JP5338283B2 - Automatic transaction device using biometric authentication - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that performs identity verification by performing biometric authentication and performs a desired transaction.

  In recent years, in an automatic transaction apparatus that handles cash and the like, an automatic transaction apparatus that performs transactions such as payment of cash after performing identity verification by biometric authentication such as fingerprint verification in addition to authentication by a password (for example, see Patent Document 1) In addition, an automatic transaction apparatus for verifying the identity of a person using a personal identification number and biometric authentication has been proposed.

  FIG. 6 is an operation flowchart of a conventional automatic transaction apparatus that performs identity verification using biometric authentication and a personal identification number and pays cash. As shown in the figure, in the conventional automatic transaction apparatus, first, when a customer approaches the automatic transaction apparatus, this is detected and a transaction selection screen is displayed on the front operation panel.

  When the customer selects “payment” (step S21), a guide for inserting a biometric IC card is displayed on the front operation panel. The customer who sees this display inserts a biometric IC card (step S22).

  The automatic transaction apparatus determines whether or not the inserted card is a biometric authentication card (step S23). If the card is not a biometric authentication card, the process proceeds to step S26, and if it is a biometric authentication card, biometric authentication is performed (step S23). S24). And when it does not correspond with the principal in biometric authentication, the card is returned (step S31), and the transaction is terminated.

  On the other hand, if it matches with the person in the biometric authentication, the user is prompted to enter a personal identification number (step S26), and confirms whether the personal identification number entered through communication with the host is the correct personal identification number (step S27). If they also match, a screen for inputting the amount to be withdrawn is displayed on the front operation panel, and the customer inputs the desired amount (step S28).

  Then, the automatic transaction apparatus counts the banknotes (step S29), releases the banknotes to the banknote deposit / withdrawal port, opens the withdrawal port (step S30), and handles the card inserted at step S22 to the customer as a card. The product is discharged from the mouth (step S31), and the transaction is terminated.

By performing biometric authentication as described above, identity verification can be performed reliably, and safe and reliable automatic transactions can be performed.
JP 2001-67523 A

  However, since biometric authentication needs to be performed with high accuracy, it generally requires a relatively long processing time. And since biometric authentication is implemented before performing transaction processing, there existed a problem that time required for transaction became long by the part of biometric authentication processing. That is, in the case of the payment transaction, after biometric authentication is started in step S24, processing for biometric authentication is performed up to step S26 for inputting a personal identification number, and the customer waits until the biometric authentication processing is completed. Therefore, this waiting time has been a big problem in automatic transaction apparatuses that many customers use.

The present invention employs the following means in order to solve the aforementioned problems. That is, the present invention includes banknote counting processing in the case of an automatic transaction apparatus using biometric authentication that performs identity verification by biometric authentication and performs a desired transaction when the customer's PIN entered in the automatic transaction apparatus is correct. A withdrawal process is started, and authentication by the biometric authentication is started in parallel with the banknote counting process, and the banknote counted by the banknote counting process is withdrawn when it is determined by the biometric authentication. I tried to do it.

According to the automatic transaction apparatus using biometric authentication of the present invention, since it is configured as described above, it is possible to shorten the time for the customer to look at the screen without doing anything, and to shorten the entire transaction time. be able to.

  Embodiments of the present invention will be described below with reference to the drawings. In addition, the same code | symbol is attached | subjected to the element common to drawing.

(Constitution)
FIG. 1 is an external view of an automatic transaction apparatus according to an embodiment. As shown in the figure, on the front side of the automatic transaction apparatus 1, there are a passbook handling port 2 for inserting and ejecting a passbook, a card handling port 3 for inserting and ejecting cash cards and the like, A coin deposit / withdrawal port 4 for performing withdrawal, a banknote deposit / withdrawal port 5 for depositing / withdrawing banknotes, and a front operation panel 6 on which customers and the like mainly perform various operations according to transaction types are provided.

  FIG. 2 is a control system block diagram showing a functional configuration of the automatic transaction apparatus. As shown in the figure, the automatic transaction apparatus 1 prints transaction details on a transaction passbook, a card reader unit 11 that performs MS read of a transaction card, IC card access, etc., a voice guidance unit 12 that outputs a guidance voice. A bankbook entry / exit section 13, a banknote deposit / withdrawal section 14 that performs identification and counting of deposited banknotes and withdrawal of banknotes, and a coin deposit / withdrawal section 15 that identifies, counts and dispenses coins The main control unit 16 that controls the operation of each unit, the front operation panel 6 that includes an LCD and a touch panel, and biometric authentication means 19 that performs identity verification by biometric authentication, can communicate with a host computer (not shown) through the interface unit 18. It has a configuration.

(Operation)
With the above configuration, the automatic transaction apparatus 1 according to the embodiment operates as follows. This operation will be described in detail with reference to the operation flowchart of FIG.

  First, when the customer approaches the automatic transaction apparatus, this is detected, and a transaction selection screen is displayed on the front operation panel 6. For example, when the customer selects “payment” (step S01), a guide for inserting a biometric IC card is displayed on the front operation panel 6 in order to confirm the identity. The customer who sees this display inserts a biometric IC card (step S02).

  The automatic transaction apparatus prompts the input of a personal identification number (step S03), confirms whether the personal identification number entered through communication with the host is correct (step S04), and if the personal identification number matches, the card handling It is determined whether or not the card inserted from the mouth 3 is a biometric card (step S05).

  If the inserted card is not a biometric authentication card, the process proceeds to step S13, a screen for inputting the amount to be withdrawn is displayed, and when the customer inputs a desired amount, the bill deposit / withdrawal unit 14 starts counting the bills. (Step S14), the banknote is discharged to the banknote deposit / withdrawal port 5 and opened (Step S10), the card is returned to the card handling port 3 (Step S12), and the transaction is terminated.

  On the other hand, if the card inserted in step S05 is a biometric IC card, a screen for inputting the amount to be withdrawn is displayed on the front operation panel 6, and the customer inputs a desired amount (step S06). While counting bills is started (step S07), a guidance screen for starting biometric authentication is displayed on the front operation panel 6, and the customer starts biometric authentication according to the guidance (step S08).

  Then, it is determined whether or not it matches the person by biometric authentication (step S09). When the person matches, the banknote is discharged from the banknote deposit / withdrawal port 5, and then the withdrawal port is opened (step S10), and the card is inserted. It returns from the card handling port 3 (step S12), and ends the transaction.

  On the other hand, when it does not coincide with the principal by biometric authentication in step S09, a transaction performed in advance, that is, transaction cancellation processing for canceling the bill counting process for payment in this example is performed (step S11). The fact that it has not been done is displayed on the front operation panel 6, the card is returned from the card handling slot 3 (step S12), and the transaction is terminated.

  In order to further clarify the operation of the automatic transaction apparatus of the embodiment, a more detailed operation will be described using the time chart of the conventional automatic transaction apparatus of FIG. 4 and the time chart of the automatic transaction apparatus of the embodiment of FIG. To do. The elapsed time values in FIGS. 4 and 5 indicate the elapsed time in seconds. The content displayed on the operation screen of the front operation panel 6, the transition of the customer operation, the card reader unit 11 It is the time chart which displayed the process of this, the process of the banknote depositing / withdrawing part 14, and the process of the biometrics authentication means 19 with elapsed time.

  First, as shown in FIG. 4, in a transaction by a conventional automatic transaction apparatus, a transaction selection screen (G01) is displayed on the front operation panel 6, and then a card insertion guide (G02), an IC in the case of a biometric card Screen during card authentication (G03), screen for guiding biometric authentication (G04), screen during biometric authentication indicating that biometric authentication has been started and authentication processing is in progress (G05), and password input screen for prompting input of a password (G06) ) In the case of a payment transaction, a screen (G07) for prompting input of the amount to be withdrawn, a bill counting screen (G08) indicating that bills are being counted, and the bills are withdrawn to the bill acquisition slot 5 A bill receiving screen (G09) that prompts the user to receive a bill and a transaction end screen (G10) that indicates the end of the transaction by returning the inserted card after receiving the bill are displayed in order.

  On the other hand, as a customer operation, according to the display contents on the front operation panel 6, when a payment transaction is selected, the payment is pressed (step S21), the card is inserted (step S22), the biometric authentication (step S24), and the PIN number input ( Step S26), amount input (step S28), bill reception (step S30), card reception (step S31) are performed in this order. The above step numbers correspond to the step numbers in the operation flowchart of the conventional automatic transaction apparatus in FIG.

  When the card is inserted, the card reader unit 11 performs an MS read process (step S51) for reading the magnetic stripe of the card, reads a registered pattern from the inserted card, and performs a process for transferring it to the memory of the biometric authentication means 19 (step S51). S52). Then, when the transaction ends, a return process (step S53) for returning the card is performed.

  When the amount input screen is displayed and the customer inputs a desired amount, the bill deposit / withdrawal unit 14 performs bill counting of the bills to be paid (step S61) and discharges the bills to the bill deposit / withdrawal port 5 (step S61). S62) is performed.

  The biometric authentication means 19 stores the registration data read out by the process (S52) of reading the registration pattern from the inserted card in the predetermined memory (step S71). When biometric authentication is started, feature extraction is performed. Then, the extracted feature data is matched with the registered data to authenticate whether or not the person is the person (step S72).

  On the other hand, in the automatic transaction apparatus according to the embodiment of the present invention, as shown in FIG. 5, first, the transaction selection screen (G01) is displayed on the front operation panel 6, and then the card insertion guide (G02) and the input of the password are entered. PIN number input screen (G06) prompting the user to input the amount to be withdrawn in the case of payment transaction (G07), screen for inducing biometric authentication (G04), indicating that biometric authentication has started and authentication processing is in progress Screen during biometric authentication (G05), screen during bill counting (G08) indicating that bills are being counted, bill receiving screen (G09) prompting withdrawal of the bills into the bill acquisition slot 5 and receipt of the bills After the banknote is received, the inserted card is returned and a transaction end screen (G10) indicating the end of the transaction is displayed in order.

  As customer operations, in accordance with the contents displayed on the operation screen, when a payment transaction is selected, payment is pressed (step S01), card insertion (step S02), password input (step S03), amount input (step S06), biometrics. Authentication (step S08), bill reception (step S10), and card reception (step S12) are performed in this order. In addition, the said step number respond | corresponds to the step number of the operation | movement flowchart of the automatic transaction apparatus of the Example of FIG.

  The card reader unit 11 performs an MS read process for reading the magnetic stripe of the card (step S51), reads the registered pattern from the inserted card, and performs a process of transferring it to the memory of the biometric authentication means 19 (step S52). Then, when the transaction ends, a return process (step S53) for returning the card is performed.

  The banknote deposit / withdrawal unit 14 performs banknote counting (step S61) for counting banknotes to be paid when the biometric authentication guidance screen (G04) and the biometric authentication in-progress screen (G05) are displayed and biometric authentication is performed. And the banknote discharge | release which pays out a banknote to the banknote depositing / withdrawing port 5 is performed (step S62).

  As described above, in the automatic transaction apparatus according to the embodiment of the present invention, prior to the personal identification number, the user confirms the identity, inputs the amount to be paid, starts the bill counting process, and performs biometric authentication along with this. Therefore, the IC card authenticating screen (G03) in the conventional automatic transaction apparatus is not displayed. Further, the display time of the bill counting screen is conventionally displayed for about 4 seconds, but is displayed for about 1 second by the parallel processing.

  In the above description of the embodiment, the payment operation has been described as an example. However, in the case of a transaction for performing identity verification using biometric authentication, the transaction time can be shortened in the same manner for a deposit transaction, a balance inquiry, and a transfer transaction. It is.

  For example, biometric authentication is performed while the received cash is counted for “deposit” transactions, biometric authentication is performed during communication with the host for “balance inquiry” transactions, and passbook printing is being performed for “bookkeeping” transactions. Alternatively, biometric authentication may be performed.

(Effect of Example)
As described above, according to the automatic transaction apparatus of the embodiment, the personal identification is performed by the personal identification number prior to the personal identification by the biometric authentication, and the biometric authentication is performed in parallel while performing the transaction operation in advance. When authentication does not match the principal, the preceding transaction is canceled, so that the time for the customer to look at the screen without doing anything can be shortened, and the overall transaction time can be shortened.

  INDUSTRIAL APPLICABILITY The present invention can be widely used in an automatic transaction apparatus such as an automatic cash transaction apparatus that performs identity verification by performing biometric authentication and performs a desired transaction.

It is a general-view figure of the automatic transaction apparatus of an Example. It is a control system block diagram of the automatic transaction apparatus of an Example. It is an operation | movement flowchart of the automatic transaction apparatus of an Example. It is a time chart of the conventional automatic transaction apparatus. It is a time chart of the automatic transaction apparatus of an Example. It is an operation | movement flowchart of the conventional automatic transaction apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 6 Front operation panel 11 Card reader part 14 Banknote depositing / withdrawing part 16 Main control part 19 Biometric authentication means S03, S26 Security code input S07, S29 Bill counting process S08, S24 Biometric authentication process S11 Transaction cancellation process

Claims (3)

In an automatic transaction apparatus using biometric authentication that performs identity verification by biometric authentication and performs desired transactions,
If the customer's PIN entered in the automatic transaction apparatus is correct, start a withdrawal process including a bill counting process,
Simultaneously with the bill counting process, authentication by the biometric authentication is started, and when it is determined by the biometric authentication that the person is the person, the bill counted by the bill counting process is withdrawn. Automatic transaction device using authentication. 2. The biometric authentication according to claim 1, wherein identity verification by a personal identification number is executed prior to the biometric authentication, and the withdrawal process is canceled when the identity verification cannot be performed by the biometric authentication. Automatic transaction device. The biometric authentication is performed using a card storing a biometric authentication registration pattern,
2. The automatic transaction apparatus using biometric authentication according to claim 1, wherein a password number and an amount of money are inputted in parallel with a process of reading a biometric authentication registration pattern from the card and transferring it to a memory.

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