JP2018185620A - Automatic transaction equipment - Google Patents

Abstract

[PROBLEMS] To improve the convenience of a user and reduce the paperwork of a financial institution while performing a user identification process.
A mobile terminal communication unit for communicating with a user's mobile terminal, a reader unit for reading a card medium for executing a transaction with the user, and a card medium obtained via the reader unit First identification information which is user identification information recorded in the mobile terminal and second identification information which is user identification information stored in the mobile terminal obtained via the mobile terminal communication unit. And a control unit that makes it possible to use an application of a mobile terminal for executing a transaction when the user is identified based on the identification of the user.
[Selection] Figure 3

Description

  The present invention relates to an automatic transaction apparatus that authenticates a user and identifies the user.

  Currently, biometric authentication based on the biometric information of the user is used as ATM (automated teller machine) of financial institutions and personal authentication means of a window. The purpose of this is to deter impersonation by a third party and fraudulent transactions using counterfeit cards.

Patent Document 1 describes a biometric authentication method using an IC card. As in this method, there is known a technique for performing identity authentication processing using biometric information safely registered in an IC card or the like and biometric information acquired by a biometric authentication device to determine whether or not a transaction can be executed.
In order to operate the personal authentication by biometric authentication, it is assumed that the biometric information of the user is registered. Registration of biometric information of users at financial institutions is conducted at a manned face-to-face window, and identity verification is performed using identification cards with face photographs. For this reason, if the identity of the user can be confirmed in the identity verification work, there is a case in which the identity authentication is operated in the subsequent transaction, assuming that the biometric authentication is successful and the identity authentication work is performed.

JP 2008-004104 A

  In recent years, with the spread of personal mobile terminals such as mobile phones and smartphones, there is an increasing need to use financial services for mobile terminals and mobile applications (cash card applications for mobile terminals) instead of conventional cash cards.

  In realizing this, a method of storing and using a mobile application in a mobile terminal can be considered. A means for obtaining the mobile application itself may be a means for downloading with a wireless communication function of the mobile terminal. However, in the administrative operations of financial institutions, the act of allowing the use of this app to start corresponds to cash card issuance work, so financial institutions need to carry out user identity verification from the viewpoint of impersonation and unauthorized use prevention. is there.

  Conventionally, since identity verification work is performed at a manned face-to-face window, the user needs to visit the window during limited business hours and perform procedures, which may reduce the convenience for the user. In addition, when financial institution starts using the mobile application, it takes time to carry out identity verification again.

  An object of the present invention is to improve the convenience of the user and reduce the paperwork of the financial institution while performing the user identification process.

  An automatic transaction apparatus according to the present invention includes a mobile terminal communication unit for communicating with a user's mobile terminal, a reader unit for reading a card medium for executing a transaction with the user, and the reader unit. The first identification information that is the identification information of the user recorded on the card medium obtained through the mobile terminal and the user stored in the mobile terminal obtained through the mobile terminal communication unit A control unit that identifies the user based on the second identification information that is the identification information of the mobile terminal, and enables the application of the mobile terminal to execute the transaction when the user can be identified It is comprised as an automatic transaction apparatus characterized by including these.

  Moreover, the automatic transaction apparatus concerning this invention is 1st identification information which is the identification information of the said user currently recorded on the card | curd medium for performing a transaction between a display part and a user, A control unit that identifies the user based on second identification information that is identification information of the user stored in the user's mobile terminal and displays the identification result on the display unit. It is also grasped as an automatic transaction apparatus characterized by this.

  ADVANTAGE OF THE INVENTION According to this invention, while implementing a user's identity confirmation process, a user's convenience can be improved and the paperwork of a financial institution can be reduced.

Embodiment 1, block diagram of financial transaction system Embodiment 1, block diagram of financial transaction system (modification) Embodiment 1, data table of IC card and card application Embodiment 1, ATM flowchart Embodiment 1, flowchart of mobile terminal Embodiment 1, Transaction screen of ATM and mobile terminal Embodiment 2, block diagram of financial transaction system Embodiment 2, IC card and card application data table Embodiment 2, ATM flowchart Second embodiment, host flowchart Embodiment 2, flowchart of mobile terminal

  Hereinafter, an embodiment using the present invention will be described.

  As an example of the present embodiment, an embodiment relating to a financial transaction system including an ATM (automatic cash dispenser) used in a financial institution and a mobile terminal such as a smartphone held by an individual is referred to as Example 1, and FIGS. Based on The following describes an example using ATM that handles cash in transactions with users. For example, transactions that issue cashbooks, transactions that provide financing by cashing, etc. require confirmation of the user himself / herself. It can be applied to various automatic transaction devices.

  FIG. 1A is a block diagram showing a financial transaction system 1 having an ATM 100 as an example of the present embodiment. As shown in FIG. 1A, the financial transaction system 1 includes an ATM 100 that performs transactions with a user, and a mobile terminal 120 that is operated by the user.

  The ATM 100 includes an ATM control unit 101, a biological information reading unit 102, a touch panel unit 103, a card reader unit 104, and a short-range communication unit 105.

  The ATM control unit 101 has a function of performing various device control and determination processing of the ATM 100. The biometric information reading unit 102 has a function of reading biometric information of a user and generating biometric information to be verified. The touch panel unit 103 has functions of screen display output to the user and input by screen touch.

  The card reader unit 104 has an insertion / ejection operation of the user's IC card 110 and an IC card read / write function. The short-range communication unit 105 has a data communication function with the user's mobile terminal 120 at a short distance.

  The IC card 110 is a medium for a user to execute a transaction with the ATM 100. The IC card 110 includes an IC chip 111, in which account information 112 and biological information 113 are registered as user data. Further, the IC chip 111 has a function of collating the biometric information input by the biometric information reading unit 102 with the registered biometric information 113 and outputting a biometric authentication result.

  The mobile terminal 120 includes a mobile terminal control unit 121, a touch panel unit 122, a near field communication unit 123, and a card application 124.

  The mobile terminal control unit 121 has a function of performing various device controls and determination processing of the mobile terminal 120. The touch panel unit 122 has functions of screen display output to the user and input by screen touch.

  The short-range communication unit 123 has a short-range data communication function with the short-range communication unit 105 of the ATM 100. The card application 124 is an application that allows the user to receive various financial services by using the mobile terminal 120 as a cash card of a financial institution and executing a transaction using the cash card. The card application 124 has account information 171 and a card application availability flag 172 as application data.

  The account information 171 is account information for identifying the user himself / herself that the user uses at the ATM 100 or at a window. The card application availability flag 172 is information indicating whether or not the card application 124 can be used.

  FIG. 2 shows a data table of data items and setting contents in the present embodiment.

  In the data table DT201 of the IC card 110, user account information "111-1-1234567" and biometric information "XXXX ..." have been registered.

  In the data table DT202 included in the card application 124 of the mobile terminal 120, “111-1-1234567” is already set in the account information 171. “False” has already been set in the card application availability flag 172, indicating that the card application 124 is not yet available. The card application 124 is stored in the mobile terminal 120 in the state of the data table DT202.

  In FIG. 2, the data tables DT201 and DT202 shown on the left side are in a state before the use of the card application 124 is started, and when the processing described later is normally executed, like the data table DT212 shown on the right side, The card application availability flag 172 is rewritten from “False” to “True”, and the card application 124 is available before use. Regarding the data table DT211, the same contents as before the card application use start are held in the IC card 110 even after the card application use start.

  FIG. 3 is a flowchart showing a processing procedure of processing executed by the ATM 100 in the present embodiment. A process in which a user using biometric authentication and account transaction with the IC card 110 starts using the card application 124 stored in the mobile terminal 120 will be described using this flowchart.

  The ATM control unit 101 of the ATM terminal 100 displays a transaction selection screen on the touch panel unit 103 when starting a transaction. When the ATM control unit 101 detects that the “app use start” button displayed on the transaction selection screen from the touch panel unit 103 is selected by the user, the ATM control unit 101 starts the use start processing of the card application 124 (step S301). .

  When the ATM controller 101 starts using the card application 124, the ATM controller 101 displays a card application usage start screen (G500 in FIG. 5) that prompts the touch panel unit 103 to set the mobile terminal 120 in the vicinity of the short-range communication unit 105. indicate. When the ATM control unit 101 detects that the mobile terminal 120 is set in the short-range communication unit 105 in accordance with the guidance (step S302), the ATM control unit 101 acquires information stored in the card application 124 of the mobile terminal 120 (step S303). . The values that can be acquired are the values of the data table DT202.

  The ATM control unit 101 determines whether the value of the card application available flag stored in the card application 124 of the mobile terminal 120 set in the short-range communication unit 105 is “True” (step S304). . If the ATM control unit 101 determines that the value of the card application available flag is “True” (step S304; Yes), the card application 124 is already available, and the touch panel unit 103 has an error. The card application usage started error screen (G501 in FIG. 5) indicating the message is displayed (step S321), and the transaction is terminated. In this embodiment, since the value of the card application availability flag is “False”, the processing is continued.

  The ATM control unit 101 performs reading processing of the IC card 110 (step S305). The ATM control unit 101 displays a message on the touch panel unit 103 urging the user to insert the IC card 110 into the card reader unit 104 in order to start the reading process. When the ATM control unit 101 detects that the IC card 110 is inserted into the card reader unit 104 in accordance with the guidance, the ATM control unit 101 acquires information on the account information 112 stored in the IC card 110.

  The ATM control unit 101 determines whether or not the values of the account information 171 of the card application 124 and the account information 112 of the IC card 110 match (step S306). If the ATM control unit 101 determines that the two do not match (step S306; No), since the account information is different, an account information difference error screen (G502 in FIG. 5) showing an error message on the touch panel unit 103 is displayed. ) As an identification result (step S322), the IC card 110 is returned from the card reader unit 104, and the transaction is terminated. In this embodiment, since the above two values match, the processing is continued.

  The ATM control unit 101 performs user authentication processing by biometric authentication (step S307). The ATM control unit 101 displays on the touch panel unit 103 a message prompting the user to place the user's biological body (for example, the user's index finger) on the biological information reading unit 102 in order to start the personal authentication process. When the ATM control unit 101 detects that the biometric information reading unit 102 has acquired the user's biometric information, the ATM control unit 101 instructs collation between the acquired biometric information and the IC chip 111 of the IC card 110. The IC chip 111 performs a biometric matching process with the biometric information 113 according to the instruction, and returns the result to the ATM control unit 101.

  The ATM control unit 101 displays on the touch panel unit 103 a message prompting the user to input a personal identification number and its input field. When the ATM control unit 101 detects that a password has been input from the input field (step S308), the process proceeds to step S310. In the present embodiment, the description of the subsequent PIN check process is omitted.

  The ATM control unit 101 determines whether or not the identity verification result by biometric authentication is successful (step S310). If the ATM control unit 101 determines that the result of identity verification by biometric authentication is not successful (step S310; No), the identity verification failure error indicating an error message of identity authentication failure on the touch panel unit 103 because the identity verification has failed. A screen (G503 in FIG. 5) is displayed (step S323), the IC card 110 is returned from the card reader unit 104, and the transaction is terminated. In this embodiment, since it is determined that the biometric authentication is successful (step S310; Yes), it is assumed that the identity verification necessary for starting the use of the card application 124 has been performed, and the processing is continued.

  Next, the ATM control unit 101 instructs the mobile terminal control unit 121 to display a screen indicating that the card application 124 can be used together with permission to use the card application 124 via the short-range communication unit 105 (step S313). In response to the response from the mobile terminal 120 (step S405 in FIG. 4), a card application use start success screen (G505 in FIG. 5) showing a normal completion message of the use start procedure of the card application 124 is displayed on the touch panel unit 103. (Step 314), the IC card 110 is returned from the card reader unit 104, and the transaction is terminated. Next, processing on the mobile terminal 120 side will be described.

  FIG. 4 is a flowchart showing a processing procedure of processing executed by the mobile terminal 120 in parallel with the processing of the ATM 100 of FIG. 3 in the present embodiment. Processing for starting use of the card application 124 stored in the mobile terminal 120 will be described using this flowchart.

  In the process of step S302 of FIG. 3, when the user sets the mobile terminal 120 in the short-range communication unit 105 of the ATM 100, the mobile terminal control unit 121 starts communication processing with the ATM 100 through the short-range communication unit 123 ( Step S401).

  In the process of step S303 in FIG. 3, when communication is established between the short-range communication unit 105 and the short-range communication unit 123, the mobile terminal control unit 121 can use the card application stored in the card application 124. Information on the flag 172 is transmitted to the ATM 100 (step S402). In this embodiment, the set value “False” is transmitted.

  The mobile terminal control unit 121 determines whether or not a response to the use start determination result from the ATM 100 (the determination result of step S304 in FIG. 3) has been received (step S403), and when it is determined that the response has been received (step S403) ; Yes), it is determined from the response result whether the use start processing result of the card application 124 is successful (step S404). If the mobile terminal control unit 121 determines that the use start processing result is not successful (step S404; No), the card application use start failure screen (G504 in FIG. 5) indicating a card application use start procedure failure message on the touch panel unit 122. ) Is displayed (step S421), and the process ends. In this embodiment, it is assumed that the response result is successful, and the process proceeds to the next process.

  If the mobile terminal control unit 121 determines that the use start processing result is successful (step S404; Yes), the card application available flag 172 stored in the card application 124 is rewritten to “True” (step S405). In response to the display instruction of the screen indicating that the card application 124 received from the ATM 100 can be used, a card application use start success screen (G506 in FIG. 5) indicating a message indicating the success of the card application use start procedure is displayed on the touch panel unit 122 ( Step S406) and the process is completed.

  FIG. 5 shows an example of a screen displayed on the touch panel unit 103 of the ATM 100 and the touch panel unit 122 of the mobile terminal 120 in the flowcharts of FIGS. 3 and 4.

  The card application use start screen G500 is a screen displayed on the touch panel unit 103 of the ATM 100 in step S302. On the card application use start screen G500, a screen that prompts the user to place the mobile terminal 120 at a predetermined position of the ATM 100 is displayed. In this example, since the short-range communication unit 105 is provided at a position indicated by a dotted line on the right side of the touch panel unit 122, an image of placing the mobile terminal 120 at the position is displayed.

  The card application usage started error screen G501 is a screen displayed on the touch panel unit 103 of the ATM 100 in step S321. On the card application use started error screen G501, a message indicating that the card application 124 has already been used is displayed.

  The account information difference error screen G502 is a screen displayed on the touch panel unit 103 of the ATM 100 in step S322. On the account information difference error screen G502, a message indicating that the use cannot be started because the account information of the IC card 110 and the card application 124 does not match is displayed.

  The identity verification failure error screen G503 is a screen displayed on the touch panel unit 103 of the ATM 100 in step S323. The identity verification failure error screen G503 displays a message indicating that the use cannot be started because the identity verification by biometric authentication was not successful.

  The card application use start failure G504 is a screen displayed on the touch panel unit 122 of the mobile terminal 120 in step S421. In the card application use start failure G504, a message indicating that the use cannot be started because the identity verification by biometric authentication was not successful is displayed.

  The card application use start success screen G505 is a screen displayed on the touch panel unit 103 of the ATM 100 in step S314. A card application use success screen G505 displays a message indicating that the use of the card application has been successfully started and can be used.

  The card application use start success screen G506 is a screen displayed on the touch panel unit 122 of the mobile terminal 120 in step S406. A card application use success screen G506 displays a message indicating that the card application has been successfully used and can be used.

  With the above configuration and operation, by using the biometric information of the IC card 110 in the ATM 100, the user himself / herself confirms the identity of the user, so that the procedure for starting the use of the mobile application 124 having the account information of the user himself / herself is This can be carried out without having to carry out an identity verification procedure at the institutional manned counter, eliminating the inconvenience of having to go to the above counter and carry out the procedure. In other words, by executing a mobile application use transaction including identity verification using an automatic terminal device, it is possible to reduce the convenience of the user at the start of use of the mobile application and to improve the efficiency of the work of the financial institution.

In this process, since the ATM 100 is used on the assumption that the user's own IC card, the mobile application having the user's own account information, and the user's own biological body are available, the use of the card application 124 is started. The procedure can be completed by ATM100 transaction operations.

In addition to the determination of the identity confirmation result by biometric authentication in step S310, the confirmation process of the personal identification number input in step S308 may be performed. The confirmation / verification destination of the personal identification number may be a personal identification number recorded on a medium such as an IC card, for example, or may be a personal identification number recorded on an upper host or the like.

  Specifically, as shown in FIG. 1B, account information 161, personal identification number 162, and card application availability flag 163 are held in the host 150, and the card application availability flag determination in step S304 in FIG. The determination of the account information in S306 and the determination of the personal identification number in Step S308 may be executed using data stored in the host 150. For example, in step S304, when the card application availability flag is determined even once in the past, the ATM control unit 101 transmits the result and account information to the host 150 via the ATM communication line 130, The host controller 151 of the host 150 stores the same data as the DT 202 and DT 212 shown in FIG. Thereafter, when executing the process of step S304, the ATM control unit 101 first inquires the value of the card application available flag to the host 150 to determine whether or not it is true, and then executes the processes after step S305. May be. In this case, even when the model of the mobile terminal 120 is changed by the user, it is possible to correctly authenticate that the user has used the card application in the past.

  Further, in addition to the configuration of the first embodiment, by adding determination processing and status confirmation processing by the host, it is possible to enhance the security management function and provide a new service. This embodiment will be described as a second embodiment with reference to FIGS. In the following, description of components and processes that are the same as those in the first embodiment will be omitted, and configurations and flows that are added or changed from the first embodiment will be mainly described.

  FIG. 6 is a block diagram showing a financial transaction system 1 having an ATM 100 as an example of the present embodiment. The ATM communication line 130 and the host 150 are added to the configuration of the first embodiment shown in FIG.

  Since the ATM 100 and the IC card 110 are the same as those in FIG. 1 of the first embodiment, the description thereof is omitted here.

  The mobile terminal 120 stores a mobile terminal identification ID 125 in addition to FIG. 1 of the first embodiment. The mobile terminal identification ID 125 is ID information unique to a device held by the mobile terminal 120, and is identification information for identifying, for example, a smartphone model or terminal.

  The ATM communication line 130 is a communication line for the ATM 100 and the host 150 to communicate with each other.

  The host 150 is a device that manages this system, and includes a host control unit 151 and a customer DB (database) 152.

  The host control unit 151 has a function of controlling various devices of the host 150 and performing a determination process.

  The customer DB 152 is a database that manages user information. The customer DB 152 has user account information 161, a personal identification number 162, a card application availability flag 163, and a mobile terminal identification ID 164.

  FIG. 7 shows a data table of data items and setting contents in the present embodiment.

  The data table DT701 included in the IC card 110 and the data table DT702 included in the card application 124 of the mobile terminal 120 are the same as DT201 and DT202 in FIG.

  The data table DT703 included in the mobile terminal identification ID 125 of the mobile terminal 120 is device-specific ID information held by the mobile terminal 120, and “M1230123” is set therein.

  In the data table DT 704 included in the customer DB 152 of the host 150, “111-1-1234567” is already set as the user account information 161. As the personal identification number 162, “9876” has already been set. The card application availability flag 163 indicates that “False” has been set, and the card application of this account information is not yet available. “M1230123” is set as the mobile terminal identification ID 164, which indicates that the card application can be used only by the mobile terminal having this mobile terminal identification ID.

  FIG. 8 is a flowchart showing a processing procedure of processing executed by the ATM 100 in the present embodiment. A process in which a user using biometric authentication and account transaction with the IC card 110 starts using the card application 124 stored in the mobile terminal 120 will be described using this flowchart.

  Since the processing flow (steps S701 to S710) from the transaction start of the ATM terminal 100 to the determination processing of the identity confirmation result by biometric authentication is the same as the processing flow of the first embodiment (steps S301 to S310 in FIG. 3), Hereinafter, step S711 and subsequent steps will be described.

  If the ATM control unit 101 determines in step S710 that the personal identification result by the biometric authentication is successful (step S710; Yes), the account information 112 of the IC card 110, the biometric authentication result, and the password entered by the user. The mobile terminal identification ID 125 and the card application 124 use start request are transmitted to the host 150 (step S711). The host 150 determines a request for use start request of the card application 124 and returns a determination result to the ATM control unit 101.

  The ATM control unit 101 determines whether or not the response from the host 150 is a successful response (step S712). If the ATM control unit 101 determines that the response from the host 150 is not a success response (step S712; No), the card application use failure message (G504 in FIG. 5) is displayed on the touch panel unit 103 (step S723). The transaction is terminated after the IC card 110 is returned from the card reader unit 104. In the second embodiment, it is determined that the response from the host 150 is a successful response (step S712; Yes), and the process proceeds to the next process.

  The subsequent processing flow performs the same processing as the processing flow of the first embodiment (steps S313 to S314 in FIG. 3) (steps S713 and S714).

  FIG. 9 is a flowchart showing a processing procedure of processing executed by the host 150. This is the processing procedure of the host control unit 151 when a request is received from the ATM 100 in step S711 of FIG. This processing procedure will be described.

  The host control unit 151 acquires transmission information indicating a use start request from the ATM 100 (step S901).

  The host control unit 151 determines whether or not the account number and the personal identification number included in the transmission information received from the ATM 100 match the account information 161 and personal identification number 162 stored in the customer DB 152 (step S902). ). If the host control unit 151 determines that either the account number or the personal identification number does not match (step S902; No), the combination of the account information and the personal identification number is incorrect, so the card application utilization start failure is responded and terminated. . In the second embodiment, it is assumed that both the account information and the password number match (step S902; Yes), and the process proceeds to the next process.

  The host control unit 151 determines whether or not the biometric authentication result included in the transmission information is successful (step S903). If it is not determined that the biometric authentication result is not successful, the host control unit 151 responds a card application use start failure because it has not been verified, and ends. In the second embodiment, it is assumed that the process is successful, and the process proceeds to the next process.

  The host control unit 151 determines whether the mobile terminal identification ID included in the transmission information matches the mobile terminal identification ID 164 of the customer DB 152 (step S904). If the host control unit 151 determines that the two do not match (step S904; No), since it is a request from the mobile terminal 120 that is not permitted in operation, the host control unit 151 responds with a card application use start failure and ends. (Step S921). In the second embodiment, it is assumed that they match, and the process proceeds to the next process.

  The host control unit 151 determines whether the value of the card application availability flag 163 in the customer DB 152 is True (step S905). If the host control unit 151 determines that the above value is “True” (step S905; Yes), since the use of the card application has already started in the host 150 management, a response indicating a failure to start using the card application is returned. Then exit. In the second embodiment, it is assumed that the value is “False”, and the process proceeds to the next process.

  By the determination process so far, the confirmation process for starting the use of the card application is completed. Next, the host control unit 151 sets the value of the card application availability flag 163 of the customer DB 152 to “True”, and sets the status of the card application usage started (step S906).

  The host control unit 151 of the host control device 501 transmits a card application use start success response to the ATM 100 (step 907).

  With the above processing, the card application use start determination processing, status information update processing, and response processing to the ATM 100 in the host 150 can be performed.

  FIG. 10 is a flowchart illustrating a processing procedure of processing executed by the mobile terminal 120 in parallel with the processing of the ATM 100 in FIG. 8 in the second embodiment. The difference from the first embodiment is that the mobile terminal identification ID 125 information is also transmitted to the ATM 150 in the process of step S402 in FIG. The processing flow of the ATM 100 and the host 150 is executed using the information of the mobile terminal identification ID 125. The screen display examples of the touch panel unit 103 of the ATM 100 and the touch panel unit 122 of the mobile terminal 120 in the second embodiment are the same as the display in FIG. 5 of the first embodiment, and thus description thereof is omitted here.

  With the above configuration and operation, the use start procedure of the mobile application 124 linked with the host 150 can be performed without performing the identity verification procedure at the manned counter of the financial institution. In the second embodiment, the host 150 can be linked to check the mobile terminal identification ID 125 of the mobile terminal 120 and the mobile terminal identification ID 164 of the host 150. Therefore, this service can be used only with mobile terminals owned by legitimate users.

  Also, in the configuration of the second embodiment, when the user wants to change the model of the mobile terminal and perform the card application service, the mobile terminal identification ID 125 of the new mobile terminal is registered in the mobile terminal identification ID 164 of the host 150 and the card application Is obtained, the transition to the new mobile terminal can be completed in the card application use start transaction of the second embodiment. Therefore, the user does not have to perform the procedure necessary for the migration on the old mobile terminal, and the mobile terminal identification ID of the old mobile terminal is also deleted from the customer DB 152. For example, the third mobile terminal that acquired the old mobile terminal Fraudulent use by a person can be eliminated.

  In the second embodiment, the host application 150 identifies the mobile terminal 120 and determines the card application availability flag 163. However, as in the first embodiment, instead of the host 150, the mobile terminal identification ID is stored in advance in the ATM 100 or the IC card 110, and the mobile terminal identification ID stored in these is stored in the mobile terminal set in step S302. The process of determining whether the mobile terminal identification ID of 120 matches may be executed after step S307. By performing such processing, access to the host 150 becomes unnecessary, and processing time can be improved.

1 Financial Transaction System 100 ATM
110 IC card 120 Mobile terminal 130 ATM communication line 150 Host

Claims (9)

A mobile terminal communication unit for communicating with the user's mobile terminal;
A reader unit that reads a card medium for executing a transaction with the user;
First identification information that is the user identification information recorded on the card medium obtained via the reader unit and stored in the mobile terminal obtained via the mobile terminal communication unit The mobile terminal application for executing the transaction can be used when the user is identified based on the second identification information that is the identification information of the user and the user can be identified. A control unit, and
An automatic transaction apparatus comprising: A biological information reading unit for reading the user's biological information;
The control unit includes first biological information that is the user's biological information read from the biological information reading unit, and second biological information that is the user's biological information recorded on the card medium. And authenticating the user himself / herself, the user can be identified, and if the user can be authenticated, the application of the mobile terminal can be used,
The automatic transaction apparatus according to claim 1. A host communication unit that communicates with the host computer;
The control unit receives an identification result between the third identification information and the second identification information, which are identification information of the user stored in the host computer, via the host communication unit, and the user The mobile terminal application can be used when the identification result is received.
The automatic transaction apparatus according to claim 1. A host communication unit that communicates with the host computer;
The control unit receives an authentication result between the third biometric information and the second biometric information which is identification information of the user stored in the host computer via the host communication unit, and the user The mobile terminal application can be used when the identification result is received and the authentication result has been authenticated.
The automatic transaction apparatus according to claim 2. The control unit includes first terminal identification information which is identification information of the mobile terminal stored in the automatic transaction apparatus or recorded on the card medium obtained through the reader unit, and the mobile terminal When the mobile terminal is identified based on the second terminal identification information which is the identification information of the mobile terminal stored in the mobile terminal obtained through the communication unit, and the mobile terminal can be identified Making the mobile terminal application available;
The automatic transaction apparatus according to claim 1. A host communication unit that communicates with the host computer;
The control unit receives an identification result between the third terminal identification information and the second terminal identification information which are identification information of the mobile terminal stored in the host computer via the host communication unit, When the identification result indicating that the mobile terminal can be identified is received, the application of the mobile terminal can be used.
The automatic transaction apparatus according to claim 5. A display unit;
First identification information which is identification information of the user recorded on a card medium for executing a transaction with the user, and identification of the user stored in the mobile terminal of the user A control unit that identifies the user based on second identification information that is information, and displays the identification result on the display unit;
An automatic transaction apparatus comprising: The control unit includes first biometric information that is biometric information of the user read from a biometric information reading unit, and second biometric information that is biometric information of the user recorded on the card medium. When the user is authenticated based on the user ID, the user can be identified, and the user can be authenticated, an ATM screen indicating that the application of the mobile terminal can be used is displayed on the display unit. To
The automatic transaction apparatus according to claim 7. The control unit displays the mobile terminal screen indicating that the application of the mobile terminal can be used on the display unit of the mobile terminal when the user can be identified and the user can be authenticated,
The automatic transaction apparatus according to claim 8.

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