JP5309784B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus for confirming a customer who makes a transaction based on biological information.

A conventional automatic transaction apparatus allows a customer to insert an IC card, reads biometric information registered in advance by the customer from the IC card, and then acquires biometric information from the customer's hand placed in the biometric information acquisition unit Customer authentication is performed by comparing the acquired biometric information with biometric information registered in advance (see, for example, Patent Document 1).
Japanese Patent Laying-Open No. 2006-184992 (paragraphs “0027”-“0028”, FIG. 4)

However, in the above-described conventional technology, even if the biometric information acquisition unit is mounted on the automatic transaction apparatus and the customer does not have an IC card, the biometric information acquisition unit is not used for the customer. Therefore, compared with a customer who has an IC card and performs customer authentication with the biometric information, there is a problem that fraudulent transactions by a third party pretending to be a customer cannot be suppressed.
An object of the present invention is to provide means for solving the above problems.

In order to solve the above problems, the present invention provides an automatic card reader unit that reads a customer identifier and biometric acquisition permission information from a customer transaction card, and a biometric information acquisition unit that acquires biometric information from the customer's hand. In the transaction device, when performing the transaction, when the biometric acquisition permission information is read from the transaction card by the card reader unit, the biometric information is acquired from the customer by the biometric information acquisition unit, and the acquired biometric information is authenticated by the customer In this case, the information is stored in association with the customer identifier read by the card reader unit without being used .

  Accordingly, the present invention allows the biological information acquisition unit to acquire biological information even for a customer who does not own an IC card, and after the transaction with the customer is completed, the acquired biological information is stored in the transaction history. By storing the information in association with the password, it is possible to prevent a third party who knows the customer's personal identification number from trying to conduct fraudulent transactions using the customer's magnetic card.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram illustrating an automatic transaction apparatus according to the first embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus installed in a sales office of a financial institution such as a bank or a store such as a convenience store, which automatically performs transactions such as cash deposits and withdrawals with customers.
Reference numeral 2 denotes a control unit, which has a function of performing various transactions by controlling the operation of each unit of the automatic transaction apparatus 1 based on a control program stored in the storage unit 4.

Reference numeral 4 denotes a storage unit that stores a control program, stores a processing result by the control unit 2, and stores a transaction history including transaction details (for example, type, amount, date, etc.) with a customer's financial institution code. And a function of storing in association with customer identifiers such as branch codes and account numbers.
It is assumed that the identifier stored in the storage unit 4 is associated with fingerprint information (biological information) acquired from the customer by the biometric information acquisition unit 6 in the simple biometric transaction of the present invention.

  Reference numeral 5 denotes a display operation unit, which is provided so as to be exposed on the customer service surface in front of the automatic transaction apparatus 1, a display unit such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel disposed on the display unit It is defined as an input key by displaying a screen with messages for guiding customer operations in various transactions and input keys for that, and pressing the input key with a finger from the touch panel. Information can be input, and the input information is displayed.

A biometric information acquisition unit 6 has a function of acquiring fingerprint information (biometric information) from a customer's hand placed thereon, and is provided on the customer service surface.
Reference numeral 7 denotes a cash deposit / withdrawal unit, which performs a cash deposit / withdrawal process associated with a transaction, and includes a banknote deposit / withdrawal machine that handles banknotes and a coin deposit / withdrawal machine that handles coins. The mouth is provided on the customer service surface.

Reference numeral 9 denotes a card reader / writer unit, which has a function of reading and writing card information recorded on a magnetic stripe of a customer's magnetic card (transaction card), and a function of printing a transaction result with a customer on a statement slip The card insertion return port and the statement slip printing port are provided on the customer service surface.
The card information of the magnetic card includes biometric acquisition permission information in addition to the customer name, financial institution code, branch code, and account number.

This biometric acquisition permission information is stored in the automatic transaction apparatus 1 every time the customer performs a transaction that requires customer authentication when the customer does not have an IC card in which fingerprint information that has been issued is registered. This information is allowed to be stored in the storage unit 4.
The control unit 2 of the automatic transaction apparatus 1 distributes a setting key to set biometric acquisition permission information on a transaction selection screen in which transaction selection buttons such as withdrawal transaction, deposit transaction, and transfer transaction are arranged on the display operation unit 5. When the setting key for the biometric acquisition permission information is pressed and the customer's magnetic card is inserted, the card reader / writer unit 9 writes the biometric acquisition permission information on the magnetic card.

The operation of the above configuration will be described.
In this embodiment, a case where customer authentication is performed in a withdrawal transaction will be described.
Here, FIG. 2 is a flowchart showing the operation of the automatic transaction apparatus according to the first embodiment.
S1, the control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen in which transaction selection buttons such as a withdrawal transaction, a deposit transaction, and a transfer transaction are arranged on the display operation unit 5 and stands by.

The customer presses the transaction selection button for the withdrawal transaction on the transaction selection screen.
S2, the control unit 2 recognizes the pressing, and displays a card insertion guidance screen on which words, illustrations, etc. for prompting the insertion of the magnetic card are arranged on the display operation unit 5.
In accordance with this, the customer inserts the magnetic card into the card insertion / return port of the card reader / writer 9.

S3, the control unit 2 reads the card information from the magnetic card by the card reader / writer unit 9, and confirms that the biometric acquisition permission information is included in the card information.
If the biometric acquisition permission information is not included in the card information, the control unit 2 uses the customer's personal identification number with the host computer (not shown) installed in the center of the financial institution that manages the customer's account balance and the like. Perform authentication and withdrawal transactions as usual.

S4, the control unit 2 cancels the withdrawal transaction, such as a statement or an illustration that prompts the customer to place the hand on the biometric information obtaining unit 6 that fingerprint information is necessary to continue the withdrawal transaction A biometric acquisition guidance screen with a stop key to be displayed is displayed.
S5, when the customer places his / her hand on the biometric information acquisition unit 6 according to the biometric acquisition guide screen, the control unit 2 acquires fingerprint information from the customer's hand by the biometric information acquisition unit 6 and temporarily stores the fingerprint information in the storage unit 4 To remember.

S6, the control unit 2 transmits the card information read above to a host computer (not shown), thereby receiving the registered personal identification number and the account balance registered by the customer, and prompting the display operation unit 5 to input the personal identification number. Display the password input screen.
The customer inputs the password according to the password input screen.
S7, the control unit 2 compares the password entered on the password input screen with the registered password, and confirms that both passwords match.

S8, the control unit 2 displays a screen for prompting input of the withdrawal amount on the display operation unit 5 and a withdrawal amount input screen in which a numeric keypad for input is arranged, and the input withdrawal amount and the received account balance , And confirms that a withdrawal transaction corresponding to the withdrawal amount is possible from the account balance, executes a process relating to the withdrawal transaction as usual with the host computer, and withdraws cash to the customer.
S9, the control unit 2 stores the fingerprint information temporarily stored in the storage unit 4 as the acquired fingerprint information together with the transaction history including the withdrawal amount input by the customer in association with the customer identifier including the customer card information. Store in part 4 and end the withdrawal transaction.

  As described above, in this embodiment, even when the customer does not have an IC card and cannot perform customer authentication using fingerprint information, the fingerprint information is acquired from the customer and stored. Therefore, if the transaction is a fraudulent transaction conducted by a third party at a later date, the stored fingerprint information is evidence of the crime by the third party. A deterrent effect can be expected.

  Also, since the biometric acquisition permission information is written on the magnetic card already owned by the customer, there is no need to issue an expensive IC card to the customer again, and the customer is required to take time for the IC card issuing procedure. Can be eliminated.

  The configuration of the automatic transaction apparatus 1 of this embodiment is the same as that of the first embodiment, but in the first embodiment, when a transaction requiring customer authentication is performed, customer fingerprint information is stored in association with the customer identifier. On the other hand, in this embodiment, when the automatic transaction apparatus that has stored the fingerprint information of the customer in the previous transaction performs a transaction with the customer again, the fingerprint information is newly acquired and the fingerprint information is already stored. It is assumed that customer authentication is performed by checking the fingerprint information.

In this embodiment, fingerprint information stored in association with a customer identifier is described as acquired fingerprint information.
The storage unit 4 of this embodiment stores a verification rate threshold value for determining whether or not there is a match when fingerprint information is verified.
The operation of the automatic transaction apparatus according to the present embodiment will be described according to the steps indicated by SA using the flowchart showing the operation of the automatic transaction apparatus according to the second embodiment shown in FIG.

It is assumed that the storage unit 4 of the automatic transaction apparatus 1 stores acquired fingerprint information associated with a transaction history such as a withdrawal transaction executed so far.
SA1, the control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen on which transaction selection buttons such as a withdrawal transaction, a deposit transaction, and a transfer transaction are arranged on the display operation unit 5 and stands by.
The customer presses the transaction selection button for the withdrawal transaction on the transaction selection screen.

In step SA2, the control unit 2 recognizes the press and displays a card insertion guidance screen on the display / operation unit 5 with words, illustrations, and the like for prompting insertion of the magnetic card.
In accordance with this, the customer inserts the magnetic card into the card insertion / return port of the card reader / writer 9.
SA3, the control unit 2 reads the card information from the magnetic card by the card reader / writer unit 9, and confirms that the biometric acquisition permission information is included in the card information.

SA4, the control unit 2 cancels the withdrawal transaction such as the fact that fingerprint information is necessary to continue the withdrawal transaction and the words and illustrations that urge the customer to place the hand on the biometric information acquisition unit 6 A biometric acquisition guidance screen with a stop key to be displayed is displayed.
When the customer places his / her hand on the biometric information acquisition unit 6 according to SA5, biometric acquisition guidance screen, the control unit 2 temporarily stores the fingerprint information in the storage unit 4 by the biometric information acquisition unit 6.

SA6, the control unit 2 searches the identifier of the customer stored in the storage unit 4 based on the read card information, determines the presence or absence of acquired fingerprint information associated with the corresponding customer identifier, Here, it is assumed that there is the acquired fingerprint information of the customer associated with the transaction history, and the acquired fingerprint information is read out.
If there is no acquired fingerprint information of the customer associated with the customer's identifier, the customer authentication by the password is performed and the cash is issued to the customer in the same manner as the processing from step S6 to S9 in the first embodiment. The customer's fingerprint information is stored in association with the transaction history.

SA7, the control unit 2 reads out the collation rate threshold value stored in the storage unit 4, reads out the fingerprint information stored in step SA5, collates the fingerprint information with the acquired acquired fingerprint information, and reads out the collation rate. If it is less than the collation rate threshold value, the process proceeds to the next step SA8, and if it is greater than the collation rate threshold value, the process proceeds to step SA9.
SA8, when the control unit 2 confirms that the collation rate between the fingerprint information and the acquired fingerprint information is less than the collation rate threshold, the display operation unit 5 acquires the acquired fingerprint information acquired in the previous transaction and the current transaction. A screen indicating that the fingerprint information does not match is displayed, and the inserted magnetic card is returned to the customer to stop the withdrawal transaction.

SA9, when the control unit 2 confirms that the collation rate between the fingerprint information and the acquired fingerprint information is equal to or greater than the collation rate threshold, the card information read in step SA6 is transmitted to a host computer (not shown) so that the customer can The registered password and the account balance registered are received, and a password input screen for prompting the input of the password is displayed on the display operation unit 5.
The customer inputs the password according to the password input screen.

SA10, the control unit 2 compares the password entered on the password input screen with the registered password, and confirms that the two passwords match.
SA11, the control unit 2 displays a screen for prompting the display operation unit 5 to input a withdrawal amount and a withdrawal amount input screen in which a numeric keypad for input is arranged. The entered withdrawal amount and the received account balance To confirm that it is possible to make a withdrawal transaction for the withdrawal amount from the account balance, execute the transaction related to the withdrawal transaction as usual with the host computer, and withdraw cash to the customer. End the withdrawal transaction.

Note that since the acquired fingerprint information is stored in association with the customer identifier, it is not necessary to store the fingerprint information newly acquired from the customer, but the fingerprint information is newly associated with the customer identifier. In the case of storing, the acquired fingerprint information may be deleted in consideration of the storage capacity of the storage unit 4.
As described above, in addition to the effects of the first embodiment, the present embodiment provides the acquired fingerprint information acquired by the past transaction when the automatic transaction apparatus makes a transaction again with the customer who has made a transaction in the past. Compared with newly acquired customer fingerprint information, it is possible to perform customer authentication using biometric information even for customers who do not have an ID card storing biometric information. can get.

In each of the above embodiments, the case where fingerprint information is used as biometric information has been described as an example. However, finger vein information or palm vein information as biometric information may be used.
Furthermore, an iris as biometric information acquired from the customer's eyes may be used, and the biometric information acquisition unit in that case has a function of acquiring the iris from the customer's eyes.
In each of the above embodiments, the acquired biometric information is stored in the storage unit 4 in association with the customer identifier. However, these may be stored in a host device such as a host computer. And in the case of biometric information collation, the acquired biometric information is transmitted to the host device and collated on the host device side, and the automatic transaction apparatus may receive only the collation result, or may be stored in the host device. It is also possible for the automatic transaction apparatus side to receive the stored biometric information and to collate with the automatic transaction apparatus side.

The block diagram which shows the automatic transaction apparatus of Example 1 The flowchart which shows operation | movement of the automatic transaction apparatus of Example 1. The flowchart which shows operation | movement of the automatic transaction apparatus of Example 2.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Control part 4 Memory | storage part 5 Display operation part 6 Biometric information acquisition part 7 Cash deposit / withdrawal part 9 Card reader / writer part

Claims (1)

An automatic transaction apparatus having a card reader unit that reads a customer identifier and biometric acquisition permission information from a customer transaction card, and a biometric information acquisition unit that acquires biometric information from the customer's hand,
When performing the transaction, when the biometric acquisition permission information is read from the transaction card by the card reader unit, the biometric information acquisition unit acquires the biometric information from the customer, and the acquired biometric information is not used for customer authentication. An automatic transaction apparatus characterized by storing in association with a customer identifier read by a card reader unit .

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