. This is performed (step S803). As a result of the determination, if the type of the detected biometric information is a type that can be handled by the ATM 300, the biometric information acquisition unit 320 is connected to the biometric information database server 104 of the financial institution in which the customer has an account via the transmission / reception unit 312. Alternatively, the biometric information joint database server 107 jointly managed by a plurality of financial institutions (including financial institutions in which the customer has an account) is accessed, and the biometric information of the customer held there is acquired. Then, it is stored in the auxiliary storage device 310 (step S804). Thereafter, the biometric information acquisition unit 320 displays the biometric information reading preparation screen shown in FIG. 7 on the display unit 301 and prompts the customer to prepare for reading biometric information (step S805). Accordingly, for example, when the customer puts an index finger on the biometric information reading unit 306 (fingerprint reader), the biometric information reading unit 306 reads the customer's fingerprint as biometric information, and the biometric information acquiring unit 320 reads the biometric information. The biological information is stored in the auxiliary storage device 310 (step S806). Thereafter, the biometric information collating unit 321 collates the biometric information acquired from the biometric information database server 104 or the biometric information joint database server 107 with the biometric information read from the customer, and determines whether or not they are the same person, Identity verification is performed (step S807).

  As a result of the collation, if it is determined that the person is the same person, it can be confirmed that the customer is the person, so the transaction management unit 322 accesses the financial host via the transmission / reception unit 312 and obtains necessary data. Transmission / reception is performed, and a withdrawal transaction is performed (step S808). When the withdrawal transaction is completed, the transaction management unit 322 discharges the cash card 350 from the card reading / writing unit 303 (step 809), and ends a series of processing.

  If it is determined that the person is a different person as a result of the collation, the transaction management unit 322 makes the transaction impossible (step S810) because the customer cannot be confirmed as the person, and the card reading / writing unit. The cash card 350 is ejected from 303 (step 809), and a series of processing is terminated.

  On the other hand, if it is determined in step S803 in FIG. 13 that the type of detected biometric information is a type that cannot be handled by the ATM 300 (that is, a type of biometric information that cannot be read by the biometric information reading unit 306), the processing is performed. Proceed to A in FIG. Also in this embodiment, the processing in FIG. 8 is the same as that in the first embodiment, and thus the description thereof is omitted.

  Therefore, also in this embodiment, the same effect as that of the first embodiment can be obtained. Further, since the biometric information is not held in the card itself, an existing cash card can be used as it is as a card possessed by the customer.

E. Variations:
The present invention is not limited to the above-described examples and embodiments, and can be implemented in various modes without departing from the scope of the invention.

  In the above-described embodiment, when the customer selects 1 from the choices on the selection screen shown in FIG. 9, the transaction is continued unconditionally by the authentication method using the personal identification number. However, if the password is stolen, another person impersonates the user, and this ATM is used as a customer, there is a fear that the transaction is executed by the stolen password.

  Therefore, it may be possible to set in advance that only identity verification based on biometric information is allowed according to a request from a customer. For example, when such setting information is stored in advance in an IC card or a cash card, and the customer selects 1 from the options, the transaction management unit includes information read from the card, It is determined whether or not the setting information is present. If such setting information is present, it is prohibited without permitting execution of identity verification using a personal identification number. That is, the transaction management unit does not display the personal identification number input screen on the display unit, but instead displays that the personal identification cannot be performed using the personal identification number, thereby disabling the transaction. In this way, security can be ensured by prohibiting the execution of identity verification using a personal identification number and always performing identity verification based on biometric authentication.

  The setting information described above is not necessarily in the card, and may be held in the passbook. It may also be held by a financial host connected to the network. In that case, based on the information read from the card or the like, the financial host may be accessed and the setting information described above may be acquired from the financial host.

  In the embodiment described above, information (for example, an identification code) indicating the type of biometric information adopted by the financial institution with the customer's account is held in the IC card or cash card, but is held in the passbook. May be. Moreover, although the biometric information of the customer is held in the IC card, it may be held in a passbook.

It is a block diagram which shows the online system using ATM as an Example of this invention. It is a block diagram which shows the structure of ATM as a 1st Example of this invention. It is a flowchart which shows the process sequence performed in ATM of FIG. It is explanatory drawing which shows the kind of biometric information employ | adopted by each financial institution. It is explanatory drawing which shows the kind of biometric information which can respond in each ATM. It is explanatory drawing which shows the correspondence of the biometric information of each financial institution and each ATM. It is explanatory drawing which shows the biometric information reading preparation screen displayed on the display part in ATM of FIG. It is a flowchart which shows the process sequence in case the kind of detected biometric information is a kind which cannot respond | correspond with ATM. It is explanatory drawing which shows the selection screen displayed on the display part in ATM of FIG. It is a block diagram which shows the structure of ATM as a 2nd Example of this invention. It is a block diagram which shows the structure of the biometric information database server 104 in FIG. It is a block diagram which shows the structure of the biometric information joint database server 107 in FIG. It is a flowchart which shows the process sequence performed in ATM of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 102 ... Dedicated network 103 ... Joint network 104 ... Biological information database server 105 ... Financial host 106 ... Joint host 107 ... Biological information joint database server 200 ... ATM
DESCRIPTION OF SYMBOLS 201 ... Display part 202 ... Input part 203 ... Card reading / writing part 204 ... Passbook reading / writing part 205 ... Passbook printing part 206 ... Biometric information reading part 207 ... Control Unit 210 ... Auxiliary storage device 211 ... Main storage device 212 ... Transmission / reception unit 220 ... Biometric information acquisition unit 221 ... Biometric information verification unit 222 ... Transaction management unit 250 ... IC card 300 ... ATM
DESCRIPTION OF SYMBOLS 301 ... Display part 302 ... Input part 303 ... Card reading / writing part 304 ... Passbook reading / writing part 305 ... Passbook printing part 306 ... Biometric information reading part 307 ... Control Unit 310 ... Auxiliary storage device 311 ... Main storage device 312 ... Transmission / reception unit 320 ... Biometric information acquisition unit 321 ... Biometric information collation unit 322 ... Transaction management unit 350 ... Cash card 401 ... Biological information database 402 ... Control unit 403 ... Transmission / reception unit 501 ... Biological information database 502 ... Control unit 503 ... Transmission / reception unit

Claims (11)

An automatic teller machine capable of verifying the identity of the customer based on the biometric information of the customer,
An information reading unit for reading information recorded in the customer's card or passbook;
A biological information reader capable of reading a specific type of biological information from the customer;
An input unit for inputting a personal identification number from the outside;
A control unit;
Comprising at least
The control unit detects the type of biological information used for identity verification in the financial institution that issued the card or passbook based on the information read by the information reading unit, and the detected type is the biological information. An automatic teller machine characterized by permitting the customer to execute identity verification based on the personal identification number when the type cannot be read by the reading unit. In the automatic teller machine according to claim 1,
Even if the detected type is a type that cannot be read by the biometric information reading unit, the control unit can only perform identity verification in advance based on the information read by the information reading unit. An automatic teller machine characterized in that, when it is detected that the setting of not permitting is made, the customer is not permitted to execute identity verification by the personal identification number. An automatic teller machine capable of verifying the identity of the customer based on the biometric information of the customer,
An information reading unit for reading information recorded in the customer's card or passbook;
A biological information reader capable of reading a specific type of biological information from the customer;
A display unit for displaying predetermined information to the outside;
A control unit;
Comprising at least
The control unit detects the type of biological information used for identity verification in the financial institution that issued the card or passbook based on the information read by the information reading unit, and the detected type is the biological information. In order to guide the customer of the location of another automatic teller machine provided with a biometric information reading unit capable of reading the detected type on the display unit when the type cannot be read by the reading unit An automatic teller machine characterized by displaying the information. An automatic teller machine capable of verifying the identity of the customer based on the biometric information of the customer,
An information reading unit for reading information recorded in the customer's card or passbook;
A biological information reading unit capable of reading a plurality of types of specific biological information from the customer;
A control unit;
Comprising at least
The control unit detects the type of biological information used for identity verification in the financial institution that issued the card or passbook based on the information read by the information reading unit, and the detected type is the biological information. When the type is readable by the reading unit, the biometric information reading unit reads the detected type of biometric information from the customer and confirms the identity of the customer based on the read biometric information. An automatic teller machine characterized by that. In the automatic teller machine according to claim 4,
A communication unit for communicating via a network;
When the customer's biological information is included in the information read by the information reading unit, the control unit collates the included biological information with the biological information read by the biological information reading unit. If the customer confirms that the customer is the identity, the communication unit accesses the host belonging to the financial institution connected to the network and enables the transaction to be performed. An automatic cash machine. In the automatic teller machine according to claim 4,
A communication unit for communicating via a network;
When the information read by the information reading unit does not include the biometric information of the customer, the control unit accesses the biometric information storage server connected to the network by the communication unit, and the biometric information storage server The biometric information of the customer held in the mobile phone is acquired, the acquired biometric information and the biometric information read by the biometric information reading unit are collated, and the collation result indicates that the customer is the person. When it is confirmed, the communication unit accesses the host belonging to the financial institution connected to the network by the communication unit and enables execution of the transaction. An online system comprising the automatic teller machine according to claim 4, a host belonging to the financial institution, and a biometric information storage server that holds at least biometric information of the customer via a network.
The automatic teller machine is
A communication unit for communicating via a network;
When the customer's biometric information is not included in the information read by the information reading unit, the control unit accesses the biometric information storage server by the communication unit and is held in the biometric information storage server. When the customer's biometric information is acquired, the acquired biometric information and the biometric information read by the biometric information reading unit are collated, and the collation result confirms that the customer is the person An online system characterized in that the communication unit can access the host and execute a transaction. The online system according to claim 7,
The online system, wherein the biological information storage server is a dedicated server belonging to the financial institution. The online system according to claim 7,
The online system, wherein the biometric information storage server is a joint server managed jointly by a plurality of financial institutions. A control method of an automatic teller machine that includes a biometric information reading unit capable of reading a specific type of biometric information from a customer, and that can perform identity verification of the customer based on the read biometric information of the customer. There,
(A) reading recorded information from the customer's card or passbook;
(B) detecting the type of biometric information used for identity verification in the financial institution that issued the card or passbook based on the read information;
(C) When the detected type is a type that cannot be read by the biometric information reading unit, the step of permitting the customer to perform identity verification using a personal identification number;
A method for controlling an automatic teller machine comprising: A control method of an automatic teller machine that includes a biometric information reading unit capable of reading a specific type of biometric information from a customer, and that can perform identity verification of the customer based on the read biometric information of the customer. There,
(A) reading recorded information from the customer's card or passbook;
(B) detecting the type of biometric information used for identity verification in the financial institution that issued the card or passbook based on the read information;
(C) When the detected type is a type that cannot be read by the biometric information reading unit, the location of another automatic teller machine that includes a biometric information reading unit that can read the detected type Displaying information for guiding the customer;
A method for controlling an automatic teller machine comprising:

Images