JP5147426B2 - Cash transaction system - Google Patents

Description

  The present invention relates to a cash transaction system and method, and in particular, an automatic cash transaction system including a function of issuing a cash card (hereinafter simply referred to as a card) and a function of performing cash transactions using the card, and It relates to the transaction method.

When a user wants to conduct a cash transaction at a financial institution, the user first goes to the financial institution's window, fills in the necessary information on the application form, opens an account, and then uses the card that is mailed to their home After that, it is common to make a transaction after that. A user can make a cash transaction using a card in an automatic cash transaction apparatus (referred to as ATM).
Recently, the spread of ATMs at financial institutions and convenience stores has increased, and the need to issue cards to customers has increased. When a card is automatically issued from a card issuing machine, it is necessary to confirm that the user is an authorized person.

  Regarding the confirmation of a legitimate user, Patent Document 1 discloses that when a customer uses a terminal of an unmanned store that performs a procedure for joining a consumer financial institution, a face photo of a customer's face photo ID such as a license, A terminal system is disclosed that compares a face photograph obtained by photographing a customer's face on the spot and permits the customer to join when the matching rate is a certain level or higher.

JP 2000-331157 A

  However, in the technique of Patent Document 1, when the collation rate of the face photo is below a certain value, the face photo of the identification card and the face photo actually taken are transmitted to the upper control terminal, where the operator again It is necessary to verify the identity by comparing both face photos. Therefore, as long as an operator intervenes for identity verification, complete automation is difficult, and the technique of Patent Document 1 cannot be applied to an automatic transaction apparatus such as ATM.

  An object of the present invention is to realize a transaction system and method capable of issuing a card without requiring identity verification by an attendant and performing a transaction of cash using the issued card.

The cash transaction system according to the present invention is preferably a cash transaction system in which a terminal system that performs a transaction by a user's operation and a host computer that performs a process for the transaction are connected via a network, The terminal system includes: an imaging unit that captures an image of the user's face; an operation unit that receives an operation for performing the transaction from the user; and the imaging unit that receives the operation when the operation unit receives the operation. A control unit that transmits the captured face photograph of the user (user face photograph) to the host computer, wherein the host computer previously reads the face photograph (identification face) from the user ID Photo) and the user face photo, the user's collation rate based on the user face photo and the ID face photo at the time of the current transaction, A transaction history storage unit that stores a cumulative verification rate obtained by multiplying a rate and a verification rate at the time of the transaction in association with each user and each transaction, and the usage from the terminal system When the person face photo is received, the identification face photo and the user face photo are collated to calculate the collation rate, and a personal collation unit that calculates the cumulative collation rate, and the personal collation unit When the calculated cumulative verification rate is equal to or higher than a limit verification rate indicating a limit value for determining whether or not the person is the principal, the verification count is counted up, and the calculated verification count and the current transaction are calculated. The verification rate and the cumulative verification rate are stored in the transaction history storage unit, and the verification count is the number of times that the cumulative verification count is considered to be an individual when the cumulative verification count is continuously equal to or greater than the limit verification rate. When the number of verifications is greater than or equal to the number, the transaction history storage unit associates the number of verifications with the value at the time of the first transaction and associates the cumulative verification rate at the current transaction with the number of verifications with the same value as at the time of the initial transaction. A cash transaction system comprising: an accumulative collation rate stored in the table, and a permission determination unit that permits execution of the transaction.

In addition, the cash transaction system according to the present invention is preferably connected via a network, a terminal system that can perform at least a cash transaction by a user's operation, and at least a cash transaction that is transacted in the terminal system. In a cash transaction system including a host computer that performs processing for the terminal system, the terminal system includes a camera that captures the face of the user, a card issuing unit that issues a card to the user, and a user inserted An identification reading unit that reads an identification card, a transaction execution unit that executes a transaction selected by the user, a card reading unit that reads a card inserted by the user, an input unit operated by the user, and a transaction An operation unit including a display unit for displaying guidance, and a control unit for controlling each of these units, and the control unit controls the user's image taken by the camera; The card issuing unit transmits a photograph (user's face photo) and a face photo (identification face photo) of the identification card read by the identification card reading unit to the host computer, and according to a result of determination by the host computer. The host computer validates the user face photo obtained from the terminal system and the identification face photo to obtain the collation rate of the user. A principal verification unit to calculate; a card issue determination unit that determines whether or not to issue the card based on a verification result by the verification unit; a transaction availability determination unit that determines whether or not the transaction can be executed for the user; A transaction history storage unit for storing a transaction history of a user who has traded in the terminal system, the identity photo of the user obtained by the identity reading unit, and the photograph obtained by the camera A face photograph storage unit for storing a user face photo, the card issuance determination unit determines whether the card is issued based on the verification rate calculated by the person verification unit, and the transaction determination unit is The transaction history storage unit determines whether or not the transaction can be executed based on the verification rate calculated by the principal verification unit, and the transaction history storage unit calculates the transaction rate as the verification rate calculated during the current transaction, and the verification The cumulative collation rate obtained by multiplying the rate and the collation rate calculated at the time of the previous transaction, and the number of collations between the user face photo and the identification face photo, for each user and transaction The identity verification unit calculates the verification rate and the cumulative verification rate at the time of a transaction, and the transaction availability determination unit determines whether the cumulative verification rate calculated by the personal verification unit is the principal. Limit verification rate indicating the limit value for determining whether or not If it is above, the number of matching is counted up, the counted number of matching, the matching rate calculated at the time of the current transaction and the cumulative matching rate are stored in the transaction history storage unit, When the cumulative collation count is equal to or greater than the specified collation count, which is the number of times that the person is regarded as the principal when the cumulative collation count is continuously equal to or greater than the limit collation rate, the collation count is set to the value at the time of the first transaction, The cumulative verification rate at the time is set to the cumulative verification rate stored in the transaction history storage unit in association with the number of verifications having the same value as that at the time of the first transaction, and the execution of the transaction is permitted. Configured as a trading system.

Preferably, the terminal system includes a card issuing machine that issues a card according to a user's operation, and an automatic cash transaction apparatus that performs a cash transaction according to the user's operation. The camera is operated by the user, the camera for taking a picture of the user's face, the card issuing unit for issuing a card to the user, the identification reading unit for reading the identification card inserted by the user, and When the operation unit including the input unit and the display unit for displaying the guidance for the transaction and the control unit for controlling each of these units are selected by the user and the account opening transaction is selected by the operation unit, The control unit transmits the user face photograph taken by the camera and the identification face photograph read by the identification reading unit to a host computer, and a card issuance message from the host computer is sent to the card The automatic cash transaction apparatus issues a card if it can be used, and the cash automatic transaction apparatus captures the user's face photo, the transaction execution unit executes a transaction selected by the user, and a card inserted by the user. The card reading unit, the input unit operated by the user, the operation unit including a display unit for displaying a guide for transactions, and the control unit for controlling each of the units, the control unit Is a cash transaction system that transmits the user's face photograph taken by the camera to the host computer, and executes a transaction when a transaction possibility message from the host computer is acceptable .

Further preferably, in the case where a transaction for opening an account is selected by a user in the operation unit, the card issuance determination unit of the host computer determines whether or not the verification rate calculated by the personal verification unit and the principal The user face photograph transmitted from the terminal system is determined when the relationship with the limit verification rate that is a limit value for determining the And a cash transaction system for storing the face photo of the identification card with a unique identification ID in the face photo storage unit .

Preferably, the user can input personal identification information and account opening transaction from the operation unit, and the control unit of the terminal system can input an account opening as the input personal identification information and transaction type. Information relating to the transaction is transmitted to the host computer, and the card issuing availability determination unit of the host computer determines the verification rate calculated by the personal verification unit and a limit verification rate that is a limit value for determining whether the user is the principal. The cash transaction system stores the received personal identification information in a storage unit when the verification rate is equal to or higher than the limit verification rate as a result of the determination.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction system which can issue a card | curd and can perform transaction of cash using the issued card | curd, without requiring the identity verification by an operator is realizable.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram illustrating an overall configuration of a cash transaction system provided for an embodiment.
This system is configured by connecting a host computer (referred to as a host) 10 installed in a center, a card issuing machine 11 installed in a branch 19 and a plurality of ATMs 12 via a network 18.

  The card issuing machine 11 reads a camera 112 that takes a photograph of the user's face, a card issuing unit 113 that issues a card to the user, and a user ID containing the face photograph, such as a car license. An ID reading unit 114 and a control unit 110 that controls each unit and processes information relating to card issuance are configured. Under the control of the control unit 110, a face photograph taken by the camera 112 and a face photograph of the identification card read by the identification card reading unit 114 are stored as image data in a storage unit (not shown) such as a hard disk or a flash memory. Temporarily stored. Although not shown, the card issuing machine 11 includes an input unit that is operated by key input by a user, and an operation unit having a display unit that displays operation guidance and necessary information. This operation part is comprised by the touch panel, for example.

  When a user opens a new account at a financial institution, the card issuing machine 11 issues a new card in which predetermined management information including an account number is recorded to the user. The user can use the card at the ATM 12 to perform transactions such as deposit and withdrawal, balance inquiry, and transfer. In this example, account opening is also considered as a kind of transaction.

The ATM 12 includes a camera 122 that takes a photograph of the user's face, a card reading unit 123 that reads information on a card inserted by the user, and a transaction execution unit that executes processing related to the transaction selected by the user using the operation unit of the ATM 12. And a control unit 110 that controls each of these units and processes information related to the transaction.
The transaction execution unit 115 has various mechanisms such as a mechanism for depositing and withdrawing banknotes, a mechanism for printing and issuing information relating to transactions on a statement slip, and a mechanism for printing a bankbook. Is omitted. Similarly, although not shown, the ATM 12 has an operation unit having an input unit operated by a user for a transaction and a display unit for displaying necessary information such as operation guidance. The operation unit including these input unit and display unit is constituted by a touch panel, for example.

The host 10 includes a computer that performs information processing related to card issuance to the card issuing machine 11 and information processing associated with transactions at the ATM 12 and a database that stores related information.
The computer includes a personal verification unit 101 that calculates a verification rate of the user based on the user's face photo and a face photo of the identification card, and a card issuance for determining whether or not the card issuing machine 11 can issue a card. It has the possibility determination part 102 and the transaction possibility determination part 103 which determines the possibility of transaction execution with respect to the user of ATM12. These functions are realized by executing an application program on a computer.
The database also includes an encrypted password storage area 104 for storing each user after encrypting the user's password (password information), and a transaction history database 105 for storing a transaction history of each user. A face photograph database 106 for storing images of face photographs of users of the card issuing machine 11 or the ATM 12 is provided for each transaction.

FIG. 2 shows the configuration of the transaction history database 105.
The transaction history database 105 includes a transaction date and time 202, a transaction type 203 indicating a type such as a deposit or a transfer, a transaction amount 204 corresponding to the item number 201, and a camera for each transaction. Each information of the face photograph ID 205 for identifying the user's face photograph taken at 122, the collation rate 206 calculated this time, the number of collations 207, and the cumulative collation rate 208 is stored.

Here, the collation rate is a numerical value indicating the degree of similarity between the identification face photograph and the user face photograph actually taken by the camera. The cumulative verification rate is obtained by multiplying the verification rate data calculated for each transaction.
For example, as shown in FIG. 8, the first cumulative collation rate is set to 1.000, and thereafter, 0.950 or 0.700 is sequentially multiplied. Therefore, 0.815 for the fifth time can be calculated by the fourth power of 0.950. In fact, the matching rate is likely to vary slightly each time,
1st cumulative verification rate = 1.000
2nd cumulative verification rate = 1st cumulative verification rate (1.000) x 2nd cumulative verification rate (0.950) = 0.950
3rd cumulative verification rate = 2nd cumulative verification rate (0.950) x 3rd verification rate (0.945) = 0.988
4th cumulative verification rate = 3rd cumulative verification rate (0.898) × 4th verification rate (0.956) = 0.858
become that way.

FIG. 3 shows the configuration of the face photograph database 106.
The face photograph database 106 stores image data 301 of a user's face photograph taken by the camera 122 or 112. A face photo ID 205 is assigned to each face photo, and the ID 205 is stored in the face photo ID 205 of the transaction history database 105.

FIG. 4 shows a processing flow in the card issuing machine 11.
When the insertion of the identification card by the user is accepted (S401), the identification card reading unit 114 reads the face photograph (identification face photograph) displayed on the identification card. Further, the camera 112 takes a user's face photograph (user face photograph) (S403).
In addition, upon receiving a password input from the input unit by the user, the control unit 110 encrypts the input password (S404). This encrypted personal identification number is information used when the user makes a transaction at the ATM 12 using the card.

  Next, the control unit 110 sends (1) an encrypted personal identification number, (2) “account opening” as a transaction type, (3) an ID photo, and (4) a message containing a user photo to the host 10. Transmit (S405). The host 10 verifies the user by checking the face photo. This processing operation will be described later with reference to FIGS.

  Thereafter, the card issuing machine 11 receives a card issuance availability message transmitted from the host 10 (S406). The control unit 110 determines whether or not a card can be issued (S407). When the determination result is “OK”, the card is issued from the card issuing unit 113 (S408), the ID is returned to the user, and the series of processes is terminated (S409). On the other hand, if the card issuance is “No” in the above determination, the card is not issued and the identification is returned to the user, and the process ends (S409).

FIG. 5 shows a processing flow in the ATM 12.
When the insertion of the card by the user is accepted (S501), the control unit 120 accepts the password input and encrypts it (S502). Further, a user's face photograph (user face photograph) is taken by the camera 122 (S503), and the selection of the transaction type input by the user from the input unit is accepted (S504). Examples of transaction types include deposit transactions, withdrawal transactions, balance inquiry transactions, and transfer transactions. And the input of required information is received corresponding to the selected transaction type (S505). For example, in the case of a deposit transaction, it is the confirmation process of the result of counting the bills and coins actually inserted, and the deposit amount that is the result, in the case of a withdrawal transaction, in the case of a transfer transaction Is accompanied by information such as the transfer amount and the account number of the transfer destination.

When the information necessary for the transaction is entered, the control unit 120 sends a message including (1) an encrypted PIN, (2) transaction type, (3) transaction necessary information, and (4) a user face photo. , To the host 10 (506). The host 10 performs user authentication and transaction information update processing.
Thereafter, the ATM 11 receives a transaction propriety message transmitted from the host 10 (S507). And the control part 120 determines the propriety of the said transaction selected by the user (S508). As a result of the determination, when the transaction is “permitted”, the transaction execution unit 124 executes the transaction (S509), finally returns the card to the user and ends the series of transactions (S510). On the other hand, as a result of the determination, if the transaction is “NO”, the card is returned to the user without executing the transaction and the process is terminated.

Next, processing in the host 10 will be described with reference to FIGS.
This process is a process in the host 10 when the user uses the card issuing machine 11 or the ATM 12.
First, when a message transmitted from the card issuing machine 11 or the ATM 12 is received (S601), the transaction availability determination unit 103 determines the transaction type in the received message (S602). As a result of the determination, when the transaction type is account opening, processing by the card issuance determination unit 102 is executed. That is, using the identification face photo and the user face photo, the person verification unit 101 calculates the verification rate as in the above example (S603).

Next, it is determined whether the verification rate is equal to or higher than the limit verification rate (S604). The limit verification rate is a numerical value that represents the limit when determining whether the ID photo and the user photo are the person or another person. This limit verification rate is preset and stored in the storage unit of the database. Yes.
If the result of this determination is that the calculated verification rate is less than the limit verification rate, “No” is transmitted as the card issuance permission / inhibition message, and the process ends (S605). On the other hand, when the calculated collation rate is equal to or higher than the limit collation rate, new entries are created in the encryption code number storage area 104, the transaction history database 105, and the face photo database 106 (S606), and the encryption in the received message is encrypted. The encrypted password is stored in the encrypted password storage area 104 (S607).

That is, in the line of item number 201 = 0001 of the transaction history database 105, transaction date 202 = current date, transaction type 203 = “account opening”, transaction amount 204 = “−”, face photo ID 205 = “00000001”, this time The collation rate 206 = “calculated collation rate”, the number of collations 207 = “1”, and the cumulative collation rate 208 = “calculated collation rate” are stored.
Then, the ID face photo in the message is stored in the face photo database 106 with the face photo ID (205) = “00000001” (S609), and the user face photo in the message is stored in the face photo database 106. Is stored as face photo ID (205) = “00000001” (S610). Then, “ OK ” is transmitted as a card issuance permission / inhibition message, and the process ends (S611).

  If the transaction type is a normal transaction such as a deposit transaction, a withdrawal transaction, a balance inquiry transaction, or a transfer transaction as a result of determining the transaction type in step S602, the transaction availability determination unit 103 executes processing related to them (S602 → A (see FIG. 7)). That is, the person verification unit 101 compares the encrypted password number in the message with the encrypted password number in the encrypted password storage area 104, and determines whether the encrypted password numbers match (S613). As a result, if the encrypted passwords do not match, “No” is sent as a transaction permission / inhibition message, and the process ends (S614).

On the other hand, if the encrypted passwords match, the user face photo in the message and the face photo ID (205) = “00000000” in the face photo database 106, that is, the ID face photo are used. Then, the verification unit 101 calculates a verification rate (S615).
Then, the latest cumulative verification rate 208 in the transaction history database 105 is multiplied by the current verification rate to newly calculate the cumulative verification rate (S616). Then, it is determined whether or not the new cumulative collation rate is equal to or higher than the limit collation rate (S617). If it is less than the limit collation rate, “No” is transmitted as a transaction feasibility message, and the process ends (S614).

  On the other hand, if the new cumulative verification rate is greater than or equal to the limit verification rate, the transaction date 202 = current date, transaction type 203, transaction amount 204, face in the entry next to the latest item number 201 in the transaction history database 105. Photo ID 205 = “Upper face photo ID (205) +1”, current verification rate 206 = “verification rate calculated in step S615”, verification count 207 = “verification count of upper entry (207) +1”, cumulative The verification rate (208) = “new cumulative verification rate calculated in step S616” is stored.

  Thereafter, it is determined whether the number of verifications is equal to or greater than the specified number of verifications (S619). Here, the prescribed number of collations is the number of times that the user of the ATM is regarded as the identity person when the cumulative collation rate is equal to or higher than the limit collation rate several times in succession. If the number of verifications is less than the specified number of verifications, “OK” is transmitted as a transaction permission / inhibition message, and the process ends (S621). On the other hand, when the number of matchings is equal to or more than the specified number of matchings, the current matching number 207 is set to “1” in the transaction history database 105, and the cumulative matching rate 208 when the matching number 207 was “1” last time is (S620), “OK” is transmitted as the transaction availability message, and the process ends (S621).

FIG. 8 is a table showing the transition of the cumulative verification rate in this embodiment.
The verification rate generally changes every time the user uses a card issuing machine or ATM, but in this table, it is assumed that it is a fixed value every time for simplicity. This is the verification rate every time, and the cumulative verification rate was calculated for the cases of (1) 0.950, (2) 0.950, and (3) 0.700. The example of (2) is different from the example of (1) in that the cumulative collation rate is set to 1.000 at the sixth and eleventh use.

FIG. 9 is a graph showing the transition of the cumulative verification rate in FIG.
Here, it is compared with the limit collation rate = 0.800. 7 and 8, the following can be understood.
(1) When the verification rate is 0.950 each time, the cumulative verification rate is equal to or higher than the limit verification rate for the first to fifth usages. In this case, the user can use the card issuing machine 11 and the ATM 12, but cannot use it after the sixth time.

(2) When the collation rate is 0.950 and the cumulative collation rate is set to 1.000 at the sixth and eleventh use times, the cumulative collation rate is equal to or higher than the limit collation rate at all the use times. In this case, the user can always use the card issuing machine 11 and the ATM 12.
(3) When the collation rate = 0.700 every time, the user can use only the first use. Since this is the first time, only the card issuing machine 11 can be used. ATM12 cannot be used even once.
As described above, according to the present embodiment, by accumulating the collation rate at the time of the previous transaction instead of simply the collation rate of each time, the principal can be used, but the use of others can be made impossible. it can.

  In addition, this invention is not limited to the said Example, A various deformation | transformation can be implemented. For example, in the above embodiment, the ID face photo is stored in the face photo database 106 in the host 10, but when the cash card is an IC card, the ID face photo is stored in the IC card. May be.

  In the above embodiment, the card issuing machine 11 uses the ID card. However, the ID card is not required and the card is always issued, but the verification rate is calculated only when using the ATM 12. Also good. In this case, the user face photograph taken by the card issuing machine 11 is used as the identification face photograph in the face photograph database 106, and the cumulative verification rate 208 of the item number 201 = “0001” in the transaction history database 105 is set to 1. It can be set to .000.

  As another example, instead of configuring the card issuing machine 11 as a single device, the ATM 12 may have both functions so that the single ATM 12 has both functions. In this case, card issue may be added as one of the transaction types of ATM12. According to this structure, the camera which both had separately can be abbreviate | omitted to one.

  Note that the terms used in the above embodiments and how to call them are merely examples, and other words and names may be used without departing from the spirit of the present invention. For example, regarding the name of the function unit in the host, the personal verification unit may be simply called a verification unit, or may be called a user verification rate calculation unit or verification processing unit.

The figure which shows the whole structure of the cash transaction system in one Example, The figure which shows the structure of the transaction history database 105 The figure which shows the structure of the face photograph database 106, The figure which shows the processing flow in the card issue machine 11, The figure which shows the processing flow in ATM12, A diagram (part 1) showing a processing flow in the host 10, FIG. (2) showing a processing flow in the host 10 A chart showing the transition of the cumulative verification rate in a table, The figure which showed the transition of the accumulation collation rate on the graph.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10: Host 101: Identity verification part 102: Card issue permission determination part 103: Transaction permission determination part 104: Encryption PIN number storage area 105: Transaction history database 106: Face photograph database 18: Network 19: Branch 11: Card issue machine DESCRIPTION OF SYMBOLS 110: Control part, 112: Camera 113: Card issuing part 114: Identification reading part 12: ATM 120: Control part 122: Camera 113: Card reading part 114: Transaction execution part.

Claims (5)

  A cash transaction system in which a terminal system that performs a transaction by a user operation and a host computer that performs a process for the transaction are connected via a network,
  The terminal system is
  An imaging unit for imaging the face of the user;
  An operation unit for receiving an operation for performing the transaction from the user;
  A control unit that, when the operation unit receives the operation, transmits the user's face photograph (user face photograph) captured by the imaging unit to the host computer;
  The host computer
  The use based on the number of comparisons between a face photo (identity face photo) read in advance from the user's ID and the user face photo, and the user face photo and the ID face photo at the time of the current transaction Transaction history storage unit for storing a user's verification rate and a cumulative verification rate obtained by multiplying the verification rate by the verification rate at the time of the transaction in association with each user and each transaction When,
  When the user face photo is received from the terminal system, the identification face photo and the user face photo are collated to calculate the collation rate, and a personal collation unit that calculates the cumulative collation rate; ,
When the cumulative verification rate calculated by the personal verification unit is greater than or equal to a limit verification rate indicating a limit value for determining whether or not the user is the principal, the number of verifications is counted up, The transaction history storage unit stores the verification rate and the cumulative verification rate calculated at the time of the transaction, and the number of verifications is regarded as the person when the cumulative verification number is continuously equal to or greater than the limit verification rate. If the number of matchings is equal to or more than the specified number of matchings, the number of matchings is set to the value at the time of the first transaction, and the cumulative matching rate at the time of the current transaction is associated with the number of matchings of the same value as at the time of the first transaction. The cumulative verification rate stored in the transaction history storage unit, the permission determination unit that permits the execution of the transaction,
A cash transaction system comprising: A cash transaction system including a terminal system connected via a network and capable of performing at least a cash transaction by a user's operation, and a host computer performing a process for at least a cash transaction that is transacted in the terminal system In
The terminal system includes a camera that captures a user's face, a card issuing unit that issues a card to the user, an ID reading unit that reads an ID inserted by the user, and a transaction selected by the user. A transaction execution unit that executes a card, a card reading unit that reads a card inserted by a user, an input unit operated by the user, and an operation unit including a display unit that displays guidance for transactions, and each of these units A control unit that controls the face photographed by the camera (user face photograph) and the face photograph of the identification card (identification face) read by the identification card reading unit. Photo) is sent to the host computer, and according to the result of the determination by the host computer, the card issuance by the card issuing unit or the transaction by the transaction executing unit is validated,
The host computer collates the user face photograph acquired from the terminal system with the identification face photograph to calculate a collation rate of the user, and based on a collation result by the person collation section. A card issuance determination unit that determines whether or not the card is issued, a transaction determination unit that determines whether or not a transaction can be executed for the user, and a transaction that stores a transaction history of a user who has traded in the terminal system A history storage unit, and a face photo storage unit for storing the user face photo acquired by the camera, the face photo of the user acquired by the identity reading unit, and whether the card is issued or not The determination unit determines whether the card is issued based on the verification rate calculated by the principal verification unit, and the transaction availability determination unit determines whether the transaction can be executed based on the verification rate calculated by the personal verification unit. Is,
The transaction history storage unit, as the transaction history, a cumulative verification obtained by multiplying the verification rate calculated at the time of the current transaction, the verification rate and the verification rate calculated at the time of the previous transaction Storing the rate and the number of matches between the user face photo and the identification face photo in association with each user and each transaction,
The identity verification unit calculates the verification rate and the cumulative verification rate at the time of a transaction,
The transaction feasibility determining unit counts up the number of verifications when the cumulative verification rate calculated by the principal verification unit is equal to or higher than a limit verification rate indicating a limit value for determining whether or not the user is the principal. The transaction count storage unit stores the collation rate and the collation rate calculated at the time of the current transaction in the transaction history storage unit, and the collation count is equal to or greater than the limit collation rate. If the number of matchings is equal to or more than the specified number of matching times, the number of matching times is set to the value at the time of the first transaction, and the cumulative matching rate at the time of the current transaction is the same value as at the time of the first transaction. The cash transaction system is characterized in that the execution of the transaction is permitted with the cumulative verification rate stored in the transaction history storage unit in association with the number of verifications . The terminal system includes a card issuing machine that issues a card according to a user's operation, and an automatic cash transaction apparatus that performs a cash transaction according to the user's operation,
The card issuing machine includes the camera for taking a photograph of a user's face, the card issuing unit for issuing a card to the user, the identification reading unit for reading an identification card inserted by the user, The operation unit includes an input unit operated by a user and a display unit that displays a guide for transactions, and the control unit that controls each of these units. When selected, the control unit transmits the user face photograph taken by the camera and the identification face photograph read by the identification card reading unit to a host computer, and a card from the host computer. Issuing a card if the card issuance is OK,
The automatic teller machine includes the camera for taking a photograph of a user's face, the transaction executing unit for executing a transaction selected by the user, the card reading unit for reading a card inserted by the user, and a user. The operation unit including an input unit operated by the control unit and a display unit for displaying guidance for transactions, and the control unit for controlling each of these units, the control unit being used by the camera A person's face photo is transmitted to the host computer, and the transaction is executed when the transaction possibility message from the host computer is transactionable.
The cash transaction system according to claim 2 . In the case where an account opening transaction is selected by the user in the operation unit,
The card issuance determination unit of the host computer determines a relationship between the verification rate calculated by the personal verification unit and a limit verification rate that is a limit value for determining whether or not the user is a principal , and results of the determination When the verification rate is equal to or higher than the limit verification rate , the user face photo and the identification face photo transmitted from the terminal system are stored in the face photo storage unit with a unique identification ID. The cash transaction system according to claim 2 or 3 , wherein: It is possible to input personal information and account opening transactions unique to the user from the operation unit, and the control unit of the terminal system can input the input personal identification information and information on account opening transactions as a transaction type. , Send to the host computer,
The card issuance determination unit of the host computer determines a relationship between the verification rate calculated by the personal verification unit and a limit verification rate that is a limit value for determining whether or not the user is a principal , and results of the determination If matching ratio is above該限field collation rate, any cash transaction system according to claim 2 to 4, characterized in that stores the received dark card information in the storage unit.

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