JP2007193476A - Biometrics authentication device and transaction processing method using biometrics authentication - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To achieve a multi-modal biological information authentication device and an automatic transaction method which are convenient for a user while maintaining an authentication function whose security is high. <P>SOLUTION: This biometrics authentication device for reading a plurality of pieces of biological information registered in an IC card owned by a user, and for combining biometrics authentications in a plurality of pieces of registered biological information to perform personal identification is provided with: a card reading means for reading an IC card in which the plurality of pieces of biological information of the user are preliminarily registered; an operation part including a display part for displaying a guide picture for transaction and an input part for performing input by a user; and a biometrics authentication means for reading the biological information of the user to perform biometrics authentication. A requested transaction item is selected according to the operation of the input part from the transaction items displayed at the display part, and the biometrics authentication of the user is operated by the biometrics authentication means based on the plurality of pieces of biological information registered in the IC card, and the biometrics authentication of the user is repeatedly executed so that authentication level of the biometrics authentication can reach a biometrics authentication level set corresponding to the selected transaction item. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a biometric authentication device and a transaction processing method using biometric authentication, and in particular, a multimodal biometric authentication device that authenticates a legitimate person using biometric information such as vein information, and such multimodal biometric authentication. It is related with the transaction processing method in the automatic teller machine (ATM) which authenticates a user himself / herself and performs a transaction of cash.

  In recent years, with the rapid development of an information-oriented society, management awareness of personal information and confidentiality is increasing in companies and local governments. In the financial industry, fraudulent transactions such as forgery of stamps and forgery of cards are a major problem. Along with this, biometrics using “individual features” are being recognized as more accurate personal authentication means with less risk of counterfeiting, theft, loss, and unauthorized transfer.

  Furthermore, as users, usage environments, and purposes of biometric authentication technology continue to diversify, it is considered difficult to meet these diversified requirements with a single biometric. On the other hand, it is said that a multimodal biometric authentication technique based on a combination of a plurality of biometric techniques is effective. Multimodal biometrics authentication technology is a technology that identifies individuals by combining multiple biometrics and performing fusion determination, thereby improving accuracy, acceptability, convenience, and physical counterfeit resistance of biological information It is possible to make it.

  As a personal authentication method using multimodal biometrics authentication technology, for example, there is one disclosed in Japanese Patent Publication No. 2003-30154 (Patent Document 1). This personal authentication method acquires a plurality of types of biometric information from a user at the time of registration, extracts feature information from each acquired biometric information, and estimates the authentication accuracy for each combination of the feature information. At the time of authentication, at least one type of biometric information is acquired from the user, feature information is extracted from each acquired biometric information, personal authentication is performed in comparison with the feature information of the registered biometric information, and according to the authentication accuracy, This is a personal authentication method for controlling the operation of the person to be authenticated.

  Moreover, as what utilized the personal authentication technique by biometric information for ATM, there exists Unexamined-Japanese-Patent No. 2002-298202 (patent document 2), for example. This ATM uses the fingerprint token that stores the user's own fingerprint data and the user's account number to permit cash withdrawal, and the fingerprint data and registration data read by the fingerprint sensor of the fingerprint token. If they match, the stored account number is transmitted to the ATM, the balance corresponding to the account is acquired, and cash payment according to this balance is permitted.

JP 2003-30154 A JP 2002-298202 A

  According to the above-described conventional technology, the authentication based on the biometric information is used to restrict the operation in accordance with the degree of authentication, or the transaction can be performed based on the authentication result of the user. An extremely few high security system can be obtained. Also, as disclosed in Patent Document 1, by using a multi-modal biometric authentication technique using a plurality of biometric information, an authentication system corresponding to further diversification of the user, use environment, and purpose of the authentication technique using biometric information Can be expected to be realized. However, on the other hand, there arises a problem that the authentication operation on the user side becomes complicated in order to use these technologies.

  For example, in the case of multimodal biometric authentication using a plurality of biometric information, it tends to be difficult for the user to appropriately provide biometric information as requested by the apparatus at the time of authentication. For example, a user needs to memorize a plurality of living organisms that he / she registered correctly, but when the user is a child or an elderly person, various processes such as changing registered data and adding functions are performed by the device. When it is performed, there arises a situation in which it is not possible to cope with such complicated processing only by personal memory. As described above, as the biometric authentication technology is advanced and the application range of the user is further expanded, the operation of the user who handles the device tends to be complicated. Patent Documents 1 and 2 do not disclose matters that consider even the improvement in operability for such users.

  Furthermore, as shown in Patent Document 1, the authentication method for controlling the user's operation according to the authentication accuracy based on the plurality of pieces of biometric information registered by the user achieves a result suitable for the purpose desired by the user. It is not certain whether it can be done, and when such an authentication method is applied to a transaction processing apparatus, it cannot always satisfy the customer. Furthermore, it is necessary for the customer to grasp his / her registered biometric information, and it is very difficult for the customer to handle the requested transaction.

  An object of the present invention is to provide a multimodal biometric information authentication apparatus and an automatic transaction method that are easy to use for a user while maintaining a highly secure authentication function.

Preferably, the present invention provides a biometric authentication apparatus that reads a plurality of pieces of biometric information registered in an IC card possessed by a user, and performs personal authentication by combining biometric authentication in the read plurality of registered pieces of biometric information. Card reading means for reading an IC card in which a plurality of pieces of biological information of the user are registered, an operation unit including a display unit for displaying a guidance screen for transactions and an input unit for input by the user, and the biological information of the user A biometric authentication means for performing biometric reading, selecting a desired transaction item from the transaction item displayed on the display unit by operating the input unit, and biometric authentication based on a plurality of biometric information registered in the IC card The biometric authentication of the user is performed by the means, and the biometric authentication of the user is repeated so that the biometric authentication level reaches the biometric level provided corresponding to the selected transaction item. In the biometric authentication device to execute.
In a preferred example, finger vein information is registered for each type of finger as a plurality of pieces of biometric information in the IC card, and the biometric authentication means performs authentication using the finger vein information.
Preferably, the biometric authentication unit determines the number of times biometric authentication is repeated based on the authentication result obtained by performing the initial biometric authentication, and performs biometric authentication within the range of the repeat count.

The transaction processing method according to the present invention is preferably a card reading means for reading an IC card in which a plurality of biometric information of users is registered in advance, a display unit for displaying a guidance screen for transactions, and an input input by the user Transaction in an automatic transaction apparatus having an operation unit including a unit and biometric authentication means for reading biometric information of the user and performing biometric authentication, authenticating the biometric information of the user, confirming the identity of the user, and performing transaction processing In the processing method, a first list display step of displaying a list of biological types on the display unit from a plurality of pieces of biological information registered in the IC card after operating the operation unit to select a transaction content desired by the user; A first biometric selection step of selecting a biometric type to be biometrically authenticated from the list display, and a second list display step of displaying a list on the display unit again based on the authentication level of the selected biometric type A second biometric selection step for selecting a biometric type to be biometrically authenticated from the list display, and a second list display so as to reach the biometric authentication level provided corresponding to the selected transaction content The transaction processing method includes a step and a step of repeatedly executing the second biological selection step.
For example, the list display displayed in the first and second list displays includes at least one of characters, numbers, and illustrations representing the types of fingers registered in advance.

  According to the present invention, it is possible to provide a multimodal biometric information authentication device and an automatic transaction method that are easy to use for a user while maintaining a highly secure authentication function.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
This embodiment is an example applied to an automatic teller machine (ATM) used in a financial institution system such as a bank system.
FIG. 1 is a cash transaction system including an ATM 1 and a host computer, and FIG. 2 is an internal configuration diagram of the ATM and the host computer. 1 and 2, ATM 1 is installed in a financial institution or the like, and performs transactions such as cash deposits and withdrawals by user operations. The ATM 1 is connected to a host computer (hereinafter simply referred to as a host) 11 via the network from the line connection unit 8.

  In this example, the user performs a cash transaction from an ATM using an IC card as a cash card. The IC card has an IC chip and a magnetic stripe. In the magnetic stripe, management information including user account information for transactions is recorded. A plurality of biological information of users is registered in the IC chip. The IC chip also stores information for managing the biological information of the user and information necessary for transactions. The detailed configuration will be described later with reference to FIG.

  The ATM 1 provides transaction services such as deposit / withdrawal and transfer to the user, and includes an operation unit 3, a card mechanism unit / detail slip mechanism unit 4, a passbook mechanism unit 5, a banknote deposit / withdrawal mechanism unit 6, and a coin deposit / withdrawal mechanism. Unit 7, line connection unit 8, voice guidance guidance unit 9, vein authentication mechanism unit 10, and control unit 2 that controls these units. The control unit 2 includes hardware such as a CPU (processor) and a memory, and software such as programs and data executed by the hardware, and performs various transaction processes described later under the control of the control unit 2. Realize.

Each component part of ATM1 is demonstrated.
The operation unit 3 includes a key input unit and a display unit (also referred to as an input display unit) such as a touch panel. When a user conducts a transaction at an ATM, a transaction operation guidance screen is displayed on the display unit. While viewing the guidance display screen, the user operates a finger to enter a password or deposit / withdrawal amount from the input unit. input. In addition to being displayed on the operation unit 3, the guidance for the transaction operation for the user is output by voice from the voice guidance guidance unit 9.

  The card mechanism section / detail slip mechanism section 4 functions as an IC card transport control mechanism for controlling insertion and ejection of an IC card by a user, and a magnetic stripe reading / writing section for reading and writing information on a magnetic stripe. An IC chip reading / writing unit for reading and writing information on the IC chip, and an image processing mechanism unit for reading an image of the embossed portion of the IC card. The statement slip mechanism unit includes a printing unit that prints the transaction contents on the statement slip, and a discharge mechanism that conveys and discharges the statement slip. The passbook mechanism unit 5 prints the transaction contents on the passbook, a transport mechanism for inserting and discharging the user's passbook, a magnetic stripe read / write unit for reading and writing information on the magnetic stripes attached to the passbook, and the transaction contents. It has a printing part.

The bill deposit / withdrawal mechanism unit 6 and the coin deposit / withdrawal mechanism unit 7 include a mechanism unit for depositing and withdrawing banknotes and coin cash, a mechanism unit for transporting, identifying and storing these cash, and a control unit thereof. Have.
The vein authentication mechanism unit 10 performs authentication by comparing a reading mechanism for reading the finger vein of the user, and finger vein data read by the reading mechanism and authentication data registered in the user's IC card. It has a function. The line connection unit 8 connects the ATM 1 to the host 10 via the network. The control unit 2 controls these parts 3 to 10.

Next, the configuration of the host 11 will be described.
The host 11 includes a line connection unit 12 that transmits / receives data to / from the ATM 1, a file unit 14, and an account information file control unit that controls the account information file 16 among a plurality of files included in the file unit 15. 13 and a host computer control unit (referred to as a host control unit) 15 for controlling them. The file unit 14 includes an account information file 16 that stores management information including user account information, a user personal information file that stores user personal information (for example, an address, etc.) corresponding to the account information, and the like. It is configured with various files 17. The host control unit 15 has a CPU and performs various data processing including cash transactions.

  The account information file 16 also stores the user's personal identification number. The host control unit 11 compares the personal identification number registered in the account information file 16 with the personal identification number included in the data transmitted from the ATM 1. The comparison result is returned to ATM1. In this way, the legitimacy of the password entered from the operation unit 3 of the ATM 1 is judged, and the transaction is permitted only to a legitimate user as a result of the comparison.

In the configuration of the ATM 1, the control unit 2 has a characteristic table for controlling operation guidance for transactions in the ATM. Hereinafter, the configuration of these tables will be described with reference to FIG.
The product table 601 in (a) is a table that sets a rank for each transaction and determines whether the transaction is possible based on whether or not the points set in the rank are satisfied. In the illustrated example, ranks A, B, and C are set for three types of transactions.

The authentication table 602 in (b) shows points (weights) when each authentication registered in the table is performed. In this example, fingerprint point “1” to palm point “8” are set. The number-of-authentication times table 603 in (c) registers the upper limit number of times that authentication is guided in one transaction. This example shows that authentication is permitted up to the set value “2” times.
The point table 604 of (d) registers a point value that can be traded when the points corresponding to the respective ranks A to C are satisfied. The authentication rate table 605 in (e) shows the authentication success rate.

FIG. 3 shows a data configuration example of the IC chip 300.
The IC chip 300 registers the application program 301, vein authentication program 302, registered ecological type data 303, preprocessing data 304, vein data 305, palm data 306, and fingerprint data 307. Here, the application program 301 is a program for processing and managing information in order to use the IC card as a cash card. The vein authentication program 302 is a program for performing vein authentication within the IC chip. The registration type data 303 is information indicating which finger is registered in the IC chip. The preprocess data 304 is not information that can identify an individual, but information for determining that the finger is correctly placed when the finger is placed on the vein authentication mechanism unit 9. The vein data 305, palm data 306, and fingerprint data 307 are biometric information for specifying an individual used for authentication in the IC chip.

Next, with reference to FIG.4 and FIG.5, the transaction processing flow in the case of transaction using vein authentication in ATM1 is demonstrated.
4 and 5 show a transaction processing flow in ATM1 using an IC card. Moreover, FIGS. 7-11 shows the operation guidance screen at the time of transaction operation in ATM1.
4 and 5, an initial screen for guidance of transaction operation is displayed on the operation unit 3 of the ATM 1 (S400). For example, transaction items that can be traded at ATM 1 include “transfer”, “passbook entry”, “cashing”, “various transactions”, “withdrawal”, “deposit”, and “transfer” as shown in FIG. A start button for various transaction items such as “Balance inquiry” is displayed.

  Next, when the user selects, for example, “various transactions” from the displayed transaction items (pressing the selection button) (S401), the operation unit 3 detects the selection and starts the selected transaction. Subsequently, a guidance screen (FIG. 7B) for prompting insertion of a card is displayed on the operation unit 3, and the card mechanism unit 4 stands by in a card insertion waiting state for accepting an IC card inserted by the user (S402). ). Next, when an IC card possessed by the user is inserted into a card insertion slot (not shown) of the card mechanism unit 4 (S403), the card mechanism unit 4 reads information on the magnetic stripe of the inserted card. Subsequently, a data reading screen (FIG. 7C) is displayed on the operation unit 3 (S404), and the card mechanism unit 4 reads the vein data registered in the IC chip of the IC card according to the control of the control unit 2. (S405).

  Subsequently, the operation unit 3 displays a guidance screen (FIG. 8D) for selecting a desired product. When the user selects a desired product from the displayed product items (S406), the rank of the selected product (product table 601), the biometric information of the card mechanism unit 4, and the authentication count (authentication count table). 603) and re-authentication, the product point (point table 604), the authentication rate (authentication rate table 605), and the point (authentication table 602) are used to derive an under-authentication result (product point−authentication rate × points). Biometric authentication items necessary for the calculation are calculated (S407).

  An example of the operation example in step S407 will be described. For example, if the number of authentications is 2 and the mortgage (rank C: 12 points), the required point is 12 points and the authentication point (weight) is the largest palm (8 points) in the initial determination. (4 points) Even if the following authentication types are selected, 12 points or more are not reached, so authentication of “fingerprint”, “thumb”, and “index finger” is invalidated. Next, in the second determination, the first “middle finger” authentication (weight point 5) is performed, and when the authentication rate at that time is “0.999”, 12−5 × 0.999 = 7.005 (remaining necessary points) In the second authentication, 8 or more weight points are required, and only “palm” (weight point 8) can be selected for authentication.

  Next, a screen (FIG. 8 (e)) is displayed on the operation unit 3 for a plurality of biometric authentication items (authentication types necessary for lacking points) obtained with reference to each table in FIG. 6 (S408). The user selects an authentication means from among a plurality of biometric items displayed on the screen (S409). Subsequently, an authentication guidance screen (FIG. 9 (j)) is displayed on the operation unit 3 (S410).

  When the user touches the selected item (finger or palm, etc.) with the vein authentication mechanism unit 10 in accordance with the display of the guidance screen, the vein authentication mechanism unit 10 acquires the biometric of the corresponding place, and data for biometric authentication The matching process is performed (S412). At that time, a guidance screen (FIG. 10 (k)) indicating that the biometric information of the user is being collated with the registered biometric information is displayed on the operation unit 3 (S411). In the data verification process (S412), the vein authentication mechanism unit 10 reads the information of the held biological body and compares the type of the held biological body with the biological type data 303 registered in the IC chip. . Further, it is compared with the preprocessing data 304 registered in the IC chip to check whether the living body is correctly held. Further, comparison is performed with the vein data 305 registered in the IC chip (S412). Furthermore, it reads the information about the type of the held biological body, verifies whether the information matches the registered information recorded in the card, and authenticates the identity of the user from those verification results. Do.

Furthermore, the vein authentication mechanism unit 10 reads information on the type of the held biological body, collates whether each information matches the registered information recorded in the IC card, and identifies the person from the collation result. Authenticate that As a result of authentication, when the number of authentications is less than the number-of-authentications table 603 and the point of the point table 604 corresponding to the product in the product table 601 has not been reached (S413), the biometric type to be authenticated is obtained again (step 407).
On the other hand, when the value of the authentication count table 603 has been reached and the point of the point table 604 has not been reached, the operation unit 3 displays a re-operation screen (FIG. 11 (n)) and ends the processing ( S414). When the point table 604 in FIG. 6 has been reached, the operation unit 3 displays the password input screen (FIG. 10 (l)) (S415), and the user follows the display on the guidance screen and the numeric keypad on the operation guidance screen. The personal identification number is input from (S416). In the IC chip, the input password is compared with the password read from the IC chip by the card mechanism unit 4 (S417). If the comparison result shows a mismatch, the number of inputs is updated and compared with a predetermined number of times set in advance (S420). As a result of the comparison, if the number of inputs exceeds the predetermined number, the card is returned (S421), a re-operation screen (FIG. 11 (n)) is displayed on the operation unit 3, and the process is terminated. As a result of the comparison, if the number of times of input is less than the predetermined number, the operation unit 3 displays a password number input screen (FIG. 10 (l)) in order to perform the above-described comparison of the password numbers again (S415). .
As a result of the collation of the above-mentioned personal identification number (S417), if they match (S418), the operation unit 3 displays the center transmission / reception screen (FIG. 11 (o)), and the control unit 2 performs the transaction during this time. Transaction data is sent to and received from the host 11 and transaction processing is performed (S419).

  In the selection operation of various products (S406), the user selects a free loan from the selection screen of the operation unit 3 (FIG. 8D), and the fingerprint is displayed on the operation unit 3 on the authentication selection screen (FIG. 8E). Is selected (S409). When the authentication is OK and the point is "1" (S413), 5 points are insufficient (S407), and the authentication selection screen (FIG. 8 (f)) is displayed again on the operation unit 3. On the authentication selection screen (FIG. 8 (e)), the user selects the index finger with the operation unit 3 and becomes authentication OK. When the point becomes 4 (S413), 2 points are insufficient (S407). A second authentication selection screen (FIG. 9G) is displayed on the operation unit 3.

  In the selection operation of various products (S406), the user selects a mortgage from the selection screen of the operation unit 3 (FIG. 8D), and the index finger is operated by the operation unit 3 on the authentication selection screen (FIG. 9H). Is selected, authentication is OK, and when the point becomes 4 (S413), because 8 points are insufficient (S407), an authentication selection screen (FIG. 9- (i)) is displayed on the operation unit 3 again.

  As described above, according to this embodiment, since the apparatus automatically recognizes biometric information registered by the user from a storage medium such as an IC card, the user confirms the degree of authentication necessary for the requested transaction content. And there is no need to select the registered biological information that is needed. Moreover, it is not necessary to memorize those contents. Based on the guidance display on the ATM guidance screen, it is sufficient to receive only authentication with a plurality of biometric information. The authentication is repeated, and the desired transaction is established when the required level of authentication is reached. I can do it. In addition, here, if the authentication level required for the desired transaction is not obtained, it can be determined from the guidance display that the authentication level has not been reached, and other biometric information registration procedures will be performed later. What is necessary is just to perform transaction processing with this apparatus again.

Further, by using finger vein information registered for each type of finger as a plurality of pieces of biological information, for example, by displaying the type of finger (thumb, one finger, middle finger, ring finger, little finger, etc.) for guidance, the user However, it is obvious at a glance which finger has been registered, and the authentication process can proceed smoothly.
Furthermore, since the biometric authentication unit is configured to determine the number of repetitions of biometric authentication based on the authentication result obtained by performing the initial biometric authentication, the biometric authentication is performed within the range of the number of repetitions. If the desired authentication level is not reached even if the number of times is executed, the process of canceling the biometric authentication may be stopped. Further, the authentication determination may be performed based on whether or not the authentication degree reached by the predetermined number of biometric authentications is within the allowable authentication accuracy range. In this way, by setting the number of repetitions of biometric authentication, the effect of shortening the transaction time of the user and facilitating the operation content is created, and the transaction can be speeded up.

  Further, according to the transaction processing method according to the present embodiment, the biometric information is selected from the list display, and the biometric authentication is repeated, thereby improving the biometric authentication accuracy and corresponding to the selected transaction content. Since the transaction processing is performed upon reaching the biometric authentication level, even if the transaction content is important content that requires security, the authentication level of the person can be dealt with. This can be realized by repeatedly executing the personal authentication until the authentication accuracy is reached.

Although one embodiment has been described above, the present invention is not limited to the above embodiment.
For example, in the above embodiment, the number of repetitions is determined before the start of the transaction, but the number of repetitions can also be determined based on the initial authentication result (authentication rate). When the authentication rate is high (the establishment of the identity is high), the number of repetitions can be increased.
Further, in this embodiment, since the number of repetitions (the number of authentications is 2), for the mortgage (12 points) product, an authentication type having points (weights) equal to or lower than the “index finger” cannot be selected. In other words, users who have only pre-registered authentication, such as “palm”, “fingerprint”, and “forefinger”, can handle mortgage products, but if the number of authentications is 3, the mortgage product can be used, It is also possible to increase the pattern of conditions for handling products.

  Further, although the personal identification number is input after the biometric authentication, it may be performed before the authentication, and the number of authentications and the authentication type may be changed using the personal identification number as a key. For example, it is determined that only a specific user can be registered for the personal identification number “1234”. When the personal identification number “1234” is input and matches the personal identification number in the IC card, the number of times of authentication is normally changed from 2 to 3 times. Normally, “palm” authentication cannot be performed, but the range of use such as the ability to change authentication selection conditions, such as displaying the “palm” key on the authentication type selection screen, can be expanded.

In the above embodiment, the transaction of the loan product is shown, but the authentication type can be changed by the user depending on the withdrawal amount specified. In addition, the authentication rate, authentication point, number of times of authentication, and rank are used to determine the display of the authentication type, but only one number of authentication is used, and all types are not used. The display of the authentication type may be determined as described above.
It is also possible to substitute a password, a date of birth, age, constellation of the birth month, personal numbers such as blood, letters, and the like.

  In the above embodiment, the type of finger is described as the biometric information. For example, the palm of the right hand and the palm of the left hand are displayed for guidance in the case of a palm. Biological information that has already been registered, such as the middle finger of the right hand, the little finger fingerprint of the left hand, and the color of the right eye, can also be guided and guided by a list display with letters, numbers, illustrations, and the like.

The schematic diagram which shows the cash transaction system containing ATM and a host computer. The figure which shows the internal structure of the cash transaction system containing ATM and host computer by one Example. The figure which shows the data structure of the IC chip in one Example. The flowchart which shows the transaction processing using the vein authentication in ATM by one Example. The flowchart which shows the transaction processing using the vein authentication in ATM by one Example. The figure which shows the table for controlling the display of each authentication key in ATM by one Example. The figure which shows the guidance screen of the transaction process using the vein authentication in ATM by one Example. The figure which shows the guidance screen of the transaction process using the vein authentication in ATM by one Example. The figure which shows the guidance screen of the transaction process using the vein authentication in ATM by one Example. The figure which shows the guidance screen of the transaction process using the vein authentication in ATM by one Example. The figure which shows the guidance screen of the transaction process using the vein authentication in ATM by one Example.

Explanation of symbols

1: ATM, 2: control unit, 3: operation unit, 4: card mechanism unit / detail slip mechanism unit, 5: passbook mechanism unit, 6: bill deposit / withdrawal mechanism unit, 7: coin deposit / withdrawal mechanism unit, 8: line Connection part, 9: Voice guidance guidance part, 10: Vein authentication mechanism part, 11: Host computer, 12: Line connection part, 13: Account information file control part, 14: File part, 15: Host computer control part, 16: Account information file, 17: various files, 300: IC chip.

Claims (5)

In a biometric authentication apparatus that reads a plurality of pieces of biometric information registered in an IC card possessed by a user, and performs personal authentication by combining biometric authentication in the read plurality of registered pieces of biometric information,
Card reading means for reading an IC card in which a plurality of pieces of biological information of the user are registered in advance, an operation unit including a display unit for displaying a guidance screen for transactions and an input unit for input by the user, and the biological information of the user And biometric authentication means for performing biometric authentication,
A desired transaction item is selected from the transaction items displayed on the display unit by operating the input unit, and biometric authentication of the user is performed by the biometric authentication unit based on a plurality of pieces of biometric information registered in the IC card. A biometric authentication device that repeatedly executes biometric authentication of the user so that the biometric authentication level reaches a biometric level provided corresponding to the selected transaction item.   The finger vein information is registered for each kind of finger as the plurality of pieces of biometric information in the IC card, and the biometric authentication unit performs authentication using the finger vein information. Biometric authentication device. The biometric authentication device according to claim 1, wherein the biometric authentication unit determines the number of repetitions of biometric authentication based on an authentication result obtained by performing the initial biometric authentication, and performs biometric authentication within the range of the repetition count. Card reading means for reading an IC card in which a plurality of pieces of biological information of the user are registered in advance, an operation unit including a display unit for displaying a guidance screen for transactions and an input unit for input by the user, and the biological information of the user In a transaction processing method in an automatic transaction apparatus that has biometric authentication means for performing biometric authentication, authenticating a user's biometric information, confirming the identity of the user, and performing transaction processing,
A first list display step of displaying a list of biometric types on the display unit from a plurality of pieces of biometric information registered in the IC card after operating the operation unit and selecting transaction details desired by the user;
A first biometric selection step of selecting a biometric type to be biometrically authenticated from the list display;
A second list display step of displaying a list again on the display unit based on the authentication level of the selected biometric type;
A second biometric selection step for selecting a biometric type to be biometrically authenticated from the list display;
A transaction processing method comprising: a step of repeatedly executing the second list display step and the second biometric selection step so as to reach a biometric authentication level provided corresponding to the selected transaction content .   5. The transaction processing method according to claim 4, wherein the list display displayed in the first and second list displays includes at least one of a character, a number, and an illustration representing a finger type registered in advance.

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