TW202044075A - Biometric identification transaction system - Google Patents

Abstract

A biometric identification transaction system is provided. The system includes: an automatic teller machine; a main identification component disposed on the automatic teller machine; and a secondary identification component disposed on the automatic teller machine. The main identification component scans a main biometric characteristic of a user and the automatic teller machine searches one or more accounts corresponding to the main biometric characteristic. The automatic teller machine receives an input command to choose a designated account in the one or more accounts. The automatic teller machine receives a transaction request. The secondary identification component scans a secondary biometric characteristic, and the automatic teller machine determines whether the secondary biometric characteristic corresponds to the designated account. If the secondary biometric characteristic corresponds to the designated account, the automatic teller machine grants the transaction request.

Description

Biometric Trading System

This disclosure relates to a biometric transaction system, and in particular, to a biometric transaction system that uses biometrics to double confirm transaction security.

At present, in practice, people who receive cash at an Automatic Teller Machine (ATM) need to hold a physical financial card, and provide the chip on the financial card for the ATM to read the accounting information, and then input by the user The correct password on the chip can only complete the withdrawal. However, often due to factors such as users forgetting the password, dampness of the chip, damage to the chip, or forgetting to carry a financial card, etc., the regret that there is an ATM but cannot withdraw cash or purchase foreign currency cash. Therefore, how to reduce the trouble of password input and reduce the risk of loss and theft of the financial card during the transaction is the goal of those skilled in the art.

This disclosure provides a biometric transaction system that uses biometrics to double confirm transaction security.

This disclosure proposes a biometric identification transaction system, including: an automatic teller machine; a main identification component installed on the automatic teller machine; and a secondary identification component installed on the automatic teller machine. The main identification component scans the user's main biological characteristics, and the ATM searches for one or more accounts corresponding to the main biological characteristics. The automated teller machine receives an input instruction to select a selected account from one or more accounts. The ATM receives the transaction request. The secondary identification component scans the user's secondary biological characteristics, and the ATM determines whether the secondary biological characteristics correspond to the selected account. If the secondary biometrics correspond to the selected account number, the ATM allows the transaction request.

Based on the above, the biometric transaction system disclosed in the present disclosure will first use the main identification components on the ATM to scan the user's main biometric characteristics and search for one or more corresponding accounts, and then provide the user to select from the above one or more accounts Select an account. After the user submits a transaction request, the secondary identification element on the ATM can scan the user's secondary biometrics as a password. In other words, when the secondary biometrics correspond to the selected account number, the ATM can allow transaction requests.

In order to make the above-mentioned features and advantages of the present disclosure more obvious and understandable, the following specific embodiments are described in detail in conjunction with the accompanying drawings.

FIG. 1 is a block diagram of a biometric transaction system according to an embodiment of the disclosure.

Please refer to FIG. 1, the biometric transaction system 100 of an embodiment of the disclosure includes an automated teller machine 110, a primary identification element 120 and a secondary identification element 130. The main identification element 120 can be arranged on the ATM 110 and coupled to the ATM 110. The secondary identification element 130 may be disposed on the ATM 110 and coupled to the ATM 110. The primary identification element 120 can scan the user's primary biological characteristics (for example, facial information and living body 3D image information) and the secondary identification element 130 can scan the user's secondary biological characteristics (for example, fingerprint information, palm print information, iris information) , Retina information, voiceprint information and finger vein information). The accuracy of identifying the user through the primary identification element 120 is higher than the accuracy of identifying the user through the secondary identification element 130. The main recognition element 120 is, for example, at least one of a face recognition element (for example, an image sensor) and a living body 3D image recognition element (for example, a 3D image sensor). The secondary recognition element 130 is, for example, a fingerprint recognition element (for example, a fingerprint sensor), a palmprint recognition element (for example, a palmprint sensor), an iris recognition element (for example, an iris sensor), a retina recognition element (for example, a retina) At least one of a sensor), a voiceprint recognition element (for example, a microphone), and a finger vein recognition element (for example, a finger vein sensor).

In an embodiment, the automated teller machine 110 may further include a processor (not shown in the figure). The processor can obtain the default data of the user's primary biometrics and secondary biometrics from the remote server through the wired network or wireless network, and compare the primary biometrics and secondary biometrics scanned by the user in front of the ATM 110. Biological characteristics are compared. In another embodiment, the default data of the user's primary biometrics and secondary biometrics can also be stored or temporarily stored in the storage device of the automated teller machine 110.

When the user arrives at the ATM 110 to prepare for a transaction, the main identification component 120 can scan the user's main biological characteristics (for example, facial images), and the automatic teller machine 110 searches for one or more accounts corresponding to the main biological characteristics, and Display one or more accounts found for users to choose. Then, the automated teller machine 110 receives a user input instruction to select a selected account of one or more accounts to conduct a transaction, and the automated teller machine 110 receives a transaction request (for example, a deposit request, a withdrawal request, or a withdrawal request input by the user through the ATM 110). Inter-bank transfer request or other transaction request). In order to authorize the user's transaction request, the secondary identification element 130 can scan the user's secondary biometrics, and the ATM 110 determines whether the secondary biometrics (for example, fingerprint) corresponds to the selected account. In other words, the user's secondary biological characteristics can be regarded as the transaction password. If the secondary biometrics correspond to the selected account number, the ATM 110 allows the transaction request and executes the transaction request.

In one embodiment, when the match percentage between the main biological characteristics and the preset main biological characteristics corresponding to one or more accounts is greater than a threshold value (for example, greater than 95%), the ATM 110 uses the main biological characteristics to Update the default main biological characteristics. In other words, the database of the remote server or the ATM 110 may record the main biometric characteristics of the user who successfully passed the scan authentication in the latest transaction.

In one embodiment, when the matching percentage of the secondary biometrics and the preset secondary biometrics corresponding to the selected account is greater than the threshold value (for example, greater than 95%), the ATM 110 uses the secondary biometrics to update the preset secondary biometrics. Want biological characteristics. In other words, the remote server or the database of the ATM 110 may record the secondary biometric characteristics of the user who successfully passed the scan authentication in the latest transaction.

In one embodiment, the remote server or the database of the ATM 110 can also record the main biometrics that successfully pass the scan authentication every time the user trades, and link these main biometrics with the user's account. In each transaction of the user, the ATM 110 can determine the multiple account numbers corresponding to multiple primary biological features whose matching percentages in the database with the primary biological features scanned by the current transaction are greater than the threshold value, and add these account numbers The account that has been repeated the most times shall be the account of the user of the transaction. For example, when user A scans the main biometrics, there may be 10 main biometrics in the database that match the main biometrics of user A with a matching percentage greater than the threshold, and 9 main biometrics correspond to user A's Account and the other main biometric feature corresponds to User B’s account. Then the ATM 110 can determine that the current scan should correspond to the user A's account. This can reduce the occurrence of false judgments.

In summary, the biometric transaction system disclosed in the present disclosure will first use the main identification components on the ATM to scan the user's main biometrics and search for one or more corresponding accounts, and then provide the user with information from the above one or more accounts. Select the selected account. After the user submits a transaction request, the secondary identification element on the ATM can scan the user's secondary biometrics as a password. In other words, when the secondary biometrics correspond to the selected account number, the ATM can allow transaction requests. In addition, the biometric transaction system disclosed in the present disclosure can also update the primary biometrics and/or secondary biometrics in the database according to the primary biometrics and/or secondary biometrics successfully verified by the latest transaction to record the user The latest major biological characteristics and/or secondary biological characteristics.

Although this disclosure has been disclosed in the above embodiments, it is not intended to limit the disclosure. Anyone with ordinary knowledge in the relevant technical field can make some changes and modifications without departing from the spirit and scope of this disclosure. Therefore, The scope of protection of this disclosure shall be subject to those defined by the attached patent scope.

100: Biometric trading system 110: ATM 120: Main identification components 130: secondary identification component

FIG. 1 is a block diagram of a biometric transaction system according to an embodiment of the disclosure.

100: Biometric trading system

110: ATM

120: Main identification components

130: secondary identification component

Claims (10)

A biometric transaction system, including: An automated teller machine; A main identification element is installed on the ATM; and Identify the component once and set it on the ATM, where The main identification component scans a main biological characteristic of a user, and the ATM searches for one or more accounts corresponding to the main biological characteristic, The ATM receives an input instruction to select a selected account among the one or more accounts, The ATM receives a transaction request, The secondary identification component scans the user’s primary biometrics, and the ATM determines whether the secondary biometrics corresponds to the selected account, If the secondary biological feature corresponds to the selected account number, the ATM allows the transaction request. For example, the biometric transaction system described in item 1 of the scope of patent application, wherein when a matching percentage of the main biometric feature and a preset main biometric feature corresponding to one or more accounts is greater than a threshold value, the ATM uses The main biological feature is used to update the preset main biological feature. The biometric transaction system described in item 1 of the scope of patent application, wherein the main biometric feature includes at least one of a facial information and a living body 3D image information. For example, the biometric transaction system described in item 3 of the scope of patent application, wherein the ATM displays a plurality of options corresponding to the facial information and the three-dimensional image information of the living body, and receives a main biometric selection corresponding to one of the options message. For the biometric transaction system described in item 3 of the scope of patent application, the main identification element includes a face identification element and a living body 3D image identification element. For example, the biometric transaction system described in item 1 of the scope of patent application, wherein the secondary biometric feature includes at least one of fingerprint information, palmprint information, iris information, retina information, voiceprint information, and finger vein information one. For example, the biometric transaction system described in item 6 of the scope of patent application, wherein the ATM displays multiple options corresponding to one fingerprint information, one palmprint information, one iris information, one retina information, one voiceprint information, and one finger vein information , And receive the one-time biometric selection message corresponding to one of these options. For example, the biometric identification transaction system described in item 6 of the scope of patent application, wherein the secondary feature identification element includes a fingerprint identification element, a palmprint identification element, an iris identification element, a retina identification element, a voiceprint identification element and a Finger vein recognition component. For example, in the biometric transaction system described in item 1 of the scope of patent application, the transaction request includes a deposit request, a withdrawal request, and an inter-bank transfer request. For example, in the biometric transaction system described in item 1 of the scope of the patent application, when a matching percentage of the secondary biometric feature and a preset secondary biometric feature corresponding to the selected account is greater than a threshold value, the ATM uses the Secondary biometrics to update the preset secondary biometrics.

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