JPH04310180A - Transaction processing system for banking online system - Google Patents

Abstract

PURPOSE:To provide the banking online system which can easily and safely utilize an automatic tellers machine (ATM). CONSTITUTION:An ATM 8 is composed of a fingerprint reading mechanism 1 to read the image of an inputted fingerprint, transaction information fetching mechanism 3 to fetch transaction information and telegraphic message transmitting mechanism 2 to transmit telegraphic information composed of the image information of this fingerprint and the transaction information. A host system 9 collates the image information of the fingerprint in the telegraphic message information with the image information of a fingerprint in a master file 6 for collation by a fingerprint collating mechanism 4, takes out personal data corresponding to the fingerprint information, which shows coincidence in this collation, from this master file 6 for collation and transmits the information through a telegraphic message editing mechanism 5 to a work online system 7 together with the transaction information in the telegraphic message information. Based on this information, the work online system 7 executes transaction work.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method in an online banking system, and more particularly to a transaction processing method using fingerprint information.

0002

[Prior Art] In the conventional banking online system, automatic tellers (ATM)
When conducting a transaction from achine, a magnetic card (ID card) must be used to confirm the identity of the person in question, and the transaction must be initiated by entering a personal identification number set by the individual for security.

0003

[Problems to be Solved by the Invention] The above-described conventional transaction processing system has the disadvantage that the user must always have a magnetic card in his/her possession and must also memorize his/her personal identification number.

[0004]Also, some magnetic cards have a built-in personal identification number, but they also have the disadvantage that if such a card falls into the hands of a malicious person, it can easily lead to a crime.

[0005] An object of the present invention is to overcome the above-mentioned drawbacks and provide a banking online system that allows ATMs to be used easily and safely.

[0006]

[Means for Solving the Problems] The first invention is a transaction processing method in a banking online system, which includes:
An ATM (automatic ATM) includes a fingerprint reading mechanism that reads an input fingerprint image, a transaction information capture mechanism that captures transaction information, and a message transmission mechanism that transmits message information consisting of the fingerprint image information and the transaction information.
a fingerprint matching mechanism that matches the image information of the fingerprint in the telegram information with the image information of the fingerprint in a verification master file provided in advance, and personal data corresponding to the fingerprint information that matches in the verification. The host system includes a business processing mechanism that extracts the transaction information from the verification master file and performs transaction processing using the transaction information in the message information.

[0007]

Embodiments Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention.

The transaction processing method in the banking online system of this embodiment is as shown in FIG.
The individual's fingerprint image read by the fingerprint reading mechanism 1 in the computer and transaction information such as the type of transaction and the amount received from the transaction information acquisition mechanism 3 are sent to the host computer 9 by the message transmission mechanism 2.

[0010] The fingerprint image of the electronic message sent to the host computer 9 is compared with the fingerprint data in the verification master file 6 by the fingerprint verification mechanism 4 to confirm the identity of the person. At this time, the response can be improved by making it possible to search from the first letter of a person's name. In addition to the master data of the individual's fingerprint, the verification master file 6 records personal data recorded on conventional magnetic cards, so if the fingerprint can be verified, this personal data and the data sent from the ATM 8 are recorded. Along with the transaction information received, the Telegram Editing Organization 5
The transaction is then sent to the business online system 7, where transaction processing is performed.

FIG. 2 shows an example of the structure of personal data in the verification master file 6. As shown in FIG.

[0012] The personal identification number and validity code (the number of bits increases if the card is used illegally, and when the number of bits reaches a certain value, the card becomes unusable), etc. included in conventional magnetic cards are no longer required.

[0013]

[Effects of the Invention] As explained above, the transaction processing method in the banking online system of the present invention verifies the individual using a fingerprint, so that the user can carry a medium such as a magnetic card or enter a PIN number. Since there is no need to memorize it and there is no risk of it being misused by a third party, it has the effect of providing a banking online system that can be used simply and safely.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing one embodiment of a transaction processing method in a banking online system of the present invention.

FIG. 2 is a diagram showing an example of the configuration of personal data in the verification master file 6 of this embodiment.

[Explanation of symbols]

1 Fingerprint reading mechanism 2 Telegram transmission mechanism 3 Transaction information import mechanism 4 Fingerprint verification mechanism 5 Telegram editing mechanism 6 Master file for verification 7 Business online system 8 ATM 9. Host computer

Claims (1)

[Claims] Claim 1: A transaction processing method in a banking online system, comprising: a fingerprint reading mechanism that reads an image of an input fingerprint; a transaction information capture mechanism that captures transaction information; and electronic message information comprising the fingerprint image information and the transaction information. An ATM (a
automatic tellers machine)
and a fingerprint matching mechanism that matches the fingerprint image information in the message information with the fingerprint image information in a verification master file prepared in advance, and the personal data corresponding to the matched fingerprint information in the matching process. 1. A transaction processing method in a banking online system, comprising a host system including a business processing mechanism that performs transaction processing using the transaction information in the telegram information retrieved from a master file.