JP6705232B2 - System, cash deposit method and program - Google Patents

Description

The present invention relates to a system, a cash deposit method and a program. In particular, it relates to a system for processing cash transactions, a cash deposit method and a program.

An automatic teller machine (ATM) for depositing and withdrawing money is widely used. The ATM has a display screen, an operation panel, an entrance for cash and a passbook, and a payment port. A user operates the operation panel while looking at the display screen to deposit and pay cash. Further, when using the ATM, it is necessary to input various kinds of information such as the transaction type, the transaction amount, the personal identification number and the necessity of receipt into the ATM.

Furthermore, in recent years, Internet banking, which connects to the Internet by a terminal such as a mobile phone or a smart phone and gives a cash payment instruction on a bank homepage, has become widespread (for example, see Patent Document 1). Patent Document 1 discloses a technique of changing a security level given to a user depending on a difference in authentication method (see, for example, paragraph [0070]). The paragraph discloses that a low security level is given to authentication using a password and a higher security level is given to authentication using a face image or a fingerprint image.

Special table 2014-523591 gazette

The disclosure of the above-mentioned prior art documents is incorporated herein by reference. The following analysis was conducted by the present inventors.

As described above, cash payment using ATM is widely performed. Therefore, many people who want to use ATMs installed in banks and retail stores (for example, convenience stores) are often waiting in front of the ATMs. One of the causes of queues in front of ATM is that one user takes a long time to make a transaction. In addition, it is considered that there are many people who give up using the ATM when they see a long line in front of the ATM. In other words, due to the long transaction time per transaction, there are depositors who abandon cash deposits and withdrawals by ATMs, and it can be said that banks, etc. are losing opportunities for fee income.

It is an object of the present invention to provide a system, a cash deposit method and a program that contribute to shortening the device usage time in one transaction.

Note that, as described above, the technique disclosed in Patent Document 1 is a technique relating to financial transactions using the Internet, and is unrelated to deposit and withdrawal of cash using ATM.

According to a first aspect of the present invention, a terminal, when the transaction execution, comprising: a counting system for the first authentication and second authentication, the cash machine, the said terminal, first about the transaction Having one authentication data, accepting an input operation of transaction information related to an account of a financial institution, setting the transaction information including the first authentication data in the automatic teller machine, and the automatic teller machine , An inquiry is made to the accounting system as to whether or not the transaction information including the set first authentication data is valid, and when it is determined that the transaction information is valid, a person in front of the own device sets the setting. The system, which inquires the accounting system about the second authentication regarding whether or not the account of the transaction information set can be used, and performs the process according to the set transaction information when the second authentication is valid Provided.

According to a second aspect of the present invention, in a system including a terminal , an accounting system for performing first authentication and second authentication, and an automatic teller machine, the terminal relates to a transaction held in the terminal. Accepting an input operation of transaction information relating to an account of a financial institution using the first authentication data, and setting the transaction information including the first authentication data in the automatic teller machine; and the automatic teller machine. , Inquires to the accounting system whether the transaction information including the set first authentication data is valid, and when it is determined that the transaction information is valid, the person in front of the own device is Inquiring the accounting system for second authentication regarding whether or not a person who can use the account of the set transaction information, and if the second authentication is valid, performing a process according to the set transaction information. Cash payment methods are provided, including,.

According to a third aspect of the present invention, a computer that controls an automatic teller machine used in a system including a terminal and an accounting system that performs first authentication and second authentication when executing a transaction is executed. A program for causing the terminal to set the terminal, the first authentication data relating to the transaction held in the terminal, a process for accepting transmission of input data of transaction information relating to an account of a financial institution, and the received first authentication data. Inquires to the accounting system as to whether or not the transaction information including is valid, and when the transaction information is determined to be valid, a person in front of the device can use the account of the transaction information. A program for inquiring a second authentication regarding whether or not is, and executing the process of setting the transaction information in the automatic teller machine when the second authentication is valid is provided.
Note that this program can be recorded in a computer-readable storage medium. The storage medium may be a non-transient one such as a semiconductor memory, a hard disk, a magnetic recording medium, an optical recording medium, or the like. The present invention can also be embodied as a computer program product.

According to each of the aspects of the present invention, there are provided a system, a cash deposit method, and a program that contribute to shortening the device usage time in one transaction.

It is a figure for explaining the outline of one embodiment. It is a figure which shows an example of a structure of the bank system which concerns on 1st Embodiment. It is a figure which shows an example of the hardware constitutions of the terminal which concerns on 1st Embodiment. It is a block diagram which shows an example of a process structure of the terminal which concerns on 1st Embodiment. It is a figure which shows an example of a transaction information input screen. It is a figure which shows an example of the hardware constitutions of ATM which concerns on 1st Embodiment. It is a block diagram which shows an example of a processing structure of ATM which concerns on 1st Embodiment. It is a figure which shows an example of the information memorize|stored in the memory|storage part of ATM which concerns on 1st Embodiment. It is a figure for demonstrating operation|movement of the authentication part of ATM which concerns on 1st Embodiment. It is a figure which shows an example of the database which concerns on 1st Embodiment. It is a sequence diagram which shows an example of operation|movement of the bank system which concerns on 1st Embodiment.

First, an outline of one embodiment will be described. Note that the reference numerals attached to the outline are added to the respective elements for convenience as an example for facilitating understanding, and the description of the outline is not intended to limit the invention.

The system according to one embodiment includes a terminal 100 and an automatic teller machine 101 (see FIG. 1 ). The terminal 100 receives an input operation of transaction information related to an account of a financial institution, and sets the transaction information in the automatic teller machine 101. The automatic teller machine 101 performs processing according to the set transaction information when the person in front of the self-authentication device authenticates that the person can use the account of the set transaction information.

In the above system, the information (transaction information) that should normally be input by operating the automatic teller machine 101 is preset in the automatic teller machine 101 via the terminal 100. In such a state, when the depositor approaches the automatic teller machine 101 (when it reaches the front), the automatic teller machine 101 authenticates the person and performs identity verification. The automatic teller machine 101 executes a transaction such as withdrawal if the face-to-face person is successfully authenticated. As a result, the number of operations performed by the depositor in front of the automatic teller machine 101 is reduced, and the transaction time per transaction by one depositor is shortened.

Hereinafter, specific embodiments will be described in more detail with reference to the drawings. In addition, in each embodiment, the same components are denoted by the same reference numerals, and the description thereof will be omitted.

[First Embodiment]
The first embodiment will be described in more detail with reference to the drawings.

FIG. 2 is a diagram showing an example of the configuration of the bank system according to the first embodiment. Referring to FIG. 2, the bank system is a service relating to cash deposit/withdrawal, etc. for owners (depositors) of each of a plurality of terminals 10-1 to 10-n (where n is a positive positive number). Is a system that provides.

The banking system is configured to include a plurality of ATMs 20-1 to 20-m (m is a positive positive number, the same applies hereinafter) and an accounting system 30. In the following description, the ATM 20-1 to 20-m will be simply referred to as "ATM 20" unless there is a particular reason to distinguish them. Similarly, the terminals 10-1 to 10-n are simply referred to as “terminal 10” unless there is a particular reason to distinguish them.

The plurality of ATMs 20 and the billing system 30 are connected to each other via a private line or a closed network such as a VPN (Virtual Private Network).

Although a bank system is illustrated in FIG. 2, a system by a financial institution other than a bank (for example, a credit union, a securities company, etc.) may be used.

The terminal 10 is a terminal owned by a depositor who uses the ATM 20. The terminal 10 is a mobile terminal such as a mobile phone or a smart phone, and has a short-distance wireless communication means compatible with Bluetooth (registered trademark, the same applies hereinafter), WiFi (Wireless Fidelity), or the like.

The ATM 20 is also called an automatic teller machine, and is a device that automates transactions such as deposit, withdrawal, and transfer. The ATM 20 also has short-range wireless communication means. The terminal 10 and the ATM 20 can communicate with each other by short-range wireless communication.

The accounting system 30 is a processing system including a group of computer systems for accounting processing in the bank system. The accounting system 30 is a system for processing a savings account ledger, and processes transactions relating to deposits and withdrawals via the ATM 20. The accounting system 30 shown in FIG. 2 can be realized by adding information to an existing database that manages accounts of depositors. Therefore, detailed description of the accounting system 30 will be omitted except for the addition of information to the database.

[System operation outline]
Next, the schematic operation of the bank system will be described with reference to FIG.

In FIG. 2, the user of the ATM 20 inputs (sets) transaction information (for example, transaction type, personal identification number, etc.) that had to be input to the ATM into his/her terminal 10 in advance.

When the terminal 10 approaches the ATM 20 while the transaction information is set in the terminal 10 in advance, the transaction information is exchanged between the ATM 20 and the terminal 10 by near field communication. The dotted line centering on the ATM 20-1 in FIG. 2 indicates the range in which short-distance wireless communication is possible between the two devices. It should be noted that the short-range wireless communication is planned to cover a distance of several meters (for example, about 5 m to 10 m).

After the setting of the transaction information, when the owner of the terminal 10 reaches the front (front side) of the ATM 20, the ATM 20 authenticates the person (authenticatee) in front of the front side. For example, the ATM 20 uses the face image acquired by the camera to authenticate the person in front of the face (biometric authentication).

When the ATM 20 succeeds in authenticating the person, the ATM 20 operates according to the transaction information input in advance. For example, when the transaction information input in advance relates to cash withdrawal, the ATM 20 pays out the cash described in the transaction information after the face authentication of the person in front of the person is successfully succeeded.

As described above, the bank system shown in FIG. 2 is a system in which the transaction information that should be originally input to the ATM 20 is input from the terminal 10 in advance, and the work performed by the user in front of the ATM 20 is simplified.

[Terminal]
Next, the configuration and operation of the terminal 10 will be described. The terminal 10 has a function of accepting an input operation of transaction information regarding an account of a financial institution and setting the transaction information to the ATM 20.

FIG. 3 is a diagram illustrating an example of a hardware configuration of the terminal 10 according to the first embodiment. The terminal 10 is a mobile information processing device (computer) and has the configuration illustrated in FIG. For example, the terminal 10 includes a CPU (Central Processing Unit) 11, a memory 12, an input/output module 13, a wireless module 14 which is a short-range wireless communication unit, and the like, which are mutually connected by an internal bus.

The configuration illustrated in FIG. 3 is not intended to limit the hardware configuration of the terminal 10. The terminal 10 may include hardware (not shown). Further, the number of CPUs and the like included in the terminal 10 is not limited to the example illustrated in FIG. 3, and a plurality of CPUs may be included in the terminal 10, for example.

The memory 12 is a RAM (Random Access Memory), a ROM (Read Only Memory), and an auxiliary storage device (hard disk or the like).

The input/output module 13 is a module that includes a display device such as a liquid crystal panel and an operation device such as a touch panel, and provides a user with an interface for inputting information such as a GUI (Graphical User Interface).

The wireless module 14 is a module for realizing near field communication with the ATM 20. In the first embodiment, it is assumed that the terminal 10 and the ATM 20 are compatible with Bluetooth short-range wireless communication. When the wireless module 14 receives the packet data according to the Bluetooth standard from another device, the wireless module 14 extracts the data from the packet and outputs the data to the CPU 11. Further, when the wireless module 14 acquires the data from the CPU 11, the wireless module 14 generates packet data according to the Bluetooth standard and transmits the packet data from an antenna (not shown).

Furthermore, the wireless module 14 is capable of transmitting and receiving encrypted data. That is, the wireless module 14 supports GAP (Generic Access Profile) of Bluetooth standard. Further, upon receiving the beacon signal transmitted by the ATM 20, the wireless module 14 notifies the CPU 11 that the signal has been received.

FIG. 4 is a block diagram showing an example of the processing configuration of the terminal 10 according to the first embodiment. Referring to FIG. 4, the terminal 10 includes a wireless communication control unit 201, a storage unit 202, and a transaction information processing unit 203.

Each processing module described above is realized, for example, by the CPU 11 executing a program stored in the memory 12. In addition, the program can be downloaded via a network or updated using a storage medium storing the program. Further, the processing module may be realized by a semiconductor chip. That is, it is sufficient that there is a means for executing the function performed by the processing module with some hardware and/or software.

The wireless communication control unit 201 is means for controlling wireless communication between the terminal 10 and another device (specifically, the ATM 20). The wireless communication control unit 201 delivers the data acquired from the ATM 20 to another processing module, or transmits the packet to the ATM 20 when the data is acquired from the other processing module. Further, when the wireless communication control unit 201 acquires the beacon signal from the ATM 20, the wireless communication control unit 201 notifies the transaction information processing unit 203 of that fact.

The storage unit 202 is a unit that stores various information necessary for the operation of the terminal 10.

The transaction information processing unit 203 is means for executing processing relating to transaction information input by the user (owner, depositor) of the terminal 10. Specifically, the transaction information processing unit 203 provides the user (owner) with an interface for inputting transaction information in advance. When the user operates the menu screen of the terminal 10 or the like, the transaction information processing unit 203 displays a “transaction information input screen” as shown in FIG. 5 on the display device.

The user who touches the input screen operates an operation device such as a touch panel to input the content of the transaction to be executed in the ATM 20 into the terminal 10. Specifically, the transaction bank name, branch number, account number, transaction type (deposit, withdrawal, transfer, etc.), amount, personal identification number, user information (for example, information relating to the holder and email address) is transaction information. Is input to the terminal 10.

The transaction information processing unit 203 stores the confirmed transaction information in the storage unit 202, for example, when the user confirms the transaction content by pressing the “setting” button shown in FIG.

When the transaction information processing unit 203 receives a notification from the wireless communication control unit 201 that the beacon signal has been received from the ATM 20, when the transaction information is stored in the storage unit 202, the transaction information is directed to the ATM 20. Send. Note that the transaction information processing unit 203 does not perform a special operation if the transaction information is not stored in the storage unit 202 when receiving the notification from the ATM 20 that the beacon signal has been received.

Further, when the transaction with the ATM 20 is normally completed and the electronic receipt is received from the ATM 20, the transaction information processing unit 203 performs operations such as displaying the electronic receipt on a display device.

As described above, the terminal 10 has the function of internally storing the transaction information input by the user and setting the transaction information stored therein to the ATM 20 when mutual communication with the ATM 20 becomes possible. .

[ATM]
Next, the configuration and operation of the ATM 20 will be described. The ATM 20 has a function of performing processing according to the set transaction information when a person existing in front of the own device authenticates that the person can use the account of the transaction information set in advance.

FIG. 6 is a diagram illustrating an example of the hardware configuration of the ATM 20 according to the first embodiment. The ATM 20 has the configuration illustrated in FIG. For example, the ATM 20 includes a CPU (Central Processing Unit) 21, a memory 22, an input/output module 23, a wireless module 24, a human sensor 25, a camera module 26, a deposit/withdrawal mechanism 27, and a NIC( Network Interface Card) 28 and the like.

The configuration shown in FIG. 6 is not intended to limit the hardware configuration of the ATM 20. Further, since the CPU 21, the memory 22, the input/output module 23, and the wireless module 24 do not differ in basic operation from the CPU 11, the memory 12, the input/output module 13, and the wireless module 14, which have already been described, their description will be omitted. .. However, in order to enable the beacon signal to be transmitted by the ATM 20, the wireless module 24 is assumed to transmit the beacon signal according to the Bluetooth standard.

The human sensor 25 is a sensor for detecting whether or not a person is present in front of the ATM 20. The human sensor 25 detects whether or not a person is actually present in front of the ATM 20 by, for example, triangulation using a plurality of infrared sensors. When the human sensor 25 detects the presence of a person, the human sensor 25 notifies the camera module 26 to that effect.

The camera module 26 is a module including a camera that captures the front of the ATM 20. When the camera module 26 receives the notification that the presence of a person is detected from the human sensor 25, the camera module 26 photographs the front of the ATM 20 and outputs a captured image (face image) of the person to the CPU 21.

The deposit/withdrawal mechanism 27 is a mechanism for realizing cash withdrawal and cash deposit. Since the depositing/dispensing mechanism 27 can be realized by a configuration of an existing ATM, detailed description thereof will be omitted.

The NIC 28 is a device for the ATM 20 to communicate with various servers that form the accounting system 30.

FIG. 7 is a block diagram showing an example of the processing configuration of the ATM 20 according to the first embodiment. Referring to FIG. 7, the ATM 20 includes a communication control unit 301, a wireless communication control unit 302, a storage unit 303, a transaction processing unit 304, and an authentication unit 305.

Similar to the terminal 10, each processing module described above is realized by the CPU 21 executing a program stored in the memory 22. In addition, the program can be downloaded via a network or updated using a storage medium storing the program. Further, the processing module may be realized by a semiconductor chip. That is, it is sufficient that there is a means for executing the function performed by the processing module with some hardware and/or software.

The communication control unit 301 is means for controlling communication between the ATM 20 and the accounting system 30. The communication control unit 301 delivers the data acquired from the accounting system 30 to another processing module, or transmits the packet to the accounting system 30 when the data is acquired from another processing module.

The wireless communication control unit 302 is means for controlling wireless communication between the ATM 20 and the terminal 10. The wireless communication control unit 302 delivers the data acquired from the terminal 10 to another processing module, or transmits the packet to the terminal 10 when the data is acquired from the other processing module.

The storage unit 303 is a unit that stores various information necessary for the operation of the terminal 10.

The transaction processing unit 304 is a unit that processes transaction information transmitted by the terminal 10 by short-distance wireless communication (Bluetooth).

When the transaction information is set from the terminal 10, the transaction processing unit 304 inquires of the accounting system 30 about the validity of the transaction information. That is, the transaction processing unit 304 inquires of the accounting system 30 whether the account number and the personal identification number described in the transaction information are valid.

Upon receipt of the inquiry, the accounting system 30 confirms whether or not the account number and the personal identification number described in the transaction information and the account number and the personal identification number stored in the database 31 match, and responds to the ATM 20. To do.

As a result of the inquiry, when the transaction system 30 receives a notification from the accounting system 30 that the transaction information is valid, the transaction processing unit 304 requests the accounting system 30 to transmit information regarding the account corresponding to the inquired transaction information. Specifically, the transaction processing unit 304 requests the accounting system 30 to transmit the face image (face image file) associated with the account. When the transaction processing unit 304 acquires the face image, the transaction processing unit 304 stores in the storage unit 303 the account for which the validity has been confirmed, the transaction information, and the acquired face image in association with each other (see FIG. 8 ). In this way, the transaction processing unit 304 acquires information (face image file) used for biometric authentication (face authentication) from the accounting system 30 when transaction information is set from the terminal 10.

On the other hand, as a result of the inquiry, if the transaction information is notified from the accounting system 30 that the transaction information is not valid, the transaction processing unit 304 notifies the terminal 10 that the transaction cannot be performed (error notification).

Furthermore, when the “authentication success notification” is received from the authentication unit 305, the transaction processing unit 304 performs an operation according to the transaction type described in the transaction information specified by the notification. The “authentication success notification” by the authentication unit 305 includes information indicating that the person in front of the ATM 20 has been authenticated, and transaction information pre-input (set in the ATM 20) by the person who succeeded in the authentication.

For example, when the transaction type is “withdrawal”, the transaction processing unit 304 instructs the deposit/withdrawal mechanism 27 to pay out the amount described in the transaction type. In addition, the transaction processing unit 304 requests the accounting system 30 to perform processing relating to the withdrawal. Alternatively, when the transaction type is “payment”, the transaction processing unit 304 counts the cash deposited in the cash receiving port to the deposit/withdrawal mechanism 27, and requests the account system 30 to perform a process related to the deposit.

The authentication unit 305 is means for authenticating a person in front of the ATM 20.

When the human sensor 25 detects the presence of a person in front of the ATM 20, the authentication unit 305 uses the face image acquired by the camera module 26 and the face image stored in the storage unit 303 to The person corresponding to the acquired face image is authenticated (face authentication). More specifically, the authentication unit 305 calculates a plurality of feature quantities from the face image acquired from the camera module 26, and connects the plurality of feature quantities to generate a feature quantity vector.

Regarding the calculation of the feature amount vector from the face image, for example, as disclosed in the reference document (Japanese Patent Laid-Open No. 2015-097000), feature points (for example, center points of eyes, nose, mouth, etc.) are calculated from the face image. End point), the positional relationship of the extracted feature points, the gray value and characteristics (periodicity, directionality, color distribution, etc.) near the feature points are calculated as feature amounts, and the feature amounts are arranged (feature amount It can be used as a feature vector (by forming a set).

Here, if the face image from which the feature amount vector is calculated is different, the feature amount vector is also different. In other words, if the face image that is the source of the feature amount vector calculation is the same, the feature amount vector is also the same or almost the same. In the following description, the feature amount vector calculated from the face image of the person in front of the face will be referred to as an identifying feature amount vector.

The authentication unit 305 similarly generates a feature amount vector for the face image stored in the storage unit 303. In the following description, the feature amount vector calculated from the face image stored in the storage unit 303 will be referred to as a matching feature amount vector.

It is assumed that the feature amount vectors from the two face images by the authentication unit 305 are of the same type and are calculated by the same method, and the two feature amount vectors generated have the same dimension and the same element.

The process of generating the matching feature amount vector from the face image stored in the storage unit 303 by the authentication unit 305 can be executed at any timing. For example, the authentication unit 305 may generate a collation feature amount vector of the face image in advance at the timing when it is determined that the face image is stored in the storage unit 303, and may use it later. Alternatively, the authentication unit 305 may calculate the matching feature amount vector of the face image stored in the storage unit 303 at the timing when the person in front of the person needs to be authenticated.

When the generation of the identification feature amount vector is completed, the authentication unit 305 calculates the degree of similarity between the identification feature amount vector and each matching feature amount vector. For example, the authentication unit 305 calculates the chi-square distance, the Euclidean distance, or the like between the two feature amount vectors. The calculated chi-square distance or Euclidean distance is an index indicating the degree of similarity between two feature amount vectors (two face images characterized by the feature amount vector). The index indicating the similarity between the two feature amount vectors is not limited to the above Euclidean distance or chi-square distance. It may be an index such as a correlation value (Correlation) of two feature amount vectors.

The authentication unit 305 determines whether there is a similarity higher than a predetermined value by performing threshold processing on the calculated similarity. The authentication unit 305 authenticates the person in front of the ATM 20 when the similarity higher than the predetermined value can be specified. The authentication unit 305 also identifies the transaction information set in the ATM 20 from the face image corresponding to the identified similarity. After that, the authentication unit 305 notifies the transaction processing unit 304 of the fact that the person in front of the person has been successfully authenticated and the transaction information previously input by the person. The notification is the above-mentioned “authentication success notification”.

On the other hand, as a result of the threshold processing, the authentication unit 305 does not authenticate the person in front of the ATM 20 when the similarity higher than a predetermined value cannot be specified (discovered). In that case, the authentication unit 305 does not perform special processing.

As described above, the authentication unit 305 authenticates the person in front of the ATM 20 when the transaction information inquired of the accounting system 30 is valid. When the human sensor 25 determines that a person is present in front of the ATM 20, the authentication unit 305 performs biometric authentication.

The operations up to face authentication and identification of transaction information will be specifically described with reference to the drawings. For example, as shown in FIG. 9, it is assumed that three persons, Mr. A to Mr. C, have previously set transaction information for the ATM 20-1. Since the transaction information of the three persons is set in advance, the face images of Mrs. A to C are stored in the storage unit 303 of the ATM 20-1 in association with the transaction information.

When Mr. A arrives in front of the ATM 20-1 under such a situation, the authentication unit 305 generates an identifying feature amount vector FV (Feature Vector)_A1 from Mr. A's face image. After that, the authentication unit 305 calculates the similarity between the matching feature amount vectors FV_A to FV_C of Mr. A to C generated at a predetermined timing and the identifying feature amount vector FV_A1. After that, the authentication unit 305 executes threshold processing on the calculated similarity.

As a result of the threshold value processing, it is determined that the similarity between the identification feature amount vector FV_A1 and the matching feature amount vector FV_A is high, and the authentication unit 305 authenticates the person in front of the ATM 20-1 and the matching feature amount. The person is identified as Mr. A based on the vector FV_A. The authentication unit 305 notifies the transaction processing unit 304 of an “authentication success notification” including information indicating that the person in front of the person (Mr. A) has been successfully authenticated and the transaction information previously input by Mr. A.

[Database]
Next, the database 31 included in the accounting system 30 will be described. The database 31 is a database that plays a role of a ledger for depositor accounts. The database 31 manages the depositor's account number, balance, and the like. In the database 31 according to the first embodiment, the face images of each depositor are registered in addition to the information managed by the existing ledger (see FIG. 10).

Note that the depositor who uses the bank system according to the first embodiment requests the bank to visit a bank with which it has transactions and register a face image in its own account before receiving the service provided by the system. The bank confirms the identity of the client and then registers the face image of the client as digital data (registers a face image file).

The accounting system 30 responds to the ATM 20 with a face image (face image file) associated with the designated account in response to the request from the ATM 20. When receiving a transaction processing request (for example, a deposit/withdrawal request) from the ATM 20, the accounting system 30 updates the balance of the corresponding account in the database 31.

[Bank system operation]
Next, the operation of the bank system according to the first embodiment will be described with reference to FIG.

As described above, the depositor who wants to enjoy the service provided by the bank system according to the first embodiment registers his/her face image in the bank with which the transaction is made in advance. Alternatively, the depositor may use the terminal 10 to register the face image in the bank (register in the database 31). That is, when the terminal 10 is a smartphone or the like, an application for face image registration may be installed and the application may register the face image in the database 31.

Further, the depositor installs an application for inputting transaction information and an application for executing face authentication in advance on the terminal 10 before using the bank system. That is, the transaction processing unit 304 and the authentication unit 305 shown in FIG. 7 are made available (operable).

The terminal 10 inputs transaction information by the depositor (user) (step S101).

After that, when the terminal 10 moves to a range where short-distance wireless communication is possible with the ATM 20, the terminal 10 transmits the transaction information input in step S101 to the ATM 20 and sets the information. (Step S102). Specifically, when the terminal 10 receives a Bluetooth standard beacon signal from the ATM 20, the terminal 10 sets the transaction information input in advance in the ATM 20.

The ATM 20 that has acquired the transaction information inquires of the accounting system 30 about the validity of the transaction information (validity of the personal identification number) (step S103). If the bank system adopts a method other than the personal authentication using a personal identification number (so-called password), the accounting system 30 verifies the content conforming to the method. For example, when the bank described in the transaction information entered in advance supports high security FIDO (Fast IDentity Online), liquid, etc. as network authentication, the personal authentication by the method is performed by the account system 30. Will be carried out in.

In FIG. 11, it is assumed that the transaction information is determined to be valid. After that, the ATM 20 acquires the face image associated with the account described in the transaction information whose validity is confirmed from the database 31 of the accounting system 30 (step S104). The acquired face image is stored in the storage unit 303 in association with the transaction information set in advance.

After that, the person who inputs the transaction information in step S101 moves to the front of the ATM 20. When a person moves to the front of the ATM 20, the ATM 20 performs face authentication of the person.

As a result of the face authentication, if the person is authenticated (step S105, Yes branch), the processing from step S106 is executed.

As a result of the authentication, when the authentication of the person fails (step S105, No branch), the ATM 20 ends the process. However, to be more precise, the ATM 20 repeats the processing after step S101 and the processing relating to the face authentication of the person in front (step S105).

Alternatively, when the face authentication fails, the ATM 20 may transmit to the terminal 10 that the information input in advance has an error. In this case, the user of the terminal 10 may set the information in the ATM 20 again after correcting the information (for example, account number or personal identification number) input in advance. In this case, the processing from step S101 is repeated. Alternatively, the ATM 20 may be directly operated to correct the transaction information. In this case, the processing from step S103 is repeated. Furthermore, if the transaction information entered by the person in front of the person is incorrect and the incorrect transaction information is entered multiple times, the ATM 20 may terminate the transaction with the person.

When the face authentication is successful, the ATM 20 executes the transaction type (deposit, withdrawal, transfer, etc.) described in the transaction information (step S106). For example, if the transaction type is withdrawal, cash can be received from the ATM 20. It should be noted that before the cash can be actually taken out from the ATM 20, the person in front of the person may be requested to perform an operation relating to final confirmation. Specifically, the ATM 20 displays the amount of money related to deposit and withdrawal, and asks the person in front to confirm that the displayed contents are correct, and if there is no error, presses a predetermined button, etc. May be requested.

Further, the ATM 20 requests the accounting system 30 to process the transaction (step S107) and sends the electronic receipt to the terminal 10 (step S108).

Further, when the transaction with the person in front of the person is normally completed, the ATM 20 preferably deletes the information regarding the person with whom the transaction is normally completed from the face image and the transaction information stored in the storage unit 303. ..

As described above, in the bank system according to the first embodiment, some or all of the information input by the operation performed at the ATM is input to the ATM 20 in advance. When a person whose transaction information is set in advance appears in front of the ATM 20, the person is authenticated (biometric authentication; face authentication, for example). As a result, the number of operations performed by the user of the ATM 20 on the ATM 20 is significantly reduced. Further, in the bank system according to the first embodiment, the transaction is executed (for example, cash is withdrawn) after confirming that the user is in front of the ATM 20. That is, in addition to the original identification using the personal identification number and the like, by combining other authentication methods, the reliability of transactions in the ATM 20 is improved.

Further, in the bank system according to the first embodiment, two-step personal authentication is performed, that is, the first authentication by the accounting system 30 using a personal identification number and the like, and the biometric authentication (second authentication) by the ATM 20. Regarding the first authentication, since the personal identification of the depositor is executed by the personal identification number preliminarily input by the depositor, the depositor's operation while visually recognizing the screen of the ATM 20 is significantly reduced (or completely). Disappear). Regarding the second authentication, the depositor only moves to the front of the ATM 20, and no special operation is necessary. In this way, when the depositor pre-enters the necessary information and moves to the front of the ATM 20, the depositor is automatically authenticated (face authentication) without taking any action, and the transaction (for example, withdrawal) is performed. Is completed. Note that executing a transaction at the time when the transaction information is set in the ATM 20 from the terminal 10 (when the terminal 10 reaches a predetermined range of the ATM 20) can be considered as one measure. However, in such a case, even if the distance between the depositor (terminal 10) and the ATM 20 is considerably large (specifically, approximately 5 m), cash can be taken out from the ATM 20. Is assumed, and security problems may occur.

Furthermore, in the ATM 20 according to the first embodiment, a transaction is not executed unless a person is actually present in front of the ATM 20. As a result, cash is not ready to be taken out even though no one is actually present.

In addition, regarding the input of the personal identification number at the ATM, there are many users who are concerned that the input of the information may be stolen by a third party. However, in the bank system according to the first embodiment, it is possible to input the personal identification number and the like at a place where no other person is present (for example, at home), and the above-mentioned concern (spy by a third party). Can be wiped out. In addition, since the communication between the terminal 10 and the ATM 20 is encrypted, a measure against information leakage is also taken from this point.

The short-distance wireless communication assumed in the first embodiment is a means installed in many terminals such as Bluetooth and Wi-Fi. Therefore, many people can enjoy the service provided by the bank system shown in FIG. 2 by installing the application in a commercially available terminal. In this respect, for example, it is conceivable to use NFC (Near Field Communication) as the communication means instead of Bluetooth or the like, but there are many terminals that do not support NFC, and the bank system shown in FIG. The terminals that can enjoy the service are limited. That is, the versatility of the system is reduced. Further, when using NFC, it is necessary for the user to hold the terminal over the ATM, and the operation time of the ATM is wasted.

Further, in the bank system according to the first embodiment, the face image on the collation side in the face authentication in the ATM 20 is limited to the face image corresponding to the transaction information preset in the ATM 20. That is, not all the face images registered in the database 31 are face images on the matching side, but the face images specified by the transaction information are targeted. Therefore, the cost of the authentication process in ATM20 can be suppressed. Also, since the face image limited by the transaction information is the target for matching, it is expected that there will be a large difference between the similarity of the original image and the similarity of the other person's image, and the threshold for similarity determination is set high. Even without it, sufficiently good authentication accuracy (low rejection rate and acceptance rate of others) can be expected.

As described above, in the bank system according to the first embodiment, the ATM operation time per person can be reduced by omitting the ATM operation. Further, the user does not operate (or significantly reduces) the ATM 20, and the convenience of the user is improved. Furthermore, the reduction of ATM usage time is expected to reduce the loss of transaction opportunities at banks and the like.

[Modification]
The configuration of the bank system described in the above embodiment is an example, and does not limit the configuration of the system. For example, all or some of the functions of the transaction processing unit 304 and the authentication unit 305 of the ATM 20 may be incorporated in the accounting system 30.

In the above embodiment, the case where the transaction information is set directly from the terminal 10 to the ATM 20 has been described, but the transaction information may be set to the ATM 20 via a server or the like. For example, when the depositor inputs transaction information to the terminal 10, the depositor also inputs to the terminal 10 information designating the ATM 20 with which the transaction is desired (position information of the ATM 20 and the like). After that, the terminal 10 transmits the transaction information to the management server. The management server may set the transaction information in the ATM 20 based on the ATM 20 information (position information of the ATM 20) included in the transaction information.

In the above embodiment, it is assumed that the ATMs 20 are separated from each other. However, it is also conceivable that a plurality of ATMs 20 are close to each other because they are installed in the same store or the like. In such a case, a plurality of ATMs 20 may operate in cooperation. For example, when a certain ATM 20 acquires transaction information, the transaction information may be transmitted to the adjacent ATM 20 to ensure the sharing of transaction information within the same store. Due to such correspondence, when many ATMs 20 exist and a long queue is formed, transaction information is set in a specific ATM 20 but transaction information is not set in another ATM 20. The situation can be avoided. When such a situation occurs, the other ATM 20 shortens the interval between the process relating to the inquiry to the accounting system 30 (validity confirmation of transaction information and acquisition of a face image) and the authentication process for the person in front of the person, which results in smooth operation. Transactions may be hindered.

Further, as a cooperative operation by a plurality of ATMs 20, when the transaction with the depositor is normally completed, it is possible to notify other ATMs 20 to that effect. In this case, the other ATM 20 can safely delete the transaction information and the face image stored in the storage unit 303. As a result, the resources of the ATM 20 are effectively used.

When a plurality of ATMs 20 are installed in the same store or the like, a server or the like that controls the plurality of ATMs 20 may be arranged. Specifically, the processing of each ATM 20 may be reduced by the server responsible for transaction information processing and authentication work. In this case, a camera or a human sensor may be attached to each ATM 20, and the existing ATM can be effectively used.

In the above embodiment, the ATM 20 requests the account system 30 to validate the transaction information, and the account system 30 verifies the validity of the account number and the personal identification number. However, the verification by the accounting system 30 is not limited to the above contents, and for example, it may be verified whether the transaction type described in the transaction information is truly executable. For example, when the transaction type is “withdrawal”, the balance of the account is also checked at the same time, and when the balance is insufficient, the validity of the transaction information may be denied.

In the above embodiment, the face authentication was mainly described as the biometric authentication performed by the ATM 20, but other authentication methods may be used. For example, biometric authentication using a fingerprint, a voiceprint, a vein, an iris of the pupil, or the like may be used. Further, the biometric authentication performed by the ATM 20 is not limited to a single authentication and may be a combination of a plurality of authentications. For example, a combination of face authentication and fingerprint authentication may be used.

In addition, the authentication method may be changed depending on the transaction type, or the threshold value (criterion) for similarity determination used for authentication determination may be changed. For example, in the case of the transaction type relating to withdrawal, it is conceivable to request two of face authentication and fingerprint authentication, and in the case of the transaction type relating to deposit, request either one. Regarding the similarity determination, similarly, it is possible to make a strict determination at the time of withdrawal and loosen the determination at the time of deposit.

In the above embodiment, the use of Bluetooth as the short-range wireless communication is mainly described, but the wireless communication may be WiFi or the like. Further, the ATM 20 may support a plurality of short-distance wireless communication. For example, if the ATM 20 supports Bluetooth and WiFi, the terminal 10 may select any one of the communication methods and set the transaction information.

Although the face image file is registered in the database 31 in the above embodiment, a feature amount vector (matching feature amount vector) may be registered in the database 31 instead of the face image file. In this case, it can be expected that the capacity required for constructing the database 31 will be reduced.

The whole or part of the exemplary embodiments disclosed above can be described as, but not limited to, the following supplementary notes.
[Appendix 1]
This is as in the system according to the first aspect described above.
[Appendix 2]
The terminal and the automatic teller machine are capable of mutual communication by short-range wireless communication,
The terminal is
Note 1 that the transaction information by the input operation is stored inside and the transaction information stored inside is set in the automatic teller machine when mutual communication with the automatic teller machine becomes possible. System of.
[Appendix 3]
The automatic teller machine is
When the transaction information is set from the terminal, an accounting system that processes transactions relating to an account of a financial institution inquires about the validity of the set transaction information,
The system according to appendix 2, wherein when the inquired transaction information is valid, a person existing in front of the own device is authenticated.
[Appendix 4]
The automatic teller machine is
The system according to attachment 3, which authenticates a person in front of the device by biometric authentication.
[Appendix 5]
The automatic teller machine is
The system according to appendix 4, wherein when the transaction information is set from the terminal, the information used for the biometric authentication is acquired from the accounting system.
[Appendix 6]
The automatic teller machine is equipped with a motion sensor,
The system according to appendix 4 or 5, wherein when the human sensor determines that a person is present in front of the device, biometric authentication is performed on the person present in front of the device.
[Appendix 7]
7. The system according to any one of appendices 4 to 6, wherein the biometric authentication is face authentication.
[Appendix 8]
8. The system according to any one of appendices 2 to 7, wherein the short-range wireless communication is Bluetooth (registered trademark) or WiFi (Wireless Fidelity).
[Appendix 9]
This is the same as the cash deposit and payment method according to the second aspect described above.
[Appendix 10]
The program is according to the third aspect described above.
Note that the forms of Supplementary Note 9 and the form of Supplementary Note 10 can be expanded to the form of Supplementary Note 2 to the form of Supplementary Note 8 as in the form of Supplementary Note 1.

The disclosures of the above cited patent documents are incorporated herein by reference. Modifications and adjustments of the exemplary embodiments and examples are possible within the scope of the overall disclosure (including the claims) of the present invention and based on the basic technical concept of the invention. Further, various combinations of various disclosed elements (including each element of each claim, each element of each embodiment or example, each element of each drawing, and the like) or selection within the framework of the entire disclosure of the present invention Is possible. That is, it goes without saying that the present invention includes various variations and modifications that can be made by those skilled in the art according to the entire disclosure including the claims and the technical idea. In particular, with regard to the numerical range described in this specification, any numerical value or small range included in the range should be construed as specifically described even if not otherwise specified.

10, 10-1 to 10-n, 100 Terminals 11 and 21 CPU (Central Processing Unit)
12, 22 Memory 13, 23 Input/output module 14, 24 Wireless module 20, 20-1 to 20-m ATM (Automatic Teller Machine)
25 Human sensor 26 Camera module 27 Deposit/withdrawal mechanism 28 NIC (Network Interface Card)
30 Account system 31 Database 101 Automatic teller machine 201, 302 Wireless communication control unit 202, 303 Storage unit 203 Transaction information processing unit 301 Communication control unit 304 Transaction processing unit 305 Authentication unit

Claims (10)

A terminal,
With an automatic teller machine,
An accounting system that performs first and second authentication when executing transactions,
Including,
The terminal has first authentication data regarding transactions, accepts an input operation of transaction information regarding accounts of financial institutions, sets the transaction information including the first authentication data in the automatic teller machine,
The automatic teller machine inquires of an accounting system as to whether the transaction information including the set first authentication data is valid, and when it is determined that the transaction information is valid, a front of the own device. Inquires to the accounting system about the second authentication regarding whether or not the person existing in the account is a person who can use the account of the set transaction information, and, if the second authentication is valid, responds to the set transaction information. A system that performs different processing. The terminal and the automatic teller machine are capable of mutual communication by short-range wireless communication,
The terminal is
Transaction information by the input operation is stored inside, and when mutual communication with the automatic teller machine becomes possible, the transaction information stored inside is set to the automatic teller machine. 1 system. The automatic teller machine is
When the transaction information is set from the terminal, an accounting system that processes transactions relating to an account of a financial institution inquires about the validity of the set transaction information,
The system according to claim 2, wherein when the inquired transaction information is valid, a person existing in front of the own device is authenticated. The automatic teller machine is
The system according to claim 3, wherein the person existing in front of the own device is authenticated by biometric authentication. The automatic teller machine is
The system according to claim 4, wherein when the transaction information is set from the terminal, the information used for the biometric authentication is acquired from the accounting system. The automatic teller machine is equipped with a motion sensor,
The system according to claim 4, wherein when the human sensor determines that a person is present in front of the own apparatus, biometric authentication of the person present in front of the own apparatus is performed. The system according to claim 4, wherein the biometric authentication is face authentication. The system according to claim 2, wherein the short-range wireless communication is Bluetooth (registered trademark) or WiFi (Wireless Fidelity). A terminal,
An accounting system that performs first and second authentication when executing transactions,
With an automatic teller machine,
In a system that includes
The terminal accepts an input operation of transaction information regarding an account of a financial institution by using the first authentication data regarding the transaction held in the terminal, and transfers the transaction information including the first authentication data to the automatic teller machine. The steps to set
The automatic teller machine inquires of the accounting system whether the transaction information including the set first authentication data is valid, and when it is determined that the transaction information is valid, the front of the own device. Inquires to the accounting system about the second authentication regarding whether or not the person existing in the account is a person who can use the account of the set transaction information, and, if the second authentication is valid, responds to the set transaction information. The steps to perform
Cash deposit methods including. It is a program to be executed by a computer for controlling an automatic teller machine , which is used in a system including a terminal, an automatic teller machine, and an accounting system that performs first authentication and second authentication when executing a transaction. hand,
A process for accepting the transmission of the input data of the transaction information regarding the account of the financial institution, together with the first authentication data regarding the transaction within the terminal, which is set in the terminal
If the transaction information including the received first authentication data is valid, the billing system is inquired , and if it is determined that the transaction information is valid, further, the person in front of the own device performs the transaction. A program for inquiring the account system about the second authentication regarding whether or not the person who can use the information account, and executing the process of setting the transaction information in the automatic teller machine when the second authentication is valid. ..

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