JP7549548B2 - Automatic transaction device, automatic transaction system, and identity verification method using automatic transaction device - Google Patents

Description

The present invention relates to an automated teller machine, an automated teller system, and a method of identity verification using an automated teller machine.

In recent years, following amendments to the Act on Prevention of Transfer of Criminal Proceeds, methods of identity verification using automated teller machines (ATMs) and other methods are being considered in addition to identity-restricted mail and face-to-face identity verification at counters.

JP 2005-182398 A (Patent Document 1) is a technology for identity verification at an automated teller machine (ATM) on the floor of a financial institution. This publication states that "an automated teller machine that performs transactions by user operation, a card reader that detects a user who comes to perform a transaction and reads account information from a transaction medium held by the user, a face image database that stores face images of account holders in correspondence with the account information, a user photographing camera that photographs the face of a user who comes to perform a transaction, and an identification device that identifies the user, and when the identification device receives the account information from the card reader as a read result, it photographs the face of the user with the user photographing camera to obtain the user's face image and also obtains a face image corresponding to the account information from the face image database, and identifies whether the user is an account holder by comparing the feature points of each face image, and transmits the identification result and the account information to the automated teller machine."

JP 2005-182398 A

In conventional technology, identity verification is performed using an ATM, but it is not user-friendly because it does not prompt identity verification within a certain period of time. This is because in recent years, there has been an increasing need to perform identity verification within a certain period of time, and there is a demand for efficient identity verification that reduces the burden and costs of counter service and restricted mail. However, in Patent Document 1, identity verification cannot be performed efficiently within a specified period of time.

The present invention has been made in consideration of the above problems, and its purpose is to provide an automated teller machine, an automated teller system, and a method of identity verification using an automated teller machine that are easy to use.

To solve the above problem, the automated teller machine according to the present invention includes a control unit, a communication unit, and a user interface unit. When the control unit receives a request for a specific transaction from a user, it inquires of an identity verification server via the communication unit whether identity verification is required to carry out the specific transaction, and if the identity verification server determines that identity verification is required within a specific period of time, it causes the user interface unit to present information prompting the user to verify their identity.

According to the present invention, an automated teller machine can present information to a user prompting them to verify their identity when identity verification is required within a specified period of time, thereby improving usability.

1 is a diagram showing the configuration of an entire system including an automated teller machine (ATM). 13 is an example of a customer information table. 13 is an example of a personal identification result management table. 13 is a flowchart showing a process for setting an identity verification deadline. 1 is a flowchart showing the overall processing of an ATM. 13 is a flowchart showing a withdrawal process as the "predetermined process". 10 is a flowchart showing a process for determining whether or not identity verification is required in an identity verification server. 13 is an example of a screen including information prompting a user to verify his/her identity. 11 is a flowchart showing a personal identification process at an ATM. 10 is a flowchart showing an identity verification process in an identity verification server. FIG. 11 is an overall configuration diagram of an automated cash transaction system according to a second embodiment. 13 is a flowchart showing an identity verification process at an ATM. FIG. 11 is an explanatory diagram according to a third embodiment.

Below, an embodiment of the present invention will be described based on the drawings. In this embodiment, the user's identity is verified using an ATM within a predetermined period. The predetermined period is a period during which the user's identity can be verified. The predetermined period is, for example, a guidance period. The predetermined period may include the period from the end of the guidance period to the expiration date of the identity verification. Even if the expiration date of the identity verification has passed, a predetermined grace period may be set. In this embodiment, each time a user uses an ATM, it is determined whether the user is within the predetermined period for identity verification, and if the user is within the predetermined period, information prompting the user to verify the identity is presented. The user who sees the information may verify the user's identity via the ATM on the spot, or may verify the user's identity via the ATM at a later date. Until the user performs identity verification, information prompting the user to verify the identity is presented each time the user uses the ATM. Therefore, the user can perform identity verification without forgetting, and the convenience of user management is improved for the financial institution that operates the ATM. In this way, in this embodiment, identity verification can be efficiently performed during a predetermined period.

A first embodiment will be described with reference to Figures 1 to 10. In this embodiment, an ATM will be used as an example of an automated teller machine. In this embodiment, when a financial institution adopts an operation in which identity verification is performed at least once within a specified period when managing users (customers), the financial institution and the user can efficiently perform identity verification procedures by appropriately using ATM1. In other words, when a user uses ATM1, if certain conditions are met, identity verification at ATM1 is prompted, thereby reducing the burden on both the financial institution and the user. In other words, the need to deal with identity verification at the counter or by sending restricted mail can be reduced.

Figure 1 shows an example of the overall system configuration of this embodiment. The automated cash transaction system includes, for example, an ATM 1, a personal identification server 2, an accounting system host 3, and an operator terminal 4. Multiple ATMs 1 and multiple operator terminals 2 may be included in the automated cash transaction system. Each of the devices 1 to 4 is configured using a computer, and is connected to enable two-way communication via a communication line CN.

The ATM 1 includes, for example, a microprocessor (CPU in the figure) 101, a memory 102, a communication interface unit 103, a user interface unit 104, and an ATM mechanism unit 105. The "control unit" is mainly composed of the microprocessor 101 and the memory 102. The ATM 1 is connected to a communication line CN using the communication interface unit 103.

The user interface unit 104 has an information input unit into which information is input by the user, and an information output unit that provides information to the user. The information input unit is, for example, a touch panel. The information output unit is, for example, a monitor display, a printer, etc.

The ATM mechanism unit 105 is a mechanism unit necessary to realize the functions of an ATM, and includes, for example, a card/statement mechanism unit, a bill deposit/withdrawal mechanism unit, a coin deposit/withdrawal mechanism unit, a passbook printing mechanism unit, a camera, etc.

The main functions of ATM1 include an ATM function execution unit 110 and a personal identification information acquisition unit 120.

The ATM function execution unit 110 is a function that allows users who are customers of financial institutions to carry out cash transactions, etc., using a cash card or a bankbook. The identity verification information acquisition unit 120 is a function that supports online identity verification in accordance with the Act on Prevention of Transfer of Criminal Proceeds.

The ATM function execution unit 110 realizes functions such as a card reader function that reads data from cash cards, etc., a passbook processing function, a cash handling function, a statement printing function, a customer operation function, and a maintenance staff function.

The personal identification information acquisition unit 120 acquires information from the IC chip in the personal identification medium IVM with a face photo brought by the user. When the user inserts the personal identification medium IVM into a designated slot in the ATM mechanism unit 105 or holds it over a designated contactless reader and enters a PIN number from the touch panel, the personal identification information acquisition unit 120 acquires personal identification information including the user's face image data from the IC chip.

Examples of identity verification media IVM include driver's licenses, driving history certificates, My Number cards, residence cards, and special permanent resident cards. Even if a document does not have an IC chip built in, it can be used if it has a photograph of the person's face attached and is recognized as an identity verification medium IVM by the financial institution.

When performing identity verification, the identity verification information acquisition unit 120 transmits the user's facial image data read from the identity verification medium IVM and the user's facial image data captured by the camera of the ATM mechanism unit 105 to the identity verification server 2.

The identity verification server 2 includes, for example, a microprocessor 201, a memory 202, and a communication interface unit 203. The main functions of the identity verification server 2 include an identity verification information management unit 210 and an identity verification result management table 220.

The identity verification information management unit 210 obtains information from the customer information table 310 from the accounting system host 3, and determines whether the user performing a transaction at the ATM 1 is a user who requires identity verification (re-identification; the same applies below). If the user requires identity verification, the identity verification information acquisition unit 120 obtains the results of the identity verification, registers the verification results from the operator terminal 4, and sends the obtained information to the accounting system host 3 to be reflected in the customer information table 310.

The identity verification result management table 220 manages the information obtained by the identity verification information management unit 210.

At least a portion of the data or computer program stored in the identity verification server 2 can be transferred to and stored in the storage medium MM. Alternatively, the data or computer program stored in the storage medium MM can be transferred to and stored in the memory 202 of the identity verification server 2. The storage medium MM is configured as a rewritable non-volatile medium, such as a flash memory, a hard disk, or an optical disk.

The accounting system host 3 is a host computer on which the financial institution's accounting system (not shown) runs. The accounting system host 3 includes, for example, a microprocessor 301, a memory 302, and a communication interface 303.

The main function of the accounting system host 3 is the customer information table 310. The customer information table 310 is a customer information table used in the accounting system, and its details will be described later in Figure 2.

The operator terminal 4 is a computer that checks the results of identity verification performed by the identity verification server 2 and performs any necessary corrections, and is equipped with, for example, a microprocessor 401, a memory 402, and a communication interface unit 403.

The operator terminal 4 has a correction/confirmation unit 410 that allows the operator to determine and register the identity verification result (OK or NG) by referring to the identity verification result management table 220 and comparing the user's identity verification information acquired by the ATM 1 with the information acquired from the customer information table 310.

The operator uses the correction/confirmation unit 410 to refer to cases requiring a final identity verification decision from the identity verification result management table 220, and compares the information stored in the customer information table 31 with the identity verification information acquired by the ATM 1. The operator then uses the correction/confirmation unit 410 to check for changes in attribute information such as the address, and further compares the facial image data of the user's face with the facial image data (face photo) stored on the identity verification medium. For cases requiring a final decision, if the operator can identify the user, the operator judges the case as "OK", otherwise the operator judges it as "NG".

The communication line CN connects the accounting system host 3 and the ATM 1 as an accounting system. In addition, the accounting system host 3, the identity verification server 2, and the operator terminal 4 are connected to the communication line CN as an information system.

Figure 2 shows an example of a customer information table 310 that is master-managed by the accounting system host 3. A customer is a customer of a financial institution, and is a user who uses an ATM 1.

The customer information table 310 includes, for example, branch number 311, subject 312, account number 313, account holder name 314, date of birth 315, address 316, risk assessment 317, last identity verification date 318, and last identity verification medium expiration date 319.

Branch number 311 indicates the branch number of an account held by the user (customer; the same applies below). Subject 312 indicates the subject of an account held by the user. Account number 313 indicates the account number of an account held by the user. Account holder name 314 indicates the name of the account holder held by the user. Date of birth 315 indicates the date of birth of the account holder held by the user. Address 316 indicates the address of the account holder held by the user.

The risk assessment 317 is a value set by the financial institution for the user, and indicates the rank of risk. The risk assessment is set to multiple values according to the level of risk, such as high level (H), medium level (M), and low level (L). It may be a two-level risk assessment, or a four or more level risk assessment.

The last identity verification date 318 indicates the date when the user last verified his/her identity at a financial institution, i.e., the most recent date. The last identity verification medium expiration date 319 indicates the expiration date of the identity verification medium IVM used the last time the user verified his/her identity at a financial institution. Examples of the last identity verification medium expiration date 319 include the expiration date of a driver's license and the expiration date of a residence card.

Figure 3 shows an example of the identity verification result confirmation table 320 held by the identity verification server 2. The identity verification result management table 320 includes, for example, a branch number 321, a subject 322, an account number 323, an identity verification deadline 324, a facial recognition image 326, an identity verification implementation date 327, and an identity verification result 328.

Branch number 321, subject 322, and account number 323 are the same as branch number 311, subject 312, and account number 313 in customer information table 310, respectively, and are used as keys to identify the user's account.

The identity verification deadline 324 is a deadline calculated by the processing of the identity verification server 2 described below, and is the deadline by which identity verification is required. In FIG. 4 described below, the value of the identity verification deadline 324 is referred to as the identity verification deadline Ta.

Card face image 325 is a file address that identifies the card face image held by the identity verification medium obtained by ATM1.

Facial recognition image 326 is a file address that identifies image data captured by ATM1's camera of the face of the user operating ATM1.

The identity verification date 327 indicates the date on which the user performed identity verification using the ATM 1 and the result of the identity verification was approved by the operator terminal 4.

The identity verification result 328 indicates the result (OK or NG) of the identity verification performed by the user using the ATM 1 and confirmed by the operator terminal 4.

Figure 4 is a flowchart showing the process of setting the identity verification deadline. This process is executed by identity verification server 2.

The identity verification server 2 refers to the customer information table 310 of the accounting system host 3 for each target user (S11) and checks whether the previous identity verification medium expiration date Te is set in the customer information table (S12). The previous identity verification medium expiration date Te is the expiration date of the identity verification medium confirmed at the time of the previous identity verification.

If the previous identity verification medium expiration date Te is set in the table 310 (S12: YES), the identity verification server 2 proceeds to step S13; if it is not set (S12: NO), the identity verification server 2 proceeds to step S17.

The identity verification server 2 calculates the maximum expiration date Th by adding the previous identity verification cycle to the previous identity verification date (S13), and compares the expiration date Te set in table 310 with the maximum expiration date Th (S14). The identity verification cycle is set according to the user's risk assessment value. For example, when the risk assessment value is high (assessment value H), the identity verification cycle is one year, when the risk assessment value is medium (assessment value M), the identity verification cycle is two years, and when the risk assessment value is low (assessment value L), the identity verification cycle is three years. The relationship between the risk assessment value and the identity verification cycle is not limited to the above example.

The identity verification server 2 adopts the previous identity verification medium expiration date Te or the maximum expiration date Th, whichever is shorter, as the identity verification deadline Ta (S15 to S17). If the previous identity verification medium expiration date Te is earlier than the maximum expiration date Th (S15: YES), the identity verification server 2 sets the previous identity verification medium expiration date Te as the identity verification deadline Ta (S16).

If the maximum deadline Th is earlier than the previous personal identification medium expiration date Te (S15: NO), the personal identification server 2 sets the maximum deadline Th to the personal identification medium expiration date Ta (S17). If the personal identification medium expiration date Te is not set in the customer information table 310 (S12: NO), the personal identification server 2 sets the maximum deadline Th to the personal identification medium expiration date Ta (S17).

Figure 5 is a flowchart showing an overview of the processing of the ATM 1. The ATM 1 displays a menu via the user interface unit 104 (S21). The user selects one of the displayed menus (S22). The menus include, for example, "Withdrawal" (S23), "Deposit" (S24), "Transfer" (S25), "Balance Inquiry" (S26), Passbook Entry (S27), and Identity Verification (S28). The menu items are not limited to the above examples.

Among the menus presented to the user, certain menu items are preset as "specified transactions". For example, "withdrawal" and "transfer" may be set as specified transactions that require periodic identity verification. Which menu items are "specified transactions" can be set by the financial institution. Furthermore, the transaction amount may be taken into consideration when determining whether a transaction is a "specified transaction". For example, if the total transaction amount within a certain period of time exceeds a specified amount, identity verification may be requested.

"Identity Verification" in the ATM1 menu is a menu item that allows a user to verify their identity with a financial institution using ATM1. Details will be given later.

Figure 6 is a flowchart showing the withdrawal process as an example of a "predetermined transaction." A user selects "withdrawal" to withdraw cash, and inserts a cash card into a card insertion slot (not shown) of the ATM mechanism unit 105.

The ATM 1 detects the insertion of a cash card (S31) and acquires the PIN number entered by the user through the user interface unit 104 (S32). Furthermore, the ATM 1 acquires the withdrawal amount entered by the user (S33).

The ATM 1 requests the identity verification server 2 to determine whether identity verification is required for the user attempting to withdraw cash (S34). The necessity determination process in the identity verification server 2 will be described later with reference to FIG. 7.

When the ATM 1 receives the judgment result from the identity verification server 2 (S35), it determines whether identity verification is required before carrying out the transaction (S36).

When the ATM1 determines that identity verification is necessary (S36: YES), it either performs identity verification or presents the user with a screen G1 from the user interface unit 104 to inform the user that identity verification is required (S37).

Figure 8 is an example of screen G1 presented to the user by ATM1. Screen G1 displays a message GP11 such as "The date for identity verification is approaching. If you have one of the following identity documents with your photograph, you can complete identity verification at the ATM... Would you like to complete identity verification?" along with buttons GP12 and GP13 for instructing whether or not to complete identity verification.

If a user has an identity verification medium (IVM) such as a driver's license, My Number card, or residence card and wishes to have their identity verified, they can immediately complete the identity verification procedure with the financial institution at ATM 1. The identity verification process using ATM 1 will be described later in Figures 9 and 10.

If the ATM1 determines that identity verification is not required (S36: NO), it withdraws the amount specified by the user (S38) and returns the cash card (S39). Even if the user does not wish to verify the user's identity (if the "No" button GP12 on screen G1 is pressed by the user), the ATM1 can also withdraw the amount specified by the user (S38) and return the cash card (S39).

It is possible to set in advance whether or not identity verification is mandatory for a given transaction based on the time remaining until the identity verification deadline Te or the time elapsed since the identity verification deadline Te and the user's risk assessment value. For example, if the risk assessment value is low, the given transaction may be carried out even if the identity verification deadline Te has passed a little. If the risk assessment value is high, the ATM1 may not need to carry out a transaction with the user if the time remaining until the identity verification deadline Te falls below a specified time.

Figure 7 is a flowchart of the process by which the identity verification server 2 determines whether identity verification is required. The ATM 1 obtains account information (branch number, subject, account number) from the cash card inserted by the user and sends it to the identity verification server 2. The identity verification server 2 searches the identity verification result management table 220 using the account information received from the ATM 1 as a key (S41). That is, when the identity verification server 2 receives a determination request from the ATM 1 that includes account information (branch number, subject, account number) for identifying the user to be determined, it searches the identity verification result management table 220 and identifies the relevant record (S41).

The identity verification server 2 determines whether today is the notification period (S42). In other words, the identity verification server 2 determines whether the date on which the ATM 1 requested a determination as to whether identity verification is required is within the notification period (S42).

The notification period is a period that begins a specified number of days before the identity verification deadline Ta. The end of the notification period may be the last day of the identity verification deadline Ta, or may be the day from the last day of the identity verification deadline Ta until a specified grace period has elapsed. For example, the notification period is set to a few days, a dozen days, or a few weeks before the identity verification deadline Ta.

If the identity verification server 2 determines that today is within the notification period (S43: YES), it determines that identity verification is necessary (S44: YES). On the other hand, if the identity verification server 2 determines that today is not within the notification period (S44: NO), it determines that identity verification is not necessary (S45).

Figure 9 is a flowchart showing the process when a user uses ATM1 to verify their identity.

When a user uses ATM1 to authenticate himself/herself, he/she selects the type of identity verification medium to be used. ATM1 acquires the type of identity verification medium (S51) and detects that the identity verification medium has been inserted into ATM1 (S52).

The ATM1 determines whether the personal identification medium has an IC chip (S53), and if the personal identification medium has an IC chip (S53: YES), obtains the PIN entered by the user (S54) and reads the card face data from the IC chip (S55). If the card face data exists on both the front and back, the ATM1 obtains the PIN for the front to obtain the card face data on the front side, and obtains the PIN for the back to obtain the card face data on the back side.

The ATM 1 photographs the user's face with a camera, performs facial authentication using the facial photo data from the card face data (S56), and requests identity verification by sending the photographed facial image data, card face data (including data on the user's facial photo), and the facial authentication results to the identity verification server 2 (S57).

On the other hand, if the user's identity verification medium does not have an IC chip built in (S53: NO), or if the user has forgotten the PIN number for the IC chip and the ATM 1 is unable to obtain the correct PIN number (S54: NO), the ATM 1 will use a built-in scanner or camera to obtain digital data including the text and photo on the card (S58). Alternatively, the ATM 1 can display a message on the user interface unit 104 or provide audio guidance to guide the user to a manned counter and encourage identity verification there.

Figure 10 is a flowchart showing the identity verification process in the identity verification server 2. When the identity verification server 2 receives data from the ATM 1 (S61), it obtains customer information about the user who is the subject of identity verification from the customer information table 310 of the accounting system host 3 (S62). The order of steps S61 and S62 may be reversed.

The identity verification server 2 determines whether verification by the operator terminal is required (S63), and if it determines that verification is required (S63: YES), it transmits data in response to a request from the operator terminal 4 (S64).

Although not shown in the figure, the operator uses the operator terminal 4 to access the identity verification server 2 and obtain data on the case requiring verification. The operator determines whether the target user is the intended user by comparing the facial authentication results performed at the ATM 1 and the facial photograph recorded on the identity verification medium with the facial image captured at the ATM 1, and by checking the card face data on the identity verification medium. In the case of digital data obtained by photographing or scanning the card face, the operator determines whether the character recognition of the digital data is correct, and manually corrects the character recognition if it is incorrect. The operator then transmits the determination result to the identity verification server 2.

When the identity verification server 2 receives the operator's judgment result from the operator terminal 4 (S65), it transmits the confirmed identity verification result to the accounting system host 3 and updates the customer information table 310 (S66).

The identity verification server 2 sends an email to the user terminal of the target user (for example, user terminal 5 described later in FIG. 11) to notify the user that identity verification has been completed (S67). Therefore, the user who has completed the online identity verification procedure using ATM 1 receives the result of identity verification from identity verification server 2 after the online procedure. The user does not need to wait near ATM 1 until the online procedure is completed.

According to this embodiment, which is configured in this manner, when a user uses ATM1, the user can be prompted to complete identity verification procedures within a specified period (identity verification deadline Ta), thereby improving convenience for the user and the financial institution.

According to this embodiment, the user can use the ATM 1 to carry out online identity verification procedures, improving convenience.

According to this embodiment, the result of identity verification by identity verification server 2 is notified to the user via email at a later date, so that the user can move freely after completing the online identity verification procedure at ATM 1, improving convenience.

The second embodiment will be described with reference to Figures 11 and 12. In the following embodiments, including this embodiment, the differences from the first embodiment will be mainly described. In this embodiment, the user can use an electronic identity verification medium 510 stored in the user terminal 5 to complete identity verification procedures online from the ATM 1.

Figure 11 is an overall schematic diagram of the automated cash transaction system according to this embodiment. The user terminal 5 used by the user includes, for example, a microprocessor 501, a memory 502, a communication interface 503, and a user interface unit (not shown), and is configured, for example, as a portable information terminal, a mobile phone (including a so-called smartphone), a wearable terminal, a personal computer, or the like. An electronic identity verification medium 510 is stored in the memory 502.

Figure 12 is a flowchart showing the process when a user uses ATM1 to verify their identity.

When a user authenticates himself/herself using ATM1, he/she selects the type of identity verification medium to be used. ATM1 acquires the type of identity verification medium (S71), communicates with user terminal 5 (S72), and determines whether connection with user terminal 5 has been established (S73).

If the ATM 1 is able to connect to the user terminal 5 (S73: YES), it reads the card face data from the electronic identity verification medium 510 (S74). The ATM 1 then captures a picture of the user's face with a camera (S75) and requests identity verification by sending the captured face image data and card face data to the identity verification server 2 (S76).

On the other hand, if the ATM 1 cannot establish a communication connection with the user terminal 5 (S73: NO), it notifies the user of an error message via the user interface unit 104 of the ATM 1 or directs the user to a manned counter (S77).

This embodiment, configured in this way, achieves the same effects as the first embodiment. Furthermore, in this embodiment, the user can use the electronic identity verification medium 510 in the user terminal 5 to perform identity verification procedures online from the ATM 1, further improving convenience.

The third embodiment will be described with reference to FIG. 13. FIG. 13 is a schematic diagram of an automated cash transaction system according to this embodiment. In this embodiment, the user terminal 5 is provided with an electronic identity verification medium 510, an identity verification guidance unit 520, and a position verification unit 530.

The identity verification notification unit 520 communicates with nearby ATMs 1 to obtain the notification period, and if it is a notification period, notifies the user of identity verification guidance and the location of the nearest ATM 1. The identity verification notification unit 520 is configured, for example, as an application program installed on a smartphone or the like.

The location confirmation unit 530 identifies the location of the user terminal 5 using a GPS (Global Positioning System) or the like.

As shown on the right side of Figure 13, the identity verification guidance unit 520 periodically detects the location of its own device (user terminal 5) (S81) and detects ATMs 1 within a specified range of the user terminal 5 by referring to an external map server (not shown) (S82).

If the personal identification notification unit 520 detects an ATM 1 within the specified range (S83: YES), it determines whether or not it is the notification period (S84), and if it is the notification period (S84: YES), it notifies the user of the notification message G2. If the personal identification notification unit 520 does not detect an ATM 1 within the specified range (S83: NO) or if it is not the notification period (S84: NO), it returns to step S81.

The notification period for a user who possesses the user terminal 5 can be managed within the identity verification notification unit 520. The identity verification notification unit 520 can manage the identity verification deadline and notification period, etc., based on an email of the identity verification result sent from the identity verification server 2. Alternatively, the identity verification server 2 may transmit the identity verification deadline to the user terminal 5 on a regular or irregular basis.

The guidance message G2 may include, for example, text such as "The identity verification deadline is approaching (until XX/XX/2021). You can verify your identity at a nearby ATM." and a guide map GP21 to the detected ATM1.

When the user arrives at the indicated ATM 1, the user performs identity verification procedures at the ATM 1 using the electronic identity verification medium 510 as described in the second embodiment.

This embodiment, configured in this way, achieves the same effects as the first embodiment. Furthermore, in this embodiment, the user terminal 5 determines whether it is in a guidance period and whether there is an ATM 1 within a specified range, and notifies the user, thereby further improving convenience.

The present invention is not limited to the above-mentioned embodiments, and various modifications are included. For example, the above-mentioned embodiments have been described in detail to clearly explain the present invention, and are not necessarily limited to those having all of the configurations described. It is also possible to replace part of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add the configuration of another embodiment to the configuration of one embodiment. It is also possible to add, delete, or replace part of the configuration of each embodiment with other configurations. Information such as programs, tables, and files that realize each configuration can be stored in a memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card, SD card, or DVD.

1: automated teller machine, 2: identity verification server, 3: accounting system host, 4: operator terminal, 5: user terminal, 110: ATM function execution unit, 120: identity verification information acquisition unit, 210: identity verification information management unit, 220: identity verification result management table, 310: customer information table, 410: correction and verification unit, 510: electronic identity verification medium, 520: identity information unit

Claims (9)

An automated teller machine, comprising:
The device includes a control unit, a communication unit, and a user interface unit.
The control unit is
When a transaction request is received from a user,
Inquiring to an identity verification server via the communication unit whether identity verification is required to carry out the specified transaction;
When the identity verification server determines that identity verification is necessary within a predetermined period of time, the user interface unit presents information to the user to prompt the user to verify the identity.
Automated cash transaction machine. The control unit is
When a request for the predetermined transaction is received from the user,
acquiring account information of the user, and transmitting the acquired account information from the communication unit to the identity verification server, thereby inquiring of the identity verification server as to whether identity verification is required in carrying out the specified transaction;
when it is determined in the identity verification server that identity verification is necessary within the predetermined period by referring to predetermined management information in which the account information is associated with information related to identity verification of the user, the user interface unit is caused to present information prompting the user to perform identity verification.
2. The automated teller machine according to claim 1. The predetermined period is a guidance period set for the user's identity verification.
3. The automated teller machine according to claim 2. The notification period is calculated based on the expiration date of an identity verification medium that stores the identity verification information of the user, a risk assessment value set for the user, and the date and time when the previous identity verification was performed.
4. The automated teller machine according to claim 3. The control unit is
presenting an identity verification execution menu to the user via the user interface unit to allow the user to verify the identity of the user;
When the user selects the identity verification execution menu, identity verification medium information used for identity verification is obtained from the identity verification medium via an identity verification information obtaining unit that obtains information from the identity verification medium of the user;
acquiring user image data including a face of the user;
transmitting the user image data and the identity verification medium information to the identity verification server, thereby requesting identity verification from the identity verification server;
5. The automated teller machine according to claim 4. The identity verification server performs the identity verification based on the user image data and the identity verification medium information, and in a predetermined case, transmits the result of the identity verification to an operator terminal, and confirms the identity verification by receiving a decision from the operator terminal.
6. The automated teller machine according to claim 5. The identity verification server transmits the result of the identity verification to an accounting system host that executes the predetermined transaction and to a user terminal used by the user.
7. The automated teller machine according to claim 6. An automated cash transaction system,
an automated teller machine, an identity verification server, and a user terminal are connected via a communication network;
The automated teller machine includes a control unit, a communication unit, and a user interface unit,
The control unit is
When a transaction request is received from a user,
Inquiring to an identity verification server via the communication unit whether identity verification is required to carry out the specified transaction;
When the identity verification server determines that identity verification is necessary within a predetermined period of time, the user interface unit presents information to the user prompting the user to verify the identity of the user;
When an automated teller machine is present within a predetermined range and a predetermined period set for the user has arrived, the user terminal displays the location of the automated teller machine within the predetermined range and information prompting the user to verify the user's identity.
Automated cash transaction system. A method for verifying identity using an automated teller machine, comprising:
The automated teller machine includes a control unit, a communication unit, and a user interface unit,
The control unit is
When a transaction request is received from a user,
Inquiring to an identity verification server via the communication unit whether identity verification is required to carry out the specified transaction;
When the identity verification server determines that identity verification is necessary within a predetermined period of time, the user interface unit presents information to the user prompting the user to verify the identity of the user;
presenting an identity verification execution menu to the user via the user interface unit to allow the user to verify the identity of the user;
When the user selects the identity verification execution menu, identity verification medium information used for identity verification is obtained from the identity verification medium via an identity verification information obtaining unit that obtains information from the identity verification medium of the user;
acquiring user image data including a face of the user;
transmitting the user image data and the identity verification medium information to the identity verification server, thereby requesting identity verification from the identity verification server;
A method of identity verification using an automated teller machine.

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