JPH09106470A - Automatic transaction system and individual identification method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent illegal transaction processing by excluding a doubtful person by providing an attention calling means for calling the attention of a handling person when the handling person wears sunglasses. SOLUTION: An automatic teller machine(ATM) 1 can not sample iris data sometimes. When the handling person wears the sunglasses, for example, a display (display input part) 4 is made dark so that the handling person may put off the subglasses unconsciously. Besides, a message such as 'Please put off your sunglasses' is displayed on the display input part 4 so that the handling person may put off the sunglasses positively. Further, when the handling person wear a patch on his/her eye, transaction processing can be performed by a personal identification number but transaction processing requiring high security is disabled. Then, the iris data of an eye not covered with the patch are stored in a transaction data recording part and when any illegal transaction processing is generated, it is proved that transaction processing is not transaction processing due to the customer himself/herself.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial terminal device, a financial system, and a personal identification method using iris data.

[0002]

2. Description of the Related Art In recent years, financial institutions have upgraded their services,
Diversification has been promoted. Along with this, a device with high security has been demanded. "High security" means that the ability to identify an individual is high,
This means that the data used for personal identification has a low risk of being stolen and is highly safe. Conventionally, as such a device, for example, a device is proposed in which an electronic camera disposed deep inside the peephole collects the retina data of the operator and collates it with prerecorded retina data to perform personal identification. Was done.

[0003]

Conventionally, the proposed apparatus using retinal data has a structure in which the eye is brought into eye contact with the peephole to collect the retinal data. This is because the retina is at the bottom of the eye, and good retina data cannot be collected unless the depth of the eye is irradiated with light to make the retina clear. For this reason, this device requires the operator to perform a special operation of looking into the peep hole. In addition, it was unsanitary because the eye was brought into contact with the peephole. As a result, this personal identification has a drawback that the operator feels annoyed or uncomfortable. In the present invention, such a defect is solved by performing personal identification by using iris data extracted from the pattern on the surface layer of the eyes, and at that time, how to identify faces / eyes used for personal identification The issue is whether to collect data well.

[0004]

[Means for Solving the Problems] The first aspect of the present invention is an automatic transaction system for collecting face / eye data of a handler and performing personal identification using the collected eye data. It is configured to have a sunglasses identifying means for identifying whether or not the operator wears sunglasses from the data and an alerting means for alerting the operator when the sunglasses identifying means identifies the sunglasses.

According to a second aspect of the invention, the alerting means of the first aspect of the invention is characterized by changing the display brightness.

According to a third aspect of the invention, the alerting means of the second aspect of the invention is characterized in that the brightness of the display is lowered.

According to a fourth aspect of the invention, the alerting means of the first aspect of the invention is characterized in that it is displayed so as to remove the sunglasses.

A fifth aspect of the present invention is an automatic transaction system for collecting face / eye data of a handler and performing personal identification using the collected eye data. It has an eyepatch identifying means for identifying whether or not the eyepatch identifying means identifies the eyepatch in the eye registered in advance for personal identification, and uses the collected eye data. Instead of personal identification by personal identification, personal identification using a personal identification number is performed, and the data of the other eye is collected and recorded.

A sixth aspect of the present invention is a personal identification method in which personal identification is performed using the collected eye data. If you are wearing sunglasses, identify whether or not you are wearing sunglasses, and alert the operator if you are wearing sunglasses.

A seventh aspect of the present invention calls for the attention of the sixth aspect by changing the brightness of the display.

An eighth aspect of the invention is to call the attention of the seventh aspect by reducing the brightness of the display.

According to a ninth aspect of the present invention, the attention of the sixth aspect is invoked by displaying a guide so that the sunglasses are removed.

A tenth aspect of the present invention is a personal identification method for performing personal identification by using collected eye data. Identify whether you have an eye patch on your eyes,
If you have an eye patch, instead of using the collected eye data to identify yourself, use your PIN to identify yourself and collect and record the other eye's data. .

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION It is desired that personal identification be performed with high security and without causing annoyance or discomfort to a person who handles the service (usually, a customer who has opened an account). In other words, the ability to identify an individual is high, the risk of the data used for individual identification being stolen is low, and it is highly safe, as well as the data for identifying an individual without requiring the operator to take any special action. It is desirable to be able to enter.
In the present invention, in order to satisfy such a condition, data using a pattern on the surface layer side of the eye, in particular, an iris pattern is used.

On the iris, patterns such as radial black streaks and outer contours are formed around the crystalline lens.
This pattern is fixed in human childhood,
The right eye and the left eye are different for each individual and even for the same person. Therefore, the data using this pattern has very high personal identification ability. Therefore, this pattern is optically scanned along a predetermined line, and the light and dark extracted by the scanning is digitally encoded. This digitally encoded data (hereinafter, referred to as iris data) has extremely high personal identification capability as described above. In addition, the data is highly safe because it cannot be stolen even if other people can know it. Further, the iris data is extracted from the pattern on the surface side of the eye. Therefore, the iris data can be extracted from the eye data taken from the position where the camera is separated by a certain distance without forcing the operator to take a special action.
Further, the iris data is extracted from the eye data collected without the need for the operator to make eye contact with the peephole. Therefore, the iris data is extracted in a clean state. Therefore, the personal identification using the iris data is a method with high security and does not make the operator feel bothersome and uncomfortable.

The present invention provides an automatic transaction system using such iris data (financial terminal device, host computer, individual peripheral device or a combination thereof) and a personal identification method. In particular, it is devised so that the iris data can be satisfactorily extracted even if the operator does not perform a special operation. Further, the present invention is devised so that it can be operated in combination with an automatic transaction system for performing personal identification using the current personal identification number, with the intention of being quickly introduced by financial institutions.

The present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing an example of a financial terminal device according to the present invention. FIG. 2 is a diagram showing another example of the financial terminal device according to the present invention. FIG. 3 is a diagram showing internal blocks of the financial terminal device according to the present invention. Note that the financial terminal device in the figure shows an automatic transaction device (ATM) as an example, but in addition to this, there are forms such as a cash payment machine (CD), a window device, a seal reference machine, and a certificate issuing machine.

1 and 2, 1 is a financial terminal device (A
TM), 2 is a proximity sensor, 3 is a camera, 4 is a display input section, 5 is a bill insertion / ejection slot, 6 is a card insertion / ejection slot, 7 is a slip ejection slot, 8 is a passbook insertion / ejection slot, Reference numeral 9 is an illumination unit.

In FIG. 3, 10 is a terminal controller, 11 is a host computer, 12 is a camera control unit, 13 is a display control unit, 14 is an input control unit, 15 is a bill handling unit, 16 is a card handling unit, 17 Is a slip handling department, 18
Is a passbook handling unit, 19 is a main control unit, 20 is a main recording unit, 21
Is a transaction data recording unit, and 22 is a card.

ATM1 is a terminal controller 1
0 is connected to the host computer 11 online via 0, and the operator communicates with the host computer 11 by inputting various transaction processing instructions. As a result, various transaction processes are executed.

The proximity sensor 2 is a sensor for detecting the approach of a human body by using infrared rays or ultrasonic waves. The proximity sensor 2 is arranged on the front surface of the ATM 1 so as to be hidden by a panel. In particular, when ultrasonic waves are used, the proximity sensor 2 can detect not only the approach of the human body but also the distance to the human body. Further, since the proportion of the human body can be determined by the echo reflected from the human body, the contour of the face can be identified.

The camera 3 is an input unit for collecting face / eye data of the operator. The camera 3 has a camera controller 12
The focus and the sampling sensitivity can be changed by the control of (or the main control unit 19). The camera 3 is an AT as shown in FIG.
It may be arranged on the front surface of M1 or may be arranged near the display input unit 4 as shown in FIG. In the case of FIG. 1, it is convenient for the operator to collect data when approaching the ATM 1. Further, in the case of FIG. 2, the operator gazes at the display input unit 4 with his or her line of sight, which is convenient for collecting data during transaction processing. The camera control unit 12 (or the main control unit 19) that controls the camera 3 controls the focus and sampling sensitivity of the camera 3 as described above. Extract data, sunglasses and eye patches.

The camera 3 can be constructed as follows.

The camera 3 collects the surrounding moving image data and compares the moving image data before and after several frames. As a result, a portion with a change is detected from surrounding moving image data. When such a portion is detected, the shape of the portion is compared with the shape of the human body to identify whether or not the shape is close to the human body. When the shape of the human body is close, it is determined that the human body has approached. Then, the proportion of the human body is calculated from that portion, and the contour of the face is identified.

Further, the camera 3 collects surrounding moving image data, and from the collected surrounding moving image data, a portion showing an object having a perspective and a contrast different from the background, or data recorded in advance in an initial state. And the part where an object with a different perspective or contrast is captured is detected. When such a portion is detected, the shape of the portion is compared with the shape of the human body to identify whether or not the shape is close to the human body. When the shape of the human body is close, it is determined that the human body has approached. Then, the proportion of the human body is calculated from that portion, and the contour of the face is identified.

With the above-mentioned configuration, the camera 3 can have both the function of the proximity sensor 2, that is, the function of detecting that the operator is approaching and the function of identifying the facial contour of the operator. . As a result, the ATM 1 can be configured such that the camera 3 substitutes the proximity sensor 2 and the proximity sensor 2 is not provided.

The display / input unit 4 is a display for displaying information and a key for the operator to input various transaction processing instructions. The display input unit 4 has a display control unit 13 that controls the display of the display and an input control unit 14 that controls and detects the input of keys. In particular, the display control unit 13 causes the display control unit 13 to be displayed dark, to be returned to the original state, or to display such as "please remove sunglasses" as described later.

The bill insertion / ejection port 5 is an opening for inserting and ejecting bills. The banknote insertion / discharge port 5 is connected to the banknote handling unit 15, and the banknotes inserted from the banknote insertion / discharge port 5 into the ATM 1 are identified / stored by the banknote handling unit 15. In addition, the stored bills are discharged from the bill insertion / discharge port 5 to the outside of the ATM 1 by the bill handling unit 15.

The card insertion / discharge port 6 is an opening for inserting / discharging the card 22. The card insertion / ejection port 6 is connected to the card handling unit 16, and the card 22 inserted into the ATM 1 from the card insertion / ejection port 6 is the card handling unit 16
Reads the main information required for transaction processing.

The slip discharge port 7 is an opening for discharging a slip. The voucher outlet 7 is connected to the voucher handling section 17, and the voucher handling section 17 creates a voucher in which various pieces of information are written during transaction processing. The slip created by the slip handling unit 17 is discharged from the slip discharge port 7 to the outside of the ATM 1 and reaches the hand of the operator.

The passbook insertion / discharge port 8 is an opening for inserting / discharging a passbook. The passbook insertion / ejection port 8 is connected to the passbook handling unit 18, and the contents of the transaction processing executed by the passbook handling unit 18 are recorded in the passbook inserted from the passbook insertion / ejection port 8 into the ATM 1.

The illumination unit 9 is a light such as a fluorescent lamp or a white lamp. The illumination unit 9 illuminates the operator to make the face and eyes of the operator have an illuminance higher than the sampling sensitivity of the camera 3. As a result, even when the backlight is incident on the ATM 1, the ATM 1 can properly collect the face / eye data of the operator. The illumination unit 9 prevents the light from being reflected by the eyes and forming a white-shining portion. Therefore, for example, a translucent screen is made transparent so that the indirect light illuminates the operator.

The main control unit 19 is a control unit for controlling various operations relating to the transaction processing of the ATM 1, and controls, for example, customer service operation and communication operation with the host computer.

The main recording unit 20 is a recording unit for recording various kinds of information relating to transaction processing. For example, a bank number, a branch number, an ATM number, and iris data of a customer (in particular, iris data of a particular customer such as a blacklist). ), Transaction processing programs, etc. are recorded.

The transaction data recording unit 21 is a recording unit for recording the contents of the executed transaction processing. The transaction data recording unit 21 is in the form of a hard disk, a floppy disk, a memory chip, recording paper, or the like.

The transaction processing method of ATM1 will be described below, and the personal identification method using the iris data of the present invention will also be described.

There are the following two ways of using the iris data.

The first usage is to perform personal identification by iris data in place of a personal identification number in transaction processing.

The second usage is to perform personal identification using a personal identification number and record the iris data of a handler instead of performing personal identification using iris data during transaction processing. This method is used later when it is found that the transaction processing was transaction processing by a third party other than the customer (hereinafter referred to as “illegal transaction processing”).
The iris data of the operator and the iris data of the customer themselves are compared and used for post-mortem analysis.

The first usage has an advantage that transaction processing requiring high security can be performed. The transaction processing that requires high security is, for example, an expensive transaction processing or a transaction processing when the operator forgets the personal identification number. The first method is to use iris data when a card, passbook, seal, etc. are lost due to a natural disaster.
There is an advantage that transaction processing can be performed by confirming the customer without a card, passbook or seal. For example, a customer who has lost a card, passbook, seal, etc., can use a terminal device (ATM
1 and customer data (name, date of birth, address, telephone number, etc.) are input to the terminal transaction device, and the terminal device is made to collect eye data. The terminal device extracts the iris data from the data of the customer's eyes and uses the iris data as a device having a personal identification function (host computer 11 or other device not shown).
Send to A device having a personal identification function using iris data confirms whether or not the customer is himself / herself using the iris data. With this configuration, the customer can access his / her own account and process transactions even without a card, passbook, or seal. You can also issue new cards and passbooks.

The second usage is an advantage that, when an illegal transaction process occurs, the transaction process can be proved to be a transaction process not by the customer himself, and the customer's credit can be maintained. This has the advantage of detecting and activating an alarm system (not shown) the next time a person processes a transaction.

The use of these will be described below with reference to FIGS. 4 and 5.

The ATM 1 may not be able to collect iris data. For example, the case where the operator is wearing sunglasses or wearing an eye patch. If the operator wears sunglasses, the operator may be a suspicious person, and since personal identification using iris data cannot be performed, transaction processing that requires high security cannot be performed. Therefore, it is necessary to encourage them to remove their sunglasses. For example,
By darkening the display (display input section 4), the operator can instinctively remove the sunglasses. In addition, it is possible to display a message such as "Don't be afraid to remove sunglasses" on the display input section 4 so that the operator positively removes it. If the operator has the eye patch, it is unlikely that the operator is a suspicious person.
Therefore, it is assumed that the transaction processing using the personal identification number can be performed, and instead, the transaction processing that requires high security cannot be performed. Then, the iris data of the eye without the eye patch is stored in the transaction data recording unit 21, and if an illegal transaction process should occur, the transaction process is a transaction process that does not depend on the customer himself. Prove that. This protects the trust of the customer and guarantees high security for the customer. The flowcharts of FIGS. 4 and 5 are intended for these purposes.

The ATM 1 also collects the iris data to be collected,
Both eyes can be set to collect, or only one eye can be set to collect. When iris data is collected for both eyes, the personal identification ability can be increased, but on the other hand, the storage capacity of the host computer 11 must be increased. On the other hand, in the case of collecting the iris data for only one eye, the storage capacity of the host computer 11 can be reduced although the individual identification ability of the iris data is reduced. In this embodiment, normally, only the iris data of one eye is sampled, and the iris data of the other eye is sampled and stored only when there is a predetermined condition. By doing so, it is possible to operate even if the storage capacity of the host computer 11 is small, and it is possible to guarantee high security even if an unauthorized transaction process occurs. The flow charts of FIGS. 4 and 5 are also intended for this purpose.

First, the first method of use will be described with reference to the flowchart of FIG. Note that the flowchart of FIG. 4 is assembled so as to be suitable for the example in which the camera 3 is arranged in front of the ATM 1 as shown in FIG.

(Step 101) The ATM 1 first detects the approach of the operator by the proximity sensor 2, identifies the contour of the operator's face, and determines the position of the operator's eyes. Then, the camera 3 is focused on the face of the operator to collect the face / eye data of the operator. If the collected face / eye data of the operator is dark, the sensitivity of the camera 3 is increased to a level at which the iris data can be identified.

(Step 102) The ATM 1 starts displaying on the display input section 4.

(Step 103) The ATM 1 identifies whether or not the operator is wearing sunglasses. The sunglasses are identified based on whether or not the eyes of both eyes can be identified from the collected face / eye data of the operator. The identification of the pupil is
This is determined by whether or not it is possible to detect, from the face / eye data of the operator, the boundary where the shades of color are clearly separated at the positions of both eyes at a predetermined slice level. If the boundary can be detected, it is treated as if the pupil can be identified, and if not, it is treated as the pupil can be identified. If both eyes can be identified in this way, it is treated as if it were the naked eye,
If only one of the pupils can be identified, it is treated as a state of wearing an eye patch, and if neither of the pupils of both eyes can be detected, it is treated as a state of wearing sunglasses. Ordinary transparent glasses or lightly colored sunglasses can extract iris data. Therefore, in the present embodiment, these are not particularly identified. Hereinafter, if the operator wears sunglasses, the process proceeds to step 104, and if not, the process proceeds to step 109.

(Step 104) The ATM 1 darkens the display input section 4. This causes the operator to remove the sunglasses without giving the operator a sense of resistance. By doing so, the ATM 1 can satisfactorily extract the iris data of the operator, and the surveillance camera (not shown) installed in the store can show the operator's bare face.

(Steps 105 and 106) The ATM 1 waits until a predetermined time elapses. Then, after a lapse of a predetermined time, it is again determined whether or not the operator is wearing sunglasses. If the operator wears sunglasses, proceed to step 107. If not, proceed to step 1
Proceed to 08.

(Step 107) The ATM 1 displays "Please try again with sunglasses removed" on the display input section 4. This gives resistance to the person trying to commit the crime, and actively deters the crime. Then, the process proceeds to step 121.

(Step 108) The ATM 1 brightens the display input section 4 (returns to the original state).

(Step 109) The ATM 1 displays "Please insert a card" on the display input section 4 and prompts the operator to insert the card 22. When the operator inserts the card 22 into the card insertion / ejection port 6, the ATM 1 introduces the card 22 into the ATM 1 and the card handling section 16 reads the information on the card 22.

(Step 110) The ATM 1 selects whether or not to perform personal identification using the iris data, based on the information recorded on the card 22. When the signal for designating the individual identification using the iris data is recorded in the information of the card 22, the ATM 1 performs the individual identification using the iris data. Further, when the signal designating not to perform the personal identification using the iris data is recorded, the ATM 1 performs the personal identification using the personal identification number without performing the personal identification using the iris data. The signal that specifies whether or not to perform personal identification using this iris data is
It is recorded on the host computer 11, not on the card 22, and is recorded online from the host computer 11.
It can also be transmitted to TM1. Hereinafter, if this signal specifies that personal identification is to be performed using iris data, the process proceeds to step 111, and if not specified, the process proceeds to step 122.

If a signal designating whether or not to perform personal identification using iris data is not recorded in the information of the card 22, it is determined whether or not the financial institution performs personal identification using iris data. Is selected in advance and the personal identification is set.

(Step 111) The ATM 1 is the camera 3
The data of the face / eye of the operator is collected by focusing on the face / eye of the operator. Next, the ATM 1 is the camera controller 12
(Or the main control unit 19) extracts the iris data of the operator from the face / eye data of the operator. The iris data of the operator is the eye (predetermined eye) of a person who is registered in advance with a financial institution. Information designating which is the predetermined eye is recorded in the card 22, and the ATM 1 obtains this information from the card 22 to identify the predetermined eye and extract the iris data. This information is recorded in the host computer 11 and
It is also possible for 1 to obtain this information from the host computer 11 and specify a predetermined eye to extract iris data.

(Step 112) The ATM 1 discriminates whether or not the operator's iris data can be extracted. Hereinafter, if the operator's iris data can be extracted, the process proceeds to step 113, and if it cannot be extracted, the process proceeds to step 115.

As described above, when the operator wears the eye patch, the iris data cannot be extracted. In this case, unlike the case of sunglasses, there is little possibility that the handler is a suspicious person. Therefore, instead of transaction processing requiring high security, transaction processing by personal identification using a personal identification number can be performed. Then, the iris data of the eye without the eye patch is extracted and stored in the transaction data recording unit 21, and if the transaction process is later found to be an illegal transaction process, the iris data is extracted. The iris data of the operator and the iris data of the customer are compared by the device having the personal identification function used (such as the host computer 11 or other window transaction device not shown), and the transaction process does not depend on the customer himself. Prove that and maintain the trust of the customer.

(Step 113) The ATM 1 compares the iris data of the operator with the iris data of the customer recorded in the information of the card 22. The iris data of a customer is the iris data of a customer registered in advance with a financial institution. The customer's iris data can record the data of a plurality of persons as one group of customers. For example, when the customer is a corporation, the representative of the corporation and its agent are recorded as one group of customers. By doing so, the transaction process can be executed when someone in this group is the handler.

When the two match according to the above-mentioned comparison, the ATM 1 is in a state in which the handling can be performed assuming that the operator is the customer himself. Then, the process proceeds to step 114. On the other hand, if they do not match, step 116.
Proceed to.

(Step 114) The ATM 1 transmits the iris data of the operator to the host computer 11 online. The host computer 11 records the data in a recording unit (not shown). Then, the process proceeds to step 124.

Whether or not the operator's iris data is recorded in step 114 is a matter for the financial institution to select. However, it is preferable to record the data of a plurality of persons as one group of customers.

(Step 115) The ATM 1 extracts the iris data of the other eye.

(Step 116) The ATM 1 displays "Please input the password" on the display input section 4. When the operator inputs the PIN based on the display, ATM1
Transmits the personal identification number and the iris data of the operator to the host computer 11 online.

(Step 117) Host computer 1
1 compares the personal identification number received from the ATM 1 with the personal identification number recorded in the host computer 11 itself. Hereinafter, if both match, the process proceeds to step 118, and if they do not match, the process proceeds to step 119.

(Step 118) Host computer 1
1 records the iris data of the operator. By doing so, as described above, when the transaction processing is found to be an illegal transaction processing at a later date, a device having a personal identification function using the iris data (host computer 11 or other devices Do not use a teller machine, etc.) to compare the iris data of the operator with the iris data of the customer,
It proves that the transaction processing is not the transaction processing by the customer himself, and thus protects the trust of the customer. As a result, it is possible to prevent damage to the customer's credit and to apply insurance to protect the customer's property. Also, the iris data of the operator is recorded in the blacklist of the recording unit of the host computer 11. This blacklist is a file for crime prevention, and is inquired every transaction processing. With this configuration, the host computer 11 can detect this when an executor who has performed an illegal transaction process performs the next transaction process and operate an alarm system (not shown). Will be able to arrest unauthorized persons. The financial institution can improve the accuracy of the arrest by storing the video tape showing the operator when the illegal transaction processing is performed and referring to the video tape at the time of the arrest.

(Step 119) The ATM 1 discriminates whether or not an incorrect personal identification number has been input a predetermined number of times in succession.
If the number of incorrect inputs is less than the predetermined number, step 11
If the number of times is 6 or more, the process proceeds to step 120.

(Step 120) ATM 1 is card 2
2 is stored in a storage unit (not shown) in the ATM 1 and a slip recording "Please come to the counter" is issued to the customer. At the same time, the iris data of the operator is recorded in the transaction data recording unit 21, and the iris data is transmitted to the host computer 11. The host computer 11 records the iris data in the recording unit. The iris data recorded in the recording unit will be recorded in the blacklist later when the transaction processing is found to be an illegal transaction processing.

(Step 121) The ATM 1 judges that the transaction processing is impossible and interrupts the transaction processing. Hereafter, step 1
Proceed to 27.

(Step 122) The ATM 1 displays "Please input the password" on the display input section 4. When the operator inputs the PIN based on the display, ATM1
Transmits the personal identification number and the iris data of the operator to the host computer 11 online.

(Step 123) Host computer 1
1 compares the personal identification number received from the ATM 1 with the personal identification number recorded in the host computer 11 itself. Hereinafter, if both match, the process proceeds to step 124, and if they do not match, the process proceeds to step 125.

(Step 124) The ATM 1 judges that the transaction processing is possible and executes the transaction processing. Step 12 below
Go to 7.

(Step 125) The ATM 1 discriminates whether or not an incorrect personal identification number has been input a predetermined number of times in succession.
If the incorrect input is less than the predetermined number of times, step 12
2, the process proceeds to step 126 if the number of times is equal to or more than the predetermined number.

(Step 126) The ATM 1 judges that the transaction processing is impossible, takes the card 22 into the storage section in the ATM 1, issues a slip recording "Please come to the counter" to the customer, and interrupts the transaction processing. To do.

(Step 127) The ATM 1 ends the processing.

Although the above-mentioned flow chart is constructed so that the ATM 1 performs personal identification using iris data, the card 22 may be constructed so as to perform personal identification using iris data. For example, the card 22 is an IC card recording the iris data of the customer, the ATM 1 transmits the iris data of the operator to the card 22, and the iris data of the operator received by the card 22 is recorded as the iris of the customer. It is configured to compare with the data. By configuring the card 22 in this way, it is possible to realize a flowchart in which the card 22 performs personal identification using iris data.

The first usage has been described above in detail. The following features are also shown in the flowchart of FIG.

First, whether or not to perform individual identification using iris data is determined by a signal designating to perform individual identification using iris data recorded on the card 22 or an individual using iris data. It is performed based on a signal that specifies that no identification is performed. In addition, if a signal designating whether or not to perform personal identification using iris data is not recorded in the information of the card 22, it is previously determined whether the financial institution performs personal identification using iris data. Select and set the personal identification.

Second, personal identification using iris data is
The ATM 1 is performed using the iris data of the customer recorded in the information on the card 22.

Thirdly, when the sunglasses are identified from the face / eye data of the operator, caution is required to remove the sunglasses. For example, the brightness of the display input section 4 is changed, and in particular, the display input section 4 is made dark so that the operator can remove the brightness without giving a feeling of resistance to the operator. Also, by displaying "Please remove your sunglasses and try again" in the display input section 4,
It gives a sense of resistance to those who try to commit crimes and actively deters crimes. In addition to the above, as a method of calling attention, a voice may be used to say "Please try again with the sunglasses removed."

Fourth, when the iris data of the predetermined eye cannot be extracted (when the eye patch is identified), the iris data of the other eye is extracted without performing individual identification using the iris data. Then, the personal identification is performed using the personal identification number.

Fifth, the iris data of the operator is the card 22.
If it is different from the customer's iris data recorded in, the operator's iris data is recorded.

Next, the second method of use will be described with reference to the flowchart of FIG. The flowchart of FIG. 5 is configured to be suitable for the example in which the camera 3 is arranged near the display input unit 4 as shown in FIG.

(Step 201) The ATM 1 detects the approach of the operator by the proximity sensor 2, identifies the contour of the operator's face, and determines the position of the operator's eyes.

(Step 202) The ATM 1 starts displaying on the display input section 4. The display input unit 4 substitutes the illumination unit 9 by displaying a screen with high brightness and illuminating the face of the operator with light. With such a configuration, if the screen with high brightness is continuously displayed during the transaction processing, the operator feels uncomfortable. Therefore, in the present invention, it is desirable to display a screen with high brightness only when the operator approaches and to reduce the brightness when the iris data is extracted.

(Step 203) The ATM 1 displays "Please insert a card" in the display input section 4 and prompts the operator to insert the card 22. When the operator inserts the card 22 into the card insertion / ejection port 6, the ATM 1 introduces the card 22 into the ATM 1 and the card handling section 16 reads the information on the card 22.

(Step 204) The ATM 1 selects whether or not to perform personal identification using the iris data, based on the information recorded on the card 22. Hereinafter, when the signal for designating the individual identification using the iris data is recorded in the information of the card 22, the process proceeds to step 205, and the individual identification using the iris data is not designated. If the signal is recorded, the process proceeds to step 219.

(Step 205) The ATM 1 is the camera 3
By collecting the face / eye data of the operator, it is identified whether the operator wears sunglasses. If the operator wears sunglasses, the process proceeds to step 206, and if not, the process proceeds to step 210.

(Step 206) The ATM 1 displays "Please remove sunglasses" on the display input section 4. This gives resistance to the person trying to commit the crime, and actively deters the crime.

(Steps 207 and 208) The ATM 1 waits until a predetermined time elapses. Then, after a lapse of a predetermined time, it is again determined whether or not the operator is wearing sunglasses. Hereinafter, if the operator wears sunglasses, proceed to step 209, and if not, proceed to step 2
Go to 10.

(Step 209) The ATM 1 displays "Please try again with your sunglasses removed" on the display input section 4. Then, the process proceeds to step 218.

(Step 210) The ATM 1 is controlled by the camera control unit 12 (or the main control unit 19) to detect the face of the operator.
Extract the iris data of the operator from the eye data. The iris data of this operator is a predetermined eye (the eye registered in advance with a financial institution), and the information designating which is the predetermined eye is recorded on the card 22. .

(Step 211) The ATM 1 discriminates whether or not the iris data of the operator can be extracted. Hereinafter, if the operator's iris data can be extracted, the process proceeds to step 213, and if it cannot be extracted, the process proceeds to step 212.

(Step 212) The ATM 1 extracts the iris data of the other eye.

(Step 213) The ATM 1 displays "Please input the password" on the display input section 4. When the operator inputs the PIN based on the display, ATM1
Transmits the personal identification number and the iris data of the operator to the host computer 11 online.

(Step 214) Host computer 1
1 compares the personal identification number received from the ATM 1 with the personal identification number recorded in the host computer 11 itself. Hereinafter, if they match, the process proceeds to step 215, and if they do not match, the process proceeds to step 216.

(Step 215) Host computer 1
1 records the iris data of the operator. This step has the same effect as step 118 of FIG.

(Step 216) The ATM 1 discriminates whether or not an incorrect personal identification number has been input a predetermined number of times in succession.
In the following, if the incorrect input is less than the predetermined number of times, step 21
If the number of times is equal to or more than the predetermined number, the process proceeds to step 217.

(Step 217) ATM1 is card 2
2 is stored in the storage section of the ATM 1 and a slip recording "Please come to the counter" is issued to the customer. At the same time, the iris data of the operator is recorded in the transaction data recording unit 21, and the iris data is transmitted to the host computer 11. The host computer 11 records the iris data in the recording unit. The iris data recorded in the recording unit will be
When the transaction processing is found to be an illegal transaction processing, it is recorded in the blacklist.

(Step 218) The ATM 1 judges that the transaction processing is impossible and interrupts the transaction processing. Step 2 below
Proceed to 24.

(Step 219) The ATM 1 displays "Please input the password" on the display input section 4. When the operator inputs the PIN based on the display, ATM1
Transmits the personal identification number and the iris data of the operator to the host computer 11 online.

(Step 220) Host computer 1
1 compares the personal identification number received from the ATM 1 with the personal identification number recorded in the host computer 11 itself. Hereinafter, if both match, the process proceeds to step 221, and if they do not match, the process proceeds to step 222.

(Step 221) The ATM 1 judges that the transaction processing is possible and executes the transaction processing. Step 22 below
Proceed to 4.

(Step 222) The ATM 1 discriminates whether or not an incorrect personal identification number has been input a predetermined number of times in succession.
In the following, if the incorrect input is less than the predetermined number of times, step 21
9. If it is the predetermined number of times or more, go to step 223.

(Step 223) The ATM 1 judges that the transaction processing is impossible, takes the card 22 into the storage section in the ATM 1, issues a slip recording "Please come to the counter" to the customer, and interrupts the transaction processing. To do.

(Step 224) The ATM1 ends the processing.

The second usage has been described above in detail. The following features are also shown in the flowchart of FIG. 5 described above.

First, when the ATM 1 detects that the operator is approaching, it displays a screen with high brightness on the display input section 4 and illuminates the operator's face. This brightens the area around the face of the operator so that good data can be obtained.
In this screen display, a screen with high brightness is displayed only when the operator approaches, and the brightness is reduced when the iris data is extracted.

Secondly, in order for the ATM 1 in which the camera 3 is arranged in the vicinity of the display / input unit 4 to easily collect the face / eye data of the operator, the operator can use the card 22 to collect the data.
Is inserted into the card insertion / ejecting port 6 and face / eye data is collected while gazing at the display input unit 4.

Thirdly, in order to reduce the number of steps required for personal identification using a personal identification number, the person handling the card 22
Was added after the step of inserting (or excluded when performing personal identification using a personal identification number).

[0111]

According to the first, second, third and fourth aspects of the present invention, whether or not the operator is wearing sunglasses is identified by the sunglasses identifying means (main control section 19), so that a suspicious person is excluded. It is possible to prevent illegal transaction processing. In addition, in the second and third aspects of the invention, the sunglasses can be removed without giving a feeling of resistance to the operator, so that the data of a person who is likely to be a suspicious person can be recorded. Further, the fourth aspect of the invention gives a resistance to a person who intends to commit a crime, so that the crime can be actively suppressed.

A fifth aspect of the present invention is an eye patch identifying means (main controller 1).
Since 9) identifies whether the operator has the eye patch, if the eye patch is used, transaction processing with high security cannot be performed, but transaction processing with low security can be performed. . In addition, since the data of the handler is recorded when transaction processing with low security is performed, if the transaction processing is found to be illegal transaction processing, the transaction processing will You can prove that there is no transaction processing.
Therefore, it is possible to protect the trust of the customer.

The sixth invention, like the first invention, identifies whether or not the operator is wearing sunglasses, so that a suspicious person can be excluded and unauthorized transaction processing can be prevented. You can also

The seventh and eighth inventions are the second and third inventions.
Similarly to the invention of (1), the sunglasses can be removed without giving the operator a sense of resistance, so that the data of a person who is likely to be a suspicious person can be recorded.

The ninth aspect of the invention, like the fourth aspect of the invention, gives a resistance to a person who intends to commit a crime, so that the crime can be positively suppressed.

The tenth invention, like the fifth invention, discriminates whether or not the operator has the eye patch. Therefore, when the eye patch is used, the transaction processing with high security should be performed. However, transaction processing with low security can be performed. In addition, since the data of the handler is recorded when transaction processing with low security is performed,
In the unlikely event that the transaction processing is found to be fraudulent transaction processing, it is possible to prove that the transaction processing is transaction processing that does not depend on the customer himself. Therefore, it is possible to protect the trust of the customer. When conducting transaction processing that does not rely on personal identification using iris data, although transaction processing with high security cannot be performed,
Transaction processing with low security can be performed. In addition, since the iris data of the handler is recorded, in the unlikely event that the transaction processing is found to be fraudulent transaction processing, the transaction processing is proved to be transaction processing that is not done by the customer himself. be able to.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of a financial terminal device according to the present invention.

FIG. 2 is a diagram showing another example of a financial terminal device according to the present invention.

FIG. 3 is a diagram showing internal blocks of a financial terminal device according to the present invention.

FIG. 4 is a flowchart showing a first usage of the present invention.

FIG. 5 is a flowchart showing a second usage of the present invention.

[Explanation of symbols]

 1 Financial Terminal Equipment (ATM) 2 Proximity Sensor 3 Camera 4 Display Input Section 6 Card Insertion / Ejection Port 9 Illumination Section 11 Host Computer 12 Camera Control Section 13 Display Control Section 16 Card Handling Section 19 Main Control Section 20 Main Recording Section 21 Transaction Data recording unit 22 cards

Claims (10)

[Claims] 1. An automatic transaction system for collecting face / eye data of a handler and performing personal identification using the collected eye data, in which the handler wears sunglasses from the collected face / eye data. An automatic transaction system comprising: sunglasses identifying means for identifying whether or not the sunglasses are identified; and an alerting means for alerting the operator when the sunglasses identify the sunglasses. 2. The automatic transaction system according to claim 1, wherein the alerting means changes the brightness of the display. 3. The automatic transaction system according to claim 2, wherein the alerting means reduces the brightness of the display. 4. The automatic transaction system according to claim 1, wherein the alerting means performs a guidance display so as to remove the sunglasses. 5. An automatic transaction system that collects the face / eye data of a handler and uses the collected eye data for personal identification, and the operator puts eye patches on the collected face / eye data. And has an eyepatch identifying means for identifying whether or not, and when the eyepatch identifying means identifies the eyepatch in the eye registered in advance for personal identification, personal identification is performed using the collected eye data. An automated transaction system characterized by performing personal identification using a personal identification number and collecting and recording data of the other eye instead of performing the above. 6. A personal identification method for performing personal identification using collected eye data, wherein eye data for the personal identification side is registered in advance, and sunglasses are worn on the registered side for personal identification. A personal identification method characterized by identifying whether or not the person wears it and alerting the operator when wearing sunglasses. 7. The personal identification method according to claim 6, wherein the attention is given by changing the brightness of the display. 8. The personal identification method according to claim 7, wherein the attention is given by lowering the brightness of the display. 9. The method of claim 6, wherein the attention is given by a guide display such that the sunglasses are removed.
Described personal identification method. 10. A personal identification method for performing personal identification using collected eye data, wherein eye data for the personal identification side is registered in advance, and the eye patch of the registered side is used for personal identification. If you have an eye patch, instead of not using the collected eye data to identify yourself, use your PIN to identify yourself and use the other eye. An individual identification method characterized by collecting and recording data.