JP4952305B2 - Identification system - Google Patents

Description

The present invention relates to a person confirmation system and a window terminal for confirming a person who appears at a window.

There are imaging devices that monitor fraud against transaction processing devices such as automatic transaction devices (ATMs), unmanned contractors, shopping terminals, etc. of financial institutions such as banks and credit unions, and a monitoring system using the imaging devices. In some cases, the photographed image data of the user is recorded in a storage unit in association with the operation of the transaction processing apparatus in transaction (for example, Patent Document 1).
In addition, there are those with journal data with transaction operation images that are recorded on the operation server when transactions are made with an automatic transaction device (ATM), and the transaction operation images are downloaded from the operation server at the next transaction and displayed on the ATM. There is something to do. Therefore, the customer can easily identify the operator in the past, can easily confirm who the operator was, such as an unrecognized transaction, and can contribute to early detection of crime (for example, Patent Document 2). ).

On the other hand, at the sales counter of a financial institution, the customer information read from the customer's cash card or passbook at the reception terminal and the image taken with the camera are stored together with the reference number and called to the counter based on the reference number. When dealing with a customer, there is one that displays a customer image taken with a camera together with customer information on a window terminal. Therefore, it is possible to confirm that the customer is the customer himself / herself accepted at the reception terminal (for example, Patent Document 3).
In addition, there is a case where a customer whose reception number is notified by the reception terminal or the like when visiting the store is called to the window by the reception number, and a facial image is registered by the biometric information photographing apparatus, and the displayed image is inappropriate as a registered image. If it is determined that the image is taken, the image is taken again (for example, Patent Document 4). According to this technology, a registered image is unsuitable for confirmation, for example, a face whose face is unclear due to face-down or wearing a hat can be eliminated, and a safer counter transaction is possible. .
JP 2001-169272 A (Claim 10) JP 2005-320993 (paragraph 0011) JP 2004-240600 (paragraph 0023 and FIG. 4) JP 2006-209376 (paragraphs 0020 to 0021)

However, the customer's image is collected at the time of transaction by an automatic transaction device (ATM), and the face image is acquired from the customer who wants to save the transaction history and the customer who wants the window transaction, and temporarily stores it, and calls it. When dealing with a customer, the system for displaying customer images taken with a camera together with customer information on a window terminal is constructed as an individual system, so that the capital investment amount is rising.

Therefore, an object of the present invention is to provide an identity verification system and a window terminal that can solve the above-described problems and that allow a safe transaction at a window while avoiding an increase in capital investment.

The present invention includes a window terminal operated by a teller who performs transaction business at a window, an automatic transaction apparatus capable of acquiring biometric information of a customer who conducts a transaction while the customer himself performs an account transaction, and a history of those account transactions. Is an identity verification system having an operation server that stores the biometric information acquired by the automatic transaction apparatus and the history of the account transaction in association with the history of the account transaction, and when the account transaction is performed by the window terminal, The biometric information in the operation server is used, and the biometric information used is stored in the operation server in association with the account transaction history at the window .

According to the identity verification system of the present invention, whether the same person is used by using the biometric information of a customer collected at the time of transaction by an automatic transaction apparatus (ATM) or the like and using the biometric information at the time of transaction processing at a window Since confirmation of whether or not, it is possible to avoid an increase in the amount of capital investment and to prevent impersonation of others.

Hereinafter, embodiments of the present invention will be described in detail. In the following description, identity verification at the time of a withdrawal transaction using a bankbook at a bank window will be described using an example in which a face image is used as biometric information used for verification.

FIG. 2 is a conceptual diagram of the identity verification system of the present invention. The identity verification system according to the present embodiment includes a window terminal 1 operated by a teller who performs transaction business at a window, an automatic transaction apparatus 2 that enables the customer himself to perform account transactions and acquire biometric information of the customer who performs the transaction, The journal collection server 3 for storing the account transaction history and the accounting host computer 4 are connected by a dedicated line 6. Although financial transaction as Internet banking is possible, it is not shown because it is not directly related to the present invention.

The window terminal 1 is a device for inputting identification (attribute) information such as a reception number for identifying a customer (recipient), a bankbook account number, and a name. The window terminal 1 is a kind of computer that is arranged at a counter such as a high counter or a low counter of a sales office and is operated by a teller. In addition to a display unit 12, a calculation unit such as a CPU and an MPU, a storage unit 14 such as a semiconductor memory and an HDD, a communication interface and a control unit 13 for controlling each unit. Further, a passbook slip printer or the like (not shown) is connected to the window terminal 1.

The automatic transaction apparatus 2 opens an account at a financial institution and conducts a financial transaction by a customer operation. The automatic transaction apparatus 2 can perform cash deposit / withdrawal, transfer, passbook entry, various reports, and the like. This automatic transaction apparatus 2 includes a customer image camera 21 for collecting facial images as biometric information of customers, a customer service unit 22 for receiving transaction operation input and operation guidance, and cash deposit / withdrawal, transfer, passbook entry, and various reports. First, there is a control unit 23 that controls the entire operation including the operation control of the customer image camera 21 and the customer service unit 22.

When a transaction such as deposit / withdrawal, transfer, passbook entry, various reports, etc. is performed, the transaction date / time, store number, machine number, transaction amount, account information, etc. are stored in the storage unit 24 as electronic journal information.
An electronic journal acquisition method is disclosed in Japanese Patent Application Laid-Open No. 6-68339 filed by the applicant of the present application. A method for photographing a customer's face image on the automatic transaction apparatus side is disclosed in Prior Art Document 1 of the present application. There is what is described as.

Further, the automatic transaction apparatus 2 has a function of reading the information from a cash card issued by a financial institution and storing customer information such as a code for each financial institution, a customer account number, and a name, a reading function of an embossed image, etc. There is a card processing unit. In addition, it has a passbook processing unit that performs a printing process or the like on a passbook inserted from a passbook insertion / return port, and a statement slip processing unit that prints transaction details and issues a statement slip issued to a customer.
In addition, there is a money depositing / withdrawing unit that authenticates and counts the money deposited by the customer, conveys it and stores it in a denomination safe, or pays out the money paid to the customer from the denomination safe.

The journal collection server 3 as an operation server stores account transaction information performed at the window terminal 1 and the automatic transaction apparatus 2 and apparatus information (installation location, store number, machine number) used for the transaction. Is stored in the electronic journal database 31.
The account host computer 4 records, stores, and manages customer account information stored in the customer information database 41, and records and manages customer deposit and saving balance information and the like.

The operation management terminal 5 receives the data of the account transaction information and the device information used for the transaction performed regularly at the window terminal 1 and the automatic transaction apparatus 2 by the journal collection server 3 and stores them in the electronic journal database 31. For querying status and journals. The operation management terminal 5 is also a kind of computer operated by a full-time person, and includes an input unit 51 such as a keyboard / mouse, a display unit 52 such as a liquid crystal display, and a calculation unit such as a CPU and MPU, a memory such as a semiconductor memory and an HDD. In addition to the unit 54, a communication interface and a control unit 53 for controlling each unit are provided.

The window terminal 1, the automatic transaction apparatus 2, the journal collection server 3, and the accounting host computer 4 are connected by a dedicated line 6 so that transaction information can be transmitted and received.
In addition, the window terminal 1 and the automatic transaction apparatus 2 are not limited in quantity and are not limited to a specific sales office, and include all transaction apparatuses such as unmanned stores and mobile stores. 6 or a communication line (not shown).

Next, a transaction example in the automatic transaction apparatus 2 will be briefly described.
When the customer approaches the automatic transaction apparatus 2, this is detected, and the control unit 23 causes the customer selection unit 22 to display a transaction selection screen. Here, when the customer selects the “withdrawal” button, a screen prompting insertion of a cash card is displayed on the customer service unit 22, and the customer inserts the owned cash card into the card processing unit.
The control unit 23 drives the card processing unit to read a customer (attribute) report such as an account number from the cash card or read an emboss image and display a screen prompting the input of a personal identification number.

When the customer inputs the password, information such as the password and account number is transmitted to the accounting host computer 4 via the dedicated line 6. The account host computer 4 searches for the password number from the received account number and compares it. If the code numbers match, the deposit / savings balance information is confirmed, and it is determined whether the transaction can be permitted from the deposit / savings balance or the fixed deposit balance amount. When the transaction is possible, a transaction permission notification is transmitted to the automatic transaction apparatus 2.

On the other hand, the control unit 23 transmits information such as a personal identification number and an account number to the account host computer 4 and at the same time, displays a payment amount input screen, causes the customer service unit 22 to input a withdrawal amount, and inputs the information. Once stored in the storage unit 24. Receiving the withdrawal permission notice, the control unit 23 drives the money depositing / withdrawing unit, reads the amount information stored in the storage unit 24, and dispenses the corresponding money.
Further, the statement slip processing unit is driven to print the transaction statement slip. Then, the card processing unit and the statement slip processing unit are operated to return the cash card and the transaction statement slip to the customer. Along with this return operation, the customer image camera 21 is controlled, and at least one shot of the customer's face image is taken and stored in the storage unit 24.

When the customer receives the cash card, the transaction statement, and the cash, the control unit 23 ends the transaction, starts editing the electronic journal data, and means that the withdrawal transaction with respect to the accounting host computer 4 is completed. Send a message to do. The account host computer 4 updates the deposit / savings balance information in the customer information database 41 corresponding to the account number, and ends all processing.
The control unit 23 associates the customer face image stored in the storage unit 24 with the transaction date and time, the amount information, and the embossed image in association with the account number, and stores them in the storage unit 24 as electronic journal data.
These electronic journal data are collected periodically (or in real time) according to instructions from the journal collection server 3 and stored in the electronic journal database 31. Note that after being stored in the electronic journal database 31, the electronic journal data in the storage unit 24 is erased.

FIG. 3 is an explanatory diagram showing the concept of transaction history data in the electronic journal database.
In the illustrated example, the transaction history is described in order of transaction date from the transaction history described in the lower row toward the transaction history in the upper row. In the description, the latest transaction history will be referred to as the first transaction history, and will be referred to as second, third,...
In addition, PH1, PH2, PH3, and PH4 are biometric information (reference symbols) stored in association with the second transaction history information, the third transaction history information, the sixth transaction history information, and the seventh transaction history information, respectively. PH and face image information).

The first transaction history 311 will be described. The transaction date is “2007.02.27”, and the transaction time “15:05” of the customer indicates that the transaction was made using Internet banking. The information “net transfer”, the transfer amount “200,000 yen” as the transaction amount, and the name of the financial institution “XX bank” that makes it possible to specify the installation location, etc., indicated by (***) Bank information is stored at the location.
Further, “IC / biological” described in the third transaction history 313 means that identity verification is performed by using biometric information in the IC card (biometric authentication) when a customer makes a transaction. For example, an IC cash card that electronically stores customer's biometric information is used, and the matching rate between the biometric information collected by the transaction device and the biometric information in the IC cash card is high, and the transaction confirms the identity of the person. It shows that there is.
If the cash card used for the transaction is identified and displayed as an IC cash card or a magnetic card in which no biometric information is stored, it is possible to determine whether the security level during the transaction is high or low.

Next, the operation of the identity verification system of the present invention will be described. FIG. 1 is a flowchart showing a window transaction in an embodiment of the present invention. Here, it is assumed that a withdrawal transaction (cash 200,000 yen) is performed at the window, and that transaction history information shown in FIG. 3 is stored as transaction history data.

S1: A customer who visits a sales office of a financial institution describes a withdrawal amount and an address name on a withdrawal slip, and further stamps a notification seal and presents it together with a bankbook to a teller. In addition, although a reception order is also secured in advance from a reception terminal or a number tag issuing machine, it is omitted in the present invention.
A window clerk (hereinafter referred to as a teller) visually confirms the presented slips and designates a withdrawal screen from the input unit 11 of the window terminal 1, and then displays it on the display unit 12 according to an instruction from the control unit 13 (not shown). The gold transaction screen is displayed.

S2: The teller inputs the customer attribute information such as the account number described in the refund slip and the account number described in the passbook from the input unit 11. Subsequently, a transaction amount (200,000 yen) is input, and a key operation indicating completion of input is performed. By inserting the passbook into a passbook slip printer (not shown), information such as an account number can be read from the magnetic stripe attached to the passbook and replaced with an input operation.
S3: The window terminal 1 transmits the input account number, withdrawal amount information, etc. to the accounting host computer 4 via the dedicated line 6. This transmission message includes information indicating a customer face image inquiry.

S4: In accordance with the received account number information, the account host computer 4 determines whether or not the withdrawal transaction can be permitted from the deposit / settlement balance amount or the fixed deposit balance amount, and instructs the journal collection server 3 to make a journal inquiry. This journal inquiry is for extracting a customer's face image.
In the journal collection server 3, transaction history data is searched from the account number. This search is executed by a search program stored in advance in the journal collection server 3, but it also works for journal inquiries by operations such as inputting an account number from the operation management terminal 5.

S5: The journal collection server 3 searches the transaction history stored in association with the designated account number in the electronic journal database 31. First, the latest transaction history data is extracted from the transaction history of the specified account number and analyzed. The number of analyzes is not limited to one. Specifically, since the face image data does not exist in the first transaction history 311, the second transaction history data 312 before the first transaction history data 311 is also extracted and analyzed. Then, the presence of face image data PH1 can be detected.

In this way, the first transaction history 311 to the seventh transaction history data 315 that is the oldest transaction history data are searched, and the face image data PH2, PH3, and PH4 are extracted from each.
S6: The journal collection server 3 first extracts the first transaction history data 311 and the face image data PH1 as the search results, the second transaction history data 312, and further the third transaction history data 313 and the face image data PH2. The information of the sixth transaction history data 314 and the face image data PH3, and the seventh transaction history data 315 and the face image data PH4 is transmitted to the window apparatus 1.

Note that the transaction history data and face image data received by the window terminal 1 from the journal collection server 3 may have a predetermined number of cases or conditions. That is, the number of face image data is determined until at least one face image data is extracted. However, there is a case where no face image data exists from the case where face image data is present in all transaction histories.
In this example, it is assumed that there is at least one face image data. However, if there is no face image data, verification using face image data is impossible. become.

S7: The control unit 13 develops the received transaction history data on the display unit 12. That is, as shown in FIG. 4, the history data 122 is displayed on a part of the current withdrawal transaction screen (in the figure, below the center). On the withdrawal transaction screen 121, the face image data PH1 registered in the second transaction history data 312 is displayed as the face image 123. The face image data PH3 and the face image data PH4 are temporarily stored in the storage unit 14 together with the sixth transaction history data 314 and the seventh transaction history data 315.

S8: The teller compares the displayed face image 123 with the face of the customer at hand, and if it is determined by visual confirmation that the person is the same person, the process proceeds to step S10 described later. When it is determined that the coincidence with the face image 123 is low, the process proceeds to the next step S9.
S9: Since the face image data exists in the transaction history data received from the journal collection server 3 and stored in the storage unit 14, the control unit 13 performs a request operation for the next screen information. Display that can be.

The teller displays the face image data PH2 stored in the transaction history data 313 when the face image data PH1 stored in the transaction history data 312 does not match or resembles the face of the customer at hand. This is displayed on the unit 12. It is visually confirmed whether the face image 123a matches the customer's face. In this way, when different from the displayed face images 123, 123a, the device installation location in the past transaction is inquired, or the past transaction history is traced (arrow A direction), for example, the face image data PH3, The face image data PH4 is displayed.
Note that when the face images are different, it is possible to give up the identity confirmation by the image at the judgment of the teller and shift to the confirmation by the certificate. In this case, a high confirmation level is set, for example, only a certificate with a face photo is valid.

S10: Teller requests a certificate from the customer. The customer presents a medium (certificate) on which the customer's own facial photograph is affixed, such as a license or passport prepared in advance. In the case of a health insurance card etc. without a face photo attached, the customer is confirmed by asking questions as appropriate. In this case, the customer's telephone number, date of birth, and the zodiac of the year of birth may be confirmed.
S11: When the teller confirms that the customer is the customer from the presented certificates, the process proceeds to the next step S12. If the probability of identity is low due to the presented certificates or questions, the process proceeds to step S15 described later.
S12: The teller inputs the type of certificate used for identity verification on the transaction screen. This input is selected by checking a check box of a document name displayed in advance. For example, a driver's license, passport, health insurance card, or the like is selected. When other items are checked, a certificate class name is specifically input from the input unit 11.

S13: Subsequently, the teller registers the face image data used for identity verification. That is, from the face image data of the customer extracted from past transaction history data, the face image data used by the teller for identity verification is registered in the current withdrawal transaction. The face image data may be digital data as it is, but since the amount of data increases, the current transaction history may be associated with a past history number that can be identified, and may be read out.
When the registration operation is completed, when the confirmation button Ent is selected, the face image 123 displayed as the completion of the identity verification is a withdrawal transaction screen that is erased from the screen.

S14: Since the identity verification has been completed, the control unit 13 continues the withdrawal transaction.
For example, a withdrawal slip and passbook entry are received, and a cash supply of 200,000 yen is received from a cashier, and the customer is called and handed over.
When the withdrawal transaction is completed, the control unit 13 generates transaction history data 310 as shown in FIG. 5 and stores it in the storage unit 14. The transaction history data 310 is collected by the journal collection server 3 and becomes transaction history data 310a in the electronic journal database 31, which is used at the next transaction. Further, “exemption” means a certificate class name (license).

S15: When the certificates to be presented in step S11 are not presented, or in the case of the certificates of a person other than the account opener, a notice is given that the transaction cannot be made.
S16: The teller presses the cancel button from the input unit 11, for example, inputs an operation for canceling the transaction, and returns the document. Then call a customer waiting for the next transaction.
In reality, it is difficult to convince that transactions are rejected unless they are fraudsters. However, some elderly people do not have certificates with facial photographs, such as a driver's license, so it is assumed that it is difficult to present a pension book or insurance card and answer questions. In such a case, teaching of a certificate class name whose contents can be confirmed, a transaction using a cash card, and the like are induced.

Next, a display example of electronic journal information displayed on the display unit of the window terminal of the present invention shown in FIG. 4 will be described. In the figure, the withdrawal transaction screen 121 displays attribute information such as the customer name and account number, as well as the withdrawal amount. In the present invention, the history data 122 is displayed in addition to the withdrawal transaction screen 121, and the previous transaction information and the transaction information such as the previous transaction are displayed. The contents include transaction date and time, transaction subject, branch office name of the financial institution that performed the transaction, and presence / absence information of face image data. The store information is displayed to the extent that the installation location of the automatic transaction apparatus can be specified.
In addition, there is a case where “IC / biological” is displayed indicating that the biometric information is stored in the IC cash card and the identity is confirmed by the biometric information at the time of transaction (in the figure, the transaction of the transaction three times before is displayed). Case)

When the cancel button F1 is selected, the withdrawal transaction itself is canceled, and when the previous image button F2 is selected, the face image data received from the journal collection server 3 and stored in the storage unit 14 is returned to the previously displayed face image data. indicate. When the next image button F3 is selected, the face image data of the next candidate received from the journal collection server 3 and stored in the storage unit 14 is displayed. When the image inquiry button F5 is selected, the face image data (for example, PH1 and PH2) stored in the storage unit 14 are compared, and the matching rate and the like are displayed.
When the image registration button F6 is selected, face image data (for example, PH2) corresponding to the selected face image 123 is registered in association with the current transaction history. When the correction button F9 is selected, the process proceeds to correction of the withdrawal amount, denomination designation, and the like.
When the confirmation button Ent is selected, the identity confirmation by this screen display is completed.

From the cancel button F1 to the confirmation button Ent, each button input from the input unit 11 may be performed, or a mouse input may be performed. Although description is omitted, it is possible to input by touching the button display portion lightly as a touch panel type.

The present invention is not limited to the withdrawal transaction at the window described with reference to FIG. Since the account information is obtained from the presentation, and the face image of the person is obtained from the transaction history in the account, the security can be improved.

Furthermore, in general, many withdrawal transactions and transfer transactions in an automatic transaction apparatus are mostly based on cash cards. Recently, the cash card has been integrated into an IC (integrated circuit), and a large amount of transaction history can be stored as digital data. Therefore, each time a transaction is made by an automatic transaction apparatus using an IC cash card as an IC card, the customer's face image is collected by the automatic transaction apparatus and stored in the IC cash card. As one example, an IC cash card may be presented and a face image stored in the IC cash card may be displayed to verify the person.

In the above description, the counter service of a financial institution has been described as an example, but the present invention is not limited to this. In other words, it can be used for identity verification in entrance / exit management of a security space.

It is a flowchart which shows the procedure of the personal identification process of this invention. It is a conceptual diagram of the identity verification system of this invention. It is explanatory drawing which shows the concept of the transaction history data in the journal collection server of this invention. It is explanatory drawing which shows the example of a display of the electronic journal information displayed on the display part of the window terminal of this invention. It is explanatory drawing which shows the concept of the transaction history data of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Window terminal 2 Automatic transaction apparatus 3 Journal collection server 12 Display part 21 Customer image camera 22 Customer service part 31 Electronic journal database PH Biometric information (face image data)

Claims (6)

A window terminal operated by a teller who conducts business at the window;
An automatic transaction apparatus that enables the customer himself to perform account transactions and acquire the biometric information of the customer who performs the transaction operation;
An identity verification system having an operation server for storing the history of account transactions,
The biometric information acquired by the automatic transaction apparatus and the history of the account transaction are associated and stored in the operation server, and the biometric information in the operation server is used and used at the time of account transaction by the window terminal . An identity verification system, wherein the biometric information is stored in the operation server in association with a history of account transactions at a window . The identity verification system according to claim 1,
The window terminal is provided with a display unit for displaying customer account information,
The biological information is face image information,
The identity verification system which displays the face image linked | related with the newest transaction log | history on the said display part, when the log | history of the said account transaction exists in multiple numbers. The identity verification system according to claim 1,
In the automatic transaction apparatus, it is possible to make a transaction using an IC card held by a customer,
An identification system for notifying the window terminal whether or not the automatic transaction apparatus has authenticated the person using the IC card. The identity verification system according to claim 1,
The information stored in the operation server includes installation location information of the automatic transaction apparatus,
An identity verification system for displaying information related to an installation location of the automatic transaction apparatus on the window terminal. The identity verification system according to claim 1,
In the history of account transactions by the window terminal,
An identity verification system that adds and stores a certificate type other than the confirmation based on the biometric information. The identity verification system according to claim 2,
An identity verification system capable of sequentially displaying a plurality of face image information in the account transaction history information.

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