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JP5135782B2 - Automatic transaction equipment - Google Patents
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JP5135782B2 - Automatic transaction equipment - Google Patents

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JP5135782B2
JP5135782B2 JP2006329403A JP2006329403A JP5135782B2 JP 5135782 B2 JP5135782 B2 JP 5135782B2 JP 2006329403 A JP2006329403 A JP 2006329403A JP 2006329403 A JP2006329403 A JP 2006329403A JP 5135782 B2 JP5135782 B2 JP 5135782B2
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biometric information
withdrawal
customer
host device
information
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JP2008146145A (en
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裕之 川瀬
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Oki Electric Industry Co Ltd
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Oki Electric Industry Co Ltd
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Priority to KR1020070104445A priority patent/KR20090003101A/en
Priority to CN2007101633656A priority patent/CN101197058B/en
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/14—Vascular patterns

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Human Computer Interaction (AREA)
  • Multimedia (AREA)
  • Development Economics (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Description

本発明は、生体情報によって取引を行う顧客を確認する自動取引装置に関する。   The present invention relates to an automatic transaction apparatus for confirming a customer who makes a transaction based on biometric information.

従来の自動取引装置は、生体情報としての指紋あるいは、指や手のひらの静脈や虹彩等の生体情報の確認で顧客認証を行う場合、例えば指紋情報を用いるのであれば、予め顧客に発行されたＩＣカードから顧客の指紋情報を読み出すと共に、顧客が指紋スキャナに置いた指から指紋情報を取得して、読み出した指紋情報と取得した指紋情報との照合結果から両指紋情報の一致を確認することで生体情報による顧客認証を行っている（例えば、特許文献１参照）。
なお、一般的に上述した自動取引装置を利用する顧客が指紋等の生体情報の登録を行っておらず、ＩＣカードを持っていない場合は、磁気カードを用いて暗証番号による顧客確認が行えるようになっている。
特開２００１‐６７５２３号広報（段落「００１１」、第５図） The conventional automatic transaction apparatus, when performing customer authentication by confirming fingerprints as biometric information or biometric information such as a finger or palm vein or iris, for example, if fingerprint information is used, an IC issued to a customer in advance By reading the customer's fingerprint information from the card, acquiring the fingerprint information from the finger placed by the customer on the fingerprint scanner, and confirming the match between both fingerprint information from the collation result of the read fingerprint information and the acquired fingerprint information Customer authentication is performed using biometric information (see, for example, Patent Document 1).
In general, if a customer using the above-described automatic transaction apparatus does not register biometric information such as a fingerprint and does not have an IC card, the customer can be confirmed by a personal identification number using a magnetic card. It has become.
Japanese Laid-Open Patent Publication No. 2001-67523 (paragraph “0011”, FIG. 5)

しかしながら、上述した従来の技術においては、生体情報を用いた顧客認証を行うためにはＩＣカードを発行しなくてはならないため、顧客はＩＣカードの発行に必要な手続を行わなくてはならないことからそれが煩わしい等で一般に普及し辛いということがある。
そこでＩＣカードを必要とせずに生体情報を使って顧客認証を行うようにした自動取引装置も考えられるが、その自動取引装置を用いる場合は顧客の登録生体情報をセンタに設置された上位装置に記憶しておき、生体情報スキャナで取得した生体情報を上位装置に送信することで、上位装置から生体情報の照合結果を受信しているため、上位装置に生体情報を照合するための機能を持たせる必要があるため、上位装置が生体情報を照合することで他の処理が遅くなって結果として自動取引装置と上位装置間の通信処理に時間がかかって取引が遅延してしまうという問題がある。 However, in the above-described conventional technology, in order to perform customer authentication using biometric information, an IC card must be issued, and thus the customer must perform a procedure necessary for issuing the IC card. Therefore, it is difficult to spread in general because it is bothersome.
Therefore, an automatic transaction apparatus that performs customer authentication using biometric information without the need for an IC card is also conceivable. However, when the automatic transaction apparatus is used, the registered biometric information of the customer is stored in a host device installed in the center. Since the biometric information collation result is received from the host device by transmitting the biometric information stored by the biometric information scanner to the host device, the host device has a function for collating the biometric information. As a result, it is necessary for the host device to collate biometric information, which slows down other processing, and as a result, the communication processing between the automatic transaction device and the host device takes time and the transaction is delayed. .

本発明は、上記の問題点を解決するための手段を提供することを目的とする。   An object of the present invention is to provide means for solving the above problems.

そのため本発明の自動取引装置は、顧客の生体情報を取得する生体情報取得部と、顧客の取引カードの情報を読取るカードリーダ部と、顧客が暗証番号や取引情報を入力する入力部とを備え、 前記入力部で入力された暗証番号と出金金額を上位装置に送信し、前記上位装置が前記暗証番号により本人確認を行い、受信した出金金額と読み出した顧客の口座残高とを比較して口座残高の方が多いことを確認し、出金取引が可能と判断して顧客の口座残高から出金金額を差し引いて口座残高を更新してから、出金指示通知を送る際、予め登録されている前記顧客の生体情報を出金指示通知に付加した後に前記上位装置から送られてくる出金指示通知を受信し、前記生体情報取得部で顧客の生体情報を取得すると共に、その生体情報と前記上位装置から受信した生体情報とを比較して、両生体情報が一致したときに現金を出金することを特徴とする。
Therefore, the automatic transaction apparatus according to the present invention includes a biometric information acquisition unit that acquires biometric information of a customer, a card reader unit that reads information on the customer's transaction card, and an input unit that allows the customer to input a personal identification number and transaction information. The password entered in the input unit and the withdrawal amount are transmitted to the host device, the host device performs identity verification based on the password , and compares the received withdrawal amount with the read customer account balance. Confirm that there are more account balances, determine that withdrawal transactions are possible , subtract the withdrawal amount from the customer's account balance, update the account balance, and register in advance when sending a withdrawal instruction notification Receiving the withdrawal instruction notification sent from the host device after adding the biometric information of the customer to the withdrawal instruction notification, acquiring the biological information of the customer in the biological information acquisition unit, Information and host device Compared with the biometric information received from, cash is withdrawn when the biometric information matches.

これにより、本発明は、ＩＣカードを利用することなく生体情報を用いた顧客確認を行うことができ、かつ自動取引装置で生体情報の比較を行うことで上位装置が生体情報の一致を確認することによる負担を無くすことができるという効果が得られる。   As a result, the present invention can perform customer confirmation using biometric information without using an IC card, and the host device confirms the match of the biometric information by comparing the biometric information with the automatic transaction apparatus. The effect that the burden by this can be eliminated is acquired.

以下に、図面を参照して本発明による自動取引装置の実施例について説明する。   Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

図１は実施例１の自動取引装置を示すブロック図である。
図１において、１は自動取引装置である。
２は制御部であり、記憶部３に格納されている制御プログラムに従って自動取引装置１の各部を制御して各種の取引を遂行する機能を有する他、通信部４によって通信回線１５を介してホストコンピュータ１０と通信可能に接続する。 FIG. 1 is a block diagram illustrating an automatic transaction apparatus according to the first embodiment.
In FIG. 1, 1 is an automatic transaction apparatus.
Reference numeral 2 denotes a control unit, which has a function of performing various transactions by controlling each unit of the automatic transaction apparatus 1 according to a control program stored in the storage unit 3, and a host via the communication line 15 by the communication unit 4. The computer 10 is communicably connected.

記憶部３は、制御部２が実行する制御プログラムを格納する他、制御部２による処理結果等を記憶する機能を有する。
５は表示操作部であり、自動取引装置１正面の接客面に露出させて設けられており、表示面を上に向けたＣＲＴディスプレイまたは液晶ディスプレイ等の表示部と、表示部上に配置したタッチパネル等の入力部により構成され、各種取引における顧客の操作を誘導するメッセージを配した画面やそのための入力キーを表示し、その入力キーをタッチパネル上から指で押下することにより、入力キーに定義された情報を入力できるものとなっており、入力された情報の表示等も行うようになっている。 The storage unit 3 has a function of storing a control program executed by the control unit 2 and storing a processing result by the control unit 2.
Reference numeral 5 denotes a display operation unit, which is provided so as to be exposed on the customer service surface in front of the automatic transaction apparatus 1, a display unit such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel disposed on the display unit It is defined as an input key by displaying a screen with messages for guiding customer operations in various transactions and input keys for that, and pressing the input key with a finger from the touch panel. Information can be input, and the input information is displayed.

６は生体情報取得部であり、顧客が認証を行う指をかざすことで、その指から指静脈情報（生体情報）を取得する機能を有しており、前記接客面に設けられている。
７は現金入出金部であり、取引に伴う現金の入出金処理を行うもので、紙幣を取扱う紙幣入出金機と硬貨を取扱う硬貨入出金機とから構成され、その紙幣入出金口７ａと硬貨入出金口７ｂは前記接客面に設けられている。 A biometric information acquisition unit 6 has a function of acquiring finger vein information (biometric information) from a finger when the customer holds the finger to perform authentication, and is provided on the customer service surface.
Reference numeral 7 denotes a cash deposit / withdrawal unit, which performs cash deposit / withdrawal processing associated with transactions, and is composed of a banknote deposit / withdrawal machine that handles banknotes and a coin deposit / withdrawal machine that handles coins. The deposit / withdrawal port 7b is provided on the customer service surface.

紙幣入出金口７ａと硬貨入出金口７ｂは、紙幣あるいは硬貨を集積するように構成されている他、シャッタが設けられてそのシャッタを開くことによって顧客からの現金を受け入れる他、顧客に現金を払い出すようになっている。
８はカードリーダライタ部であり、顧客の磁気カード（取引カード）の磁気ストライプに記録されているカード情報の読取および書込みを行う機能を有し、そのカード挿入返却口は前記接客面に設けられている。 The banknote deposit / withdrawal port 7a and the coin deposit / withdrawal port 7b are configured to collect banknotes or coins, and are provided with a shutter to accept cash from the customer by opening the shutter, and cash to the customer It comes to pay out.
A card reader / writer unit 8 has a function of reading and writing card information recorded on a magnetic stripe of a customer's magnetic card (transaction card), and its card insertion return port is provided on the customer service surface. ing.

１０はホストコンピュータ（上位装置）であり、金融機関のセンタに設置されており、口座を開設している各顧客の氏名、口座番号、暗証番号、未記帳データ、口座残高、顧客が口座開設時等で登録した登録指静脈情報（登録生体情報）等を顧客口座情報として記憶したデータベース１１を有している。
上述した構成の作用について、図２に示す実施例１の自動取引装置の動作を示すフローチャートを用い、Ｓで示すステップに従って説明する。 Reference numeral 10 denotes a host computer (host device), which is installed at the center of a financial institution. The name, account number, password, unrecorded data, account balance, and customer balance of each customer who has opened an account It has a database 11 that stores registered finger vein information (registered biometric information) and the like registered as customer account information.
The effect | action of the structure mentioned above is demonstrated according to the step shown by S using the flowchart which shows the operation | movement of the automatic transaction apparatus of Example 1 shown in FIG.

Ｓ１、自動取引装置１の制御部２は、表示操作部５に出金取引等の各種取引の取引選択ボタンを配した取引選択画面を表示して待機する。
Ｓ２、店舗に来店した顧客が取引選択画面で出金取引の取引選択ボタンを押下すると、制御部２はその押下を認識して、表示操作部５に磁気カードの挿入を促す文言やイラスト等を配した画面を表示する。 S1, the control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen in which transaction selection buttons for various transactions such as a withdrawal transaction are arranged on the display operation unit 5 and stands by.
S2, when a customer who has visited the store presses a transaction selection button for a withdrawal transaction on the transaction selection screen, the control unit 2 recognizes the press and displays a word or an illustration that prompts the display operation unit 5 to insert a magnetic card. Display the arranged screen.

顧客は、表示されている画面に従って磁気カードをカードリーダライタ部８のカード挿入返却口に挿入する。
Ｓ３、カードリーダライタ部８が挿入された磁気カードから顧客の口座番号を読取ると、制御部２は表示操作部５に暗証番号の入力を促す文言と暗証番号入力のためのテンキー等を配した暗証番号入力画面を表示する。 The customer inserts the magnetic card into the card insertion / return slot of the card reader / writer unit 8 in accordance with the displayed screen.
S3, when the account number of the customer is read from the magnetic card in which the card reader / writer unit 8 is inserted, the control unit 2 arranges the display operation unit 5 with a word prompting the input of the code number, a numeric keypad for inputting the code number, and the like. Display the password input screen.

このとき制御部２は、記憶部３に読取った口座番号を記憶しておく。
顧客は、暗証番号入力画面に従って暗証番号を入力する。
Ｓ４、制御部２は、顧客によって入力された暗証番号を記憶部３に記憶し、表示操作部５に出金金額（取引情報）の入力を促す文言やテンキー等を配した出金金額入力画面を表示する。 At this time, the control unit 2 stores the read account number in the storage unit 3.
The customer inputs the password according to the password input screen.
S4, the control unit 2 stores the password entered by the customer in the storage unit 3, and the withdrawal amount input screen in which the display operation unit 5 is provided with a wording, a numeric keypad, etc. to prompt the input of the withdrawal amount (transaction information) Is displayed.

Ｓ５、顧客が出金金額入力画面に従って出金金額を入力すると、制御部２はその出金金額を記憶部３に記憶し、記憶部３から口座番号と暗証番号、出金金額を読み出し、その口座番号と暗証番号、出金金額を付加した出金取引確認依頼を通信部４によって通信回線１５を介してホストコンピュータ１０に送信する。
Ｓ６、ホストコンピュータ１０は、受信した出金取引確認依頼の口座番号をもとにデータベース１１に記憶している顧客口座情報を検索し、該当する顧客口座情報から登録暗証番号と口座残高とを読み出して、受信した暗証番号と読み出した登録暗証番号とを比較して一致を確認し、受信した出金金額と読み出した口座残高とを比較して口座残高の方が多いことを確認し、顧客の口座残高から出金金額を差し引いて口座残高を更新する。 S5, when the customer inputs the withdrawal amount according to the withdrawal amount input screen, the control unit 2 stores the withdrawal amount in the storage unit 3, reads the account number, the personal identification number, and the withdrawal amount from the storage unit 3, A withdrawal transaction confirmation request to which the account number, password, and withdrawal amount are added is transmitted to the host computer 10 via the communication line 15 by the communication unit 4.
S6, the host computer 10 searches the customer account information stored in the database 11 based on the account number of the received withdrawal transaction confirmation request, and reads the registered personal identification number and the account balance from the corresponding customer account information. Compare the received password with the registered password that was read to confirm the match, compare the received withdrawal amount with the read account balance, and confirm that the account balance is greater. Update the account balance by subtracting the withdrawal amount from the account balance.

すなわち、この時点で従来の暗証番号を用いた本人認証を行う出金取引処理と同様に、取引自体は成立している。
Ｓ７、ホストコンピュータ１０は、上記ステップＳ６で検索した顧客口座情報の登録指静脈情報を読み出し、出金取引を許可する旨の出金指示通知に読み出した登録指静脈情報を付加する。そして当該出金指示通知を通信回線１５を介して自動取引装置１に送信する。 In other words, at this time, the transaction itself is established in the same manner as the withdrawal transaction process for performing the personal authentication using the conventional password.
S7, the host computer 10 reads the registered finger vein information of the customer account information retrieved in step S6, and adds the read registered finger vein information to the withdrawal instruction notification to permit the withdrawal transaction. Then, the withdrawal instruction notification is transmitted to the automatic transaction apparatus 1 via the communication line 15.

このとき、自動取引装置１に送信される出金指示通知の形式は、従来の出金を指示する電文の形式に当該顧客の登録指静脈情報を追加したような形式とすれば、ホストコンピュータ１０や自動取引装置１における電文処理を簡単に追加することができる。
ここで、図３は指静脈取得誘導画面を示す表示例である。
Ｓ８、制御部２は、ホストコンピュータ１０から受信した出金指示通知の登録指紋情報を記憶部３に記憶しておき、カードリーダライタ部８のカード挿入返却口から顧客の磁気カードを返却し、表示操作部５に図３に示すように「認証する指を生体情報取得部にかざして下さい。」等の生体情報取得部６に顧客の指を近づけるように促す文言を配した指静脈取得誘導画面を表示する。 At this time, if the format of the withdrawal instruction notification transmitted to the automatic transaction apparatus 1 is a format in which the customer's registered finger vein information is added to the conventional message format instructing withdrawal, the host computer 10 And the message processing in the automatic transaction apparatus 1 can be easily added.
Here, FIG. 3 is a display example showing a finger vein acquisition guidance screen.
S8, the control unit 2 stores the registered fingerprint information of the withdrawal instruction notification received from the host computer 10 in the storage unit 3, returns the customer's magnetic card from the card insertion return port of the card reader / writer unit 8, As shown in FIG. 3, the finger vein acquisition guidance is arranged on the display operation unit 5 with a word prompting the customer's finger to be brought closer to the biometric information acquisition unit 6 such as “Hold the finger to be authenticated over the biometric information acquisition unit”. Display the screen.

また、制御部２は記憶部３に記憶している出金金額を読み出して、現金入出金部７によって読み出した出金金額分の現金を紙幣入出金口７ａ、硬貨入出金口７ｂに搬送して集積しておく。ここで紙幣入出金口７ａ、硬貨入出金口７ｂに設けたシャッタは閉じたままにする。
顧客は、表示された画面に従って生体情報取得部６に認証する指をかざす。 Further, the control unit 2 reads the withdrawal amount stored in the storage unit 3, and conveys the cash for the withdrawal amount read by the cash deposit / withdrawal unit 7 to the banknote deposit / withdrawal port 7a and the coin deposit / withdrawal port 7b. And accumulate. Here, the shutters provided at the banknote deposit / withdrawal port 7a and the coin deposit / withdrawal port 7b are kept closed.
The customer holds his / her finger to authenticate the biometric information acquisition unit 6 in accordance with the displayed screen.

Ｓ９、生体情報取得部６が顧客の指から指静脈情報を取得すると、制御部２は記憶部３に記憶した登録指静脈情報を読み出し、登録指静脈情報と取得した指静脈情報とを比較して両指静脈情報が一致しているか否かを判断し、一致している場合は次のステップＳ１０に進み、一致していない場合はステップＳ１１に移行する。
Ｓ１０、指静脈情報が登録指静脈情報と一致している場合、制御部２は紙幣入出金口７ａ、硬貨入出金口７ｂのシャッタを開放することによって既に搬送していた現金を顧客に払い出して出金取引処理を終了する。 S9, when the biometric information acquisition unit 6 acquires finger vein information from the customer's finger, the control unit 2 reads the registered finger vein information stored in the storage unit 3, and compares the registered finger vein information with the acquired finger vein information. Then, it is determined whether or not the finger vein information matches. If they match, the process proceeds to the next step S10, and if they do not match, the process proceeds to step S11 .
S10, when the finger vein information matches the registered finger vein information, the control unit 2 pays out the cash that has already been conveyed to the customer by opening the shutters of the banknote deposit / withdrawal port 7a and the coin deposit / withdrawal port 7b. End the withdrawal transaction process.

Ｓ１１、上記ステップＳ９で指静脈情報が登録指静脈情報と一致していない場合、制御部２は記憶部３に記憶している口座番号と出金金額とを読み出し、その口座番号と出金金額とを付加した残高訂正依頼を通信部４によって通信回線１５を介してホストコンピュータ１０に送信すると共に、表示操作部５に指静脈情報の不一致のため出金取引を中心する旨の画面を表示し、紙幣入出金口７ａ、硬貨入出金口７ｂまで搬送していた現金を現金入出金部７によって紙幣入出金機および硬貨入出金機に戻して、顧客との出金取引を中止する。   S11, if the finger vein information does not match the registered finger vein information in step S9, the control unit 2 reads the account number and withdrawal amount stored in the storage unit 3, and the account number and withdrawal amount Is sent to the host computer 10 via the communication line 15 by the communication unit 4 and a screen to the effect that the withdrawal transaction is centered is displayed on the display operation unit 5 due to the mismatch of finger vein information. Then, the cash transported to the banknote deposit / withdrawal port 7a and the coin deposit / withdrawal port 7b is returned to the banknote deposit / withdrawal machine and the coin deposit / withdrawal machine by the cash deposit / withdrawal unit 7, and the withdrawal transaction with the customer is stopped.

ここで残高訂正依頼を送信するのはステップＳ７でホストコンピュータ１０から出金指示通知を受信した時点で、口座残高は出金後の金額に更新されているからである。
なお、出金前の残高は現在の残高と出金金額、手数料等を出金指示通知や残高訂正依頼と共に受信して、それらを加算して求めているが、出金指示通知に出金前の残高を付加しておき、自動取引装置１の記憶部３に記憶しておくようにし、出金取引を中止するときにその記憶しておいた出金前の残高をホストコンピュータ１０に送信してもよい。 Here, the balance correction request is transmitted because the account balance is updated to the amount after the withdrawal when the withdrawal instruction notification is received from the host computer 10 in step S7.
The balance before withdrawal is obtained by receiving the current balance, withdrawal amount, fee, etc. together with the withdrawal instruction notice and balance correction request, and adding them together. Is stored in the storage unit 3 of the automatic transaction apparatus 1, and when the withdrawal transaction is stopped, the stored balance before withdrawal is transmitted to the host computer 10. May be.

Ｓ１２、ホストコンピュータ１０は、自動取引装置１から受信した残高訂正依頼の口座番号をもとにデータベース１１を検索し、該当する顧客口座情報の口座残高を読み出して、その口座残高に受信した出金金額を加えることで、口座残高を上記ステップＳ６で行った残高更新前の状態に戻して出金取引処理を終了する。
以上説明したように、本実施例では、顧客によって入力された暗証番号と顧客の磁気カードから読み出した口座番号とをホストコンピュータに送信し、暗証番号が登録暗証番号と一致していることを確認したホストコンピュータから登録指静脈情報を受信して、顧客の指から取得した指静脈情報と登録指静脈情報とを比較するので、ホストコンピュータに指静脈情報の一致を確認する機能を持たせることによる負担を無くすことが出来る。 S12, the host computer 10 searches the database 11 based on the account number of the balance correction request received from the automatic transaction apparatus 1, reads the account balance of the corresponding customer account information, and receives the withdrawal received in the account balance By adding the amount, the account balance is returned to the state before the balance update performed in step S6, and the withdrawal transaction process is terminated.
As described above, in this embodiment, the password entered by the customer and the account number read from the customer's magnetic card are transmitted to the host computer, and the password is confirmed to match the registered password. By receiving registered finger vein information from the host computer and comparing the finger vein information obtained from the customer's finger with the registered finger vein information, the host computer is provided with a function for confirming the match of the finger vein information. The burden can be eliminated.

また、顧客の登録指静脈情報をホストコンピュータのデータベースに記憶したことによって、ＩＣカードを用いることなく指静脈情報を用いた顧客認証を行うことができる。
なお、上述した実施例１においては、生体情報としての指静脈情報を用いて顧客認証を行うものとして説明したが、指静脈情報の代わりに指紋情報や手のひら静脈を用いるようにしてもよく、また顧客の眼から取得した生体情報としての虹彩情報を用いて顧客認証を行うようにしてもよい。虹彩情報を用いる場合は自動取引装置に顧客の眼から虹彩情報を取得する虹彩情報取得部を設け、ホストコンピュータのデータベースに顧客の登録虹彩情報を記憶しておくようにする。 Further, by storing the registered finger vein information of the customer in the database of the host computer, customer authentication using the finger vein information can be performed without using an IC card.
In the first embodiment described above, the customer authentication is performed using finger vein information as biometric information. However, fingerprint information or palm vein may be used instead of finger vein information. Customer authentication may be performed using iris information as biometric information acquired from the customer's eyes. When using the iris information, the automatic transaction apparatus is provided with an iris information acquisition unit for acquiring iris information from the customer's eyes, and the customer's registered iris information is stored in the database of the host computer.

実施例１の自動取引装置を示すブロック図The block diagram which shows the automatic transaction apparatus of Example 1 実施例１の自動取引装置の動作を示すフローチャートThe flowchart which shows operation | movement of the automatic transaction apparatus of Example 1. 指静脈取得誘導画面を示す表示例Display example showing finger vein acquisition guidance screen

符号の説明Explanation of symbols

１ 自動取引装置
２ 制御部
３ 記憶部
４ 通信部
５ 表示操作部
６ 生体情報取得部
７ 現金入出金部
７ａ 紙幣入出金口
７ｂ 硬貨入出金口
８ カードリーダライタ部
１０ ホストコンピュータ
１５ 通信回線 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Control part 3 Memory | storage part 4 Communication part 5 Display operation part 6 Biometric information acquisition part 7 Cash deposit / withdrawal part 7a Banknote deposit / withdrawal port 7b Coin deposit / withdrawal slot 8 Card reader / writer part 10 Host computer 15 Communication line

Claims (3)

顧客の生体情報を取得する生体情報取得部と、顧客の取引カードの情報を読取るカードリーダ部と、顧客が暗証番号や取引情報を入力する入力部とを備え、
前記入力部で入力された暗証番号と出金金額を上位装置に送信し、前記上位装置が前記暗証番号により本人確認を行い、受信した出金金額と読み出した顧客の口座残高とを比較して口座残高の方が多いことを確認し、出金取引が可能と判断して顧客の口座残高から出金金額を差し引いて口座残高を更新してから、出金指示通知を送る際、予め登録されている前記顧客の生体情報を出金指示通知に付加した後に前記上位装置から送られてくる出金指示通知を受信し、
前記生体情報取得部で顧客の生体情報を取得すると共に、その生体情報と前記上位装置から受信した生体情報とを比較して、両生体情報が一致したときに現金を出金することを特徴とする自動取引装置。 A biometric information acquisition unit for acquiring the biometric information of the customer, a card reader unit for reading the information of the customer's transaction card, and an input unit for the customer to input a personal identification number and transaction information,
Sending the PIN number and withdrawal amount entered in the input unit to the host device, the host device confirms the identity with the PIN number , and compares the received withdrawal amount with the read customer account balance It is registered in advance when sending a withdrawal instruction notification after confirming that there are more account balances, judging that withdrawal transactions are possible , subtracting the withdrawal amount from the customer's account balance and updating the account balance. Receiving the withdrawal instruction notification sent from the host device after adding the customer's biometric information to the withdrawal instruction notification ,
The biometric information acquisition unit acquires the biometric information of the customer, compares the biometric information with the biometric information received from the host device, and withdraws cash when the biometric information matches. Automatic transaction device. 請求項１に記載の自動取引装置において、
シャッタを設けた現金の出金口を有し、
前記生体情報取得部で取得した顧客の生体情報が前記上位装置から受信した生体情報と一致しているか否かを判断する前に、前記出金取引の情報に基づく金額の現金を前記出金口に搬送して集積し、
前記上位装置から受信した生体情報と前記取得した生体情報とが一致したときに、前記シャッタを開いて現金を出金することを特徴とする自動取引装置。 The automatic transaction apparatus according to claim 1,
Has a cash outlet with a shutter,
Before determining whether or not the biometric information of the customer acquired by the biometric information acquisition unit matches the biometric information received from the host device, the cash of the amount based on the information of the withdrawal transaction is used as the withdrawal port. Transported to and accumulated,
An automatic transaction apparatus, wherein when the biometric information received from the host device matches the acquired biometric information, the shutter is opened to withdraw cash. 請求項１または請求項２に記載の自動取引装置において、
前記上位装置から受信した生体情報と前記取得した生体情報とが一致していないときに、出金取引を中止すると共に出金取引前の口座残高に戻す旨の通知を前記上位装置に送信することを特徴とする自動取引装置。 In the automatic transaction apparatus according to claim 1 or claim 2,
When the biometric information received from the host device and the acquired biometric information do not match, the withdrawal transaction is stopped and a notification to the effect that the account balance before the withdrawal transaction is returned is sent to the host device. An automatic transaction apparatus characterized by
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