JPH09198510A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To perform a transaction by an automatic transaction device with high security without using an ID card. SOLUTION: In this automatic transaction device 1 for executing the transaction with a customer after identifying the customer from the iris data of the customer sampled by a video photographing part 13, a storage part 15 for storing the iris data sampled at the time of starting the transaction and the collation means of the iris data are provided, the iris data sampled again during the transaction and the iris data stored in the storage part 15 are collated and the transaction is advanced only when the iris data match. The automatic transaction device 1 transmits the iris data sampled at the time of starting the transaction through a communication channel L to a host device 20, collation with the iris data stored and managed by the host device 20 is performed and all transaction account information pertinent from the matched iris data is returned to the automatic transaction device 1. The information is displayed at a customer service part 11 and the transaction with a selectively inputted transaction account is executed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device used in a financial institution such as a bank, and more particularly to a customer guidance screen display.

[0002]

2. Description of the Related Art With the establishment of online sales offices in financial institutions and the tie-up of financial institutions, automatic transaction devices have come to be widely used for deposit / withdrawal transactions, transfer processing, and utility bill payment transactions. In these transactions, transaction selection is input according to the transaction guide display, that is, the customer guidance screen display. For example, in a withdrawal transaction, a customer carries a customer identification card (hereinafter referred to as an ID card) issued in advance for each customer, goes to a sales office, inserts this ID card into an automatic transaction device, and First, enter the password according to the customer guidance screen display shown in.

The entered personal identification number is collated with the customer information stored in the automatic transaction device or the host device connected thereto based on the information read from the ID card. Transactions become possible, and by completing the input of predetermined items in an interactive manner with the customer guidance screen display that is sequentially displayed, money is paid out from the money storage by a predetermined amount and paid to the customer from the customer service port. Also,
The ID card is discharged from the automatic transaction device at the end of the transaction and returned to the customer.

[0004]

Since an ID card is always required when conducting various transactions using an automatic transaction device, the customer needs to consider the loss or damage of the card. Furthermore, even if the user has an ID card, the operation of inputting the personal identification number is required, which is cumbersome, and attention has been paid so that the personal identification number is not known to others. In addition, when depositing money into multiple trading accounts and withdrawing deposits from multiple trading accounts, multiple IDs issued for each trading account
There was also the annoyance of making multiple transactions using each card.

Even at a financial institution, an ID is issued every time a trading account is opened.
The issuance of cards has been a hindrance to business efficiency due to increased issuance costs and re-recording of magnetic information.

[0006]

In order to solve the above-mentioned problems, the present invention is an automatic transaction apparatus for executing a transaction with a customer after identifying the customer from the iris data of the customer sampled by a video photographing unit, When the storage unit that stores the iris data collected at the start of the transaction and the matching unit for the iris data are provided, and the iris data collected again during the transaction is compared with the iris data stored in the storage unit, and the iris data matches. Only proceed the trade.

A customer service section capable of displaying a customer guidance screen and inputting transaction instructions, and a customer is identified from iris data of the customer photographed by a video photographing section, and then a transaction is automatically executed by transaction instruction input from the customer service section. In an automatic transaction system that includes a transaction device and a host device that stores and manages customer iris data, account numbers and deposit / savings balance information, and an automatic transaction device that connects the host device with a communication line via a communication line The collected iris data is transmitted to a host device via a communication line, collated with the iris data stored and managed by the host device, and all the corresponding transaction account information from the matched iris data is automatically traded. To display the information in the customer service section and execute the transaction with the transaction account selected and input.

When it is determined that the corresponding iris data does not exist as a result of collation with the iris data stored and managed by the host device, the transaction using the ID card is executed.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is an explanatory view showing the concept of a transaction in the automatic transaction device of the present invention, FIG. 2 is an external view of the automatic transaction device, and FIG. 3 is a control block diagram of the automatic transaction device. In the figure, 1 is an automatic transaction device (hereinafter referred to as ATM), 2 is issued by a financial institution, and a customer identification card in which customer information such as a code for each financial institution, a customer's account number, and a name is stored ( Hereinafter, referred to as an ID card) 3 in the card processing unit having a function of reading the information stored in,
The ID card 3 is inserted or returned from the card insertion / return port 2a connected to the front side of the card processing unit 2.

A passbook processing unit 4 is a passbook insertion / return port 4a.
Further, the passbook 5 (not shown) to be inserted is subjected to printing processing and the like, and further has means for reading and updating the stored information by a mechanism (not shown), and means for detecting a printed page line and page break means. Reference numeral 6 is a statement slip processing unit for printing transaction details and issuing a transaction statement 7 (not shown) issued to the customer A.

Reference numeral 8 denotes a bill depositing / dispensing unit, which discriminates and counts bills deposited by the customer A, conveys them and stores them in a deposit safe (not shown) or deposits bills to the customer A. It is paid out from the safe. Reference numeral 9 denotes a coin deposit / withdrawal unit, which discriminates and counts the coins deposited by the customer A, conveys them, and stores them in a denomination-specific storage safe (not shown), or the coins paid to the customer A from the denomination-specific storage safe. It is something to be paid out.

The banknote deposit / withdrawal section 8 is connected to a customer service port 8a for the customer A to insert banknotes or pay the banknotes to the customer A. Further, the coin depositing / dispensing section 9 is connected to a customer service port 9a for allowing the customer A to insert coins or pay the coins to the customer A. (Hereinafter, both banknotes and coins are collectively referred to as coins.) The customer service openings 8a and 9a are operated by shutters 10a and 10b, respectively, by driving means (not shown) to regulate insertion and removal of banknotes and coins.

Reference numeral 11 denotes a customer service section, which is a touch panel for displaying customer guidance for operation input by the customer A and for inputting operations. As shown in FIG. 4, a customer guidance screen display example at the time of starting transaction. In addition, transaction items such as "payment", "withdrawal" or "transfer" are displayed, and the transaction is selected by lightly touching (pressing) the display portion.

Reference numeral 12 denotes a voice guidance unit for performing voice guidance, which is a speaker / microphone 1 in front of the apparatus.
2a and. An image capturing unit 13 is a camera for collecting the peculiar data of the human body of the customer A, especially the face and eyes, and has a mechanism for moving the field of view of the camera within a predetermined angle range. 14 is a video shooting unit 1
3 is a video processing unit that performs the process of capturing images.

Reference numeral 15 is a storage unit composed of RAM, ROM or a floppy disk in which programs for performing various controls are stored, and 16 is an interface unit (hereinafter referred to as a connection port to a host computer which is a host device). , And the IF section).

Reference numeral 17 denotes an approach detector, which is used by the customer A for ATM1.
The main control unit 18 controls each of the above units, and 19 is a power supply unit that supplies power to each of the above units. Reference numeral 20 denotes a host computer connected to the IF unit 16 via a communication line L, and has a storage device 21 that stores account numbers of each customer, deposit / saving balance information, and iris data described later.

The customer guidance screen displayed in the customer service section 11 is
A plurality of types are stored in advance in the storage unit 15 and are sequentially displayed and controlled according to the instruction of the main control unit 18 as the transaction progresses.

Next, the deposit process (i) using the iris data will be described. First, as shown in FIG. 1, when the customer A approaches the front of the ATM 1 prior to the transaction, the approach detector 17 notifies the customer A that the customer A is within the predetermined distance range of the ATM 1, and the customer service section 11 is shown in FIG. Display the customer guidance screen as shown in. Here, the customer A selects "payment".

The main control unit 18 issues a shooting instruction to the video shooting unit 13 via the video processing unit 14, and the video shooting unit 13 receives the shooting instruction.
Collects the surrounding moving image data, compares it with moving image data several frames before, and detects a portion of the moving image data accompanied by a change.

By detecting such a portion, the shape of the portion is compared with the shape of the human body stored in the storage unit 15 in advance, and it is discriminated whether or not the shape is close to the shape of the human body. When it is determined that they are close to each other, it is determined as "human body". Then, the "face" is extracted from the identified human body, the position of the "eye" is subsequently specified, the iris data of the eye is read, image processing is performed, and the image is transmitted to the host computer 20.
It is also temporarily stored in the first storage unit 15.

To briefly explain the iris data, the pattern of the surface layer of the human eyeball, in particular, the iris is formed by a pattern such as radial black stripes centering on the crystalline lens and the contour of the outer periphery, and this pattern is a childhood. The right eye and left eye are different for each individual and even for the same person. Therefore, when this iris pattern is used, the data has excellent personal identification ability. The iris pattern is optically scanned along a predetermined line, and the light and shade extracted by the scanning are digitally encoded, which is referred to as iris data.

Returning to the description of the deposit processing, the iris data transmitted to the host computer 20 is stored in the storage device 21.
The iris data for each customer A stored in advance in the account ledger file is searched, customer data such as the name and account number of the corresponding customer is returned from the matched iris data to the ATM 1, and the ATM 1 is set to the deposit mode. Become. The name, account number, etc. of the customer A are displayed on the customer service section 11 to obtain the confirmation of the customer A.

Since FIG. 5 shows an example in which a plurality of accounts opened and owned by the same customer A are displayed, selection input for determining a transaction account from the opening branch name or account number is necessary in addition to confirmation input. Enter multiple accounts by entering "# 024680 Toranomon Branch / Regular" as shown in Figure 6 (a), and then by entering "# 036925 Shimbashi Branch / Regular" as shown in Figure 6 (b). It is possible to make a deposit transaction to. (The following description will be described in the withdrawal process described later.) Note that the display order of a plurality of accounts can be the transaction frequency or the latest transaction date.

When the customer account is determined, the customer guidance screen of the customer service section 11 displays "Please insert a passbook if you have one", and if the customer A inserts the passbook 5, the passbook 5 is displayed. Customer A from the magnetic information storage unit (not shown) of
The account number, name, etc. are read and the information is transmitted to the host computer 20 via the communication line L to confirm whether or not the account is the customer account.

If the same customer A is a passbook of a different account, the unbooked print data of the account is returned to the ATM 1 and only the passbook entry process is performed and returned. Since this passbook entry processing is only performed by controlling the passbook processing unit 4, it is possible to proceed in parallel with the deposit processing and the like.

Subsequently, "Please insert money" is displayed on the customer service section 11 and the shutters 10a, 9a of the customer service openings 8a, 9a are displayed.
Open 10b to prompt customer A to enter money. When the customer A inserts a bill, it detects it and closes the shutter 10a of the customer service port 8a, conveys the inserted bill, and a discrimination unit (not shown) denominates the denomination, authenticity, damage, and overrun (Overlap)
The skew or the like is discriminated and counted, and the fake bill or the abnormal conveyance bill is returned to the customer service port 8a. On the other hand, banknotes determined to be genuine by the discrimination unit are taken into the money-type storage safe, and banknotes determined to be unfit (such as non-circulation target banknotes) are taken into the deposit reject storage. Coins thrown into the customer service opening 9a are handled in the same manner as bills, but it goes without saying that the discrimination means such as overrunning and skewing are different from bills.

If the passbook 5 is inserted, the transaction contents and the unprinted book print data are printed, and the passbook insertion / return port 4 is inserted.
Then, the statement slip processing unit 6 prints the transaction date and time, the account number, the name, the branch name, the device number, the deposit amount, etc. as the transaction statement slip 7 and issues it from the customer service port 8a. It should be noted that the total amount of money taken in at the same time is displayed together with the deposit account number, and when the customer A confirms that there is no error, the host computer 20 is notified and the deposit / saving balance information of the corresponding account ledger file is updated. To do.

Next, the deposit process (ii) using the iris data and the ID card will be described with reference to the flowchart shown in FIG. The symbol S represents a step.

First, as shown in FIG. 1, when the customer A approaches the ATM 1 prior to the transaction, the approach detector 17 notifies the customer A that the customer A is within the predetermined distance range of the ATM 1, and the customer service section 11 The customer guidance screen as shown in FIG. 4 is displayed. Here, customer A selects "payment" (S
11).

The main control unit 18 issues a shooting instruction to the video shooting unit 13 via the video processing unit 14, and the video shooting unit 13 receives the shooting instruction.
Collects the surrounding moving image data, compares the moving image data of several frames before with the image processing unit 14, and detects a portion accompanied by the change of the moving image data. By detecting such a portion, the iris data is collected by the above-described procedure (S12), transmitted to the host computer 20, and temporarily stored in the storage unit 15 of the ATM1.

When the customer A possesses the ID card 3 and inserts it through the card insertion return port 2a (S13), the inserted ID card 3 is taken into the card processing section 2 and the stored information is read. (S14), the read customer information is also transmitted to the host computer 20. In addition, ID
If you do not have the card 3, deposit processing (i)
The transaction will be as explained by.

Based on the iris data transmitted to the host computer 20 and the customer information read from the ID card 3, the customer A previously stored in the account ledger file in the storage device 21.
Of the corresponding customer A, the customer data such as the name and account number of the corresponding customer A are returned to the ATM 1, and the ATM 1 enters the deposit mode.

In this case, since the account number is identified by the information read from the ID card 3, the name, account number, etc. of the customer A are displayed on the customer service section 11 only for the relevant account (S15).

Although the information read from the ID card 3 was sent to the host computer 20 for retrieval, the ATM 1 received a plurality of account information based on the iris data, and only the account information matching the information from the ID card 3 was displayed on the screen. The ATM 1 may control the display.

Next, "If you have a passbook, please insert it" is displayed on the customer guidance screen of the customer service section 11, and when the passbook 5 is inserted by the customer A, the magnetic information is stored in the passbook 5. The account number, name, etc. of the customer A are read from a section (not shown), and the information is transmitted to the host computer 20 via the communication line L to confirm whether or not the account is the customer account. If the same customer A is a passbook of a different account, the unbooked print data of the corresponding account is returned to the ATM 1 and only passbook entry processing is performed and returned.

Subsequently, "Please insert money" is displayed on the customer service section 11, and the shutters 10a, 9a of the customer service openings 8a, 9a are displayed.
Open 10b to prompt customer A to enter money. When the customer A inserts a bill, it detects it and closes the shutter 10a of the customer service port 8a, conveys the inserted bill, and a discrimination unit (not shown) denominates the denomination, authenticity, damage, and overrun (Overlap)
The skew or the like is discriminated and counted, and the fake bill or the abnormal conveyance bill is returned to the customer service port 8a. On the other hand, banknotes determined to be genuine by the discrimination unit are taken into the denomination temporary holding unit, and bills judged to be unfit (such as non-circulation target bills) are taken into the deposit reject temporary holding unit (S16).

When the customer A confirms that there is no error by displaying the total amount of coins taken in at the same time together with the deposit account number (S17), the money type temporary holding section and the deposit reject temporary holding section The banknotes that are temporarily held at are stored in the denomination-based storage safe and the deposit reject storage, respectively. The statement processing unit 6 prints the date and time, the account number, the name, the branch name, the device number, the deposit amount, the balance, etc. on the transaction statement 7 and issues it from the customer service port 8a (S18).

If the passbook 5 is inserted, the transaction contents and the unprinted book print data are printed, and the passbook insertion / return port 4 is inserted.
Return from a.

On the other hand, in the card processing section 2, the taken-in ID card 3 is conveyed to the card insertion return port 2a and returned to the customer A (S19). Then, the main control unit 18 records / stores in the transaction history recording unit and notifies the host computer 20 to update the deposit / saving balance information of the corresponding account ledger file (S20).

The above is the normal deposit process. Next, at step 17, if there is a difference between the amount of money discriminated and counted by the ATM 1 and the total amount of money deposited by the customer A, the customer A
The case where the customer A desires to cancel the transaction for some reason or so and presses the "Cancel" button will be described.

When the "cancel" button is pressed, the iris data of the customer A is sampled again in the above procedure (S21), and the storage unit 15
Collation with the iris data stored in (S2
2). As a result of this collation, when the iris data match, it is determined that the customer is the same customer A, and the ID card 3 taken into the card processing unit 2 is conveyed to the card insertion return port 2a and returned to the customer A (S23). . Subsequently, the banknotes held in the money type temporary holding unit and the deposit reject temporary holding unit are conveyed to the customer service port 8a, and then the shutter 10a is opened (S2).
4).

When it is confirmed by the detection means (not shown) that the customer A has taken out the bill (S2
5), the shutter 10a is closed (S26), and the process proceeds to step 20.

If it is determined in step 22 that the iris data do not match as a result of the comparison, the transaction is temporarily suspended (S27), and "Transaction with XX." Or "Transaction" is displayed on the customer guidance screen display. Are you sure you want to cancel? ”Is displayed, and the customer A is requested to confirm whether or not to cancel.

When the customer A chooses to continue the processing, the iris data of the customer A is sampled again (S28), and the iris data stored in the storage unit 15 is collated again (S29). If the iris data match in this collation, it is determined that the customer is the same customer A, the ID card 3 taken into the card processing unit 2 is conveyed to the card insertion return port 2a and returned to the customer A (step 23).

If the iris data do not match again,
The banknotes held in the money type temporary holding section and the deposit reject temporary holding section are conveyed to the forgotten banknote storage and stored (S30). Further, the ID card 3 in the card processing unit 2 is forgotten and taken into the card storage (S31), and the iris data collected at the end is also stored in the storage unit 15 (S3).
2).

At the same time, the customer guidance screen is displayed as "Your transaction is no longer possible. Please press the staff call button."
Speak voice from 2a.

As the transaction history, the iris data that does not match the iris data of the customer A is stored in the storage unit 15.

Next, the withdrawal process will be described. FIG. 8 is a flow chart showing a withdrawal process in the automatic transaction system of the present invention. Explaining each step, first, as shown in FIG. 1, when the customer A approaches the front of the ATM 1 before the transaction, the approach detector. It is notified by 17 that the customer A has entered the predetermined distance range of the ATM 1, and the customer guidance screen is displayed on the customer service section 11 as shown in FIG. Here, the customer A selects "withdrawal" (S41).

At the same time, the main controller 18 controls the video processor 14
A shooting instruction is issued to the video shooting unit 13 through the video shooting unit 13, and the video shooting unit 13 collects surrounding moving image data, compares it with moving image data of several frames before, and detects a portion accompanied with a change in this moving image data. . Detecting such a portion, collecting iris data by the method described in the depositing process (S42), performing image processing and transmitting to the host computer 20, and
It is also stored in the storage unit 15 of the ATM 1.

Based on this iris data, the customer information is retrieved from the account ledger file of the storage device 21 connected to the host computer 20, and if there are a plurality of accounts,
All the customer names, account numbers, deposit and savings balance information, account opening store names, etc. are returned to the ATM 1.

At the ATM 1, the customer A's account number, account opening store name, etc. are displayed on the customer service section 11 as shown in FIG. 9 (S43). It is also possible to display a customer guidance screen as shown in FIG. 12 or display a financial institution name or the like when connected to another financial institution through a network.

Here, the processing when the customer A possesses the ID card 3 and inserts it through the card insertion return port 2a will be described. When it is detected that the customer A has inserted the ID card 3, the inserted ID card 3 is taken into the card processing unit 2 and the stored information is read before or after the transaction selection instruction is input. Control (S4
4). If the ID card 3 is allowed for transactions by this reading operation, the read customer information is transmitted to the host computer 20 (S45).

The host computer 20 retrieves the corresponding customer information from the account ledger file of the connected storage device 21, and if the customer A coincides with the iris data, the customer A name, account number, deposit and savings balance information. AT
Reply to M1.

When the ID card 3 is inserted in this way, the account can be limited from the ID card information so that the ATM can be used.
In the case of 1, only one account number of the customer A (only the corresponding account) is displayed on the customer service section 11.

When the host computer 20 searches for the corresponding customer information from the account ledger file of the connected storage device 21, if the iris data does not exist in the storage device 21 (is not registered). There is.
In this case, the host computer 20 sends an instruction to shift to the process of inputting the personal identification number in the ATM 1,
Although the customer guidance screen is displayed as described in 3, the description thereof will be omitted because it becomes a publicly known means similar to the conventional one.

Then, when a plurality of customer accounts are displayed on the screen, the accounts to be traded are selected and the withdrawal amount is prompted. At this time, customer A displays “# 024
680 Toranomon Branch ”and“ # 036925 Shimbashi Branch ”When you input instructions to withdraw from two accounts, the customer guidance screen is displayed as shown in FIG.

When the customer A sees the display of the customer guidance screen, FIG.
As shown in (a), if you press "35,000, 5,000, confirm", the blinking cursor moves to "# 036925 Shimbashi branch", and customer A displays "5. If you enter "Million Confirmation", "85,000 yen" is displayed in the "Total Withdrawal Amount" column on the right side of the same screen display of FIG. 10B (S46).
Then, in response to the “confirmation” input by the customer A, the banknote pay-in / pay-out unit 8 sequentially pays out eight ten-thousand yen tickets and five thousand-yen tickets and conveys them to the customer service port 8a (S47).

The main control unit 18 gives an instruction to re-acquire the iris data of the customer A in parallel with the bill feeding instruction (S48),
The collected iris data and the storage unit 1 collected at the start of the transaction
Collation with the iris data stored in S5 is performed (S4
9).

As a result of the collation, if the iris data match, the paid-out bill is paid. In this case, the detailed statement processing unit 6 prints the transaction details on the detailed transaction statement 7 and conveys it to the customer service port 8a (S50), and if the transaction has the ID card 3 inserted, it is stored in the card processing unit 2. The held ID card 3 is conveyed to the card insertion return port 2a and returned to the customer (S51).

When the removal of the ID card 3 by the customer A is confirmed by the detection means (not shown), the shutter 10a of the customer service port 8a is opened (S52) to enable the removal of bills. As a result, when the detection means (not shown) confirms that the customer A has taken out the bill (S53), the shutter 10
a is closed (S54).

When the above operation is completed, the customer guidance screen is displayed, "Thank you. Please be careful, please return home.", And utter a similar message. On the other hand, the main control unit 18 is the host computer 2
When the transaction end signal is sent to 0 with the transaction data, the host computer 20 updates the account ledger file in the storage device 21 (S55).

Next, the case where the iris data in step 49 do not match will be described. This takes into consideration the safety of unmanned stores of financial institutions, which are increasing rapidly in recent years. In this case, it is determined that the customer has been replaced during the transaction, and the transaction is interrupted.

The bills are conveyed to the service port 8a,
Since the shutter 10a is closed, the bills cannot be taken out. In this state, the transaction is temporarily suspended (S56), and the customer guidance screen display shows "Transaction with Mr. XX" or "Cancel the transaction." Are you sure you want to cancel? "Is displayed, and the customer A is asked to confirm whether or not to cancel (S57).

When the customer A chooses to continue the processing, the iris data is collected again (S58) and collated in the same manner as described above (S5).
9) Step 5 if it is confirmed that the customer A is who he / she is
Move to 1. If the iris data is collected and collated again and it is determined that the customer is not the customer A himself, the banknotes conveyed to the customer service port 8a are returned to the banknote deposit / withdrawal section 8 (not shown) for storing denominations (S60).

Then, the customer guidance screen display is set to "Your transaction is no longer possible. Please press the staff call button.", And a voice is generated with the same wording. On the other hand, in the statement processing unit 6, the transaction statement 7 is printed such as "I can't make a transaction because I can't confirm it with the person himself"
It is conveyed to a and the shutter 10a is opened (S61).

At the same time, if the transaction involves insertion of the ID card 3, the ID card 3 in the card processing unit 2 is conveyed to the card insertion return port 2a and returned to the customer A (S62).

[0067]

The present invention described above has the following effects. Since the ID card can be eliminated, consideration for loss and damage and consideration for leakage of the personal identification number are completely unnecessary, and the customer is not bothered.

Since the iris data is used to recognize the customer, the identification ability can be greatly enhanced, and the iris data of the customer can be collected and verified during the transaction to identify the customer until the end of the transaction. It is possible to provide an expensive automatic transaction device.

For customers who do not have pre-registered iris data, transactions by ID card, which is a conventional technique, are allowed, and thus there is an effect that the service is not deteriorated.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing the concept of a transaction in an automatic transaction device of the present invention.

FIG. 2 is an external view of the automatic transaction device of the present invention.

FIG. 3 is a control block diagram of the automatic transaction device of the present invention.

FIG. 4 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 5 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 6 is an explanatory diagram of an input operation of the present invention.

FIG. 7 is a flowchart showing a deposit process in the automatic transaction system of the present invention.

FIG. 8 is a flowchart showing a withdrawal process in the automatic transaction system of the present invention.

FIG. 9 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 10 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 11 is an explanatory diagram of an input operation of the present invention.

FIG. 12 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 13 is an explanatory diagram showing a display example of a conventional customer guidance screen.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 2 Card processing part 2a Card insertion return port 8 Banknote deposit / withdrawal part 8a, 9a Customer service port 11 Customer service part 15 Storage part 16 Interface part 17 Proximity detector 18 Main control part 19 Power supply part 20 Host computer 21 Storage device

Claims (8)

[Claims] 1. An automatic transaction device that has a video processing unit that processes an iris image of a customer captured by a video capturing unit into iris data, identifies a customer from the iris data, and then executes a transaction with the customer. In the above, a storage unit for storing the iris data collected at the start of the transaction and a collating unit for the iris data are provided, and the iris image processed and processed again during the transaction is stored in the storage unit. An automatic transaction device characterized by collating with existing iris data and proceeding with a transaction only when the iris data matches. 2. The automatic transaction device according to claim 1, wherein a withdrawal means for paying out and withdrawing money from a money storage, a customer service entrance for paying the withdrawn money, and a money withheld in the customer service opening. An automatic transaction device, comprising: a shutter that enables an extraction operation by an opening operation, and does not perform the opening operation of the shutter when the collation results of the iris data collected during the transaction do not match. 3. The automatic transaction apparatus according to claim 1, further comprising: a temporary holding unit that takes in the money inserted from the customer service port and temporarily holds the counted money, and holds the money in the temporary holding unit. The iris data is sampled again when a transaction stop is input in the state of being held, collated with the iris data stored in the storage unit, and money is returned only when the iris data match. Automatic transaction equipment. 4. The automatic transaction device according to claim 2, wherein a forgotten money storage for taking in the money to be dispensed and a temporarily holding the counted money for taking in the money input from the customer service port. A holding section is provided, and when input of a transaction stop is made in a state where money is held in the temporary holding section, iris data is sampled again and collated with the iris data stored in the storage section. If the iris data do not match, money is taken into the forgotten money storage box. 5. The automatic transaction apparatus according to claim 2, further comprising a customer service section capable of displaying a customer guidance screen and inputting transaction instructions, and a transaction statement issuing section, wherein the money held in the customer service port is An automatic transaction apparatus, which displays transaction inability on a customer guidance screen of the customer service section and issues a transaction statement from the customer service port after returning to the delivered money storage. 6. A customer service section capable of displaying a customer guidance screen and inputting transaction instructions, and a video processing section for processing an iris image of the customer photographed by a video photographing section into iris data. And an upper-level device that stores and manages customer iris data, a transaction account number, and deposit / savings balance information, and the automatic transaction device. In the automatic transaction system in which the above-mentioned upper device is connected via a communication line, the automatic transaction device transmits the iris data of the customer collected at the start of the transaction to the upper device through the communication line, and is stored and managed by the upper device. Matching with the iris data of the existing customer, and returns all the transaction account information from the iris data for which the verification results match to the automatic transaction device, and the transaction account information is returned to the customer service section. Automatic transaction system and executes a transaction with the display, and dealing instruction input transaction accounts. 7. The automatic transaction system according to claim 6, wherein the automatic transaction apparatus is provided with a card processing unit for reading a customer identification card in which customer identification information is stored, and the customer identification read from the customer identification card. An automatic transaction system, wherein information is transmitted to a higher-level device, and the higher-level device returns only relevant transaction account information to the automatic transaction device. 8. A customer service section capable of displaying a customer guidance screen and inputting transaction instructions, a card processing section for reading customer information from an inserted customer identification card, an iris image of an iris image of a customer photographed by a video photographing section. An automatic transaction device that has a video processing unit for processing and identifies a customer from the iris data, and then executes a transaction by inputting a transaction instruction from the customer service unit, an iris data of the customer, a transaction account number, and a deposit / saving balance. An automatic transaction system including a host device for storing and managing information, wherein the automatic transaction device and the host device are connected by a communication line, wherein the iris data of the customer collected at the start of the transaction by the automatic transaction device is transmitted through the communication line. The iris data of the customer stored and managed by the host device, and the matching iris data is stored as a result of the matching. An automatic transaction system characterized by executing a transaction using the customer identification card when there is no such transaction.