JP2008198089A - Automated cash transaction system - Google Patents

Abstract

【Task】
Unauthorized transactions can be prevented in advance by authenticating and conducting transactions with the accompanying users.
[Solution]
Information specific to the user and information to be traded and information about the companion for the user are registered in the file part of the host computer, and the ATM control unit obtains the companion from the information about the user obtained from the host computer. If the user selects the necessity of a companion transaction by displaying a guidance screen for the user to check whether the companion transaction is necessary or not, and checking the necessity of the companion transaction. The information input from the operation unit by the companion and the predetermined information of the companion information are collated to authenticate that the companion is an authorized person.
[Selection] Figure 1

Description

  The present invention relates to an automatic transaction system, and more particularly to authentication of a user in a cash automatic transaction apparatus (hereinafter referred to as ATM) that performs transactions such as cash deposits and withdrawals used in financial institutions such as post offices and banks. .

  When a cash transaction is made using ATM, a method of authenticating a legitimate person by collating a password entered by the user is used. Recently, in order to prevent forgery of a personal identification number, authentication using a user's biometric information as a more sophisticated method has been put into practical use.

  With regard to biometric authentication, for example, Patent Document 1 (Japanese Patent Laid-Open No. 2006-172375) proposes a means that makes it possible to obtain personal authentication by another method when the biometric authentication of the individual fails. In other words, when the person's biometric authentication fails, the person's face is photographed, and the matching feature value is calculated by comparing the registered feature quantity of the person and the person concerned with the photographed feature quantity from the face image. Even when the authentication of the person fails, if the related person is successfully authenticated, it is determined that the authentication of the person is successful.

JP 2006-172375 A

  The above-described prior art establishes authentication through the intervention of related persons despite the failure of the person's authentication. Therefore, for example, when an elderly person or a handicapped person who requires the intervention of a companion is forced to carry out an illegal transaction by a third party, or a user is tricked by a third party to induce an illegal transaction. It cannot be prevented against cases.

  An object of the present invention is to provide an automated cash transaction system that prevents unauthorized transactions by authenticating a companion even if there is a compulsion and guidance to unauthorized transactions in an automated cash transaction apparatus.

The cash transaction system according to the present invention is preferably a cash transaction system that displays a guidance screen for transactions and an operation unit that performs input for transactions by the user, and a transaction possessed by the user. An automatic cash transaction apparatus having a card mechanism unit for acquiring information of cards used for the transaction, a cash handling mechanism unit for handling traded cash, and a first control unit for performing processing for transactions; A file unit that is connected to the automatic teller machine and registers information unique to the user and information to be traded and information about the companion for the user, and a second control unit that performs transaction processing for the user or the companion A host computer having
The first control unit checks the presence / absence of the companion information from the information about the user obtained from the host computer, and displays a guidance screen for the user to confirm whether the companion is required for the transaction on the operation unit,
When it is selected by the user that a transaction by a companion is necessary, the first control unit collates information input from the operation unit by the companion with predetermined information included in the companion information. Thus, it is configured as an automatic cash transaction system characterized by authenticating that the accompanying person is a legitimate person.

  In the automatic cash transaction system, the authentication of the accompanying person is performed when the user selects that a transaction by the accompanying person is necessary, the first control unit receives the biometrics acquired from the operation unit by the accompanying person. By verifying the information and the information contained in the card possessed by the accompanying person, it is configured as an automatic cash transaction system characterized by authenticating that the accompanying person is an authorized person.

Furthermore, as another example, in place of authentication of the companion by the first control unit, information acquired by the second control unit of the host computer from the companion and information of the companion registered in the file unit It is comprised as an automatic cash transaction system characterized by authenticating a companion by collating the predetermined information contained in.
Further, in one example, when it is selected that a transaction by a companion is necessary, and the selection that the companion is not accompanied by the user is input from the operation unit, the first control unit Is configured as an automatic cash transaction system that displays a guidance screen by an attendant in the automatic cash transaction apparatus on the operation unit.

  According to the present invention, it is possible to prevent fraudulent transactions in advance by allowing transactions after authenticating that they are legitimate companions even if there are compulsion and guidance to fraudulent transactions with users. is there.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 shows a configuration of an automatic cash transaction system.
The ATM 1 is connected to a host computer (hereinafter simply referred to as a host) 9 via a network. The host 9 is sometimes called a server or a host device.

  ATM1 automatically performs transactions such as cash deposits and withdrawals requested by users. In order to realize this, a control unit 2, an operation unit (input / display unit) 3, a card mechanism unit / detail slip mechanism unit 4, a passbook mechanism unit 5, a banknote deposit / withdrawal mechanism unit 6, a coin deposit / withdrawal mechanism unit 7, And a line connection unit 8.

The operation unit 3 includes a display unit that displays operation guidance (guidance), announcement information, and the like related to transactions on a screen, and an input unit that receives a user's operation and an input pressed by a finger. For example, the operation unit 3 generally uses an input display unit configured by a touch panel or the like, and displays various information on the display screen. In the case of a touch panel, it has a mechanism for detecting pressing of an input item displayed on the display screen.
In this example, in order to perform authentication using the user's biological information, for example, finger veins, the input unit includes a reading unit that reads the finger veins.

The card mechanism / specification mechanism 4 inserts and ejects a cash card used at the time of ATM1 transaction, and also reads or writes magnetic stripe information added to the cash card (for example, magnetic head, magnetic reading). Part) and an image of the card embossed part. Further, the statement slip mechanism unit has a mechanism for printing the transaction contents on the statement slip by the printing unit and discharging the statement slip outside the ATM device. Here, it is preferable that the card mechanism unit and the statement slip mechanism unit are provided on the same unit so that the card and the statement slip can be simultaneously discharged and delivered to the user.
When performing biometric authentication, an IC card is preferable as the cash card, and the biometric information of the user is stored in the IC memory. The card mechanism section has a function of reading information (user personal information and biometric information) stored in the IC memory of the IC card.

The bankbook mechanism unit 5 has a bankbook insertion / discharge mechanism used during cash transactions, a printing unit for printing transaction information on the bankbook, and a magnetic head for reading the magnetic stripe information of the bankbook.
The banknote deposit / withdrawal mechanism unit 6 and the coin deposit / withdrawal mechanism unit 7 include a deposit / withdrawal mechanism for banknotes and coins (hereinafter collectively referred to as a medium), a discriminator for determining the authenticity of these media, and transports or stores the media It has a mechanism to do.
The line connection unit 8 transmits / receives transaction information to / from the line connection unit 11 of the host 9. The control part 2 controls each said part, and performs the process in ATM1 regarding a transaction. For this purpose, a program for executing transaction processing and authentication, a storage unit for storing transaction processing data, and a CPU for executing the program are included.

Next, the configuration of the host 9 will be described.
The host 9 is connected to the line connection unit 8 of the ATM 1 and transmits / receives data to / from the ATM 1 and the customer information file for storing the personal information of the user and the transaction information in association with the account information. A file unit (storage unit) 14 that stores the file 13, a customer information file control unit 12 that controls the files included in the file unit 14, and a host computer control unit 10 (hereinafter referred to as a host control unit) that controls these units. Have. The customer information file control unit 12 executes various processes such as information update and inquiry of the customer information file 13.

  The file unit 14 may store various other files in addition to the customer information file 13 that stores the personal information of the user and the transaction information in association with the account information. Further, the file unit 14 is desirably managed by dividing it into a plurality of files for different information, but may be managed as one file in this one file unit. Further, the function of each control unit such as the customer information file control unit 12 may be provided in the control unit 10, and processing of each file may be executed by the control unit 10.

FIG. 4 shows a configuration example of the customer information file 13.
As shown in the figure, in the customer information file 13, account information B and companion information C are formed in a tree structure based on the customer basic information A.
In the basic customer information A, the store number 1000 when the user opens an account, the identifiable customer number 1001 uniquely assigned to the user, the address 1002, the date of birth 1003, and the accompanying person's information Information 1004 is included.

Further, the account information B of the user includes an account number 1005, a deposit balance 1006, and a personal identification number 1007 held by the user.
The account information B may be associated with accompanying information C. The case where a companion is necessary is, for example, a case where the customer is a disabled person. The accompanying person information C includes the accompanying person's account information 1008 and the accompanying person's personal identification number 1009.

Next, an authentication processing operation of a companion who is a user will be described.
With reference to FIG. 3, the authentication process of the accompanying person in the transaction of ATM is demonstrated. In the following example, the user selects cash withdrawal as a transaction.
First, the control part 2 of ATM1 reads the guidance screen memorize | stored in the memory | storage part, and displays the initial screen of "welcome and transaction selection" on the display part of the operation part 3 (S100). On the initial screen, for example, withdrawal, deposit, transfer, balance inquiry, passbook printing, etc. are displayed as possible transaction items (this screen is referred to as a transaction selection screen). When the user selects “withdrawal” from these transaction items, the transaction starts (S101).

After selecting the withdrawal from the transaction selection screen, the user inserts a cash card into the card mechanism / detail slip printing unit 4 (S102). The card mechanism reads the magnetic stripe information of the cash card, and in the case of an IC card, reads the information (user's personal information and biometric information) stored in the IC memory.
Next, in accordance with the guidance displayed on the screen of the operation unit 3, the user inputs a password and an amount from the input unit (S103). Furthermore, biometric information is input from the input unit. The control unit 2 performs biometric authentication of the user by collating the input biometric information with the biometric information acquired from the IC card (S104). Next, when the user inputs the withdrawal amount from the operation unit 3 (S105), the control unit 2 displays the entered amount on the display unit and confirms the withdrawal amount to the user (S106). .

  When the confirmation of the withdrawal amount by the user is completed, the control unit 2 edits the data for withdrawal confirmation based on the information input by the user and transmits it to the host 9 for withdrawal with the host 9. Central communication is performed (S107). This central communication will be described later with reference to FIG.

  The ATM 1 receives a confirmation response from the host 9 by the central communication. The answer includes customer account information B, but in some cases, companion information C (FIG. 4) may be included. The control unit 2 determines whether or not an operation by the accompanying person is necessary for the user based on whether or not the accompanying person information C is included in the answer (S108).

  When it is determined that the companion is not necessary in the companion necessity determination, the control unit 2 continues the transaction, withdraws the withdrawal amount of cash (for example, banknote) (S109), and discharges the cash card and the statement slip ( S110). And if it detects that the user received the discharged | emitted cash, a series of withdrawal transactions will be complete | finished (S111).

  On the other hand, when the control unit 2 determines that a companion is necessary in the above companion necessity determination (S108), the control unit 2 displays a screen for confirming the companion (FIG. 5A) on the operation unit 3. Then, the user is prompted to select whether the accompanying person is accompanied (S112). The user selects “Yes” 51 or “No” 52 on the display screen according to the presence or absence of the accompanying person.

When the user selects “with accompanying person”, the control unit 2 discharges and returns the cash card of the user himself / herself (S113). Then, the accompanying person's cash card is inserted (S114). In addition, the password of the accompanying person is input, and the biological information of the accompanying person is read (S115). Then, the entered personal identification number and biometric information are checked and verified to authenticate the accompanying person. In this case, the companion password is checked by comparing the input password and the dark place number 1009 included in the companion information C included in the response from the host 9. The biometric authentication is performed by collating the biometric information read by the operation unit 3 with the biometric information stored in the IC card possessed by the accompanying person (S116).
As a result of the companion authentication, if the companion authentication is successful, the control unit 2 continues the withdrawal transaction and performs the processing operations of steps S109 to S111.

In the accompanying confirmation of the accompanying person, when “no accompanying person” is selected by the user, the control unit 2 displays a screen (FIG. 5B) for clerk intervention on the operation unit 3. As a result, the user waits for the bank staff to intervene. When the clerk comes to ATM1 and confirms with the user (S117), the control unit 2 continues the transaction and performs the processing operations of steps S109 to S111.
In this example, the account number and password of the companion are checked on the ATM 1 side, but this check can also be performed by the host 9.

Next, processing operations in the host will be described with reference to FIG.
When performing central communication for drawer confirmation (S107), the control unit 2 transmits a drawer confirmation request to the host 9 (S200). The host 9 accepts the withdrawal request transmitted from the ATM 1, and uses the store number and customer number in the account number of the cash card set or included in the withdrawal confirmation request by the customer information file control unit 12 as a customer information file. Using the customer's account number received from ATM 1 as the search for the store number 1000 and the customer number 1001 from the 13 customer basic information A, it is determined whether or not the transaction is possible based on the deposit balance 1006 and the password 1007 (S202).

  Next, the host 9 determines “necessity of accompanying person” from the basic customer information of the already searched customer information file 13 based on the necessity of accompanying person 1004 (S203). The host 9 edits the withdrawal confirmation reply according to “transaction availability” or “accompaniment necessity” and transmits it to the ATM 1 (S204). The ATM 1 accepts the withdrawal confirmation reply transmitted from the host 9 and executes the process shown in FIG. 2 (S205).

The figure which shows the structure of the cash automatic transaction system in one Example. The flowchart which shows the transaction processing in ATM. The flowchart which shows the transaction processing in a host computer. The figure which shows the structural example of the customer information file 13. FIG. The figure which shows an example of a companion confirmation screen and an attendant intervention screen.

Explanation of symbols

1: ATM, 2: control unit, 3: operation unit, 4: card mechanism unit / detail slip mechanism unit, 5: passbook mechanism unit, 6: bill deposit / withdrawal mechanism unit, 7: coin deposit / withdrawal mechanism unit, 8: line Connection unit, 9: Host computer, 10: Host computer control unit, 11: Line connection unit, 12: Customer information file control unit, 13: Customer information file

Claims (4)

In the cash transaction system, display information for transactions and obtain information on the operation unit that inputs for transactions by users and cards used for transactions possessed by users. An automatic cash transaction apparatus having a card mechanism unit, a cash handling mechanism unit that handles cash to be traded, and a first control unit that performs processing for transactions;
A file unit that is connected to the automatic teller machine and registers information unique to the user and information to be traded, and information on the companion for the user, and a transaction process for the user or the companion. A host computer having a control unit,
The first control unit checks the presence / absence of companion information from information about the user obtained from a host computer, and guides the operation unit to confirm whether the user needs a transaction by the companion. Is displayed,
When it is selected by the user that a transaction by a companion is necessary, the first control unit includes information input from the operation unit by the companion and a predetermined information included in the companion information. An automatic cash transaction system characterized by verifying that the accompanying person is a legitimate person by collating the information. In the cash transaction system, display information for transactions and obtain information on the operation unit that inputs for transactions by users and cards used for transactions possessed by users. An automatic cash transaction apparatus having a card mechanism unit, a cash handling mechanism unit that handles cash to be traded, and a first control unit that performs processing for transactions;
A file unit that is connected to the automatic teller machine and registers information unique to the user and information to be traded, and information on the companion for the user, and a transaction process for the user or the companion. A host computer having a control unit,
The first control unit checks the presence / absence of companion information from information about the user obtained from a host computer, and guides the operation unit to confirm whether the user needs a transaction by the companion. Is displayed,
When it is selected by the user that a transaction by a companion is necessary, the first control unit displays the biometric information acquired from the operation unit by the companion and the card possessed by the companion. The cash automatic transaction system characterized by verifying that the accompanying person is a legitimate person by collating the information contained in. Instead of authentication of the companion by the first control unit, the second control unit of the host computer includes information acquired from the companion and predetermined information included in the companion information registered in the file unit. The automatic cash transaction system according to claim 1, wherein the companion is authenticated by checking the information. When it is selected that a transaction by a companion is necessary, and the selection that the companion is not accompanied by the user is input from the operation unit, the first control unit The automatic cash transaction system according to any one of claims 1 to 3, wherein a guidance screen by an attendant is displayed on the operation unit in the automatic transaction apparatus.

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