JP4784660B2 - Mobile communication terminal, automatic transaction apparatus, automatic transaction system, and automatic transaction method. - Google Patents

Description

  The present invention relates to a mobile communication terminal, an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method.

  Conventionally, when using biometric authentication in an automatic transaction apparatus, it is necessary to install a biometric authentication apparatus in the automatic transaction apparatus itself. In addition, since processing in the biometric authentication apparatus handles highly uncertain information such as reading biometric information, there is a problem that the speed is slow and transaction time increases.

  Thus, for example, Patent Document 1 discloses an automatic transaction system using a mobile communication device. The automatic transaction system described in Patent Document 1 performs biometric authentication using a mobile communication device, and transmits account data from the mobile communication device to the automatic transaction device when biometric authentication is successful.

  In this way, by performing biometric authentication using a mobile communication device that the user owns, the cost of installing the biometric authentication device in the automatic transaction device can be reduced, and biometric authentication can be completed in advance. There is an effect that the time for operating the automatic transaction apparatus can be shortened.

JP 2006-293620 A

  However, in the automatic transaction system described in Patent Document 1, since account data is transmitted from the mobile communication device to the automatic transaction device, if information indicating successful authentication is retained for a long time, there is a risk of unauthorized use in the event of loss. There was a problem that there was.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to improve security while performing biometric authentication related to transactions of an automatic transaction apparatus using a mobile communication terminal. It is an object of the present invention to provide a new and improved portable communication terminal, automatic transaction apparatus, automatic transaction system, and automatic transaction method.

  In order to solve the above-described problem, according to an aspect of the present invention, a biometric information matching unit that generates a biometric information matching result indicating whether or not a user's biological information matches biometric information registered in advance. And an effective period information setting unit that sets effective period information of the biometric information collation result in the biometric information collation result when the biometric information collation unit authenticates the user as a biometric registered in advance. An authentication information storage unit that stores authentication information including the biometric information collation result and the validity period information, and a transmission unit that transmits the authentication information to an automatic transaction apparatus that makes a transaction with the mobile communication terminal based on the authentication result. Is provided.

  According to this configuration, the biometric information matching unit of the mobile communication terminal compares the biometric information of the user with the pre-registered biometric information, and if the biometric information matches, the validity period information setting unit validates the biometric information matching result. Period information is set, and the authentication information is stored in the authentication information storage unit. At this time, since the information transmitted from the mobile communication terminal to the automatic transaction apparatus does not include important information such as card information, it is possible to improve security safety while performing biometric authentication in the mobile communication terminal. become.

  The validity period information setting unit may set validity period information of the authentication information based on an arbitrary validity period input from a user.

  Moreover, the limit of the transaction amount in the automatic transaction apparatus may be changed according to the validity period.

  In order to solve the above problem, according to another aspect of the present invention, there is provided an automatic transaction apparatus for performing a transaction based on authentication information by a biometric authentication function of a mobile communication terminal. A receiving unit that receives the authentication information including the information verification result and the validity period information; an authentication result determination unit that determines whether authentication is successful based on the biometric information verification result; and the validity period information There is provided an automatic transaction apparatus having an efficacy determination unit for determining whether or not the authentication information is valid based on the above.

  Moreover, the structure which further has a limit amount setting part which sets the limit amount of transaction amount based on the said effective period information may be sufficient.

  In order to solve the above-described problem, according to another aspect of the present invention, a living body that generates a biological information collation result indicating whether or not a user's biological information matches biological information registered in advance. Valid period information for setting valid period information of the biometric information collation result in the biometric information collation result when the user is authenticated by the information collation section and the biometric information collation section as a biometric registered in advance The authentication information is transmitted to a setting unit, an authentication information storage unit that stores authentication information including the biometric information collation result and the validity period information, and an automatic transaction apparatus that performs transactions with the mobile communication terminal based on the authentication information. A mobile communication terminal having a transmitting unit, a receiving unit that receives the authentication information from the mobile communication terminal, an authentication result determining unit that determines whether authentication is successful based on the biometric information matching result, and ,Up Automatic transaction system having an automatic teller machine and a determining potency determination unit that determines whether the authentication information is valid based on the validity period information is provided.

  Moreover, in order to solve the said subject, according to another viewpoint of this invention, it is the automatic transaction method which authenticates in an automatic transaction apparatus using the biometrics authentication function of a portable communication terminal, Comprising: A user in a portable communication terminal Generating a biometric information collation result indicating whether or not the biometric information of the user and the biometric information registered in advance match, and the biometric information collation result is authenticated as a biometric in which the user is registered in advance A step of setting the validity period information of the biometric information matching result in the case of indicating that, a step of storing authentication information including the biometric information matching result and the validity period information, and the authentication result to the automatic transaction apparatus A step of transmitting, a step of receiving the authentication information by the automatic transaction apparatus, a step of determining whether or not the authentication is successful based on the biometric information matching result, Automated transaction method comprising determining whether the authentication information is valid based on the validity period information is provided.

  As described above, according to the present invention, it is possible to improve security while performing biometric authentication for transactions of an automatic transaction apparatus using a mobile communication terminal.

It is explanatory drawing which shows the automatic transaction system which concerns on one Embodiment. It is a flowchart which shows operation | movement of the portable communication terminal which concerns on one Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus which concerns on one Embodiment. It is explanatory drawing which showed the authentication information which concerns on one Embodiment. It is explanatory drawing which showed the amount limit information which concerns on one Embodiment. It is explanatory drawing which showed the 1st modification of the authentication information which concerns on one Embodiment. It is explanatory drawing which showed the 1st modification of the limit information which concerns on one Embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

  First, the configuration of the automatic transaction system will be described for each of the mobile communication terminal and the automatic transaction apparatus, and then the operation of the automatic transaction system will be described for each of the mobile communication terminal and the automatic transaction apparatus.

<1. Configuration of automatic transaction system>
First, the configuration of an automatic transaction system according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is an explanatory diagram showing an automatic transaction system according to an embodiment.

  An automatic transaction system 10 according to an embodiment of the present invention includes a mobile communication terminal 100 and an automatic transaction apparatus 200. The automatic transaction system 10 has a function of performing a biometric authentication function using the mobile communication terminal 100 among authentications for the user 400 to use the automatic transaction apparatus 200.

  The portable communication terminal 100 and the automatic transaction apparatus 200 can be connected by a communication line 300. The portable communication terminal 100 is a portable communication terminal that the user 400 personally owns. A general terminal having a call function, an Internet connection function, or the like may be used. Specifically, a PHS or a mobile phone may be used.

  The automatic transaction apparatus 200 is an apparatus that can automatically perform a predetermined transaction by an operation of the user 400. Specific examples include an automatic teller machine (ATM) and an automatic ticketing machine.

  In FIG. 1, only parts necessary for the description of the present embodiment are shown and are not shown, but for example, a central control device, storage device, auxiliary storage device, input / output device, card reader, cash deposit / withdrawal machine, statement slip It consists of an issuing machine, a connection interface (LAN, USB, etc.) and the like. In the present embodiment, the automatic transaction apparatus 200 makes a transaction based on authentication information obtained by the biometric authentication function of the mobile communication terminal.

  The communication line 300 has a function of connecting the mobile communication terminal 100 and the automatic transaction apparatus 200 and exchanging data. For example, any line such as the Internet, a public line, a dedicated line, etc. may be used, and it may be a direct connection via a LAN (Local Area Network) or a wireless LAN. It does not matter whether it is wired or wireless. Near field communication such as infrared communication may be used. Data exchanged over the communication line 300 may be encrypted for security improvement, but the data itself may be encrypted or may have an encryption function by a method such as SSL.

[1-1. Functional configuration of mobile communication terminal]
Next, the functional configuration of the mobile communication terminal 100 according to an embodiment of the present invention will be described. The mobile communication terminal 100 according to the present embodiment mainly includes a biometric authentication unit 110, an authentication information storage unit 120, and a transmission unit 130.

  The biometric authentication unit 110 is a functional unit that performs identity verification based on the biometric information of the user 400. If the registered person is confirmed using the biometric information of the user 400 and the biometric information registered in advance, it has a function of generating authentication information that enables the automatic transaction apparatus 200 to be operated.

  The biometric authentication unit 110 mainly includes a biometric information matching unit 112 and an effective period information setting unit 114. In addition, although not shown in figure, you may have an acquisition part which acquires biometric information, a process part which adds a process to the image of the acquired biometric information, etc.

  Here, examples of the biometric information include fingerprints, voiceprints, irises, veins, faces, and the like. Moreover, you may use combining these biometric information. The mobile communication terminal 100 needs to be provided with acquisition means corresponding to each biological information.

  The biometric information collation unit 112 is a functional unit that generates a biometric information collation result indicating whether or not the biometric information of the user matches biometric information registered in advance. When the biometric information matching result indicates that the authentication is successful, the biometric information matching result can be used as authentication information of the automatic transaction apparatus 200, and the biometric information matching result is sent to the validity period information setting unit 114.

  The valid period information setting unit 114 is a functional unit that sets valid period information of the biometric information matching result. When the biometric information collating unit 112 authenticates that the user 400 is a biometric registered in advance, the valid period information of the biometric information collation result is set in the biometric information collation result. The biometric information collation result in which the valid period information is set is sent to the authentication information storage unit.

  The valid period information is information indicating a period during which the determination content of the biometric information collation result is valid. The valid period information setting unit 114 may set valid period information based on a predetermined valid period, and sets valid period information of the authentication information based on an arbitrary valid period input from the user 400. May be. Input from the user 400 may be performed each time biometric information is collated, may be performed in advance, and may be stored in an arbitrary storage unit. A method of using the validity period information as a criterion for determining the limit of the transaction amount in the automatic transaction apparatus will be described later.

  Each function of the biometric authentication unit 110 described above may be realized by hardware or may be realized by software. When implemented by software, a CPU (not shown) in the mobile communication terminal 100 actually stores a ROM, a RAM, and the like that store processing procedures for realizing these functions (both not shown). This is realized by reading out the program from the storage medium, and interpreting and executing the program. The CPU may operate using the RAM as a work area based on a program stored in the ROM.

The authentication information storage unit 120 has a function of storing authentication information including the biometric information collation result generated by the biometric information collation unit 112 and the valid period information set by the valid period information setting unit 114. Here, the authentication information storage unit 120 is, for example, a magnetic recording medium such as a hard disk, an EEPROM (Electronically Erasable and Programmable Read Only Memory), a flash memory, an MRAM (Magnetoresistive Random Access).
Non-volatile memories such as Memory (RAM), FeRAM (Ferroelectric Random Access Memory), and PRAM (Phase change Random Access Memory) are mentioned, but not limited to the above.

  The transmission unit 130 is an interface for transmitting data in the mobile communication terminal 100 to the outside. In the present embodiment, the authentication information stored in the authentication information storage unit 120 is transmitted to the automatic transaction apparatus 200 that makes a transaction with the mobile communication terminal based on the authentication result. The transmission unit 130 is a communication interface according to the communication method of the communication line 300.

  The authentication information storage unit 120 and the transmission unit 130 may be realized as an IC chip. In this case, a non-contact communication method can be used by mounting a reader / writer on the automatic transaction apparatus 200.

[1-2. Functional configuration of automatic transaction equipment]
Next, a functional configuration of the automatic transaction apparatus 200 according to an embodiment of the present invention will be described. The automatic transaction apparatus 200 according to the present embodiment mainly includes a reception unit 210, an authentication result determination unit 220, an effectiveness determination unit 230, and a limit amount setting unit 240.

  The receiving unit 210 is an interface that receives external data. In the present embodiment, the receiving unit 210 has a function of receiving authentication information including the biometric information matching result and the validity period information from the mobile communication terminal 100. The receiving unit 210 is a communication interface according to the communication method of the communication line 300.

  The authentication result determination unit 220 is a functional unit that determines whether authentication is successful. The authentication result determination unit 220 determines whether or not the authentication is successful based on the biometric information collation result included in the authentication information received by the reception unit 210. The authentication result determination unit 220 passes the processing to the effectiveness determination unit 230 when the authentication is successful as a result of determining the authentication information.

  The efficacy determination unit 230 is a functional unit that determines whether the authentication result of biometric authentication is valid. It is determined whether the authentication information is valid based on the validity period information included in the authentication information received by the reception unit 210. When the validity determination unit 230 determines that the authentication information is valid, the automatic transaction apparatus 200 is in a state where it can make a transaction with the user 400.

  The limit amount setting unit 240 is a functional unit that sets a limit amount of the transaction amount that the user 400 can trade in the automatic transaction apparatus 200. Based on the validity period information, a limit on the transaction amount of the user 400 is set. Specific examples of the criteria for determining the limit amount will be described later.

  Note that the functions of the authentication result determination unit 220, the effectiveness determination unit 230, and the limit amount setting unit 240 described above may be realized by hardware or may be realized by software. When implemented by software, the CPU (not shown) in the automatic transaction apparatus 200 is actually a ROM or RAM that stores a program that records processing procedures for realizing these functions (both not shown). This is realized by reading out the program from the storage medium, and interpreting and executing the program. The CPU may operate using the RAM as a work area based on a program stored in the ROM.

<2. Operation of automatic transaction system>
Next, operation | movement of the automatic transaction system 10 which concerns on one Embodiment of this invention is demonstrated using FIG. 2 and FIG. The user 400 performs biometric authentication processing in advance in the mobile communication terminal 100 and authenticates the automatic transaction apparatus 200 using the authentication result.

[2-1. Operation flow of mobile communication terminal]
First, an operation flow on the mobile communication terminal 100 side will be described with reference to FIG. FIG. 2 is a flowchart showing the operation of the mobile communication terminal 100 according to an embodiment.

  First, the user 400 starts the biometric authentication application of the mobile communication terminal 100 (S100). Next, the biometric authentication unit of the mobile communication terminal 100 acquires the biometric information of the user 400 (S102). Next, the biometric information matching unit determines whether or not the biometric authentication process is successful (S104). If the authentication is successful, the process proceeds to step S106 for setting the next expiration date.

  The step of determining whether or not the biometric authentication process in step S104 is successful is whether or not the biometric information of the user 400 acquired by the biometric information matching unit 112 in step S102 matches the biometric information registered in advance. Determine. The biometric information registered in advance is stored in a place where the mobile communication terminal 100 can obtain, and may be stored in a storage unit inside the mobile communication terminal 100 or can be obtained via a network. It may be stored at the place.

  In step S106, the validity period information setting unit 114 sets the validity period information of the authentication information. As the validity period information, a period set by the user 400 in advance may be set as the validity period information, or a value input by the user 400 in step S106 may be set. Further, it may be a value uniquely determined in advance by the system.

  When the validity period of the authentication information is set in the validity period information setting unit 114, the authentication information including the biometric information matching result and the validity period information is stored in the authentication information storage unit 120 (S108). The authentication information stored here is preferably stored in a form that cannot be tampered with. For example, it is stored using an electronic signature.

  The user 400 performs the processing from step S100 to step S108 in advance, and stores the authentication information in which the validity period is set in the mobile communication terminal 100 when the operation of the automatic transaction apparatus 200 is started. It is.

[2-2. Operation flow of automatic transaction equipment]
Next, the operation flow of the automatic transaction apparatus 200 will be described with reference to FIG. FIG. 3 is a flowchart showing the operation of the automatic transaction apparatus 200 according to an embodiment.

First, the user 400 selects a desired transaction on the operation screen of the automatic transaction apparatus 200 (S200). For example, “Drawer”
Suppose that the process of withdrawing cash is selected.

  Next, the user 400 inserts a card for performing a transaction in the automatic transaction apparatus 200 (S202). Examples of the card to be inserted include a cash card and a credit card.

  When a card is inserted into the automatic transaction apparatus 200, the automatic transaction apparatus 200 transitions to a state where a password can be input. The user 400 inputs a password (S204). Here, when the password is determined, the automatic transaction apparatus 200 determines whether or not the password is registered in advance (S206), and the input password does not match the registered password. In this case, the automatic transaction apparatus 200 performs a transaction continuation disabling process (S218) and ends the transaction. If the password is not determined here, the password is determined in the same manner as the general process in the transaction continuation (S216).

  Here, if the passwords do not match, the process may return to the password input in step S204. Further, if the passwords do not match a predetermined number of times, the process may proceed to a transaction continuation disabling process in step S218.

  When the passwords match in step S206, or when the password determination is transferred to the subsequent processing, the automatic transaction apparatus 200 determines whether or not to perform biometric authentication processing. This determination may be in accordance with an input from the user 400 or may be registered in advance as to whether or not to perform biometric authentication.

  When biometric authentication is not performed, the process proceeds to step S216 and the transaction is continued. The user 400 may be set in advance so that a transaction cannot be performed without biometric authentication. When biometric authentication is performed, authentication information is acquired from the mobile communication terminal 100 in the receiving unit 210 (S210).

  The automatic transaction apparatus 200 determines whether or not the transaction can be continued based on the acquired authentication information (S212). This step S212 includes a step of determining whether or not the authentication is successful based on the biometric information matching result included in the authentication information in the authentication result determination unit 220, and a validity period information included in the authentication information in the effectiveness determination unit 230. And determining whether or not the authentication information is valid.

If the biometric authentication is successful in step S212, then the limit setting unit 240 sets a limit of the transaction amount that the user 400 can trade in the automatic transaction apparatus 200 (S214). In subsequent transactions, the amount up to the limit set here can be traded. Here, the limit is set according to the validity period of the authentication information. A specific example will be described later. In the specific examples described later, “drawer” is used as an example, but a different amount may be set for each transaction function, such as “transfer” and “transfer”.

  As described above, when the user 400 is authenticated by biometric authentication, the transaction selected in step S200 can be continued (S216).

[2-3. Transaction limit setting]
Next, a specific example of the method for setting the transaction limit amount in step S214 will be described with reference to FIGS. FIG. 4 is an explanatory diagram showing authentication information according to an embodiment. FIG. 5 is an explanatory diagram showing limit amount information according to an embodiment.

  The authentication information 600 is an example of authentication information stored in the mobile communication terminal 100 and transmitted to the automatic transaction apparatus 200. The authentication information 600 includes an authentication result 6001, an authentication date / time 6002, and a validity period 6003. The authentication date and time 6002 and the valid period 6003 are examples of valid period information.

  The validity period information is information necessary for determining whether or not the authentication information is within the validity period. Here, the authentication date and time 6002 and the validity period 6003 are used, but, for example, the validity period 6003 and the expiration date and time may be included. For example, if the limit amount is determined based on the elapsed time from the authentication date and time 6002, only the authentication date and time 6002 may be stored.

  An authentication result 6001 is an example of a biometric information matching result indicating a result of biometric authentication in the mobile communication terminal 100. Set to 1 if biometric authentication is successful, and 0 if failed. Also, this value is not limited to this, and any value that can distinguish between success and failure is acceptable.

  The authentication date and time 6002 represents the date and time when biometric authentication was performed. Although expressed in the order of year / month / day / hour / minute / second, it is not limited to this. The authentication date and time 6002 may be indicated by only the date, for example, or may be indicated in the order of month, day, hour, minute and second. An effective period 6003 is an effective period of the authentication result 6001. It is set when biometric authentication is performed, and the authentication result 6001 becomes invalid after this period. Here, the invalidity of the authentication result 6001 may be determined as invalid from the time managed by the automatic transaction apparatus 200 when the automatic transaction apparatus 200 receives the authentication information 600, or the mobile communication terminal 100. When the mobile communication terminal 100 determines that the authentication is invalid based on the time managed by the mobile communication terminal 100, the authentication result 6001 may be replaced with failure information, and the automatic transaction apparatus 200 may treat the biometric authentication as failed.

  The limit amount information 700 is information that the automatic transaction apparatus 200 refers to when setting a limit amount. The limit amount information 700 includes a validity period 7001 and a limit amount 7002. The limit amount information 700 indicates a correspondence relationship between the validity period 7001 and the limit amount 7002.

  The automatic transaction apparatus 200 receives the authentication information 600 and first determines whether or not the authentication result 6001 is a value indicating successful authentication. Next, it is determined whether or not the information indicating the authentication success is valid. The authentication date and time 6002 and the validity period 6003 are taken out, the expiration date and time are calculated and compared with the current time. When it is determined that the authentication information is valid, the automatic transaction apparatus 200 sets a limit amount.

  The valid period 6003 of the authentication information 600 is extracted, the value represented by the valid period 6003 is searched from the valid period 7001 of the limit information 700, and the limit 7002 corresponding to the value is set.

  Next, a first modified example of authentication information and limit information will be described with reference to FIGS. FIG. 6 is an explanatory diagram showing a first modification of authentication information according to an embodiment. FIG. 7 is an explanatory view showing a first modification of the limit amount information according to the embodiment.

  The authentication information 610 includes a user ID 6101, an authentication result 6102, an authentication date and time 6103, and a validity period 6104. The difference from the authentication information 600 is that the user ID 6101 is included. The user ID 6101 may be a group ID associated with a plurality of users.

  When the authentication information 610 includes the user ID 6101 as described above, the limit amount information can be changed for each user 400 as shown in FIG. In this case, the automatic transaction apparatus 200 receives the authentication information 610 and takes out the limit information 710 corresponding to the user ID described in the user ID 6101. Next, a limit amount is similarly set based on the specified limit amount information 710.

  In the present embodiment, the authentication result is a value of 0 or 1. In the modification, an example in which an ID for identifying the user is separately provided has been described. However, the present invention is not limited to such an example. For example, if the authentication result is 0, it is a failure, and if it is a value other than 0, it is a success. Also good. The value for identifying the user may be a value created from date and time information. Further, the value for identifying the user may be a value given in advance such as a serial number. Thus, when the value of the authentication result is used as the user ID, it is preferable in that it is not necessary to newly provide a user ID area.

  As described above, according to the automatic transaction system 10 according to the present embodiment, the information transmitted from the mobile communication terminal 100 to the automatic transaction apparatus 200 is information indicating whether the authentication is successful and information indicating the validity period. For example, since information such as card information is not included, even when the mobile communication terminal 100 is lost, the mobile communication terminal 100 alone cannot operate the automatic transaction apparatus 200, so that security safety is improved.

  Further, since the validity period is also provided in the authentication information, the safety can be further improved. Moreover, since it is possible to set a limit on the transaction amount in the automatic transaction apparatus 200 based on the validity period, for example, even if the mobile communication terminal 100 and the cash card are lost at the same time and misused, Can be minimized.

  As mentioned above, although preferred embodiment of this invention was described in detail, referring an accompanying drawing, it cannot be overemphasized that this invention is not limited to this example. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  In this specification, the steps described in the flowcharts are executed in parallel or individually even if they are not necessarily processed in time series, as well as processes performed in time series in the described order. Including processing to be performed. Further, it goes without saying that the order can be appropriately changed even in the steps processed in time series.

DESCRIPTION OF SYMBOLS 10 Automatic transaction system 100 Portable communication terminal 112 Biometric information collation part 114 Effective period information setting part 120 Authentication information memory | storage part 130 Transmission part 200 Automatic transaction apparatus 210 Receiving part 220 Authentication result determination part 230 Effectiveness determination part 240 Limit amount setting part 300 Communication Line 400 user

Claims (5)

A biometric information matching unit that generates a biometric information matching result indicating whether or not the biometric information of the user matches the biometric information registered in advance;
An effective period information setting unit that sets effective period information of the biometric information collation result in the biometric information collation result when the biometric information collation unit authenticates the user as a biometric registered in advance;
An authentication information storage unit that stores authentication information including the biometric information matching result and the validity period information;
A transmission unit that transmits the authentication information to an automatic transaction apparatus that makes a transaction with the mobile communication terminal based on the authentication information;
Equipped with a,
The expiration time information, Ru information der changing the limit of the transaction amount in the automatic transaction apparatus based on the validity period the mobile communication terminal. The valid period information setting unit sets the valid period information of the authentication information based on any of the expiration time inputted by the user, the portable communication terminal according to claim 1. An automatic transaction apparatus that performs transactions based on authentication information by a biometric authentication function of a mobile communication terminal,
A receiving unit that receives the authentication information including the biometric information matching result and the validity period information from the mobile communication terminal;
An authentication result determination unit that determines whether authentication is successful based on the biometric information matching result;
A limit amount setting unit for setting a limit amount of the transaction amount based on the validity period information;
An automatic transaction apparatus comprising: A biometric information matching unit that generates a biometric information matching result indicating whether or not the biometric information of the user matches the biometric information registered in advance;
An effective period information setting unit that sets effective period information of the biometric information collation result in the biometric information collation result when the biometric information collation unit authenticates the user as a biometric registered in advance;
An authentication information storage unit that stores authentication information including the biometric information matching result and the validity period information;
A transmission unit that transmits the authentication information to an automatic transaction apparatus that makes a transaction with the mobile communication terminal based on the authentication information;
A mobile communication terminal comprising:
A receiving unit that receives the authentication information from the mobile communication terminal;
An authentication result determination unit that determines whether authentication is successful based on the biometric information matching result;
A limit amount setting unit for setting a limit amount of the transaction amount based on the validity period information;
An automatic transaction apparatus comprising:
Having an automatic trading system. An automatic transaction method for performing authentication in an automatic transaction apparatus using a biometric authentication function of a mobile communication terminal,
Generating a biometric information collation result indicating whether or not the biometric information of the user matches the biometric information registered in advance in the mobile communication terminal;
Setting the validity period information of the biometric information matching result when the biometric information matching result indicates that the user is authenticated as a pre-registered biometric;
Storing authentication information including the biometric information matching result and the validity period information;
Transmitting the authentication information to the automatic transaction apparatus;
The automatic transaction apparatus receiving the authentication information;
Determining whether authentication is successful based on the biometric information matching result;
Setting a transaction amount limit in the automatic transaction device based on the validity period information;
Including automatic transaction methods.

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