JP4961117B2 - Automatic cash transaction equipment - Google Patents

Description

  The present invention relates to an automatic teller machine (ATM) installed in a financial institution such as a bank or a post office or a convenience store, and in particular, a cash equipped with a biometric authentication device that authenticates an individual using biometric information. It relates to an automatic transaction apparatus.

  Conventional ATMs mainly use a magnetic card as a personal authentication method, and authenticate whether the user is a valid person in combination with the input of a personal identification number. + Individual authentication using a personal identification number is starting to raise concerns about low security. Therefore, adoption of biometric authentication devices such as IC cards, fingerprints, and finger veins is being studied as an authentication method with enhanced security. For example, a system is disclosed in which a user is authenticated by collating fingerprint data read by an IC card in which fingerprint information is registered and a scanner mounted on an ATM (Patent Document 1).

JP 2001-67523 A

  In the above-mentioned patent document 1, the fingerprint scanner is arranged in the foremost portion of the right end of the operation surface, but since it is separated from the IC card insertion slot on which the fingerprint information is registered on the front surface of the apparatus, the authentication device is related. There is a problem that it is difficult to understand. In the future, in order to increase the security level, it is necessary to mount a plurality of personal authentication devices, and more and more authentication devices that are easy to understand the relevance of the authentication devices and have good operability are required.

  An object of the present invention is to provide an automatic teller machine in which a personal authentication device including a biometric information authentication device is arranged with good operability and visibility.

  In order to achieve the above object, the present invention provides a plurality of personal information including biological information of a customer next to a display unit for performing display related to the operation of the automatic teller machine in an automatic teller machine that handles cards, passbooks, and banknotes. A configuration including a personal information authentication unit that performs authentication of the above is adopted.

  According to the present invention, it is possible to improve the operability of a personal authentication device including a biometric information authentication device.

  Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

  FIG. 1 shows an external view of an automatic teller machine 27 according to an embodiment of the present invention. The automatic teller machine 27 has a touch panel 1 having an operation guidance display for a customer and an input function such as a password and money input at the center of a flat surface close to the horizontal. On the right side of the handset 2 and the touch panel 1 for guidance, a personal authentication device 3 is arranged in a panel cut portion 4 provided on a plane continuous with display / operation of the touch panel 1. In addition, a coin deposit / withdrawal port 5 is provided at the left back of the touch panel 1 for taking in / out deposit coins and discharging coins / withdrawal. A bill deposit / withdrawal port 6 is arranged.

  Further, the automatic teller machine 27 has a bank face insertion slot 7 on the left side, a card insertion slot 8 for taking in and returning a cash card, a credit card, etc. on the right side, and transaction details on a flat surface near the vertical. A statement slip outlet 9 for discharging a transaction statement slip is arranged. Flicker lamps 10-1 and 10-2 are provided above the bankbook insertion slot 7 and the card insertion slot 8, respectively, and guide the customer to the operation location. In addition, the voice guidance speaker 11 is arranged at the upper right corner of the vertical flat surface.

The general operation procedure from the start of operation to authentication when conducting a transaction is as follows:
(1) A transaction type is input from the touch panel 1.
(2) Insert a card from the card insertion slot 8.
(3) Insert a passbook from the passbook insertion port 7.
(4) Enter the password from the touch panel 1.
It becomes. After that, biometric information authentication processing is performed. By placing the authentication device 3 on the side of the touch panel 1, an operation guide for the authentication device 3 is displayed at a position close to the authentication device 3 in the touch panel 1. It can be displayed on the screen and easy-to-understand guidance is possible. In addition, the customer can proceed with the operation while looking at the touch panel 1, and can proceed with the process without giving the customer a sense of incongruity in biometric information authentication.

  In the first embodiment, a case where a finger vein authentication unit that authenticates finger vein information, which is one of biometric information, is used as the authentication device 3 will be described. The structure which mounted the finger vein authentication unit 14 in the automatic teller machine 27 is demonstrated using FIGS.

  FIG. 2 shows a finger vein authentication unit 14 in which a protruding portion 13 having an outer dimension that fits into the panel cut portion 4 and having a width that fits in the palm is formed, and the finger vein authentication device 12 is mounted thereon. In the present embodiment, the finger vein authentication unit 14 is arranged in the panel cut portion 4 provided on the plane continuous with the display / operation screen of the touch panel 1 as described in FIG. Since the finger vein authentication unit 14 arranged in this way has a shape that protrudes greatly on a plane, the visibility is extremely good.

  FIG. 3 shows an authentication operation state in which the customer places the hand 15 on the finger vein authentication unit 14. As shown in FIG. 3, the finger 16 to be authenticated is set on the finger vein authentication device 12 with a natural feeling by the protruding portion 13 having a width that fits in the palm of the hand.

  FIG. 4 shows a state in which the customer 17 operates the automatic transaction apparatus 27 in a standing posture (in particular, a state in which a card is inserted into the card insertion slot or a hand or a finger is placed on the personal authentication device 3). The state where the customer 17 operates the personal authentication device 3 of the automatic transaction apparatus 27 using the wheelchair 18 is shown. Both show that it is possible to operate with a natural attitude of the customer. In addition, by adopting the configuration shown in FIG. 1, for a visually impaired person, first, the surface of the flat touch panel 1 is recognized, and a protruding portion having a width that fits in a palm on a flat plane next to the finger or palm. 13 and the finger vein authentication device 12 mounted thereon can be easily found.

  FIG. 6 shows a state in which the customer places the hand 15 on the finger vein authentication unit 14 of the automatic cash transaction apparatus 27 and performs an authentication operation as viewed from above the automatic cash transaction apparatus 27. By disposing the finger vein authentication unit 14 on the right side of the touch panel 1, the operation guidance of the finger vein authentication device 12 can be displayed in the area 19 immediately next to the finger vein authentication unit 14 on the touch panel 1, and easy-to-understand operation guidance. Is possible.

  As described above, by disposing the finger vein authentication unit 14 on the side of the touch panel 1, the operation guidance of the finger vein authentication device 12 is displayed in relation to a series of operations with the operation of the touch panel 1 using a finger. As a result, not only for healthy people but also for people who use wheelchairs such as disabled people and visually impaired people, it is possible to operate easily and obtain good operability. It is done.

  In this embodiment, the finger vein authentication unit is used as the authentication device. However, the present invention is not limited to this. For example, a fingerprint scanner may be used.

  In the second embodiment, a case where a plurality of personal authentication devices are mounted in combination in order to increase the security level will be described. 7 to 11, a reader / writer that performs communication between the finger vein authentication device that is the first authentication unit and the mobile phone or the non-contact IC card that is the second authentication unit. A configuration in which a writer is mounted will be described.

  FIG. 7 shows a non-contact type in which a protrusion 13 having an outer dimension that fits in the panel cut portion 4 and that fits in the palm is formed, and communication with a mobile phone or a non-contact IC card is performed on the upper side (back side). A personal authentication device unit 21 in which a reader / writer 20 is mounted and a finger vein authentication device 12 is mounted on the lower side (front side) is shown. As described with reference to FIG. 1, the personal authentication device unit 21 is arranged on the panel cut portion 4 provided on a plane continuous with the display / operation screen of the touch panel 1.

  8 shows a state in which the mobile phone 22 held by the customer in the hand 15 is placed on the non-contact reader / writer 20 in the personal authentication device unit 21, and FIG. 9 shows the state of the customer next to the state of FIG. As a series of operations, a state in which the finger 16 to be authenticated is set on the finger vein authentication device 12 by lowering (or pulling forward) the hand 15 along the protruding portion 13 is shown.

  FIG. 10 is a top view of the automatic teller machine 27 in which the personal authentication device unit 21 shown in FIG. 7 is mounted. FIG. 10 also shows a state in which the series of operations of FIGS. 8 to 9 is displayed on the touch panel 1. That is, an instruction screen for inserting the cash card into the card insertion slot 8 and setting the mobile phone 22 at a predetermined position of the personal authentication device unit 21 is displayed in the area 23-1 of the display 1, and then the mobile phone 22 is An instruction screen indicating that the hand 15 is moved to the finger vein authentication device 12 after being placed is displayed in the area 23-2 of the display 1, and then the finger 16 is set on the finger vein authentication device 12 of the personal authentication device unit 21. A procedure for displaying the instruction screen in the area 23-3 of the display 1 will be described. As described above, the guidance is displayed in the area 23-1 to 23-3 next to the personal authentication device unit 21 in the display 21, and operation guidance that is easy for the customer to understand is possible.

  FIG. 11 shows a case where the non-contact IC card 24 is placed in the non-contact reader / writer 20 in the personal authentication device unit 21, and the operation method is exactly the same as that of the mobile phone 22. Further, when the non-contact reader / writer 20 is arranged on the upper side (back side) of the personal authentication device unit 21 as described above, there is an effect that neither the non-contact IC card 24 nor the mobile phone 22 is easily dropped when operated by the customer. .

  As described above, the arrangement of the personal authentication device unit 21 is the same as that of the first embodiment and is directly beside the display 1, so that not only healthy persons but also persons using wheelchairs such as disabled persons and visually impaired persons use them. Even so, it can be operated without difficulty and good operability can be obtained.

  In the present embodiment, of the two authentication units included in the personal authentication device unit 21, the first authentication unit is an authentication unit that performs finger vein authentication, and the second authentication unit is included in the non-contact IC card. Although the authentication unit for authenticating personal information is not limited thereto, the first authentication unit and the second authentication unit may be authentication units for authenticating biometric information of different parts, respectively, and one of the biometric information It is also possible to use an authenticating unit that performs authentication of the other, and the other as an authenticating unit that performs authentication other than the non-contact IC card.

  The third embodiment is an embodiment in which the arrangement of the finger authentication / authentication device 12 and the non-contact reader / writer 20 in the second embodiment is turned upside down (the front and the back are reversed). The configuration of the third embodiment will be described with reference to FIGS.

  FIG. 12 shows a protrusion 13 having an external dimension that fits in the panel cut portion 4 and that fits in the palm of the hand. The finger vein authentication device 12 is disposed on the upper side (back side), and the lower side (near side). ) Is a personal authentication device unit 25 in which a non-contact reader / writer 20 that communicates with a mobile phone 22 or a non-contact IC card is arranged. The personal authentication device unit 25 is arranged in the panel cut portion 4 provided on the plane continuous with the display / operation screen of the display 1 as described in FIG.

  FIG. 13 shows a state in which the mobile phone 22 held by the customer 15 is placed on the contactless reader / writer 20 in the personal authentication device unit 25. FIG. 14 shows a series of customers following the state in FIG. As an operation of, by raising the hand 15 along the protruding portion 13 (placed in the back), the finger 16 as an authentication target is set on the finger vein authentication device 12. In this case, the finger vein authentication operation can be performed while pressing the mobile phone 22 with the palm of the hand, so that it is possible to prevent misplacement of the mobile phone 22 or theft from the surroundings.

  FIG. 15 shows a case where the non-contact IC card 24 is placed in the non-contact reader / writer 20 in the personal authentication device unit 25, and the operation method is the same as that of the mobile phone 22. In the case where the non-contact reader / writer 20 is not used, the mobile phone or the non-contact IC card installation surface of the non-contact reader / writer 20 can be used as a palm rest.

  As described above, since the arrangement of the personal authentication device unit 25 is next to the display 1 as in the first embodiment or the second embodiment, not only healthy persons but also persons using wheelchairs such as disabled persons, visually impaired persons, etc. Even if it is used, it can be operated without difficulty and good operability can be obtained.

  If the external dimensions of the personal authentication devices that fit into the panel cut portions 4 of the personal authentication device units 14, 21, and 25 described in the first to third embodiments are the same, the three types of personal authentication described above are used. An automatic transaction apparatus 27 capable of easily mounting any of the devices can be provided. If the dimensions of the panel cut portion 4 are defined as option slots, it is possible to mount various combinations of personal authentication devices in the future. For example, as shown in FIG. 16, it is also possible to define the mounting dimensions of the non-contact reader / writer 20 in FIG. 12 as an option slot and mount a numeric keypad 26 with compatible mounting dimensions.

  As described above, this mounting structure can provide the automatic transaction apparatus 27 that can support various combinations of personal authentication devices. In addition, there is an effect that it is easy to add or change personal authentication devices on-site for devices that have already been shipped.

  As described above, in the present embodiment, the finger vein authentication device 12 is mounted on the protruding portion having a width that fits in the palm on a plane continuous with the horizontal display screen of the automatic teller machine 27, thereby improving visibility and operability. It can be secured. In addition, by arranging a plurality of authentication devices on the side of the display 1 at the top and bottom, it is possible to provide easy-to-understand operation guidance at a position close to the authentication device. In addition, the personal authentication device is mounted vertically on the protruding part of the width that fits in the palm to give a sense of unity, ensuring high relevance, visibility, and operability, and also possible to mount various combinations of personal authentication devices I made it. Also, input devices such as personal authentication devices that are operated by customers are easy to use for not only general adult healthy people but also visually impaired people, wheelchair users, low-sitting people, children, etc. It is desirable to provide it at an easy position.

The external view of the automatic teller machine 27 which is one embodiment of this invention is shown. The personal authentication device unit 14 which mounts the finger vein authentication device 12 installed in the personal authentication device 3 of the automatic teller machine 27 of FIG. 1 is shown. A state where the operator places his / her hand on the personal authentication device unit 14 shown in FIG. 2 is shown. The state in which the customer operates the automatic teller machine 27 in a standing posture is shown. The state in which the customer operates the automatic teller machine 27 using a wheelchair is shown. The state which the customer set the finger to the finger vein authentication device of the automatic teller machine 27 is shown. A personal authentication device unit 21 in which a finger vein authentication device 12 and a contactless reader / writer 20 are mounted is shown. The personal authentication device unit 21 in FIG. 7 shows an operation state in which the customer places the mobile phone 22. The finger vein authentication device 12 of the personal authentication device unit 21 in FIG. 7 shows the authentication operation state where the customer puts his hand. It is a figure which shows the guidance display along the operation procedure of the automatic teller machine 27 in Example 2. FIG. It is a figure which shows the state which put the non-contact IC card in the non-contact reader / writer 20 of the personal authentication device unit 21 of FIG. The personal authentication device unit 25 which mounted the finger vein authentication device 12 and the non-contact reader / writer 20 in Example 3 is shown. The personal authentication device unit 25 in FIG. 12 shows an operation state in which the customer places the mobile phone 22. The personal authentication device unit 25 in FIG. 12 shows an authentication operation state in which the customer places his hand. FIG. 13 shows a state diagram in which a non-contact IC card is placed on the personal authentication device unit 25 of FIG. A personal vein authentication device unit equipped with a finger vein authentication device and a numeric keypad is shown.

Explanation of symbols

1: Display, 2: Handset, 3: Personal authentication device, 4: Panel cut part, 5: Coin deposit / withdrawal slot, 6: Banknote deposit / withdrawal slot, 7: Passbook slot, 8: Card slot, 9: Detailed slip Discharge port, 10-1 and 10-2: Flicker lamp, 11: Speaker, 12: Finger vein authentication device 13: Protruding portion, 14: Personal authentication device unit, 27: Automatic cash transaction apparatus

Claims (4)

In automatic cash transaction equipment used by customers,
A card insertion unit for inserting a card used when using the automatic teller machine;
A passbook insertion unit for inserting a passbook used when using the automatic teller machine;
Banknote deposit / withdrawal unit handling banknotes,
A coin deposit and withdrawal department that handles coins,
A display unit for performing display related to the operation of each unit;
An opening provided on a plane next to the display unit and connected to the display unit;
A plurality of types of individuals for performing personal authentication , including a protruding portion having an external dimension that fits in the opening and a width that fits in the palm, and the protruding portion includes a biometric authentication unit that authenticates the biometric information of the customer. A unit having an information authentication unit ,
The opening has a common outer dimension, automatic teller, wherein mountable der isosamples selects one of the units of a plurality of kinds of personal information authentication unit other than the biometric authentication unit is different apparatus. The unit comprises a first authentication unit that authenticates the biometric information of the customer, the second authentication unit that authenticates the information other than the customer's biometric information,
The automatic teller machine according to claim 1, wherein the first authentication unit is installed on the front side of the unit, and the second authentication unit is installed on the back side of the unit. .   The automatic cash transaction apparatus according to claim 2, wherein the first authentication unit is a finger vein information authentication unit including a finger vein authentication device that performs finger vein authentication of the customer.   The automatic teller machine according to any one of claims 1 to 3, wherein guidance relating to the personal information authentication unit is displayed in an area close to the unit in the display unit.

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