JP3459568B2 - Automatic trading system - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system including a terminal unit such as an ATM (automatic transaction apparatus) installed in a financial institution, and in particular, to identify a customer, such as iris data. The present invention relates to an automatic trading system that uses biometrics information.

[0002]

2. Description of the Related Art A card or passbook, such as a cash card in which the number of a deposit account is recorded, and a customer's own peculiarity in order to make a transaction with a customer using a terminal such as an ATM installed in a financial institution. An automatic transaction system has been proposed which utilizes such information as biometrics information such as iris data.

In the automatic transaction system using this card and biometrics information, an account number and iris data corresponding to the account number are registered in the registration section in advance. When a customer trades using ATM, the iris data of the customer is acquired by the biometrics information acquisition unit. Further, when the customer inserts the card into the ATM, the account number is read from this card, and the account number of the registration unit that matches the read account number is searched.

The iris data of the registration unit corresponding to the retrieved account number and the iris data of the customer acquired by the biometrics information acquisition unit are collated, and the customer is identified by the coincidence of both. Since the iris data in the registration section is registered corresponding to the account number, the customer can be identified quickly. After the customer is confirmed to be the identity of the customer by the customer's identification, the customer operates the ATM to automatically perform predetermined transactions such as deposit and withdrawal.

[0005]

However, in the above-mentioned automatic transaction system utilizing the card and biometrics information, as described above, the customer needs the card when he / she makes a transaction using the ATM. There was a problem that, for example, when the customer forgot to bring the card, the customer could not make a transaction.

In order to solve this problem, the iris data of the customer acquired by the biometrics information acquisition unit is sequentially compared with each biometrics information registered in the registration unit, so that the customer can be used without using a card. Can be identified.

However, when the customer is identified by collating the iris data acquired by the biometrics information acquisition unit with each biometrics information of the registration unit, the acquired iris data and all biometrics information of the registration unit are May need to be verified.

Since the amount of biometrics information is large and the number of customer's biometrics information registered in the registration unit is generally large, the acquired iris data is collated with each biometrics information in the registration unit. When identifying a customer, there is a problem that it takes time to identify the customer, which prevents the customer from making a quick transaction.

Therefore, an object of the present invention is to eliminate the need for a card or passbook for a customer to make a transaction using a terminal,
Moreover, it is to provide an automatic transaction system capable of quickly identifying a customer.

[0010]

The present invention adopts the following constitution in order to solve the above points. <Structure> The present invention is an automatic transaction system for automatically performing transactions based on transaction information input by a customer to a terminal unit, and includes a biometrics information acquisition unit for acquiring biometrics information from a customer, and a plurality of biometrics information acquisition units. The same symbol selected by the customer is used as a search element to correspond to the symbol, and the registered biometrics information and account number are registered for each customer, and the symbol is used for multiple customers who commonly use one account. When a symbol is entered in the registration unit in which a plurality of registered biometrics information and one account number of each customer are registered in correspondence with each other, and when a symbol is entered in the terminal unit, each registered biometric corresponding to the symbol is entered based on the entered symbol. The search unit for sequentially searching the metrics information from the registration unit and the biometrics information acquired by the biometrics information acquisition unit are registered in the registration units searched by the search unit. It is characterized by comprising a collating unit for collating with the recorded biometrics information.

<Operation> In the automatic transaction system according to the present invention, it is possible for a plurality of customers to
Te only registered as a search element identical symbols that are arbitrarily selected by <br/> O metrics information and account numbers are registered in the registering unit
Not just for multiple customers who share a single account
For multiple registered biometrics information and one account information
Is registered correspondingly.

[0012] The symbol is arbitrarily selected by the customer
Therefore , the customer can register an easy-to-remember number such as the customer's telephone number, date of birth, and zip code in the registration unit as the symbol.

When the customer makes a transaction using the terminal unit, the biometrics information acquisition unit acquires the biometrics information of the customer as in the conventional case. Also, when the customer inputs the symbol into the terminal unit, the symbol in the registration unit that matches the inputted symbol is searched.

The registered biometrics information of the registration unit corresponding to the retrieved symbol is collated with the biometrics information acquired by the biometrics information acquisition unit, and the customer is identified by the coincidence of both. .

[0015] a plurality of registered biometric information is registered is corresponding to each Symbol, biometrics information acquired by the biometrics information acquisition unit, a plurality of registration units corresponding to the symbol that is input to the terminal portion since it is only matched with the registered biometrics information, as compared to the acquired iris data is sequentially collated with all the biometrics information registration unit, without using a card
It can be carried out also quick identification of the customer.

Therefore, in the automatic transaction system according to the present invention, if the customer inputs the symbol into the terminal, the customer can be quickly identified without using a card or passbook.

By using at least one of a number and a character as the symbol, the customer can easily remember the symbol.

[0018]

By using the input keys for inputting the transaction information into the terminal unit, by inputting the symbol into the terminal unit,
Compared with the automatic transaction system that inputs the symbol by voice,
The confidentiality of the symbol can be improved.

[0020]

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to specific examples. << Specific Example >> FIG. 1 shows a data structure of biometrics information used for identifying a customer who uses the automatic transaction system according to the present invention. Before describing the data structure of biometrics information with reference to FIG. 1, the entire automatic transaction system according to the present invention will be described with reference to FIG.

FIG. 2 shows an automatic transaction system according to the present invention, which is installed in, for example, a bank store.
An example of application to an automatic transaction system 10 including a terminal unit 20) will be described.

In the automatic transaction system 10, for example, in order to perform a payment transaction, transaction information such as the account number of the payee and the payment amount is input to the terminal unit 20 by the customer operating the terminal unit 20. In order to identify the customer who is the operator of the terminal unit 20, conventionally well-known biometrics information such as iris data is used.

In the example shown in FIG. 2, the automatic transaction system 10 includes at least one terminal unit 20 for a customer to input transaction information, and a biometric unit provided in the terminal unit 20, which is information unique to the customer. A biometrics information acquisition unit 30 for acquiring the metrics information, and a server 50 for receiving the transaction information input to the terminal unit 20 and the biometrics information acquired by the biometrics information acquisition unit 30 via the communication line 40. Prepare The server 50 is installed in the head office of the bank in the illustrated example.

In the server 50, the biometrics information of all the customers of the bank store, which is obtained in advance, is made to correspond to the symbol including at least one of the number, the letter and the symbol given to each customer in advance. Registration unit 6 for registration
0, the search unit 70 for searching the biometrics information of the registration unit 60, the biometrics information acquired by the biometrics information acquisition unit 30, and the biometrics information of the registration unit 60 searched by the search unit 70 A collating unit 80 for collating is provided.

The registration unit 60 of the server 50 is shown in FIG.
In the example of the data structure shown in, multiple sets of symbols are
The biometrics information, which is arranged in the vertical direction and corresponds to at least one of each of the symbol groups, is collectively arranged in the horizontal direction and registered.

The symbols given to each customer and registered in the registration unit 60 in advance are arbitrarily selected in advance by each customer, for example. Further, since this symbol is allowed to be duplicated with the symbol given to other customers, it is possible to use an easily remembered number such as the customer's telephone number, date of birth and postal code, for example. In this specific example, in order to make it easier for the customer to remember the symbol by reducing the number of digits of the symbol, the last four digits of the telephone number are used as the symbol.

For example, the symbol b input to the terminal unit 20
The biometrics information corresponding to (n) and the symbol b (n) is registered in the registration unit 6 as indicated by the diagonal lines in FIG.
Registered to 0. Since other customers can select the symbol b (n) redundantly, in the example shown in FIG. 1 (b), a plurality of biometrics information (A, B and C) is registered in the registration unit 60. In addition, corresponding to each biometrics information,
The account number (K1, K) of the deposit account required to carry out the transaction
2 and K3) are registered.

When the customer selects a payment transaction from the transaction contents such as withdrawal, payment and balance inquiry using an input key (not shown) for inputting transaction information provided in the terminal unit 20, biometrics information acquisition Part 30
Operates to acquire the biometrics information a of the customer who operates the terminal unit 20. After selecting a transaction, the customer uses, for example, the symbol b by using the input key.
(N) is input to the terminal unit 20.

When the customer inputs the symbol b (n) into the terminal unit 20, as shown in FIG. 2, the biometrics information a acquired by the biometrics information acquisition unit 30 and the symbol b input into the terminal unit 20. The transmission data c including (n) is transmitted to the server 50 via the communication line 40.

When the transmission data c is transmitted to the server 50, the reading unit (not shown) of the server 50 reads the biometrics information a and the symbol b (n) from the transmission data c, and the read symbol b ( n)
Is input to the search unit 70 as search information, and the biometrics information a is used as the check information after the search, and the check unit 8
Input to 0.

The symbol b (n), which is the retrieval information, is retrieved by the retrieval unit 70.
1 is input, the search unit 70 searches the registration unit 60 for the symbol b (n) based on the search information, and
The biometrics information A, B, and C corresponding to the symbol b (n) shown in is read from the registration unit 60 as the biometrics information d. The read biometrics information d is input to the matching unit 80. Collating unit 80
Compares the biometrics information a input as the matching information after the search with the biometrics information d input from the search unit 70, that is, the biometrics information A, B and C, respectively.

As a result of this collation, the biometrics information a acquired by the biometrics information acquisition unit 30,
When the biometrics information C of the registration unit 60 matches, for example, the customer who uses the terminal unit 20 is recognized as the principal. As a result, the account number traded by the customer using the terminal unit 20 is determined to be the account number K3 corresponding to the biometrics information C of the registration unit 60.

Based on the determined account number, as is well known in the art, personal information necessary for the transaction such as the customer's name, address and balance using the terminal unit 20 is, for example, the data of the registration unit 60. It is read from a location different from the structure. The collation unit 80 transmits the reply data e including the determined account number and the personal information to the terminal unit 20 via the communication line 40. When the terminal unit 20 receives the reply data e from the collating unit 80 of the server 50, the terminal unit 20 performs the payment transaction selected by the customer who uses the terminal unit 20.
Performs well-known processing and ends the transaction.

On the other hand, as a result of the collation, if the biometrics information of the registration unit 60 that matches the biometrics information a acquired by the biometrics information acquisition unit 30 is not retrieved, the customer who uses the terminal unit 20 is Recognizing that the person is not present, the collating unit 80 transmits the reply data f indicating that the person cannot be confirmed to the terminal unit 20. The terminal unit 20 sends the reply data f from the collating unit 80 of the server 50.
When the message is received, as is well known in the related art, it is displayed that the transaction cannot be performed because the person cannot be confirmed, and the operation is terminated without performing the transaction.

In the automatic transaction system 10, the biometrics information of the registration unit 60 is registered in correspondence with each of a plurality of sets of symbols that are allowed to overlap, and the biometrics information a acquired by the biometrics information acquisition unit 30 is: The registration unit 6 corresponding to the symbol b (n) input to the terminal unit 20
Only 0 biometrics information A, B and C are matched.

From this, as compared with the case where the biometrics information a acquired by the biometrics information acquisition unit 30 is sequentially collated with all the biometrics information registered in the registration unit 60, it is information unique to the customer. The biometrics information of the registration unit 60 that matches a certain biometrics information a is searched quickly without using a card and a passbook, so that the customer who uses the terminal unit 20 can:
Quickly identified.

In the above example, each account number registered in the registration unit 60 is registered in the registration unit 60 in association with only one piece of biometrics information. However, for example, the same deposit account should be shared within the family. In consideration of the above, each account number of the registration unit 60 can be registered in association with a plurality of biometrics information, as shown in FIG.

Further, in the above-mentioned example, in order to improve the confidentiality of the symbol, the example in which the symbol is input to the terminal unit 20 by using the input key has been described. However, instead of this example, the symbol is, for example, a voice. It can be input to the terminal unit 20.

If the customer can arbitrarily select the account number of the deposit account, the account number can be used as the symbol. However, since the account number is relatively hard to remember, it is desirable that the symbol be different from the account number.

In the above-mentioned example, the registration unit 60 is provided in each server 50 of each bank, but instead of this example, as shown in FIG.
The registration unit 60 can be provided only in the common center 90 connected to the communication center 100, 52). Accordingly, the registration unit 60 can be shared among a plurality of banks, so that the burden on each bank for registering the biometrics information and the symbol of the customer in the registration unit 60 can be reduced.

In the above-mentioned example, the iris data is used as the biometrics information, but instead of this, information such as fingerprints, voiceprints and physical characteristics can be used as the biometrics information.

[0043]

In the automatic transaction system according to the present invention, as described above, to correspond to overlap with other symbols per Patent to Symbol a selected symbol Optionally the plurality of biometrics information Is registered in the registration unit in advance, and the biometrics information acquisition unit acquires biometrics information.
Also, when a symbol is input to the terminal unit, a symbol in the registration unit that matches the symbol input to the terminal unit is searched.

Since the biometrics information acquired by the biometrics information acquisition unit is collated with only the biometrics information of the registration unit corresponding to the retrieved symbol, it matches the biometrics information acquired by the biometrics information. The biometrics information of the registered department is quickly retrieved from the registered department without using a card, which allows the customer to be quickly identified.

Therefore, according to the present invention, if the customer inputs the symbol into the terminal, the customer can be quickly identified without using a card or a passbook.

[Brief description of drawings]

FIG. 1 is a data structure of biometrics information registered in a registration unit according to the present invention.

FIG. 2 is a block diagram showing a configuration of an automatic transaction system.

FIG. 3 is a block diagram showing a modified example of the automatic transaction system.

[Explanation of symbols]

10 Automatic trading system 20 Terminal 30 Biometrics Information Acquisition Department 60 Registration Department 70 Search Department 80 Collating unit

─────────────────────────────────────────────────── --- Continuation of the front page (56) References JP-A-8-335256 (JP, A) JP-A-8-123960 (JP, A) JP-A-62-233147 (JP, A) JP-A 61- 256497 (JP, A) JP 8-137800 (JP, A) JP 6-243157 (JP, A) JP 9-160879 (JP, A) JP 63-124168 (JP, A) (58) Fields surveyed (Int.Cl. ⁷ , DB name) G06T 7/00 G06F 15/00 G06F 17/60 G07D 9/00

Claims (3)

(57) [Claims] 1. An automatic transaction system for automatically performing transaction based on transaction information input by a customer to a terminal unit, comprising : a biometrics information acquisition unit for acquiring biometrics information from the customer ; The same symbol selected by the customer is used as a search element
Registered biometrics information for each customer according to
Account number is registered, and one account can be used in common.
Corresponding to the above symbol for multiple customers
Register multiple biometrics information and one account number
When the symbol is input to the registered registration unit and the terminal unit, based on the input symbol, a search unit for sequentially searching each registered biometrics information corresponding to the symbol from the registration unit. The biometrics information acquired by the biometrics information acquisition unit, the biometrics information acquired by the search unit
An automatic transaction system comprising a collating unit for collating each registered biometrics information. 2. The at least one of numbers and letters is used as the symbol.
The automated trading system described. 3. The automatic system according to claim 1, wherein the terminal unit includes an input key for inputting transaction information, and the symbol is input to the terminal unit by using the input key. Trading system.