KR100805280B1 - Biometric Authentication Automatic Transaction Device - Google Patents

Abstract

The present invention relates to an automatic transaction device for biometric authentication, and the IC chip of the IC card that registers biometric information can register finger veins or fingerprints up to 10 points in total, corresponding to each finger with a value of 0 to 9 for each finger. Let's do it. In addition, processing inputs such as the selection input of the transaction subject or processing confirmation such as "confirmation" and "correction" are also registered corresponding to each finger. In this way, the IC chip of the IC card can be used as a translator so that customers can continue to input non-numeric values simply by placing their fingers on the ATM's finger reading device. Being able to trade while listening to voice guidance provides a desirable technique.

Description

Automatic authentication device for biometric authentication {AUTOMATED TELLER MACHINE USING A BIOMETRICS}

1 is a block diagram of a biometric authentication system in an ATM according to the present embodiment.

2 is an external view of a card on which an IC chip is mounted.

3 is an example of a service function embedded in an IC chip.

4 is a system configuration diagram when a customer uses ATM.

5 is a data format diagram of an account ledger stored in a host.

6 is a data format diagram of biometric information stored in an IC chip.

7 is a data format diagram of biometric information stored in an IC chip.

8 is an example of a transaction processing flowchart according to the present embodiment.

9 is an example of a transaction selection screen displayed by ATM.

10 is an example of a password authentication number input screen displayed by ATM.

11 is an example of a password authentication number confirmation screen displayed by ATM.

12 is an example of a withdrawal amount input screen displayed in ATM.

13 is an example of a transaction processing flowchart according to the present embodiment.

The technical field relates to an automatic transaction apparatus installed in a financial institution, and more particularly, to an automatic transaction apparatus having a biometric function of conducting a transaction after confirming identity by reading biometric information of a customer.

In a financial transaction conducted between a financial institution and a customer, the financial institution starts the transaction after the customer's identity verification. For example, in the case of a transaction in an ATM, identity verification is performed using a cash card and a password authentication number. In recent years, damages caused by the use of stolen cards and counterfeit cards have increased in transactions with financial institutions, and in particular, there is a strong demand for improved security for transactions with automatic trading devices.

As a method for improving security, a biometric authentication system that registers biometric information such as a fingerprint or finger vein pattern of a customer on an IC chip of a card issued by a financial institution and confirms and authenticates the identity from the biometric information read has begun to be put into practical use. . In such a biometric authentication system, even if a password authentication number is illegally known to a malicious person by looking through it, security can be secured because authentication is performed with biometric information unique to a regular customer.

As an application example of the biometric authentication system, a device which executes a process having a meaning for each finger by using a fingerprint as biometric information has been proposed (Patent Document 1 (Japanese Patent Laid-Open No. 2001-265915); Patent Document 2 (Japan)). Japanese Patent Laid-Open No. 2001-274897), and Patent Document 3 (Japanese Patent Laid-Open No. 2002-41169).

In general, the automatic trading device is installed to use not only normal people but also visually impaired people. There has been provided a tactile symbol provided around a 10-key hand set or a touch panel as an operation assistance means when a visually impaired person trades with an automatic trading device. When a visually impaired person inputs transaction information by using them, various types of information can be input by holding the hand set in hand and pressing 10 keys or touching a tactile symbol at the touch panel before it. However, even if the visually impaired person was exposed to the malicious person by pressing the 10 key of the handset or touching the tactile symbol, the visually impaired person did not realize and was not desirable for crime prevention.

Conventionally, countermeasures for password protection, such as entering a password number or amount of money, have been spreading to the public. In particular, as a security countermeasure especially when a visually impaired person operates, few effects can be expected.

On the other hand, Patent Documents 1 to 3 use the biometric authentication function not only for simple personal identification but also for the operation of inputting other information. In other words, Patent Literature 1 registers "Approval", "Sir" and "Hold" for each fingerprint of the administrator to secure the security of the PC and to shorten the payment processing time in the workflow. In Patent Document 2, a fingerprint reader is attached to a cellular phone, and a corresponding finger is read for each telephone number and automatically sent. In Patent Document 3, a program corresponding to a read finger is selected and started / ended in order to secure the security of the PC.

None of the known technologies, however, considers specific transaction operations in financial institutions, such as entering numerical values such as cryptographic authentication numbers or amounts in automatic transaction devices, or selecting transaction details, and prevents malicious peeking in various operations. It was not considered from the point of view. In other words, the above-mentioned well-known techniques are not only the processing of each finger in the biometric authentication technique using fingerprints, but are also normal in the automatic transaction device, and the use of the visually impaired is also assumed. It was difficult to realize the secured structure.

SUMMARY OF THE INVENTION An object of the present invention is to provide an automatic transaction apparatus that secures security by presuming not only normal persons but also operations of the visually impaired and preventing peeking.

The IC chip of the IC card that registers biometric information can register up to 10 finger veins or fingerprints in total, so that each customer registers a value of 0 to 9 corresponding to each finger. In addition, processing inputs such as selection inputs of transaction subjects and "confirmation" and "correction" are also registered corresponding to each finger. It is also possible to freely set which finger corresponds to which numerical value or processing in these registrations for each customer. This allows the customer to enter a cryptographic authentication number, withdrawal amount or transaction selection using a touch panel, etc., by simply placing a finger on the biometric information reading device of an ATM. . In other words, the present invention functions the IC chip mounted on the IC card as a converter such as an input command.

In addition, the finger information reading device and the touch panel are combined to enable input of more complicated processing commands and the like. In addition, when a visually impaired person operates, it is desirable that the handset can be traded while listening to voice guidance.

First, the basic configuration of the present invention will be described using FIGS. 1 to 5.

1 is a block diagram of an automatic transaction apparatus (hereinafter referred to as ATM) according to an embodiment of the present invention. The ATM 101 includes a finger vein reader 102 that reads a finger vein pattern of the customer as biometric information, and an input unit 104 of a touch panel that is input for transaction operation with a display unit 103 of a liquid crystal displaying a transaction guide to the customer. The card mechanism 105 for processing the inserted card, the paper money deposit and withdrawal mechanism 106 for processing banknotes such as banknotes, and the like, and the cashier withdrawal mechanism 107 for processing coins, such as cash and withdrawals, and the printing of the specification table. It consists of the specification table printing mechanism 108, the bankbook printing mechanism 109 which performs the printing processing of the bankbook, and the main control part 110 which controls the operation of the whole. The input unit 104 may be a liquid crystal touch panel type integrated with the display unit 103.

The card mechanism 105 is provided with a lead light stripe lead light portion 111 that reads and writes magnetic stripes of an IC card inserted by a customer, and an IC chip lead light portion 112 that reads and writes an IC chip. The main control unit 110 includes a CPU 113 for controlling each processing, a memory 114 for storing programs and transaction information for executing each processing, and a communication unit 115 for transmitting and receiving data to and from a host or server. Recording units 130 and 16 and a power source 117 for sequentially recording transaction information and the like with each other are provided. In the upper portion of the ATM 101, a portrait camera 118 capable of capturing a face image of a customer is provided.

 2 is an external view of the IC card 201. The IC card 201 is equipped with a magnetic stripe 202 and a contact IC chip 203. The IC card 201 can also be equipped with a non-contact IC chip 204. 3 shows an example of a service function stored in the IC chip 203, and the finger vein pattern of the customer is registered as account information and biometric information such as a cash card or credit card supported by the financial institution of the issuer.

4 is a configuration diagram of a financial institution system when a customer 205 uses an ATM. 5 is an example of a customer ledger data format stored in the database 206 of the IC chip 203 or the host computer 207 of a financial institution.

Next, various embodiments of the present invention using the above configuration as Examples 1 to 3 will be described in detail.

Example 1

When a customer initiates a transaction by biometric authentication, the customer first applies to a financial institution for that purpose. After that, the issued IC card will be mailed to your home, so you will bring your own IC card to the branch of the financial institution. Thereby, the biometric information reading device (fingerprint finger vein, etc.) is read by the person concerned with the biometric information reading device, and the IC card brought by the customer is registered. At this time, the biometric information of the ten fingers of both hands is registered, and at the same time, which finger corresponds to which numerical value of 0-9, and which transaction type and processing. In addition, it is desirable that the customer can freely set and select which finger corresponds to what content.

Fig. 6 shows biometric information for 10 fingers of both hands registered on the IC chip 203 of the IC card 201 as described above and an example thereof. As described above, each finger is used to confirm transaction selection such as withdrawal or deposit. Processing inputs such as correction Input of numerical values from 0 to 9, and unit inputs such as bays and cloths are registered in correspondence with instructions from the person concerned.

Next, a processing flow in the case where a customer conducts a transaction using the IC card 201 registered as described above will be described with reference to FIG. 8. Fig. 8 is a flowchart of transaction in the case of conducting a transaction using ten fingers of both hands as the first embodiment of the present invention. In addition, in the present embodiment, the numerical "1248" as the cryptographic authentication number of the customer, the transaction type will be described as "withdrawal" and the withdrawal amount as "50,000 yen".

First, when the customer 205 inserts the IC card 201 into the card mechanism 105 of the ATM 101, the IC is connected to the magnetic stripe 202 and the IC chip lead write unit 112 by the magnetic stripe lead write unit 111. The account information is read from the chip 203 (step 301).

Next, in order to authenticate a person using biometric information, a guide screen is displayed on the display unit 103 or a voice guide is performed to place a finger of the customer 205 on the finger vein reader 102 to read the vein pattern of the finger placed on it ( Step 302). The finger vein pattern of the read customer 205 is transmitted to the IC chip 203 via the main control unit 110 and the IC chip lead write unit 112.

In the IC chip 203, personal identification is performed by combining 10 registered finger vein patterns of the right hand and the left hand and the read finger vein pattern (step 303). After the authentication is completed, the transaction selection screen shown in Fig. 9 is displayed to prompt the customer to select a transaction. In the selection screen of FIG. 9, the biometric information of the finger corresponding to each of the pre-registered transactions shown in FIG. 6 may be displayed and read together, or may be prompted by voice guidance or the like.

Since the customer draws out, the predetermined finger (in this case, the index finger) registered beforehand is placed on the finger vein reader 102 (step 304). In addition, in this embodiment, a left hand and a right hand may be sufficient as it is an index finger. The vein pattern of the index finger read by the finger vein reader 102 is transmitted to the IC chip 203 in combination with the vein pattern of 10 fingers registered in order, and the "draw" is confirmed by the matching with the vein pattern of the index finger. It is selected (step 305).

When the transaction selection is completed, the input screen of the password authentication number shown in FIG. 10 is displayed. As described above, the little finger of the left hand is placed on the finger vein reader 10 to input "1" which is one digit along with the guidance so that the corresponding finger may be read (step 306). The vein pattern of the left hand's little finger that has been read is transmitted to the IC chip 203 in combination with the ten finger vein patterns registered in sequence, indicating that the numerical value "1" is input by confirming the match of the vein pattern of the little finger of the left hand. It recognizes (step 307).

In order to input "2", which is the upper two digits of the password authentication number, the left finger is placed (step 308) and combined with the vein pattern of the registered left finger of the finger (step 309). In order to input "4" which is the upper three digits of the encryption authentication number, the index finger of the left hand is placed (step 310) and combined with the vein pattern of the index finger of the registered left hand (step 311). In order to input the upper four digits of the password authentication number, that is, the lowest type "8", the middle finger of the right hand is placed (step 312) and combined with the vein pattern of the middle finger of the registered right hand (step 313). After inputting the password authentication number, the confirmation screen of the password authentication number shown in FIG. 11 is displayed. If there is no error as a result of the confirmation, "detection" corresponding to the meaning of "confirmation" is placed (step 314). In addition, when an illusion or an input miss occurs, it is "cancellation"; If "correction", "thumbs" is put on, and the input is retried again.

The order of inputting the password authentication number is not limited to the above, and may be input from the lowest to the highest type in turn, or may be randomly input by the customer according to the instruction from the apparatus. In addition, input confirmation of the password authentication number shown in FIG. 11 may be performed after inputting all four digits, and every time one digit is input, it may be confirmed and corrected as needed.

Next, an input screen of the withdrawal amount shown in FIG. 12 is displayed, and the thumb of the left hand is placed on the finger vein reader 10 to input "5" which is the most significant digit of the withdrawal amount (step 315). The numerical value "5" is input by combining the read vein pattern of the thumb of the left hand to the IC chip 203 and combining it with the registered vein pattern of the thumb of the left hand (step 316). The numerical values may be entered one by one by placing the finger corresponding to each numerical value in the same way for the subsequent digits. However, depending on the amount of money, it may be simple to input a unit such as thousand or ten thousand. The embodiment also employs such unit input.

In other words, in order to change from the numerical input to the unit input in the input of the withdrawal amount, the touch panel is once touched as the end of the numerical input (step 317). Next, a thumb is put in order to input "only" which is the highest unit of a withdrawal amount (step 318), and it combines with the registered vein pattern of a thumb (step 319). Since the withdrawal amount of the present embodiment is about 50,000 won, the unit index "yen" is input by placing the index finger to enter "yen" as a unit (step 320) and combining it with the vein pattern of the index finger of the registered left hand ( Step 321). As long as the finger type corresponds to the unit input, either the right hand or the left hand may be used. In the input of 50,000 yen, for example, when a numerical value of 54,000 yen or the like is inputted, it is convenient to be able to return to numerical input after the unit input. Therefore, a switching button of "numeric input" and "unit input", "confirmation" button, or the like may be appropriately provided on the display panel.

When the input of the withdrawal amount is completed, the communication unit 115 of the main control unit 110 sends the account information and the inputted password authentication number or withdrawal amount read out from the IC chip 203 to the host computer 207 of the office center. The information is received (step 322). Thereafter, upon receipt of a response from the host computer 207 to permit the transaction, the banknote deposit and withdrawal mechanism 106 or the hard deposit and withdrawal mechanism 107 prepares the withdrawal of the amount input by the customer 205 into the display unit 103. (Step 323).

The card mechanism 105 includes a card 201; The specification sheet printing mechanism 108 discharges the specification sheet and receives it to the customer 205 (step 324). The banknote deposit and withdrawal mechanism 106 and the coin deposit mechanism 107 discharge a banknote or a coin from each withdrawal port, and receive it to the customer 201 (step 325).

Example 2

The first embodiment assumes a case where a normal person operates mainly as a customer. However, when the visually impaired person operates, a proper operation guide may be given to a suitable customer. For example, the screen display shown in Figs. 9 to 11 may be performed by voice guidance by a hand set or the like. In other words, identification information (identification code) indicating that the visually impaired is included in the recording section (for example, the magnetic stripe section 202, the IC chip 203, the non-contact IC chip 204, etc.) of the IC card 201 held by the visually impaired person. Can be given, it is possible to determine that the customer is visually impaired when the IC card 201 is inserted into the card mechanism 105 of the ATM 101.

The ATM 101 provides voice guidance to the visually impaired person through the hand set or the like to place each finger on the finger vein reader 102 for self-combination. When the user combination is completed, voice guidance for prompting the visually impaired is executed on the basis of the correspondence between each finger recorded on the IC card 201 and the transaction selection menu (Fig. 6). For example, if it is okay to announce to place corresponding finger by transaction type, and for waiting customer who forgot the correspondence of each finger and processing, please put "index". Please put `` thumbs '' because of `` deposit ''. It is possible to assist the operation of the customer by providing voice guidance, including the correspondence relationship between each finger and the processing contents as shown in FIG. In addition, such detailed voice guidance is not limited to the visually impaired, but can also be performed for a normal person who has forgotten the correspondence between each finger and the processing contents.

Password authentication number input (step 306-step 313 of FIG. 8) Confirmation of password authentication number input (step 314 of FIG. 8) as follows; Prior to each processing of the designation of the withdrawal amount (steps 315 to 321 in FIG. 8), a voice guidance is performed to prompt the customer to operate, or a more detailed voice guidance is included, including the relationship between each finger of the customer and the processing contents. You may carry out.

In addition, it is necessary to notify the customer after inputting a password authentication number or transaction contents transaction amount, and to confirm the input contents. However, when a visually impaired person operates, it should be performed only by voice guidance by a handset. This is because the contents of the transaction can be grasped and the contents of the transaction can be grasped by the sneak peek by the malicious person by using a display such as a display or normal voice guidance. Of course, if a normal person is attending a visually impaired person, the screen may be displayed. In this case, as an option for transaction selection shown in Fig. 6 or 7, it is also possible to select "with input content confirmation by the screen display", and a selection button or the like is provided on the display unit to select whether or not to display the transaction content confirmation. You can also let someone in your company or bank official choose.

Example 3

Next, an embodiment in the case where the corresponding part is performed to the various operations as described above using only the other finger will be described. Even in this embodiment, since 10 types of information of 0 to 9 are handled as numerical values, only five fingers of one hand are insufficient. Thereby, the deficiency is made up by combining the fingers of one hand. Fig. 7 shows that the registration with the IC chip 203 is transaction selection with only five fingers of one hand; This is a corresponding example in the case of performing numerical input or unit input of processing inputs 0 to 9. For example, "thumbs + little finger" corresponded to numerical value input "6" means that numerical value "6" is input by combining two types of the vein data of a thumb and the vein data of a little finger.

In addition, since the procedure of registering necessary information, such as a correspondence relationship of each finger in the IC card 201, is the same as that of the said embodiment, description is abbreviate | omitted.

Fig. 13 is a transaction processing flowchart of the present embodiment, and the encryption authentication number is " 1248 " Transaction type is "withdrawal"; The withdrawal amount is set at 50,000 yen. The operation will be described below based on this flowchart.

First, when the customer 205 inserts the IC card 201, the account information is read from the magnetic stripe 202 and the IC chip 203 (step 401). Next, in order to authenticate a person using biometric information, the finger of the customer 205 is placed on the finger vein reader 102, and the vein pattern of the finger is read (step 402). The finger vein pattern of the read customer 205 is transmitted to the IC chip 203. Personal authentication is performed by combining the finger vein pattern and the reading finger vein pattern for five one hand systems registered in the IC chip 203 shown in FIG. 7 (step 403).

After the identity verification, the transaction selection screen shown in Fig. 9 is displayed to prompt the customer to select a transaction. The customer places the index finger on the finger vein leader 102 to select a "draw" transaction (step 404). The vein pattern of the index finger read by the finger vein reader 102 is transmitted to the IC chip 203 in combination with the vein pattern of each finger registered, indicating that the "draw" transaction is selected by confirming the match of the vein pattern of the index finger. It recognizes it (step 405).

After the transaction selection, the input screen of the password authentication number shown in FIG. 10 is displayed, and the customer places the little finger on the finger vein reader 10 to input the numerical value “1”, which is the upper digit of the password authentication number (step 406). . The vein pattern of the read little finger is transmitted to the IC chip 203 and combined (matched) with the vein pattern of the registered little finger (step 407). In order to input the numerical value "2" which is the upper two digits of the encryption authentication number as described below, the customer puts the ring finger (step 408) and combines it with the vein pattern of the registered ring finger (step 409). In order to input the numerical value "4" which is the upper three digits of the password authentication number, the customer puts the index finger (step 410) and combines it with the vein pattern of the registered index (step 411).

Subsequently, in order to input the numerical value "8" which is the upper four digits (the lowest type) of the password authentication number, a thumb corresponding to the numerical value "5" is put first (step 412); The numerical value "5" is input by combining with the registered vein pattern of the thumb (step 413). Next, the touch panel is in contact with the touch panel for instructing numerical addition (step 414). Moreover, you may separately provide a "value addition button" which means numerical addition on a touch panel. Then, the middle finger corresponding to the numerical value "3" is placed (step 415), and the numerical value "3" for addition is input by combining with the registered vein pattern of the middle finger (step 416). As a result, " 5 + 3 = 8 " is determined and input as the four-digit value of the password authentication number.

In addition, adding the numerical values corresponding to the individual fingers to which the meanings have been given in advance as described above may be performed by corresponding parts with different numerical values, or may be assigned to the IC card 201 by giving specific meanings to the combinations. For example, the "little finger + little finger" may be associated with the numerical value "20". In this case, in order to notify the combination input to the ATM 201, a "combination input button" or the like may be provided to the touch panel.

After inputting the password authentication number, the customer places a thumb on the finger vein reader 10 to display the input screen of the withdrawal amount shown in FIG. 12 and input the numerical value "5" which is the uppermost digit of the withdrawal amount (step 417). The numerical value "5" is input by combining the read vein pattern of the thumb with the vein pattern of the thumb which is transmitted to the IC chip 203 and registered (step 418).

Subsequently, in order to change from the numerical input to the unit input in the input of the withdrawal amount, the touch panel is touched once as the end of the numerical input (step 419). In order to input "only" which is a unit of the withdrawal amount, the customer puts his thumb (step 420); and combines it with the registered vein pattern of the thumb (step 421). Further, the index finger is placed so as to input "yen" representing the amount of money so as to confirm the withdrawal amount (step 422); It is combined with the vein pattern of the index finger of the registered left hand (step 423). The amount of money "50,000 yen" is input as mentioned above.

When the input of the withdrawal amount is completed, the communication unit 115 of the main control unit 110 transmits the account information read from the IC chip 203; the inputted password authentication number or withdrawal amount to the host computer 207 of the office center. Information is received (step 424). Thereafter, upon receipt of a response from the host computer 207 to permit the transaction, the banknote deposit and withdrawal mechanism 106 or the hard deposit and withdrawal mechanism 107 prepares the withdrawal of the amount input by the customer 205 into the display unit 103. (Step 425). The card mechanism 105 includes a card 201; The specification sheet printing mechanism 108 discharges the specification sheet and receives it to the customer 205 (step 426). The banknote deposit and withdrawal mechanism 106 and the coin deposit mechanism 107 discharge a banknote or a coin from each withdrawal port, and receive it to the customer 201 (step 427).

Similar to the second embodiment, the present embodiment can also cope with the case where the visually impaired person uses the voice guidance as appropriate.

In Examples 1 to 3, the above description assumes the use of the finger vein as biometric information, but the same effect can be obtained when the fingerprint is used. The registration of the biometric information is described with the IC chip 203 mounted on the card 201, but the finger information is registered in the mobile terminal, for example, the cellular phone, so that the IC card lead light section 112 of the ATM 101 contacts. If the contact as well as the expression can be handled, the same effect can be obtained by wirelessly reading the finger information registered in the cellular phone.

According to the present invention, a finger inputs a variety of necessary information in an automatic transaction apparatus, which becomes a biometric information reading device from a conventional touch panel. Since it does not know whether or not the transaction operation is performed, it is possible to input with confidence, thereby improving security.

In addition, for the visually impaired, it is possible to easily operate transactions without receiving an explanation from the person concerned, and thus it is expected to improve the convenience of barrier-free implementation.

Claims (8)

An automatic transaction apparatus in which a customer conducts a transaction in a financial institution, comprising: biometric information reading means for reading biometric information of a finger; IC card reading means for reading information recorded on an IC card; and transaction operation recorded with the IC card. The correspondence relationship between the contents and the biometric information of each finger of the customer is read by the IC card reading means, and based thereon, the transaction operation according to the biometric information for each finger of the customer read by the biometric information reading means is controlled. Automatic transaction apparatus comprising a control unit. As the automatic trading device described in claim 1, And the biometric information is a fingerprint of a customer. As the automatic trading device described in claim 1, The biometric information is an automatic trading device, characterized in that the customer's finger vein. As the automatic trading device described in claim 1, And the transaction operation content corresponding to each of the customer's fingers includes a numerical input operation of 0 to 9. As the automatic trading device described in claim 1, And the transaction operation contents associated with each of the customer's fingers include a selection input operation of a transaction type. As the automatic trading device described in claim 1, And the controller controls the transaction operation based on the transaction operation content determined by the combination of two or more fingers of the customer. As the automatic trading device described in claim 1, And an input means for inputting a transaction operation, wherein said control portion controls the transaction operation by a combination of the biometric information of the customer and the transaction operation information from said input means. As an automatic transaction device according to claim 7, And the input means is a touch panel.

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