JPH10240931A - Collating system and its method at banking facility - Google Patents

Abstract

PROBLEM TO BE SOLVED: To unnecessitate a seal etc., and to surely prevent illegal transaction by forgery in collating at the time of banking transaction. SOLUTION: At the time of registering individual information to a banking facility, the fingerprint of the registered person is read by an image scanner 11. An A/D converter 12 converts image information on this read information. CPU 14 stores this read image information in a data base 13. Then, at the time of banking transaction between a banking facility and a transacting person, the fingerprint of the transacting person is read by the scanner 11. The converter 12 converts this read information to image information. CPU 14 discriminates the identify of this converted image information and image information stored in the data base 13 corresponding to the transacting person to collate the registered person and the transacting person.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a method for determining the identity between information presented by a trader and information registered with the financial institution in the case of deposits and the like made between the financial institution and the trader. In addition, the present invention relates to a matching system and a matching method of a financial institution that performs matching based on physical characteristics instead of matching using a seal.

[0002]

2. Description of the Related Art Conventionally, when opening an account at a bank, the seal imprint of the notification seal is registered with the bank. When a bank is used to withdraw a deposit using a passbook, a payout slip with a registered seal is submitted to the bank. Then, on the bank side, it is visually determined whether or not the seal imprint of the registered notification stamp and the seal imprint of the notification stamp pressed on the payout slip are the same. That is, when a bank is used to withdraw a deposit from a bank, a notification stamp is required. In Japan, a seal is widely used not only for banks and other financial institutions but also for various transactions according to conventional customs and laws in order to clarify the responsibility.

[0003]

However, in the above-mentioned conventional method, since it is common for a trader to make a transaction with a plurality of banks, it is unclear which bank has registered which seal. There was a problem. In addition, when the deposit is withdrawn, the bank visually checks the imprint of the registered seal, and therefore, there is a problem that when the forged imprint is sophisticated, it cannot be visually determined.

[0004] Therefore, there have been cases where the passbook is stolen and the cash is illegally withdrawn. In this case, (1)
The stamp is forged based on the seal imprint displayed on the passbook, and the forged seal is stamped on the payout slip, or (2) the seal imprint of the passbook notification seal is color-copied on the payout slip. Is being done.

[0005] Here, a copy-forgery-inhibited pattern printing is performed on the imprint area of the passbook report stamp, or after the report stamp is imprinted on the passbook, a protective film is attached to protect the imprint and the color of the protective film is darkened. For example, a method of making it difficult to duplicate an imprint by color copying, for example, by putting a pattern on a protective film or the like is adopted. However, with the development of image processing technology today, there are cases where imprints are precisely duplicated.

[0006] It is an object of the present invention to eliminate the need for a seal or the like in verification at the time of financial transactions and to reliably prevent fraudulent transactions due to forgery.

[0007]

According to a first aspect of the present invention, there is provided a method for registering personal information with a financial institution, which recognizes predetermined physical characteristics of the registrant. Recognition means, first information conversion means for converting the physical characteristics recognized by the first recognition means into encoded information, and storing the encoded information converted by the first information conversion means Information storage means, and a second recognition means for recognizing the predetermined physical characteristics of the trader when a financial transaction is performed between the financial institution and the trader;
The physical feature recognized by the second recognition means,
A second information conversion unit that converts the information into encoded information; and determining whether the information converted by the second information conversion unit is identical to the information stored in the information storage unit corresponding to the trader. And a matching unit for matching the registrant with the trader.

According to a second aspect of the present invention, when personal information is registered in a financial institution, first reading means for reading a fingerprint of the registrant, and information read by the first reading means are converted into image information. A first information conversion unit that performs conversion, a storage unit that stores information converted by the first information conversion unit, and a fingerprint of the trader when a financial transaction is performed between the financial institution and the trader. A second reading means for reading the information, a second information converting means for converting the information read by the second reading means into image information, an information converted by the second information converting means, And a matching means for matching the registrant with the trader by determining the identity of the information stored in the information storage means.

According to a third aspect of the present invention, when registering personal information with a financial institution, a predetermined physical characteristic of the registrant is recognized, and information obtained by encoding the physical characteristic is registered in a database. When a financial transaction is performed between the financial institution and a trader, the predetermined physical characteristics of the trader are recognized, the physical characteristics are encoded, and the information and the information The registrant is collated with the trader by determining the identity with the information registered in the database.

[0010] According to a fourth aspect of the present invention, when registering personal information at a financial institution, a fingerprint of the registrant is read, and the fingerprint is registered as image information in a database. When financial transactions take place between
By reading the fingerprint displayed on the financial transaction medium of the trader and determining the identity between the image information of the fingerprint and the image information registered in the database corresponding to the trader, It is characterized in that the transaction is collated with the trader.

[0011] In the invention of claim 1 or claim 3,
When registered with a financial institution, information encoding the physical characteristics of the registrant is registered. Then, when a trader makes a transaction with a financial institution, the physical characteristics of the trader are recognized, encoded, and the identity with the registered information is determined. Then, based on the determination result, whether or not the financial transaction is possible is determined.

In the invention of claim 2 or claim 4,
When registered with a financial institution, the fingerprint of the registrant is registered as image information. Then, when the trader makes a transaction with the financial institution, the fingerprint of the trader is read, and the identity of the image information of the fingerprint and the registered image information is determined. Then, based on the determination result, whether or not the financial transaction is possible is determined.

[0013]

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a collation system 10 in a financial institution according to one embodiment of the present invention. The collation system 10 registers a fingerprint of the registrant when opening an account at a bank, and performs collation using a fingerprint when a deposit is withdrawn.

The image scanner 11 is for optically reading a fingerprint (image) of a person when registering with a bank or when debiting a deposit. A /
The D converter 12 is for performing A / D conversion on an image read by the image scanner 11.

The database 13 stores the image scanner 1
The fingerprint read in 1 is stored as image information, and is a hard disk, a ROM, a magneto-optical disk, or the like. The CPU 14 controls the operation of the collation system 10 such as the reading operation of the image scanner 11 and the storage in the database 13 and determines the identity of the fingerprint image information.

FIG. 2 is a flowchart showing the flow of processing when a customer opens an account at a bank. First, a person who opens an account at the bank presses his / her fingerprint on a predetermined column of the account opening slip and submits the account opening slip to the bank. And
On the bank side, the fingerprint image pressed on the account opening slip is
It is optically read by the image scanner 11 (step 1). Subsequently, the CPU 14 controls the image scanner 11
The A / D converter 12 converts the fingerprint image read in step 2 into image information (step 2). Then, the image information is stored in the database 13 (step 3). In the database 13, the fingerprint image information is stored in association with the person's attribute information (such as an account number).

FIG. 3 is a flowchart showing the flow of processing when a person who has an account at a bank withdraws a deposit from the account. Here, a debit is shown when a cash card is not used. First, the person who withdraws the deposit writes the withdrawal amount and the like on the withdrawal slip, presses his fingerprint, and submits the withdrawal slip to the bank. Then, on the bank side, the image of the fingerprint pressed on the payout slip is optically read by the image scanner 11 (step 11). Subsequently, the CPU 14 converts the fingerprint image read by the image scanner 11 into image information by the A / D converter 12 (step 12).

The CPU 14 selects the image information of the fingerprint of the person corresponding to the person who withdraws the deposit from the database 13, compares the selected image information with the image information converted in step 12, and determines the identity. Determine (Step 1
3). The determination of the identity is made based on the degree of matching information among the image information. This is the same as a conventionally known fingerprint collation method. Step 13
If it is determined that is the same, the process proceeds to step 14 to perform a payout process. On the other hand, if it is determined in step 13 that they are not the same, the process ends without performing the payout process.

According to the above processing, when a person who has opened an account withdraws a deposit using a payout slip, the account is collated with a fingerprint. That is, unlike the related art, the collation based on the imprint of the notification stamp is not performed. Therefore, it is possible to eliminate the need for a seal when withdrawing a deposit. Also,
It is possible to reliably prevent the notification stamp from being forged and the deposit being illegally withdrawn.

Further, since it is not necessary to display the seal imprint of the report stamp on the passbook, the display area of the report stamp of the passbook can be eliminated. Today, a magnetic recording unit (magnetic stripe) is provided on a part of the cover of a passbook, and information such as personal information and the last printed page is recorded on the magnetic recording unit. And
By providing this magnetic recording portion, a step is formed on the back surface side (return surface side), so that there is a limitation that an imprint display region of a notification mark cannot be provided in that region. However, such a problem does not occur unless it is necessary to display the seal of the notification stamp on the passbook.

Next, another embodiment of the present invention will be described. (1) Instead of the above-mentioned fingerprint, the collation can be performed by a voice print. For example, when opening an account at a bank, the voice of the registrant is recognized, converted into a voiceprint by a conventionally known frequency analyzer or the like, and registered in the database 13. When the deposit is withdrawn, the voice of the person to be withdrawn is recognized, converted into a voiceprint as described above, and the identity of the voiceprint is determined.

(2) The collation can also be performed based on the iris of the pupil. Similarly to the above, at the time of opening an account, the iris of the pupil of the person is recognized, converted into coded information, and registered in the database 13. Then, when the deposit is withdrawn, the iris of the person is recognized, converted into coded information, and the identity of the information is determined.
(3) Furthermore, it is also possible to use a handprint instead of the fingerprint described above.

The embodiment of the present invention has been described above. However, the present invention is not limited to the above-described embodiment, and various modifications as described below are possible within an equivalent range. (1) In the above embodiment, when registering with a bank, a fingerprint or the like of only the person is registered. However, not only the person himself / herself, but also a person's spouse or family members may be registered together. In this way, the registered spouse and the like can be checked, so that the spouse and the like can withdraw the deposit using a payout slip or the like.

(2) In the above embodiment, the case where the deposit is withdrawn using the payout slip has been described.
Even when M (automatic teller machine) is used, collation can be performed using a fingerprint or the like. For example, a device capable of optically reading a fingerprint is mounted on an ATM, an image of the fingerprint of the person is read, the image is converted into image information, and the image information is transmitted to a host computer on the bank side online.
The host computer determines the identity of the fingerprint image information stored in the database 13 and identifies the result as AT
Return to M.

[0025]

According to the present invention, it is possible to eliminate the use of a seal or the like in collation at the time of a financial transaction, and to save labor in office work. Further, it is possible to reliably prevent illegal transactions caused by forgery of the seal imprint. Furthermore, since there is no need to display the seal of the notification stamp on the passbook, the display area of the notification stamp of the passbook can be eliminated, space can be effectively used, and the arrangement of the magnetic recording unit provided in the passbook conflicts. Can be eliminated.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a collation system 10 according to an embodiment of the present invention.

FIG. 2 is a flowchart showing the flow of processing when a customer opens an account at a bank.

FIG. 3 is a flowchart showing a processing flow when a person who has provided an account at a bank withdraws a deposit from the account.

[Explanation of symbols]

 Reference Signs List 10 collation system 11 image scanner 12 A / D converter 13 database 14 CPU

Claims (4)

[Claims] When registering personal information with a financial institution,
First recognition means for recognizing predetermined physical characteristics of the registrant; and the physical characteristics recognized by the first recognition means,
First information conversion means for converting into encoded information; information storage means for storing the encoded information converted by the first information conversion means; and a financial transaction between the financial institution and a trader. A second, when performed, recognizing the predetermined physical characteristic of the trader.
Recognizing means, the physical feature recognized by the second recognizing means,
A second information conversion unit that converts the information into encoded information; and determining whether the information converted by the second information conversion unit is identical to the information stored in the information storage unit corresponding to the trader. And a collating means for collating the registrant with the trader. 2. When registering personal information with a financial institution,
First reading means for reading the fingerprint of the registrant, first information converting means for converting information read by the first reading means into image information, and storing information converted by the first information converting means. Information storage means, a second reading means for reading a fingerprint of the trader when a financial transaction is performed between the financial institution and the trader, and information read by the second reading means, A second information conversion unit that converts the information into information; and determining whether the information converted by the second information conversion unit is identical to the information stored in the information storage unit corresponding to the trader. A matching system in a financial institution, comprising: matching means for matching a registrant with the trader. 3. When registering personal information with a financial institution,
Recognizing a predetermined physical characteristic of the registrant, registering information obtained by encoding the physical characteristic in a database, and when a financial transaction is performed between the financial institution and a trader, the transaction By recognizing the predetermined physical characteristics of the person, encoding the physical characteristics, and determining the identity between the information and the information registered in the database corresponding to the trader, thereby identifying the registrant. A matching method in a financial institution, wherein the matching is performed with the trader. 4. When registering personal information with a financial institution,
The fingerprint of the registrant is read and the fingerprint is registered in a database as image information, and when a financial transaction is performed between the financial institution and the trader, the fingerprint is displayed on the financial transaction medium of the trader. By reading a fingerprint and determining the identity between the image information of the fingerprint and the image information registered in the database corresponding to the trader, comparing the registrant with the trader. The matching method used by financial institutions.