JP6072736B2 - Personal authentication system and transaction method in window transaction of financial institution - Google Patents

Description

  The present invention relates to a personal authentication system and a transaction method thereof in a window transaction of a financial institution.

  Transactions with financial institutions are indispensable for conducting social activities and conducting economic activities, and are widely used for economic activities such as depositing, borrowing, saving, and settlement of various charges, regardless of individuals, corporations or organizations. Has been. Financial institutions are truly partners in social life and economic activities.

  The basic form of transaction between a financial institution and a customer is a counter transaction that is directly conducted between the counter staff of the financial institution and the customer at the counter of the financial institution. In this window transaction, the customer needs to enter the transaction contents in a slip or verbally and at the same time, the financial institution needs to perform “identity authentication” to confirm the identity of the person performing the transaction. This “authentication” means that the bank staff at the financial institution visually checks whether the seal of the registered seal that was delivered in advance matches the seal of the seal that the customer submits, along with the submission of a bank passbook or certificate of deposit.・ It is based on judgment.

  Based on FIG. 12, the outline | summary of the personal authentication in the conventional window transaction is demonstrated as an example of a payment case. In step 101, the customer describes necessary items such as the account number, name holder, and withdrawal amount on the slip provided to the financial institution, and stamps a registered seal that has been delivered in advance to the financial institution. Hand it along with a bankbook. In step 103, the window staff receives a slip that has been described as a bank passbook, and in step 104, whether the account number, the name of the holder, etc. described in the slip match the description in the bank passbook submitted by the customer. Check whether or not the seal imprinted on the slip and the registered seal are visually checked. If these verifications / determinations match, the transaction is authenticated as shown in step 105. On the other hand, if there is a mismatch between the seal and the seal, the person is not authenticated and the transaction is not established in step 106.

  After completing the personal authentication in step 105, the window staff instructs the account system to execute the transaction in step 107. In response to this transaction execution instruction, the accounting system performs a withdrawal process in step 108 for transaction execution. Upon receipt of this withdrawal process, the accounting system determines whether or not the conditions for executing the transaction such as confirmation of the balance and whether or not the transaction is stopped are satisfied in step 109, and if it is satisfied, the account is updated in step 110. . Upon receipt of this account update, the counter staff prints out the transaction contents and fills in the bankbook as shown in step 112, and performs cash withdrawal and bankbook return to the customer as shown in step 113. The customer receives the bank book and cash, and the transaction is completed. In step 109, if the condition for executing the transaction is not satisfied, the personal authentication is performed, but the transaction is not established as shown in step 111.

  Conventionally, as a means to facilitate verification / confirmation of imprints by the counter staff, the stamp imprinted on the slip filled in by the customer is acquired as an image, and the imprint data of the customer retrieved from the registered imprint server is verified at the counter. A means for confirming is also provided (Patent Document 1).

  On the other hand, with the rapid spread of IT infrastructure such as the Internet and changes in the social life environment, the beginning of the appearance of cash cards and automatic teller machines, and the form of transactions with financial institutions with the times, such as recent Internet banking, etc. It has changed greatly. For this reason, the usage rate of window transactions at financial institutions continues to decline. Under the current circumstances, if there are no special circumstances, it is possible to select machines such as automatic teller machines, etc. installed at financial institutions and other locations instead of window transactions. Many. Internet banking, which does not require direct visits to financial institutions, is also rapidly spreading and expanding.

  In addition, instead of the traditional means of verifying the identity of the passbook or deposit certificate (hereinafter referred to as passbook) and the registered seal, the means of personal authentication is replaced with a cash card, cash card PIN, ID code, password or fingerprint. -Various new authentication items such as palm print, face, eyeball and other biometric authentication are provided. For example, an identification system using face authentication is provided (Patent Document 2).

JP 2001-256347 A JP 2005-301539 A

  However, even in the modern society where an advanced IT society is built, window trading at financial institutions is the basis of transaction forms, and in addition, Japan, which is about to reach a mature society, is familiar with machinery and IT technology. Since there are many customers that do not exist, the importance of window trading has not diminished.

  In addition, if a financial institution's store is damaged or a failure or failure occurs in the IT infrastructure in the event of a computer failure, power outage, disaster, etc., the only remaining transaction means is a window transaction. . This clearly proves that only the counter transaction was able to respond to the urgent demands of the victims in the Great East Japan Earthquake that occurred on March 11, 2011. . However, at the time of a disaster such as a large-scale disaster, there are cases in which all identity verification documents such as passbooks, seals, cash cards, licenses, health insurance cards, etc. have been lost even at window transactions. There are many cases in which an authentication item (for example, a seal stamp as an authentication item for an authentication means using a seal) is not held, and a corresponding system has not been established. There is a risk that the situation will be prolonged and the social and economic life will be hindered. This risk is included not only at the time of disaster, but also in the event of an emergency in which the customer lost the seal or passbook due to loss, theft, loss, etc., and the safety and speed of transactions will be lost.

  In addition, the identity authentication means using a passbook and a seal has a vulnerability as a money laundering countermeasure required by the so-called crime revenue transfer prevention law, and has various problems for both financial institutions and customers.

  First, financial institutions rely on the personal judgment of financial institution staff to verify and judge the imprint imprinted on the slip and the registered seal, so there is no objective support and it is essential for rationality. Is lacking. Even if the seals match, it is not scientifically proven to be the person himself. Moreover, since there are no restrictions or standards for the registered seal, it can be used in a so-called three-sentence format and is easy to forge. In addition, identity verification work is done manually by window staff using slips, and backlogs such as the maintenance and storage of various evidence as confirmation results are increasing. In addition, diversification of personal authentication means is expected, and the personal authentication means and authentication items constructed for each type of transaction such as Internet banking cannot be used at the counter. For this reason, it takes time to adapt to the diversifying customer lifestyles, and as a result, customer convenience is impaired.

  Even for customers, unless they bring a passbook and a registered seal, it is irrational that even if they are clearly the person themselves, they cannot carry out a counter transaction. In other words, if the seals are different, no matter how much the person is actually the person, it is not recognized as the principal of the transaction on the counter transaction. On the other hand, as long as you have a passbook and a registered seal, you can be impersonated and can be impersonated. In addition, passbooks and seals always have the risk of loss in the event of an emergency such as loss or theft, or in the event of a disaster caused by a large-scale disaster, etc., which is complicated to manage and lacks safety. That is, if different seals are registered for each financial institution or transaction account, the management thereof is complicated. On the other hand, unifying the seals increases the risk of loss or the like. In addition, for safety reasons, it is preferable to keep the passbook and seals separately, but it is necessary to carry them together for transactions, which is cumbersome and a fundamental problem in safety management. ing.

  As shown in Patent Document 2, a system for performing identity verification by face authentication instead of a seal is also provided. However, in the counter transaction, the customer's face is photographed by the financial institution's counter staff, and the face authentication is performed at the sales terminal of the financial institution, and finally the counter staff visually checks and judges, In the conventional personal authentication system, the authentication item is simply changed from a seal to a face. Therefore, the systems disclosed in Patent Document 1 and Patent Document 2 are merely for assisting collation / determination by visual inspection of seals and collation / determination by visual observation of faces, and are not for determining whether authentication is possible. Therefore, none of the means can eliminate the personality of the window staff in authenticating the person.

  The personal authentication in the window transaction is quick, while ensuring safety and certainty by eliminating personal judgment and human error, and the authentication items are limited to seals that may be stolen or counterfeited. In addition, there is diversity, versatility, responsiveness, and reliability that can be used in combination with any number of authentication items, and it is easy to use even in an emergency by using personal authentication items. It is preferable to have emergency response that can be authenticated. At the same time, it is required that the customer's intention regarding the transaction content can be confirmed and evidence of the transaction progress can be collected and stored in the same way as the customer's slip entry in the conventional window transaction.

  Therefore, the present invention solves the problems of the above-mentioned authentication system in the counter transaction using the passbook and the seal, and eliminates personal judgment and human error of the personal authentication by the counter staff, and performs the personal authentication. By making it independent of the financial institution's accounting system, it ensures its certainty and speed, and realizes diversification of authentication methods and authentication items according to the social environment, which is convenient for both financial institutions and customers. It is an object of the present invention to provide a personal authentication system and a transaction method in a window transaction of a financial institution that improves the property.

In order to achieve the object, the present invention is a personal authentication system for a financial institution to judge and confirm the presence or absence of a customer's own ability in a window transaction between a financial institution and a customer. A personal authentication engine capable of transmitting information to both the customer terminal operated by the customer and the window terminal operated by the financial institution is separated from the accounting system of the financial institution performing the window transaction and is installed independently. The interface between the window terminal and the personal authentication engine can be interfaced, the interface between the window terminal and the personal authentication engine and the accounting system can be interfaced, and the interface between the personal authentication engine and the accounting system can be interfaced. At the same time, the interface between the customer terminal and the billing system is set so that it cannot be interfaced. And authentication item that has been registered as an authentication means to the engine, by the customer through the customer terminal is to collate and judgment in the authentication engine to engage with the authentication item that was presented to the authentication engine, it requires that financial institutions is carried out in a counter trading The system provides an identity authentication system in the window transaction of a financial institution that performs identity verification independently of the account system of the financial institution performing the window transaction.

  An external storage device in which an authentication item is presented via a customer terminal or at a window, an authentication unit selected by the customer, and an authentication item to be authenticated by the authentication unit are attached to the personal authentication engine body or the personal authentication engine In addition to the configuration to record and store the authentication item verification / judgment record in the personal authentication engine main body or the external storage device attached to the personal authentication engine, the configuration to attach the authentication item input device to the customer terminal, Provided is a configuration in which authentication means registered in a personal authentication engine can be displayed on a window terminal.

Configuration in which the window transaction is withdrawal, deposit, inquiry, change of personal matters, change of authentication means or change of authentication item, and one or a plurality of items provided by the financial institution and customers select as authentication items 1 Or the structure which uses in combination with several customer selection items is provided.

In addition, as a financial institution-provided item, a configuration that uses an item arbitrarily combined from a material item such as a bankbook, deposit certificate, cash card, Internet banking IC card, and information item such as an Internet banking login ID, as a customer-selected item , Seals, signatures, fingerprints, palm prints, faces, eyeballs, and other biological items, and information items such as cash card PIN, Internet banking password, one-time password, secret word, address, name, date of birth, etc. Provide a configuration that uses the combined items .

And the transaction method in the window transaction of the financial institution which performs any of the following step A-step D sequentially using any of the above-mentioned personal authentication systems in the window transaction of the financial institution is provided.
Step A: A step of displaying, on the customer terminal, the authentication means registered in the personal authentication engine in advance by selection of the customer at the window of the financial institution.
Step B: Presenting an authentication item for satisfying the usable authentication means displayed on the customer terminal by inputting it to the customer terminal.
Step C: transferring the presented authentication item to the personal authentication engine, and verifying / determining in the personal authentication engine the agreement between the authentication item registered in the personal authentication engine in advance by the customer's selection and the authentication item presented by the customer .
Step D: A step of transferring the judgment result to the customer terminal and displaying a confirmation of execution of the transaction or failure of the authentication in the customer terminal.

  According to the present invention described above, the authentication between the authentication item previously registered in the authentication engine by the customer selection and the authentication item presented by the customer is separated from the duties of the bank staff of the financial institution and the authentication item presented by the customer. Since it is performed by checking and judging in the engine, it is possible to switch from the artificial judgment to the system judgment by eliminating the personal judgment and human error and determining whether the authentication is possible. Therefore, it is possible to quickly perform identity authentication in the window transaction while ensuring safety and certainty. In addition, the identity authentication engine is installed to be able to communicate with both the customer terminal operated by the customer and the window terminal operated by the financial institution and independent of the accounting system of the financial institution. It is possible for the customer to carry out the procedure independently of the accounting system of the financial institution.

  Moreover, the authentication item is not limited to a seal that may be stolen or counterfeited, but one or more items provided by a financial institution, specifically, a passbook, deposit certificate, cash card, Internet banking IC card ( IB / IC card) and other items selected from information items such as Internet banking login ID (IB / login ID), and one or more customer selection items selected by the customer, specifically a seal , Signatures, fingerprints, palm prints, faces, eyeballs, and other biological items and information items such as cash card PIN, Internet banking password (IB / password), one-time password, secret word, address, name, date of birth, etc. By using any combination of items from The diversity of the authentication items, versatility, responsiveness, has reliability, further comprising a emergency response properties which can be easily authentication in emergency With herself exclusive authentication item. Therefore, it provides a personal authentication system and a transaction method in a window transaction of a financial institution that realizes diversification of authentication means and authentication items according to changes in the social environment and improves convenience of both the financial institution and the customer. be able to.

  In the present invention, the independence of the system can be ensured by making the personal authentication system independent of the existing system, while the independence of the system can be ensured. Even if the number of certified items is increased or changed, it is possible to eliminate the need for system adaptation of the existing system. In addition, it is possible to improve the efficiency of authentication work for financial institution window staff, improve the authentication system, and shorten customer waiting time, optimize financial institution window operations, and improve customer convenience. Further, when it is necessary to confirm the history of personal authentication, it is possible to search the history with log data, to ensure the security of the personal authentication work, and to improve the authentication accuracy by system authentication. Therefore, it is possible to reduce the burden on the window staff and system development personnel in the authentication process and improve the convenience for the customer.

The basic block diagram of the personal authentication system in the window transaction of the financial institution concerning this invention, and its transaction method. The basic chart figure of this invention. The chart figure in the withdrawal transaction without a voucher. Explanatory drawing of the customer terminal which shows the example of a combination of an authentication means. The chart figure in the withdrawal transaction using a voucher. The chart figure in the payment transaction using a voucher. The chart figure in an inquiry transaction. The chart figure in a person matter change transaction. The chart figure of an authentication means and authentication item change transaction. Customer terminal display example. Customer terminal display example. The basic block diagram of the personal identification system in the window transaction of the conventional financial institution.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of a personal authentication system and a transaction method for a window transaction of a financial institution according to the present invention will be described below based on the drawings. The window transaction that is the subject of the present invention is established by a legal procedure and identity verification based on the customer's transaction intention expression at the window of the branch office of the financial institution where the customer and the window staff of the financial institution meet each other. General financial transactions such as deposit business, loan business, exchange business, securities business, insurance business. Typical transactions include withdrawals, inquiries, deposits, changes in personal matters, changes to certified items, and others. In addition, identity authentication means that a financial institution determines and verifies the customer's proactive ability to conduct various types of window transactions in order to perform identity verification that must be performed by the bank in the window transaction. Say.

  FIG. 1 is a basic configuration diagram of a personal authentication system and its transaction method in a window transaction of a financial institution according to the present invention. In the figure, 1 is a customer terminal operated by a customer, 2 is a window terminal operated by a bank staff at a financial institution, 3 is a personal authentication engine, and 4 is a billing system of the financial institution. The customer terminal 1 and the window terminal 2 are connected by an interface 5, the customer terminal 1 and the user authentication engine 3 are connected by an interface 6, and the window terminal 2 and the person authentication engine 3 are connected by an interface 7, respectively. Further, the window terminal 2 and the billing system 4 are connected by an interface 8, and the billing system 4 and the personal authentication engine 3 are connected by an interface 9 so that information can be transmitted. Therefore, the personal authentication engine 3 is separated from the account system 4 and is independent as a separate system, and the customer can directly access from the customer terminal 1.

  The customer terminal 1 performs operations such as selection of transaction contents, input of transaction contents, selection of personal authentication means, presentation of authentication items, confirmation of transaction contents, etc., in order for the customer to perform transaction with the financial institution. It is a terminal device for performing directly in. Therefore, the customer terminal 1 transmits information to the window terminal 2 via the interface 5 and receives information from the window terminal 2. Similarly, the customer terminal 1 transmits information to the personal authentication engine 3 via the interface 6 and receives information from the personal authentication engine 3. The customer terminal 1 and the billing system 4 cannot be interfaced, and the customer terminal 1 cannot access the billing system 4.

  In the present invention, the financial institution-provided item group 16 arbitrarily provided to the customer by the financial institution and the customer-selected item group 17 arbitrarily selected by the customer under the rules determined by the financial institution are selected. The authentication is performed by using the authentication means 11 selected by the customer based on his / her own intention and the authentication item 18 as a key for satisfying the authentication means 11 on the condition that at least one is selected.

  The financial institution-provided item group 16 is a physical item such as a bankbook, deposit certificate, cash card, Internet banking IC card, and the like, and an intangible object that can be recognized as information such as an Internet banking login ID. A certain information item 16b is arbitrarily combined. Similarly, the customer selection item group 17 includes a physical item 17a which is a physically existing object such as a seal, a signature, a fingerprint, a palm print, a face, an eyeball, and other living bodies, a cash card PIN, an Internet banking password, and a one-time. Information items 17b, which are intangible objects that can be recognized as information such as passwords, secret words, addresses, names, and dates of birth, are arbitrarily combined. Table 1 shows an example of the combination of the available financial institution-provided item group 16 and the customer-selected item group 17.

  Table 1 shows an example of whether or not the combination of the financial institution provided item group 16 and the customer selection item group 17 is possible. As shown in the figure, any combination can be selected. For example, as a specific example of the authentication means 11 selected from the financial institution provided item group 16 and the customer selected item group 17, “deposit book, cash card” from the financial institution provided item group 16 and from the customer selected item group 17. “Cash card PIN code, secret word” is selected, and one of the two item groups 16 and 17 is set as the authentication unit 11. In this case, either one of the “deposit book, cash card” of the financial institution-provided item group 16 and one of the “cash card PIN number, secret word” of the customer selection item group 17 is the authentication means 11, The substance (deposit passbook or cash card as the substance item 16a) and information (cash card PIN or secret code as the information item 17b) as keys satisfying these authentication means 11 become the authentication item 18. Therefore, the authentication means 11 can use four combinations of “deposit bankbook and cash card PIN”, “deposit bankbook and secret”, “cash card and cash card PIN”, and “cash card and secret”. A substance or information as a key that satisfies the authentication means 11 becomes the authentication item 18.

  Or, if both “deposit book, cash card” and “cash card PIN, secret word”, that is, all four items are selected as authentication means 11, a substance (deposit as substance item 16 a) that matches these authentication means 11 A passbook and a cash card) and information (a cash card code number and a secret word as the information item 17 b) are authentication items 18. Also, a combination such as “deposit book” and “cash card PIN number, secret word”, “deposit book, cash card” and “secret word” may be used. Furthermore, it is possible to select that one or a plurality of authentication means 11 is essential, for example, “cash card” is essential, and “cash card PIN or secret” may be either. In short, as long as it is sufficient to select at least one authentication item 18 from both the financial institution-provided item group 16 and the customer selection item group 17, any combination may be added thereto. . This is for ensuring the safety of the transaction, and depending on the case, it may be selected from either the financial institution provided item group 16 or the customer selected item group 17.

  In Table 1, a one-time password means a password that can only be used once (disposable password). If the customer selects a one-time password as the information item 17b, a random number based on the time or the like in advance. Is generated by generating a password, and the customer inputs the password as the information item 17b to the customer terminal 1, and matches the password generated by the authentication engine 3 by a mechanism for generating the same random number as the one-time password. It is to determine whether or not. The mechanism for generating random numbers is unique to the customer specified by the financial institution provided item group 16.

  In addition, other materials and information that can be used as the authentication unit 11 and the authentication item 18 can be used as the financial institution provided item group 16 and the customer selection item group 17 without being limited to the specific examples shown in Table 1. . That is, the combination of the financial institution-provided item group 16 and the customer-selected item group 17 is stored as a table as shown in Table 1 in the external storage device 14, and the table item spare item is used or the table itself is expanded. By doing so, it is possible to add or change arbitrarily.

  Therefore, the customer terminal 1 has a display capable of displaying various information such as the authentication means 11 that communicates with the window terminal 2 and the personal authentication engine 3, and an authentication item input device that can input various authentication items 18. 10 is connected. The authentication item input device 10 also connects both the substance item input device 10a capable of reading and displaying the substance items 16a and 17a and the information item input device 10b capable of inputting and displaying the information items 16b and 17b to the customer terminal 1. doing.

  The substance item input device 10a is connected with a display, a card reader, a scanner, a camera, a biometric data recognition / input device, etc., and the information item input device 10b is connected with a display, a keyboard, a touch panel, a voice input device, etc. To do. For example, information items 16b and 17b such as a personal identification number, Internet banking login ID, Internet banking password, secret word, address, name, date of birth, etc. are input via a keyboard, touchpad, or touch panel, and are used as substance items 16a and 17a. A card item such as a cash card is passed through a card reader, an image item such as an imprint is passed through a scanner, and a substance item 17a composed of a fingerprint, palm print, face, eyeball or other living body is passed through a biological data input device such as a camera. It is possible to select and input to the customer terminal 1 and transmit it to the window terminal 2 and the personal authentication engine 3. Similarly, a transaction specifying item 12 for specifying transaction details such as account number, name holder, date, transaction amount, etc. is also transmitted to the window terminal 2 and the authentication engine 3 via the keyboard as the information item input device 10b. Is possible.

  The substance item input device 10a and the information item input device 10b are not limited, and the selected substance or information can be transmitted as information via the interface according to the substance item 16a, 17a or the information item 16b, 17b to be used. Any device can be used. In addition, when using a deposit passbook or deposit certificate as the substance item 16a, the customer hands the deposit passbook or the like to the window staff, and the window staff records using the bankbook printer connected to the window terminal 2. Note that the customer terminal 1 may read and book.

  The window terminal 2 is a terminal device in which a window staff of a financial institution performs various operations and instruction operations such as image reading of customer entry slips, reading of customer passbooks, input of transaction details, and transaction execution instructions. Information is transmitted to the customer terminal 1 through the terminal, and information from the customer terminal 1 is received. Similarly, the window terminal 2 transmits information to the personal authentication engine 3 via the interface 7 and receives information from the personal authentication engine 3. Further, the window terminal 2 transmits information to the accounting system 4 of the financial institution via the interface 8 and receives information from the accounting system 4.

  As shown in FIG. 1, the window terminal 2 has a display capable of displaying information transmitted to and from the customer terminal 1, the identity authentication engine 3, and the billing system 4, and a keyboard, touch panel, and scanner for transmitting information. , Mouse, passbook printer, and other necessary input devices 13.

  The identity authentication engine 3 is an independent processing device that performs a series of processes for identity authentication in a window transaction of a financial institution, and is installed independently from the accounting system 4 of the financial institution. Information is transmitted to the customer terminal 1 and information from the customer terminal 1 is received. Similarly, the personal authentication engine 3 transmits information to the window terminal 2 via the interface 7 and receives information from the window terminal 2.

  The personal authentication engine 3 includes various authentication means 11 registered in the personal authentication engine 3 in advance by customer selection, and substances and information as keys that satisfy the authentication means 11 as financial institution provided item group 16 and customer selected item group 17. The authentication item 18 selected by the customer from among the items and the authentication item 18 presented by the customer to the authentication engine 3 via the customer terminal 1 are collated and determined. For example, by performing biometric authentication, seal impression verification, password verification, etc., identity verification in the counter transaction is performed, and the result is transmitted to the customer terminal 1, the counter terminal 2, and the billing system 4. Further, the personal authentication engine 3 is provided with an external storage device 14 capable of transmitting information to each other via the interface 15 so that various authentication items 18 selected by the customer can be registered and stored in the external storage device 14. Good. At the same time, the external storage device 14 records the verification / judgment evidence of the authentication item 18 by the personal authentication engine 3 as a log. Note that all information recorded in the external storage device 14 may be recorded in the personal authentication engine 3 without providing the external storage device 14.

  The account system 4 is a business system that executes bank account processing such as management of various information related to accounts and loans such as customer information, account information and account balance, and interest calculation for deposit amount and loan amount in a financial institution. Yes, it is the core system for financial institutions to perform various financial operations. For example, it is a process of checking or updating the account balance each time a customer withdraws or deposits cash. Alternatively, it is a process of debiting a credit card usage fee or a utility bill from the customer's account and updating the balance.

  The billing system 4 is installed independently of the customer terminal 1, and transmits information to the window terminal 2 via the interface 8 and receives information from the window terminal 2. Similarly, the billing system 4 transmits information to the personal authentication engine 3 via the interface 9 and receives information from the personal authentication engine 3.

  Next, the personal authentication system and the transaction method in the window transaction of the financial institution based on the above configuration will be described based on the basic chart of FIG.

[Step 0 / from customer, customer terminal 1 or slip to window terminal 2]
As the premise of performing identity authentication, in order to identify transactions for performing identity authentication, as step 0, transaction identification as necessary items for identifying transaction details such as account number, nominee, date, transaction amount, etc. The customer inputs the item 12 from the information item input device 10b such as the keyboard of the customer terminal 1 and displays it on the window terminal 2 via the interface 5 and transmits it to the window staff of the financial institution. The transaction specific item 12 may be filled in a slip as before and handed to a window staff without using the customer terminal 1.

[Step A / counter staff, from the terminal 2 to the customer terminal 1 via the authentication engine 3]
When the transaction content is specified in step 0, identity authentication is performed to determine whether or not the person is the principal requirement for performing the transaction. First, as a step A, at a financial institution's counter, a customer selects in advance a transaction that the counter staff inputs to the counter terminal 2 from the input device 13 according to the contents of the slip displayed or handed over at the counter terminal 2 Various authentication means 11 registered in the authentication engine 3 or the external storage device 14, such as a bank passbook as a tangible object physically held by a customer, a seal, a cash card, a fingerprint, a palm print, a face, an eyeball, and other living bodies The substance item 16a, 17a and the information item 16b, 17b such as a personal identification number, Internet banking login ID, Internet banking password, encryption, address, name, date of birth, etc., which are intangibles recognized by customers as information The information is displayed on the customer terminal 1 via the authentication engine 3.

[Step B / Customer, from customer terminal 1 to authentication engine 3]
In order to select the authentication means 11 to be used for the current transaction as Step B from among various usable authentication means 11 displayed on the customer terminal 1 in Step A, and to authenticate by the selected authentication means 11 The authentication items 18 (substance items 16a and 17a and information items 16b and 17b) registered in the personal authentication engine 3 are input to the customer terminal 1 and presented to the financial institution. The authentication means 11 is determined by the intention of the customer. For example, five authentication items 18 may be registered, and any two of them may be combined into the authentication means 11, or the essential authentication means 11 may be 1 The setting may be a combination of any other two authentication means 11. However, from the viewpoint of transaction safety, it is preferable to select at least one from both the financial institution provided item group 16 and the customer selected item group 17.

  As a specific example, a cash card as a substance item 16a and an internet banking login ID as an information item 16b are selected from the financial institution provided item group 16 and a customer item selection item group 17 as a substance item 17a depending on the customer selection. The fingerprint and the Internet banking password as the information item 17b are selected and registered in the personal authentication engine 3, and two items from the financial institution-provided item group 16 and one from the customer-selected item group 17 are identified as the authentication means 11. A case where the setting is made will be described as an example. The customer inputs the internet banking login ID using the information item input device 10b such as a keyboard, scans the fingerprint using the substance item input device 10a made of a scanner, and uses the substance item input device 10a made of a card reader. To read the cash card and transmit it to the personal authentication engine 3 as information on the authentication item 18 from the customer terminal 1.

[Step C / Authentication Engine 3]
In step B, the authentication item 18 presented by the customer by being input to the customer terminal 1 is transferred from the customer terminal 1 to the personal authentication engine 3 via the interface 6, and in step C, the personal authentication engine is previously selected by the customer. 3, the personal authentication engine 3 collates and determines the agreement between the authentication item 18 registered in 3 and the authentication item 18 presented by the customer.

[Step D / User Authentication Engine 3 to Customer Terminal 1]
As step D, the identity authentication procedure is completed by transferring to the customer terminal 1 and displaying whether or not the identity authentication, which is the determination result of the identity authentication engine 3, is displayed. If the person is not authenticated, the transaction ends here.

[Step E / from customer terminal 1 to window terminal 2]
If the user is authenticated, as step E, confirmation of execution of the subsequent transaction is displayed on the customer terminal 1 and the customer is asked for confirmation. Transmit to terminal 2.

[Step F / From the counter terminal 2 to the billing system 4]
The counter staff accesses the bill system 4 from the counter terminal 2 and instructs execution of necessary transactions.

[Step G / Transaction Execution, Account System 4 to Window Terminal 2]
The account system 4 checks whether or not the conditions for executing the transaction are satisfied, such as checking the account balance and whether or not the transaction is stopped. If it is satisfied, the account is updated. The money is instructed, the counter staff withdraws money from the customer, and the transaction is completed. Below, the specific example of window transaction is demonstrated.

[Withdrawal transactions without using slips]
As a specific example of a window transaction of a financial institution to which the present invention is applied, a personal authentication system and a transaction method thereof in “withdrawal transaction not using a slip” will be described based on the chart of FIG. In the figure, reference numeral 1 in a framework indicated by a one-dot chain line indicates a customer terminal, 2 indicates a window terminal, 3 indicates a personal authentication engine, 14 indicates an external storage device, and 4 indicates a billing system. First, in step 21, the customer inputs a transaction specifying item 12 necessary for specifying a withdrawal content such as an account number, a holder, a date, a withdrawal amount, etc., using a keyboard as an information item input device 10b or a substance item input. The transaction content is input to the customer terminal 1 by causing the card reader as the apparatus 10 a to read the cash card, and is transmitted to the window terminal 2 via the interface 5.

  In step 22, the financial institution's window staff displays the transaction specific item 12 transmitted via the interface 5 on the window terminal 2, and the authentication means 11 that can be used for the specified withdrawal transaction via the interface 7. The authentication engine 3 is inquired. The identity authentication engine 3 retrieves and confirms the usable authentication means 11 from the external storage device 14 via the interface 15 as shown in step 23 and the customer terminal 1 via the interface 6 as shown in step 23a. Communicated and presented to the customer terminal 1 in step 24. FIG. 4 is an explanatory view showing an example of a combination of usable authentication means 11 displayed on the display of the customer terminal 1. In the illustrated example, “a cash card as a substance item 16 a and a cash card password as an information item 17 b” are shown. "Combination of number", "Seal and biometric (fingerprint) as substance item 17a, and Internet banking login ID (IB login ID) as information item 16b", "Cash card as substance item 16a, and information item 17b "Internet banking password (IB password) and secret word combination" is shown as usable authentication means 11.

  The customer selects an arbitrary combination from the combinations of the authentication means 11 that can be used, for example, “a combination of a cash card as the substance item 16a and a cash card PIN as the information item 17b” in step 25, and in step 26 As shown in the figure, as an authentication item 18 as a key that satisfies the selected authentication means 11, a cash card is read by a card reader as the substance item input device 10a, and a cash card PIN is used as a keyboard as the information item input device 10b. The authentication items 18 are input from the touch panel and transmitted to the personal authentication engine 3 via the interface 6. The personal authentication engine 3 that has received the information of the authentication item 18 transmitted in step 27 collates with the authentication item 18 registered in advance in the external storage device 14 via the interface 15 in step 27a. The user authentication engine 3 authenticates / determines the contract between the authentication item 18 registered in the personal authentication engine 3 and the authentication item 18 presented by the customer.

  When the authentication item 18 is engaged, the personal authentication is completed in step 29, and the authentication result and transaction contents are transmitted to the customer terminal 1 via the interface 6 and displayed in step 30. On the other hand, when the authentication item 18 is not matched, it is transmitted to the customer terminal 1 via the interface 6 to prompt the user to re-enter the authentication item 18, and the same steps 26 to 28 as in the previous period are repeated, and the authentication item 18 is not matched again. When the transaction is not established as shown in step 38, the result is transmitted to the window terminal 2 via the interface 7, and the result is transmitted to the customer terminal 1 via the interface 6 and displayed as step 30. To end the transaction. Note that the number of times of prompting re-input may be set arbitrarily.

  Then, the customer confirms the authentication result and the transaction content presented in step 30 and makes an execution decision in step 31 as to whether or not to finally conduct the transaction. When the transaction is executed, the intention is transmitted to the window terminal 2 through the interface 5, and the window staff issues a transaction execution instruction from the window terminal 2 to the billing system 4 through the interface 8 as shown in step 32. Then, the accounting system 4 performs a withdrawal process as shown in step 33 and performs a ledger judgment as shown in step 34 to judge whether or not a transaction (withdrawal) is possible depending on the balance, deadline, conditions and other factors. If the transaction is possible (withdrawal is possible), the account is updated as shown in step 35, the cash to be withdrawn is withdrawn to the counter staff in step 36, and the counter staff has withdrawn to the customer in step 37. Complete the transaction by handing cash. Note that the customer may transmit a transaction execution instruction to the personal authentication engine 3 via the interface 6, and may transmit the personal authentication engine 3 to the account system 4.

  On the other hand, when the customer does not finally conduct the transaction, the transaction is transmitted to the window terminal 2 via the interface 5 as shown in step 31, and the transaction is terminated as the transaction is not established as shown in step 38. Further, the authentication judgment log in step 28 is transmitted to the external storage device 14 via the interface 15 and the authentication log record is stored as shown in step 39.

[Withdrawal transactions using slips]
Next, as a specific example of the window transaction, a personal authentication system and a transaction method in “withdrawal transaction using a slip” will be described based on the chart of FIG. In addition, about the structure same as the "payment transaction which does not use a voucher" shown in FIG. 3, the same code | symbol is attached | subjected and the description is abbreviate | omitted. In this embodiment, the customer enters the transaction specifying item 12 for specifying the transaction contents such as account number, nominee, date, withdrawal amount, etc. into the slip of the financial institution as before, in step 41. Apply for a transaction by handing the staff of

  Next, the window staff who has received the slip at step 42 confirms the transaction contents at step 43 and inputs the contents to the window terminal 2 via the input device 13. Next, the authentication means 11 that can be used for the specified withdrawal transaction is inquired to the personal authentication engine 3 via the interface 7. The identity authentication engine 3 retrieves and confirms the usable authentication means 11 from the external storage device 14 via the interface 15 as shown in step 23 and the customer terminal 1 via the interface 6 as shown in step 23a. In step 24, the type of the authentication means 11 is presented to the customer terminal 1 in step 24. The subsequent processing is the same as in the case of “withdrawal transaction without using slip” shown in FIG.

[Deposit Transaction]
As a specific example of the window transaction, a personal authentication system and a transaction method in “payment transaction” will be described based on the chart of FIG. In addition, about the structure same as the "payment transaction which does not use a voucher" shown in FIG. 3, the same code | symbol is attached | subjected and the description is abbreviate | omitted. In this embodiment, in step 51, the customer fills in a transaction specific item 12 for specifying transaction details such as account number, holder, date, deposit amount, etc. on a slip as before, to the counter staff of the financial institution. Hand over with cash and apply for a transaction. Note that the transaction specific item 12 may be input from the customer terminal 1 without using a slip, and only cash may be handed over to the counter staff.

  Next, the window staff who has received the slip and cash in step 52 confirms the transaction contents in step 53 and inputs the contents to the window terminal 2 via the input device 13. Next, the authentication means 11 that can be used for the specified deposit transaction is inquired to the personal authentication engine 3 via the interface 7. The identity authentication engine 3 retrieves and confirms the usable authentication means 11 from the external storage device 14 via the interface 15 as shown in step 23 and the customer terminal 1 via the interface 6 as shown in step 23a. In step 24, the authentication means 11 is presented to the customer terminal 1. Thereafter, the same processing as in the case of “withdrawal transaction without using a voucher” shown in FIG. 3 is performed, and the customer confirms the authentication result and the transaction content presented in step 30, and finally determines whether or not to conduct the transaction. This execution determination is made in step 31. When the transaction is executed, the intention is transmitted to the window terminal 2 through the interface 5, and the window staff issues a transaction execution instruction from the window terminal 2 to the billing system 4 through the interface 8 as shown in step 32. The account system 4 performs the deposit process as shown in step 54, performs the ledger judgment shown in step 55, updates the account as shown in step 56, stores cash, and stores the transaction result ( (Payment process) is displayed on the window terminal 2 in step 57 and the transaction result is displayed on the customer terminal 1 from the window terminal 2 in step 58 to complete the transaction.

[Inquiry transaction]
As a specific example of the window transaction, a personal authentication system and a transaction method in “inquiry transaction” such as balance inquiry will be described based on the chart of FIG. In addition, about the structure same as the "payment transaction which does not use a voucher" shown in FIG. 3, the same code | symbol is attached | subjected and the description is abbreviate | omitted. In this embodiment, the customer inputs the transaction specifying item 12 for specifying the transaction content of the inquiry item to the customer terminal 1 as step 21, and transmits it to the window terminal 2 through the interface 5. The transaction application may be made by verbally or filling in a predetermined slip and transmitting it to a financial institution staff. Thereafter, the same processing as the withdrawal transaction without using the slip shown in FIG. 3 is performed, and when the personal authentication is completed in step 29, the authentication result and the transaction contents (inquiry items) are obtained via the interface 6 in the customer terminal in step 30. 1 is displayed.

  Then, the customer confirms the authentication result and the transaction content (inquiry item) presented in Step 30, and makes an execution judgment in Step 31 as to whether or not to finally conduct the transaction. When executing the transaction, the intention is transmitted to the window terminal 2 through the interface 5, and the window staff issues an instruction to execute the transaction from the window terminal 2 through the interface 8 as shown in step 32. The account system 4 performs an inquiry process as shown in step 61 and makes a ledger decision as shown in step 62 to determine whether or not a transaction (inquiry) is possible due to conditions and other factors. If the transaction is possible (can be inquired), information about the inquiry item is edited in step 63, and the inquiry result is displayed on the window terminal 2 in step 64 via the interface 8 and transmitted to the window staff. In step 65, the inquiry result is displayed on the customer terminal 1 through the interface 5 and presented to the customer to complete the transaction. The inquiry result is printed out from the customer terminal 1 and provided to the customer according to the customer's selection. Note that the customer may transmit a transaction execution instruction from the customer terminal 1 to the personal authentication engine 3 via the interface 6 and from the personal authentication engine 3 to the billing system 4.

[Change of personal information]
As a specific example of the window transaction, the identity authentication system and the transaction method in the “personal matter change transaction” such as the address, name, and name will be described based on the chart of FIG. A personal matter is information relating to a living individual or an existing corporation or organization that can identify a specific individual, corporation or organization. Although there are things that can be changed and those that are not, the present invention targets information that can be changed. Examples of the personal matters that can be changed include a name, an address, a telephone number, and a FAX number. The personal information that cannot be changed includes the date of birth (date of establishment).

  The same components as those in the “withdrawal transaction without using a slip” shown in FIG. In this embodiment, the customer inputs the transaction identification item 12 for identifying the personal information to be changed, for example, the transaction content of the address change, to the customer terminal 1 as the step 21, and enters the window terminal 2 through the interface 5. introduce. The transaction application may be made by verbally or filling in a predetermined slip and transmitting it to a financial institution staff. Thereafter, the same processing as the withdrawal transaction without using the slip shown in FIG. 3 is performed, and when the personal authentication is completed in step 29, the authentication result and transaction contents (personal matters to be changed) are displayed via the interface 6 in step 30. Is transmitted to the customer terminal 1 and displayed.

  Then, the customer confirms the authentication result and the transaction content (individual matters to be changed) presented in step 30, and makes an execution decision in step 31 as to whether or not to finally conduct the transaction. When executing the transaction, the intention is transmitted to the window terminal 2 through the interface 5, and the window staff issues an instruction to execute the transaction from the window terminal 2 through the interface 8 as shown in step 32. The account system 4 performs a change process as shown in step 71 and performs a ledger judgment shown in step 72 to determine whether or not a transaction (change in personal matters) due to conditions or other factors is possible. Then, if the transaction is possible (can be changed for the personality item), the ledger is updated for the personality item to be changed in step 73, and the personality item change result is displayed on the window terminal 2 in step 74 via the interface 8. The information is transmitted to the window staff, and the window staff displays the change result on the customer terminal 1 in step 75 via the interface 5 to present it to the customer and complete the transaction. Note that the customer may transmit a transaction execution instruction from the customer terminal 1 to the personal authentication engine 3 via the interface 6 and from the personal authentication engine 3 to the billing system 4.

[Change of authentication means and / or authentication item]
The change transaction of the authentication means 11 and / or the authentication item 18 used for the authentication of the present invention will be described based on the chart of FIG. 9 by taking the change transaction of the authentication means 11 as an example. In addition, about the structure same as the "payment transaction which does not use a voucher" shown in FIG. 3, the same code | symbol is attached | subjected and the description is abbreviate | omitted. In this embodiment, as shown in the chart of FIG. 9, first, as a step 21, the customer specifies a transaction for specifying an account number, a holder or other authentication means 11 and / or a transaction for changing the authentication item 18. The transaction content of the item 12 is input to the customer terminal 1 and transmitted to the window terminal 2 via the interface 5, and the transaction content is displayed in step 22. The personal authentication system from the authentication means confirmation in the subsequent step 23 to the completion of the personal authentication shown in the step 29 performs the personal authentication by the same process as the “withdrawal transaction without using the slip” shown in FIG.

  When the personal authentication is completed in step 29, the authentication result and the change menu are transmitted to the customer terminal 1 via the interface 6 and displayed in step 71. An example of the change menu is shown in FIG. 10 as an example in which the authentication unit 11 is changed. In FIG. 10, there are four types of “seal + passbook”, “cash card + cash card PIN”, “biometric (fingerprint) + cash card PIN”, “IB login ID (Internet banking login ID) + IB password (Internet banking password)”. The combination is shown as authentication means 11, and “seal + passbook”, “cash card + cash card PIN”, “IB login ID + IB password” can be used, and “biometric (fingerprint) + cash card PIN” It is set as unavailable. When the authentication means 11 to be changed, for example, “Seal + Passbook” is changed to unusable from these authentication means 11, the change contents are changed to “Seal + Passbook” cannot be used as shown in FIG. To do. Next, in the case where the final confirmation of the authentication means 11 that can be used is performed in step 31 and the change of the authentication means 11 is executed, a transaction execution for changing the usable authentication means 11 as shown in step 73 is interfaced. 5 to the window terminal 2, and the window staff of the window terminal 2 transmits to the personal authentication engine 3 through the interface 7.

  The identity authentication engine 3 determines whether or not the transmitted authentication means 11 can be changed in step 74, and if the condition is satisfied, the authentication means 11 is changed to the external storage device 14 via the interface 15. In step 75, the registration of the authentication item 18 that can be used as a key for satisfaction is changed in step 75, and the transaction result display in which the authentication means 11 that can be used is changed via the interface 7 is displayed on the window terminal 2 in step 76. 6 is displayed on the customer terminal 1 at step 77, and the change of the usable authentication means 11 is completed. In addition, when adding the authentication means 11, the addition of the authentication means 11 is selected from the change menu shown in step 71, the authentication means 11 to be added is input from the information item input device 10b, and the window via the interface 5 is selected. Then, the authentication means 11 is added in the same procedure.

  When the customer cancels the change of the authentication means 11 in step 31, it notifies the window terminal 2 that the authentication means 11 is not changed, that is, the transaction is not established, via the interface 5, and the transaction is not established in step 38. Become. If it is determined in step 74 that the authentication engine 3 does not satisfy the change condition of the authentication means 11, it is determined that the authentication means 11 is not changed via the interface 7, that is, that the transaction is not established. 2, the transaction is not established in step 38, and the transaction result indicating that the authentication means 11 is not changed is displayed on the customer terminal 1 as step 77 via the interface 6.

  Even when the authentication item 18 which is a key satisfying the authentication unit 11 is changed, after the user authentication is performed in the same step as the change of the authentication unit 11, the authentication result is displayed from the authentication result and the change menu displayed in the step 71. The change of the item 18 is selected, the currently registered authentication item 18 is displayed, and the authentication item 18 to be changed or the addition of the authentication item 18 is selected. Then, the substance item 16a, 17a or the information item 16b, 17b to be the new authentication item 18 is input from the substance item input device 10a or the information item input device 10b, and the information of the authentication item 18 to be changed or added is input to the interface 5. Via the window terminal 2. Thereafter, the authentication item 18 is changed or added in the same procedure as the changing means of the authentication means 11 described above.

[Emergency transactions]
In the case of an emergency, “emergency response” when dealings with normal authentication are difficult due to loss, theft, loss, etc., and in the case of disasters caused by large-scale disasters, etc., specifically, Article 24 of the Disaster Countermeasures Basic Act This includes both “response to disasters” when an emergency response headquarters is established under the establishment of an emergency response headquarters or Article 28-2 of the Act. In these emergencies, normal authentication means cannot be used and financial transactions are necessary. In case of emergency, authentication for emergency to relax the authentication means 11 and the authentication item 18 in advance. By setting the means 11 and the authentication item 18 for emergency use, it is necessary to urgently withdraw a deposit for social life even in the event of an emergency, for example, when a bankbook or cash card is lost during a disaster. It is possible to realize window trading even when the price is high. Specifically, the authentication means 11 and the authentication item 18 as the key thereof are relaxed, and the authentication item 18 that can be provided by the customer is preset from the substance items 16a and 17a and the information items 16b and 17b shown in Table 1. By doing so, it is possible to authenticate the person in an emergency evacuation and to conduct a window transaction.

  According to the present invention described above, the authentication between the authentication item previously registered in the authentication engine by the customer selection and the authentication item presented by the customer is separated from the duties of the bank staff of the financial institution and the authentication item presented by the customer. Since it is performed by checking / judging in the engine, it is possible to eliminate personal judgment and human error, and quickly perform identity authentication in the window transaction while ensuring safety and certainty. In addition, the identity authentication engine is installed to be able to communicate with both the customer terminal operated by the customer and the window terminal operated by the financial institution and independent of the accounting system of the financial institution. It is possible for the customer to carry out the procedure independently of the accounting system of the financial institution.

  Moreover, the authentication items are not limited to seals that may be stolen or counterfeited, but passports, seals, cash cards, fingerprints, palm prints, faces, eyeballs, and other biological items such as biometrics, passwords, Internet banking login IDs, By using one or more items arbitrarily combined from information items such as Internet banking password, encryption, address, name, date of birth, etc., the authentication item has diversity, versatility, responsiveness and reliability. In addition, by using a personalized authentication item, it is possible to easily authenticate the person even in an emergency and has emergency response. Therefore, it is possible to provide a personal authentication system and a transaction method thereof in a window transaction of a financial institution that realizes diversification of authentication means according to changes in the social environment and improves convenience of both the financial institution and the customer. .

  Therefore, the independence of the system can be ensured by making the personal authentication system independent of the existing system, while the independence of the system can be secured. Even in the case of a change, it is possible to eliminate the system compatibility work of the existing system. In addition, it is possible to improve the efficiency of authentication work for financial institution staff, improve the accuracy of authentication, shorten customer waiting time, optimize the business of financial institutions, and improve customer convenience. Further, when it is necessary to confirm the history of personal authentication, it is possible to search the history with log data, to ensure the security of the personal authentication work, and to improve the authentication accuracy by system authentication. Therefore, it is possible to reduce the burden on the window staff and system development personnel in the authentication process and improve the convenience for the customer.

DESCRIPTION OF SYMBOLS 1 ... Customer terminal 2 ... Window terminal 3 ... Identity authentication engine 4 ... Account system 5, 6, 7, 8, 9, 15 ... Interface 10 ... Authentication item input device 10a ... Substance item input device 10b ... Information item input device 11 ... Authentication means 12 ... Transaction specific item 13 ... Input device 14 ... External storage device 16 ... Financial institution provided item group 17 ... Customer selected item group 16a, 17a ... Substance item 16b, 17b ... Information item 18 ... Authentication item

Claims (11)

A personal authentication system for a financial institution to determine and confirm the presence or absence of a customer's own ability in a window transaction between a financial institution and a customer,
A personal authentication engine that can communicate with both the customer terminal operated by the customer and the counter terminal operated by the financial institution at the counter of the financial institution is separated from the accounting system of the financial institution that performs the counter transaction and installed independently. And
Interface between customer terminal, window terminal and authentication system, interface between window terminal, authentication engine and accounting system, and interface between authentication system and accounting system And set the interface between the customer terminal and the billing system to be disabled.
Counter transaction by verifying / determining in the personal authentication engine the agreement between the authentication item previously registered as authentication means in the personal authentication engine by the customer and the authentication item presented by the customer to the personal authentication engine via the customer terminal The identity verification system in a window transaction of a financial institution, wherein identity verification that the financial institution needs to perform in the bank is performed independently of the account system of the financial institution performing the window transaction.   The personal authentication system in a window transaction of a financial institution according to claim 1, wherein the authentication item is presented via a customer terminal or at a window.   3. A transaction at a financial institution according to claim 1 or 2, wherein the authentication means selected by the customer and the authentication items for authentication by the authentication means are registered and stored in the personal authentication engine main body or an external storage device attached to the personal authentication engine. Identity verification system.   4. A personal authentication system in a counter transaction of a financial institution according to claim 1, wherein verification / judgment records of authentication items are recorded in a personal authentication engine main body or an external storage device attached to the personal authentication engine.   5. A personal authentication system in a window transaction of a financial institution according to claim 1, 2, 3, or 4, wherein an authentication item input device is attached to a customer terminal.   6. The personal authentication system in the counter transaction of a financial institution according to claim 1, 2, 3, 4 or 5, wherein the authentication means registered in the personal authentication engine can be displayed on the counter terminal.   7. The personal authentication system in the window transaction of a financial institution according to claim 1, wherein the window transaction is withdrawal, deposit, inquiry, personal information change, authentication means change or authentication item change.   The authentication item is a combination of one or more financial institution provided items provided by a financial institution and one or more customer selection items selected by a customer. 7. A person authentication system in the window transaction of a financial institution described in 7.   Item 1, 2, 3, wherein an item arbitrarily combined from a material item such as a bankbook, deposit certificate, cash card, internet banking IC card and information item such as internet banking login ID is used as an item provided by a financial institution 4. A person authentication system in a window transaction of a financial institution described in 4, 5, 6, 7 or 8.   Customer-selected items such as seals, signatures, fingerprints, palm prints, faces, eyeballs, and other biological items, cash card PINs, Internet banking passwords, one-time passwords, secret words, addresses, names, dates of birth, etc. The personal authentication system in a window transaction of a financial institution according to claim 1, 2, 3, 4, 5, 6, 7 or 8, wherein an item arbitrarily combined from items is used. 11. A transaction method in a window transaction of a financial institution using the personal authentication system in the window transaction of a financial institution according to any one of claims 1 to 10 and sequentially performing the following steps A to D.
Step A: A step of displaying, on the customer terminal, the authentication means registered in the personal authentication engine in advance by selection of the customer at the window of the financial institution.
Step B: Presenting an authentication item for satisfying the usable authentication means displayed on the customer terminal by inputting it to the customer terminal.
Step C: transferring the presented authentication item to the personal authentication engine, and verifying / determining in the personal authentication engine the agreement between the authentication item registered in the personal authentication engine in advance by the customer's selection and the authentication item presented by the customer .
Step D: A step of transferring the judgment result to the customer terminal and displaying a confirmation of execution of the transaction or failure of the authentication in the customer terminal.

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