JP2008021074A - Transaction processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transaction processing system, enabling a customer having an account in a financial institution using living body authentication to execute transaction processing for the account in another financial institution that uses different biometric authentication, by using an automatic teller machine of the former financial institution. <P>SOLUTION: In the transaction processing system, a second host computer previously registers the institution identification information of a first financial institution and a first account number, corresponding to a second account number; and when the institution identification information and the first account number read out of a first transaction processing card and the second account number read out of a second transaction processing card match the registered information, a permission signal for permitting transaction processing is generated, based on the first account number and transmits the permission signal to an automatic teller machine (ATM). The ATM acquires customer's second biometric information, sends the customer's second biometric information to the second transaction processing card. The second transaction processing card collates the second biometric information, received from the ATM with the previously stored second biometric information; and when the collation result matches, the ATM executes transaction processing in between a first host computer. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention is a transaction process capable of reliably executing a transaction process using biometric authentication for each other account using an automatic transaction apparatus of a financial institution corresponding to one of a plurality of accounts held by a customer. About the system.

  The transaction processing system includes, for example, an automatic transaction apparatus installed in a store of financial institution A, a host computer of financial institution A connected to the automatic transaction apparatus, and a host computer of financial institution B that has a business alliance with financial institution A. Consists of Using this transaction processing system, the customer can insert the cash card of the financial institution A into the automatic transaction apparatus and execute each transaction processing for the customer's account in the financial institution A. It is also possible to insert a cash card into an automatic transaction apparatus and execute each transaction process for a customer account in the financial institution B.

  In the transaction processing system described above, in recent years, illegal transaction processing using counterfeit cards or the like has frequently occurred and has become a problem. For example, if a counterfeiter who forged a cash card illegally obtains a personal identification number in a customer's account, the counterfeiter can easily perform withdrawal of the deposit from the account, resulting in great damage. Become.

  In order to prevent the execution of such unauthorized transaction processing, each financial institution is unique to customers such as fingerprints and irises, finger vein information indicating finger vein patterns, palm vein information indicating palm vein patterns, etc. The security of transaction processing has been strengthened by introducing biometric authentication that uses personal biometric information to authenticate users.

  When using the biometric authentication described above, the customer needs to go to a financial institution and register his / her biometric information in advance. A registration device including a biometric information acquisition unit is installed at a financial institution window. For example, when the biometric information used for biometric authentication is finger vein information, the biometric information acquisition unit first captures the image of the customer's finger through infrared rays and acquires image information including the finger vein pattern. Then, the biological information acquisition unit performs image processing on the acquired image information by a predetermined method, extracts feature information of the finger vein pattern, and acquires finger vein information.

  When the above-described biometric information acquisition unit acquires the biometric information of the customer, that is, finger vein information, the registration device stores the acquired finger vein information as registered biometric information in the customer's cash card. The cash card further stores an account number in the customer's account and is provided with a verification unit for verification processing based on registered biometric information. And using this cash card, a customer can execute transaction processing using biometric authentication in an automatic transaction apparatus corresponding to biometric authentication installed in the store of the financial institution.

  For example, when performing withdrawal processing using the cash card, when the user inserts the cash card into the card insertion slot of the automatic transaction apparatus, the automatic transaction apparatus uses the biometric information acquisition unit to detect the user's biometric information, That is, finger vein information is acquired. Thereafter, the acquired finger vein information is sent to the cash card, and the collation unit provided in the cash card matches the registered biometric information stored in the cash card with the finger vein information sent from the automatic transaction apparatus. Determine whether you are doing it. If it is determined by the collating unit that they match, the user is authenticated as the customer, and the automatic transaction apparatus executes a withdrawal process with the host computer.

  However, conventionally, the biometric information used for the biometric authentication described above is different for each financial institution such as finger vein information and palm vein information and is not unified. In a transaction apparatus, transaction processing cannot be executed using a cash card of a financial institution that uses palm vein information.

  Even in a financial institution that adopts the same biometric information, for example, finger vein information, the biometric information acquisition method, for example, the image processing method for a captured image is currently different for each financial institution. is there. Therefore, in the automatic transaction apparatus of each financial institution, the cash card capable of executing transaction processing by biometric authentication is limited to only the cash card of the financial institution.

  Therefore, for example, a customer who has an account in each of the financial institutions A and B uses the automatic transaction apparatus in the automatic transaction apparatus of the financial institution A when the balance of the account of the financial institution A cannot be withdrawn. Since it is impossible to execute the withdrawal process from the account of the financial institution B, it is inconvenient.

  Therefore, a transaction processing system is desired in which a customer having a financial institution account using biometric authentication can execute transaction processing for another financial institution account using a different biometric authentication using the automatic transaction apparatus of the financial institution. It was rare.

  The present invention adopts the following configuration in order to solve the above points.

<Configuration 1>
In the transaction processing system according to the present invention, the first host computer of the first financial institution where the first account that employs the first biometric information of the customer is opened and the second account that employs the second biometric information of the customer are provided. A second host computer provided in the established second financial institution and connected to the first host computer, an automatic transaction apparatus of the second financial institution connected to the second host computer, and a first account corresponding to the first account 1 transaction processing card and a second transaction processing card corresponding to the second account, the automatic transaction device reads the institution identification information and the first account number of the first financial institution from the first transaction processing card And a card reading unit that reads the second account number from the second transaction processing card, and a device that transmits the read institution identification information, the first account number, and the second account number to the second host computer. The second host computer stores in advance the institution identification information and the first account number in correspondence with the second account number, the second host number received from the automatic transaction apparatus, Based on the institution identification information, the second host storage unit is searched to read the corresponding first account number, and whether or not the read first account number matches the first account number received from the automatic transaction apparatus. And a second host search generation unit that generates a permission signal indicating permission of the first financial institution transaction processing based on the first account number when it is determined to match the second host search determination unit that determines A second host transmission unit that transmits the permission signal to the automatic transaction apparatus, the automatic transaction apparatus receiving a permission signal from the second host computer, and a biological information acquisition unit that acquires the second biological information And take And an output unit for sending the second biometric information to the second transaction processing card, the second transaction processing card received from the biometric information storage unit for storing the second biometric information in advance and the automatic transaction apparatus A collation unit that performs collation processing between the second biometric information and the second biometric information stored in the biometric information storage unit and sends the collation result to the automatic transaction apparatus. In the case shown, the first financial institution transaction processing is executed with the first host computer via the second host computer.

  Moreover, when a collation result shows disagreement, an automatic transaction apparatus stops the 1st financial institution transaction process, It is characterized by the above-mentioned.

  In the transaction processing system according to the present invention, the automatic transaction apparatus further includes an input unit for allowing a customer to input a personal identification number in the first account, and the apparatus transmission unit further transmits the input personal identification number to the second host computer. The second host transmission unit further transmits the personal identification number received from the automatic transaction apparatus to the first host computer based on the institution identification information together with the first account number, and the first host computer transmits the personal identification number in each account. Is stored in correspondence with the first account number in the account, and the first host storage unit is searched based on the first account number received from the second host computer, and the corresponding personal identification number And the first host search judgment unit for judging whether or not the read personal identification number matches the personal identification number received from the second host computer. A first host signal generation unit that generates a continuation signal indicating continuation of the first financial institution transaction process, and a first host transmission unit that transmits the generated continuation signal to the second host computer. The second host transmission unit further transmits a continuation signal received from the first host computer to the automatic transaction apparatus, and the automatic transaction apparatus performs first financial institution transaction processing based on the continuation signal received from the second host computer. It is characterized by continuing.

  As the first transaction processing card, an IC card having an IC (Integrated Circuit) chip can be adopted. In this case, an IC card reading unit that performs reading processing on the IC chip is employed as the card reading unit.

  An IC card having an IC chip can be employed as the second transaction processing card. In this case, an IC card reading unit that performs reading processing on the IC chip is employed as the card reading unit, and an IC card writing unit that performs writing processing on the IC chip is employed as the output unit.

  In the transaction processing system according to the present invention, each of the first biological information and the second biological information is composed of different types of biological information, and as the biological information, finger vein information indicating a finger vein pattern and a palm indicating a palm vein pattern. Any of vein information, iris information indicating an iris pattern, and fingerprint information can be employed.

  The first biometric information and the second biometric information are each composed of biometric information acquired by the same type and different means, and the biometric information includes finger vein information indicating a finger vein pattern and palm vein information indicating a palm vein pattern. Any of iris information and fingerprint information indicating an iris pattern can be employed.

<Configuration 2>
In the transaction processing system according to the present invention, the first host computer of the first financial institution where the first account that employs the first biometric information of the customer is opened and the second account that employs the second biometric information of the customer are provided. A second host computer provided in the established second financial institution and connected to the second host computer, an automatic transaction apparatus of the second financial institution connected to the second host computer, and a first account corresponding to the first account The automatic transaction apparatus includes a biometric information acquisition unit that acquires the second biometric information, and an output unit that sends the acquired second biometric information to the first transaction processing card. The one transaction processing card includes a second biological information storage unit that stores second biological information in advance, second biological information received from the automatic transaction apparatus, and second biological information stored in the second biological information storage unit. Perform the matching process A second verification unit that sends the verification result to the automatic transaction apparatus, and the automatic transaction apparatus, when the verification result indicates a match, the first account number with the first host computer via the second host computer. The first financial institution transaction processing based on the above is executed.

  Moreover, when a collation result shows disagreement, an automatic transaction apparatus stops the 1st financial institution transaction process, It is characterized by the above-mentioned.

  In the transaction processing system according to the present invention, the automatic transaction apparatus provides the customer with the card reading unit that reads the institution identification information and the first account number of the first financial institution from the first transaction processing card, and the PIN number in the first account. An input unit for inputting, a device transmitting unit for transmitting the read institution identification information and the first account number, and the input personal identification number to the second host computer, wherein the second host computer is an automatic transaction device; And a second host transmission unit for transmitting the first account number and the password received from the automatic transaction apparatus to the first host computer based on the institutional identification information received from the first transaction computer. A first host storage unit for storing the number corresponding to the first account number in the account, and the first account number received from the second host computer Based on this, the first host storage unit is searched to read the corresponding personal identification number, and the first host retrieval is performed to determine whether the read personal identification number matches the personal identification number received from the second host computer. A first host signal generation unit that generates a continuation signal indicating continuation of transaction processing and a first host transmission unit that transmits the generated continuation signal to a second host computer when it is determined to match the determination unit; The second host transmission unit further transmits a continuation signal received from the first host computer to the automatic transaction apparatus, and the automatic transaction apparatus continues transaction processing based on the continuation signal received from the second host computer. It is characterized by that.

  An IC card having an IC chip can be adopted as the first transaction processing card. In this case, an IC card reading unit that performs reading processing on the IC chip is employed as the card reading unit, and an IC card writing unit that performs writing processing on the IC chip is employed as the output unit.

  In the transaction processing system according to the present invention, each of the first biological information and the second biological information is composed of different types of biological information, and as the biological information, finger vein information indicating a finger vein pattern and a palm indicating a palm vein pattern. Any of vein information, iris information indicating an iris pattern, and fingerprint information can be employed.

  The first biometric information and the second biometric information are each composed of biometric information acquired by the same type and different means, and the biometric information includes finger vein information indicating a finger vein pattern and palm vein information indicating a palm vein pattern. Any of iris information and fingerprint information indicating an iris pattern can be employed.

  According to the transaction processing system of the present invention, it is possible to execute transaction processing for an account of another financial institution using different biometric authentication by using an automatic transaction apparatus of a financial institution using biometric authentication. Serviceability is improved while maintaining security.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of a transaction processing system according to a first embodiment of the present invention.
As shown in FIG. 1, a transaction processing system 10 according to the present embodiment includes an automatic transaction apparatus 11 installed in a store of a financial institution “A” as a second financial institution, and a dedicated line to the automatic transaction apparatus 11. 12 and the second host computer 13 disposed in the center of the financial institution “A” and the center of the financial institution “B” as the first financial institution that forms a business alliance with the financial institution “A”. The first host computer 15 that can communicate with the second host computer 13 of the financial institution “A” via the communication line 14, the second IC card 16 as a customer cash card issued by the financial institution “A”, and The first IC card 17 is a customer's cash card issued by the financial institution “B”.
Using this transaction processing system 10, the customer uses the second IC card 16 issued by the financial institution “A” and the financial institution “B” in the automatic transaction apparatus 11 installed in the store of the financial institution “A”. By using the issued first IC card 17 together, it is possible to execute each transaction process such as a deposit / withdrawal process and a transfer process with respect to the customer's account in the financial institution “B”.

  In this embodiment, the financial institution “A” performs biometric authentication processing using customer finger vein information, and the financial institution “B” uses biometric authentication processing using customer palm vein information. It is assumed that

  As shown in FIG. 1, the automatic transaction apparatus 11 includes a display input unit 18, a temporary storage unit 19, an IC card reader / writer 20, a finger vein information acquisition unit 21, a device signal generation unit 22, a device communication unit 23, and each of these units. The apparatus control part 24 for controlling is provided.

  The display input unit 18 includes, for example, a touch panel, and functions as a display unit for displaying various screens such as a selection screen for causing the customer to select and an input screen for causing the customer to input, selection data, input data, and the like. And a function as an input unit that is input by a customer and acquired. The data acquired by the display input unit 18 is sent to a temporary storage unit 19 described later.

  The temporary storage unit 19 is a storage unit that temporarily stores data acquired by the display input unit 18 and data read by an IC card reader / writer 20 described later.

  The IC card reader / writer 20 is provided with a card insertion slot (not shown) for inserting an IC card as a cash card, and reads out various data such as an account number from a customer IC card inserted into the card insertion slot. And a function as a card writing unit for writing various data including data acquired by a finger vein information acquisition unit 21 to be described later to the IC card.

  The finger vein information acquisition unit 21 has a function as a biometric information acquisition unit. The finger vein information acquisition unit 21 captures image data by transmitting infrared rays through a customer's finger and acquires image information including a finger vein pattern. Image processing is performed by a predetermined method, and the feature information of the finger vein pattern is extracted to obtain finger vein information. The finger vein information acquired by the finger vein information acquisition unit 21 is sent by the IC card reader / writer 20 to the finger vein information matching unit 46 (described later) of the customer's second IC card 16.

  The device signal generator 22 has a function of generating various signals to be transmitted to the second host computer 13.

  The device communication unit 23 functions as a device transmission unit and a device reception unit, and transmits and receives data to and from the second host computer 13 via the dedicated line 12.

  As shown in FIG. 1, the second host computer 13 includes a second host communication unit 41, a partner organization information storage unit 25, a determination unit 26, a second host storage unit 27, a second host search determination unit 28, 2 host signal generation unit 29 and a second host control unit 30 for controlling these units.

  The second host communication unit 41 has functions as a second host transmission unit and a second host reception unit, and transmits and receives data to and from the automatic transaction apparatus 11 via the dedicated line 12. Data is transmitted to and received from the first host computer 15 via 14.

  The affiliated institution information storage unit 25 forms a business alliance with the financial institution “A”, and the automatic transaction apparatus 11 installed in the store of the financial institution “A” permits execution of transaction processing by proxy biometric authentication, which will be described later. Stores data about partner financial institutions.

FIG. 2 is an explanatory diagram illustrating an example of the configuration of the partner organization information storage unit.
As shown in FIG. 2, the affiliated institution information storage unit 25 stores institution identification information for identifying each financial institution that has a business alliance with the financial institution “A”. In addition, a type information item 31 and a limit amount information item 32 are provided in correspondence with the institution identification information.

  The type information item 31 stores type information indicating the type of biometric information used for biometric authentication in each partner financial institution. The limit amount information item 32 includes limit amount information indicating a limit amount for the transaction processing when the transaction processing is executed by proxy biometric authentication based on finger vein information in the automatic transaction apparatus 11 of the financial institution “A”. Stored. This limit information is to absorb the difference between the authentication accuracy of biometric authentication executed at each partner financial institution and the authentication accuracy of proxy biometric authentication based on finger vein information executed at financial institution “A”. Is set. For example, when the authentication accuracy by biometric authentication of the financial institution “A” is lower than the authentication accuracy of biometric authentication by the partner financial institution, the limit information to be set is low.

  For example, in the affiliated institution information storage unit 25 shown in FIG. 2, “palm vein information” is stored in the type information item 31 corresponding to the affiliated financial institution “B” having the institution identification information “B”. This indicates that the financial institution “B” performs biometric authentication processing using palm vein information. The corresponding limit amount information item 32 stores “1000000”, and the proxy biometric authentication is performed for the account of the financial institution “B” using the automatic transaction apparatus 11 of the financial institution “A”. Indicates that the limit amount when executing transaction processing is 1 million yen.

  When the financial institution is a bank, the institution identification information stored in the partner institution information storage unit is a bank code.

  The determination unit 26 is inserted into the automatic transaction apparatus 11 based on whether the institution identification information received from the automatic transaction apparatus 11 by the second host communication unit 41 is stored in the partner institution information storage unit 25. Whether or not transaction processing by proxy biometric authentication can be executed for the IC card is determined.

  The second host storage unit 27 stores second account information such as the second account number as the account number of the customer's account in the financial institution “A” and the second password as the password.

FIG. 3 is an explanatory diagram illustrating the configuration of the second host storage unit according to the first embodiment.
As shown in FIG. 3, the second host storage unit 27 stores, for each customer, a second account number as an account number in the customer's account, a second personal identification number as a personal identification number, and the like.

  The second host storage unit 27 is provided with an institution identification information item 33 and a partner account number item 34 corresponding to the institution identification information item 33 corresponding to each customer. The institution identification information item 33 includes the automatic transaction apparatus 11 of the financial institution “A” in order to enable execution of transaction processing by proxy biometric authentication for the customer account provided in the partner financial institution. Institution identification information of partner financial institutions is registered and stored in advance. Further, the corresponding partner account number item 34 stores a partner account number as an account number of a customer account in the partner financial institution.

  The second host storage unit 27 is further provided with a limit information item 35 corresponding to the institution identification information item 33 and the partner account number item 34. In the limit amount information item 35, the transaction processing when the transaction processing by proxy biometric authentication is executed for the account in the partner financial institution of the customer using the automatic transaction apparatus 11 of the financial institution “A”. The limit amount for is registered in advance.

In the second host storage unit 27 shown in FIG. 3, the organization identification information “B”, the alliance, A destination account number “1234567” and limit amount information “1000000” are stored. That is, the transaction processing using the biometric authentication in the automatic transaction apparatus 11 of the financial institution “A” for the account of the first account number “1234567” in the first financial institution “B” of the customer is 1,000,000 yen. It is feasible as a limit.
The limit information stored in the second host storage unit 27 is determined by each partner organization, and the limit specified by the limit information stored in the limit information item 32 of the partner organization information storage unit 25. It can be set in advance by the customer himself or the partner financial institution for an amount less than the amount.

  The second host search determination unit 28 searches the second host storage unit 27 based on the second account number received from the automatic transaction apparatus 11 by the second host communication unit 41, and receives each data, that is, the institution identification. It has a function of determining whether the information and the partner account number match each data stored in the second host storage unit 27.

  The second host signal generation unit 29 has a function of generating various signals to be transmitted to the automatic transaction apparatus 11 and the first host computer 15 of the financial institution “B” as the first financial institution.

  The second host control unit 30 has a function of controlling the above-described units 24 to 29.

  As shown in FIG. 1, the first host computer 15 controls the first host communication unit 36, the first host storage unit 37, the first host search determination unit 38, the first host signal generation unit 39, and these units. The first host control unit 40 is provided.

  The first host communication unit 36 functions as a first host transmission unit and a first host reception unit, and transmits and receives data to and from the second host computer 13 via the communication line 14.

  The first host storage unit 37 stores first account information such as the first account number as the account number of the customer's account in the financial institution “B” and the first password as the password.

FIG. 4 is an explanatory diagram illustrating the configuration of the first host storage unit according to the first embodiment.
As shown in FIG. 4, the first host storage unit 37 stores, for each customer, a first account number, a first password, and the like in the customer's account.

  The first host storage unit 37 shown in FIG. 4 stores a first account number “1234567” as an account number in the customer financial institution “B” and a first password “1234” as a password. ing.

  The first host search determination unit 38 searches the first host storage unit 37 based on the first account number received by the first host communication unit 36, and the received first password is the first host storage unit. 37 has a function of determining whether or not it matches the first password stored in 37.

  The first host signal generation unit 39 has a function of generating various signals to be transmitted to the second host computer 13 of the financial institution “A”.

  The first host control unit 40 has a function of controlling the above-described units 36 to 39.

  The second IC card 16 is a cash card issued to the customer by the financial institution “A”, and as shown in FIG. 1, the second account information storage unit 44, the finger vein information storage unit 45, and the finger vein information A verification unit 46 is provided.

  In the second account information storage unit 44, the institution identification information “A” for identifying the financial institution that issued the second IC card 16, the second account number “1111111” of the customer in the financial institution “A”, etc. Second account information is stored.

  The finger vein information storage unit 45 stores finger vein information acquired from the vein pattern of the customer's finger as registered finger vein information. The registered finger vein information stored in the finger vein information storage unit 45 is acquired at the window of the financial institution “A” using a finger vein information acquisition unit provided in a dedicated registration device, and the second IC card 16 Stored in

  The finger vein information matching unit 46 reads the customer's registered finger vein information stored in the finger vein information storage unit 45 and performs a matching process with the finger vein information sent from the IC card reader / writer 20 of the automatic transaction apparatus 11. Do. When the finger vein information matching unit performs the matching process, the finger vein information matching unit sends the matching result to the automatic transaction apparatus 11 side via the IC card reader / writer 20.

  The first IC card 17 is a cash card issued to the customer by the financial institution “B”. As shown in FIG. 1, the first account information storage unit 47, the palm vein information storage unit 48, and the palm vein information A verification unit 49 is provided.

  The first account information storage unit 47 includes institution identification information “B” for identifying the financial institution that issued the first IC card 17, the first account number “1234567” of the customer at the financial institution “B”, and the like. First account information is stored.

  In the palm vein information storage unit 48, palm vein information acquired from a customer's palm vein pattern is stored as registered palm vein information. The registered palm vein information stored in the palm vein information storage unit 48 is acquired at the window of the financial institution “B” using the palm vein information acquisition unit provided in a dedicated registration device, and the first IC card 17. Stored in

  The palm vein information matching unit 49 reads the registered palm vein information of the customer stored in the palm vein information storage unit 48, performs a matching process with the palm vein information sent to the first IC card 17, It has a function to send the verification result.

  Using the configuration of the transaction processing system 10 described above, in the automatic transaction apparatus 11 installed in the store of the financial institution “A”, transaction processing using biometric authentication for a customer account provided in the financial institution “B” In order to execute the above, the customer needs to make a registration application for proxy biometric authentication in advance at the window of the financial institution “A”.

  At the window of the financial institution “A”, a dedicated registration device for registering biometric information is installed to enable execution of transaction processing by biometric authentication in the automatic transaction apparatus 11. The registration device is connected to the second host computer 13 of the financial institution “A” via a dedicated line, and has the same finger vein information acquisition unit 21 provided in the automatic transaction device 11 of the financial institution “A”. It has a vein information acquisition unit and a biometric information acquisition unit that is the same as the biometric information acquisition unit used for biometric authentication in the automatic transaction apparatus of each financial institution that has a business alliance with the financial institution “A” .

FIG. 5 is a block diagram illustrating an example of the configuration of the registration system according to the first embodiment.
In the present embodiment, as shown in FIG. 5, the registration system 50 includes a registration device 51 installed at the window of the financial institution “A”, and a second connected to the registration device 51 via a dedicated line 52. It is composed of a host computer 13.

  As shown in FIG. 5, the registration device 51 includes a display unit 53, an input unit 54, an IC card reader / writer 55, a finger vein information acquisition unit 56, a palm vein information acquisition unit 57, a signal generation unit 58, and a registration device communication unit. 59 and a registration device control unit 60 for controlling these units.

  The display unit 53 includes a display, for example, and has a function of displaying a result of collation with respect to biometric information acquired from a customer.

  The input unit 54 is composed of a keyboard, for example, and inputs various data.

  The IC card reader / writer 55 has a function of reading various data such as an account number from the second IC card 16 or the first IC card 17 of the customer, finger vein information acquired by the finger vein information acquiring unit 56 described later, It has a function of sending palm vein information and the like acquired by the palm vein information acquisition unit 57 to the corresponding IC card.

  The finger vein information acquisition unit 56 has the same function as the finger vein information acquisition unit 21 provided in the automatic transaction apparatus 11 and acquires finger vein information from the customer's finger.

  The palm vein information acquisition unit 57 has the same function as the palm vein information acquisition unit as a biological information acquisition unit provided in the automatic transaction apparatus of the financial institution “B”, and transmits infrared light to the customer's palm. After photographing and acquiring image information including the vein pattern of the palm, feature information extracted from the image information by a predetermined method is acquired as palm vein information.

  The signal generator 58 generates various signals to be transmitted to the second host computer 13.

  The registration device communication unit 59 has a function of performing communication with the second host computer 13 via the dedicated line 52.

  The registration device control unit 60 has a function of controlling each of the units 53 to 59.

  Next, the flow of registration processing executed in the registration system 50 after the customer makes a registration application for proxy biometric authentication at the counter of the financial institution “A” will be described with reference to the flowchart shown in FIG. .

  FIG. 6 is a flowchart showing the operation in the first embodiment of the registration system.

  When a bearer who has the second IC card 16 and the first IC card 17 makes a registration application for proxy biometric authentication at the window of the financial institution “A”, the person in charge of the window, via the input unit 54, Input for registration.

  Subsequently, when the first IC card 17 is inserted into the IC card reader / writer 55, the IC card reader / writer 55 reads the institution identification information “B” and the first account number “1234567” from the first IC card 17 ( In step S301, the registration device control unit 60 controls the registration device communication unit 59 to transmit the read engine identification information to the second host computer 13 (S302).

  In the second host computer 13, when the second host communication unit 41 receives the organization identification information “B” from the registration device 51, the second host control unit 30 informs the determination unit 26 that the organization identification information is the partner organization information. It is determined whether or not proxy biometric authentication is possible based on whether or not it is stored in the storage unit 25 (S303).

  If it is determined that it is stored, the determination unit 26 determines that the financial institution “B” is a partner financial institution capable of transaction processing by proxy biometric authentication (S303), and the second host control unit 30 Then, the second host signal generation unit 29 is caused to generate a biometric authentication permission signal indicating that proxy biometric authentication is possible. Further, the second host control unit 30 reads the type information “palm vein information” and the limit amount information “1000000” from the type information item 31 and the limit amount information item 32 corresponding to the institution identification information “B”, and Along with the generated biometric authentication permission signal, the second host communication unit 41 transmits the signal to the registration device 51 (S304).

  When it is determined that it is not stored (S303), the second host signal generation unit 29 generates a biometric authentication non-permission signal indicating that proxy biometric authentication is not possible, and the second host communication unit 41 causes the second host communication unit 41 to A biometric authentication non-permission signal is transmitted to the registration device 51. In response to the signal, the registration device 51 ejects the first IC card 17.

  In the registration device 51, when the registration device communication unit 59 receives the biometric authentication permission signal, type information and limit amount information from the second host computer 13, the registration device control unit 60 notifies that proxy biometric authentication is possible. A screen for prompting acquisition of the received type information, that is, “palm vein information” is displayed on the display unit 53.

  When the bearer places his / her palm at a predetermined position of the palm vein information acquisition unit 57 in accordance with the instruction of the attendant who viewed the screen, the palm vein information acquisition unit 57 acquires the palm vein information from the palm of the bearer, and the IC card reader The writer 55 sends the acquired palm vein information as the bearer palm vein information to the first IC card 17 (S305).

  In the first IC card 17, when the palm vein information collation unit 49 receives the bearer palm vein information from the registration device 51, a collation process is performed based on the registered palm vein information stored in the palm vein information storage unit 48. The collation result is notified to the registration device 51 (S306).

  Upon receiving the collation result that the bearer palm vein information matches the registered palm vein information by the palm vein information collation unit 49 (S306), the registration device control unit 60 is the customer who has the first IC card 17 as the bearer. It is recognized that there is, and a screen showing the result of matching is displayed on the display unit 53.

  Upon receiving the collation result that does not match (S306), the collation result is displayed on the display unit 53, and the registration device 51 ejects the first IC card 17.

  Subsequently, when the second IC card 16 is inserted into the IC card reader / writer 55, the IC card reader / writer 55 reads the registered account number “1111111” from the second IC card 16 (S307).

  Then, when the bearer places a finger at a predetermined position of the finger vein information acquisition unit 56 according to the instruction of the staff, the finger vein information acquisition unit 56 acquires the finger vein information from the finger of the bearer, and the IC card reader / writer 55 The acquired finger vein information is sent to the second IC card 16 as bearer finger vein information (S308).

  In the second IC card 16, when the finger vein information matching unit 46 receives the bearer finger vein information from the registration device 51, the matching process is performed based on the registered finger vein information stored in the finger vein information storage unit 45, The verification result is notified to the registration device 51 (S309).

  When the finger vein information collating unit 46 receives a collation result indicating that the bearer finger vein information matches the registered finger vein information (S309), the registration device control unit 60 is the customer who has the second IC card 16 as the customer. It recognizes that it exists, recognizes that it is the same person as the customer who has the 1st IC card 17, and displays the screen which shows this collation result on the display part 53. FIG.

  Upon receiving the collation result that does not match (S309), the collation result is displayed on the display unit 53, and the registration device 51 ejects the second IC card 16 and the first IC card 17.

  Subsequently, the registration device control unit 60 causes the signal generation unit 58 to generate a registration request signal for requesting registration for proxy authentication. Then, the second account number “1111111” read from the second IC card 16 by the IC card reader / writer 55, the institution identification information “B” and the first account number “1234567” read from the first IC card 17, 2 The limit information received from the host computer 13 is transmitted to the second host computer 13 through the registration device communication unit 59 together with the generated registration request signal (S310). At that time, the clerk can operate the input unit 54 as necessary to make correction input for the limit information displayed on the display unit 53. However, the corrected limit indicated by the corrected limit information must be within the limit indicated by the limit information received from the second host computer 13.

  In the second host computer 13, when the second host communication unit 41 receives the registration request signal, the second account number, the institution identification information, the first account number, and the limit amount information from the registration device 51, the second host control unit 30 Then, the information is stored in the institution identification information item 33, the partner account number item 34, and the limit amount information item 35 corresponding to the second account number in the second host storage unit 27 (S311).

  Subsequently, the second host control unit 30 controls the second host signal generation unit 29 to generate a registration completion signal indicating that registration for proxy biometric authentication is completed, and the registration completion signal is sent to the second host control unit 30. The host communication unit 41 transmits to the registration device 51 (S312).

  In the registration device 51, when the registration device communication unit 59 receives a registration completion signal from the second host computer 13, the registration device control unit 60 displays a registration completion screen indicating the completion of registration on the display unit 53 and an IC card reader. The writer 55 ejects the second IC card 16 and the first IC card 17 (S313), and the registration process for proxy biometric authentication is completed.

  As described above, the account number in the account of the customer's financial institution “B” is registered in the second host computer 13 of the financial institution “A”, and the transaction by proxy biometric authentication in the automatic transaction apparatus 11 of the financial institution “A” is performed. The process can be executed.

  The application procedure for proxy biometric authentication is not limited to this. For example, communication is performed between the second host computer 13 of the financial institution “A” and the first host computer 15 of the financial institution “B”, and by comparing and judging each registered information, the customer is the same. If authenticated as a person, it is possible to register the first account number as the partner account number in the second host computer 13 to enable proxy biometric authentication.

  Next, a customer who holds the second IC card 16 of the second account number “1111111” of the financial institution “A” and the first IC card 17 of the first account number “1234567” of the financial institution “B” The operation of the transaction processing system 10 when executing transaction processing for a customer's account in the financial institution “B” using the automatic transaction apparatus 11 of FIG. This will be described with reference to the flowchart shown in FIG.

  FIG. 7 is a flowchart showing the operation in the first embodiment of the transaction processing system according to the present invention.

  When the customer stands in front of the automatic transaction apparatus 11, it is detected by a detection sensor (not shown), and a detection signal is sent to the apparatus control unit 24. Upon receiving this detection signal, the device control unit 24 controls each unit.

  First, the device control unit 24 reads a transaction process selection screen for allowing a customer to select a transaction process from a screen storage unit (not shown) and displays the transaction process selection screen on the display input unit 18 (S101).

  When a selection button for selecting execution of transaction processing for an account of a partner financial institution is selected on the transaction processing selection screen, a selection signal indicating the selection is transmitted from the display input unit 18 to the device control unit 24.

  In response to the selection signal, the device control unit 24 causes the display input unit 18 to display a partner card insertion screen (not shown) for allowing the customer to insert the first IC card of the partner financial institution (S102).

  When the customer inserts the first IC card 17 into the card insertion slot of the IC card reader / writer 20 on the partner card insertion screen, the IC card reader / writer 20 reads the institution identification information from the first account information storage unit 47 of the first IC card 17. “B” and the first account number “1234567” are read (S103). Each read data is sent to and temporarily stored in the temporary storage unit 19.

  Subsequently, the device control unit 24 reads out the engine identification information “B” from the temporary storage unit 19 and causes the device communication unit 23 to transmit the engine identification information “B” to the second host computer 13 (S103).

  In the second host computer 13, when the second host communication unit 41 receives the institution identification information “B” from the automatic transaction apparatus 11, the second host control unit 30 controls the determination unit 26 so that the institution identification information is Based on whether the financial institution is stored in the affiliated institution information storage unit 25, it is determined whether or not the financial institution is an affiliated financial institution capable of executing transaction processing by proxy biometric authentication (S104).

  When it is determined by the determination unit 26 that the financial institution is a partner financial institution capable of proxy biometric authentication (S104), the second host control unit 30 uses the second host signal generation unit 29. A continuation signal indicating continuation of the transaction process is generated and transmitted to the automatic transaction apparatus 11 by the second host communication unit 41 (S105).

  When it is determined that it is not stored (S104), the second host signal generation unit 29 generates a non-permission signal indicating that transaction processing is not possible, and the second host communication unit 41 causes the non-permission signal. Is transmitted to the automatic transaction apparatus 11. In response to the signal, the automatic transaction apparatus 11 ejects the first IC card 17.

  In the automatic transaction apparatus 11, when the apparatus communication unit 23 receives the continuation signal from the second host computer 13, the apparatus control unit 24 continues to show the customer to insert the second IC card 16 of the financial institution “A”. The second card insertion screen is displayed on the display input unit 18 (S106).

  When the customer inserts the second IC card 16 into the card insertion slot of the IC card reader / writer 20 on the second card insertion screen, the IC card reader / writer 20 reads the institution identification information from the second account information storage unit 44 of the second IC card 16. “A” and the second account number “1111111” are read (S107). Each read data is sent to and temporarily stored in the temporary storage unit 19.

  Subsequently, the device control unit 24 reads each institution identification information and the corresponding account number stored in the temporary storage unit 19, and the device communication unit 23 transmits these data to the second host computer 13 (S108). .

  In the second host computer 13, the second host communication unit 41 sends the institution identification information “A” and the corresponding second account number “1111111”, the institution identification information “B” and the corresponding first account number from the automatic transaction apparatus 11. When “1234567” is received, the second host control unit 30 controls the second host search determination unit 28 to store the second host based on the second account number “1111111” corresponding to the institution identification information “A”. The unit 27 is searched. The second host search determination unit 28 determines whether or not the institution identification information “B” and the first account number “1234567” received from the automatic transaction apparatus 11 are stored corresponding to the second account number. (S109).

  If it is determined that it is stored (S109), the second host control unit 30 can execute transaction processing by proxy biometric authentication using the first IC card 17 issued by the affiliated financial institution “B”. The second host signal generation unit 29 generates a continuation signal, and causes the second host communication unit 41 to transmit the continuation signal to the automatic transaction apparatus 11 (S110).

  If it is determined that it is not stored, the second host signal generation unit 29 generates a non-permission signal, and the second host communication unit 41 transmits the non-permission signal to the automatic transaction apparatus 11. Then, the automatic transaction apparatus 11 discharges the second IC card 16 and the first IC card 17.

  In the automatic transaction apparatus 11, when the apparatus communication unit 23 receives the continuation signal from the second host computer 13, the apparatus control unit 24 displays a finger vein information acquisition screen for acquiring the finger vein information of the customer on the display input unit 18. It is displayed (S111).

  When the user places a finger at a predetermined position of the finger vein information acquisition unit 21 in accordance with the guidance displayed on the finger vein information acquisition screen, the finger vein information acquisition unit 21 transmits the infrared rays and images the user's finger. After obtaining the image information of the finger vein pattern, predetermined image processing is performed on the image information to obtain user finger vein information as finger vein information used for biometric authentication (S112).

  Subsequently, the apparatus control unit 24 sends the acquired user finger vein information to the second IC card 16 of the user issued by the financial institution “A” inserted in the IC card reader / writer 20.

  When the second IC card 16 receives the user finger vein information from the IC card reader / writer 20, the finger vein information collating unit 46 stores the registered finger vein information stored in the finger vein information storage unit 45 of the second IC card 16. And the user finger vein information and the registered finger vein information are collated (S113).

  When the finger vein information matching unit 46 determines that the user finger vein information matches the registered finger vein information (S113), the determination result that the user is the customer is sent via the IC card reader / writer 20. It is sent to the device control unit 24.

  In response to the determination result, the device control unit 24 displays a partner password input screen (not shown) for allowing the customer to input the partner password corresponding to the first IC card 17 of the financial institution “B”. (S114).

  When it is determined that they do not match (S113), the display input unit 18 displays a screen for notifying the comparison result, and the IC card reader / writer 20 ejects the second IC card 16 and the first IC card.

  When the customer inputs the first personal identification number “1234” via the display input unit 18 on the partner personal identification number input screen, the device control unit 24 generates a proxy biometric authentication signal indicating that the proxy biometric authentication has been performed, as a device signal generation unit. The institution identification information “B” read from the first IC card 17, the first account number “1234567”, and the input first password “1234” are generated together with the proxy biometric authentication signal The unit 23 transmits the data to the second host computer 13 (S115).

  In the second host computer 13, when the second host communication unit 41 receives the proxy biometric authentication signal, the institution identification information, the first account number, and the first password from the automatic transaction apparatus 11, the second host control unit 30 Based on the received institution identification information “B”, the second host communication unit 41 is controlled to transmit the received data together with the institution identification information “A” of the second financial institution to the corresponding first host computer 15. (S116).

  In the first host computer 15, the first host communication unit 36 receives the proxy biometric authentication signal, the first account number “1234567”, the first password “1234”, and the institution identification information “A” from the second host computer 13. Then, the first host control unit 40 controls the first host search determination unit 38 to search the first host storage unit 37 based on the received first account number, and stores the first stored correspondingly. It is determined whether the personal identification number matches the received first personal identification number (S117).

  When it is determined that they match (S117), the first host control unit 40 controls the first host signal generation unit 39 to generate a continuation signal indicating the continuation of the transaction process, and causes the first host communication unit 36 to The continuation signal is transmitted to the second host computer 13 based on the received engine identification information “A” (S118).

  If it is determined that they do not match (S117), a non-permission signal generated by the first host computer 15 is transmitted to the automatic transaction apparatus 11 via the second host computer 13. Upon receiving the non-permission signal, the automatic transaction apparatus 11 ejects the second IC card 16 and the first IC card 17.

  In the second host computer 13, when the second host communication unit 41 receives the continuation signal from the first host computer 15, the second host control unit 30 sends the continuation signal to the automatic transaction apparatus 11 to the second host communication unit 41. Transmit (S119).

  In the automatic transaction apparatus 11, when the apparatus communication unit 23 receives the continuation signal from the second host computer 13, the automatic transaction apparatus 11 communicates with the first host computer 15 via the second host computer 13 in a financial institution. With respect to the account of the first account number “1234567” of “B”, a withdrawal process equal to or less than the amount indicated by the limit information received from the second host computer 13 is executed (S120). When cash is discharged from a cash discharge unit (not shown) of the automatic transaction apparatus 11, the apparatus control unit 24 transfers the second IC card 16 and the first IC card 17 together with the receipt on which the transaction processing details are printed, to the IC card reader / writer 20. (S121).

  As mentioned above, by using the cash card of the partner financial institution that has a business alliance with the financial institution at the automatic transaction equipment installed in the store of the financial institution together with the cash card of the financial institution, Since transaction processing using biometric authentication for an institution's account can be performed, a customer can use the automatic transaction device of a nearby financial institution even if the account balance is insufficient and cannot withdraw money. Since it is possible to withdraw money from the account of the partner financial institution using the transaction device, it is not necessary to go to the place where the automatic transaction device is installed in the partner financial institution, thereby improving serviceability.

  In the present embodiment, a registered biometric information storage unit and a verification unit for verification processing based on the registered biometric information are provided in the cash card, and the verification process with the customer biometric information is performed in the cash card. It is not limited to this. For example, a collation unit may be provided in the automatic transaction apparatus, and the automatic transaction apparatus may perform a collation process between registered biometric information read from a cash card and customer biometric information acquired from a customer. Similarly, the host computer can include a registered biometric information storage unit and a collation unit, and the host computer can execute collation processing with customer biometric information transmitted from the automatic transaction apparatus.

  In this embodiment, palm vein information is used as the first biological information, and finger vein information is used as the second biological information. However, dating information indicating an iris pattern, fingerprint information, and the like can also be used. It is. In addition, the same kind of biological information can be adopted as the first biological information and the second biological information. In this case, the first biological information and the second biological information are different from each other by different biological information acquisition units. Acquired by the method.

FIG. 8 is a block diagram showing a configuration of the transaction processing system according to the second embodiment of the present invention.
As shown in FIG. 8, the transaction processing system 70 according to the present embodiment is connected to an automatic transaction apparatus 11 installed in a store of a financial institution “A”, and the automatic transaction apparatus 11 via a dedicated line 12. The second host computer 71 arranged at the center of the financial institution “A” and the second host computer 71 arranged at the center of the financial institution “B” can communicate with the second host computer 71 of the financial institution “A” via the communication line 14. First host computer 72 and a customer's first IC card 73 issued by financial institution “B”.
Using this transaction processing system 70, the customer inserts the first IC card 73 issued by the financial institution “B” in the automatic transaction apparatus 11 installed in the store of the financial institution “A”, and the financial institution Each transaction process such as a withdrawal process and a transfer process for a customer account in “B” can be executed.

  In the present embodiment, the same configurations and operations as those in the first embodiment are denoted by the same reference numerals, and description thereof will be omitted.

  As shown in FIG. 8, the automatic transaction apparatus 11 includes a display input unit 18, a temporary storage unit 19, an IC card reader / writer 20, a finger vein information acquisition unit 21, a device signal generation unit 22, a device communication unit 23, and each of these units. The apparatus control part 24 for controlling is provided.

  As shown in FIG. 8, the second host computer 71 includes a second host communication unit 41, a partner organization information storage unit 25, a determination unit 26, a second host signal generation unit 29, and a second host for controlling these units. 2 host controller 74 is provided.

  As shown in FIG. 8, the first host computer 72 controls the first host communication unit 36, the first host storage unit 75, the first host search determination unit 76, the first host signal generation unit 39, and these units. The first host control unit 77 is provided.

  The first host storage unit 75 stores first account information such as the first account number as the account number of the customer's account in the financial institution “B” and the first password as the password.

FIG. 9 is an explanatory diagram illustrating the configuration of the first host storage unit according to the second embodiment.
As shown in FIG. 9, the first host storage unit 75 stores, for each customer, the first account number, the first password, and the like in the customer's account.

  The first host storage unit 75 is provided with an organization identification information item 78 and a type information item 79 corresponding to each customer. The institution identification information item 78 is registered in advance to enable execution of transaction processing using biometric authentication for the customer's account, that is, transaction processing using proxy biometric authentication, in an automatic transaction apparatus of another financial institution. Institution identification information of the financial institution is stored, and the type information item 79 stores type information indicating the type of biometric information used for proxy biometric authentication in the automatic transaction apparatus of the financial institution.

  The first host storage unit 75 shown in FIG. 9 corresponds to the first account number “1234567” as the account number in the customer financial institution “B” and the first password “1234” as the password, Institution identification information “A” and type information “finger vein information” are stored. That is, transaction processing by proxy biometric authentication can be executed for the customer's account using the automatic transaction apparatus 11 of the financial institution “A”, and the biometric information used for the transaction processing is: Finger vein information.

  The first IC card 73 is a cash card issued to the customer by the financial institution “B”. As shown in FIG. 8, the first account information storage unit 47, the palm vein information storage unit 48, and the palm vein information A collation unit 49, a finger vein information storage unit 80, and a finger vein information collation unit 81 are further provided.

The finger vein information storage unit 80 stores customer finger vein information as registered finger vein information.
As will be described later, the registered finger vein information stored in the finger vein information storage unit 80 is stored in the financial institution “A” at the window of the financial institution “A” at the time of registration processing for proxy biometric authentication. The registered finger vein information stored in the finger vein information storage unit 45 of the second IC card 16 issued by the above is copied and stored in the first IC card 73.

The finger vein information matching unit 81 reads the registered finger vein information of the customer stored in the finger vein information storage unit 80 and performs a matching process with the finger vein information sent from the IC card reader / writer 20 of the automatic transaction apparatus 11. Do. When the finger vein information matching unit performs the matching process, the finger vein information matching unit sends the matching result to the automatic transaction apparatus 11 side via the IC card reader / writer 20.
The finger vein information matching unit 81 is added to the first IC card 73 together with the finger vein information storage unit 80, as will be described later, in the registration process for the proxy biometric authentication described above.

  Using the configuration of the transaction processing system 70 described above, the customer uses the biometric authentication for the customer account in the financial institution “B” using the automatic transaction apparatus 11 installed in the store of the financial institution “A”. In order to execute the transaction processing, the customer needs to apply for registration for proxy biometric authentication in advance at the window of the financial institution “A”.

FIG. 10 is a block diagram illustrating an example of a configuration of a registration system according to the second embodiment.
In the present embodiment, as shown in FIG. 10, the registration system 90 includes a registration device 91 installed at the window of the financial institution “A”, and a second connected to the registration device 91 via a dedicated line 92. It comprises a host computer 71 and a first host computer 72 that can communicate with the second host computer 71.

  As shown in FIG. 10, the registration device 91 includes a display unit 53, an input unit 54, an IC card reader / writer 93, a finger vein information acquisition unit 56, a palm vein information acquisition unit 57, a signal generation unit 58, and a registration device communication unit. 59 and a registration device control unit 94 for controlling these units.

  The IC card reader / writer 93 reads various data such as an account number from the second IC card 16 or the first IC card 17, and finger vein information acquired by the finger vein information acquisition unit 56 or palm vein information acquisition unit 57. A function of sending palm vein information and the like acquired by the above to the IC card. Further, the IC card reader / writer 93 includes an adding unit 95 that adds a finger vein information matching unit 81 to the first IC card 17 as will be described later.

  Next, the flow of registration processing executed in the registration system 90 when the customer makes a registration application for proxy biometric authentication at the counter of the financial institution “A” will be described with reference to the flowchart shown in FIG. To do.

  FIG. 11 is a flowchart illustrating the operation in the second embodiment of the registration system.

  When a bearer with the second IC card 16 and the first IC card 17 as shown in FIG. 1 makes a registration application for proxy biometric authentication at the financial institution “A” window, An input for registration is performed via the unit 54.

  Subsequently, when the first IC card 17 is inserted into the IC card reader / writer 93, the IC card reader / writer 93 reads the institution identification information “B” and the first account number “1234567” from the first IC card 17 ( In step S301, the registration device control unit 94 controls the registration device communication unit 59 to transmit the read engine identification information to the second host computer 13 (S302).

  In the second host computer 71, when the second host communication unit 41 receives the engine identification information from the registration device 51, the second host control unit 74 notifies the determination unit 26 that the engine identification information is the partner organization information storage unit 25. (S303).

  If it is determined that it is stored, the determination unit 26 determines that the financial institution “B” is a partner financial institution capable of executing transaction processing by proxy biometric authentication (S303), and the second host control unit 74. Causes the second host signal generation unit 29 to generate a proxy biometric authentication enable signal indicating that proxy biometric authentication is possible. Further, the second host control unit 30 reads out the type information “palm vein information” from the type information item 31 corresponding to the institution identification information “B”, and generates the second host along with the generated proxy biometric authentication permission signal. The communication unit 41 transmits the data to the registration device 91 (S401).

  When it is determined that it is not stored (S303), the second host signal generation unit 29 generates a biometric authentication non-permission signal indicating that proxy biometric authentication is not possible, and the second host communication unit 41 causes the second host communication unit 41 to A biometric authentication non-permission signal is transmitted to the registration device 91. In response to the signal, the registration device 91 ejects the first IC card 17.

  In the registration device 91, when the registration device communication unit 59 receives the proxy biometric authentication permission signal and type information from the second host computer 71, the registration device control unit 94 notifies and receives that proxy biometric authentication is possible. A screen for prompting acquisition of type information, that is, “palm vein information” is displayed on the display unit 53.

  When the bearer places his / her palm at a predetermined position of the palm vein information acquisition unit 57 according to the instruction of the staff member who has seen the screen, the palm vein information acquisition unit 57 acquires the bearer palm vein information, and the IC card reader / writer 93 The acquired bearer palm vein information is sent to the first IC card 17 (S305).

  In the first IC card 17, when the palm vein information collation unit 49 receives the bearer palm vein information from the registration device 51, a collation process is performed based on the registered palm vein information stored in the palm vein information storage unit 48. The collation result is notified to the registration device 51 (S306).

  Upon receiving the collation result that the bearer palm vein information matches the registered palm vein information by the palm vein information collation unit 49 (S306), the registration device control unit 94 is the customer who has the first IC card 17 as the owner. It is recognized that there is, and a screen showing the result of matching is displayed on the display unit 53.

  Subsequently, when the second IC card 16 is inserted into the IC card reader / writer 93, the IC card reader / writer 55 reads the engine identification information “A” from the second IC card 16 (S402).

  Then, when the bearer places a finger at a predetermined position of the finger vein information acquisition unit 56 according to an instruction from the staff, the finger vein information acquisition unit 56 acquires the bearer finger vein information, and the IC card reader / writer 93 is acquired. The finger vein information is sent to the second IC card 16 (S308).

  In the second IC card 16, when the finger vein information matching unit 46 receives the bearer finger vein information from the registration device 91, a matching process is performed based on the registered finger vein information stored in the finger vein information storage unit 45, The verification result is notified to the registration device 91 (S309).

  When the finger vein information collating unit 46 receives a collation result indicating that the bearer finger vein information matches the registered finger vein information (S309), the registration device control unit 94 is the customer who has the second IC card 16 as the customer. It recognizes that it exists, recognizes that it is the same person as the customer who has the 1st IC card 17, and displays the screen which shows this collation result on the display part 53. FIG.

  Subsequently, the registration device control unit 94 causes the adding unit 95 of the IC card reader / writer 93 to copy the finger vein information storage unit 45 of the second IC card 16, and the copied finger vein information storage unit is used as the first IC card 17. Is written as the finger vein information storage unit 80 (S403). Further, the adding unit 95 adds a finger vein information matching unit 81 for performing a matching process on the finger vein information to the first IC card 17 under the control of the registration device control unit 94 (S403). As a result, the first IC card 73 (FIG. 8) in which the finger vein information storage unit 80 and the finger vein information matching unit 81 are added to the first IC card 17 shown in FIG. 1 is created.

  Subsequently, the registration device control unit 94 causes the signal generation unit 58 to generate a registration request signal for requesting registration for proxy authentication. The institution identification information “A” read from the second IC card 16 by the IC card reader / writer 93, the first account number “1234567” read from the first IC card 17, and the type received from the second host computer 13 The information “finger vein information” is transmitted to the second host computer 71 via the registration device communication unit 59 together with the generated registration request signal (S404).

  In the second host computer 71, when the second host communication unit 41 receives the registration request signal, the organization identification information, the first account number, and the type information from the registration device 91, the second host control unit 74 41 transmits these data to the first host computer 72 (S405).

  In the first host computer 72, when the first host communication unit 36 receives the registration request signal, the organization identification information, the first account number, and the type information from the second host computer 71, the first host control unit 77 The institution identification information and the type information are stored in the institution identification information item 78 and the type information item 79 corresponding to the first account number in the storage unit 75 (S406).

  Subsequently, the first host control unit 77 controls the first host signal generation unit 39 to generate a registration completion signal indicating that the registration is completed, and the first host communication unit 37 sends the registration completion signal. 2 Transmit to the host computer 71 (S407).

  In the second host computer 71, when the second host communication unit 41 receives the registration completion signal from the first host computer 72, the second host control unit 74 sends the registration completion signal to the registration device 91 by the second host communication unit 41. (S408).

  In the registration device 91, when the registration device communication unit 59 receives a registration completion signal from the second host computer 71, the registration device control unit 94 displays a registration completion screen indicating the completion of registration on the display unit 53 and an IC card reader. The second IC card 16 and the first IC card 73 are discharged to the writer 93 (S313), and the registration process for proxy biometric authentication is completed.

  As described above, a finger vein information verification unit for verifying finger vein information used in the automatic transaction apparatus 11 of the financial institution “A” is added to the customer's cash card issued by the financial institution “B”. In addition, by storing the registered finger vein information, transaction processing by proxy biometric authentication in the automatic transaction apparatus of the financial institution “A” can be executed.

  Next, a customer who has an account at the financial institution “A” and the financial institution “B” uses the first IC card 73 issued by the financial institution “B” to use the automatic transaction apparatus 11 of the financial institution “A”. FIG. 12 shows the operation of the transaction processing system 70 in the case where the transaction processing for the account with the first account number “1234567” at the financial institution “B” is executed, taking a withdrawal process using proxy biometrics as an example. It demonstrates along a flowchart.

  FIG. 12 is a flowchart showing the operation of the transaction processing system according to the second embodiment of the present invention.

  When a customer standing in front of the automatic transaction apparatus 11 is detected and a detection signal is sent to the apparatus control unit 24, the apparatus control unit 24 displays a transaction process selection screen on the display input unit 18 (S101).

  When a selection button for selecting execution of transaction processing in an account of a partner financial institution is selected on the transaction processing selection screen, a selection signal indicating the selection is transmitted from the display input unit 18 to the device control unit 24.

  In response to the selection signal, the device control unit 24 causes the display input unit 18 to display a partner card insertion screen (not shown) for allowing the customer to insert the first IC card 73 of the partner financial institution (S102).

  When the customer inserts the first IC card 73 into the card insertion slot of the IC card reader / writer 20 on the partner card insertion screen, the IC card reader / writer 20 identifies the institution from the first account information storage unit 47 of the first IC card 73. The information “B” and the first account number “1234567” are read (S201). Each read data is sent to and temporarily stored in the temporary storage unit 19.

  Subsequently, the device control unit 24 reads out the institution identification information “B” and the first account number from the temporary storage unit 19, and the device communication unit 23 obtains the institution identification information “B” and the first account number “1234567” in the first order. 2 Transmit to the host computer 71 (S201).

  In the second host computer 71, when the second host communication unit 41 receives the institution identification information “B” and the first account number “1234567” from the automatic transaction apparatus 11, the second host control unit 74 controls the determination unit 26. Then, based on whether or not the received institution identification information is stored in the partner institution information storage unit 25, it is determined whether or not the transaction process by proxy biometric authentication can be executed (S104).

  When the determination unit 26 determines that the financial institution “B” is a partner financial institution capable of proxy biometric authentication (S104), the second host control unit 74 uses the second host communication unit 41 to execute the automatic transaction apparatus 11. The first account number “1234567” received from the second host computer 71 and the institution identification information “A” of the second host computer 71 are transmitted to the corresponding first host computer 72 based on the received institution identification information “B” (S202). ).

  When it is determined that it is not stored (S104), the second host signal generation unit 29 generates a non-permission signal indicating that transaction processing is not possible, and the second host communication unit 41 causes the non-permission signal. Is transmitted to the automatic transaction apparatus 11. In response to the signal, the automatic transaction apparatus 11 ejects the first IC card 73.

  In the first host computer 72, when the first host communication unit 36 receives the first account number “1234567” and the institution identification information “A” from the second host computer 71, the first host control unit 77 performs the first host search. The determination unit 76 is controlled to store the first host storage unit 75 based on the first account number, and based on whether or not the received institution identification information is stored, the financial institution “A” is automatically A determination is made as to whether or not transaction processing by proxy biometric authentication in transaction device 11 can be executed (S203).

  When the first host search determination unit 76 determines that the institution identification information “A” is stored, that is, it is possible to execute transaction processing by proxy biometric authentication (S203), the first host control unit 77 The first host signal generation unit 39 is controlled to generate a proxy biometric authentication permission signal indicating that transaction processing by proxy biometric authentication is possible, and the first host communication unit 36 generates the proxy biometric authentication permission signal. 2 Transmit to the host computer 71 (S204).

  If it is determined that the institution identification information is not stored (S203), a proxy biometric non-permission signal indicating that transaction processing by proxy biometric authentication is not possible is generated and automatically transmitted via the second host computer 71. It is transmitted to transaction device 11. Upon receiving the proxy biometric authentication non-permission signal, the automatic transaction apparatus 11 ejects the first IC card 73.

  In the second host computer 71, when the second host communication unit 41 receives the proxy biometric authentication permission signal from the first host computer 72, the second host control unit 74 sends the proxy biometric authentication permission signal to the second host communication unit 41. Is transmitted to the automatic transaction apparatus 11 (S205).

  In the automatic transaction apparatus 11, when the apparatus communication unit 23 receives the proxy biometric authentication permission signal from the second host computer 13, the apparatus control unit 24 displays and inputs a finger vein information acquisition screen for acquiring customer finger vein information. It is displayed on the part 18 (S110).

  When the user places a finger at a predetermined position of the finger vein information acquisition unit 21 in accordance with the guidance displayed on the finger vein information acquisition screen, the finger vein information acquisition unit 21 transmits the infrared rays and images the user's finger. After obtaining the image information of the finger vein pattern, predetermined image processing is performed on the image information to obtain user finger vein information as finger vein information used for proxy biometric authentication (S111).

  Subsequently, the device control unit 24 sends the acquired user finger vein information to the first IC card 73 issued by the financial institution “B” inserted in the IC card reader / writer 20.

  When the first IC card 73 receives user finger vein information from the IC card reader / writer 20, the finger vein information matching unit 81 stores the registered finger vein information stored in the finger vein information storage unit 80 of the first IC card 73. And the user finger vein information and the registered finger vein information are collated (S206).

  When the finger vein information matching unit 81 determines that the user finger vein information matches the registered finger vein information (S206), the determination result that the user is the customer is sent to the device via the IC card reader / writer 20. It is sent to the control unit 24.

  In response to this determination result, the device control unit 24 displays a partner password input screen (not shown) for allowing the customer to input the first password corresponding to the first IC card 73 of the financial institution “B”. (S113).

  If it is determined that they do not match (S206), the collation result is displayed on the display input unit 18, and the first IC card 73 is ejected from the IC card reader / writer 20.

  When the customer inputs the first personal identification number “1234” via the display input unit 18 on the partner personal identification number input screen, the device control unit 24 generates a proxy biometric authentication signal indicating that the proxy biometric authentication has been performed, as a device signal generation unit. The institution identification information “B” read from the first IC card 73, the first account number “1234567”, and the input first password “1234” together with the proxy biometric authentication signal The data is transmitted to the second host computer 71 by the unit 23 (S114).

  In the second host computer 71, when the second host communication unit 41 receives the proxy biometric signal, the institution identification information, the first account number, and the first password from the automatic transaction apparatus 11, the second host control unit 74 The second host communication unit 41 is controlled to transmit the received data together with the engine identification information “A” of the second host computer to the corresponding first host computer 72 based on the received engine identification information “B”. (S115).

  In the first host computer 72, the first host communication unit 36 receives the proxy biometric authentication signal, the first account number “1234567”, the first password “1234”, and the institution identification information “A” from the second host computer 71. Then, the first host control unit 77 controls the first host search determination unit 76 to search the first host storage unit 75 based on the received first account number, and stores the first stored correspondingly. It is determined whether the personal identification number matches the received first personal identification number (S116).

  When it is determined that they match, the first host control unit 40 controls the first host signal generation unit 39 to generate a continuation signal indicating continuation of transaction processing, and causes the first host communication unit 36 to continue the continuation. The signal is transmitted to the second host computer 71 based on the engine identification information “A” (S117).

  In the second host computer 71, when the second host communication unit 41 receives the continuation signal from the first host computer 72, the second host control unit 74 sends the continuation signal to the automatic transaction apparatus 11 to the second host communication unit 41. Transmit (S118).

  In the automatic transaction apparatus 11, when the apparatus communication unit 23 receives the continuation signal from the second host computer 71, the automatic transaction apparatus 11 communicates with the financial institution “B” between the second host computer 71 and the first host computer 72. A withdrawal process for the account of the first account number “1234567” is executed (S119). When cash is withdrawn from a withdrawal unit (not shown) of the automatic transaction apparatus 11, the apparatus control unit 24 discharges the first IC card 73 from the IC card reader / writer 20 together with a receipt on which the details of the transaction process are printed (S206). ).

  As described above, by storing a plurality of biometric information and a matching unit corresponding to the biometric information in advance in a cash card, in an automatic transaction apparatus installed in a store of a financial institution, a cash card of another financial institution Transaction processing using biometric authentication for an account corresponding to the cash card can be executed using only the transaction card, and transaction processing for an account at a partner financial institution can be executed using an automatic transaction device. Improved serviceability is realized.

  In this embodiment, the customer having an account in each of the financial institution “A” and the financial institution “B” has been described as an example. However, when the customer has only the account of the financial institution “B”, the IC of the customer is also included. By registering in advance biometric information used by the financial institution “A”, for example, finger vein information, on the card, an automatic transaction apparatus installed in the store of the financial institution “A” is used. Transaction processing for the account “B” can be performed. In that case, after confirming the identity of the customer by a predetermined procedure in advance at the window of the financial institution “A” or “B”, using the finger vein information acquisition unit adopted by the financial institution “A”, It is necessary to acquire the registered finger vein information of the customer and store it in the IC card of the customer, and further add a corresponding finger vein information matching unit to the IC card.

  In this embodiment, palm vein information is used as the first biological information, and finger vein information is used as the second biological information. However, dating information indicating an iris pattern, fingerprint information, and the like can also be used. It is. In addition, the same kind of biological information can be adopted as the first biological information and the second biological information. In this case, the first biological information and the second biological information are different from each other by different biological information acquisition units. Acquired by the method.

It is a block diagram which shows the structure of Example 1 of the transaction processing system which concerns on this invention. It is explanatory drawing which shows an example of a structure of a partner organization information storage part. FIG. 3 is an explanatory diagram illustrating a configuration of a second host storage unit according to the first embodiment. FIG. 3 is an explanatory diagram illustrating a configuration of a first host storage unit according to the first embodiment. It is a block diagram which shows an example of a structure of the registration system in Example 1. FIG. It is a flowchart which shows the operation | movement in Example 1 of a registration system. It is a flowchart which shows operation | movement in Example 1 of the transaction processing system which concerns on this invention. It is a block diagram which shows the structure of Example 2 of the transaction processing system which concerns on this invention. FIG. 10 is an explanatory diagram illustrating a configuration of a first host storage unit according to the second embodiment. It is a block diagram which shows an example of a structure of the registration system in Example 1. FIG. It is a flowchart which shows the operation | movement in Example 2 of a registration system. It is a flowchart which shows operation | movement in Example 2 of the transaction processing system which concerns on this invention.

Explanation of symbols

10, 70 Transaction processing system 11 Automatic transaction device 13, 71 Second host computer 15, 72 First host computer 16 Second IC card 17, 73 First IC card

Claims (11)

A first host computer of a first financial institution that has a first account that employs the first biometric information of the customer, and a second financial institution that has a second account that employs the second biometric information of the customer A second host computer connected to the first host computer, an automatic transaction apparatus of the second financial institution connected to the second host computer, and a first transaction processing card corresponding to the first account And a transaction processing system including a second transaction processing card corresponding to the second account,
The automatic transaction apparatus is
A card reading unit that reads institution identification information and a first account number of the first financial institution from the first transaction processing card and reads a second account number from the second transaction processing card;
An apparatus transmitting unit that transmits the read institution identification information, the first account number, and the second account number to the second host computer;
The second host computer is
A second host storage unit that stores the institution identification information and the first account number in advance in association with the second account number;
Based on the second account number and the institution identification information received from the automatic transaction apparatus, the second host storage unit is searched to read the corresponding first account number, and the read first account number is A second host search determination unit that determines whether or not the first account number received from the automatic transaction apparatus matches the first account number;
A second host signal generation unit that generates a permission signal indicating permission of the first financial institution transaction processing based on the first account number when it is determined that they match;
A second host transmitter for transmitting the generated permission signal to the automatic transaction apparatus,
The automatic transaction apparatus is
A device receiver for receiving the permission signal from the second host computer;
A biological information acquisition unit for acquiring the second biological information;
An output unit for sending the acquired second biological information to the second transaction processing card;
The second transaction processing card is
A biological information storage unit for storing second biological information in advance;
A verification unit that performs verification processing between the second biological information received from the automatic transaction apparatus and the second biological information stored in the biological information storage unit, and sends a verification result to the automatic transaction apparatus;
The automatic transaction apparatus is
The transaction processing system, wherein, when the collation result indicates a match, the first financial institution transaction processing is executed with the first host computer via the second host computer.   2. The transaction processing system according to claim 1, wherein the automatic transaction apparatus stops the first financial institution transaction processing when the collation result indicates a mismatch. The automatic transaction apparatus is
An input unit for allowing the customer to input a personal identification number in the first account;
The device transmission unit further transmits the input personal identification number to the second host computer,
The second host transmission unit further transmits the personal identification number received from the automatic transaction apparatus to the first host computer based on the institution identification information together with the first account number,
The first host computer is
A first host storage unit for storing a personal identification number in each account in association with a first account number in the account;
Based on the first account number received from the second host computer, the first host storage unit is searched, the corresponding password is read out, and the read password is received from the second host computer. A first host search determination unit for determining whether or not the number matches,
A first host signal generation unit that generates a continuation signal indicating continuation of the first financial institution transaction process when it is determined that the two match;
A first host transmitter for transmitting the generated continuation signal to the second host computer,
The second host transmission unit further transmits the continuation signal received from the first host computer to the automatic transaction apparatus,
The transaction processing system according to claim 1, wherein the automatic transaction apparatus continues the first financial institution transaction processing based on the continuation signal received from the second host computer.   2. The first transaction processing card includes an IC card having an IC (Integrated Circuit) chip, and the card reading unit includes an IC card reading unit that performs a reading process on the IC chip. The transaction processing system described.   The second transaction processing card includes an IC card having an IC chip, the card reading unit includes an IC card reading unit that performs a reading process on the IC chip, and the output unit writes to the IC chip. 2. The transaction processing system according to claim 1, further comprising an IC card writing unit that performs processing. A first host computer of a first financial institution that has a first account that employs the first biometric information of the customer, and a second financial institution that has a second account that employs the second biometric information of the customer A second host computer connected to the second host computer, an automatic transaction apparatus of the second financial institution connected to the second host computer, and a first transaction processing card corresponding to the first account A transaction processing system including
The automatic transaction apparatus is
A biological information acquisition unit for acquiring the second biological information;
An output unit that sends the acquired second biological information to the first transaction processing card;
The first transaction processing card is:
A second biological information storage unit for storing second biological information in advance;
A second verification unit that performs a verification process between the second biological information received from the automatic transaction apparatus and the second biological information stored in the second biological information storage unit, and sends a verification result to the automatic transaction apparatus; With
The automatic transaction apparatus is
A transaction process for executing a first financial institution transaction process based on the first account number with the first host computer via the second host computer when the matching result indicates a match; system.   The transaction processing system according to claim 6, wherein the automatic transaction apparatus stops the first financial institution transaction processing when the collation result indicates a mismatch. The automatic transaction apparatus is
A card reader for reading institution identification information and a first account number of the first financial institution from the first transaction processing card;
An input unit for allowing the customer to input a personal identification number in the first account;
A device transmitting unit for transmitting the read institution identification information and the first account number and the input password to the second host computer;
The second host computer is
A second host transmission unit configured to transmit the first account number and the password received from the automatic transaction apparatus to the first host computer based on the institution identification information received from the automatic transaction apparatus;
The first host computer is
A first host storage unit for storing a personal identification number in each account in association with a first account number in the account;
Based on the first account number received from the second host computer, the first host storage unit is searched to read the corresponding password, and the read password is read from the second host computer. A first host search determination unit for determining whether or not the received personal identification number matches,
A first host signal generation unit that generates a continuation signal indicating continuation of transaction processing when it is determined that they match,
A first host transmitter for transmitting the generated continuation signal to the second host computer,
The second host transmission unit further transmits the continuation signal received from the first host computer to the automatic transaction apparatus,
The automatic transaction apparatus is
The transaction processing system according to claim 6, wherein the transaction processing is continued based on the continuation signal received from the second host computer.   The first transaction processing card includes an IC card having an IC chip, the card reading unit includes an IC card reading unit that performs a reading process on the IC chip, and the output unit writes to the IC chip. 7. The transaction processing system according to claim 6, further comprising an IC card writing unit that performs processing.   Each of the first biological information and the second biological information is composed of different types of biological information, and includes finger vein information indicating a finger vein pattern, palm vein information indicating a palm vein pattern, iris information indicating an iris pattern, and 7. The transaction processing system according to claim 1, comprising any one of fingerprint information. The first biological information and the second biological information are composed of biological information obtained by the same type and different means, respectively, finger vein information indicating a finger vein pattern, palm vein information indicating a palm vein pattern, iris pattern The transaction processing system according to claim 1, wherein the transaction processing system comprises any one of iris information and fingerprint information.

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