JP2007179303A - Automatic transaction system, apparatus, and method - Google Patents

Abstract

【Task】
When each financial institution adopts a different biometric authentication method, it is impossible to verify the identity based on the biometric information that is not supported by the biometric information reader provided in the automatic transaction device. There is a risk that it will not be possible. In the prior art, a biometric authentication system using two different pieces of biometric information mounted on an IC card and using an automatic transaction apparatus compatible with the IC card cannot be realized.
[Solution]
Therefore, by receiving selection of biometric information to be authenticated from the user, or by recognizing the types of biometric information that can be handled by the biometric information reading unit provided in the system, a plurality of identity verification means can be selected. Provided is an automatic transaction system capable of determining an optimum means and performing identity verification.
[Selection] Figure 1

Description

  The technical field relates to a biometric authentication system used in an automatic transaction apparatus (ATM) or the like.

  In an automatic transaction apparatus (for example, ATM = Automated Teller Machine), the method of confirming the identity when performing a withdrawal transaction or the like is conventionally only by a personal identification number. This is because the personal identification number is checked by connecting to the host of each financial institution to confirm the identity. Recently, however, crimes that have stolen this PIN, spoofed another person, and executed transactions have rapidly increased, and each financial institution has reviewed the method of identity verification, and the biometric information of the person who is not stolen Increasing cases of verifying identity.

  This biometric information includes, for example, fingerprints, finger veins, palm veins, irises, faces, etc. Recently, the use of two biometric information of finger veins and palm veins has become the mainstream. Since this financial institution can be freely selected by each financial institution, each financial institution adopts different biometric information. In order to use such biometric information for identity verification, each financial institution is moving to install an automatic transaction apparatus equipped with a device for reading biometric information of either finger veins or palm veins adopted by each financial institution.

  Usually, biometric information is mounted (stored) in an IC card. When conducting a transaction with an automatic transaction device, the biometric information registered in advance is read from the IC card inserted by the customer, and the biometric information of the customer is read from the biometric information reading unit, and the two information are checked and matched. If it is determined, the person is determined to be the principal and the transaction can be executed.

  On the other hand, in the patent document, there is no biometric authentication system using an automatic transaction apparatus that can mount two different types of biometric information on an IC card and can handle the IC card. is there.

  For example, in Patent Document 1, when the personal identification is normally performed using a personal identification number, and the personal identification number is forgotten to be disabled or the personal identification number is forgotten, the personal identification number must be updated. A technique for performing identity verification using third personal identification information (including biometric information) other than a personal identification number is disclosed.

  Also, in Patent Document 2, a false recognition rate allowed for each type of transaction is set, and when a user uses a plurality of transactions continuously, the type of transaction is selected from a plurality of authentication methods. A technique is disclosed in which an authentication method with an authentication performance corresponding to the user ID is selected and identity verification is performed.

  Further, in Patent Document 3, when a user logs in to start connection to the network, password verification is performed, and even after successful login, the mouse operation, fingerprint, face, etc. are continued until the use of the network is terminated. A technique for performing identity verification using biometric information is disclosed.

JP 2005-227967 A JP 2005-107592 A JP 2004-13831 A

  In the case of identity verification using a conventional personal identification number, transactions can be made with an automatic transaction apparatus other than the own financial institution. This is because the password can be checked by connecting to the host of the customer's financial institution via the common center. However, when each financial institution employs a different biometric authentication method, it is impossible to verify the identity based on biometric information that is not supported by the biometric information reader provided in the automatic transaction apparatus. There is a risk that the device will not be able to conduct the transaction.

  On the other hand, in Patent Document 1, the account management server of the business center performs verification of third personal identification information (including biometric information) different from the account number and password. Then, the verification result is transmitted to the ATM, and the ATM performs subsequent processing based on the verification result, but does not mention the type of the third personal identification information. That is, it is not assumed that the third personal identification information differs depending on the financial institution. On the other hand, since one type of identity verification method using biometric authentication is adopted in consideration of the degree of confirmation of identity verification in biometric authentication and the speed of identity verification, each financial institution owns one type of ATM selected by the financial institution. There is also a background that it only supports living organisms. Therefore, there is no problem if each financial institution adopts a common system for third personal identification information, but if each financial institution adopts a system with different third personal identification information, ATM Will be inconvenient for the customer because some registered biometrics cannot be authenticated.

  Patent Documents 2 and 3 disclose techniques for performing identity verification using a plurality of pieces of biological information. Even in these cases, similarly to Patent Document 1, a biometric authentication system using two different pieces of biometric information mounted on an IC card and using an automatic transaction apparatus compatible with the IC card cannot be realized.

  Therefore, for example, by accepting selection of biometric information to be authenticated from the user, or by recognizing the types of biometric information that can be handled by the biometric information reading unit provided in the system, a plurality of identity verification means are included. An automatic transaction system that can determine the most suitable means and perform identity verification is provided.

  With such a configuration, even if biometric information adopted for identity verification is not unified in all financial institutions, it is possible to easily perform identity verification even at ATMs other than the financial institution, as in the case of conventional password verification. It becomes possible.

  Examples of preferred embodiments for carrying out the present invention will be described in detail below. However, the present invention is not limited to this embodiment.

  FIG. 1 is a configuration diagram of a finger / palm vein-mounted IC card compatible automatic transaction system. In this system, an ATM (Automated Teller Machine) that executes a deposit / withdrawal transaction or a transfer transaction will be described as an example of an automatic transaction apparatus.

  Unlike the prior art, the IC card 100 can store (register) two pieces of biological information of finger veins and palm veins. However, the system may be operated by storing (registering) either one of the biometric information according to the request or convenience of the financial institution or the user.

  Here, a description will be given assuming that the medium for storing biometric information and information necessary for the transaction of the user (customer) is an IC card, but this medium is not limited to a card equipped with an IC (integrated circuit), Other information storage media such as a magnetic card without IC, a mobile phone supporting electronic money, and an RFID tag may be used.

  The biometric information is mainly stored (registered) in the IC card, and the explanation proceeds based on the IC card authentication method in which authentication is performed by the control unit of the IC card at the time of authentication, but the biometric information is stored. For the location, (1) medium (IC card, etc.), (2) financial institution host computer, and for the place to perform authentication, (1) medium (IC card, etc.), (2) financial institution host computer, ( 3) There are three types of ATM, and when these are combined, six types of authentication methods can be considered. Each method has different features such as convenience and high security, but any of them can be adopted. Some examples of processing based on these different authentication methods are also shown in the embodiments.

  In FIG. 1, using the IC card 100, a transaction is executed with a finger and palm (finger / palm) vein authentication compatible ATM 101, finger vein authentication compatible ATM 102, palm vein authentication compatible ATM 103, and biometric authentication non-compatible ATM 105. When ATM 101 is used, both biometric authentication with a finger and biometric authentication with a palm are possible. When ATM 102 and 103 are used, biometric authentication with either a finger or a palm is possible. When the ATM 105 is used, neither finger / palm biometric authentication can be performed. When biometric authentication is successful at each ATM, data communication is performed with a financial institution host computer (a financial institution where the user has an account, the following is omitted) 104 via the network, deposit / withdrawal transaction, transfer transaction, passbook Execute various transactions such as filling in. ATM is not limited to cash handling, but includes electronic money and money. In the embodiment, ATM is used, but any device such as a CD (cash dispenser) can be used as long as it can perform transactions using cash and money.

  The ATMs 101 to 105 and the financial institution host computer 104 are not limited to those of the same financial institution, and can be connected to those of different financial institutions. For example, if a user (customer) with an IC card issued by XX bank uses an ATM of another bank XX bank (which is affiliated with XX bank), biometric authentication is successful and used. If it is confirmed that the person is the owner of the account corresponding to the IC card, the ATM is a bank financial institution host computer (financial institution where the user does not have an account; the following is omitted) 106 via the network Can exchange data and execute various transactions.

  Note that “a financial institution in which a user has an account” refers to a financial institution corresponding to an IC card that the user intends to use, as described in this embodiment. “The financial institution for which the user does not have an account” refers to a financial institution other than the financial institution corresponding to the IC card that the user intends to use, as described in the present embodiment. Therefore, the user has an IC card corresponding to “a financial institution for which the user does not have an account” separately from the IC card that the user intends to use as described in this embodiment. It doesn't matter.

  FIG. 2 is a block diagram of various automatic transaction apparatuses (compatible with finger / palm vein authentication, finger vein authentication, and palm vein authentication).

  The ATMs 101, 102, 103, and 105 are a control unit 201 that controls the entire ATM, a display unit 202 configured to display operation guidance, a CRT, a liquid crystal display, etc., and a user's operation and key input pressed by a finger. Accepts the input unit 203 composed of a touch panel, a keyboard, etc., card (information storage medium) insertion / ejection operation, read / write with respect to data stored in the magnetic stripe of the card (information storage medium) or IC card, card embossed part IC card reading / writing unit 204 (information storage medium reading unit, information storage medium reading / writing unit) having functions such as image reading, user passbook insertion / discharge operation, magnetic stripe read / write operation, passbook Passbook reading / writing unit 205 with print function etc., and stores various data and programs Main memory unit 206, auxiliary storage unit 207 for storing information related to screens necessary for various transactions and log information when transactions are processed, and financial institution host computer (server) 104 to exchange data A bill receiving / dispensing unit 208 that reads (acquires) biometric information, has a biometric information reading device 209 configured by a camera, a bill discrimination / conveyance function, a storage function, etc., and performs banknote depositing / withdrawing processing It has a mechanism unit 210, a coin depositing / withdrawing mechanism unit 211 that has a function of discriminating and transporting coins, storing, etc., and depositing or dispensing coins.

  Note that the biometric information reading device 209 has different functions (number and type) depending on the ATM. If the biometric information reading device 209 is referred to as a biometric information reading device 209-1 and a biometric information reading device 209-2 that can handle the finger vein, and the biometric information reading device 209-2, in the ATM 101, both ( Two). The ATM 102 includes only the biological information reading device 209-1 corresponding to the finger vein. The ATM 103 includes only the biological information reading device 209-2 corresponding to the palm vein. The ATM 105 does not include any of the biological information reading device 209-1 corresponding to the finger vein and the biological information reading device 209-2 corresponding to the palm vein. Hereinafter, the case where there is one biological information reader or two biological information readers will be described as the biological information reader 209.

  The ATM 105 is actually different from that shown in FIG. 2 in that there is no biological information reading unit, but the other parts have the same configuration as that shown in FIG.

  The IC card 100 includes a control unit 221 that controls the entire IC card, a storage unit 222 that stores information such as various data and programs, and a biometric information verification unit 223 that performs verification of whether the two types of biometric information match. It has.

  The ATM control unit 201 instructs the biometric information reading device 209 to read biometric information. The biometric information read command unit 231 (when instructing to read finger vein information, the biometric information read command unit 231-1 and palm vein information When instructing to read, the biometric information read command unit 231-2 is used (see FIG. 2), a guidance screen display on the display unit 202, a guidance output unit 232 for outputting operation guidance to the user by voice, biometric information, and the like. A biometric information transmitting unit 233 that transmits the biometric information acquired by the biometric information reading device 209 to the collating unit 223 (the biometric information transmitting unit 233-1 when transmitting finger vein information, and the biometric information transmitting when transmitting palm vein information. Unit 233-2 (see FIG. 2), a biometric information collation result receiving unit 234 that receives a collation result from the biometric information collation unit 223 (collation result regarding finger veins) When receiving the biometric information collation result receiving unit 234-1 and when receiving the collation result regarding palm vein information, the biometric information collation result receiving unit 234-2 is used (see FIG. 2), and is registered in advance for each user. Based on the priority information, the biometric information to be used for collation is first determined from the two (finger veins and palm veins), and before the user guides the authentication operation, the user uses the biometric information reading device 209. A pre-matching biometric information determination unit 235 that determines the biometric information as a biometric to be used for matching first from two (finger veins and palm veins) when the biometric information is placed (held) at a position where it can be read; Biological information type recognition unit 236 for recognizing what type of biometric information the biometric information reader 209 connected (installed) to the ATM can read biometric information of the biometric information reader 209 A living body appearance detection unit 237 that detects (recognizes) that a living body has appeared in the device, a banknote deposit / withdrawal mechanism unit 210, and a coin deposit / withdrawal mechanism unit 211 during a deposit (withdrawal) transaction. ) Is provided.

  Although not described below, all operations are performed by commands (instructions) of the control unit 201 and the units 231 to 237 included in the control unit 201. For example, if there is a step of reading biometric information, the biometric information reading device 209 reads biometric information based on a command from the biometric information reading command unit 231.

  The living body appearance detection unit 237 is configured by a sensor (infrared, radio wave, temperature, touch, or the like) that detects that an object (including a finger or palm) is held over, approaches, or touches the biological information reading unit 209. However, the living body information reading unit 209 calls the living body appearance detection unit 237 with a function of detecting an object or reading a finger / palm vein to detect a finger or palm being held over. But you can. The location where the former sensor-type living body appearance detection unit 237 is installed is a position where a finger or palm is held over, approaching or touching the biological information reading unit 237 (for example, the finger or palm of the biological information reading unit 237 is detected). Deployment or embedding on the mounting surface of the device.

  FIG. 3 is a table showing which biometric information can be used for biometric authentication by combining each ATM and biometric information mounted on an IC card. A condition “what information is on the card” is entered in the row, and a condition “what biometric authentication the ATM supports” is entered in the column. “○” indicates “authentication processing is possible”, “x or password” indicates “authentication processing is not possible or identity verification is possible with a password”, “ The “password” indicates “that the identity can be confirmed with the password”.

  According to the present embodiment, as shown in FIG. 3, it is possible to conduct transactions by biometric authentication with all the biometric authentication ATMs. Read for each column in FIG. The finger / palm (corresponding to the ATM 101) is “O, O, O, PIN” in the order of finger, palm, finger / palm, and none from the top, and will be described with reference to FIG. The finger (corresponding to ATM 102) is “◯, × or PIN number, ○, PIN number” in the same order as described above, and will be described with reference to FIG. The palms (corresponding to ATM 103) are “X or PIN numbers, ○, ○, PIN numbers” in the same order as described above, and will be described with reference to FIG. “None” (corresponding to ATM 105) is “X or PIN, X or PIN, X or PIN or PIN” in the same order as described above, and will be described with reference to FIG.

  Below, the transaction processing for every ATM is demonstrated using FIGS. As described above, the IC card 100 can store (register) information on two fingers and palm veins. However, in the following flowchart, not only the case where two information is stored in the IC card 100 but either one is stored. Considering the case where only one is stored or the case where none is stored.

  FIG. 4 shows a biometric information reading device 209-1 that can read the finger veins and a biometric information reading device 209 that can read the finger veins. It is a flowchart of the transaction processing in ATM101 provided with -2. FIG. 5 shows a biometric information reader 209-1 that can read an finger card and a biometric information reader 209 that can read the finger vein, and can be used with an IC card that has information on two fingers and palm veins. -2 is a flowchart of transaction processing in ATMs 102 and 103 provided with either one of them. FIG. 6 is a flowchart of transaction processing in the ATM 105 that is compatible with an IC card on which two pieces of information of finger / palm vein information are mounted and does not include a biological information reader.

  Next, based on the flowchart of FIG. 4, using an IC card capable of registering two pieces of biometric information of the finger and palm vein, the operation in the ATM in which the biometric information reader for both finger and palm vein is mounted and the biometric An authentication method will be described. Unless otherwise specified, the subject of the operation in this flowchart is the ATM control unit 201.

  When the ATM control unit 201 detects that the user is within the ATM operable range, the display unit 202 displays transaction selection guidance such as payment, payment, balance inquiry, and transfer (whether or not to detect). Regardless, the transaction selection guide may always be displayed), and a transaction selection is accepted from the user (step 401). Here, when a transaction requiring biometric authentication, such as a payment transaction, is selected by pressing the “selection key” or the like of the input unit 203, a guidance to insert the IC card is displayed on the display unit 202, and the IC card 100 is displayed. Prompt insertion. On the other hand, when the user inserts the IC card 100 into the IC card reading / writing unit 204, the control unit 201 detects it (step 402). After step 402, the IC card reading / writing unit 204 reads information such as biometric information and account number stored in the IC card 100 (step 403). The IC card 100 may be provided with a magnetic stripe, and at that time, data such as an account number other than the biological information can be read from the magnetic stripe of the IC card 100.

  Next, a guide to input a password is displayed on the display unit 202. When the password is input to the input unit 203 by the user, it is detected, and the read account number and the input password are transmitted to the financial institution host computer 104 via the transmission / reception unit 208. On the other hand, the financial institution host computer 104 receives the input personal identification number, compares the input personal identification number with the personal identification number corresponding to the account number registered in advance, and stores the verification result in the ATM. Send. The ATM receives the collation result via the transmission / reception unit 208, checks whether the security code is correct, and counts the number of times the security code is input if the entered security code is not correct. At this time, if the number of input of the personal identification number is within the prescribed number, the user is prompted to input the personal identification number again. If the number of input PINs exceeds the specified number, the transaction is canceled. If the entered password is correct, the process proceeds to the next step.

  Here, the password verification process is performed after step 403, but may be performed after a biometric authentication process to be described later. Further, the transaction desired by the user may be performed by performing only the success of the biometric authentication without performing any password verification process. When the password is entered first, the user enters the password immediately after selecting the first transaction after inserting the card, as in general transactions. However, there is an advantage that the device is easy to handle near the current situation. On the other hand, if biometric authentication is performed before authentication with a personal identification number, if someone else performs biometric authentication and the biometric authentication fails and the transaction is rejected, the transaction is terminated without entering the personal identification number. Therefore, it is not necessary to communicate with the financial institution host computer 104 for useless password verification, and the burden on the financial institution host computer 104 can be reduced. On the other hand, when only biometric authentication is performed, there is an advantage that the entire processing time can be shortened by the amount that the password collation process is not required.

  Next, it is checked whether or not two pieces of biological information of finger veins and palm veins are registered in the inserted IC card 100 (step 404). If two pieces of biometric information are not registered, it is further checked whether any one of the finger vein and palm vein is registered (step 405). As a result, if no biometric information is registered, the transaction is stopped (step 406). After step 406, the IC card 100 is returned to the user (step 416). On the other hand, if any one of the biometric information is registered, a biometric authentication guidance screen (FIG. 7 or FIG. 8) of biometric information registered in the IC card 100 is displayed (step 407), which will be described later. Proceed to step 410.

  On the other hand, if two pieces of biometric information are registered in step 404, a biometric selection guide screen (FIG. 9) is displayed on the display unit 202 as shown in FIG. 9, and the finger vein or palm vein is displayed to the user. The user is allowed to select which information to authenticate (step 408). When the type of biometric information to be used for authentication is selected and input by the user to the input unit 203, it is detected, and the biometric authentication guidance screen (FIG. 7 or FIG. 8) for the selected biometric information is displayed (step 409), the process proceeds to step 410 described later.

  FIG. 7 is an example of a screen when performing identity verification by finger vein authentication. On the screen, a message is displayed to confirm the identity with the finger vein and to instruct the reader to set the registered finger. Also, photos and pictures are included to make it easier for users to understand. In addition, the contents of the instructions are not only “Please set your finger”, but also “Personal information is protected”, etc. “Authentication device is on the right side of the screen” “Please keep your finger on for a while. You may be made to guide the location and the data acquisition method. Furthermore, it may be configured to assist a user who is not used to finger vein authentication by putting a moving image in the screen.

  FIG. 8 is an example of a screen when performing identity verification by palm vein authentication. On the screen, a message is displayed to confirm the identity with the palm vein and to instruct the reader to set the registered finger. Also, photos and pictures are included to make it easier for users to understand. In addition, the content of the instruction is not only “Please set your palm”, but also “Personal information is protected”, etc. “The authentication device is on the right side of the screen” “Please leave your palm for a while. You may be made to guide the location and the data acquisition method. Furthermore, it may be configured to assist a user who is not used to palm vein authentication by putting a moving image in the screen.

  FIG. 9 is an example of a screen in the case of performing identity verification by finger vein authentication or palm vein authentication. On the screen, a message is displayed to let the user select whether to authenticate with finger vein or palm vein information. In addition, a “finger vein” key, a “palm vein” key, and the like for receiving a selection input from the user are displayed. Photos and pictures are included to make it easier for users to understand. Character keys may be input targets, and finger or palm drawings may be input targets. Further, various instructions may be given in the same manner as in FIGS.

  In step 408, the user selects whether to authenticate using finger vein information or palm vein information. However, priority is added in advance to the biometric information, and the higher priority is given. The biometric authentication guidance screen may be automatically displayed. If the former selective input method is used, authentication can be performed with a biometric that is convenient for the user each time there is an opportunity to authenticate, so if the biometric that is always used for authentication due to injury etc. cannot be authenticated Convenient to. If the latter priority method is used, authentication can be performed with the biometric information that the user wants to use without selecting step 408, and the process proceeds to the next step, so that the processing time can be shortened.

  The priority information may be stored in any of the IC card 100, ATM, and financial institution host computer 104. It suffices that the control unit can recognize the priority order before step 408 no matter where it is stored.

  Further, the priority order may be determined by the financial institution that introduces the system, or may be determined by the user.

  In step 408, the living body selection screen (FIG. 9) is displayed on the display unit 202 and guidance is provided to select the biometric information to be authenticated. It is also possible to provide guidance and selection without looking at the screen. Further, guidance / selection may be made by voice.

  In addition, when the user places a finger at a position where the living body of the biometric information reader 209 corresponding to the finger vein can be read before guiding by any method as described above, or the biometric information reader corresponding to the palm vein When the user places his / her palm in a position where the living body 209 can be read, the living body appearance detection unit 237 of the control unit 201 detects (recognizes) the appearance of the living body and places the palm (holding). It is also possible to perform authentication using a living body. Considering the flow in the flowchart, for example, when two pieces of biometric information (both finger and palm) are registered in the IC card and the biometric selection input screen in step 408 is displayed, the biometric information reading is performed. When the living body appears at a position where the apparatus 209 can read the living body, the screen display in step 409 is skipped and the process proceeds to step 410.

  In addition, only one biometric information (either finger or palm) is registered in the IC card, and the biometric information registered in the IC card in advance at a position where the biometric information reading device 209 can read the biometric information. If a living body of the same type as the information appears, the screen display in step 407 is skipped and the process proceeds to step 410.

  However, only one biometric information is registered in the IC card (either finger or palm), and the biometric information registered in the IC card in advance at a position where the biometric information reader 209 can read the biometric information. When a different type of biometric information appears, the process proceeds to step 407 to display a biometric authentication guidance screen (FIG. 7 or 8) for biometric information registered in the IC card 100. At this time, a message stating “please authenticate with registered biometric information” may be sent to the user.

  In addition, when the biometric information used for authentication is determined by the above-described priority order method, the user places his / her finger on the biometric information reading device 209 corresponding to the finger vein before guiding by any method as described above. If the placed biometric information has a higher priority when the palm is placed on the biometric information reader 209 corresponding to the palm vein, authentication is performed based on the biometric information. On the other hand, if the placed biometric information has a lower priority, the user is informed that the biometric information is not authenticated and prompts the user to place the higher priority biometric information. Authentication is performed using the biometric information.

  It is assumed that the living body that has appeared so far is read by the biometric information reading device 209 that can handle it (the living body that has appeared is a finger and the living body information reading device is a finger, And the biological information reader is a palm). However, the living body that has appeared is read by the biological information reader 209 that cannot handle it (the living body that has appeared is a finger and the biological information reader is a palm, the living body that has appeared is a palm, and the biological information reader has In the case of a finger), a reading error message may be displayed, and a biometric information guidance screen (FIG. 7 or FIG. 8) for biometric information registered in the IC card may be displayed.

  After the various biometric authentication guidance screens shown in FIG. 7 or FIG. 8 are displayed, upon receiving a biometric authentication request from the user based on pressing of the “confirmation key” on the input unit 203, the ATM control unit 201 reads the IC card reading form. The biometric information (also referred to as registration data) is acquired from the storage unit 222 of the IC card 100 by the inserting unit 204 (step 410) and developed into the biometric information matching unit 223.

  Next, the biometric information reading unit 209 newly acquires the biometric information (also referred to as authentication data) of the user (step 411), temporarily stores the biometric information (authentication data) in the main storage unit 206, and then the biometric information matching unit. 223 is transmitted to the biometric information matching unit 223. When authenticating with the finger vein, the biometric information reading unit 209 corresponding to the finger vein is used, and when authenticating with the palm vein, the biometric information reading unit 209 corresponding to the palm vein is used.

  Then, the ATM control unit 201 instructs the control unit 221 of the IC card 100 to perform biometric authentication. On the other hand, the control unit 221 of the IC card 100 performs collation (also referred to as biometric authentication) of two pieces of biometric information (registered data and authentication data) by the biometric information collating unit 223 (step 412). The ATM control unit 201 receives the collation result from the biometric information collation unit 223 and checks whether the collation result is successful (step 413). The success here does not indicate whether or not the collation has been performed, but indicates that the characteristics of the two pieces of biometric information (registered data and authentication data) are equal to or greater than a predetermined value.

  If the collation result is not successful, the number of biometric authentications is counted, and if the number is within the specified number (step 414), the process returns to step 411 to acquire the user's biometric information and biometric authentication again. To implement. On the other hand, if the number of executions exceeds the prescribed number, the transaction is stopped (step 406). After step 406, the IC card 100 is returned to the user (step 416).

  On the other hand, if the collation result is successful, data necessary for the transaction is exchanged with the financial institution host computer 104 via the transmission / reception unit 208 to process the transaction selected (desired) by the user (step 415). . In the result data, not only the content “success or failure” but also “biometric data (specify what data)” and “finger vein data.” ”)”, “Authenticated with right hand and index finger. (In case of finger, clearly indicate how many fingers of left or right hand or left hand if palm)”, “Error is 3 times. The number of errors) may be included.

  For example, if the transaction desired by the user is a “payment transaction”, the input unit 203 accepts an input of the payment amount. When the payment amount is input by the user, a message prompting the user to press the confirmation key as to whether or not the input amount and the amount are correct is displayed on the display unit 202. When the confirmation key of the input unit 203 is pressed, transaction data is communicated with the financial institution host computer 104. After the communication, the ATM control unit 201 discharges bills and coins for the requested amount from the bill deposit / withdrawal mechanism unit 210 and the coin deposit / withdrawal mechanism unit 211, respectively. At this time, a message such as “If there is a passbook, please insert it into the insertion slot” may be displayed on the display unit 202 to prompt the user to insert the passbook. When the user inserts the passbook reading / writing unit 205, the ATM control unit 201 prints the transaction history on the passbook by the passbook reading / writing unit 205.

  If the transaction desired by the user is “balance inquiry”, the transaction data is exchanged with the financial institution host computer 104, and after the exchange, the deposit or borrowing balance is displayed on the display unit 203.

  After step 415, the IC card 100 is returned to the user (step 416).

  In this embodiment, biometric authentication is performed by the biometric information matching unit 223 in the IC card. However, the biometric authentication is performed not only in the IC card but also in the ATM or the financial institution host computer (server) 104. You may do it. When performing biometric authentication in the IC card, it is not necessary to leave biometric information (registration data) registered in advance from the IC card, so security can be kept high. On the other hand, when biometric authentication is performed by the ATM / financial institution host computer (server) 104, it is not necessary to provide a biometric information collating unit in the IC card, and only the ATM / financial institution host computer (server) 104 is collated. It is convenient for the financial institution that introduces the system in terms of quantity and size.

  If the transaction is not successful within the specified number of times in step 414, the transaction is stopped. If two pieces of biometric information are registered in the IC card, the person who has not been used for authentication yet. The biometric information may be used for authentication.

  In this way, by providing a system equipped with an IC card on which both fingers and palm veins can be mounted and an ATM equipped with both finger and palm vein biometric information readers, all financial institutions Even if the biometric information used for confirmation is not unified, it is possible to easily perform identity verification even with ATMs of other banks. When a transaction is executed at a financial institution that uses both biometric information of the palm veins, authentication using biometric information convenient for the user is possible each time the transaction is used.

  In this embodiment, when a transaction is performed at an ATM owned by a financial institution in which the user has an account, the ATM is the host computer of the financial institution in which the user has an account (both the own host computer). The biometric authentication result data is transmitted to 104). On the other hand, even if the transaction is conducted at an ATM owned by a financial institution (a company other than a financial institution, a corporation) that does not have an account, the same as described above According to the procedure and flow, biometric authentication and transaction processing are possible, and the ATM transmits biometric authentication result data to a host computer 106 (also called another host computer) 106 of a financial institution where the user does not have an account. In this case, control may be performed so as to switch between the contents included in the message addressed to the own host computer 104 and the contents included in the message addressed to the other host computer 106 (for example, “finger vein data is addressed to the own host computer 104”). (Indicates the type of biometric information) "but does not include it for other host computers 106).

  In addition, the above-mentioned transmission data also includes “Biometric authentication service” information, and when a user conducts a transaction at an ATM of a financial institution that does not have an account, the number of transactions per day, the transaction You may make it restrict | limit an amount of money. In addition, when executing a payment transaction, (1) the transaction is desired at the ATM of the financial institution having the account and the identity is confirmed by biometric authentication. (2) the ATM of the financial institution not having the account (3) I would like to make a transaction with biometric authentication, and (3) I would like to make a transaction with an ATM of a financial institution that has an account, and I do not perform identity verification by biometric authentication. The amount that can be paid in (1) to (4) is changed depending on the conditions such as wanting to make a transaction at an ATM of a financial institution that you do not have and not verifying your identity by biometric authentication (for example, 200 for 1) (10,000 yen, 2 for 1 million yen, 3 for 1.2 million yen, 4 for 500,000 yen).

  Using an IC card capable of registering two pieces of biometric information of the finger and palm vein based on the flowchart of FIG. 5, the operation and biometric authentication at the ATM in which the biometric information reader of either finger or palm vein is mounted A method will be described. This case is a case in which it is possible to select which biometric to authenticate from both biometric information. Unless otherwise specified, the subject of the operation in this flowchart is the ATM control unit 201.

  When the ATM control unit 201 detects that the user is within the ATM operable range, the display unit 202 displays transaction selection guidance such as payment, payment, balance inquiry, and transfer (regardless of whether or not to detect). Alternatively, a transaction selection guide may be always displayed), and a transaction selection is received from the user (step 501). Here, when a transaction requiring biometric authentication, such as a payment transaction, is selected by pressing the “selection key” or the like of the input unit 203, a guidance to insert the IC card is displayed on the display unit 202, and the IC card 100 is displayed. Prompt insertion. On the other hand, when the user inserts the IC card 100 into the IC card reading / writing unit 204, the control unit 201 detects it (step 502). After step 502, the IC card reader / writer 204 reads information such as biometric information and account number stored in the IC card 100 (step 503). The IC card 100 may be provided with a magnetic stripe, and at that time, data such as an account number other than the biological information can be read from the magnetic stripe of the IC card 100.

  The processing up to this point is the same as the processing in the flowchart of FIG. 4, and the personal verification by the personal identification number may be performed immediately after step 503, or after confirmation of successful finger or palm vein authentication (step 516). You may do it.

  Next, it is checked whether or not two pieces of biological information of finger vein and palm vein are registered in the inserted IC card 100 (step 504). If two pieces of biometric information are not registered, it is further checked whether any one of the finger vein and palm vein is registered (step 505). As a result, if no biometric information is registered, the transaction is stopped (step 506). After the transaction is stopped in step 506, the IC card 100 is returned to the user (step 519). On the other hand, if any one of the biometric information is registered, it is checked whether or not the ATM is provided with a reader capable of reading the biometric information registered in the IC card 100 (step 507). If the reading device is not provided, the transaction is stopped (step 506), and if the reading device is provided, the biometric authentication guidance screen (FIG. 7 or FIG. 8) of the biometric information registered in the IC card 100 is displayed. (Step 508), the process proceeds to Step 513, which will be described later.

  On the other hand, if two pieces of biological information are registered in step 504, it is checked whether or not the finger vein reader is provided in the ATM (step 509). If the finger vein reader is not provided, it is checked whether a palm vein reader is provided (step 510). If the palm vein reader is not provided, the transaction is stopped (step 506). After step 506, if a palm reading device is provided, a biometric authentication guidance screen (FIG. 8) using a palm vein is displayed (step 511), and the process proceeds to step 513 described later. On the other hand, if a finger vein reading device is provided in step 509, a biometric authentication guidance screen (FIG. 7) using finger veins is displayed (step 512), and the process proceeds to step 513 described later.

  In addition, when the user places a finger at a position where the living body of the biometric information reader 209 corresponding to the finger vein can be read before guiding by any method as described above, or the biometric information reader corresponding to the palm vein When the user places his / her palm in a position where the living body 209 can be read, the living body appearance detection unit of the control unit 201 detects (recognizes) the appearance of the living body and places (holds) the living body. E) Authentication using a living body may be performed. Considering the flow in the flowchart, for example, two pieces of biometric information (both finger and palm) are registered in the IC card, and the biometric information reading corresponding to the biometric information registered in the IC card is possible. If a living body appears at a position where the biometric information reader 209 can read the biometric before the biometric authentication guidance screen of steps 511 and 512 is displayed, the screen display is skipped. Proceed to step 513.

  In addition, only one (finger or palm) biometric information is registered in the IC card, and a biometric information reading device 209 that can handle the biometric information registered in the IC card is provided. If a living body of the same type as the living body information registered in advance in the IC card appears at a position where the living body information reading device 209 can read the living body, the screen display in step 508 is skipped and the process proceeds to step 513. To do.

  However, the living body information is registered in the IC card and the living body information reading device 209 that can handle the living body information registered in the IC card is provided, but the living body information reading device 209 can read the living body. In addition, when a different type of biometric information from biometric information registered in advance in the IC card appears, a biometric authentication guidance screen (FIG. 7 or FIG. 8) for biometric information registered in the IC card is displayed. At this time, a message stating “please authenticate with registered biometric information” may be sent to the user.

  It is assumed that the living body that has appeared so far is read by the biometric information reading device 209 that can handle it (the living body that has appeared is a finger and the living body information reading device is a finger, And the biological information reader is a palm). However, the living body that has appeared is read by the biological information reader 209 that cannot handle it (the living body that has appeared is a finger and the biological information reader is a palm, the living body that has appeared is a palm, and the biological information reader has In the case of a finger), a reading error message may be displayed, and a biometric information guidance screen (FIG. 7 or FIG. 8) for biometric information registered in the IC card may be displayed.

  After the various biometric authentication guidance screens shown in FIG. 7 or FIG. 8 are displayed, upon receiving a biometric authentication request from the user based on pressing of the “confirmation key” on the input unit 203, the ATM control unit 201 reads the IC card reading form. The biometric information (also referred to as registration data) is acquired from the storage unit 222 of the IC card 100 by the inserting unit 204 (step 513), and developed into the biometric information matching unit 223. Next, biometric information (also referred to as authentication data) of the user is newly acquired by the biometric information reading unit 209 (step 514), the biometric information (authentication data) is temporarily stored in the main storage unit 206, and then the biometric information matching unit. 223 is transmitted to the biometric information matching unit 223. Then, the ATM control unit 201 instructs the control unit 221 of the IC card 100 to perform biometric authentication. On the other hand, the control unit 221 of the IC card 100 performs collation (biometric authentication) of two pieces of biometric information (registration data and authentication data) by the biometric information collation unit 223 (step 515). The ATM control unit 201 receives the collation result from the biometric information collation unit 223 and checks whether the collation result is successful (step 516). If not successful, the number of times of biometric authentication is counted, and if the number of times of implementation is within the prescribed number (step 517), the process returns to step 515 to acquire the user's biometric information and perform biometric authentication again. . On the other hand, if the number of executions exceeds the specified number, the transaction is stopped (step 506). After step 506, the IC card 100 is returned to the user (step 519).

  On the other hand, when the transaction is successful, the data necessary for the transaction is exchanged with the financial institution host computer 104 via the transmission / reception unit 208 to process the transaction selected (desired) by the user (step 518) (FIG. 4). As described above, various transactions are processed using the bankbook reading / writing unit 205, the banknote depositing / dispensing mechanism unit 210, the coin depositing / dispensing mechanism unit 211, and the like. After step 518, the IC card 100 is returned to the user (step 519).

  As in the case of FIG. 4, in this embodiment, biometric authentication is performed by the biometric information matching unit in the IC card. However, the biometric authentication is not limited to the IC card, but ATM or a financial institution host computer (server). Biometric authentication may be performed at 104.

  If the transaction is not successful within the specified number of times in step 517, the transaction is stopped, but if two pieces of biometric information are registered in the IC card, the person who has not been used for authentication yet The biometric information may be used for authentication.

  In step 509, it is checked whether or not the finger vein reader is provided in the ATM. In step 510, it is checked whether or not the ATM is provided with the palm vein reader. It may be checked whether or not a vein reading device is provided.

  Further, in the flowchart of FIG. 5, the biometric information is acquired through the processes after step 504 after reading the biometric information and the account number stored in the IC card 100 in step 503. If the IC card 100 is inserted by the user and a biometric is placed on the biometric reader 209 before displaying the biometric authentication guidance screen in steps 508, 511, and 512, authentication is performed using the biometric information for the time being. You may make it the structure which does.

  Thus, by providing a system including an IC card on which both a finger and a palm vein can be mounted, and an ATM on which either one of the finger or the palm vein is mounted, an IC card is provided. If the ATM is compatible with the registered biometric information, the transaction is processed. If the ATM is not compatible with the registered biometric information, the transaction is performed. The processing adapted to the registration state of the biometric information in the IC card, which is to be canceled, can be performed. That is, since the ATM can easily determine whether or not biometric authentication using the biometric information registered in the IC card can be performed by the ATM itself, convenience for the user is improved.

  Based on the flowchart of FIG. 6, an explanation will be given on the operation and the biometric authentication method in the ATM in which the biometric information reader for both the finger and the palm vein is not mounted, using an IC card that holds both the finger and palm vein biometric information. To do.

  When the ATM control unit 201 detects that the user is within the ATM operable range, the display unit 202 displays transaction selection guidance such as payment, payment, balance inquiry, and transfer (whether or not to detect). Regardless, the transaction selection guidance may always be displayed), and a transaction selection is accepted from the user (step 601). Here, when a transaction requiring biometric authentication, such as a payment transaction, is selected by pressing the “selection key” or the like of the input unit 203, a guidance to insert the IC card is displayed on the display unit 202, and the IC card 100 is displayed. Prompt insertion. On the other hand, when the user inserts the IC card 100 into the IC card reading / writing unit 204, the control unit 201 detects it (step 602). After step 602, information such as biometric information and an account number stored in the IC card 100 is read by the IC card reading / writing unit 204 (step 603). The IC card 100 may be provided with a magnetic stripe, and at that time, data such as an account number other than the biological information can be read from the magnetic stripe of the IC card 100.

  Next, it is checked from the information read from the IC card 100 whether the user is a person who requires biometric authentication for transaction processing (step 604). If it is a person who requires biometric authentication, biometric authentication cannot be performed with this ATM, so the biometric authentication impossible guidance screen shown in FIG. 11 is displayed and the transaction is stopped (step 605). On the other hand, if the person is not a person who requires biometric authentication, a personal identification guide screen (FIG. 10) using a personal identification number is displayed on the display unit 202 (step 606). Whether or not biometric authentication is essential is set in advance in the financial institution host computer 104 or the IC card 100. By making biometric authentication indispensable, it is possible to prevent others from being withdrawn due to theft of a personal identification number, and high-security ATM transactions are possible.

  FIG. 10 is an example of a screen that guides the user to perform identity verification using a personal identification number because the ATM does not include a biometric information reading unit when the user is not required to perform identity verification by biometric authentication. On the screen, a message is displayed indicating that the biometric authentication transaction cannot be performed, and that the password is instructed to be entered when the transaction using the password is continued. In addition, the numeric keypad, “Cancel” key, and “Reflecting the entered number (actually processed so that it cannot be seen)” are displayed so that you can enter, confirm and retry on the screen. . In addition, the contents of the instructions are not only “Please enter your PIN”, but also “Please enter with the numeric keypad”, “Press the C (Clear) key to re-enter”, etc. You may make it guide.

  FIG. 11 shows an example of an ATM that can perform other biometric authentication because this ATM cannot perform biometric authentication because the ATM does not include a biometric information reading unit when the user is required to authenticate himself / herself through biometric authentication. It is an example of the screen which guides to move to. On the screen, a message indicating that the transaction by biometric authentication cannot be performed and an instruction to move to another ATM capable of biometric authentication is displayed. In addition, photos and pictures with x marks on the fingers and hands are put to make it easier for users to understand. In addition, the contents of the instruction are not only “Please move to an ATM that can be biometrically authenticated” but “Biometric authentication can be performed if it is an adjacent ATM.” No, please move to another store or window ".

  After displaying the personal identification guide screen with the personal identification number of FIG. 10, the input of the personal identification number by the input unit 203 is accepted (step 607). Next, a guide for inputting the password is displayed on the display unit 202. When the password is input to the input unit 203 by the user, it is detected, and the read account number and the input password are transmitted to the financial institution host computer 104 via the transmission / reception unit 208. On the other hand, the financial institution host computer 104 receives the input personal identification number, compares the input personal identification number with the personal identification number corresponding to the account number registered in advance, and stores the verification result in the ATM. Transmit (step 608). The ATM receives the verification result via the transmission / reception unit 208, checks whether the security code is correct (step 609), and counts the number of times the security code is input if the entered security code is not correct. If the number of input of the password at this time is within the specified number, the user is prompted to input the password again (step 610). If the number of input of the personal identification number exceeds the specified number, the transaction is stopped (step 605). After step 605, the IC card 100 is returned to the user (step 613).

  If the entered password is correct, the data required for the transaction is exchanged with the financial institution host computer 104 via the transmission / reception unit 208 to process the transaction selected (desired) by the user (step 612) (FIG. 6). 4), various transactions are processed using the passbook reading / writing unit 205, the banknote depositing / withdrawing mechanism unit 210, the coin depositing / withdrawing mechanism unit 211, and the like. After step 612, the IC card 100 is returned to the user (step 613).

  Thus, by providing a system including an IC card that can be equipped with both a finger and a palm vein and an ATM that is not equipped with a biometric information reader, a user is required to perform biometric authentication from the registration information of the IC card. If it is a person who is required for biometric authentication, the transaction will be stopped, and if it is not a person who is required for biometric authentication, identity verification will be performed by verifying the personal identification number. Adaptive processing is possible. That is, the ATM can easily determine the user's biometric authentication essential status by the ATM itself, thereby improving the convenience for the user.

  As described above, by providing a system equipped with various ATMs compatible with IC cards that can be equipped with both fingers and palm veins, biometric information adopted for identity verification at all financial institutions is not unified. However, it is possible to easily perform identity verification even at ATMs other than the own financial institution, as in the case of conventional password verification.

Finger / palm vein information IC card compatible ATM system configuration example Example of block diagram of ATM for IC card with finger / palm vein information Examples of multi-biometric authentication services at different ATMs Example of a flowchart of transaction processing of a finger / palm vein-mounted IC card compatible ATM (ATM corresponding to both biometric information) Example of a flowchart of transaction processing of a finger / palm vein-mounted IC card compatible ATM (ATM corresponding to one biometric information) Example of a transaction process for a finger / palm vein-mounted IC card-compatible ATM (ATM that cannot support either biometric information) Example of finger vein authentication guidance screen Example of palm vein authentication guidance screen Biological selection guide screen example Security code transaction continuation guidance screen example Biometric authentication impossible guidance screen example

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... IC card, 101 ... ATM corresponding to finger / palm vein authentication, 102 ... ATM corresponding to finger vein authentication, 103 ... ATM corresponding to palm vein authentication, 104 ... Financial institution host computer (financial institution where the user has an account), 105: ATM not supporting biometric authentication, 106: Financial institution host computer (financial institution in which the user does not have an account), 201: Control unit (ATM), 202: Display unit, 203: Input unit, 204: IC card reading Writing unit 205 ... Passbook reading / writing unit 206 ... Main storage unit 207 ... Auxiliary storage unit 208 ... Transmission / reception unit 209 ... Biological information reading unit 210 ... Banknote deposit / withdrawal mechanism unit 211 ... Coin deposit / withdrawal mechanism , 221 ... control unit (IC card), 222 ... storage unit (IC card), 223 ... biometric information collating unit, 231 ... biometric information reading command unit, 232 ... guidance output unit, 33 ... biometric information transmitting unit, 234 ... biometric authentication result receiving unit, 235 ... before collating biometric information determining unit, 236 ... biometric information type recognition unit, 237 ... biological occurrence detection unit, 238 ... withdrawal instruction unit

Claims (10)

In an automated transaction system that conducts transactions based on user operations,
An information storage medium reading unit for reading information of the information storage medium;
A first biological information reading command unit that causes the first biological information reading unit to acquire the first biological information of the user;
A second biological information reading command unit for causing the second biological information reading unit to acquire the second biological information of the user;
When two pieces of biological information are stored in the information storage medium read by the information storage medium reading unit, a guidance output unit that outputs a guide for selecting which biological information is used to perform authentication processing When,
An input unit for detecting a selection input corresponding to the guidance;
A first biological information transmitting unit that transmits the first biological information acquired by the first biological information reading unit to the biological information collating unit when the first biological information is selected and input by the input unit;
A first biometric information matching result receiving unit that receives a matching result related to the first biometric information from the biometric information matching unit;
A second biological information transmitting unit that transmits the second biological information acquired by the second biological information reading unit to the biological information collating unit when the second biological information is selected and input by the input unit;
A second biometric information matching result receiving unit that receives a matching result related to second biometric information from the biometric information matching unit;
Have In an automatic transaction system that performs a user's desired transaction,
An information storage medium reading unit for reading information of the information storage medium;
A first biological information reading command unit that causes the first biological information reading unit to acquire the first biological information of the user;
A second biological information reading command unit for causing the second biological information reading unit to acquire the second biological information of the user;
A pre-matching biometric information determining unit that determines biometric information to be subjected to the matching process first from the first biometric information and the second biometric information based on the priorities registered in advance;
When the biometric information that is subjected to the collation process previously determined by the destination verification biometric information determination unit is the first biometric information, the first biometric information acquired by the first biometric information reading unit is determined as the biometric information. A first biological information transmission unit for transmitting to the information verification unit;
A first biometric information matching result receiving unit that receives a matching result related to the first biometric information from the biometric information matching unit;
When the biometric information that is subjected to the collation processing previously determined by the pre-verification biometric information determination unit is the second biometric information, the second biometric information acquired by the second biometric information reading unit is A second biological information transmission unit for transmitting to the biological information verification unit;
A second biometric information matching result receiving unit that receives a matching result related to second biometric information from the biometric information matching unit;
Have In an automatic transaction system that performs predetermined transactions,
An information storage medium reading unit for reading information of the information storage medium;
A first biological information reading command unit that causes the first biological information reading unit to acquire the first biological information of the user;
A second biological information reading command unit for causing the second biological information reading unit to acquire the second biological information of the user;
A guidance output unit that outputs a guidance of an authentication operation using the first biological information or the second biological information to the user;
A living body appearance detection unit that detects that a living body has appeared at a readable position of the first biological information reading unit or the second biological information reading unit;
If the appearance of a living body in the first biological information reading unit is detected by the biological appearance detection unit before guiding the authentication operation of the guidance output unit, the authentication with the first biological information is determined, and When the biological appearance detection unit detects the appearance of a living body in the second biological information reading unit before guiding the authentication operation of the guidance output unit, the destination for determining the authentication with the second biological information A verification biometric information determination unit;
Have In the automatic transaction system according to claims 1 to 3,
If the first biometric information matching result receiving unit receives a matching result indicating a matching mismatch before the second biometric information matching result receiving unit receives the matching result, the guidance output unit outputs the second biometric information. The second biological information transmitting unit transmits the acquired second biological information to the biological information matching unit;
When the second biometric information matching result receiving unit receives a matching result indicating a matching mismatch before the first biometric information matching result receiving unit receives the matching result, the guidance output unit receives the first biometric information. The acquisition is guided, and the first biological information transmitting unit transmits the acquired first biological information to the biological information matching unit. In an automated transaction system that conducts transactions based on customer operations,
An information storage medium reading unit for reading information of the information storage medium;
A biometric information reading instruction unit that causes the biometric information reading unit to acquire the biometric information of the customer;
A biological information type recognition unit that recognizes the type of biological information supported by the biological information reading unit connected to the automatic transaction system;
A biometric information transmitting unit that transmits biometric information acquired by the biometric information reading unit to a biometric information matching unit;
A biometric information verification result receiving unit that receives a verification result related to biometric information from the biometric information verification unit;
Have In the automatic transaction system according to claims 1 to 5,
A deposit / withdrawal mechanism section for depositing / withdrawing;
When the collation result received by the biometric information collation result receiving unit or the first biometric information collation result receiving unit or the second biometric information collation result receiving unit is successful, the withdrawal is performed from the deposit / withdrawal mechanism unit. A deposit / withdrawal command section,
Have The automatic transaction system according to claim 1 to 6,
The biometric information matching unit is included in the information storage medium. In an automatic transaction method executed by an automatic transaction apparatus that performs money transactions,
Receiving a transaction selection input from a user;
Reading the information on the card;
Obtaining finger vein information or palm vein information of a user using the automatic transaction apparatus;
Recognizing what the transaction selected and input by the input unit is;
Determining whether finger vein information and palm vein information are stored in the card read by the card reading unit;
When finger vein information and palm vein information are stored, outputting a guidance for selecting which biometric information is used for the authentication process; and
When a selection input based on the guidance is detected, the biometric information matching unit
Performing a matching process between the finger vein information acquired by the finger vein information reading unit when the finger vein is selected and the finger vein information stored in advance in the card;
Performing a collation process between the palm vein information acquired by the palm vein information reading unit and the palm vein information stored in advance in the card when the palm vein is selected;
When any one of the finger vein and palm vein biometric information is stored, the step of recognizing whether the biometric information is finger vein or palm vein;
When the stored biological body is a finger vein, the biological information matching unit performs a matching process between the finger vein information acquired by the finger vein information reading unit and the finger vein information stored in the card in advance. Steps,
When the stored living body is a palm vein, the biological information matching unit performs a matching process between the palm vein information acquired by the palm vein information reading unit and the palm vein information previously stored in the card. Steps,
If none of the biometric information is stored, canceling the transaction;
Processing the transaction if the verification result is successful, and suspending the transaction if success is not achieved within a predetermined number of times for the verification result;
Have In an automatic transaction method executed by an automatic transaction apparatus that performs transactions according to user operations,
Selecting and entering the transaction desired by the user;
Reading the information on the card;
Obtaining finger vein information or palm vein information of a user using the automatic transaction apparatus;
Recognizing what the transaction selected and input by the input unit is;
Determining whether finger veins and palm veins are stored in the card read by the card reading unit;
A step of determining whether the finger vein information reading unit is further provided in the automatic transaction device when the finger vein and the palm vein are stored;
A step of performing collation processing between finger vein information acquired by the finger vein information reading unit and finger vein information stored in advance in the card when the finger vein information reading unit is provided;
When the finger vein information reading unit is not provided, a step of determining whether the automatic transaction apparatus is provided with a palm vein information reading unit;
A step of performing a collation process between the palm vein information acquired by the palm vein information reading unit and the palm vein information previously stored in the storage unit when the palm vein information reading unit is provided;
A step of canceling the transaction when the palm vein information reading unit is not provided;
When any one of the finger vein and palm vein biometric information is stored, the step of recognizing whether the biometric information is finger vein or palm vein;
A step of determining whether the finger vein information reading unit is further provided in the automatic transaction apparatus when it is a finger vein;
When the finger vein reading unit is provided, the finger vein reading unit reads the finger vein information and performs the authentication process using the finger vein;
Canceling the transaction when a palm vein information reading unit is provided; and
A step of determining whether the automatic transaction apparatus is provided with a palm vein information reading unit when it is a palm vein;
When the palm vein information reading unit is provided, the palm vein information reading unit reads the palm vein information and performs authentication processing using the palm vein information;
A step of canceling the transaction when a finger vein information reading unit is provided; and
If none of the biometric information is stored, canceling the transaction;
Processing the transaction if the verification result is successful, and suspending the transaction if success is not achieved within a predetermined number of times for the verification result;
Have In an automatic transaction method for automatically performing a user's desired transaction,
Automatic transaction equipment
An input step in which the user selects and enters a desired transaction;
Reading the information on the card;
Obtaining finger vein information or palm vein information of a user using the automatic transaction apparatus;
Recognizing what the transaction selected and input by the input unit is;
Determining whether the user is a user who is required for biometric authentication based on the information of the card read by the card reading unit;
Detecting that the user is a subject subject to biometric authentication, and performing an authentication process using a personal identification number;
Detecting that the user was not a subject subject to biometric authentication, and canceling the transaction;
Processing the transaction if the authentication process is successful;
Canceling the transaction if success is not achieved within a predetermined number of times for the verification result; and
Have

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