JP7188002B2 - Biometric transaction method and ATM system - Google Patents

Description

TECHNICAL FIELD The present invention relates to a technique for verifying the identity of an ATM user when performing a transaction using a cash teller machine (hereinafter also referred to as an ATM (Automatic Teller Machine)) at a financial institution or the like. Specifically, a biometric information transaction method that enables personal authentication using biometric information even for issued cash cards that do not have biometric information registered, and an ATM that uses this biometric information transaction method. Regarding the system.

There are mainly two types of cash cards used in ATMs: a magnetic card with only a magnetic stripe and an IC cash card with a built-in IC chip (hereinafter also referred to as an IC card). In the case of a magnetic card, a method of inputting a personal identification number is used as a personal identification method at the time of transaction at an ATM (personal identification number transaction). On the other hand, in the case of an IC cash card, biometric information such as fingerprints and veins is registered in the IC chip in advance, and the biometric information in the IC chip and the biometric information of the operator obtained by the ATM are combined when the ATM is operated. Personal identification is performed by collation (biometric information trading).

Since the magnetic card has a longer history than the magnetic card and the IC card, a huge number of magnetic cards have been issued and circulated in the world. In addition, the cash card has no expiration date and cannot be reissued. For this reason, many magnetic cards are on the market, and all ATM transactions are PIN number transactions.

When a third party acquires the personal identification number in a magnetic card personal identification number transaction at an ATM, cash transactions can be easily carried out by anyone other than the person himself/herself. In addition, since magnetic cards can easily be used for fraudulent activities such as skimming, there is a problem that forgery and falsification are easy.

In order to solve these problems, an IC cash card (hereinafter also referred to as an IC card) having an IC chip embedded therein has been used. In the IC cash card, personal information and biometric information are written in the IC chip, and personal authentication is performed by verifying the person when making a transaction at an ATM.

Since the information written in the IC chip is encrypted, it cannot be easily analyzed, making forgery and falsification difficult. In addition, since biometric information is also collated for personal authentication at the time of ATM transaction, unauthorized use by a third party is impossible, making it a highly secure method. For some reason, there is a situation where biometric information transactions using IC cash cards are not widespread.

(Factors impeding the spread of biometric information trading)
(1) There is a fee for switching from a magnetic card to an IC cash card.
Since the price of the IC card itself is high, switching from the existing magnetic card to the IC card is often charged. For that reason, the switch is not progressing. In order to prevent fraudulent use, counterfeiting, and falsification, financial institutions may switch to biometric information trading free of charge through campaigns and the like. However, it is difficult for financial institutions with no financial leeway to deal with it, and the nationwide spread is not progressing.
(2) Issues of Burden on Users An increasing number of financial institutions are abolishing magnetic cards and issuing new IC cards only. Therefore, the IC card rate of newly issued cash cards will tend to increase in the future. However, in order to carry out biometric information transactions, IC card issuance,
It is necessary to write biometric information into an IC chip. Therefore, after receiving the IC card, the user must go to the window of the financial institution and register the biometric information. However, in many cases, users cannot visit the financial institution during its business hours, and even if they visit the financial institution at their convenience, the window is crowded and they cannot respond immediately. Therefore, it is very time-consuming and troublesome for the user, and this is one of the reasons why biometric information registration has not progressed. Therefore, the cash card is an IC card, but in many cases the PIN number transaction is the same as before. This is the same when conducting free campaigns, and the need to visit financial institutions is a major factor preventing the switch to biometric information trading.
(3) Problem of low reading accuracy of user's biometric information Biometric information handled by IC cash cards includes fingerprints and veins. In the case of fingerprints, there is a possibility that reading accuracy may be degraded due to scratches or stains on the finger. In veins, blood vessels contract due to cold or warm outside air temperature, which may reduce reading accuracy.
Due to these factors, reading errors may occur during ATM transactions, and smooth transactions may not be possible, which may result in user dissatisfaction. For these reasons, many people do not use biometric authentication even though they have an IC card.

As explained above, there are a huge number of magnetic cards issued by financial institutions, and since all of them are personal identification number transactions, security is low. Therefore, there is no end to the illegal use of cash cards. It is necessary to promote the transition to cash cards that enable biometric information transactions with high security. This has become an obstacle, and although the switch to IC cards is progressing, the use of biometric information trading is not progressing.

As a technology that enables biometric information transactions without going to the window of a financial institution and registering biometric information such as a face, for example, Patent Document 1 discloses a technique using a pre-registered facial photograph and a camera provided in an ATM. Techniques for authenticating a person by matching photographed facial photographs have been disclosed.

Specifically, it is a cash transaction system comprising a terminal device (ATM) and a host computer to which the terminal device is connected via a network.

The terminal device of this cash transaction system includes an imaging section for taking a photograph of the user's face, an operation section, and a control section for communicating information such as the photograph of the user's face with a host computer.

Also, the host computer of this cash transaction system is
The number of times the user's face photo read from the user's ID card and the user's face photo taken by the imaging unit are matched in advance, the matching rate between the captured face photo and the ID card at the time of this transaction, and the matching rate a transaction history storage unit that associates and stores the cumulative matching rate obtained by multiplying the matching rate with the matching rate at the time of the previous transaction and the time of each transaction;
a personal verification unit that, when receiving a user's face photo from a terminal system, compares the ID face photo with the user's face photo to calculate a matching rate, and calculates a cumulative matching rate;
If the cumulative verification rate calculated by the identity verification unit is equal to or higher than the limit verification rate, which indicates whether or not the person is the original, the number of verifications is counted up, and the counted up number of verifications is calculated at the time of the current transaction. The verification rate obtained and the cumulative verification rate are stored in the transaction history storage unit, and the number of verifications exceeds the prescribed number of verifications, which is the number of times that the person is considered to be the person when the cumulative number of verifications is continuously equal to or greater than the limit verification rate. In this case, the number of matching times is set to the value at the time of the first transaction, and the cumulative matching rate at the time of this transaction is stored in the transaction history storage unit in association with the number of matching times of the same value as at the time of the first transaction. and a permission determination unit for permitting execution of the transaction.

With this system, it is possible to issue an IC cash card without having to verify the identity of an operator, which is conventionally required, and to use the issued IC cash card to conduct cash transactions based on biometric information transactions.

However, although this cash transaction system can be applied to newly issued cards, there is a problem that it cannot be applied to cash cards that have already been issued. Therefore, it is not possible to make biometric information transactions possible with magnetic cash cards that are sold in huge numbers.

Japanese Patent No. 5147426

In view of the above circumstances, it is an object of the present invention to provide an ATM system that enables biometric information transactions using an issued cash card that is incapable of biometric information transactions, and a biometric information transaction method in the ATM system. Make it an issue.

As a means for solving the above-mentioned problems, the invention according to claim 1 of the present invention enables biometric information transactions at an ATM connected to a host computer even if the user uses a cash card that allows only PIN number transactions. A method of biometric trading comprising:
a step in which the user inserts the cash card into the ATM to read information on the cash card;
When the user's facial information is registered in the host computer, the facial information is acquired by photographing the user's face with the camera installed in the ATM, and the facial information is registered in the host computer. Proceeding to the step of verifying the identity by matching the face information, continuing the transaction if the identity is authenticated, and canceling the transaction if the identity is not authenticated,
If the user's facial information is not registered in the host computer, a step of reading the facial photograph and text information of the user's personal identification card with a scanner provided in the ATM, and scanning the user's face with the ATM camera. Through the step of acquiring face information by taking a photograph, the face information acquired from the face photograph of the identity verification card is compared with the face information acquired by the camera , and the character information of the identity verification card and the customer stored in the host computer If the person is authenticated, the face information acquired by the camera is registered in the host computer and the transaction is continued, and if the person is not authenticated A biometric information transaction method characterized in that the transaction is terminated if the

Further, the invention according to claim 2 is an ATM system characterized by comprising a program for carrying out the biometric information transaction method according to claim 1.

According to the biometric information transaction method of the present invention, even when a user uses a cash card for the first time in an ATM of a financial institution and the face information is not registered in the host computer, A camera installed in the system takes a picture of the user's face and acquires facial information, and a scanner reads the face photo and text information of identification cards such as personal number cards and driver's licenses, and from that information, It is possible to verify a person's identity by comparing the face information of the face photograph acquired by the camera, the face information of the face photograph of the identity verification card, the character information of the identity verification card, and the customer information stored in the host computer. It is possible. Therefore, biometric information trading becomes possible. From the second time onwards, it is possible to determine whether the person is the person or not by comparing the face information of the face photograph acquired by the camera each time with the face information registered in the host computer. becomes possible.

Since the above can be carried out using the functions provided in the existing ATM of the financial institution, it can be carried out without imposing a special burden on the user or the financial institution.

Also, in the ATM system of the present invention, face information is used as biometric information. In recent years, since face recognition technology has made rapid progress, authentication errors are less likely to occur than in biometric authentication using fingerprints or veins. Therefore, it is possible to make the user feel less stressed.

FIG. 2 is a flow chart explaining an example of a biometric information transaction method in the ATM system of the present invention; Explanatory drawing which illustrates the functional structure of the ATM system of this invention.

<Method of biometric information trading>
The biometric information transaction method of the present invention is a biometric information transaction method that enables biometric information transactions at an ATM connected to a host computer even if a user uses a cash card that allows only PIN number transactions.

The system is started by the user touching a predetermined portion displayed on the touch panel of the ATM or the like, and has a step in which the user inserts the cash card into the predetermined portion of the ATM to read the information of the cash card.

When the user's facial information is registered in the host computer, the facial information is acquired by photographing the user's face with the camera installed in the ATM, and the facial information is registered in the host computer. The process advances to a step of authenticating the person by collating the face information, and has a step of continuing the transaction when the person is authenticated and a step of canceling the transaction when the person is not authenticated.

In addition, if the user's facial information is not registered in the host computer, a step of reading the facial photograph and text information of the user's identification card with a scanner provided in the ATM, and After the step of acquiring face information by photographing the face, the face information acquired from the face photo of the identity verification card is compared with the face information acquired by the camera to proceed to the step of authenticating the person, and the person is authenticated. It is characterized by having a step of registering the face information acquired by the camera in the host computer and then continuing the transaction if the person is authenticated, and a step of canceling the transaction if the person is not authenticated. Personal identification is performed by collating the character information of the personal identification card with the character information for identifying the user registered in the host computer.

Next, a more detailed description will be given with reference to the flow diagram illustrating the biometric information transaction method of the present invention illustrated in FIG. 1 and the block diagram of the ATM system of the present invention illustrated in FIG.

The biometric information transaction method of the present invention is a method that enables biometric information transactions even with a cash card that allows only personal identification number transactions, and includes steps 1 (S1) to 16 (S16). is described below as an example, but is not meant to be limited to this number of steps. The number of steps may be increased or decreased as long as it does not deviate from the work flow.

In the biometric information transaction method of the present invention, first, the ATM user touches a predetermined menu displayed on the touch panel of the ATM to start the transaction (S1); After the display is displayed, the user inserts the cash card into the card information reading unit of the ATM (S2), reads the information on the cash card (S3), and checks whether the user's face information is registered. and a step (S4) of confirming with the host computer whether. In S4, first, an inquiry is made from the external communication unit of the ATM to the host computer of the financial institution to confirm whether or not the face information is registered, and the result is returned to the ATM.

If the face information is registered in the host computer, a step (S5) of photographing the user's face with a camera to acquire the face information, and combining the acquired face information with the face information stored in the host computer , and then proceeds to determination step A (S7) for determining whether or not the person is the person himself/herself.

If face information is not registered in the host computer, a step (S10) of reading the face photograph and character information of the user's personal identification card with a scanner and confirming whether or not the personal identification card is genuine. step (S11), a step (S12) of photographing the user's face with a camera to acquire face information, and matching the acquired face information with the photograph of the face on the identity verification card in the face authentication unit, and the customer information stored in the host computer (S13), the process advances to a judgment step B (S14) for judging whether or not the customer is the person himself/herself.

In determination step A, if the user is determined to be the person in question, the transaction is continued (S8), and if the user is not determined to be the person in question, the transaction is canceled (S9).

If it is determined that the user is the person himself/herself in determination step B (S14), the process goes to step (S15) of registering face information acquired by the camera in the host computer, and then to step (S16) of continuing the transaction. If the user is not determined to be the person himself/herself, the process proceeds to step (S17) of canceling the transaction.

Through the steps S1 to S17 described above, it is possible to perform biometric information transactions even with a cash card that allows only personal identification number transactions.

In S10, the face photo of the personal identification card is read, but if the face photo is scratched or dirty, it may not be possible to read the face photo normally. In such a case, an operator checks the face of the user through separate confirmation at the counter or through the ATM to confirm that the user is genuine.

In the case of a newly issued magnetic card, face information is registered when opening an account. In this case, after the person's identity has been confirmed by a staff member of the financial institution, it is sufficient to register the face information of the face photograph taken by the camera installed at the window.

<ATM system>
Next, the ATM system of the present invention will be explained using FIG.
The ATM system of the present invention is an ATM system comprising an ATM and a host computer communicably connected to the ATM. Although FIG. 2 shows an example of one ATM and one host computer, usually a plurality of ATMs are provided. The communication line connecting the host computer and the ATM may be a dedicated communication line or an Internet line.

The ATM has an input unit for users to input information, a card information reading unit for reading cash card information, a transaction execution unit for executing cash deposits and payments, and a user's face photographed and photographed face information. an external communication unit that communicates with a host computer via a communication line; an input unit, a card information reading unit, a transaction execution unit, a face authentication unit, and an external communication unit. and a main control unit that controls the operation of

The host computer has a customer management database that stores at least customer information and customer face information.

The input unit is equipped with a touch panel for users to input information as needed, a camera that captures the user's face and obtains facial information, and a scanner that obtains the face photo and character information of the identification card. ing.

(touch panel)
The touch panel referred to here refers to a display device having a touch panel function that enables input by touching a display portion displayed on a display screen such as a liquid crystal display device with a finger. It is not necessarily limited to liquid crystal display devices, and displays capable of displaying characters, figures, patterns, etc. such as organic EL display devices, inorganic EL display devices, CRT (Cathode Ray Tube), electrophoretic display devices, and electrochromic display devices. Any display device having a touch panel function on the display screen of the device may be used.

(camera)
As the camera, any photographing device capable of photographing the face of the ATM user may be used. If the brightness required for photographing cannot be obtained, a lighting device or a flash that provides sufficient brightness for photographing the user's face may be provided. The photographing device may be a still camera, or a device capable of photographing moving images such as a video camera.

(scanner)
Any scanner can be used as long as it can mainly read the face photo and text information on the personal identification card. A line sensor, which is an optical reading device, or an area sensor may be used.

(card information reader)
The card information reading unit has a function of reading information recorded on the cash card by inserting the cash card. It has the ability to read character information recorded on the surface of cash cards and electronic information recorded on magnetic tapes and IC chips. When the cash card is a magnetic card, it is provided with reading means using a magnetic head or the like for reading information recorded on the magnetic tape. If the cash card is an IC card, it is usually provided with a contact IC module, so it is provided with reading means for the contact IC module. In addition, the card information reading unit has a mechanism for automatically sucking in the cash card when the cash card is inserted halfway, and a mechanism for automatically ejecting the cash card halfway after reading the information. there is

(Face recognition part)
The face recognition unit uses the ATM camera to photograph the user's face to obtain a face image, and the scanner to read the personal identification card such as an individual number card, driver's license, or passport, and then sends the face photo to the host computer. It is determined whether or not the person is the person himself/herself by collating with the face information registered in the customer management DB (database). The method of collating the face photograph acquired by the scanner with the face information stored in the host computer is not particularly limited, but the feature points of each face are extracted from the face photograph and the face information, and the two are compared. Face authentication can be performed by performing collation depending on circumstances. This function may be provided in the main controller. Also, the face recognition method need not be limited to this, and a face recognition technology, which has made remarkable progress in recent years, may be applied.

(external communication section)
The external communication section is an interface circuit that enables the main control section of the ATM system to communicate with the host computer.

(Trade execution department)
A transaction execution unit is a device that permits a transaction when the ATM system determines that the user is a bona fide user and submits the cash requested by the user so that the user can take it out. Conversely, when the user puts cash into the transaction execution unit, the amount of the cash can be counted and taken into the ATM.

(main controller)
The main control section is a device that controls at least the operations of the input section, the card information reading section, the transaction execution section, the face authentication section, and the external communication section. A computer device can be preferably used.
For example, when the user touches a predetermined portion of the menu displayed on the touch panel of the ATM system, the operation of the ATM is started, and a series of subsequent operations, that is, a program for executing the biometric information transaction method of the present invention. It has a main controller.

(Customer management database (DB))
The customer management database uses part of the storage area of the host computer to store customer information and face information of cash card users. The ATM main controller accesses the customer management database of the host computer and reads necessary information. Conversely, necessary information is stored or registered.

The ATM system described above is equivalent to a conventional ATM system consisting of an ATM and a host computer. A program is installed that enables This enables the ATM system of the present invention to implement the biometric information transaction method of the present invention.

It should be noted that the information regarding the feature points of the face handled by the face authentication section of the ATM system of the present invention is encrypted. Therefore, even if the information on the feature points of the face is leaked, the face cannot be specified just by looking at it. Moreover, since the information about the feature points of the face is irreversible information, it is impossible to restore the face from the information.

Claims (2)

A biometric information transaction method that enables biometric information transactions even using a cash card at an ATM connected to a host computer,
a step in which the user inserts the cash card into the ATM to read information on the cash card;
When the user's facial information is registered in the host computer, the facial information is acquired by photographing the user's face with the camera installed in the ATM, and the facial information is registered in the host computer. Proceeding to the step of verifying the identity by matching the face information, continuing the transaction if the identity is authenticated, and canceling the transaction if the identity is not authenticated,
If the user's facial information is not registered in the host computer, a step of reading the facial photograph and text information of the user's personal identification card with a scanner provided in the ATM, and scanning the user's face with the ATM camera. Through the step of acquiring face information by taking a photograph, the face information acquired from the face photograph of the identity verification card is compared with the face information acquired by the camera , and the character information of the identity verification card and the customer stored in the host computer If the person is authenticated, the face information acquired by the camera is registered in the host computer and the transaction is continued, and if the person is not authenticated A method of biometric information trading, characterized in that the transaction is terminated if the An ATM system comprising a program for implementing the biometric information transaction method according to claim 1.

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