JP4774245B2 - Automatic transaction device for biometric authentication - Google Patents

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution, and more particularly to an automatic transaction apparatus having a biometric authentication function for performing a transaction after verifying the identity of a customer by reading biometric information of a customer.

  In a financial transaction performed between a financial institution and a customer, the financial institution starts the transaction after authenticating the customer. For example, in the case of a transaction using an automatic transaction apparatus (ATM), identity verification is performed using a cash card and a personal identification number. In recent years, damages caused by the use of stolen cards and counterfeit cards have been increasing in transactions with financial institutions, and security improvements have been strongly demanded especially for transactions with automatic transaction devices. .

  As a method for improving the security, biometric information such as a customer's fingerprint or finger vein pattern is registered in an IC chip of a card issued by a financial institution, and the biometric information is verified by authenticating the person from the read biometric information. The authentication system has been put into practical use. In such a biometric authentication system, even if the security code is illegally known to the Service-to-Self by peeping or the like, authentication is performed with biometric information unique to the legitimate customer, so it is possible to ensure security. .

  As an application example of the biometric authentication system, an apparatus that uses fingerprints as biometric information and executes a process that is meaningful for each finger has also been proposed (see Patent Documents 1 to 3).

JP 2001-265915 A JP 2001-274897 A JP 2002-41169 A

Usually, an automatic transaction apparatus is installed on the assumption that not only healthy people but also visually impaired people will use them. Accordingly, tactile symbols provided around a handset with 10 keys and a touch panel are provided as an operation assisting means when a visually handicapped person trades with an automatic transaction apparatus. When visually impaired people use them to enter transaction information, they can place various information on the handset by pressing the 10 key or touching the touch panel ahead of it by relying on tactile pictograms. Can be entered. However, even if a visually handicapped person is peeping into the state of pressing the 10 keys of the handset or touching tactile pictograms, the visually handicapped person cannot notice and is not preferable for crime prevention.
Conventionally, measures for healthy people, such as pasting a back confirmation mirror on the top of an automatic transaction device or pasting a deflection filter on the display screen, have started to spread as a peep prevention for PIN number and amount input etc. It is not a perfect peep prevention measure, and there are few things that can be expected to be effective as a security measure especially when a visually handicapped person operates.

  On the other hand, in Patent Documents 1 to 3, the biometric authentication function is not only used for personal identification but also applied to other operations such as information input. That is, in Patent Document 1, “approval”, “rejection”, and “hold” are registered for each fingerprint of an administrator to ensure PC security and shorten the approval processing time in the workflow. In Patent Document 2, a fingerprint reader is attached to a mobile phone, and a finger corresponding to each telephone number is read and automatically transmitted. In Patent Document 3, in order to ensure the security of the PC, a program corresponding to the read finger is selected and activated / terminated.

  However, none of the known techniques considers specific transaction operations at financial institutions such as input of PIN numbers and amounts in automatic transaction devices, or selection of transaction details, preventing the piss of Service-to-Self in various operations. It was not considered from the viewpoint of doing. In other words, any of the above-described known techniques only supports processing for each different finger in the biometric authentication technique using fingerprints, and the automatic transaction apparatus assumes use of not only healthy persons but also visually impaired persons. Therefore, it has been difficult to realize a configuration that prevents the Service-to-Self peep and secures security.

  An object of the present invention is to provide an automatic transaction apparatus that secures security by preventing peeping, assuming the operation of not only a healthy person but also a visually impaired person.

  In the IC chip of the IC card for registering biometric information, finger veins and fingerprints can be registered up to a total of ten, and numerical values from 0 to 9 are registered corresponding to each finger for each customer. Also, transaction item selection input and processing input such as “confirmation” and “correction” are registered corresponding to each finger. In addition, in these registrations, which finger corresponds to what numerical value and processing can be freely set for each customer. As a result, customers can input their PIN or withdrawal amount or select a transaction, which has traditionally used a touch panel, etc., by simply holding their finger over the ATM biometric information reader. Is possible. In other words, the present invention causes an IC chip mounted on an IC card to function as a converter for input commands and the like.

  Further, by combining the finger information reading device and the touch panel, it is possible to input more complicated processing commands and the like. In addition, when a visually handicapped person operates, the form which can be transacted while hearing voice guidance with a handset is preferable.

  In the present invention, the means for the customer to input various necessary information in the automatic transaction apparatus is a biometric information reading apparatus from the conventional touch panel, so that a finger other than the person who is performing the input operation can start from 0 Since it does not know which numerical value of 9 corresponds to what kind of transaction operation, it can be input with confidence and security can be improved.

  In addition, it is possible for a visually handicapped person to easily carry out a transaction operation without receiving an explanation from an attendant, and it can be expected that barrier-free and improved convenience can be achieved.

  First, the basic configuration of the present invention will be described with reference to FIGS.

  FIG. 1 is a block diagram of an automatic transaction apparatus (hereinafter abbreviated as ATM) according to an embodiment of the present invention. Inserted into the ATM 101 are a finger vein reader 102 that reads a finger vein pattern of a customer as biometric information, a liquid crystal display unit 103 that displays transaction guidance for the customer, and an input unit 104 of a touch panel that is used to input a transaction operation. A card mechanism 105 for processing a card, a banknote depositing / withdrawing mechanism 106 for processing a banknote such as banknote depositing / withdrawing, a coin depositing / withdrawing mechanism 107 for processing a coin such as a coin depositing / withdrawing, and a statement for performing a statement slip printing process A slip printing mechanism 108, a bankbook printing mechanism 109 for printing a bankbook, and a main control unit 110 for controlling the overall operation. The input unit 104 may be a liquid crystal touch panel type integrated with the display unit 103.

The card mechanism 105 is provided with a magnetic stripe read / write unit 111 that reads / writes from / to the magnetic stripe of an IC card inserted by a customer and an IC chip read / write unit 112 that reads / writes from / to an IC chip. The main control unit 110 includes a CPU 113 that controls each process, a memory 114 that stores a program for executing each process, transaction information, and the like, a communication unit 115 that transmits and receives data to and from the host and server, and a customer A recording unit 116 and a power source 117 for sequentially recording transaction information and the like are provided. In addition, a person camera 118 capable of photographing a customer's face image is provided at the upper front of the ATM 101.
FIG. 2 is an external view of the IC card 201. On the IC card 201, a magnetic stripe 202 and a contact type IC chip 203 are mounted. It is also possible to mount a non-contact type IC chip 204 on the IC card 201. FIG. 3 shows an example of a service function stored in the IC chip 203, in which account information such as a cash card and a credit card supported by the issuing financial institution and customer finger vein patterns are registered as biometric information. Yes.

  FIG. 4 is a block diagram of a financial institution system when the customer 205 uses ATM. FIG. 5 shows an example of a customer account ledger data format stored in the database 206 of the IC chip 203 or the host computer 207 of the financial institution.

  Next, as Examples 1 to 3, various embodiments of the present invention using the above-described configuration will be described in detail.

  In order for a customer to start a transaction based on biometric authentication, the customer first applies to the financial institution. Thereafter, the issued IC card is mailed to the home, so the person himself / herself brings the received IC card to a financial institution's branch. Therefore, the biometric information reading device reads the customer's biometric information (fingerprint, finger vein, etc.) by the operation of the attendant and registers it in the IC card brought by the customer. At this time, the biometric information for 10 fingers of both hands is registered, and also which finger corresponds to what numerical value of 0 to 9 and what transaction type / processing is registered. It should be possible for the customer to freely set and select which finger corresponds to what content.

  FIG. 6 is an example of biometric information for 10 fingers of both hands registered in the IC chip 203 of the IC card 201 in this manner and the correspondence thereof. As described above, each finger can be used for withdrawal, deposit, etc. Transaction inputs, process inputs such as confirmation and correction, numerical inputs from 0 to 9, and unit inputs such as ten thousand and thousands are registered while being associated according to instructions from the staff.

  Next, a processing flow when a customer conducts a transaction using the IC card 201 registered as described above will be described with reference to FIG. FIG. 8 is a transaction processing flowchart in the case where a transaction is performed using ten fingers of both hands as the first embodiment of the present invention. In this embodiment, it is assumed that the customer's personal identification number is a numerical value “1248”, the transaction type is “drawer” transaction, and the withdrawal amount is “50,000 yen”.

First, when the customer 205 inserts the IC card 201 into the card mechanism 105 of the ATM 101, the account information is read from the magnetic stripe 202 by the magnetic stripe read / write unit 111 and the IC chip 203 by the IC chip read / write unit 112 (step 301).
Next, in order to authenticate the person based on the biometric information, a guidance screen is displayed on the display unit 103 or operation guidance is given by voice, and the finger of the customer 205 is held over the finger vein reader 102. The vein pattern of the held finger Is read (step 302). The read finger vein pattern of the customer 205 is transmitted to the IC chip 203 via the main control unit 110 and the IC chip read / write unit 112.

  The IC chip 203 authenticates the user by comparing the registered finger vein patterns for the right hand and the left hand with a total of 10 finger vein patterns (step 303). When the personal authentication is completed, the transaction selection screen shown in FIG. 9 is displayed to prompt the customer to select a transaction. In the selection screen of FIG. 9, the finger biometric information corresponding to each pre-registered transaction shown in FIG. 6 may be displayed together or prompted by voice guidance or the like.

  The customer holds a predetermined finger (in this case, the index finger) registered in advance in the finger vein reader 102 for the withdrawal (step 304). In the present embodiment, the left hand or the right hand may be used as long as it is an index finger. The index finger vein pattern read by the finger vein reader 102 is transmitted to the IC chip 203, sequentially verified with the registered ten finger vein patterns, and “draw” is selected by confirming the match with the index finger vein pattern. (Step 305).

  When the transaction selection is finished, the password input screen shown in FIG. 10 is displayed. Similarly to the above, guidance that causes the corresponding finger to be read may be displayed together, or voice guidance may be performed. The customer holds the little finger of the left hand over the finger vein reader 10 in order to input “1” which is the first digit of the password (step 306). The read vein pattern of the little finger of the left hand is transmitted to the IC chip 203, and is sequentially compared with the registered ten finger vein patterns, and the numerical value “1” is input by confirming the match with the vein pattern of the little finger of the left hand Is recognized (step 307).

  Similarly, in order to input “2”, which is the upper second digit of the password, the left ring finger is held up (step 308), and the vein pattern of the registered little finger of the left hand is collated (step 309). In order to input “4” which is the upper third digit of the code number, the index finger of the left hand is held up (step 310) and collated with the registered vein pattern of the index finger of the left hand (step 311). In order to input the upper fourth digit of the personal identification number, that is, the lowest digit “8”, the middle finger of the right hand is held up (step 312) and the vein pattern of the registered middle finger of the right hand is collated (step 313). When the input of the password is completed, a password confirmation screen shown in FIG. 11 is displayed. As a result of the confirmation, if there is no error or the like, the "index finger" corresponding to the meaning of "confirmation" is held (step 314). If a misunderstanding or an input mistake occurs, hold “little finger” for “cancel” and “thumb” for “correct”, and retry input.

  Note that the input order of the personal identification number is not limited to the above, and may be input from the least significant digit to the most significant digit in order, or the customer may input at random according to the instruction from the device. Good. In addition, the input confirmation of the password shown in FIG. 11 may be performed after all four digits have been input, or may be confirmed each time one digit is input and corrected if necessary.

  Next, the withdrawal amount input screen shown in FIG. 12 is displayed. In order to input “5” which is the most significant digit value of the withdrawal amount, the thumb of the left hand is held over the finger vein reader 10 (step 315). The read left vein pattern of the thumb of the left hand is transmitted to the IC chip 203, and a numerical value “5” is input by collating with the registered vein pattern of the thumb of the left hand (step 316). In the same way for the subsequent digits, you may enter numbers sequentially by holding the finger corresponding to each number, but depending on the amount, you entered units such as `` 1000 '', `` 10,000 '', etc. In some cases, the unit input is adopted in this embodiment.

  That is, in order to change from the numerical value input to the unit input when inputting the withdrawal amount, the touch panel is once touched as the end of the numerical value input (step 317). Next, the user holds the thumb to input “10,000”, which is the highest unit of the withdrawal amount (step 318), and collates with the registered vein pattern of the thumb (step 319). Since the withdrawal amount in this embodiment is just 50,000 yen without a fraction, by holding the index finger to input "yen" as a unit (step 320), and collating with the registered vein pattern of the index finger of the left hand The unit “yen” is input (step 321). The unit input may be either the right hand or the left hand as long as the finger type corresponds. When inputting a numerical value such as 54,000 yen in the above input of 50,000 yen, it is convenient that it is possible to return to the numerical value input after the unit input. Therefore, a button for switching between “numerical value input” and “unit input”, a “confirm” button, and the like may be appropriately provided on the display panel.

  When the input of the withdrawal amount is completed, the communication unit 115 of the main control unit 110 transmits the account information read from the IC chip 203, the input personal identification number and the withdrawal amount to the host computer 207 of the business center, and receives necessary information. (Step 322). After that, when a response to permit the transaction is received from the host computer 207, the banknote deposit / withdrawal mechanism 106 and the coin deposit / withdrawal mechanism 107 prepare for withdrawal of the amount input by the customer 205 to the display unit 103 (step 323). . The card mechanism 105 ejects the card 201, and the statement slip printing mechanism 108 ejects the statement slip, which is received by the customer 205 (step 324). The bill deposit / withdrawal mechanism 106 and the coin deposit / withdrawal mechanism 107 release bills or coins from the respective dispensing outlets, and have the customer 201 receive them (step 325).

  Although Example 1 assumes the case where a healthy person mainly operates as a customer, when a visually handicapped person operates, operation guidance with a voice | voice should just be implemented with respect to a customer suitably. For example, the screen display shown in FIGS. 9 to 11 may be performed by voice guidance using a handset or the like. That is, identification information (identification code) indicating that the person is visually impaired is assigned to the recording part (for example, the magnetic stripe part 202, the IC chip 203, the non-contact IC chip 204, etc.) of the IC card 201 held by the visually impaired person. Therefore, when the IC card 201 is inserted into the card mechanism 105 of the ATM 101, it can be determined that the customer is a visually impaired person.

  The ATM 101 guides the visually impaired person through a handset or the like to hold each finger over the finger vein reader 102 for verification of the identity. When the personal verification is completed, voice guidance for prompting the visually handicapped person to select a transaction is implemented based on the correspondence (FIG. 6) between each finger recorded on the IC card 201 and the transaction selection menu. For example, you may just announce that you hold the finger corresponding to the transaction type, or for customers who have forgotten the correspondence between each finger and the processing, please hold your “index finger” for “drawers” . For "Deposit", please hold your "Thumb". By performing voice guidance including the correspondence between each finger and the processing content like “...”, The customer's operation can be assisted. Such detailed voice guidance can be performed not only for visually impaired persons but also for healthy persons who have forgotten the correspondence between each finger and the processing content.

  Thereafter, in the same manner, the respective processes of password entry (steps 306 to 313 in FIG. 8), confirmation of password entry (step 314 in FIG. 8), and designation of withdrawal amount (steps 315 to 321 in FIG. 8). Prior to this, voice guidance may be implemented to prompt the customer to perform an operation, or more detailed voice guidance including the relationship between each finger of the customer and the processing content may be implemented.

  In addition, it is necessary to notify the customer after confirming the PIN number, transaction details, transaction amount, etc., and confirm the input details. However, if a visually impaired person operates, it should be performed only by voice guidance using the handset. To. This is because if the display on the display or the like, normal voice guidance, or the like is used, transaction contents and input contents are grasped by peeping or eavesdropping by a Service-to-Self. Of course, when a healthy person is accompanied by a visually handicapped person, it may be displayed on the screen. In this case, as a transaction selection option shown in FIG. 6 or FIG. 7, “input content confirmation by screen display” may be selected, and whether or not to display the transaction content confirmation screen on the display unit. A selection button or the like may be provided to allow a customer (accompanied healthy person) or a bank attendant to make a selection.

  Next, an embodiment will be described in which correspondence is made to various operations in the same manner as described above using only the finger of one hand. Also in this embodiment, since 10 types of information of 0 to 9 are handled as numerical values, only 5 fingers of one hand are insufficient. Therefore, the shortage is compensated by combining fingers of one hand. FIG. 7 shows an example of correspondence in the case of performing transaction selection, process input, numerical input from 0 to 9 and unit input with only five fingers in one hand for registration to the IC chip 203. In the figure, for example, “thumb + little finger” corresponding to the numerical value input “6” means that the numerical value “6” is input by collating two types of vein data of the thumb and vein data of the little finger. Note that the procedure for registering necessary information such as the correspondence relationship of each finger to the IC card 201 is the same as in the above-described embodiment, and thus the description thereof is omitted.

  FIG. 13 is a transaction processing flowchart of the present embodiment. As in the previous example, the personal identification number is “1248”, the transaction type is “drawer”, and the withdrawal amount is “50,000 yen”. The operation will be described below based on this flowchart.

  First, when the customer 205 inserts the IC card 201, the account information is read from the magnetic stripe 202 or the IC chip 203 (step 401). Next, in order to authenticate the person based on the biometric information, the finger of the customer 205 is held over the finger vein reader 102, and the vein pattern of the held finger is read (step 402). The read finger vein pattern of the customer 205 is transmitted to the IC chip 203. The personal authentication is performed by collating the finger vein pattern for five one-hand totals registered in the IC chip 203 shown in FIG. 7 with the read finger vein pattern (step 403).

  When the personal authentication is completed, the transaction selection screen shown in FIG. 9 is displayed to prompt the customer to select a transaction. The customer places his index finger over the finger vein reader 102 to select the “draw” transaction (step 404). The index finger vein pattern read by the finger vein reader 102 is transmitted to the IC chip 203, sequentially verified with each registered finger vein pattern, and the “draw” transaction is selected by confirming the match with the index finger vein pattern. This is recognized (step 405).

  When the transaction selection is completed, the password input screen shown in FIG. 10 is displayed, and the customer places his / her little finger over the finger vein reader 10 to input the numerical value “1” which is the first digit of the password (step 406). ). The read vein pattern of the little finger is transmitted to the IC chip 203 and collated (confirmed) with the registered little finger vein pattern (step 407). Similarly, in order to input the numerical value “2” which is the second digit of the code number, the selling customer holds the ring finger (step 408) and collates with the registered vein pattern of the little finger (step 409). In order to input the numerical value “4” which is the third digit of the code number, the customer holds the index finger (step 410), and is compared with the registered vein pattern of the index finger (step 411).

  Subsequently, in order to input the numerical value “8” which is the fourth digit (lowest digit) of the personal identification number, the user first holds the thumb corresponding to the numerical value “5” (step 412), and the registered vein pattern of the thumb By collating, a numerical value “5” is input (step 413). Next, the touch panel is touched to instruct addition of numerical values (step 414). It should be noted that a “numerical value addition button” that means numerical addition may be separately provided on the touch panel. Then, by holding the middle finger corresponding to the numerical value “3” (step 415) and collating with the registered vein pattern of the middle finger, the numerical value “3” for addition is input (step 416). As a result, “5 + 3 = 8” is determined and input as the fourth digit number of the personal identification number.

  In addition, it may be made to associate with another numerical value by adding the numerical value corresponding to each finger preliminarily given as described above, or a specific meaning is given to the combination itself. It may be registered in the IC card 201. For example, “little finger + little finger” may be associated with the numerical value “20”. In this case, in order to notify the ATM 201 of the combination input, a “combination input button” or the like may be provided on the touch panel or the like.

  When the input of the personal identification number is completed, the withdrawal amount input screen shown in FIG. 12 is displayed, and the customer holds the thumb over the finger vein reader 10 in order to input the numerical value “5” which is the first digit of the withdrawal amount ( Step 417). The read vein pattern of the thumb is transmitted to the IC chip 203, and a numerical value “5” is input by collating with the registered vein pattern of the thumb (step 418).

  Subsequently, in order to change the input from the numerical value to the unit input in the input of the withdrawal amount, the touch panel is once touched as the end of the numerical value input (step 419). Then, in order to input “10,000” which is a unit of the withdrawal amount, the customer holds his / her thumb (step 420) and collates with the registered vein pattern of the thumb (step 421). Further, in order to determine the withdrawal amount, the index finger is held up to input “yen” indicating the amount unit (step 422), and the vein pattern of the registered index finger of the left hand is compared (step 423). The amount “50,000 yen” is input as described above.

  When the input of the withdrawal amount is completed, the communication unit 115 of the main control unit 110 transmits the account information read from the IC chip 203, the input personal identification number and the withdrawal amount to the host computer 207 of the business center, and receives necessary information. (Step 424). After that, when a response to permit the transaction is received from the host computer 207, the banknote deposit / withdrawal mechanism 106 and the coin deposit / withdrawal mechanism 107 prepare for withdrawal of the amount input by the customer 205 to the display unit 103 (step 425). . The card mechanism 105 ejects the card 201, and the statement slip printing mechanism 108 ejects the statement slip, which is received by the customer 205 (step 426). The bill deposit / withdrawal mechanism 106 and the coin deposit / withdrawal mechanism 107 release bills or coins from the respective dispensing outlets and have the customer 201 receive them (step 427).

  As in the second embodiment, this embodiment can also be used when a visually handicapped person uses it by appropriately performing voice guidance or the like as necessary.

  In addition, although the case where the finger vein was used as biometric information was assumed in the above description through Examples 1-3, the same effect is acquired also when a fingerprint is used. The biometric information is registered using the IC chip 203 mounted on the card 201. However, finger information is registered in a mobile terminal, for example, a mobile phone, and the IC card read / write unit 112 of the ATM 101 is not only a contact type. If the non-contact type can be used, the same effect can be obtained by wirelessly reading the finger information registered in the mobile phone.

It is a block diagram of the biometric authentication system in ATM concerning this embodiment. It is an external view of the card | curd in which an IC chip is mounted. It is an example of a service function built in an IC chip. It is a system block diagram at the time of a customer using ATM. It is a data format figure of the account ledger stored in the host. It is a data format figure of the biometric information stored in IC chip. It is a data format figure of the biometric information stored in IC chip. It is an example of the transaction processing flowchart concerning this embodiment. It is an example of a transaction selection screen displayed by ATM. It is an example of a personal identification number input screen displayed by ATM. It is an example of a personal identification number confirmation screen displayed by ATM. It is an example of the drawing amount input screen displayed by ATM. It is an example of the transaction processing flowchart concerning this embodiment.

Explanation of symbols

101: ATM
102: Finger vein reader 103: Display unit 104: Input unit 105: Card mechanism 106: Bill deposit / withdrawal mechanism
107: Coin deposit / withdrawal mechanism 108: Statement slip printing mechanism 109: Passbook printing mechanism 110: Main control unit 111: Magnetic stripe read / write unit 112: IC chip read / write unit 113: CPU
114: Memory 116: Recording unit 118: Human camera 201: Card 202: Magnetic stripe 203: IC chip 205: Customer 206: Database 207: Host computer

Claims (8)

An automatic transaction apparatus in which a customer performs a transaction in a financial institution,
Biometric information reading means for reading biometric information of a finger;
IC card reading means for reading information recorded on the IC card or writing information on the IC card;
The biometric information read by the biometric information reading means is transmitted to the IC card via the IC card reading means, and a plurality of transaction operations stored in the IC card in association with the biometric information of each finger of the customer The customer through the means for reading the biometric information for each finger of the customer read by the biometric information reading means and the contents of the transaction operation corresponding to the transaction guidance by the IC card reading means from the contents, and voice guidance to the customer A control unit for controlling processing according to the transaction operation content, including at least an output of voice guidance related to the transaction operation content according to the biometric information of each finger and the transaction guidance ;
An automatic transaction apparatus comprising: The automatic transaction apparatus according to claim 1,
The automatic transaction apparatus, wherein the biometric information is a customer's fingerprint. The automatic transaction apparatus according to claim 1,
The automatic transaction apparatus, wherein the biological information is a finger vein of a customer. The automatic transaction apparatus according to any one of claims 1 to 3,
The transaction operation content associated with each of the customer's fingers includes a numerical value input operation of any one of 0-9. The automatic transaction apparatus according to any one of claims 1 to 4,
The transaction operation content associated with each of the customer's fingers includes a transaction type selection input operation. The automatic transaction apparatus according to any one of claims 1 to 5,
The said control part controls a process based on the transaction operation content determined by the combination of two or more fingers of a customer, The automatic transaction apparatus characterized by the above-mentioned. The automatic transaction apparatus according to any one of claims 1 to 6,
It further has an input means for inputting a transaction operation,
The said control part controls the process according to this transaction operation content by the combination of a customer's biometric information and the transaction operation information from the said input means, The automatic transaction apparatus characterized by the above-mentioned. The automatic transaction apparatus according to claim 7,
The automatic transaction apparatus, wherein the input means is a touch panel.

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