KR101585768B1 - Financial device and financial transaction processing method thereof - Google Patents

Abstract

The present invention relates to a financial instrument and a withdrawal processing method, and a financial instrument according to the present invention is a financial instrument comprising: a deposit and withdrawal portion for inputting or discharging a medium; a financial transaction selection portion for selecting a financial transaction; A facial recognition unit for recognizing a first facial image from an image of a customer photographed by the camera and recognizing a second facial image from an image of a customer re-photographed by the camera when a financial transaction is selected in the financial transaction selecting unit; And a controller for comparing the first facial recognition information of the customer recognized by the customer recognition unit with the second facial recognition information to determine whether to process the financial transaction.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial device and a financial transaction processing method,

The present invention relates to a financial instrument and a financial transaction method.

Generally, a customer can withdraw cash and check media from a financial device by using a transaction means such as a card or a passbook. At this time, when the coefficient of the medium is advanced, the financial instrument completes the withdrawal transaction immediately after completion of counting of the medium. In this case, the financial instrument releases the transaction means used for the withdrawal transaction so that the customer can receive the transaction means, and immediately releases the counted medium when the customer receives the transaction means.

In this case, when the medium was counted in the financial device or only the transaction means was received and the customer left the place, another person could receive the transaction means or medium that was released.

It is an object of the present invention to provide a financial instrument and a financial transaction processing method which enable a financial transaction to be canceled when a customer located in front of the financial instrument and a customer requesting an initial financial transaction are different from each other after the financial transaction is completed in the financial instrument .

According to another aspect of the present invention, there is provided a financial device including a deposit / withdrawal portion for receiving or discharging a medium, a financial transaction selecting portion for selecting a financial transaction, a camera for photographing a face image of the customer, A facial recognition unit for recognizing a first facial image from an image of a customer photographed by the camera and recognizing a second facial image from an image of a customer re-photographed by the camera when a financial transaction is selected in the selection unit, And a controller for comparing the first facial recognition information of the customer recognized by the recognition unit with the second facial recognition information to determine whether to process the financial transaction.

According to another aspect of the present invention, there is provided a method of processing a financial transaction according to an exemplary embodiment of the present invention, Recognizing a second face of the customer from a facial image of the customer re-photographed by the camera, and comparing the first face identification information with the second face identification information, And determining whether to process the transaction.

According to the present invention, it is possible to recognize the face of the customer in the initial process of financing transaction, to recognize the face of the customer once again before releasing the transaction means and / It is possible to prevent an accident that another person receives a transaction means and / or a medium of a specific customer.

1 is a block diagram illustrating the configuration of a financial instrument according to an embodiment of the present invention.
2 and 3 are views illustrating an example of a facial recognition guidance screen according to an embodiment of the present invention.
4 is an exemplary diagram illustrating an alarm system to which a financial instrument according to an embodiment of the present invention is applied.
5 and 6 are flowcharts illustrating an operation flow for a financial transaction processing method of a financial device according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a facial recognition operation flow of a financial device according to an embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals whenever possible, even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

The financial device according to an embodiment of the present invention can be used for a variety of media such as banknotes, securities, bills, coins, vouchers, etc. to receive various kinds of media such as banknotes, And the like, and performs a financial task to perform the media processing such as the processing such as the release. Examples of such financial instruments include an automated teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be a device for automating financial business such as FIS (Financial Information System).

In addition, the present invention determines whether or not the financial transaction is processed by comparing the face recognition information of the customer recognized at the time of selecting the financial transaction by the customer in the financial device with the face recognition information of the customer that is recognized later. , The withdrawal transaction shall be applied and explained. However, the present invention is not limited thereto.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram illustrating the configuration of a financial instrument according to an embodiment of the present invention. 1, a financial instrument according to the present invention includes a control unit 10, a depository / withdrawal unit 20, an input unit 30, an output unit 40, a communication unit 50, a camera 60, A display unit 70, a screen configuration unit 80, an information recognition unit 90, and a face recognition unit 100. Here, the control unit 10 can control the operation of each part of the financial instrument.

The depositing / dispensing unit 20 may include a medium input / output unit (not shown), a medium storage unit (not shown), and a medium recognition unit (not shown) as means for recognizing and releasing the medium into which the medium is inserted or stored. The media input / output unit may eject the media or eject the media. Further, the medium storage unit stores the medium inserted through the medium entry / exit unit, and can provide the medium of the amount recognized by the medium recognition unit. The medium recognition unit recognizes the information of the medium inserted through the medium entry / exit unit, and recognizes the medium corresponding to the requested amount from the medium storage unit when requesting the withdrawal and counts the medium.

At this time, the counted media is stored in the receiving space of the media input / output unit. When the facial recognition information recognized by the facial recognition unit 100 at the completion of the withdrawal transaction matches the initially recognized facial recognition information, The shutter of the space is opened so that the customer can receive the shutter. On the other hand, the counted media may be stored in the receiving space of the media input / output unit and may be withdrawn in response to a face recognition result or a transaction cancellation request. Here, the medium may be a cash note or a check, but is not limited thereto. It is obvious that any means that can be traded by a financial instrument, such as cash, is applicable.

The input unit 30 is a means for receiving customer information, such as a keypad or a soft key on a touch panel. In addition, the input unit 30 may include a financial transaction selection unit for allowing a customer to select a financial transaction. At this time, if a financial transaction is selected by the financial transaction selection unit, the control unit 10 allows the financial transaction selected by the customer to be processed.

The output unit 40 is means for outputting transaction progress information and processing status of the financial instrument. As an example, the output unit 40 may display a transaction screen corresponding to each transaction progress stage while the withdrawal transaction proceeds, and may display a guidance screen to guide face recognition. Here, the output unit 40 may be a display screen such as a monitor. When the output unit 40 is implemented as a touch screen, the input unit 30 and the output unit 40 may be integrally formed.

The communication unit 50 may include a communication module that supports a communication interface for transmitting and receiving signals between the financial device and the host. At this time, the communication unit 50 can transmit a message for transaction processing to the host and receive a response to the message from the host when a predetermined transaction is performed in the financial device. The communication unit 50 is connected to the financial automation equipment comprehensive management system or the control system so that information on the facial recognition discrepancy information of the financial equipment (for example, occurrence time, transaction information, etc.) Point number, e-mail address, etc.). In this case, the computer center can notify the sales terminal or the control system based on the information transmitted from the financial device.

The camera 60 photographs a face image of a customer located in front of the financial instrument. At this time, the camera 60 may be disposed to face the customer at the upper part of the front surface of the financial instrument, and may be arranged to face the customer facing the transaction screen in the vicinity of the output unit 40 on which the transaction screen of the financial instrument is displayed . Here, the camera 60 causes the shooting button on the guidance screen displayed on the output unit 40 to start shooting as it is operated by the customer. Of course, according to the embodiment, the camera 60 may automatically photograph a face of a customer when a predetermined time elapses after the guide screen is output without a button operation by a customer. The face image photographed by the camera 60 may be provided to the face recognition unit 100 for face recognition.

The storage unit 70 may store a set value for operation of the financial instrument. In addition, the storage unit 70 may store information for constructing a guidance screen at the time of the withdrawal transaction, and may store a facial recognition algorithm for performing a facial recognition operation on the facial image photographed by the camera 60. [ The facial recognition algorithm stored in the storage unit 70 may be called by the facial recognition unit 100 to perform a facial recognition operation on the facial image photographed by the camera 60. [

The screen configuration unit 80 constitutes a transaction screen to be displayed when the financial device operates. As an example, the screen configuration unit 80 may configure a transaction selection screen, a password input screen, a money input screen, and the like at the time of starting a financial instrument. In addition, the screen configuration unit 80 may configure a guidance screen to guide face recognition while the withdrawal transaction requested by the customer proceeds.

For example, the screen configuration unit 80 may configure a guidance screen for facial photographing for facial recognition of a customer located in front of the financial apparatus while the withdrawal transaction requested by the customer proceeds. At this time, the guide screen configured by the screen configuration unit 80 is displayed on the screen of the output unit 40 before transmitting the message about the withdrawal transaction. For example, the guide screen may be displayed on the screen of the output unit 40 after the withdrawal amount is input or before the password for the withdrawal transaction is input.

In addition, the guidance screen constructed by the screen configuration unit 80 is displayed on the screen of the output unit 40 when the withdrawal transaction is completed after the medium of the amount requested by the customer is counted. For example, the guide screen may be displayed on the screen of the output unit 40 immediately before releasing the transaction means after the withdrawal transaction is completed and / or immediately before releasing the transaction means and ejecting the medium.

Here, the guidance screen for face recognition may include a face recognition area in which a face image photographed through a camera is displayed, and may include an adjustment button for allowing the size of the face recognition area included in the guide screen to be adjusted by the customer . Further, the guide screen may include a photographing button for operating the camera to photograph a face image displayed in the face recognition area.

The information recognition unit 90 can receive the transaction means in which the customer information is recorded for the financial transaction, recognize the customer's information from the transaction means, or eject the introduced transaction means. Here, the transaction means may be a card, a passbook, or the like. As an example, the information recognition unit 90 can recognize the information acquired by at least one of the card reader and the passbook magnetic reader. Here, the card reader can acquire the information of the IC card or the magnetic card by the IC contact method or the magnetic lead method. In addition, the passbook magnetic reader can acquire the passbook information of the customer by reading the passbook magnet.

The customer information recognized by the information recognition unit 90 may correspond to the customer's personal information, the card number, the serial number of the passbook, the account number, and the like, and further information necessary for the card or passbook transaction may be additionally recognized It is possible.

The facial recognition unit 100 analyzes the inputted facial image and recognizes the face of the customer when the facial image photographed by the customer is selected through the guide screen displayed on the output unit 40. [ Here, when the facial image is input, the facial recognition unit 100 may call the facial recognition algorithm stored in the storage unit 70 to perform a facial recognition operation on the facial image. As an example, the facial recognition unit 100 can extract facial features such as eyes, nose, mouth, and facial contours of the face included in the facial image and recognize facial features of the facial image. The facial recognition unit 100 may store facial recognition information recognized from the input facial image in the storage unit.

The control unit 10 processes the withdrawal transaction based on the customer information recognized by the information recognition unit 90 and the information input from the customer (for example, password, withdrawal amount information, etc.) when there is a withdrawal transaction request from the customer .

On the other hand, the control unit 10 displays the guide screen configured by the screen forming unit 80 after the transaction information is inputted from the customer at the time of the withdrawal transaction at the request of the customer on the screen of the output unit 40 . In this case, the customer can be informed of the facial photographing for facial recognition through the guide screen. As the photographing button included in the guide screen is operated by the customer, the camera 60 and the facial recognition unit 100 operate, To obtain the initial facial recognition information.

In addition, the control unit 10 generates a request for the withdrawal transaction requested by the customer, and requests approval from the host. Here, when the control unit receives the approval completion information from the host for the withdrawal transaction requested by the customer, the control unit causes the medium of the withdrawal requested amount to be counted, and completes the withdrawal transaction after the medium of the corresponding amount is counted. At this time, the control unit 10 displays a guide screen for facial recognition through the output unit 40 before completing the withdrawal transaction and before releasing the transaction means brought into the financial apparatus and / or before ejecting the counted media. . In this case, the customer can be informed of the face photographing for face recognition before receiving the transaction means and / or before receiving the counted media, The recognition unit 100 operates to acquire facial recognition information that is re-recognized by the customer.

Therefore, after completing the withdrawal transaction, the control unit 10 compares the facial recognition information that was initially recognized at the time of inputting the transaction information with the facial recognition information that is re-recognized before receiving the counted medium before receiving the transaction means and / . Here, if the initially recognized facial recognition information and the previously recognized facial recognition information do not coincide with each other, the control unit 10 determines that the customer has left without receiving the transaction means or the medium, or that another emergency situation has occurred, And / or retrieves the counted media and restores the customer ledger for the withdrawal transaction. Of course, according to the embodiment, the control unit 10 may release the transaction means that has been brought into the financial apparatus and process only media recovery and customer ledger recovery.

Here, when the transaction means of the customer and / or the completed media is recovered, the control unit 10 may record information on the media and transaction means retrieved based on the customer information recognized from the transaction means.

On the other hand, when the initially recognized facial recognition information and the re-recognized facial recognition information coincide with each other, the control unit 10 releases the transaction means brought into the financial apparatus, and opens the shutter of the receiving space of the deposit / withdrawal unit 20 Allow the customer to receive the media.

FIG. 2 and FIG. 3 illustrate a guide screen of a financial device according to an embodiment of the present invention. As shown in FIG. 2, the guidance screen 210 for facial recognition may be used for facial recognition before or after the customer enters the transaction information, and before completing the withdrawal transaction and releasing the transaction means and / And is displayed on the screen of the financial device including the phrase for guiding the face photographing.

Here, the guidance screen 210 may be implemented with a face recognition area 220 in which a face image photographed through a camera is displayed. When the guide screen 210 is displayed on the screen of the financial device, the camera is driven to photograph the face of the customer located in front of the financial instrument. At this time, the face image photographed by the camera is displayed on the face recognition area 210 of the guide screen 210 (220).

The guidance screen 210 may include control buttons 230 and 240 for controlling the size of the face recognition area 220. [ Here, the control button may include a button 230 for controlling the size of the facial recognition area and a button 240 for controlling the size of the facial recognition area. In this case, the customer can arbitrarily adjust the size of the facial recognition area 220 according to the contour of the customer by selecting an adjustment button disposed on the guidance screen 210. [

Also, the guidance screen 210 may include a photographing button 260 for operating the camera to photograph a face image displayed in the face recognition area 220. The customer operates the photographing button 260 according to the phrase included in the guide screen 210 so that the facial recognition operation of the customer is performed in the financial device.

3, the customer can adjust the position of the customer's face contour 250 to include the customer's facial contour 250 in the facial recognition area 220, The user can operate the photographing button 260 included in the guide screen 210 in a state where the photographing button 220 is positioned. Accordingly, the financial device can acquire the face image of the customer displayed in the face recognition area 220. [

4 is an exemplary diagram illustrating an alarm system to which a financial instrument according to an embodiment of the present invention is applied.

Referring to FIG. 4, the financial instrument 100 counts the facial recognition information of the customer, which is initially recognized at the time of inputting the transaction information for the withdrawal transaction, and the medium of the amount requested by the customer, If the facial recognition information of the customer do not match, the transaction means and / or medium inserted into the financial device 100 can be retrieved and the customer ledger for withdrawal transactions can be recovered.

In this case, the financial instrument 100 transmits the inconsistency information of the financial instrument 100 and the facial recognition result to a management system 200 such as an ATM total management system (ATMS) . Here, the financial instrument 100 may transmit to the ATMS 200 the point number, the time at which the face recognition result is inconsistent with the face recognition result, the transaction information, and the action content for the emergency situation.

At this time, when the inconsistency information on the facial recognition result is received from the financial instrument 100, the ATMS 200 determines whether or not the franchise terminal 300 in which the financial instrument 100 is disposed based on the information of the received financial instrument 100 ) To notify the transaction details of the financial instrument 100 or the operation of the apparatus. Therefore, the staff in the branch office can check the status of the financial instrument 100 in which the problem occurs, based on the information received through the branch office terminal 300. [ Here, the ATMS 200 may notify the branch office terminal 300 when the time point at which the inconsistency information on the facial recognition result is received is within the business hours.

On the other hand, when the time when the inconsistency information on the facial recognition result is received is outside the business hours, the ATMS 200 transmits the control system 400, which is operated by the security company associated with the branch office where the financial device 100 is disposed, The emergency situation for the device 100 can be notified. In this case, the security company can arrange for the employee to be dispatched to the branch where the financial instrument 100 is arranged based on the information received through the control system 400. [ Accordingly, the employee of the security company can check the status of the financial instrument 100 in which the problem has occurred by dispatching to the branch office where the financial instrument 100 is disposed.

The operation flow of the financial transaction processing of the financial device according to the embodiment of the present invention will be described in more detail as follows.

FIG. 5 is a flowchart illustrating a flow of an outflow transaction processing of a financial instrument according to an embodiment of the present invention. Referring to FIG. 5, when the withdrawal transaction is started at the request of the customer and the transaction means of the customer is inserted (S100), the financial device can recognize the customer information from the inserted transaction means in the step S100 (S110).

Thereafter, the customer selects the withdrawal transaction (S120). If the transaction amount for the withdrawal transaction is input (S130), the customer can perform the initial facial recognition operation (S140).

Here, the facial recognition operation of the 'S140' process can be performed according to the procedure shown in FIG. In other words, when performing the facial recognition operation, the financial instrument outputs a guidance screen for face recognition as shown in FIG. 7 (S300). When the size of the facial recognition area is adjusted by the customer's choice, And determines a facial recognition area of a size (S310). At this time, when a shooting start event occurs as the customer operates the shooting button on the guide screen (S320), the customer's face image included in the face recognition area of the guide screen is photographed through the camera (S330). Thereafter, the financial institution analyzes the facial image of the customer photographed in the process of 'S330' and performs facial recognition for the customer (S340).

After completing the first facial recognition operation for the customer, the financial instrument generates a transaction special for the withdrawal transaction requested by the customer and transmits / receives the transaction special to the host (S150). At this time, when the approval completion information is received from the host, the financial device counts the medium of the withdrawal requested amount (S160). In this case, the financial institution can process the withdrawal transaction after counting the medium of the requested amount in the step 'S160'.

Here, the financial instrument may perform the facial recognition operation for the customer secondarily when the transaction is completed after counting the medium (S170). The second face recognition operation of the 'S170' process may be performed according to the procedure shown in FIG. 7, as in the first face recognition operation of the 'S140' process.

If the second facial recognition for the customer is completed in step 'S170', the process after 'A' is performed. In other words, when the second facial recognition is completed, the financial instrument compares the first recognized facial recognition result in step S140 and the second recognized facial recognition result in step S170, as shown in FIG. 6 Make sure they match. If the first facial recognition result and the second facial recognition result do not coincide with each other (S200), the financial instrument recovers the transaction means and the medium inserted into the financial instrument (S250, S260) (S270).

On the other hand, if the first facial recognition result and the second facial recognition result coincide with each other in the process of 'S200', the transaction means inserted into the financial device is released so that the customer can receive the transaction means (S210). At this time, the financial instrument may further perform the third facial recognition operation before releasing the counted medium. The third face recognition operation of the 'S220' process can be performed according to the procedure shown in FIG. 7, as in the first face recognition operation of the 'S140' process. In this case, when the third facial recognition of the customer is completed in step S220, the financial instrument compares the first recognized facial recognition result in step S140 with the third facial recognition result in step S220 Make sure they match. If the first facial recognition result and the third facial recognition result do not coincide with each other (S230), the financial instrument recovers the media counted in the process of 'S160' (S260), and restores the customer ledger for the payout transaction (S270).

If the first facial recognition result and the third facial recognition result coincide with each other in the process of 'S230', the counted medium is released in step S160 so that the customer can receive the requested amount of the medium (S240) .

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: control unit 20:
30: input unit 40: output unit
50: communication unit 60: camera
70: storage unit 80:
90: Information recognition unit 100: Facial recognition unit
100: financial instrument 200: ATMS
300: Branch terminal 400: Control system

Claims (18)

A deposit and withdrawal portion for injecting or discharging a medium;
A financial transaction selection unit for selecting a financial transaction from a customer;
A communication unit for transmitting and receiving to the host a message for a financial transaction process selected by the customer;
A camera for photographing the face image of the customer;
When the customer selects the withdrawal transaction from the financial transaction selection unit, the facial image of the customer is photographed by the camera to perform the first facial recognition, and the special processing with the host is completed through the communication unit in response to the selected withdrawal transaction A facial recognition unit for re-capturing a facial image of the customer with the camera and performing a second facial recognition when the medium according to the withdrawal transaction is moved to the deposit / withdrawal unit; And
When the second facial recognition is completed, the first facial recognition information recognized by the facial recognition unit is compared with the second facial recognition information, and if it does not coincide with the second facial recognition information, the withdrawal transaction is canceled and the medium moved to the deposit / A controller for communicating with the host to recover the withdrawal transaction ledger;
. The method according to claim 1,
The facial-
When the withdrawal transaction is selected by the customer, a first facial image is recognized from the face image photographed by the camera at the time of entering the withdrawal transaction information, and a special processing with the host is performed through the communication unit in response to the selected financial transaction And performs a second facial image recognition from the facial image re-photographed by the camera before completion of processing and discharging of the transaction means. The method of claim 2,
Wherein,
The first facial recognition information is compared with the second facial recognition information, and if the first facial recognition information and the second facial identification information do not match, the transaction means brought into the financial device is recovered. The method according to claim 1,
The facial-
When the withdrawal transaction is selected by the customer, a first facial image is recognized from the facial image photographed by the camera when the withdrawal transaction information is input, and before the withdrawal requested medium is counted and the counted medium is released Wherein the second face recognition is performed from the face image re-photographed by the camera. delete The method according to claim 1,
The facial-
When the withdrawal transaction is selected by the customer, a first facial image is recognized from the facial image photographed by the camera at the time of entering the withdrawal transaction information, and a special processing with the host is performed through the communication unit in response to the withdrawal transaction Wherein the media of the amount requested to be withdrawn is re-counted and the facial recognition is re-executed from the facial images respectively photographed by the camera before releasing the counted media. The method according to claim 1,
Wherein,
If the at least one of the first facial recognition information and the later recognized facial recognition information does not coincide with each other, the transaction means brought into the financial apparatus and the media counted by the deposit and withdrawal unit are collected, The financial institution. The method according to claim 1,
Further comprising a screen construction unit configured to form a guidance screen for face recognition of a customer during a financial transaction. The method of claim 8,
The guide screen displays,
And a face recognition area in which a face image photographed through the camera is displayed. The method of claim 9,
The guide screen displays,
And a size of the face recognition area is adjusted by an operation of a customer. The method of claim 9,
The guide screen displays,
And a photographing button for operating the camera to photograph a face image displayed in the face recognition area. The method according to claim 1,
Wherein,
And notifies the information on the financial instrument and the face recognition discrepancy information to the integrated financial-instrument-equipment-integrated management system when the first facial recognition information and the second facial recognition information do not match with each other. The method of claim 12,
Wherein the financial management system integrated management system receives the facial recognition inconsistency information from the financial institution management system based on the information of the financial instrument and transmits the facial recognition incompleteness information to at least one of the branch terminal where the financial instrument is disposed and the control system linked with the financial instrument, A financial instrument that is notified of an emergency. Financial instruments,
Performing a first facial recognition by capturing a facial image of the customer with a camera that captures a facial image of the customer when the customer selects the withdrawal transaction;
When the special processing with the host is completed in response to the selected withdrawal transaction and the medium according to the withdrawal transaction is moved to the deposit / withdrawal portion of the financial instrument, the facial image of the customer is taken again with the camera to perform the second facial recognition step; And
When the second facial recognition is completed, the first facial recognition information is compared with the second facial recognition information, and if the second facial recognition does not coincide with the second facial recognition information, the withdrawal transaction is canceled to recover the medium moved to the deposit / Communicating with the host and the specialist to restore the withdrawal transaction ledger
The method comprising the steps of: 15. The method of claim 14,
Wherein the performing the second facial recognition comprises:
A financial transaction processing method performed in at least one of the steps of: communicating with the host in response to the selected financial transaction, completing the specialized processing, discharging the transaction means, and counting the medium of the requested amount of withdrawal and releasing the counted medium . 15. The method of claim 14,
Further comprising the step of processing the transaction means to be withdrawn if the first face identification information and the second face identification information do not match. 15. The method of claim 14,
Constructing and displaying a guide screen for facial recognition of a customer;
Displaying a face image of a customer photographed by a camera in a face recognition area included in the guidance screen; And
Further comprising photographing a face image displayed in the face recognition area by a button operation included in the guidance screen. delete

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