JP6078985B2 - Trading device - Google Patents

Description

The present invention relates to the transaction equipment, for example, it can be applied to the ATM (Automated Teller Machine), which is installed in financial institutions and convenience stores, such as banks.

  In ATMs that allow transactions using a conventional cash card, the customer's account is specified based on the account information (account number, etc.) recorded on the cash card inserted by the customer, and authentication is performed using a PIN. Processing and transaction processing (for example, data processing associated with deposit transactions and withdrawal transactions) are performed by communicating with a host computer (account system).

  In addition, there are devices that can perform authentication processing by biometric authentication in ATMs that can perform transactions using a conventional cash card. However, since authentication information required for biometric authentication requires communication and processing of data with a large amount of data such as image data, more processing time is required than authentication processing performed with a small amount of data such as a password.

  In order to solve such a problem, the conventional ATM described in Patent Document 1 performs the authentication process by biometric authentication, the authentication process by the personal identification number, and the operation reception regarding the transaction in parallel. The waiting time has been shortened.

JP 2010-129066 A

  However, in the technique described in Patent Document 1, the processing is based on the input of the account number recorded on the cash card and the personal identification number, and it corresponds to a transaction that does not use a cash card (cardless transaction). Not applicable to Cardless transaction means that the customer's account is identified or authenticated based on information (for example, biometric information) input from a customer without using a cash card or other medium without using a cash card, It is the structure which performs the process used as the premise of transaction.

  In ATMs that perform cardless transactions, it is possible to maintain a high level of security without complicating the operations of the customer by performing identification and authentication processing of the customer's account through biometric authentication. Takes a lot of time. By placing an ATM that allows cardless transactions, customers can conduct transactions even if they do not have a cash card. However, it takes time for authentication processing and account identification, and the customer is kept waiting accordingly. Become.

Therefore medium in which information is recorded using the transaction (e.g., a cash card, etc.) in a transaction is not used, it is desired transaction equipment capable of shortening the waiting time of the user (customer).

A first aspect of the present invention is a transaction apparatus capable of performing a transaction with a user without using a medium in which information related to the transaction is recorded. (1) A biological information acquisition unit that acquires biological information from the user. (2) Transaction processing is performed with the user, and after accepting the selection of the transaction type from the user, the first transaction method with biometric authentication or the second without biometric authentication A transaction processing unit that accepts a selection of one of the transaction methods from the user and causes the biometric information acquisition unit to acquire biometric information from the user when the first transaction method is selected by the user; (3) transmits the biometric information to the biometric information acquisition unit acquires the external system, a biometric authentication request means for requesting the biometric authentication of the user, biometric information by (4) the biological authentication request means In parallel to the transmission of, capable of detecting a candidate biometric information identifier of the user, searches the key information and the search information input means for inputting to the user, (5) of the biological information by the biological authentication request means In parallel with the transmission, the search key information input by the search information input means is transmitted to the external system, thereby searching the external system for the candidate of the biometric information identifier of the user using the search key information. After the biometric information transmission by the biometric authentication requesting unit is completed, the biometric information corresponding to the user biometric information identifier candidate and the biometric authentication process based on the biometric information transmitted by the biometric authentication requesting unit are executed. and a key information transmission unit, (6) the transaction processing unit, the biometric authentication process by the case where the external system in which the first trading system is selected Only when Gong, performs transaction processing with the user, after transmission of the biometric information to the external system is started by the biometric authentication request unit, to accept input of transaction information about the transaction from the user It is possible.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction apparatus which can shorten a user's waiting time in the transaction which does not use the medium on which the information used for transaction is recorded can be provided.

It is a block diagram which shows the whole structure of ATM which concerns on 1st Embodiment. It is the block diagram shown about the whole structure of the transaction system provided with ATM which concerns on 1st Embodiment. It is an external appearance perspective view of ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the information which the registration authentication information storage part with which the authentication server which concerns on 1st Embodiment is provided memorize | stores. It is explanatory drawing shown about the structural example of the information which the account corresponding | compatible information memory | storage part with which the DB server which concerns on 1st Embodiment is provided memorize | stores. It is the sequence diagram shown about the process in case a transaction with a customer is performed in the transaction system which concerns on 1st Embodiment (the 1). It is the sequence diagram (the 2) shown about the process in case a transaction with a customer is performed in the transaction system which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the transaction selection screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the transaction system selection screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the biometric information input reception screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the birth date input reception screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the payment amount input reception screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the PIN code input reception screen displayed by ATM of 1st Embodiment. It is the sequence diagram shown about the process in case the customer owns several accounts with the transaction system which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the account selection reception screen displayed by ATM which concerns on 1st Embodiment. It is the sequence figure shown about the process when transaction cancellation generate | occur | produces during transmission (before transmission completion) of biometric information by ATM which concerns on 1st Embodiment. In the ATM which concerns on 1st Embodiment, it is the sequence diagram shown about the process when transaction cancellation generate | occur | produces after the transmission of biometric information is completed. It is explanatory drawing shown about the structural example of the information memorize | stored in the account corresponding | compatible information storage part of ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the structural example of the separate ID input screen displayed by ATM which concerns on 2nd Embodiment.

(A) First Embodiment Hereinafter, a first embodiment of a transaction equipment according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

(A-1) Configuration of First Embodiment FIG. 2 is a block diagram showing an overall configuration of a transaction system 1000 having ATM 1 of this embodiment.

  In the transaction system 1000, an ATM 1, an application server 2, a host computer 3, a DB server 4, and an authentication server 5 are arranged. In addition, the number of ATM1 arrange | positioned in the transaction system 1000 is not limited.

  ATM1 is connected to the network N. The ATM 1 is connected to the application server 2 via the network N. The application server 2 can be connected to the host computer 3, the DB server 4, and the authentication server 5, and provides transaction processing services to the ATM 1 in cooperation with these devices. When viewed from the ATM 1, the system constituted by the application server 2, the host computer 3, the DB server 4, and the authentication server 5 is recognized as one external system. The specific hardware configuration of the external system described above is not limited. For example, the external system may be configured using a single device (computer).

  Although the communication system of the network N is not limited, for example, an IP communication network such as the Internet can be applied. The application server 2 and other servers (host computer 3, DB server 4, authentication server 5) are faster than the ATM 1 by, for example, LAN connection (for example, Ethernet (registered trademark) connection). It is assumed that proper communication is possible.

  Next, the internal configuration of ATM1 will be described.

  FIG. 1 is a block diagram showing the overall configuration of the ATM 1 of this embodiment. FIG. 3 is an external perspective view of the ATM 3.

  The ATM 1 includes a control unit 10, a data storage unit 20, a user interface unit 30, a card reader 40, a printer 50, and a cash processing unit 60. The ATM 1 of the first embodiment supports cardless transactions in addition to transactions using cash cards.

  The control unit 10 has a function of performing operation control and information processing of each unit in the ATM 1 (function including the biometric authentication requesting unit, the search information input unit, the search key information transmission unit, the transaction processing unit, etc. of the embodiment). The transaction processing unit 110 and the communication unit 120 are included. The data storage unit 20 is a data storage unit that stores various types of information necessary for the control unit 10 to perform information processing, and can be configured by various types of memories, for example.

  The control unit 10 can be realized, for example, by installing the transaction program of the embodiment (a program including the processing configuration of the transaction processing unit 110) or the like in an implementation configuration (computer) of a program including a processor or the like. For example, the above-described transaction program may be stored in the data storage unit 20 and read and executed by the control unit 10 when the ATM 1 is activated.

  The communication unit 120 is a network interface for connecting to the network N. The communication unit 120 can be the same as the existing ATM or the like, and will not be described in detail.

  The transaction processing unit 110 performs information processing (including information presented to the customer and processing associated with operation reception) for performing transactions with the customer, and controls each component in the ATM 1 in accordance with the transaction processing. It is.

  The user interface unit 30 is responsible for the user interface function of the ATM 1.

  It is assumed that the user interface unit 30 of this embodiment includes an operation display unit 31 and a biological information acquisition unit 32 as user interface devices.

  The operation display unit 31 can present an operation screen to the customer by using a touch panel display or the like, and can perform information output to the customer and operation reception from the customer (menu selection, amount input, number input, etc.). It is a device.

  The biometric information acquisition unit 32 as biometric information acquisition means is an interface for acquiring biometric information from a customer. In this embodiment, the biometric information acquisition unit 32 captures the customer's palm (palmprint) with a scanner 321 (see FIG. 3) disposed on the front surface of the ATM 1 and captures the captured image data (palmprint image data). It shall be held as biological information. Data processing (such as a palmprint image data generation method) performed by the scanner 321 and the biometric information acquisition unit 32 can be applied to the same device as that used in the existing palm authentication, and detailed description thereof is omitted. Information used for biometric authentication in transaction system 1000 is not limited to palm prints, and other biometric information such as fingerprints, eyeball glows, voice prints, hand veins, and the like can be applied.

  The card reader 40 reads data of a cash card inserted from the customer into the card insertion / ejection slot 401. The card reader 40 can be the same as the existing ATM or the like, and will not be described in detail.

  The printer 50 prints a statement or the like on which transaction contents are printed and discharges it from the slip discharge unit 501. Note that the printer 50 itself can be the same as the existing ATM or the like, and will not be described in detail.

  The cash processing unit 60 has a function of storing cash (banknotes and / or coins) received from a customer and a function of withdrawing the stored cash to the customer. In addition, the cash processing part 60 can apply the same thing as the existing ATM etc. In this embodiment, the cash processing unit 60 includes a banknote storage unit 610 that stores banknotes and a coin storage unit 620 that stores coins. In the banknote storage unit 610, banknotes can be deposited / withdrawn from a banknote deposit / withdrawal port 611 shown in FIG. Moreover, in the coin storage part 620, it is possible to deposit / withdraw coins from a coin deposit / withdrawal port 621 shown in FIG.

  Next, the application server 2 will be described.

  The application server 2 functions as an interface with the ATM 1 in the external system described above. The application server 2 can be constructed by installing an application program or the like in an information processing apparatus (computer) such as a PC or a workstation. Specific processing contents performed by the application server 2 will be described in detail in the operation description to be described later.

  Next, the authentication server 5 will be described.

  When at least biometric information (palm image data) is supplied from the application server 2, the authentication server 5 collates the biometric information registered in the registered authentication information storage unit 51 and returns the collation result to the application server 2. To do. The authentication server 5 can be constructed by installing an authentication processing program or the like in an information processing apparatus (computer) such as a PC or a workstation. Note that the biometric information collation process itself performed by the authentication server 5 can be applied to the same process as that of an existing biometric authentication apparatus.

  FIG. 4 is an explanatory diagram showing a configuration example of the registration authentication information storage unit 51.

  As shown in FIG. 4, the registered authentication information storage unit 51 manages biometric information and an identifier functioning as a label of the biometric information (hereinafter referred to as “biometric information identifier”) in association with each other.

  In FIG. 4, for the sake of simplicity, each biological information is represented as “biological information BD1, biological information BD2,...”, But actually, the biological information data itself and the link destination to the data (File name etc.) etc. are registered. In FIG. 4, for example, “biological information BD1” corresponds to the biometric information identifier “10001”. The format of the biometric information registered in the registered authentication information storage unit 51 is not limited as long as it can be used for authentication processing (collation processing). For example, it is extracted from palmprint image data or palmprint images. It may be feature amount data.

  Next, the DB server 4 will be described.

  When the date of birth information is input from the application server 2, the DB server 4 obtains customer information (including account information and biometric information identifier) corresponding to the date of birth from the account correspondence information storage unit 41. It detects and returns the detection result to the application server 2. The DB server 4 can be constructed, for example, by accumulating data having a data structure described later in an existing DB server.

  FIG. 5 is an explanatory diagram showing a configuration example of the account correspondence information storage unit 41.

  In the account correspondence information storage unit 41, as shown in FIG. 5, at least “account number”, “biological information identifier” of the customer of the account, and “birth date” of the customer of the account are registered for each account. Yes.

  When one date of birth information is input from the application server 2, the DB server 4 detects an account (account number) corresponding to the date of birth from the account correspondence information storage unit 41, and all the detected accounts Information related to (including the account number and biometric information identifier) is returned to the application server 2.

  As the host computer 3, for example, a host computer capable of transaction processing using ATM at an existing financial institution can be applied.

(A-2) Operation of the First Embodiment Next, the operation (including the operation of ATM1) of the transaction system 1000 of the first embodiment having the above configuration will be described.

(A-2-1) Basic Operation Sequence FIGS. 6 and 7 are sequence diagrams showing the operation of transaction system 1000 (including the operation of ATM1).

Next, the operation (including the operation of ATM1) of the transaction system 1000 according to the first embodiment having the above configuration will be described.

  6 and 7 are sequence diagrams showing the operation of transaction system 1000 (including the operation of ATM1). 6 and 7 illustrate an example in which a cardless transaction using authentication based on biometric information is performed in ATM1. In addition, in FIGS. 6 and 7, the withdrawal transaction is described as an example.

  First, a withdrawal transaction (a transaction withdrawing from the customer's account) was selected by a customer from a transaction selection screen (hereinafter referred to as a “transaction selection screen”) displayed on the operation display unit 31 of the ATM 1. Shall.

  FIG. 8 is an explanatory diagram showing a configuration example of a transaction selection screen displayed on the screen of the operation display unit 31. As illustrated in FIG. 8, buttons (buttons B <b> 101 to B <b> 103 in FIG. 8) that can accept an operation (pressing) from a customer are arranged on the screen of the operation display unit 31. In the transaction selection screen of FIG. 8, a button B101 (“withdrawal”) for starting a withdrawal transaction withdrawing from the account of the customer (for example, an account corresponding to a cash card inserted into the card reader 40) is displayed. Button), a button B102 (a button labeled "deposit") for starting a deposit transaction for depositing (depositing) into the customer's account, and a balance inquiry for inquiring the balance of the customer's account A button B103 (a button labeled “Balance inquiry”) is arranged. Here, it is assumed that the button B101 for starting the withdrawal transaction is pressed by the customer.

  When the button for starting the withdrawal transaction is pressed on the transaction selection screen, the control unit 10 of the ATM 1 allows the customer to select a transaction method (a transaction using a cash card or a cardless transaction). For this purpose (hereinafter referred to as “transaction method selection screen”) is displayed on the operation display unit 31.

  FIG. 9 is an explanatory diagram showing a configuration example of a transaction method selection screen displayed on the screen of the operation display unit 31. In the transaction method selection screen of FIG. 9, a button B201 for starting a transaction using a cash card (a button labeled “transaction using a cash card”) and a button B202 for starting a cardless transaction ( A button labeled “Cardless Transaction”). Here, it is assumed that the button B202 for starting the cardless transaction is pressed by the customer.

  When the button for starting the cardless transaction is pressed on the transaction method selection screen, the control unit 10 of the ATM 1 prompts the customer to input biometric information (hereinafter referred to as “biometric information input acceptance screen”). Is displayed on the operation display unit 31.

  FIG. 10 is an explanatory diagram showing a configuration example of a biometric information input acceptance screen displayed on the screen of the operation display unit 31. In the biometric information input acceptance screen of FIG. 10, a message prompting the customer to input biometric information (press the palm against the scanner 321 of the biometric information acquisition unit 32) (in FIG. Message ") and a transaction stop button B301 for accepting the transaction stop. Here, it is assumed that the palm is pressed against the scanner 321 of the biometric information acquisition unit 32 by the customer, and palmprint image data is acquired as the biometric information of the customer by the biometric information acquisition unit 32.

  And the control part 10 of ATM1 starts the transmission of the biometric information (palmprint image data) which the biometric information acquisition part 32 acquired while requesting the authentication process to the application server 2 (S104).

  Then, in parallel with the transmission of the biological information, the control unit 10 performs processes such as steps S106 to S109 described later.

  First, the control unit 10 of the ATM 1 causes the operation display unit 31 to display a screen (hereinafter referred to as “birth date input acceptance screen”) for allowing the customer to input the date of birth.

  FIG. 11 is an explanatory diagram showing a configuration example of a birth date input acceptance screen displayed on the screen of the operation display unit 31.

  As shown in FIG. 11, the birth date input acceptance screen includes a soft keypad K401 for inputting the date of birth, a transaction stop button B401, and a field F401 for displaying the input date of birth. Has been placed. Also, as shown in FIG. 11, on the date of birth input acceptance screen, correction for correcting the content of the date of birth that has already been entered (for example, erasing part or all of the content entered in the field F401). Button B402 is arranged. The soft keypad K401 includes “0-9”, “year”, “month”, “day”, and “confirm” buttons (input keys). Here, as an example, it is assumed that the date of birth “January 10, 20th” is input by the customer.

  The birth date input acceptance screen shown in FIG. 11 is configured to accept the birth date input in the Japanese calendar. In addition, the date of birth input acceptance screen shown in FIG. 11 does not require the input of the original name (Heisei, Showa, etc.) when accepting the date of birth. For example, when the date of birth of the customer is “January 10, 1945”, “2”, “0”, “year”, “0”, “1”, “1”, “ The buttons are pressed in the order of “month”, “1”, “0”, “day”. As described above, the date of birth input acceptance screen shown in FIG. 11 does not ask for the entry of the era when accepting the date of birth. Will be entered. In the birth date input acceptance screen shown in FIG. 11, for example, “20” is entered for both “2008” and “Showa 20”.

  In addition, a 6-digit number is entered for the date of birth. For example, in the case of August 8, 1996, “0”, “8”, “Year”, “0”, “8”, “Month”, “0”, “8”, “Day” must be specified. Try to enter the tens place.

  In addition, in ATM1 of this embodiment, although demonstrated as what makes a customer input a birth date in a Japanese calendar, you may make it input in a Western calendar. In that case, the DB server 4 side may also store the date of birth of the customer in the Christian era.

  When the date of birth is input by the customer, the control unit 10 of the ATM 1 transmits the input date of birth data to the application server 2 as information accompanying the biometric authentication request made in step S104 described above ( S106). Note that communication between the ATM 1 and the application server 2 can be performed simultaneously using a plurality of sessions through one path (transmission path) such as TCP / IP. In other words, it is assumed that the ATM 1 can transmit the date of birth date while continuing to transmit the biological information. Since the date of birth data is data of a very small size compared to the biometric information (palmprint image data), the data transfer in ATM1 can be performed in a very short time compared to the biometric information. .

  When the date of birth is supplied as data accompanying the biometric authentication request from the ATM 1, the application server 2 transfers the date of birth data to the DB server 4 and responds to the date of birth. The search for the account to be requested is requested (S107). Therefore, when viewed from ATM1, the process of step S106 described above can be said to be a process of requesting a search for a candidate account of a customer who currently uses ATM1 by using the date of birth as a key.

  When receiving the account search request, the DB server 4 detects the account information (including the account number and biometric information identifier) corresponding to the date of birth related to the search request from the account correspondence information storage unit 41. (S108), a response is made to the application server 2 (S109).

  As described above, the date of birth input acceptance screen (see FIG. 11 described above) indicated by ATM 1 has a configuration that does not require until the input of the era name when accepting the date of birth. Therefore, in the application server 2, the date of birth is verified by discarding the era part.

  Here, it is assumed that the contents of the account correspondence information storage unit 41 are the contents shown in FIG. Since the date of birth input by the customer is “January 10, 1945”, the DB server 4 has the account number “0000001” and the biometric information identifier “1001” as candidates for the customer's account. An account and an account with an account number “0000004” and a biometric information identifier “1004” are detected. Then, the DB server 4 returns the information of these two accounts (including at least the account number and the biometric information identifier) to the application server 2.

  When the transmission of the biological information by the control unit 10 of the ATM 1 (the transmission process started in step S104 described above) is completed (when the reception of the biological information is completed in the application server 2) (S110), the application server 2 Along with the authentication processing request for requesting the authentication server 5 to authenticate the customer who acquired the biometric information, the biometric information acquired from the customer and the biometric information identifier (DB server 4 corresponding to the customer's account candidate) Is transmitted to the authentication server 5 (S111).

When the authentication server 5 receives the authentication processing request, the authentication server 5 detects the biometric information corresponding to the biometric information identifier included in the supplied authentication request from the registered authentication information storage unit 51 and compares it with the supplied biometric information. Authentication processing (collation processing) is performed (S112), and the authentication result is returned to the application server 2 (S113).
As described above, here, “1001” and “1004” are transmitted from the application server 2 to the authentication server 5 as the biometric information identifiers corresponding to the customer account candidates. Therefore, the authentication server 5 extracts the biometric information BD1 corresponding to the biometric information identifier “1001” and the biometric information B4 corresponding to the biometric information identifier “1004” from the registered authentication information storage unit 51. And the authentication server 5 performs the process which tries to detect what corresponds to the said customer's biometric information from the extracted biometric information BD1 and BD4, and determines that the authentication has succeeded only when the match can be detected. Then, the authentication server 5 returns a biometric information identifier “1001” that has been successfully authenticated to the application server 2 as an authentication result, together with a successful authentication.

  Here, the authentication server 5 performs the following description on the assumption that the biometric information acquired from the customer matches the biometric information BD1. If the authentication server 5 fails to detect the biometric information obtained from the customer, it is determined that the authentication has failed, and the fact is transmitted to the ATM 1 via the application server 2. You may do it. Then, in the case of authentication failure, ATM1 may cancel the cardless transaction with the customer.

  Then, in the application server 2 that has received the authentication result (including the biometric information identifier) indicating that the authentication is successful, the customer account is identified from the customer account candidates based on the biometric information identifier included in the authentication result. Then, the account number of the specified account is notified to ATM1 (S114).

  Here, as described above, since the biometric information identifier “1001” is included in the authentication result, the application server 2 can identify the account of the customer as the account with the account number “0000001”. If the customer's account can be identified as the account with the account number “0000001”, the customer is prompted to confirm the transaction on the operation display unit 31 by performing the transaction with the account with the account number “0000001”. It may be.

  Moreover, you may make it display the account number of the account which trades on the screen which receives the input of the PIN code mentioned later.

  In addition, although the sequence diagram shown in FIG. 7 describes the operation when one customer owns only one account, one customer may own multiple accounts. obtain. When one customer owns a plurality of accounts, a plurality of matching biometric information identifiers are detected in the process of step S112, and a plurality of accounts of the customer are specified in the above-described step S114. In this case, it is assumed that the authentication server 5 also supplies the application server 2 with information on a plurality of detected biometric information identifiers together with the authentication result of the authentication success. Then, it is assumed that processing for causing the customer to select one account is performed by the ATM 1, and details of an example in the case where one customer owns a plurality of accounts will be described later.

  On the other hand, in parallel with the processing of steps S106 to S114 described above, the control unit 10 of the ATM 1 performs processing (S115) for receiving an input of the withdrawal amount (transaction amount) from the customer. The reason for inputting the withdrawal amount before specifying the account is to secure the time for transmitting the biometric information as much as possible.

  The control part 10 of ATM1 performs the process (S116) which receives the input of a PIN code after account specification.

  FIG. 12 shows a configuration example of a screen (hereinafter referred to as “withdrawal amount input acceptance screen”) displayed on the operation display unit 31 by the control unit 10 of the ATM 1 when receiving an input of the withdrawal amount from the customer. It is explanatory drawing. As shown in FIG. 12, the withdrawal amount input acceptance screen includes a soft keypad K501 for inputting the withdrawal amount, a transaction stop button B501, and a field F501 for displaying the entered withdrawal amount. Has been placed. The soft keypad K501 includes “0-9” and “OK” buttons (input keys). As shown in FIG. 12, a correction button B502 for correcting the amount already input (for example, erasing part or all of the content input in the field F501) is arranged on the withdrawal amount input acceptance screen. Has been.

  FIG. 13 is an explanatory diagram showing a configuration example of a screen (hereinafter referred to as “password input reception screen”) displayed on the operation display unit 31 by the control unit 10 of the ATM 1 when receiving an input of the password from the customer. It is. As shown in FIG. 13, in the password input acceptance screen, a soft keypad K601 for inputting a password, a transaction stop button B601, and a field F601 for displaying the number of digits of the entered password are displayed. Has been placed. The soft keypad K601 includes input keys (buttons) “0 to 9”, “correction”, and “confirmation”. In addition, as shown in FIG. 13, a correction button B602 for correcting the already input password (for example, erasing part or all of the already input number) is arranged on the password input acceptance screen. Yes.

  When the personal identification number is input, the control unit 10 of the ATM 1 transmits the input personal identification number to the application server 2 and makes an authentication request using the personal identification number (S117).

  When the application server 2 receives the authentication request with the password from the ATM 1, the application server 2 sends an authentication request (authentication request using the password) for performing the transaction for the account with the account number specified in the above step S114. (S118).

  Then, the host computer 3 performs authentication processing (collation processing with a personal identification number corresponding to the stored account number) based on the account number and personal identification number included in the authentication request received from the application server 2. . Then, the host computer 3 returns an authentication result to the ATM 1 via the application server 2 (S119). Here, it is assumed that the authentication process (authentication process using a personal identification number) by the host computer 3 is successful.

  When the authentication result that the authentication process using the password is successful is obtained, the control unit 10 of the ATM 1 sends a transaction process request (request for transaction process of withdrawal transaction) to the host computer 3 via the application server 2. Perform (S120).

  The host computer 3 that has received the transaction processing request performs the transaction processing based on the request, and returns the processing result to the ATM 1 via the application server 2 (S121). Here, it is assumed that transaction processing (withdrawal transaction processing) by the host computer 3 is successful.

  And if the processing result of transaction processing success is obtained, the control part 10 of ATM1 will discharge | emit the cash accompanying the said withdrawal transaction from the cash processing part 60, and also will discharge | emit the slip which printed the transaction content with the printer 50. The transaction process is terminated (S122).

  And the control part 10 of ATM1 will display a transaction selection screen on the operation display part 31, and will be in the state in which the next transaction reception is possible, if transaction processing is complete | finished (S123).

(A-2-2) Processing in the case where a customer to trade has a plurality of accounts As described above, FIG. 7 illustrates an example in which a customer to trade has only one account. Next, when the customer to be traded has a plurality of accounts, the sequence diagram of FIG. 14 is used for an example of a process (a process corresponding to step S114 described above) for identifying an account to be traded by the application server 2. I will explain. When the customer to trade has a plurality of accounts, the process in step S114 in FIG. 7 described above is replaced with the process in FIG.

  When a plurality of biometric information identifiers are supplied from the authentication server 5 to the application server 2 by the processing in step S113 described above together with the authentication result indicating that the authentication is successful, the application server 2 has a plurality of accounts for the customer. It can be determined that it is in progress (S201).

  If the application server 2 determines that the customer has a plurality of accounts, the application server 2 requests the ATM 1 to perform processing for causing the customer to select an account to be traded this time (S202). In step S202 described above, the application server 2 also transmits the account numbers of the plurality of accounts described above to ATM1.

  When receiving the account selection processing request, the control unit 10 of the ATM 1 causes the customer to select one of the plurality of accounts notified from the application server 2 (hereinafter referred to as “account selection reception screen”). Is displayed on the operation display unit 31 (S203).

  FIG. 15 is an explanatory diagram showing a configuration example of an account selection reception screen displayed on the screen of the operation display unit 31.

  As shown in FIG. 15, in the account selection reception screen, a plurality of buttons (buttons displaying account numbers) corresponding to each account (account number) are arranged, and the control unit 10 selects the account corresponding to the pressed button. (Account number) is treated as being the account selected by the customer. In FIG. 15, as an example, regarding a state in which buttons B701 (buttons displayed as “account number: 0000001”) and B702 (buttons displayed as “account number: 0000005”) corresponding to each of the two accounts are arranged. Show. For example, when the button B701 displayed as “account number: 0000001” is pressed on the account selection acceptance screen of FIG. 15, the control unit 10 determines that the account with the account number “0000001” is selected.

  Then, the control unit 10 of the ATM 1 notifies the application server 2 of the account number of the account selected by the customer (S204).

  Thereby, in the application server 2, one account used for this transaction can be specified (S205). Since the subsequent processing is the same as that in FIG. 7 described above, detailed description thereof is omitted.

(A-2-3) Processing when transaction is canceled Next, processing when a transaction is canceled during a transaction with a customer at ATM1 will be described.

  In the following, a case where a transaction stop occurs during transmission of biometric information acquired from a customer from the ATM 1 to the application server 2 (before completion of transmission) and a case where a transaction stop occurs after completion of transmission will be described.

  First, a process when transaction stoppage occurs during transmission of biometric information acquired from a customer from ATM 1 to application server 2 will be described with reference to FIG.

  In ATM1, if a transaction cancellation occurs during the transaction with the customer during the transmission of the biometric information (when the transaction cancellation button is pressed on any screen) (S301), the control unit 10 of ATM1 displays the application server 2 The transmission of the biometric information to is stopped (S302). Then, the control unit 10 of the ATM 1 requests the application server 2 to cancel the transaction (S303).

  When the transaction stop request is notified, the application server 2 performs a transaction stop process (S304). The transaction cancellation process in step S304 includes a process of stopping the reception of biometric information. At this point, since the application server 2 has not received the biometric information, a part of the received data is discarded.

  Then, the application server 2 transmits a notification to the effect that the transaction cancellation process is completed to the ATM 1 (S305). When the notification that the transaction cancellation process is completed is received, the control unit 10 of the ATM 1 displays a transaction selection screen on the operation display unit 31 and shifts to a state in which the next transaction can be accepted (S306).

  Next, processing when a transaction stop occurs after completion of transmission of the biometric information acquired from the customer from the ATM 1 to the application server 2 will be described with reference to FIG.

  In ATM1, when the transaction cancellation occurs during the transaction with the customer after the transmission of the biometric information is completed (S401), the control unit 10 of ATM1 requests the application server 2 to cancel the transaction (including a biometric information deletion request) ( S402).

  When the transaction stop request is notified, the application server 2 performs a transaction stop process (S403). The transaction cancellation process in step S403 includes a process of deleting (discarding) the stored biometric information.

  Then, the application server 2 transmits a notification to the effect that the transaction cancellation process is completed to the ATM 1 (S404). When the notification that the transaction cancellation process is completed is received, the control unit 10 of the ATM 1 causes the operation display unit 31 to display a transaction selection screen and shifts to a state where the next transaction can be accepted (S405).

  In addition, when transaction cancellation occurs before ATM1 starts transmitting biometric information to the application server 2, the process accompanying transaction cancellation may be performed only within ATM1.

(A-3) Effects of First Embodiment According to the first embodiment, the following effects can be achieved.

  In the transaction system 1000 of the first embodiment, even when biometric authentication is performed with a large amount of processing (amount of information processing) associated with authentication processing, a candidate for an account number (transaction identifier) is detected for a customer who uses ATM1. By inputting the date of birth as possible search key information, the number of pieces of biometric information required for verification is reduced, and the time required for the authentication process is shortened.

  Further, in the transaction system 1000 according to the first embodiment, even when biometric authentication is performed with a large amount of data used for authentication processing, in ATM1, data (biological information) used for authentication processing is transmitted to the customer in parallel. Since the input operation such as the date of birth is executed, it is possible to shorten the time for which the customer is just waiting. In other words, biometric information takes a long time to transmit because it has a large amount of data. Therefore, by sending biometric information to the application server 2 ahead of other information (birth date information, etc.), the customer can proceed with transaction processing while sending biometric information. The occupying time of ATM1 can be shortened.

  Furthermore, in the transaction system 1000 according to the first embodiment, even if the customer has a plurality of accounts, in the cardless transaction, since the process for causing the customer to select an account to be used for the current transaction is performed, the transaction is easily performed. It is possible to carry out a transaction by specifying an account used for.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction equipment according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

  In the first embodiment, the ATM 1 uses the customer's date of birth to extract the customer's account candidates. In the second embodiment, the ATM 1 is allocated for each account instead of the date of birth. A description will be given assuming that an individual identifier (hereinafter referred to as “individual ID”) is used. This individual ID is an identifier different from the account number allocated for each account. The individual ID may be any content that is easy for a customer to remember, but in the following, the individual ID is assumed to be unique for each account. That is, hereinafter, the individual ID will be described assuming that different contents are set for each account. That is, in the DB server 4 of the second embodiment, individual IDs having different contents are set for each account. However, it is desirable for the individual ID to have a format that is easier for the customer to remember than the account number itself, such as using digits less than the account number.

  In the second embodiment, the contents of the account correspondence information storage unit 41 registered in the DB server 4 are as shown in FIG. In the account correspondence information storage unit 41 of the second embodiment shown in FIG. 18, for each account, an “account number”, a “biometric information identifier” of the customer of the account, and an “individual ID” of the customer of the account are registered. ing. That is, in the account correspondence information storage unit 41 of the second embodiment, the date of birth information of the first embodiment is replaced with an individual ID.

  In the first embodiment, the date of birth is input to the customer in step S105 described above, but in the second embodiment, the process is replaced with a process of inputting an individual ID. In the second embodiment, when the customer inputs an individual ID, the control unit 10 of the ATM 1 prompts the customer to input the individual ID as shown in FIG. 19 (hereinafter referred to as “individual ID input screen”). ) Is displayed on the operation display unit 31.

  As shown in FIG. 19, on the individual ID input acceptance screen, a soft keypad K801 for inputting a personal identification number, a transaction stop button B801, and a field F801 for displaying the input individual ID are arranged. Yes. The soft keypad K801 includes “0-9” and “OK” buttons (input keys). Further, as shown in FIG. 19, a correction button B802 for correcting the individual ID (for example, erasing part or all of the contents input in the field F801) is already arranged on the individual ID input acceptance screen. .

  In the first embodiment, since the date of birth of the customer is used to narrow down the candidates for the account to be subjected to the biometric authentication process, when performing the biometric authentication process, the biometric information acquired from the customer is converted into a plurality of biometric information. It is necessary to collate with information (authentication information registered in the registered authentication information storage unit 51). However, in the second embodiment, biometric authentication processing is performed in order to narrow down the candidates for the target of biometric authentication processing using an individual ID that can specify one account for a customer who uses ATM1. At this time, the authentication process can be performed only by comparing the biometric information acquired from the customer with only one biometric information.

  Further, in the first embodiment, when a customer owns a plurality of accounts, it is necessary to execute a process (sequence in FIG. 14 described above) that allows the customer to select which account is used for the transaction. However, in the second embodiment, since the candidate accounts to be subjected to biometric authentication processing are narrowed down, it is possible to realize a reduction in transaction time or the like as compared with the first embodiment.

(C) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(C-1) In each of the above embodiments, an example in which the transaction apparatus of the present invention is applied to an ATM has been described. However, the transaction apparatus may be applied to other transaction apparatuses. For example, the present invention can be applied to a system for performing a transaction in which electronic money or the like is charged (deposited) into a customer's account, or a transaction in which electronic money is withdrawn from a customer's account and a product (for example, a ticket such as transportation) is sold .

(C-2) In the ATM of the above embodiment, in parallel with biometric authentication processing (authentication information transmission, authentication processing, etc.), the customer is requested to input transaction information such as the transaction amount and password. However, some or all items of the transaction information may be requested to be input after the biometric authentication process.

(C-3) The ATM of each of the above embodiments supports both cardless transactions and transactions using cash cards, but may be constructed as an ATM that supports only cardless transactions.

  1000 ... Trading system, 1 ... ATM, 2 ... Application server, 3 ... Host computer, 4 ... DB server, 41 ... Account correspondence information storage unit, 5 ... Authentication server, 51 ... Registration authentication information storage unit, 10 ... Control unit, DESCRIPTION OF SYMBOLS 110 ... Transaction processing part, 120 ... Communication part, 20 ... Data storage part, 30 ... User interface part, 31 ... Operation display part, 32 ... Biometric information acquisition part, 321 ... Scanner, 33 ... Speaker, 40 ... Card reader, 50 ... printer, 60 ... cash processing department, N ... network.

Claims (5)

In a transaction apparatus capable of performing a transaction with a user without using a medium in which information related to the transaction is recorded,
Biometric information acquisition means for acquiring biometric information from the user;
The transaction processing is performed with the user, and after accepting the selection of the transaction type from the user, either the first transaction method with biometric authentication or the second transaction method without biometric authentication. A transaction processing unit that accepts the selection of the transaction method from the user and causes the biometric information acquisition unit to acquire biometric information from the user when the first transaction method is selected by the user;
Biometric information requesting means for transmitting biometric information acquired by the biometric information acquiring means to an external system and requesting biometric authentication of the user;
In parallel with the transmission of the biometric information by the biometric authentication requesting means, search information input means that allows the user to input search key information that can detect biometric information identifier candidates of the user;
In parallel with the transmission of the biometric information by the biometric authentication requesting unit, the search key information input by the search information input unit is transmitted to the external system, whereby the search key information is used for the external system. The biometric information identifier candidates are searched for, and after the biometric information transmission by the biometric requesting means is completed, the biometric information corresponding to the user biometric identifier candidates and the biometric information transmitted by the biometric requesting means are displayed. and a retrieval key information transmitting means for executing a biometric authentication process based,
When the first transaction method is selected , the transaction processing means performs the transaction process with the user only when the external system succeeds in the biometric authentication process, and the biometric authentication request means transmits the transaction to the external system. On the other hand, after the transmission of biometric information is started, it is possible to accept input of transaction information related to the transaction from the user .   2. The transaction apparatus according to claim 1, wherein the search key information includes information on a date of birth of the user. The system according to claim 1, further comprising selection means for allowing the user to select a transaction identifier to be used for the current transaction when receiving notification from the external system that the user owns a plurality of transaction identifiers. 2. Transaction apparatus according to 2 . The biological authentication request means, transactions according to the image information obtained by imaging a part of the body the user, any one of claims 1-3, characterized in that transmitted to the external system as a biometric information apparatus. The transaction processing means performs a transaction related to an account of a financial institution,
The transaction apparatus according to claim 3 , wherein the transaction identifier is an account number for identifying an account.

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