TWM582633U - 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

The present disclosure relates to a biometric transaction system, and more particularly to a biometric transaction system that utilizes biometrics to double confirm transaction security.

At present, people in the practice of receiving automatic cash in the Automatic Teller Machine (ATM) are required to hold a physical financial card, and in conjunction with the chip on the chip financial card for the ATM to read the accounting information, the user must input The correct password on the wafer begins to complete the withdrawal. However, due to factors such as the user forgetting the password, the wafer being wet, the wafer being damaged or even forgetting to carry the financial card, there is a regret that the automatic teller machine can not smoothly withdraw cash or purchase foreign currency cash. Therefore, how to reduce the trouble of password input and reduce the risk of theft of the financial card being stolen is a goal that those skilled in the art should strive for.

The present disclosure provides a biometric transaction system that utilizes biometrics to double confirm transaction security.

The present disclosure proposes a biometric transaction system comprising: an automatic teller machine; a main identification component disposed on the automated teller machine; and a secondary identification component disposed on the automated teller machine. The primary identification component scans the user's primary biometrics, and the automated teller machine searches for one or more account numbers corresponding to the primary biometric. The ATM receives an input command to select a selected one of the one or more accounts. The ATM receives the transaction request. The secondary identification component scans the user's secondary biometrics and the automated teller machine determines if the secondary biometric corresponds to the selected account. If the secondary biometric corresponds to the selected account, the ATM allows the transaction request.

Based on the above, the biometric transaction system of the present disclosure first scans the user's main biometrics by using the main identification component on the ATM and searches for one or more corresponding accounts, and then provides the user to select one or more accounts. Selected account. After the user makes a transaction request, the secondary identification component on the automated teller machine can scan the secondary biometric of the user as a password. That is, the ATM can allow a transaction request when the secondary biometric corresponds to the selected account.

The above described features and advantages of the present invention will be more apparent from the following description.

1 is a block diagram of a biometric transaction system in accordance with an embodiment of the present disclosure.

Referring to FIG. 1 , the biometric transaction system 100 of the present embodiment includes an automated teller machine 110 , a primary identification component 120 , and a secondary identification component 130 . The primary identification component 120 can be disposed on the automated teller machine 110 and coupled to the automated teller machine 110. The secondary identification component 130 can be disposed on the automated teller machine 110 and coupled to the automated teller machine 110. The primary identification component 120 can scan the user's primary biometric features (eg, facial information and live three-dimensional imaging information) and the secondary identification component 130 can scan the user's secondary biological features (eg, fingerprint information, palm print information, iris information) , retinal information, voiceprint information and finger vein information). The accuracy of identifying the user through the primary identification component 120 is higher than the accuracy of identifying the user through the secondary identification component 130. The main identification component 120 is, for example, at least one of a face recognition component (for example, an image sensor) and a living body 3D image recognition component (for example, a 3D image sensor). The secondary identification component 130 is, for example, a fingerprint recognition component (eg, a fingerprint sensor), a palmprint recognition component (eg, a palmprint sensor), an iris recognition component (eg, an iris sensor), a retina recognition component (eg, a retina) At least one of a sensor), a voiceprint recognition component (eg, a microphone), and a finger vein recognition component (eg, a finger vein sensor).

In an embodiment, the automated teller machine 110 may also include a processor (not shown). The processor can obtain the user's main biometric and secondary biometric preset data from the remote server through the wired network or the wireless network and scan the main biometrics and secondary information obtained by the user in front of the ATM 110. Biometrics were compared. In another embodiment, the user's primary biometric and secondary biometric preset data may also be stored or temporarily stored in the storage device of the automated teller machine 110.

When the user prepares to conduct a transaction before the automated teller machine 110, the primary identification component 120 can scan the user's primary biometric features (eg, facial images), and the automated teller machine 110 searches for one or more account numbers corresponding to the primary biometrics, and Display one or more of the searched accounts for the user to select. Next, the automated teller machine 110 receives the user input command to select a selected one of the one or more account accounts for the transaction, and the automated teller machine 110 receives the transaction request (eg, the deposit request, the withdrawal request, the user inputs through the automated teller machine 110, Interbank transfer request or other transaction request). To authorize the user's transaction request, the secondary identification component 130 can scan the secondary biometrics of the user, and the automated teller machine 110 determines whether the secondary biometric (eg, fingerprint) corresponds to the selected account. In other words, the secondary biometric of the user can be considered a transaction password. If the secondary biometric corresponds to the selected account, the automated teller machine 110 allows the transaction request and executes the transaction request.

In one embodiment, the automated teller machine 110 utilizes the primary biometrics when the match percentage of the primary biometric and the predetermined primary biometric corresponding to one or more account numbers is greater than a threshold (eg, greater than 95%). Update preset main biometrics. That is to say, the database recorded by the remote server or the ATM 110 may be the main biometric of the user's latest transaction that successfully passed the scan authentication.

In an embodiment, the automated teller machine 110 updates the preset time with the secondary biometric when the matching percentage of the secondary biometric to the preset secondary biometric corresponding to the selected account is greater than a threshold (eg, greater than 95%) Want biometrics. That is to say, the database recorded by the remote server or the automated teller machine 110 may be a secondary biometric that the user successfully passes the scan authentication after the latest exchange.

In one embodiment, the remote server or the library of the automated teller machine 110 may also record the primary biometrics that successfully passed the scan authentication each time the user trades, and link these primary biometrics to the user's account number. At each transaction of the user, the automated teller machine 110 can determine that the matching percentage of the main biometrics scanned in the database with the current biometrics of the current transaction is greater than the plurality of accounts corresponding to the plurality of main biometrics of the threshold value, and the accounts are The account with the most repetitions is the account of the user of the current transaction. For example, when user A scans the main biometrics, the matching percentage of 10 main biometrics in the database and the main biometrics scanned by user A is greater than the threshold, and 9 main biometrics correspond to user A's. The account number and another major biometric feature correspond to user B's account number. The ATM 110 can determine that the current scan should correspond to the account of User A. This can reduce the occurrence of false positives.

In summary, the biometric transaction system of the present disclosure first scans the user's main biometrics by using the main identification components on the ATM and searches for one or more corresponding accounts, and then provides the user with one or more accounts from the above. Select the selected account. After the user makes a transaction request, the secondary identification component on the automated teller machine can scan the secondary biometric of the user as a password. That is, the ATM can allow a transaction request when the secondary biometric corresponds to the selected account. In addition, the biometric transaction system of the present disclosure can update the main biometric and/or secondary biometrics in the database according to the main biometrics and/or secondary biometrics verified by the latest transaction to record the user. The latest major biometric and/or secondary biometric data.

The present disclosure has been disclosed in the above embodiments, but it is not intended to limit the disclosure, and any person skilled in the art can make some changes and refinements without departing from the spirit and scope of the disclosure. The scope of protection of this disclosure is subject to the definition of the scope of the appended claims.

100‧‧‧Biometric Trading System  110‧‧‧Automatic Teller Machine  120‧‧‧ main identification components  130‧‧‧ secondary identification components  

1 is a block diagram of a biometric transaction system in accordance with an embodiment of the present disclosure.

Claims (10)

A biometric trading system comprising:  An automated teller machine;  a primary identification component disposed on the automated teller machine;  Once you want to identify the component, set it on the ATM, where  The primary identification component scans a primary biometric of a user, and the automated teller machine searches for one or more account numbers corresponding to the primary biometric.  The automated teller machine receives an input command to select a selected one of the one or more account numbers,  The ATM receives a transaction request,  The secondary identification component scans a primary biometric of the user, and the automated teller determines whether the secondary biometric corresponds to the selected account.  If the secondary biometric corresponds to an account selected, the ATM allows the transaction request.   The biometric transaction system of claim 1, wherein the automatic teller machine utilizes when the matching ratio of the primary biometric to a predetermined primary biometric corresponding to one or more account numbers is greater than a threshold value. The primary biometric to update the preset primary biometric. The biometric transaction system of claim 1, wherein the main biometric feature comprises at least one of facial information and a living three-dimensional image information. The biometric transaction system of claim 3, wherein the automated teller machine displays a plurality of options corresponding to the facial information and the live 3D image information, and receives a primary biometric selection corresponding to one of the options. message. The biometric transaction system of claim 3, wherein the main identification component comprises a face recognition component and a living three-dimensional image recognition component. The biometric transaction system of claim 1, wherein the secondary biometrics include at least one of fingerprint information, palm print information, an iris information, a retinal information, a voice information, and a finger vein information. one. The biometric transaction system of claim 6, wherein the automatic teller machine displays multiple options corresponding to a fingerprint information, a palm print information, an iris information, a retinal information, a voice information, and a finger vein information. And receiving a primary biometric selection message corresponding to one of the options. The biometric transaction system of claim 6, wherein the secondary feature recognition component comprises a fingerprint identification component, a palmprint identification component, an iris recognition component, a retina recognition component, a voiceprint recognition component, and a Finger vein identification component. The biometric transaction system of claim 1, wherein the transaction request comprises a deposit request, a withdrawal request, and an interbank transfer request. The biometric transaction system of claim 1, wherein the automatic teller machine utilizes the matching percentage of the secondary biometric with a predetermined secondary biometric corresponding to the selected account number greater than a threshold value. A secondary biometric to update the preset secondary biometric.