JP6036184B2 - Transaction apparatus, transaction method, and transaction system - Google Patents

Description

  The present invention relates to a transaction apparatus, a transaction method, and a transaction system. For example, the present invention can be applied to a transaction apparatus, a transaction method, and a transaction system that authenticate a customer by collating biometric information.

  For example, in order to increase security, there is a transaction apparatus that performs personal authentication of a customer by collating biometric information (see Non-Patent Document 1).

  Conventionally, when a card is issued, the customer's biometric information is registered in the IC card, and the transaction apparatus determines whether the biometric information read from the IC card matches the biometric information read from the customer during the transaction. The transaction is permitted when the biometric information matches.

  For example, an IC card with a credit function has a credit expiration date, and when the expiration date expires, the credit cannot be used. Therefore, before the expiration date expires (for example, one month before the expiration date), the financial institution issues a new IC card and gives it to the customer.

  However, biometric information is not registered in the new IC card. Conventionally, when biometric information is registered in a new IC card, in order to be able to cope with changes in biometric information due to secular changes (for example, to maintain authentication accuracy based on biometric information), biometric information is acquired from a customer again, It is necessary to register the acquired biometric information in a new card. In addition, registration of the biometric information to the new IC card is performed, for example, at a financial institution or the like.

  In addition, the biological information of a plurality of biological parts is registered in the IC card. In order to register biometric information of all biological parts in a new IC card, the customer needs to reacquire biometric information of all biological parts registered in the existing IC card.

  In transactions in which biometric information is re-registered in a new IC card of a conventional transaction apparatus, the customer may forget which biometric part has been registered, so the customer can display it on the screen of all registered biometric parts. Can confirm the body part to be registered.

JP 2006-338444 A (Patent No. 4755448)

  However, in the method of displaying all biological parts to be registered on the screen, the biological parts for which authentication has been completed are also displayed as they are. For this reason, the customer may acquire again the bio-site part for which re-registration is completed, authentication may fail, and the transaction may be interrupted. If the transaction is interrupted, the operation time of the customer's transaction apparatus is further prolonged.

  In some cases, biological information is read a plurality of times for the same biological part. In that case, in the method of displaying all the biological parts, the customer may use different parts for the first reading and the second reading, authentication may fail, and the transaction may be interrupted. .

  Therefore, when registering biometric information in a new IC card (medium), there is a need for a transaction apparatus, transaction method, and transaction system that can easily display a biometric part necessary for registration to a customer.

In order to solve such a problem, the first aspect of the present invention makes a transaction according to a collation result between one or a plurality of registered biometric information registered in the medium and the biometric information of the customer read by the biometric information reading means. In the transaction apparatus to be performed, (1) one or more biometric parts of registered biometric information are acquired from the inserted medium, and among the acquired biometric parts, a read biometric part and an unread biological part are recognized. A biometric information reading guidance support processing means for displaying a biometric information reading guidance screen including a guidance display section to be displayed on the display means; and (2) the one or more registered biometric information of the medium and the biometric information reading means. Authentication processing means for performing authentication processing based on each biometric information of the customer, and (3) authentication succeeded when authentication using one or more registered biometric information by the authentication processing means was successful Or a plurality of biological information, and a biometric information registration means for registering a separate medium new, authentication processing means, when performing a plurality of times of authentication processing for one registered biometric information, the biometric information reading guide support processing means However, the transaction apparatus is characterized in that a biometric information reading guide screen including a display unit for specifying a biological part read at the first time is displayed on the display means until the number of authentications is reached .

According to a second aspect of the present invention, there is provided a transaction apparatus for performing a transaction in accordance with a result of collation between one or a plurality of registered biometric information registered in a medium and the biometric information of a customer read by the biometric information reading means. Includes biometric information reading guidance support processing means, authentication processing means, and biometric information registration means. (1) The biometric information reading guidance support processing means acquires and acquires a biological part of one or more registered biometric information from the medium. A biometric information reading guidance support processing step for displaying on the display means a biometric information reading guidance screen including a guidance display unit for recognizing and displaying a read biological site and an unread biological site among all the biological sites (2) An authentication processing step in which the authentication processing means performs an authentication process based on one or more registered biometric information of the medium and each biometric information of the customer acquired from the biometric information reading means; 3) Biometric information registration in which biometric information registration means registers one or more biometric information that has been successfully authenticated in a new separate medium when authentication using one or more registered biometric information by the authentication processing means has succeeded. possess a step, the authentication processing unit, when performing multiple authentication processes for one registered biometric information, the biometric information reading guide support processing means comprises a display unit for specifying a body part scanned by the first The transaction method is characterized in that the biometric information reading guidance screen is displayed on the display means until the number of times of authentication is reached .

According to a third aspect of the present invention, there is provided a transaction system for performing a transaction in accordance with a matching result between one or a plurality of registered biometric information registered in a medium and customer biometric information read by the biometric information reading means. ) A living body including a guidance display unit that acquires one or a plurality of registered biological parts from a medium and displays a read biological part and an unread biological part among all the obtained biological parts in a recognizable manner. Based on biological information reading guidance support processing means for displaying an information reading guidance screen on the display means, (2) one or more registered biological information of the medium, and each biological information of the customer acquired from the biological information reading means An authentication processing means for performing authentication processing; and (3) if one or a plurality of registered biometric information is successfully authenticated by the authentication processing means, the one or more biometric information that has been successfully authenticated is transferred to a new medium. And a biometric information registration means for registering the authentication processing means, when performing a plurality of times of authentication processing for one registration biometric information, the biometric information reading guide support processing means for identifying a body part scanned by the first A transaction system characterized in that a biometric information reading guidance screen including a display unit is displayed on a display means until the number of times of authentication is reached .

  According to the present invention, when biometric information is registered in a new IC card (medium), it is possible to easily display a biometric part necessary for registration to the customer.

It is an internal block diagram which shows the internal structure of the transaction apparatus which concerns on embodiment. It is an external appearance block diagram which shows the external appearance structure of the transaction apparatus which concerns on embodiment. It is a block diagram which shows the function of the biometric information registration assistance process part which concerns on embodiment. It is a flowchart which shows the registration process to the new IC card of the biometric information in the transaction apparatus which concerns on embodiment (the 1). It is a flowchart which shows the registration process to the new IC card of the biometric information in the transaction apparatus which concerns on embodiment (the 2). It is a screen figure which shows an example of the transaction selection screen which concerns on embodiment. It is a screen figure which shows an example of the transaction content confirmation screen which concerns on embodiment. It is a screen figure which shows an example of the insertion guidance screen of the existing IC card which concerns on embodiment. It is a screen figure which shows an example of the biometric information reading induction | guidance | derivation guidance screen which concerns on embodiment. It is an example of the screen of the authentication success which concerns on embodiment. It is a screen figure which shows an example of the biometric information reading induction | guidance | derivation guidance screen after the 2nd time of the same kind which concerns on embodiment. It is a screen figure which shows an example of the 2nd type biometric information reading induction | guidance | derivation guidance screen which concerns on embodiment. It is a screen figure which shows an example of the insertion guidance screen of the new card | curd which concerns on embodiment. It is a screen figure which shows an example of the biometric information reading induction | guidance | derivation guidance screen for confirming the biometric information of the new IC card which concerns on embodiment. It is a screen figure showing an example of a living body information reading guidance guidance screen of other living body parts in order to check living body information of a new IC card concerning an embodiment. It is a screen figure which shows an example of the biometric information reading induction | guidance | derivation guidance screen which concerns on deformation | transformation embodiment. It is a screen figure which shows an example of the 2nd type biometric information reading induction | guidance | derivation guidance screen which concerns on deformation | transformation embodiment. It is a screen figure which shows an example of the biometric information reading induction | guidance | derivation guidance screen which concerns on deformation | transformation embodiment. It is a screen figure which shows an example of the 2nd type biometric information reading induction | guidance | derivation guidance screen which concerns on deformation | transformation embodiment.

(A) Main Embodiments Hereinafter, embodiments of a transaction apparatus, a transaction method, and a transaction system of the present invention will be described in detail with reference to the drawings.

(A-1) Configuration of Embodiment FIG. 2 is an external configuration diagram showing an external configuration of a transaction apparatus according to the embodiment. In FIG. 2, the transaction apparatus 1 according to the embodiment includes a biological information reading device 11, an operation display unit 12, a card entry / exit 13, a passbook entry / exit 14, a bill entry / exit 15, and a coin entry / exit 16.

  The transaction apparatus 1 collates biometric information based on biometric information registered in an IC card (hereinafter also referred to as registered biometric information) and biometric information read from a customer, and when the biometric information matches, The transaction specified by the customer is performed. For example, the transaction apparatus 1 corresponds to an automatic transaction apparatus such as an ATM (Auto Teller Machine) installed in a financial institution, a station, a store such as a convenience store, a hotel, or the like.

  The biometric information reader 11 reads a customer's biometric information. The biological information reader 11 can be widely applied as long as it reads biological information. For example, as the biometric information reader 11, a vein pattern reader that reads palm or finger vein patterns, a face feature pattern reader that reads facial feature patterns, a fingerprint reader that reads customer fingerprints, or a vocal cord reader that reads voice Apparatus, an iris reading device for reading the iris, and the like.

  In this embodiment, the case where the biological information reader 11 is a vein pattern reader will be described. Various vein pattern reading methods can be widely applied to the vein pattern reading device as the biological information reading device 11. For example, as a vein pattern reading method, a method of irradiating near infrared light toward an object such as a palm or a finger and acquiring a reflected vein pattern can be applied.

  The operation display unit 12 includes, for example, a transaction selection screen for selecting a transaction type, a transaction content confirmation screen indicating that biometric information needs to be collated in order to perform a transaction, and registering biometric information in a new IC card. The guidance guidance screen showing how to insert an existing IC card or a new IC card or reading the biometric information of the customer, the confirmation screen of the transaction content, etc. are displayed, or the information entered by the customer is taken in. For example, a touch panel type operation display unit can be applied to the operation display unit 12. In this embodiment, the operation display unit 12 is exemplified by a touch panel type in which the operation unit and the display unit are integrated. However, the operation display unit 12 is not limited to this, and the operation unit (for example, a numeric keypad or a button) and the display unit (display or the like) may be physically different from each other.

  The card entrance / exit 13 is for taking in an IC card inserted by a customer or discharging the IC card.

  The bankbook entry / exit port 14 is for taking in a bankbook inserted by a customer or discharging the bankbook.

  The banknote inlet / outlet 15 is for taking in banknotes inserted by customers or discharging banknotes.

  The coin inlet / outlet 16 is for taking in coins inserted by customers or discharging coins.

  FIG. 1 is an internal configuration diagram illustrating an internal configuration of a transaction apparatus according to an embodiment. The transaction apparatus 1 is configured to include, for example, a circuit device or a mechanism unit, and FIG. 1 functionally illustrates the internal configuration of the transaction apparatus 1.

  In FIG. 1, the transaction apparatus 1 includes a control unit 21, a storage unit 22, a communication unit 23, an operation display screen control unit 24, a card mechanism unit 25, a passbook mechanism unit 26, and a cash mechanism unit 27.

  The control unit 21 is a processing unit or device that controls the overall function of the transaction apparatus 1. The control unit 21 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the like, and various functions of the transaction apparatus 1 are executed when the CPU executes a processing program stored in the ROM. Is realized. FIG. 1 shows functional processing performed by the control unit 21.

  As shown in FIG. 1, the main function of the control unit 21 includes an insertion card confirmation unit 211, a biometric information registration support processing unit 212, and a transaction processing unit 213.

  The inserted card confirmation unit 211 confirms the validity of the inserted IC card. That is, the inserted card confirmation unit 211 is a card of a financial institution that can be handled based on financial institution identification information (for example, a financial institution code number) stored in the IC card, or biometric information is stored in the IC card. Check if it is registered.

  The biometric information registration support processing unit 212, when registering biometric information in a new IC card, guides the customer to insert the existing IC card or the new IC card and read the biometric information, and stores the biometric information in the new IC card. Information registration processing is performed.

  FIG. 3 is a block diagram illustrating functions of the biometric information registration support processing unit 212. As shown in FIG. 3, the biometric information registration support processing unit 212 includes a biometric information reading guidance support processing unit 31, an authentication processing unit 32, a new card insertion guidance support processing unit 33, a new card confirmation unit 34, and a new card biometric information reading. A guidance support processing unit 35 and a new card authentication processing unit 36 are provided.

  The biological information reading guidance support processing unit 31 supports reading of biological information of one or more biological parts registered in the inserted existing IC card. Here, one or more pieces of biological information are registered in the IC card, and biological part information indicating which biological part each registered biological information is is also registered.

That is, the biological information reading guidance support processing unit 31 displays a guidance guidance screen including each biological part based on the biological part information registered in the inserted IC card (existing IC card), and each biological part. Get biometric information.

  The authentication processing unit 32 compares one or more pieces of biological information registered in the existing IC card with one or more pieces of biological information of the customer read by the processing of the biological information reading guidance support processing unit 31, It is determined whether or not the biometric information matches. The authentication processing unit 32 determines that authentication is successful when all pieces of biometric information match, and determines that authentication fails when they do not match.

  Here, various methods can be widely applied as an authentication method by the authentication processing unit 32. For example, the authentication processing unit 32 reads the biometric information of one living body part a plurality of times from the customer, optimizes the biometric information using the biometric information read from the customer a plurality of times, and the optimized biometric information. A method of collating and authenticating using information and registered biometric information of an existing IC card can be used.

  The new card insertion guidance support processing unit 33 guides insertion of a new IC card when authentication based on one or more registered biometric information of an existing IC card and biometric information read from a customer is successful.

  When a new IC card is inserted, the new card confirmation unit 34 confirms the validity of the inserted new IC card. For example, the new card confirmation unit 34 determines whether the card is a card of a financial institution that can be handled based on financial institution identification information (for example, a financial institution code number) stored in the new IC card. Confirm whether or not is registered.

  Further, when the new IC card is valid, the new card confirmation unit 34 writes one or more pieces of biological information read from the customer into the new IC card. At this time, the new card confirmation unit 34 also writes the biological part information of one or more pieces of biological information on the new IC card.

  The new card biometric information reading guidance support processing unit 35 assists in reading the biometric information of each biometric part of one or a plurality of biometric information written on the new IC card.

  The new card authentication processing unit 36 determines whether or not the one or more biometric information written in the new IC card matches the one or more biometric information read by the new card biometric information reading support processing unit 35. Are to be verified.

  The transaction processing unit 213 performs transaction processing performed by the transaction apparatus 1. Examples of the transaction process performed by the transaction processing unit 213 include a withdrawal process, a deposit process, a balance inquiry process, and a transfer process. Note that the transaction processing performed by the transaction processing unit 213 is not limited to the above-described various transaction processes. Further, the transaction processing performed by the transaction processing unit 213 does not have to be all of the various transaction processes, and may be a part of the various transaction processes.

  The storage unit 22 stores a processing program executed by the control unit 21, screen information to be displayed on the operation display unit 12, input information input from the operation display unit 12, and the like.

  Here, as screen information to be displayed on the operation display unit 12, for example, when registering biometric information in a transaction type transaction selection screen or a new IC card, an existing IC card or insertion of a new IC card or customer biometric information is registered. There is a guidance guidance screen showing how to read the transaction, a confirmation screen for transaction details, and the like.

  The communication unit 23 transmits / receives transaction information to / from a host computer through a network. The communication unit 23 performs a call with a call center terminal.

  The operation display screen control unit 24 controls the operation of the operation display unit 12 under the control of the control unit 21. The operation display screen control unit 24 displays the screen on the operation display unit 12 based on the screen information received from the control unit 21 and gives the control unit 21 information input from the operation display unit 12. is there.

  The card mechanism unit 25 takes in or discharges the IC card from the card slot 13 under the control of the control unit 21. Further, the card mechanism unit 25 reads card information stored in a storage unit (for example, a magnetic storage unit or an IC chip) of an IC card inserted from the card insertion / exit 13, and sends the card information to the control unit 21. Give.

  The bankbook mechanism unit 26 takes in or discharges the bankbook from the bankbook entrance / exit 14 under the control of the control unit 21. Further, the passbook mechanism unit 26 reads passbook information stored in a passbook storage unit (for example, a magnetic storage unit or an IC chip) inserted from the passbook entry / exit port 14 and gives the passbook information to the control unit 21. Is.

  The cash mechanism unit 27 controls operations of the banknote slot 15 and the coin slot 16 under the control of the control unit 21. Further, the cash mechanism unit 27 counts the amount of money inserted from the banknote entrance / exit 15 and the coin entrance / exit 16, and gives the amount to the control unit 21 or returns it to the customer according to the instruction of the control unit 21. The money to be discharged is discharged from the banknote inlet / outlet 15 and the coin inlet / outlet 16.

(A-2) Operation of Embodiment Next, processing operation when an IC card with unregistered biometric information is inserted in the transaction apparatus 1 according to the embodiment will be described with reference to the drawings.

  In the following, a case where biometric information is a finger vein pattern and two finger vein patterns are registered in an existing IC card will be exemplified. That is, a case where the vein patterns of the same two fingers as the fingers registered in the existing IC card are registered in the new IC card as biometric information is illustrated.

  FIG.4 and FIG.5 is a flowchart which shows the registration process to the new IC card of the biometric information in the transaction apparatus 1 which concerns on embodiment.

  First, for example, when the transaction apparatus 1 detects a customer using a sensor such as a contact of the operation display unit 12 by a customer or a human sensor, the control unit 21 displays a transaction selection screen on the operation display unit 12 (S101).

  For example, FIG. 6 is a screen diagram illustrating an example of a transaction selection screen. The transaction selection screen 510 in FIG. 6 includes a display unit 511 for selecting a transaction type such as “Please select a desired transaction” and a “transfer” button 512 as a selection button for selecting the transaction type. , A “deposit / repayment” button 513, a “draw / loan” button 514, and the like.

  When the transaction type is selected by the customer, the control unit 21 causes the operation display unit 12 to display a transaction content confirmation screen for confirming that authentication by verification of biometric information is necessary in the transaction (S102).

  Transactions based on verification of biometric information require processing such as acquisition of biometric information from an existing IC card and confirmation of the validity of a new IC card. That is, since the number of screen operations and the required time become longer compared to a normal transaction, the transaction apparatus 1 according to the embodiment indicates that authentication by collation of biometric information is necessary for a customer in advance. indicate.

  For example, FIG. 7 is a screen diagram illustrating an example of a transaction content confirmation screen 520. The transaction content confirmation screen 520 in FIG. 7 is, for example, “Authentication by biometric information is required when making a transaction. Therefore, an IC card with biometric information registered is required. In this manner, the display unit 521 includes that the authentication with the biometric information is necessary for performing the transaction, the IC card in which the biometric information is registered, and the request for consent from the customer, and the “confirm” button. 522 and “Cancel” button 523.

  When the “confirm” button 522 is selected in S102, the control unit 21 causes the operation display unit 12 to display an insertion guide screen for an existing IC card that guides the customer to insert an existing IC card (S103). ). Moreover, the control part 21 waits until a card is inserted by the customer. In S102, when the “Cancel” button 523 is selected, the control unit 21 ends the transaction process.

  For example, FIG. 8 is a screen diagram illustrating an example of an existing IC card insertion guidance screen. In order to request the customer to insert the existing IC card, the existing IC card insertion guide screen 530 in FIG. 8 inserts the existing IC card, for example, “Please insert the card you have used so far.” A display unit 531 for prompting and a “cancel” button 533 are provided. Further, as shown in FIG. 8, the IC card insertion guidance screen 530 may include an image image of card insertion in order to make the customer recognize card insertion through vision.

  When the card is inserted, the control unit 21 confirms the validity of the inserted card (S104). For example, the control unit 21 determines whether the inserted card is an IC card, a card of a financial institution that can be handled based on financial institution identification information stored in the IC card, or biometric information is stored in the IC card. Check if it is registered.

  At this time, if the inserted IC card is not valid, the control unit 21 returns the inserted IC card and ends the process.

  On the other hand, when the inserted IC card is valid, the control unit 21 acquires the biological part information of each biological information registered in the existing IC card (S105).

  And the control part 21 displays the biometric information reading induction | guidance | derivation guidance screen on the operation display part 12 in order to acquire the biometric information of the biometric part registered into the existing IC card from a customer (S106).

  FIG. 9 is a screen diagram illustrating an example of a biometric information reading guidance screen. The biometric information reading guidance guidance screen 540 of FIG. 9 includes, for example, a reading guidance guidance display section 541 such as “Perform the first reading four times. Please place your finger registered in the biometric authentication device”, A “cancel” button 544 is included.

  Here, in this embodiment, the case where authentication of the biometric information of one finger is performed four times is illustrated. Therefore, in order to notify the customer to that effect, the reading guidance guidance display unit 541 displays that the reading is performed “four times”. Note that the number of authentications performed for one finger is not particularly limited, and may be once or twice.

  The biometric information reading guidance screen 540 in FIG. 9 includes a guidance display unit 542 for a registered biomedical part such as “Registration finger is [right hand index finger] [left hand index finger]”. The registered biological part guidance display unit 542 includes each biological part information of the registered biological information acquired from the existing IC card by the control unit 21 in S105. It is assumed that the guidance display unit 542 for registered biological parts in FIG. 9 displays a list showing all of the plurality of biological parts. Thereby, it is possible to make the customer recognize which biological part the biological information registered in the existing IC card belongs to.

  Note that the guidance display of the registered biological part can be widely applied as long as the customer can recognize the read biological part and the unread biological part. For example, the display of the living body part may be reversed for the read biological body part.

  Furthermore, the biometric information reading guidance screen 540 of FIG. 9 includes an image diagram 543 for explaining a method of reading biometric information. Thereby, the reading method of biometric information can be confirmed with respect to a customer visually.

  The customer views the biological information reading guidance screen 540 and places the biological part on the biological information reading device 11. At this time, the customer may be any biological part among the registered fingers displayed on the guidance display part 542 of the registered biological part in FIG.

  Here, it is assumed that the customer first places the “right index finger” on the biometric information reader 11 and reads the biometric information.

  The biological information reader 11 reads biological information of the biological part. Information read by the biological information reader 11 is given to the control unit 21.

  The control unit 21 performs an authentication process by determining whether or not the biometric information registered in the existing IC card matches the biometric information acquired from the biometric information reading device 11 (S107).

  At this time, in the case of authentication failure, the control unit 21 displays an authentication NG screen on the operation display unit 12. The reason for the authentication NG may be displayed on the authentication NG screen. For example, the reason for the authentication NG is that it does not match the biometric information registered in the existing IC card, the finger placed on the biometric information reader 11 is not correctly placed, or is not stationary. . Moreover, the control part 21 may make it complete | finish or interrupt a transaction in the case of authentication NG continuously for a predetermined number of times.

  On the other hand, if the authentication is successful, the control unit 21 determines whether or not the first type of successful authentication has reached the specified number (S109). If the number of successful authentications has not reached the prescribed number, the control unit 21 returns the process to S106 and causes the operation display unit 12 to display the next biometric information reading guidance screen along with the authentication success screen (S106). .

  FIG. 10 is an example of a screen for successful authentication. FIG. 11 is a screen diagram illustrating an example of the second and subsequent biometric information reading guidance screens of the same type.

  The authentication success screen 550 in FIG. 10 includes a guidance display section 551 such as “The first first authentication has been completed. Please take your finger off”, and a display section indicating the success of authentication. The screen includes a screen 552, an image diagram 553 that makes it appear that a finger is released, and a “cancel” button 554.

  The biometric information reading guidance screen 560 in FIG. 11 reads the second and subsequent readings such as “perform the second reading of the first one. Place the same finger on the biometric information reading device again”. It includes a reading guidance guidance display section 561 for guiding, a “cancel” button 564, and an image diagram 563 for explaining a method of reading biometric information.

  Moreover, the biometric information reading guidance screen 560 of FIG. 11 may include a guidance display unit 562 for a registered biological part indicating a finger that has been successfully authenticated among the registered biological parts. Thereby, since the customer can indicate a finger for authentication this time, the customer can recognize which living body part should be placed on the biometric information authentication device 11. Since the reading guidance guidance display unit 561 is displayed, the guidance display unit 562 for the registered living body part may not be displayed.

  Also for the second and subsequent times of the same type, until the number of successful authentications reaches the specified number, the customer places the same biological part in the biological information reader 11 and the controller 21 performs an authentication process (S106). To S109).

  When the number of successful authentications of the first type reaches the specified number of times, the control unit 21 displays a biometric information reading guidance screen for performing the next type of authentication processing (S110).

  FIG. 12 is a screen diagram illustrating an example of a second type of biological information reading guidance screen. The biometric information reading guidance screen 540 in FIG. 12 includes a reading guidance guidance display unit 561 such as “Perform the second reading four times. Please put your finger registered in the biometric authentication device” and the like. It includes a guidance display unit 562 for a biological part, an image diagram 563 for explaining a method for reading biological information, and a “cancel” button 564.

  Here, the registered biological part guidance display unit 542 may display only the second type of biological part among the registered biological parts registered in the existing IC card. That is, the control unit 21 can cause the customer to recognize which biological part is necessary by deleting the biological part that has been successfully authenticated and displaying the biological part that has not been authenticated yet. .

  The control unit 21 performs the same processing as the processing of S106 to S109 for the second type of biological part. That is, the control unit 21 also performs the second type of biological part until the number of successful authentications reaches the specified number. Then, when the specified number of times has not been reached, the control unit 21 causes the operation display unit 12 to display screens corresponding to FIGS. 10 and 11 for the second type of living body part.

  As in S106 to S113, the control unit 21 performs an authentication process based on the biological information of all biological parts registered in the existing IC card.

  Next, the control unit 21 displays an insertion guidance screen for guiding the insertion of the new IC card on the operation display unit 12 in order to register one or more pieces of biological information in the new IC card (S114).

  FIG. 13 is a screen diagram illustrating an example of a new card insertion guidance screen. In order to request the customer to insert a new IC card, the new IC card insertion guidance screen 570 in FIG. 13 is a display section 571 that prompts the user to insert a new IC card, such as “Please insert a new card.” And a “Cancel” button 573. Further, as shown in FIG. 13, the IC card insertion guidance screen 570 may include and include an image image 572 of card insertion so that the customer can visually recognize the card insertion.

  When the new IC card is inserted, the control unit 21 confirms the validity of the inserted new IC card (S115).

  For example, the control unit 21 determines whether the inserted card is an IC card, a card of a financial institution that can be handled based on the financial institution identification information of the new IC card, or an account of the new IC card and the existing IC card. It confirms whether the information matches, whether biometric information is registered in the IC card, or the like.

  Further, for example, the control unit 21 requests input of a personal identification number, confirms whether or not the input personal identification number matches the personal identification number registered in the new IC card, and confirms the validity of the new IC card. You may make it judge.

  If the inserted IC card is not valid, the control unit 21 returns the inserted IC card and ends the process.

  When the new IC card is valid, the control unit 21 writes all the biometric information read from the customer this time through the biometric information reader 11 in the process of S106 to S113 to the new IC card (S116).

  For example, in this embodiment, the control unit 21 reads biological information four times for one type of biological part. The control unit 21 can apply a method of performing a predetermined optimization process based on the read biometric information four times, and writing the information after the optimization process to a new IC card. Of course, the method of writing biometric information on the new IC card is not limited to this method, and various methods can be widely applied.

  Next, in order to confirm the validity of the biometric information written on the new IC card, the control unit 21 performs an authentication process using the biometric information written on the new IC card.

  First, the control unit 21 displays a biological information reading guidance screen on the operation display unit 12 (S117).

  FIG. 14 is a screen diagram showing an example of a biometric information reading guidance screen for confirming biometric information of a new IC card. The biometric information reading guidance screen 580 shown in FIG. 14 includes, for example, a guidance display unit 581 such as “Please always put your finger on the biometric information reading device”, a guidance display unit 582 for a registered biological part, An image diagram 583 for explaining the information reading method and a “cancel” button 584 are included.

  14 exemplifies a case where a list of all biological parts registered in the new IC card is displayed in the guidance display unit 582 for registered biological parts, but such list display is not displayed. Also good.

  At this time, the customer may place any living body part in the living body information reader 11 among the registered living body parts.

  The biometric information read by the biometric information reading device 11 is given to the control unit 21, and the control unit 21 matches the biometric information registered in the new IC card with the biometric information from the biometric information reading device 11. Whether or not the authentication process is performed (S118).

  In the case of authentication failure, the control unit 21 displays an authentication NG screen on the operation display unit 12 (S119).

  At this time, the reason for the authentication NG may be displayed on the screen of the authentication NG. For example, the reason for the authentication NG is that it does not match the biometric information registered in the existing IC card, the finger placed on the biometric information reader 11 is not correctly placed, or is not stationary. . Moreover, the control part 21 may make it complete | finish or interrupt a transaction in the case of authentication NG continuously for a predetermined number of times.

  On the other hand, in the case of successful authentication, the control unit 21 displays a biometric information reading guidance screen for reading the biometric information of the other biological site in order to perform the authentication process using the biometric information of the other biological site. (S120).

  FIG. 15 is a screen diagram showing an example of a biometric information reading guidance screen for another living body part for confirming the biometric information of the new IC card. The biometric information reading guidance screen 590 of FIG. 15 includes a guidance display unit 591 such as “Place the other finger on the biometric information reader”, a guidance display unit 592 for a registered biological part, and biometric information. 3 includes an image diagram 593 for explaining the reading method and a “cancel” button 594.

  In addition, the registered biometric part guidance display unit 592 deletes the registered biometric parts that have been successfully authenticated from the registered biometric parts registered in the new IC card, and displays the remaining registered biometric parts. Thereby, the customer can recognize the living body part to be authenticated. Therefore, it is possible to prevent re-reading of the biological part that has been read by the customer.

  The biological information read by the biological information reading device 11 is given to the control unit 21, and the control unit 21 reads the biological information of other biological parts registered in the new IC card and the biological information from the biological information reading device 11. It is determined whether or not the information matches, and authentication processing is performed (S121).

  In the case of authentication failure, the control unit 21 displays an authentication NG screen on the operation display unit 12 (S122). At this time, the reason for authentication NG may be displayed on the screen of authentication NG. In the case of authentication NG continuously for a predetermined number of times, the control unit 21 may end the transaction.

  As described above, when all the biometric information written in the new IC card is successfully authenticated, the registration of all the biometric information in the new IC card is completed.

  Thereafter, the transaction apparatus 1 returns the existing IC card after returning the new IC card (S123) (S124). In addition, about an existing IC card, you may make it return after performing an unusable process before returning, and you may make it take in the transaction apparatus 1 without returning.

(A-3) Effect of Embodiment As described above, according to the embodiment, when biometric information is registered in a new IC card (medium), a biometric part necessary for registration is displayed to the customer in an easily understandable manner. be able to. As a result, even when there are two or more types of biological parts necessary for biometric authentication, it is possible to make a customer recognize an authenticated biological part and an unauthenticated biological part.

  In addition, according to the embodiment, even when authentication is required a plurality of times for one type of biological part, the biological part specified by the first authentication can be shown in the second and subsequent times.

(B) Other Embodiments Although various modified embodiments of the present invention have been described in the above-described embodiments, the following modified embodiments can be applied to the present invention.

(B-1) In embodiment mentioned above, the registration process of the biometric information to the new IC card in the transaction apparatus was demonstrated using FIG.4 and FIG.5. However, the flowcharts of FIGS. 4 and 5 are examples, and the biometric information registration process to the new IC card is not limited to the flowcharts of FIGS. 4 and 5.

  For example, in FIG. 4 and FIG. 5, when biometric information is registered in a new IC card, in order to confirm whether or not the biometric information of the new IC card has been correctly registered, legitimacy confirmation processing is performed in S117 to S122. I decided to do it. However, the process for confirming the validity of the biometric information of the new IC card may be omitted. Thereby, the operation time for confirming the validity of the biometric information of the new IC card can be shortened.

  Further, for example, in FIGS. 4 and 5, the authentication process using the biological information of one kind of biological part registered in the existing IC card is performed a plurality of times (four times in the above-described embodiment). However, the authentication information may be performed once for the biological information of one type of biological part. Thereby, since the time concerning the authentication process using the biometric information of one kind of living body part is shortened, the operation time in the transaction apparatus is shortened.

(B-2) Each display screen illustrated in embodiment mentioned above is an example, and is not limited to these.

  For example, as a modified embodiment of the biological information reading guidance screen shown in FIGS. 9 and 12, for example, the biological information reading guidance screen shown in FIGS. 16 and 17 may be used.

  The biometric information reading guidance screen 600 shown in FIG. 16 may include a registered biological part display unit 604 that indicates a registered biological part in the image image (five finger image) 603 of both hands. Thereby, a customer can confirm a registered living body part through vision.

  Moreover, the biometric information reading guidance screen 610 of FIG. 17 is a guidance guidance screen for reading the biometric information of the second type of registered biometric part. In this case, the registered biological part guidance display unit 612 deletes the first type of biological part to show the remaining biological parts, and in the image image 630 of both hands, the registered biological part display unit 614 displays the first type of biological part. Only the remaining living body parts may be shown without showing the living body parts.

  Further, for example, as a modified embodiment of the biological information reading guidance screen shown in FIGS. 9 and 12, for example, the biological information reading guidance screen shown in FIGS. 18 and 19 may be used.

  The biometric information reading guidance screen 620 in FIG. 18 includes an image image (five-finger image image) 623 of any one hand of the registered biological site. FIG. 18 shows a case where, for example, the index finger of the right hand is placed on the biological information reader.

  A biometric information reading guidance screen 630 in FIG. 19 is a guidance guidance screen for reading the biometric information of the second type of registered biological body part. In this case, the registered biological part guidance display unit 632 deletes the first biological part to show the remaining biological parts, and in the image image 633 of one or the other hand having the remaining unread biological parts. The first type of biological part is not displayed, and the remaining biological part is placed on the biological information reader. Thereby, a customer can confirm a registered living body part through vision.

  Note that the image images 623 and 633 in FIGS. 18 and 19 display only one hand, but may display both hands.

(B-3) In embodiment mentioned above, the case where a transaction apparatus performs an authentication process was illustrated. However, the authentication process may be performed by a server connected to the transaction apparatus or the financial institution center apparatus.

  For example, when the authentication process shifts from a system executed by a transaction apparatus to a system executed by a server or the like, the biometric information is registered on the server side from the IC card in which the biometric information has been registered so far. It will be necessary. In such a case, for example, in the flowcharts of FIGS. 4 and 5, instead of writing the biometric information of the new IC card, the biometric information is written to the database, thereby performing the same processing as in the above-described embodiment. be able to.

(B-4) In the above-described embodiment, a finger vein pattern is used as an example of biometric information. However, the biometric information may be a palm vein pattern, a facial feature pattern, a customer fingerprint, a voice-based vocal cord, an iris, or the like. The authentication process may be performed by combining a plurality of types of biological information as described above. Furthermore, the authentication process may be performed in combination with the above-described biometric information and a password.

(B-5) In embodiment mentioned above, the case where the transaction apparatus which concerns on this invention was an automatic transaction apparatus (ATM) which performs a financial transaction was illustrated. The transaction device can be widely applied as long as the transaction is permitted by collation / authentication of biometric information using an IC card in which biometric information is registered.

(B-6) In the above-described embodiment, the case where biometric information is registered in the IC card is exemplified. However, the registration destination of the biometric information is not limited to the IC card, and may be, for example, a mobile terminal (for example, a concept including a mobile phone, a so-called smartphone terminal, a tablet terminal, etc.) equipped with an IC chip. . In this case, the transaction apparatus can be realized by providing, for example, a short-range wireless communication apparatus instead of the card entry / exit. That is, a medium including an IC card can be widely applied as long as the expiration date for use is determined and biometric information can be registered.

DESCRIPTION OF SYMBOLS 1 ... Transaction apparatus, 11 ... Biometric information reader, 12 ... Operation display part, 13 ... Card entrance / exit,
21 ... Control unit, 22 ... Storage unit, 23 ... Communication unit, 24 ... Operation display screen control unit, 25 ... Card mechanism unit,
211 ... Inserted card confirmation unit, 212 ... Biometric information registration support processing unit, 213 ... Transaction processing unit,
DESCRIPTION OF SYMBOLS 31 ... Biometric information reading guidance support processing part, 32 ... Authentication processing part, 33 ... New card insertion guidance support processing part, 34 ... New card confirmation part, 35 ... New card biometric information reading guidance support processing part, 36 ... New card authentication Processing part.

Claims (8)

In a transaction apparatus for performing a transaction in accordance with a verification result between one or a plurality of registered biometric information registered in a medium and a customer's biometric information read by the biometric information reading unit,
Guidance display that acquires the biometric part of the one or more registered biometric information from the inserted medium and displays the read biometric part and the unread biometric part in a recognizable manner among all the obtained biometric parts. Biometric information reading guidance support processing means for displaying on the display means a biometric information reading guidance screen including a section;
Authentication processing means for performing authentication processing based on the one or more registered biometric information of the medium and each biometric information of the customer acquired from the biometric information reading means;
Biometric information registration means for registering one or more biometric information that has been successfully authenticated in a new separate medium when authentication using the one or more registered biometric information by the authentication processing means is successful ,
In a case where the authentication processing means performs authentication processing for a plurality of times for one piece of registered biometric information, the biometric information reading guidance includes a display unit that identifies the biometric part read by the biometric information reading guidance support processing means for the first time. A transaction apparatus for displaying a screen on a display means until the number of times of authentication is reached .   2. The transaction according to claim 1, wherein the biological information reading guidance support processing unit displays an unread biological part without displaying the read biological part on the guidance display unit. apparatus.   The transaction according to claim 1 or 2, wherein the biological information reading guidance support processing means displays a biological information reading guidance screen including an image display unit indicating an unread biological part on the display means. apparatus. The said biometric information registration means performs formal registration after the authentication process using the 1 or several biometric information registered into the new another medium, The said any one of Claims 1-3 characterized by the above-mentioned. Transaction equipment. The registered biometric information is a finger vein pattern,
The biological information reading guidance support processing means displays a biological information reading guidance screen including an image display unit indicating a finger registered as one or a plurality of registered biological information in a five-finger image image of both hands or one of the hands. transaction apparatus according to any one of claims 1 to 4, characterized in that. The biometric information reading guidance support processing means deletes the image display portion of the read finger in the five-finger image image of both hands or one of the hands after reading the living body part, and the unread finger is registered 6. The transaction apparatus according to claim 5 , wherein a biometric information reading guide screen including an image display unit indicating an unread finger in a five-finger image image of both hands or one or the other hand is displayed. In a transaction method for performing a transaction in accordance with a verification result of one or a plurality of registered biometric information registered in a medium and the biometric information of a customer read by the biometric information reading unit,
The transaction apparatus comprises biometric information reading guidance support processing means, authentication processing means, biometric information registration means,
The biological information reading guidance support processing unit acquires the biological part of the one or more registered biological information from the medium, and recognizes the read biological part and the unread biological part among all the acquired biological parts. A biological information reading guidance support processing step for causing the display means to display a biological information reading guidance screen including a guidance display section to be displayed;
An authentication processing step in which an authentication processing means performs an authentication process based on the one or more registered biometric information of the medium and each biometric information of the customer acquired from the biometric information reading means;
Biometric information registration means that biometric information registration means registers one or more biometric information that has been successfully authenticated in a new medium when authentication using the one or more registered biometric information by the authentication processing means is successful. It possesses a step,
In a case where the authentication processing means performs authentication processing for a plurality of times for one piece of registered biometric information, the biometric information reading guidance includes a display unit that identifies the biometric part read by the biometric information reading guidance support processing means for the first time. A transaction method characterized in that a screen is displayed on a display means until the number of times of authentication is reached . In a transaction system for performing a transaction according to a collation result between one or a plurality of registered biometric information registered in a medium and a customer's biometric information read by the biometric information reading unit,
Including a guidance display unit that acquires the biological part of the one or more registered biological information from the medium and displays the read biological part and the unread biological part among all the acquired biological parts in a recognizable manner. Biological information reading guidance support processing means for displaying a biological information reading guidance screen on the display means;
Authentication processing means for performing authentication processing based on the one or more registered biometric information of the medium and each biometric information of the customer acquired from the biometric information reading means;
Biometric information registration means for registering one or more biometric information that has been successfully authenticated in a new separate medium when authentication using the one or more registered biometric information by the authentication processing means is successful ,
In a case where the authentication processing means performs authentication processing for a plurality of times for one piece of registered biometric information, the biometric information reading guidance includes a display unit that identifies the biometric part read by the biometric information reading guidance support processing means for the first time. A transaction system that displays a screen on a display means until the number of times of authentication is reached .

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