WO2021246072A1 - Dispositif de traitement, procédé de traitement et programme - Google Patents

Dispositif de traitement, procédé de traitement et programme Download PDF

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Publication number
WO2021246072A1
WO2021246072A1 PCT/JP2021/016152 JP2021016152W WO2021246072A1 WO 2021246072 A1 WO2021246072 A1 WO 2021246072A1 JP 2021016152 W JP2021016152 W JP 2021016152W WO 2021246072 A1 WO2021246072 A1 WO 2021246072A1
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WO
WIPO (PCT)
Prior art keywords
user
code information
coded data
biometric authentication
biometric
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Application number
PCT/JP2021/016152
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English (en)
Japanese (ja)
Inventor
辰士 山崎
隆範 原
毅 大塚
Original Assignee
沖電気工業株式会社
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Publication of WO2021246072A1 publication Critical patent/WO2021246072A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T7/00—Image analysis
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Definitions

  • the present disclosure relates to a processing device, a processing method and a program, and can be applied to, for example, a processing device, a processing method and a program for performing identity verification by face recognition.
  • the person in charge of the counter tells that the face photo of the driver's license, passport, My Number card, etc. brought by the customer is the same person as the user's face. Check visually.
  • the person in charge at the counter visually or mechanically confirms that the seal imprint of the seal brought by the customer matches the seal imprint registered in the account by using the imprint comparison system.
  • an account to be traded is specified from a cash card or a passbook, and a personal identification number registered in the specified account and a customer are used. Make sure that the password you entered matches. Or, in addition to (or instead of) the personal identification number, confirm with a personal identification code containing various biometric information and characters.
  • biometric authentication using biometric information may be used together.
  • the biometric authentication method differs depending on the device used for unmanned transactions, and it is necessary to register biometric information for each device. Therefore, the user needs to register the biometric information at the counter each time the biometric information to be used increases.
  • the vein recognition device may be mounted on an ATM, but is not mounted on a mobile terminal.
  • the fingerprint authentication device may be installed in a mobile terminal, but it is not installed in an ATM.
  • ATM transactions require cash cards and passbooks, and customers need to bring cash cards and passbooks, so there is always a risk of theft or loss.
  • the processing device of the present disclosure (1) acquires a user's face image, (2) generates code information including at least feature data of the user's face image, and (3) provides the code information to the user. Then, (4) the code information is read, and (5) the acquired feature data of the user's face image is collated with the feature data of the face image included in the code information to confirm the identity.
  • FIG. 2 is an overall configuration diagram showing an overall configuration of a transaction system according to the first embodiment.
  • the transaction system 1000 includes an ATM 1, a biometric information registration device 2, a mobile terminal 3, and a host computer 4.
  • Network N is a communication network capable of communicating data related to financial transactions, and for example, a dedicated network can be applied. Further, the network N may be a public network as long as it can communicate data related to financial transactions.
  • ATM1 is, for example, an automatic cash deposit / payment device installed in a financial institution, a station, a convenience store, a hotel, or the like.
  • the ATM 1 is not limited to an ATM, and may be any device that confirms the identity, and may be, for example, a POS cash register, a semi-self machine, a ticket vending machine, or the like.
  • FIG. 2 shows only one ATM 1 for the sake of simplicity. However, in reality, each of the plurality of ATMs 1 connects to the host computer 4 via the network N.
  • the ATM 1 can communicate with the host computer 4 via the network N, and performs various financial transactions (own bank transactions) such as transfer transactions, deposit transactions (deposit transactions), and withdrawal transactions (withdrawal transactions).
  • Various transactions may be performed using a medium such as a cash card, or may be performed cardlessly after registering the biometric information with the biometric information registration device 2 described later.
  • the biometric information registration device 2 encodes and generates biometric information (facial feature data, etc.) of the user and account information of the user (account information may be not limited to one but may be plural), and is generated.
  • Information hereinafter, also referred to as "biometric authentication coded data" is provided to the user.
  • the generated biometric authentication coded data is retained by means such as being stored as an image in the storage unit of the user's mobile terminal 3, or being printed on a sticker or the like and attached to the mobile terminal 3. ..
  • the biometric authentication coded data is used as identity verification data when a user conducts a transaction, as will be described later.
  • biometric authentication coded data is not limited to the case where it is used as the identity verification data when a general customer conducts a financial transaction, but also as the identity verification data for authenticating the maintainer, bank employee, etc. who maintain and operate the ATM1. It may be used.
  • the biometric authentication coded data may include information for identifying the user (organization, personal ID, etc.) as well as biometric information.
  • a two-dimensional bar code such as a QR code (registered trademark) or a two-dimensional with a security function such as SQRC (registered trademark) is installed. Barcodes can be applied.
  • SQRC is a two-dimensional code having a configuration in which reading of data can be restricted by dividing the data into a public part and a private part.
  • the user's account information is stored in the public part of the biometric authentication coded data, and the biometric information (feature data of the face image) is encrypted and stored in the private part to impersonate a third party. It is possible to prevent and provide users with highly secure transactions.
  • the biometric authentication coded data may include information such as "issue number”, "number of injunctions", and "expiration date".
  • the issuance number is a number updated every time the SQRC (biometric authentication coded data) is issued, and even if the lost SQRC is used, if a new SQRC has already been issued before that, it can be determined to be invalid.
  • the number of times of suspension of use is the number of times of NG to suspend the use when the authentication is NG a certain number of times in succession.
  • the expiration date indicates the validity range of the facial feature data, and may be one to several years.
  • the expiration date may be one-time to confirm the identity of only a certain transaction, and if the authentication score that determines the authentication rate is lowered due to a certain tendency in the identity verification that is performed many times, it is set.
  • the facial feature data may be updated at the set threshold value.
  • the biometric information registration device 2 may be used as a biometric authentication terminal in, for example, a counter business after issuing the biometric authentication coded data.
  • a biometric authentication terminal in, for example, a counter business after issuing the biometric authentication coded data.
  • an example of issuing biometric authentication coded data using the biometric information registration device 2 is shown.
  • the ATM 1 and the mobile terminal 3 can be used. You may apply from the application) and issue biometric authentication coded data.
  • the mobile terminal 3 When conducting a transaction, the mobile terminal 3 causes the ATM 1 (or the biometric information registration device 2) to read the biometric authentication coded data, thereby initiating the execution of the user's identity verification.
  • the ATM 1 or the biometric information registration device 2
  • the mobile terminal 3 causes the ATM 1 (or the biometric information registration device 2) to read the biometric authentication coded data, thereby initiating the execution of the user's identity verification.
  • Various types of terminals can be applied to the mobile terminal 3, and for example, smartphones, tablet terminals, notebook personal computers, mobile phones, game terminals, electronic book terminals, wearable terminals, and the like can be applied.
  • the host computer 4 is a host computer of a financial institution, and when information on a transaction is acquired from ATM 1, the contents of the transaction performed by the user are managed based on the acquired information on the transaction.
  • FIG. 4 is a block diagram showing a detailed configuration of the biometric information registration device 2 according to the first embodiment.
  • the biometric information registration device 2 includes a control unit 21, a storage unit 22, a communication unit 23, a camera 24, a biometric information generation unit 25, a biometric information issuing unit 26, a code data reading unit 27, a collating unit 28, and a log. It has a management unit 29.
  • the control unit 21 includes a CPU (Central Processing Unit) which is an example of a hardware processor, and reads a predetermined program from a ROM (Read Only Memory), a RAM (Random Access Memory), and a storage unit 22 which are examples of memory. By loading it into the CPU and executing it, each part is controlled to perform various processes related to biometric information registration.
  • CPU Central Processing Unit
  • ROM Read Only Memory
  • RAM Random Access Memory
  • storage unit 22 which are examples of memory.
  • the storage unit 22 stores a processing program or the like executed by the control unit 21, and may be, for example, a non-temporary recording medium such as an HDD (Hard Disk Drive) or SSD (Solid State Drive).
  • a non-temporary recording medium such as an HDD (Hard Disk Drive) or SSD (Solid State Drive).
  • the communication unit 23 is a communication device such as a network interface for connecting to the host computer 4 via the network N.
  • the camera 24 forms an external image (user's face, etc.) on an image sensor such as a CCD (Charge Coupled Device) or CMOS (Complementary Metal Oxide Sensor) through a lens, and captures a still image or a moving image. Has a function.
  • an image sensor such as a CCD (Charge Coupled Device) or CMOS (Complementary Metal Oxide Sensor)
  • CCD Charge Coupled Device
  • CMOS Complementary Metal Oxide Sensor
  • the biometric information generation unit 25 extracts feature data that quantifies features such as the positional relationship of the eyes, nose, and mouth of a person from the face image of the user acquired by the camera 24, and the feature data and the user's account.
  • Biometric coded data (SQRC compliant) is generated from the information.
  • the account information is stored in the public part of the biometric authentication coded data, and the feature data of the user's face image is encrypted and stored in the private part.
  • the biometric information issuing unit 26 controls to print the biometric authentication coded data generated by the biometric information generating unit 25 on a sticker or the like and issue it, or to display it on a display device for taking a picture with the camera of the mobile terminal 3. conduct. Further, the biometric information issuing unit 26 may transmit the biometric authentication coded data to the user's mobile terminal 3 by a communication means such as e-mail or short-range radio.
  • the code data reading unit 27 is, for example, a bar code reader, and reads the biometric authentication coded data displayed (or affixed) on the mobile terminal 3.
  • the collation unit 28 has generated the biometric authentication coded data of the user and the living body of the user newly photographed by the camera 24. It is judged whether or not the person is the person by collating with the information (face image). If the verification unit 28 cannot confirm the identity, the process of issuing the biometric authentication coded data is executed again.
  • the log management unit 29 acquires the operation log, the user information used for the procedure, the consent form, etc. at each stage from the start to the end of the biometric authentication coded data issuance process, and sends the log management unit 29 to the host computer 4. do.
  • User information, consent forms, etc. are centrally managed by the financial institution (host computer 4) and are inquired at a later date if there is a problem. Further, the log management unit 29 may print the above information on a paper medium.
  • FIG. 3 is an external perspective view showing an external configuration of the ATM according to the first embodiment.
  • the ATM 1 of the first embodiment has an operation display unit 12, a card inlet / outlet 13, a bill inlet / outlet 14, a coin inlet / outlet 15, a receipt outlet 16, a biometric authentication data reader 17, a passbook inlet / outlet 18, and the like. And has a camera 19.
  • the camera 19 has a function of forming an external image (such as a user's face) on an image pickup element such as a CCD or CMOS through a lens and taking a still image or a moving image.
  • an image pickup element such as a CCD or CMOS
  • the operation display unit 12 displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a confirmation screen for transaction details, and the like, and captures input information input by the user.
  • the operation display unit 12 can apply a touch panel type operation display device.
  • the operation display unit 12 is not limited to the touch panel type in which the operation device and the display device are integrated, and the operation device and the display device may have physically different configurations.
  • the display device may be, for example, a display such as a liquid crystal display or an organic display.
  • the card entrance / exit 13 is for a user to insert a cash card or take out a cash card.
  • the banknote inlet / outlet 14 is for the user to insert or take out the banknote.
  • a bucket type one having an opening / closing body that can be opened / closed may be used, or a bucket type one having no opening / closing body may be used.
  • the user inserts banknotes, for example, in the case of a bucket type having an opening / closing body, after the opening / closing body opens the opening of the bucket, the user inserts the banknotes into the opening of the bucket, and then the ATM1 opens / closes. Close your body and take in the inserted banknotes. Further, when the ATM1 returns the banknote, the ATM1 pays out the banknote to the bucket and then opens the opening / closing body.
  • the bill inlet / outlet 14 is not limited to the one in which the bill inlet for inserting the bill and the bill outlet for discharging the bill are integrated, and the bill inlet and the bill outlet have physically different configurations. May be.
  • the coin inlet / outlet 15 is for the user to insert coins or take out coins.
  • a bucket type coin having an opening / closing body that can open / close the opening may be used, or a bucket type coin having no opening / closing body may be used.
  • the user inserts coins for example, in the case of a bucket type having an opening / closing body, after the opening / closing body opens the opening of the bucket, the user opens the bucket, as in the case of the bill inlet / outlet 14.
  • a coin is inserted into the unit, and then the ATM1 closes the opening / closing body and takes in the inserted coin.
  • the coin inlet / outlet 15 is not limited to the one in which the coin inlet for inserting coins and the coin outlet for discharging coins are integrated, and the coin inlet and the coin outlet have physically different configurations. You may.
  • the receipt discharge port 16 discharges a receipt printed with transaction details.
  • the biometric authentication data reading unit 17 reads the biometric authentication data for identity verification via the mobile terminal 3.
  • the biometric authentication data reading unit 17 is a barcode reader and reads a two-dimensional bar code (biometric authentication coded data) displayed (or affixed) on the mobile terminal 3.
  • the biometric data reading unit 17 is, for example, an IC reader, which is in contact with an IC chip included in the mobile terminal 3 to drive an electric circuit, or communicates with an antenna of a non-contact type IC chip. Thereby, the data of the IC chip (biometric authentication coded data) may be read.
  • the passbook entrance / exit 18 accepts the passbook inserted by the user or discharges the passbook.
  • FIG. 1 is a block diagram showing a configuration of an ATM control system according to the first embodiment.
  • the ATM 1 includes a control unit 10, an authentication unit 11, a storage unit 30, a communication unit 40, an operation display control unit 50, a biometric authentication data processing unit 60, a card processing unit 70, a passbook processing unit 80, and a bill deposit / withdrawal unit. It has 90, a coin deposit / withdrawal unit 100, and a statement slip issuing unit 110.
  • the control unit 10 includes a CPU, which is an example of a hardware processor, and controls each unit by reading a predetermined program from a ROM, RAM, and a storage unit 30 which are examples of memory, loading the program into the processor, and executing the program. Then, various processes such as deposit transaction, storage process, and withdrawal transaction are performed.
  • a CPU which is an example of a hardware processor
  • the authentication unit 11 included in the control unit 10 is a functional unit that performs user authentication processing (face authentication processing) based on the biometric authentication coded data held by the user's mobile terminal 3 and the image taken by the camera 19. be.
  • the storage unit 30 stores a processing program or the like executed by the control unit 10, and includes, for example, HDDs, SSDs, and the like which are non-temporary recording media.
  • the communication unit 40 is a communication device such as a network interface for connecting to the host computer 4 via the network N.
  • the operation display control unit 50 controls the operation of the operation display unit 12 under the control of the control unit 10.
  • the operation display control unit 50 causes the operation display unit 12 to display the screen based on the screen information from the control unit 10, or gives the information input from the operation display unit 12 to the control unit 10.
  • the biometric authentication data processing unit 60 acquires the biometric authentication coded data of the user held in the mobile terminal 3 via the biometric authentication data reading unit 17 under the control of the control unit 10 (authentication unit 11).
  • the card processing unit 70 takes in or ejects a cash card from the card inlet / outlet 13 under the control of the control unit 10. Further, the card processing unit 70 reads the card information stored in the storage unit (for example, magnetic storage unit, IC chip, etc.) of the cash card inserted from the card inlet / outlet 13, and transfers the card information to the control unit 10. give.
  • the storage unit for example, magnetic storage unit, IC chip, etc.
  • the passbook processing unit 80 takes in or discharges the passbook from the passbook inlet / outlet 18 under the control of the control unit 10. Further, the passbook processing unit 80 reads the passbook information (for example, magnetic stripe data) stored in the passbook storage unit (for example, magnetic data storage unit, IC chip, etc.) inserted from the passbook entrance / exit 18. Passbook information is given to the control unit 10.
  • passbook information for example, magnetic stripe data
  • the passbook storage unit for example, magnetic data storage unit, IC chip, etc.
  • the banknote deposit / withdrawal unit 90 stores and manages banknotes by denomination under the control of the control unit 10.
  • the coin deposit / withdrawal unit 100 stores and manages coins by denomination under the control of the control unit 10.
  • the statement slip issuing unit 110 prints the transaction result on the transaction statement and issues (discharges) it from the receipt ejection port 16 under the control of the control unit 10.
  • FIG. 5 is a flowchart illustrating a characteristic operation (biological information registration process) of the biometric information registration device according to the first embodiment.
  • the biometric information registration device 2 is installed, for example, at a store counter of a financial institution.
  • the user presents the application form required for the biometric information registration procedure, the identification card with a face photo, etc. to the staff near the terminal, so that the biometric information registration process (biometric authentication coded data issuance process) can be performed. ) Is started.
  • face authentication is mentioned as an example of registration of biometric information, but the same applies to other biometric authentication.
  • the identity of the user is visually confirmed by the staff using a medium such as a driver's license or My Number card that can be used to verify the identity (S101).
  • this identity verification process may be performed by comparing the image of the user himself / herself taken by the camera 24 with the image data included in the medium whose identity can be confirmed.
  • the biometric information registration device 2 accepts input of user's account information (store number, subject, account number, etc.) (S102).
  • the biometric information registration device 2 accepts input of a personal identification number related to an account for registering biometric information, communicates with the host computer 4 based on the user's account information and the personal identification number, and performs authentication (S103). ..
  • the biometric information registration device 2 photographs the user's face using the camera 24 (S104).
  • the biometric information registration device 2 converts the features of the facial image acquired by photographing into data and converts it into biometric authentication coded data (SQRC) (S105).
  • SQRC biometric authentication coded data
  • the face feature data is encrypted and stored in the private unit
  • the account information is stored in the public unit.
  • the biometric information registration device 2 (biological information issuing unit 26) issues (presents) the biometric authentication coded data generated in step S105 above to the user (S106).
  • the user takes a picture of the biometric authentication coded data displayed on the biometric information registration device 2 by using the camera of the mobile terminal 3 to be held, and stores the image of the biometric authentication coded data inside.
  • the biometric information registration device 2 may print the biometric authentication coded data on a sticker or the like and issue it.
  • the printed sticker may be attached to a medium familiar to the user such as a mobile terminal 3 or a passbook.
  • the biometric authentication coded data to be printed may be printed on a plurality of sheets as primary and secondary.
  • the user information, consent form, etc. used in the procedure are managed by the financial institution (host computer 4), but the biometric authentication coded data is only presented to the user, and the image of the biometric authentication coded data is not managed. .. Therefore, if the biometric authentication coded data cannot be read due to loss or contamination, the biometric authentication coded data at the time of registration is not reused, but the image taken by the camera is acquired again and the biometric authentication coded data is regenerated. Issue.
  • the biometric information registration device 2 confirms the validity of the biometric authentication coded data issued in step S106 described above (S107). Specifically, first, the biometric information registration device 2 reads the biometric authentication coded data when the mobile terminal 3 having the biometric authentication coded data is held over the code data reading unit 27. Next, the biometric information registration device 2 photographs the user's face in the same manner as in step S104 described above. Then, the biometric information registration device 2 (verification unit 28) compares the feature data acquired from the face photographed image with the feature data of the biometric authentication coded data, and determines whether or not the person is the person. If the identity verification is possible (authentication is OK), the biometric information registration device 2 executes the following process, while if the authentication is NG, the biometric information registration device 2 is restarted from step S102 to obtain the biometric authentication coded data. Reissue.
  • the biometric information registration device 2 acquires the operation log up to the issuance of the biometric authentication coded data (S108). Specifically, the biometric information registration device 2 uses various logs up to the issuance of biometric authentication coded data (image of user's certificate, photographed user's face image, information of counter person in charge, terminal of counter person in charge). Operation history work etc.) is acquired. The log data may be transmitted to the host computer 4 and stored, or may be printed on a paper medium and stored. As a result, various information can be inquired later when the biometric authentication coded data is issued.
  • FIG. 6 is a flowchart showing a characteristic operation of an ATM (cardless transaction processing performed by using biometric authentication coded data) in the transaction system according to the first embodiment.
  • ATM1 selects some kind of transaction (for example, deposit transaction, withdrawal transaction, balance inquiry, payment transaction, settlement transaction, etc.) from the user (customer, etc.), and makes the transaction a cash card, etc. Accepts the choice of conducting transactions with or without a cardless medium (S201). The following shows the case where a cardless transaction is selected.
  • the ATM 1 reads the biometric authentication coded data from the mobile terminal 3 held by the user via the biometric authentication data reading unit 17 (S202).
  • ATM1 photographs the user's face via the camera 19 (S203).
  • the ATM 1 performs face authentication of the user based on the biometric authentication coded data (characteristic data of the decoded face image) read in the above step S202 and the feature data of the face image taken in the above step S203. (S204). If the identity verification is possible (authentication is OK), the ATM1 executes the next process, while if the authentication is NG, the ATM1 starts over from step S202. If the authentication is NG, the transaction may be interrupted.
  • ATM1 accepts the input of the password when the authentication is OK in step S204 described above (S205). Since the personal authentication is completed in step 204 described above, this process may be omitted.
  • the ATM 1 After accepting the input of the personal identification number, the ATM 1 inputs the information including the input personal identification number, account information (data stored in the public part of the biometric authentication coded data), etc. via the communication unit 40 to the host computer 4. (S206). If it is not necessary to communicate with the host side (maintenance work, etc.), this step may be omitted.
  • the control unit 10 continues the predetermined transaction selected in step S101 described above (S207). Since the content of each selected transaction is the same as before, the description thereof will be omitted.
  • FIG. 7 is a flowchart showing a characteristic operation (processing of identity verification by biometric authentication) of the biometric information registration device according to the first embodiment.
  • the biometric information registration device 2 is installed, for example, at a store counter of a financial institution, and by the biometric information registration process described in (A-2-1) described above, the biometric information registration device 2 can be used by a user. Biometric information is registered.
  • the biometric information registration device 2 photographs the user's face in the same manner as in step S104 described above (S301).
  • the biometric information registration device 2 reads the biometric authentication coded data when, for example, the mobile terminal 3 displaying the biometric authentication coded data is held over the code data reading unit 27 (S302).
  • the biometric information registration device 2 compares the feature data acquired from the face photographed image with the feature data of the biometric authentication coded data, and determines whether or not the person is the person (S303). If the identity verification is possible (authentication is OK), the biometric information registration device 2 ends the authentication process, while if the authentication is NG, the process is repeated from step S301.
  • FIG. 8 is an overall configuration diagram showing the overall configuration of the transaction system according to the second embodiment.
  • the transaction system 1000A includes an ATM 1A, the above-mentioned mobile terminal 3, the above-mentioned host computer 4, and a biometric information registration database 5.
  • FIG. 9 is a block diagram showing the configuration of the ATM control system according to the second embodiment.
  • the configuration of the ATM 1A in FIG. 9 is basically the same as the configuration of the ATM 1 of the first embodiment, except that the control unit 10A is applied instead of the control unit 10. In the following, the explanation will be focused on the different points.
  • the biometric information registration processing unit 111 included in the control unit 10A performs a user biometric information registration process (a process of issuing biometric authentication coded data) in cooperation with the biometric information registration database 5.
  • a user biometric information registration process a process of issuing biometric authentication coded data
  • various data formats can be adopted as in the first embodiment.
  • a two-dimensional bar code such as a QR code or a two-dimensional bar code equipped with a security function such as SQRC.
  • SQRC security function
  • the biometric information registration database 5 registers the biometric authentication coded data generated by the ATM 1A and the e-mail address indicating the destination of the biometric authentication coded data.
  • FIG. 8 shows an example in which the ATM 1A and the biometric information registration database 5 are connected via the network N, but the present invention is not limited to this, and for example, the ATM 1A holds the biometric information registration database 5 inside. May be good.
  • FIG. 10 is a flowchart showing a characteristic operation (registration process of biometric information) of ATM1A according to the second embodiment. The following biometric information registration process is executed immediately after the user completes some transaction.
  • the ATM1A (biometric information registration processing unit 111) causes the operation display unit 12 to select a biometric information registration process (whether or not to issue biometric authentication coded data) for performing biometric authentication (face authentication).
  • biometric authentication coded data issuance guidance screen a biometric information registration process (whether or not to issue biometric authentication coded data) for performing biometric authentication (face authentication).
  • biometric authentication coded data issuance guidance screen a biometric information registration process for performing biometric authentication (face authentication).
  • FIG. 11A is an explanatory diagram showing an example of the biometric authentication coded data issuance guidance screen according to the second embodiment.
  • the biometric authentication coded data issuance guidance screen 200 has a “Yes” button 201 indicating that the biometric authentication coded data is to be issued, and a “Yes” button 201 indicating that the biometric authentication coded data is not issued. Has a "No” button 202.
  • the ATM1A receives a selection from the user whether or not to issue the biometric authentication coded data, and for example, when the "Yes" button 201 is selected on the above-mentioned biometric authentication coded data issuance guidance screen 200, the next process is performed. On the other hand, when the "No" button 202 is selected, the series of processes ends (S402).
  • ATM1A photographs the user's face using the camera 19 (S403).
  • ATM1A generates biometric authentication coded data based on the feature data of the face image acquired by shooting and the account information of the medium (cash card, passbook) used in any transaction (S404).
  • the biometric authentication coded data is SQRC
  • the face feature data is encrypted and stored in the private unit
  • the account information is stored in the public unit.
  • the ATM 1A displays an input screen (hereinafter referred to as "e-mail address input screen") for inputting an e-mail address indicating a destination of biometric authentication coded data (electronic data) on the operation display unit 12, and the user displays the input screen. (S405).
  • FIG. 11B is an explanatory diagram showing an example of an email address input screen according to the second embodiment.
  • the e-mail address input screen 250 has an input field 251 for receiving an input of an e-mail address and a "confirmation" button 252 for confirming the input e-mail address.
  • the user has entered an e-mail address (for example, the e-mail address used in the mobile terminal 3) in the input field 251 and pressed the "confirm" button 252.
  • ATM1A registers the input user's e-mail address and biometric authentication coded data in the biometric information registration database 5 via the network N (S406).
  • the ATM 1A displays a guidance screen (hereinafter referred to as "mail transmission guidance screen") for notifying the operation display unit 12 of guidance for sending a biometric authentication coded data by e-mail (guidance to send an e-mail at a later date) (hereinafter referred to as “e-mail transmission guidance screen”).
  • a guidance screen for notifying the operation display unit 12 of guidance for sending a biometric authentication coded data by e-mail (guidance to send an e-mail at a later date) (hereinafter referred to as “e-mail transmission guidance screen”).
  • FIG. 11C is an explanatory diagram showing an example of an email transmission guidance screen according to the second embodiment.
  • the mail transmission guidance screen 300 has a "confirmation" button 301 indicating that the message content has been confirmed together with the transmission guidance message of the mail address.
  • the processing in ATM1A ends. After that, for example, the financial institution (host computer 4) that manages the user's account accesses the biometric information registration database 5 and transmits the biometric authentication coded data to the registered e-mail address.
  • the financial institution host computer 4 that manages the user's account accesses the biometric information registration database 5 and transmits the biometric authentication coded data to the registered e-mail address.
  • step S405 the method of providing the mobile terminal 3 to the user is limited, such as displaying the generated biometric authentication coded data on the screen and having the user take a picture with the mobile terminal 3. is not it.
  • (B-3) Effect of the Second Embodiment it is possible to issue biometric authentication coded data as needed by the user after making an arbitrary transaction at an ATM. Compared to the case of issuing at a counter, the labor of the user can be minimized, and the labor of the bank staff is also reduced, so that the cost can be reduced. In addition, it can be expected to have an advertising effect that a QR code or the like can be used to make a transaction by displaying a guidance screen after making an arbitrary transaction at an ATM.
  • FIG. 12 is an overall configuration diagram showing the overall configuration of the transaction system according to the third embodiment.
  • the transaction system 1000C has an ATM 1B, the above-mentioned mobile terminal 3, and the above-mentioned host computer 4.
  • FIG. 13 is a block diagram showing the configuration of the ATM control system according to the third embodiment.
  • the configuration of the ATM 1B in FIG. 13 is basically the same as the configuration of the ATM 1A of the second embodiment, except that the control unit 10B is applied instead of the control unit 10A. In the following, the explanation will be focused on the different points.
  • the biometric information registration processing unit 111B included in the control unit 10B is activated by executing a dedicated transaction (biological information registration transaction) for registering biometric information from the transaction selection screen displayed on the ATM 1, and is of the first embodiment.
  • a dedicated transaction biological information registration transaction
  • the same control as the biometric information registration process performed by the biometric information registration device 2 is performed. Details of the biological information registration processing unit 111B will be described in the section of operation.
  • FIG. 14 is a flowchart showing a characteristic operation (biometric authentication registration process) of the ATM 1B according to the third embodiment.
  • the ATM1B (biometric information registration processing unit 111B) is a process of registering biometric information (a process of issuing biometric authentication coded data) when a biometric information registration transaction is selected by a user from a state in which a transaction selection screen is displayed. ) Is started (S501).
  • ATM1B reads the information on the insertion medium (user's account information) when the cash card is inserted into the card entry / exit 13 (or the passbook is inserted into the passbook entry / exit 18) by the user (S502).
  • the ATM 1B accepts the input of the password by the user, communicates with the host computer 4 based on the user's account information and the password, and authenticates (S503).
  • the ATM1B photographs the user's face using the camera 19 (S504).
  • ATM1B generates biometric authentication coded data based on the feature data of the face image acquired by shooting and the account information (S505).
  • the biometric authentication coded data is SQRC
  • the face feature data is encrypted and stored in the private unit
  • the account information is stored in the public unit.
  • the ATM1B issues (presents) the biometric authentication coded data generated in step S505 described above to the user (S506).
  • the user photographs the biometric authentication coded data displayed on the ATM 1B using the camera of the mobile terminal 3 held, and stores the captured image inside.
  • the ATM 1B may print the biometric authentication coded data on a sticker or the like and issue it.
  • the printed sticker may be attached to a medium familiar to the user, such as a mobile terminal 3 or a passbook.
  • the ATM1B confirms the validity of the biometric authentication coded data issued in step S506 described above (S507). Specifically, the ATM 1B reads the biometric authentication coded data when the mobile terminal 3 having the biometric authentication coded data issued immediately before is held over the code data reading unit 27. Next, the ATM 1B photographs the user's face in the same manner as in step S504 described above. Then, the ATM 1B compares the feature data acquired from the face photographed image with the feature data of the biometric authentication coded data, and determines whether or not the person is the person himself / herself. If the identity verification is possible (authentication is OK), the ATM1B executes the following process, while if the authentication is NG, the biometric authentication coded data is reissued by restarting from step S502. ..
  • the ATM1B acquires the log up to the issuance of the biometric authentication coded data (S508).
  • the ATM 1B refers to journal data and the like to acquire various logs (photographed user's face image, ATM operation history work, etc.) up to the issuance of biometric authentication coded data.
  • the log data may be transmitted to the host computer 4 for storage, or may be printed on a paper medium and stored.
  • C-3) Effect of Third Embodiment As described above, according to the third embodiment, the following effects can be expected in addition to the same effects as those of the second embodiment. That is, when the user has an intention to start a transaction using biometric authentication (face authentication), it is possible to voluntarily issue biometric authentication coded data by selecting a dedicated transaction in ATM1B. It became. Further, since the biometric authentication coded data is not sent by e-mail at a later date but is immediately issued by ATM1B, it is possible to start a transaction using face authentication at an early stage.
  • biometric authentication face authentication
  • FIG. 15 is an external perspective view showing an external configuration of the safe deposit box device 500 according to the fourth embodiment.
  • the safe deposit box device 500 of the fourth embodiment has an operation display unit 501, a code data reading unit 502, a camera 503, a shutter 504, and a safe deposit box 505.
  • the operation display unit 501 displays, for example, an operation screen, a confirmation screen, etc. related to a safe deposit box transaction, or captures input information input by a user.
  • the operation display unit 12 for example, a touch panel type operation display unit can be applied.
  • the code data reading unit 502 is, for example, a bar code reader, and reads the biometric authentication coded data displayed (or physically pasted) on the mobile terminal 3.
  • the camera 503 has a function of forming an external image (user's face, etc.) on an image sensor such as a CCD or CMOS through a lens and taking a still image or a moving image.
  • an image sensor such as a CCD or CMOS
  • the shutter 504 is an opening / closing body that can be opened / closed, and is opened by, for example, face recognition of a user as described later.
  • the safe box 505 is for inserting or taking out the goods (deposited goods) that the user wants to keep.
  • Each safe box 505 contracted by the user is transported from the safe deposit box (safe deposit box) to the safe deposit box device 500 by authenticating the user.
  • FIG. 16 is a block diagram showing a configuration of a control system of the safe deposit box device according to the fourth embodiment.
  • the safe deposit box device 500 includes a control unit 510, an authentication unit 511, a storage unit 520, an operation display control unit 530, the above-mentioned coded data reading unit 502, the above-mentioned camera 503, a shutter control unit 540, and a safe deposit box. It has a transport control unit 550.
  • the control unit 510 includes a CPU as an example of a hardware processor, reads a predetermined program from a ROM, a RAM, and a storage unit 30 as an example of a memory, loads the program into the CPU, and executes the control to control each unit. Performs various processes related to safe deposit boxes.
  • the authentication unit 511 included in the control unit 510 is a functional unit that performs user authentication processing (face authentication processing) based on the biometric authentication coded data held by the user's mobile terminal 3 and the image taken by the camera 503. be.
  • the storage unit 520 stores a processing program or the like executed by the control unit 510, and is composed of, for example, an HDD, an SSD, or the like, which are examples of non-temporary recording media.
  • the operation display control unit 530 controls the operation of the operation display unit 501 under the control of the control unit 510.
  • the operation display control unit 530 causes the operation display control unit 530 to display a screen based on the screen information from the control unit 510, or gives the information input from the operation display control unit 530 to the control unit 510.
  • the shutter control unit 540 controls to open the shutter 504 when the user's legitimacy is confirmed by the authentication unit 511 and the contracted safe deposit box 505 is transported to the safe deposit box device 500. Further, when the article is taken out from the safe box 505 by the user, the shutter 504 is controlled to be closed.
  • the safe deposit box transport control unit 550 controls the safe deposit box 505 contracted by the user to be transported from the safe deposit box to the safe deposit box device 500 by the transport mechanism. Further, the safe box 505 controls to transport the article to the original storage when the article is taken out from the safe box 505 by the user (when the shutter 504 is closed).
  • FIG. 17 is an example of a flowchart showing a characteristic operation (safe deposit box processing by biometric authentication) of the safe deposit box device 500 according to the fourth embodiment. It is assumed that the biometric authentication coded data of the user has already been issued by the biometric information registration device 2 or the like described above and is held in the mobile terminal 3.
  • the safe deposit box device 500 reads the biometric authentication coded data from the mobile terminal 3 held by the user via the code data reading unit 502 (S601).
  • the safe deposit box device 500 photographs the user's face via the camera 503 (S602).
  • the safe deposit box device 500 is based on the biometric authentication coded data (characteristic data of the decoded face image) read in step S601 described above and the feature data of the face image taken in step S602 described above, and the face of the user. Authenticate (S603). If the safe deposit box device 500 can confirm the identity (authentication is OK), the next process is executed, while if the authentication is NG, the process is repeated from step S601. If the authentication is NG, the transaction may be interrupted.
  • step 603 the safe deposit box device 500 authenticates with a password or the like (S604). Since the personal authentication is completed in step 603 described above, this process may be omitted.
  • the safe deposit box device 500 transports the safe deposit box 505 contracted by the user from the safe deposit box to the safe deposit box device 500, and opens the shutter 504 (S605).
  • the destination (space) where the shutter 504 is opened. ) May eject the key (including the card key) for unlocking the safe box 505.
  • the safe box 505 When the item is taken out from the safe box 505 by the user, the safe box 505 is returned to the original storage and the transaction is terminated (S606).
  • the safe deposit box device can also have the same effect as the ATM described in the first to third embodiments.
  • authentication is performed by face authentication and a personal identification number (the personal identification number is omitted as appropriate), but instead of the personal identification number, palm vein authentication (or iris recognition, (Voice band authentication, etc.) may be used.
  • a general customer is taken as an example of a customer who uses biometric authentication, but it can also be used for operations such as maintenance personnel who operate ATMs and the like. That is, the personal authentication (biometric authentication) using the biometric authentication coded data can also be used for opening and closing the electromagnetic lock of the ATM door when cash loading / collecting, maintenance, status confirmation, etc. are performed at the ATM. Face recognition eliminates the need for a physical key.
  • the transaction system 1000 (1000A, 1000B) has all or / or all of the configurations and / or functions of the modified examples described in the above-described embodiments (E-1) to (E-3). Some may be used in combination. Further, in the transaction system 1000 (1000A, 1000B), at least a part of the configurations and / or functions of the respective embodiments and the modifications described in (E-1) to (E-3) may be omitted. .. Alternatively, at least a part of the configurations and / or functions of each embodiment and the modifications described in (E-1) to (E-3) may be incorporated into other embodiments and (E-1) to (E-3).

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  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
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  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Collating Specific Patterns (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Selon l'invention, un dispositif de traitement qui acquiert une image de visage d'un utilisateur produit des informations de code comprenant au moins des données caractéristiques de l'image de visage de l'utilisateur, fournit les informations de code à l'utilisateur, lit les informations de code, et fait correspondre les données caractéristiques acquises de l'image de visage de l'utilisateur avec les données caractéristiques de l'image de visage incluses dans les informations de code pour vérifier l'identification personnelle.
PCT/JP2021/016152 2020-06-03 2021-04-21 Dispositif de traitement, procédé de traitement et programme WO2021246072A1 (fr)

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Citations (4)

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Publication number Priority date Publication date Assignee Title
JPH09161135A (ja) * 1995-12-13 1997-06-20 Oki Electric Ind Co Ltd 自動取引システム
JP2004152046A (ja) * 2002-10-31 2004-05-27 Oki Electric Ind Co Ltd 利用者認証方法および生体情報記録装置、利用者認証装置、利用者認証システム並びにチケット発行装置
JP2005202729A (ja) * 2004-01-16 2005-07-28 Toshiba Corp 自動取引システム
JP2005301539A (ja) * 2004-04-09 2005-10-27 Oki Electric Ind Co Ltd 顔認証による本人確認システム

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Publication number Priority date Publication date Assignee Title
JPH09161135A (ja) * 1995-12-13 1997-06-20 Oki Electric Ind Co Ltd 自動取引システム
JP2004152046A (ja) * 2002-10-31 2004-05-27 Oki Electric Ind Co Ltd 利用者認証方法および生体情報記録装置、利用者認証装置、利用者認証システム並びにチケット発行装置
JP2005202729A (ja) * 2004-01-16 2005-07-28 Toshiba Corp 自動取引システム
JP2005301539A (ja) * 2004-04-09 2005-10-27 Oki Electric Ind Co Ltd 顔認証による本人確認システム

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