JPS63124168A - Transaction processor - Google Patents

Abstract

PURPOSE:To enable >=2 persons to share an account via a family card, etc., in accordance with demand of the account owner by providing plural fingerprint collation data memory areas to store the identification numbers and the collation data in pairs into a fingerprint data file. CONSTITUTION:A fingerprint data file 30 contains an area m1 where an account number is stored for each account, an area m2 where the number of registered data is stored, and plural fingerprint collation data memory areas m3-1-m3-3 where the identification numbers and the fingerprint collation data are stored in pairs. In a fingerprint collation mode, the fingerprints of transactors are read by a fingerprint reader and collated with the corresponding fingerprint data. That is, the fingerprint data of the areas m3-1-m3-3 are read out and collated with the fingerprints of the transactors. When coincidence is obtained from said collation, the corresponding individual collation data are registered and the transaction processing is carried out. Thus >=2 persons can share an account by means of a family card, etc., in accordance with the demand of the account owner by using plural memory areas to store the fingerprint collation data.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application The present invention relates to transaction processing devices such as automatic cash dispensers and automatic teller machines, and particularly to transaction processing devices having a feature of identity verification.

(B) Conventional Technology Generally, some transaction processing devices such as automatic cash dispensers and automatic teller machines permit transactions by inputting a personal identification number or the like and verifying the person's fingerprint. In this type of fingerprint verification, the fingerprint of the account owner is registered in advance in the data file of each account, and at the time of transaction, the fingerprint of the transaction person is read with a fingerprint reader and registered and stored in the data file. The fingerprint data read by the customer is compared with the fingerprint data read, and if a match is found, the transaction is permitted.

(c) Problems to be solved by the invention The above-mentioned conventional identity verification using fingerprint verification is performed for each account.
This system stores the fingerprints of the account holders as data, and also checks the fingerprints with those of the transacting parties.Only one person's fingerprints are registered and stored for one account. As a result, the account could not be used by family members other than the person himself/herself, which led to some disputes over the inconvenience.

In view of the above, it is an object of the present invention to provide a transaction processing device employing fingerprint verification that allows two or more persons to share the account using a family card or the like, depending on the needs of the account holder.

(d) Means and operation for solving the problem The transaction processing device of the present invention registers and stores the fingerprint data of the account holder in the data storage section of each account in advance, and stores the fingerprint data of the transaction person at the time of transaction. A transaction is permitted if the fingerprint is read by a reader and the fingerprint data is matched with the fingerprint data, and the data storage section of each account is provided with a plurality of fingerprint data storage areas, and one account can store the fingerprints of multiple people. Data is registered and stored, and the transaction is permitted if the transaction's fingerprint is matched with any of the plurality of fingerprint data.

In this transaction processing device, if a person other than the account holder, such as a family member, registers his or her fingerprint on the account, when a person other than the account holder makes a transaction, the fingerprint will be registered as that of that transaction. The fingerprint data can be matched with any of multiple fingerprint data, and transactions can be made, allowing multiple people to make transactions such as cash payments.

(E) Examples The present invention will be explained in more detail with reference to Examples below.

FIG. 2 is a schematic configuration diagram of a system in which the present invention is implemented, in which an automatic cash dispensing/deposit machine 1.1 is provided as a terminal device, and this automatic cash dispensing/deposit machine 1. The host CPU 20 is coupled to the host CPU 20, and the host CPU 20 is further provided with a fingerprint data file 30. In this fingerprint data file 30, fingerprint data for each account is registered and stored, as will be described later. Further, as shown in FIG. 3, the internal configuration of the automatic cash dispensing/depositing machine 1 is as shown in FIG. Display 7, fingerprint input device 8, CPU 9, ROMIOlR
AMII, floppy disk/hand disk 12,
It has a built-in card reader 14, etc., and is configured so that data is exchanged between the host CPU 20 and the line 15 via the NCU/modem 13.The internal device configuration itself is different from the conventionally well-known configuration, in particular. There is nothing that will change. Note that the fingerprint input device 8 is equipped with a known fingerprint reader.

In this invention, from the NCU/modem 13 to the host CPU 20
The storage area for fingerprint data exchanged with the fingerprint data file 30 through the fingerprint data file 30 is unique.

Now, to explain this fingerprint data file,
As shown in FIG. 4, an area ml for storing an account number in one account, an area m2 for storing the number of registered data, and a plurality of fingerprint verification data storage areas m for storing a PIN number and fingerprint verification data as a pair. ,-1,m 3-1,...,m,
3-. For example, in Figure 4, r85005
Focusing on the account number of 0J, this account number r8500
In 50J, the number of registered data in the storage area m2 is 3, and the storage areas mff-, , m3-, , m,-3 contain the personal identification number r21584, its fingerprint verification data, and the individual as verification data for the individual A1.

The personal identification number r0624J and its fingerprint identification data are stored as matching data for the individual A, and the identification number rL428J and its fingerprint matching data are stored as matching data for the individual A. Therefore, for this account number, 3
A plurality of fingerprint data of each person's name is stored, and the account number is configured so that each of the three traders can make transactions individually. Account number r850
051'', there are two registered traders.

Next, the software configuration and operation of the automatic cash dispensing/deposit machine of this embodiment will be explained with reference to the flowchart shown in FIG.

The automatic cash dispensing/deposit machine 1 first displays "Please enter your account number 1" on the CRT display 7 [step ST (hereinafter referred to as ST) 1].

A trader who sees this enters his or her account number on the key machine 6.
However, the device waits for the input of this account number (Sr2), and when the account number is input, it then inputs C.
``Please enter your password'' is displayed on the RT display 7 (Sr3).

The trader who sees this display will then enter his or her personal identification number. The device waits for this PIN to be entered (S
r1), When the PIN number is input, check whether the input PIN number is correct5T5).If the PIN numbers match, it is OK, and the screen moves from Sr1 to Sr1, and the screen ``Enter your fingerprint.'' If the passwords do not match, the determination of Sr1 is No, resulting in one error, and it is further determined at 5T18 whether or not an error has occurred in N collection. If an error occurs more than the specified number of times, the STI returns to STI and the message "Please enter the account number" is displayed again, but if no error occurs more than N times, Sr3 You will be returned to the screen and wait for your PIN to be entered.

If the PIN is OK in Sr1, as mentioned above,
At Sr1, the message "Please enter your fingerprint" is displayed on the CRT display 7, so the transaction person inputs the fingerprint input device 8.
The user places his or her finger in the fingerprint reader, and the fingerprint reader waits for this fingerprint to be input (Sr8). When a fingerprint is input and read by a fingerprint reader, the fingerprint data of the corresponding account is then searched and compared. For example, if the account number r850050J shown in FIG.
Read the fingerprint data of areas m3-3, m3-2, m, -3 and compare it with the transaction person's fingerprint read by the fingerprint reader.5
T9) Determine whether there is matching data (STIO
), - If there is no loss data, it is determined that there is an error, and the process moves to 5T19, and if an error has occurred N or more times, that is, a predetermined number of times or more, the transaction is rejected and the process returns to STI. S if no errors occur more than the specified number of times.
Return to r1 and guide the fingerprint verification input again.

In 5T10, if any one of the fingerprint data matches, the determination as to whether there is matching data becomes YES, and then it is determined whether the matched data matches the data in the storage area m3-, that is, the fingerprint data of the individual A1. If the fingerprint matches the fingerprint of individual A, the transaction name of this time is A.
, and perform general transaction processing such as deposits and withdrawals (ST17).

If the fingerprint match matches not the fingerprint of individual A but the data in the storage area m34, that is, the fingerprint data of individual A2, the determination in 5T13 becomes YES, and in this case, the transaction name of this time is set as At. For the record, 5T14), and thereafter, similar transaction processing is executed (ST17). Furthermore, if the data matches the fingerprint data of the storage area m3-2, that is, the fingerprint data of the individual A3 (An) instead of the individual AI, A t, the determination in 5715 becomes YES, and the current transaction name is changed to Az (An). ), and transaction processing is executed (ST17).

In this way, when fingerprint verification is performed and the fingerprint matches any of the fingerprint data previously stored in the fingerprint data storage area of the account, the transaction is permitted, the transaction name is recorded, and the transaction is processed. Since the transaction is executed, any registered person can make a transaction, and it is always clear who made the transaction.

In the above embodiment, the fingerprint data for verification is stored in a data file on the center side, but the present invention is not limited to this, and the present invention can be stored in a memory provided on the automatic cash dispensing/deposit machine side, that is, on the terminal device side. You can also store it in
It may be stored in a card or the like held by each registrant.

(F) Effects of the Invention According to this invention, a plurality of fingerprint data storage areas are provided in advance in the fingerprint data storage area for each account, fingerprint data of a plurality of traders are registered and stored, and these data are stored at the time of transaction. If one of the multiple traders performs fingerprint verification, the verification is successful and the transaction is permitted, so one account can be shared by multiple people, such as a family member, and transactions are not permitted for other people. So you can conduct safe and convenient transactions.

Furthermore, it is possible to record not only which card was used to make a transaction, but also who made the transaction, which is effective for thorough management and trouble prevention.

[Brief explanation of the drawing]

FIG. 1 is a flow diagram for explaining the verification processing operation of an automatic cash dispensing/deposit machine according to an embodiment of the present invention, FIG. 2 is a schematic configuration diagram of a system in which the present invention is implemented, and FIG. ,
FIG. 4, which is a diagram showing a schematic configuration of an automatic cash dispensing/deposit machine of the same system, is a memory map showing an example of a fingerprint data file of the same system. 1: Automatic cash dispensing/deposit machine, 6: Input device section, 7:
CRT display, 8: Fingerprint input device, 9: Terminal C
PU, 20: host CPU. 30: Fingerprint data file. Patent applicant Tateishi Electric Co., Ltd. Agent
Patent Attorney Shigeru Nakamura Figure 2

Claims (1)

[Claims] (1) Fingerprint data of the account holder is registered and stored in the data storage unit of each account in advance, and at the time of transaction, the fingerprint of the transactor is read with a fingerprint reader, and a comparison between the read fingerprint and the fingerprint data is obtained. For example, in a transaction processing device that permits transactions, a plurality of fingerprint data storage areas are provided in the data storage section of each account, fingerprint data of a plurality of people are registered and stored in one account, and the fingerprint data of a transaction person and the plurality of fingerprints are registered and stored in one account. A transaction processing device that permits a transaction if a match is obtained with any of the fingerprint data.