KR19990073820A - Cash dispenser with fingerprint reader - Google Patents

Abstract

The present invention is a cash withdrawal device with a fingerprint reader that can further enhance security as compared to the conventional as the addition of fingerprint recognition with the use procedure of the IC card or credit card, which is an IC card installed in banks, stores and various public places, or the like. The present invention relates to an automatic cash dispenser that can prevent unauthorized use of the card and settle down a mature credit society by installing a fingerprint reader on the automatic cash dispenser of a credit card. The automatic extractor main body 7 converts the recognized fingerprint image data into characteristic data, checks the identity of the fingerprint, and includes a fingerprint reader 1 that includes a biometric function, and an IC capable of storing and recognizing data of 340 bytes or more. Card reader (2), IC card (3) capable of storing data of 340 bytes or more, various kinds of services An ATM PC (9) comprising a display unit (4), a cash dispenser (5), a receipt receipt (8), and an operation unit (6) on which a face is displayed and controlling and controlling the cash service operation and the fingerprint processing program according to the card is provided. And a cash dispenser with a fingerprint reader, characterized in that cash is withdrawn only if the fingerprint data registered in the IC card (3) and the fingerprint of the withdrawer having passed through the fingerprint reader (2) are identical.

Description

Cash dispenser with fingerprint reader

The present invention relates to a cash dispenser with a fingerprint reader that can further enhance security as compared to the conventional as the addition of fingerprint recognition in addition to the procedure of using an IC card or a credit card, and more particularly, banks, stores and various public garages. By installing a fingerprint reader on the IC card or credit card automatic cash dispenser installed on the back, identification and control using personal fingerprint characteristics prevents unauthorized use of the card and improves the automatic cash withdrawal to settle a mature credit society. Relates to a device.

In modern society, information and communication are developed and the world is radically changing with the age of advanced information. For example, the information system operated by each bank is used for various purposes such as the efficiency of various information tasks related to the customer, finance, securities, and commodities between the head office and each branch, or information service services with other banks. . For example, indoor and outdoor cash dispensers installed in banks, stores, and various public places, which are operated daily for 24 hours, provide a variety of deposit payment, inquiry, bank account, cash service payment, cash service inquiry, and account transfer. Doing.

In other words, while the world is developing into an information and credit society, our information and credit society are seriously affecting our surroundings, and the foundation of the credit society is bruising due to the fraudulent use of credit cards. This means that even if the cardholder is not the person, anyone can withdraw the cash only if the card password is known, causing disputes due to loss, theft, and forgery, and also causing a great loss of cost.

In addition, the cash and credit cards currently in use are open to loss, theft and forgery, so there are always risks, which are prevalent in social imitation crimes as well as mental, physical and economic losses caused by the misuse of others.

Therefore, users who use the automatic cash dispensing devices that are currently installed and used a lot more, require a separate auxiliary means for preventing the gradual increase in fraudulent use instead of the normal use of credit cards and cash cards due to the above reasons. It became.

Therefore, as a way to fundamentally prevent all this type of absurdity, the part of the body is used. Among them, the most convenient, quick, accurate and invariant fingerprints are used a lot. It is a means of maintaining security without requiring a password.

The present invention has been invented to solve the drawbacks of the illegal use of the conventional automatic teller machine as described above, the fingerprint reader is integrated into the automatic teller machine of the IC card or credit card, the volume is small and the installation cost and The installation method is simple, so it is possible to accurately and promptly determine whether or not each individual is used when installed and used in banks, stores, and various public places, and it is impossible for others to use it to prevent disputes caused by card loss, theft and forgery. It is an object of the present invention to provide an automatic teller machine with a fingerprint reader that can block possession.

1 is an external view showing a cash dispenser with a fingerprint reader according to an embodiment of the present invention.

2 is a flowchart illustrating a cash dispenser device having a fingerprint reader according to the present invention.

3 is a view showing a screen state by operating the automatic teller machine with a fingerprint reader of the present invention.

4 is an outline view and a flowchart showing a cash dispenser with a fingerprint reader according to another embodiment of the present invention.

* Explanation of symbols for main parts of the drawings

1: fingerprint reader 2: IC card reader

3: IC card 4: Display part

5: cash dispenser 6: control panel

In the automatic cash dispenser with a fingerprint reader according to the present invention for achieving the above object, the automatic cash dispenser main body 7 is capable of converting the recognized fingerprint image data into characteristic data, enabling identification of fingerprints, and biometric sensing. Fingerprint reader 1 with functions, IC card reader 2 capable of storing and recognizing data of 340 bytes or more, IC card 3 capable of storing data of 340 bytes or more, Display unit displaying various screens according to service operations (4), an ATM PC (9) consisting of a cash outlet (5), a receipt receipt (8), and an operation unit (6), which controls and controls the cash service operation and the fingerprint processing program according to the card, It is characterized in that the cash is withdrawn only when the fingerprint data registered in the card 3 and the fingerprint of the withdrawer which has passed through the fingerprint reader 2 are the same.

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

1 is an external view showing a cash dispenser with a fingerprint reader according to an embodiment of the present invention, the present invention is more secure than the conventional as the addition of fingerprint recognition with the use of IC card or credit card. It is an indoor / outdoor cash dispenser with a fingerprint reader that can be strengthened, and the separate fingerprint reader 1 is placed on the ATM 7 of the IC card 3 installed in banks, stores, and various public places. The identification and control using personal fingerprint characteristics prevents unauthorized use of the card (3) and allows the establishment of a mature credit society.

The main body 7 can receive 24 hours cash service conveniently in one place at many banks, stores, and various public places, and as a large component, it is possible to convert the recognized fingerprint image data into characteristic data and the identity of the fingerprint. Fingerprint reader (1) with biometric detection function (BIOMETRIC SENSOR), IC card reader (2) capable of storing and recognizing data of more than 340 bytes, IC card (3) capable of storing data of more than 340 bytes, It is composed of a display unit 4, a cash dispensing slot 5, a transaction receipt outlet 8 and an operation unit 6 which display various screens according to the service operation, and control and control of the cash service operation and the fingerprint processing program according to the card. ATM PC (AUTOMATIC TELLER MACHINE PERSONAL COMPUTER: 9) is built in. The card reader 2 can be used as a proximity (contact) or insertable IC card (3).

Therefore, when using the automatic teller machine with a fingerprint reader according to the present invention, in the current cash withdrawal process, first convert to an IC card (3) instead of a credit card and register a personal fingerprint on the IC card chip to the IC When using the card 3, withdraw the cash close to the IC card reader 2 attached to the main body 7, and then press the account, touch the fingerprint and press the withdrawal amount of the operation unit 6, wherein the IC card (3) The cash withdrawal process is carried out only when the fingerprint data registered in the fingerprint data and the fingerprint of the withdrawal device having passed through the fingerprint reader 2 are the same.

This will be described in detail with reference to the flowchart shown in FIG. The inserted IC card 3 into or close to the card reader 2 of the main body 7 (step S2). Then, the IC card reader 2 reads the fingerprint characteristic data of the contact or inserted IC card 3 (step S3), and stores it in the memory (RAM) of the built-in ATM PC 9 (step S4). , This is called a variable: CardData. After that, as in the prior art, the user selects a service (cash withdrawal, cash service, bank transfer, etc.) and inputs a password (step S5).

When the step S5 is completed, the fingerprint input guide screen is displayed on the display unit 4 as shown in FIG. 3 (A) (step S6), and after the screen is displayed, the user waits for the fingerprint input for about 10 seconds. (Step S7). 10 seconds is the time can be adjusted. On the other hand, if the user does not input the fingerprint within 10 seconds, a fingerprint input waiting time exceeded message is displayed on the screen of the display unit 4 as shown in FIG. 3 (B), and after a while, the IC card 3 is inserted in step S10. The card is ejected from the card reader 2 and returns to the step S1. When the user recognizes the fingerprint through the fingerprint reader 1 within 10 seconds, the biometric sensor of the fingerprint reader 1 determines whether a human finger is detected and returns a result value Hcheck (step S11). If the result value is False, a message which is not a human fingerprint is displayed on the screen of the display unit 4 as shown in FIG. 3 (C), and after a while, the IC card 3 recognizes the card recognizer 2 in step S14. Is released and the process returns to the step S1.

On the other hand, if the result value of step S11 is True, the fingerprint data currently recognized by the fingerprint reader 1 is stored in its own buffer (step S15). Therefore, when the process of step S15 is completed, a message to release the hand is displayed on the screen of the display unit 4 as shown in Fig. 3D (step S16). Subsequently, the card data of step S4 is stored in the comparison buffer of the fingerprint reader 1 (step S17).

After that, a comparison command is sent to the fingerprint reader 1 (step S18), the result of the comparison is received as a verifyvalue (step S19), and if it is determined in step S20 that the verifyvalue is not the same fingerprint, a message that is not a fingerprint is displayed. Displayed on the screen of (4) (step S21). After a while, in step S22, the IC card 3 is ejected from the card reader 2 and returns to step S1.

If the result value in step S19 is determined to be the same fingerprint, the service proceeds to continue (step S23), and step S23 is from the input of the password to the completion of the service in the current cash withdrawal process, the cash outlet of the main body (7) The cash is paid through (5), and the receipt is returned to the receipt outlet (8). Introducing the automatic teller machine with the fingerprint reader of the present invention performed as described above can permanently solve the anxiety caused by card loss, theft and forgery, and from the disputes and imitation crimes of the card accidents which have been unprecedented so far May be applicable.

Fig. 4 is an outline view and flowchart showing a cash dispenser with a fingerprint reader according to another embodiment of the present invention. Fig. 4 (A) shows a credit card input unit instead of the IC card reader shown in Fig. 1. The bank host computer (not shown) is connected through the built-in ATM PC (9) while the (10) is installed. The bank host computer stores data of 340 bytes or more of fingerprint characteristics for each card and the ATM PC of the main body (7). If required in (9), a fingerprint data transfer program corresponding to each card is required.

Therefore, the automatic cash dispenser with a fingerprint reader according to the present invention, in the current cash withdrawal process, first inserts a credit card or a cash card into the input unit 10 of the main body 7, and presses an account button and presses a password. Next, fingerprint recognition of the fingerprint reader 1 is added, and the cash is withdrawn to the cash outlet 5 as the withdrawal amount is pressed, thereby preventing any unauthorized use of the card. This is because the personal information of the fingerprint is stored at the bank host computer when a new card is issued, so even if the user is familiar with the password every time he / she uses the card, the card is not allowed at all.

Referring to the flowchart shown in FIG. 4B, the user inserts a general cash card in the state where the card insertion screen is displayed on the display unit 4 (step S1) as in the current cash withdrawal process. Insert into the inlet 10 (step S2), then enter the service selection and password (step S3). This process is identical to the existing system.

When the step S3 is completed, the fingerprint input guide screen is displayed on the display unit 4 as shown in FIG. 3 (A) (step S4), and the user waits for the fingerprint input for about 10 seconds when the screen is displayed ( Step S5), where 10 seconds is time adjustable.

On the other hand, if the user does not input the fingerprint within 10 seconds, the fingerprint input waiting time exceeded message is displayed on the screen of the display unit 4 as shown in FIG. 3 (B) (step S7). Eject from 10 and return to step S1.

When the user recognizes the fingerprint through the fingerprint reader 1 within 10 seconds, the biometric sensor of the fingerprint reader 1 determines whether a human finger is detected and returns a result value Hcheck (step S9). If the result value is False, a message which is not a human fingerprint is displayed on the screen of the display unit 4 as shown in FIG. 3C. After a while, the cash card is released from the inlet 10 at step S11, and S1. You are returned to the step.

On the other hand, if the result value of step S9 is True and stores the fingerprint data currently recognized by the fingerprint reader 1 in its own buffer (step S13).

Therefore, when the process of step S13 is completed, a message to release the hand is displayed on the screen of the display unit 4 as shown in FIG. 3D (step S14). After that, the user performs the steps until the data transmission after the input of the existing password, such as the amount input (step S15).

After completion of step S15, the fingerprint data corresponding to the inserted cash card is requested to the bank host computer (not shown) in which the fingerprint data is stored (step S16).

The bank host computer in which the fingerprint data is stored has a storage medium that stores fingerprint characteristic data (340 bytes or more) per card number, and is a computer that can transmit and receive data to and from the ATM PC 9 of the main body 7. . The host computer also needs a communication module for transmitting the corresponding fingerprint data when it is requested from the ATM PC 9 of the main body 7. The fingerprint data received in step S16 is stored in a memory (variable name: HostData) in the ATM PC 9 of the main body 7, and the host data in step S16 is stored in a comparison buffer of the fingerprint reader 1 ( S18 step)

After that, the comparison command is transmitted to the fingerprint reader 1 (step S19), and the comparison result value is received from the fingerprint reader 1 as the VerifyValue (step S20). In step S20, if it is determined that the verifyValue is not the same fingerprint. A non-print message is displayed on the screen of the display unit 4 (step S23), and after a while, in step S23, the cash card is discharged from the inlet 10 and returns to step S1.

If the result value in step S20 is determined to be the same fingerprint, the process proceeds to step S22, in which data is transmitted after all inputs of the user of the existing system are finished.

Therefore, the cash is received through the cash outlet 5 of the main body 7, and the transaction receipt comes out of the receipt outlet 10 '.

In some cases, the processing step of requesting fingerprint data from the bank host computer (steps S16 to S18) may be used after the card is inserted or immediately after fingerprint recognition for the convenience of the user. The fingerprint reader 1 shown in Figs. 1 and 4 adopts RS-232 or other communication method, the IC card reader 2 also adopts RS-232 or other communication method, or the fingerprint identification and other data transmission. Batches for ease of use.

As described above, according to the present invention, since the fingerprint reader is integrated into the automatic cash dispenser of an IC card or a credit card, its volume is small, and the installation cost and installation method are simple, so that when installed and used in banks, stores and various public places, It is possible to provide an automatic cash withdrawal device with a fingerprint reader that can not only accurately and quickly determine the individual's identity, but also prevent the possibility of disputes due to card loss, theft and forgery due to the fact that others cannot use it. have.

Claims (4)

The automatic teller machine 7 converts the recognized fingerprint image data into characteristic data, checks the identity of the fingerprint, and includes a fingerprint reader 1, which includes a biometric function, capable of storing and recognizing data of more than 340 bytes. IC card reader (2), IC card (3) capable of storing data of 340 bytes or more, display unit (4) displaying various screens according to service operation, cash dispenser (5), transaction receipt outlet (8), and operation unit (6) And a ATM PC (9) for controlling and controlling a cash service operation and a fingerprint processing program according to the card, and having the fingerprint data registered in the IC card (3) and the withdrawal machine having passed through the fingerprint reader (2). Cash withdrawal device with a fingerprint reader, characterized in that the cash is withdrawn only if the fingerprint is the same The method according to claim 1, wherein when the fingerprint is recognized by the fingerprint reader 1, the biometric sensor of the fingerprint reader 1 determines whether a human finger is detected and returns a result Hcheck. If True, the fingerprint data currently recognized by the fingerprint reader 1 is stored in the fingerprint buffer of the fingerprint reader 1, and upon completion of the message, a message is displayed on the screen of the display unit 4 to display the card data of the fingerprint reader 1. It stores in the comparison buffer, sends a comparison command to the fingerprint reader 1, receives the comparison result value as VerifyValue, and if the result value is determined to be the same fingerprint, the service proceeds with the fingerprint reader with the fingerprint reader, characterized in that it is continued. Device The automatic teller machine 7 converts the recognized fingerprint image data into the characteristic data, checks the identity of the fingerprint, and includes the biometric sensing function of the fingerprint reader 1 and the credit card insertion unit 10. Or a cash card, a display unit 4 for displaying various screens according to the service operation, a cash outlet 5, a transaction receipt outlet 10 'and an operation unit 6, and the cash service operation and fingerprint processing program according to the card. An ATM PC 9 for controlling and controlling is built-in, and a bank host computer connected through the ATM PC 9 stores data of 340 bytes or more of fingerprint characteristics for each card and requests from the ATM PC 9 of the main body 7. Automatic cash withdrawal device with a fingerprint reader, characterized in that the fingerprint data transmission program corresponding to each card is required The method according to claim 3, wherein the credit card or the cash card is inserted into the card input unit 10 of the main body 7, the account button is pressed, the password is pressed, and the corresponding withdrawal amount is obtained through the fingerprint recognition of the fingerprint reader 1. Cash withdrawal device with a fingerprint reader, characterized in that withdrawal of cash to the cash outlet (5), the transaction receipt is discharged to the outlet (10 '), thereby blocking any use of card fraud.