JP4222435B2 - Automatic transaction apparatus and automatic transaction system - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system, and more particularly, to a self-operating social public apparatus in which users perform financial transactions on their own, such as an automatic teller machine (ATM) such as a financial institution or a credit card company. Is.

  Conventionally, identity verification used in ATM is generally performed with a magnetic card and a password.

However, magnetic cards are easy to read and counterfeit data on the magnetic stripe, and in order to make it easier for users to remember their PINs, they often use numbers that are easily predicted by others, such as birthdays. . Therefore, the operation is performed in a state where the security is low, and there is a high possibility that the card will be misused due to theft or loss of the card.
None

In addition, transaction limits, such as an ATM, somewhat To involvement without the user of the transaction amount, equipment condition and operating time, and the system side of convenience, such as the difference of its own line of other banks, of the card to determine from the data on the magnetic stripe It is determined uniformly according to the type and customer information.

  Therefore, if a user with a large transaction amount impersonates a fake card holder, he / she can trade in the same way as the normal user's use, and there is a problem that the cardholder himself is greatly damaged. .

  However, convenience is reduced if the usage amount is uniformly set low.

  Therefore, in a self-operating social / public equipment, it is desired to set a transaction limit according to a high probability of confirming the identity and a degree of security.

  In view of the above situation, the present invention is capable of setting a transaction limit amount according to the high probability of being able to confirm the identity of the person and the degree of security, and an automatic transaction apparatus and automatic transaction capable of a safe transaction The purpose is to provide a system.

In order to achieve the above object, the present invention provides
[1] In an automatic teller machine, and the customer can be inserted magnetic card, and for identifying the card reader a different type of card comprising a non-contact type IC card or contactless IC card, PIN及beauty biometrics information A personal verification data input unit capable of inputting different types of personal verification data, and a storage unit for storing transaction restriction information which is information for limiting transactions based on the type of the card and the personal verification data; A transaction setting unit that sets possible transactions according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit, and the transaction setting unit includes the card reading unit Security level according to a combination condition of the type of the card identified by the user and the type of the personal verification data input by the personal verification data input unit. Based on the transaction restriction information in which transaction restrictions according to the rank of the data are stored, if the personal verification data is only a personal identification number, the transaction restriction of a lower rank is set. When combined with metrics information, the transaction limit is set to a higher rank, and the transaction set by the transaction setting unit is executed.

[2] The automatic transaction apparatus, a customer can be inserted magnetic card, and for identifying the card reader a different type of card comprising a non-contact type IC card or contactless IC card, PIN及beauty biometrics information A personal verification data input unit capable of inputting different types of personal verification data, and a storage unit for storing transaction restriction information which is information for limiting transactions based on the type of the card and the personal verification data; A transaction setting unit that sets possible transactions according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit, and the transaction setting unit includes the card reading unit Security level according to a combination condition of the type of the card identified by the user and the type of the personal verification data input by the personal verification data input unit. Based on the transaction restriction information in which transaction restrictions according to the rank of the data are stored, the transaction restriction amount is set low when the personal verification data is only the personal identification number, and the personal verification data is stored in the personal identification number and biometrics. When it is combined with information, the transaction limit is set high, and the transaction set by the transaction setting unit is executed.

[3] The automatic transaction system, and the customer can be inserted magnetic card, and for identifying the card reader a different type of card comprising a non-contact type IC card or contactless IC card, PIN及beauty biometrics information A personal verification data input unit capable of inputting different types of personal verification data, and a storage unit for storing transaction restriction information which is information for limiting transactions based on the type of the card and the personal verification data; A transaction setting unit for setting a possible transaction according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit, and a bank host connected to the transaction setting unit A transceiving unit that performs transmission and reception with the center, and the transaction setting unit includes the type of the card identified by the card reading unit and the identity Based on the transaction restriction information that stores transaction restrictions according to the rank of the security level according to the combination condition with the type of the person verification data input by the data input unit, when the person verification data is only a password Set the transaction restriction with a low rank, and if the identity verification data is a combination of a PIN number and biometrics information, set the transaction restriction with a high rank and execute the transaction set by the transaction setting unit. Features.

[4] The automatic transaction system, and the customer can be inserted magnetic card, and for identifying the card reader a different type of card comprising a non-contact type IC card or contactless IC card, PIN及beauty biometrics information A personal verification data input unit capable of inputting different types of personal verification data, and a storage unit for storing transaction restriction information which is information for limiting transactions based on the type of the card and the personal verification data; A transaction setting unit for setting a possible transaction according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit, and connected to the transaction setting unit; A transmission / reception unit that performs transmission / reception with a host center of the bank, and the transaction setting unit includes the type of the card identified by the card reading unit and the Based on the transaction restriction information in which transaction restrictions according to the rank of the security level according to the combination condition with the type of the person verification data input by the person verification data input unit are stored, the person verification data is only a password. If the transaction limit is set low, the transaction limit is set high when the verification data is a combination of a personal identification number and biometric information, and the transaction set by the transaction setting unit is executed. Features.

  According to the present invention, in an automatic transaction apparatus and an automatic transaction system, it is possible to set a transaction limit amount according to the high probability of confirming the identity of the person and the security level, and to perform a safe transaction. be able to.

Automatic transaction apparatus of the present invention, a customer can be inserted magnetic card, and for identifying the card reader a different type of card comprising a non-contact type IC card or contactless IC card, PIN及beauty biometrics information A personal verification data input unit capable of inputting different types of personal verification data, and a storage unit for storing transaction restriction information which is information for limiting transactions based on the type of the card and the personal verification data; A transaction setting unit that sets possible transactions according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit, and the transaction setting unit includes the card reading unit The security level according to the combination condition of the type of the card identified by the user and the type of the personal verification data input by the personal verification data input unit Based on the transaction restriction information in which transaction restrictions corresponding to ranks are stored, if the personal verification data is only a personal identification number, it is set to a lower rank transaction restriction, and the personal verification data is a personal identification number and biometric information. If it is a combined use, the transaction limit is set to a higher rank and the transaction set by the transaction setting unit is executed.

  Embodiments of the present invention will be described below.

  FIG. 1 is a configuration diagram of a transaction control system of an automatic transaction apparatus showing an embodiment of the present invention.

  In this figure, 11 is an ATM main body, 12 is a card reading unit, 13 is a biometrics reading and identifying unit such as iris recognition, 14 is a guidance display unit and input unit such as a liquid crystal touch panel screen, 15 is a storage unit, and 16 is a control unit. , 17 is a setting table, 18 is a transmission / reception unit, and 19 is a bank host center. Communication is performed from the transmission / reception unit 18 to the host center 19 of the bank.

  The operation will be described below with reference to FIG.

(I) First, the user selects a desired transaction at the input unit 14 of the ATM body 11. That is,
(Ii) Insert a card into the card reading unit 12 according to the guidance on the screen (guidance display unit 14).

(Iii) The card reading unit 12 of the ATM body 11 identifies the type of the inserted card , and the storage unit 15 stores the type of card.

  (Iv) At the same time, guidance for prompting input of a personal identification number or iris verification, or both, and personal authentication input is displayed on the guidance display unit 14, and the biometrics reading / identification unit 13 confirms the identity.

  (V) The control unit 16 of the ATM main body 11 ranks from the card type and the input personal verification data, and stores the rank in the storage unit 15 (in the case of a password, immediately or when sending a transaction permission request message) In the case of an iris, immediately verify the identity).

  (Vi) The ATM main body 11 displays the transaction type and the transaction limit according to the rank on the guidance display unit 14, and performs processing according to normal processing. If you have selected a transaction that cannot be handled, notify the user that the transaction is not possible and return the card.

  (Vii) The card type and rank data are cleared from the storage unit 15 and the transaction is terminated.

  Here, Table 1 is an example of security level ranking, and Table 2 is an example of transaction restriction setting.

まず、表１に示されるように、本発明では、セキュリティレベルの度合いに応じて「１」〜「７」のランク付けを行う。数字が大きくなるほどセキュリティレベルも上がる。

First, as shown in Table 1, in the present invention, “1” to “7” are ranked according to the degree of security level. The higher the number, the higher the security level.

  (1) In the case of MS (magnetic card), the security level is “1” when only the password is used, and the security level is “2” when biometrics is used together.

  (2) Microwave in the case of non-contact type cards, no security level in the case of proximity type, security level “2” in the case of proximity type and security code only, and security level in the case of biometrics only Is "1", security level is "3" when biometrics are used together, security level is "5" when the contact type is PIN code only, security level is "4" when only biometrics is used, and biometrics is used together In this case, the security level is “6”.

(3) In the case of a contact type IC card, the security level is “6” when only the password is used, the security level is “5” when only the biometrics are used, and the security level is “7” when the biometrics are used together. .

  An example of the transaction restriction setting corresponding to the rank of the security level is shown in Table 2.

  (1) For rank “1”, the limit amount for each transaction is 20,000 yen for cashing, 100,000 yen for remittance, and the transaction details cannot be changed. Is one case per day.

  (2) For rank "2", the limit amount for each transaction is 50,000 yen for cashing, 200,000 yen for remittance, the transaction number cannot be changed, the inquiry is only a regular deposit, the number of remittances Is one case per day.

  (3) For rank “3”, the limit amount for each transaction is 100,000 yen for cashing, 200,000 yen for remittance, the transaction number cannot be changed, the inquiry is only ordinary deposit, the number of remittances Is one case per day.

  (4) For rank “4”, the limit amount for each transaction is 300,000 yen for cashing, 500,000 yen for remittance, the transaction number cannot be changed, the inquiry is only a regular deposit, and the number of remittances Is 5 cases a day.

  (5) For rank “5”, the limit amount for each transaction is 750,000 yen for cashing, 1,000,000 yen for remittance, and the transaction details can be changed. The number of transfers is unlimited.

  (6) For rank “6”, the limit amount for each transaction is 1,000,000 yen for cashing, 2,000,000 yen for remittance, and the transaction details can be changed. The number of transfers is unlimited.

  (7) For rank “7”, the limit amount for each transaction is 1,000,000 yen for cashing, 2,000,000 yen for remittance, and the contents of the transaction can be changed to a PIN, the inquiry is unlimited, The number of transfers is unlimited.

  In this way, the higher the security level rank is, the less restrictive the transaction is.

  Next, a procedure of processing in the ATM transaction will be described with reference to FIG.

  FIG. 2 is a flowchart (No. 1) of an ATM transaction showing an embodiment of the present invention, and FIG. 3 is a flowchart (No. 2) of the ATM transaction.

  When the ATM falls into any of the following, the transaction type and amount limit setting table corresponding to the rank is updated.

  Here, the operation in the procedure of inserting the card into the automatic transaction apparatus after the user selects the content of the transaction will be described.

  (1) First, it is checked whether or not a station opening instruction message has been received (step S1).

  (2) If NO in step S1, it is checked whether or not a rank-specific restriction instruction setting message has been received (step S2).

  (3) If NO in step S2, it is checked whether a setting instruction has been issued from the internal monitor (step S3). If NO, the process proceeds to step S5.

  If YES in step S1, step S2, or step S3, the process proceeds to step S4.

  (4) Next, rank-specific restriction setting processing is performed (step S4).

  (5) The guidance display unit 14 displays an initial screen (step S5).

  (6) Next, the user performs transaction selection (here, “drawer” selection as an example) (step S6).

  (7) Next, a card insertion screen is displayed on the guidance display unit 14 (step S7).

  (8) Next, the user inserts a card (step S8).

  (9) Next, the card reader 12 determines the type of card (step S9).

  (10) Next, the type of card is stored in the storage unit 15 (step S10).

  (11) Next, the control unit 16 instructs the biometric reading / identification unit 13 to input an iris (step S11).

  (12) Next, the control unit 16 inputs the iris at the biometric reading unit 13 (step S12).

  (13) Next, the identity verification process is performed by the control unit 16 (step S13).

  (14) Next, the control unit 16 performs ranking processing (step S14).

  (15) Next, the rank is stored in the storage unit 15 (step S15).

  (16) Next, the control unit 16 checks whether or not the transaction is restricted (step S16).

  (17) If YES in step S16, the card is returned to the user, the transaction is stopped, and the process proceeds to step S23 (step S17).

  (18) If NO in step S16, an instruction to input the withdrawal amount is issued (step S18).

  (19) Next, the user inputs an amount (step S19).

  (20) Next, it is checked whether or not the amount is within the limit (step S20).

  (21) If YES in step S20, the process proceeds to step S22. If NO, an instruction to re-enter the withdrawal amount is issued, and the process returns to step S19. (Step S21).

  (22) Next, normal processing is followed (step S22).

  (23) Next, the card type and rank are cleared from the storage unit 15 (step S23).

  As described above, according to the embodiment, it is possible to restrict transactions depending on the degree of security level.

  In the embodiment, the card is inserted after the transaction is selected. However, the procedure for inserting the card in advance before selecting the transaction can be similarly handled as follows.

  (1) First, the user inserts a card into the card reading unit 12 of the ATM body 11.

  (2) A desired transaction is selected according to the guidance on the screen (guidance display unit 14).

  (3) The ATM main body 11 identifies the inserted card, and at the same time displays a guide prompting input of a personal identification number, fingerprint verification, or both, and authenticating the user, and confirms the identity.

  (4) The ATM body 11 performs ranking based on the card type and the input personal verification data.

  (5) Display the transaction type and transaction limit according to the rank. If you have selected a transaction that cannot be handled, notify you that the transaction is not possible and return the card.

  In addition, this invention is not limited to the said Example, A various deformation | transformation is possible based on the meaning of this invention, and these are not excluded from the scope of the present invention.

  The automatic transaction apparatus and the automatic transaction system of the present invention are capable of setting a transaction limit amount according to the high probability of being able to confirm the identity of the person and the high security level, and performing an automatic transaction apparatus Is available as

It is a block diagram of the transaction control system of the automatic transaction apparatus which shows the Example of this invention. It is a flowchart (the 1) of the ATM transaction which shows the Example of this invention. It is a flowchart (the 2) of the ATM transaction which shows the Example of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 11 ATM main body 12 Card reading part 13 Biometrics reading identification part, such as iris recognition 14, Guide display parts and input parts, such as a liquid crystal touch panel screen 15 Storage part 16 Control part 17 Setting table 18 Transmission / reception part 19 Bank host center

Claims (4)

And customers insertable magnetic card, a contactless IC card or the card reader to identify the different card types consisting of a contact type IC card,
And personal identification data input unit capable of inputting different kinds of personal identification data consisting PIN及beauty biometrics information,
A storage unit for storing transaction restriction information, which is information for restricting transactions based on the type of the card and the identity verification data;
A transaction setting unit for setting a possible transaction according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit;
The transaction setting unit stores a transaction limit according to a security level rank according to a combination condition of the type of the card identified by the card reading unit and the type of the personal verification data input by the personal verification data input unit. Based on the transaction restriction information, if the personal verification data is only a PIN, the transaction limit is set to a lower rank, and if the personal verification data is a combination of the PIN and biometric information, the rank is set. An automatic transaction apparatus, characterized in that the transaction is set to a high transaction limit and the transaction set by the transaction setting unit is executed. And customers insertable magnetic card, a contactless IC card or the card reader to identify the different card types consisting of a contact type IC card,
And personal identification data input unit capable of inputting different kinds of personal identification data consisting PIN及beauty biometrics information,
A storage unit for storing transaction restriction information, which is information for restricting transactions based on the type of the card and the identity verification data;
A transaction setting unit for setting a possible transaction according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit;
The transaction setting unit stores a transaction limit according to a security level rank according to a combination condition of the type of the card identified by the card reading unit and the type of the personal verification data input by the personal verification data input unit. Based on the transaction restriction information, the transaction restriction amount is set low when the personal verification data is only a password, and the transaction restriction is applied when the personal verification data is a combination of the security code and biometric information. An automatic transaction apparatus characterized by setting a high amount and executing a transaction set by the transaction setting unit. And customers insertable magnetic card, a contactless IC card or the card reader to identify the different card types consisting of a contact type IC card,
And personal identification data input unit capable of inputting different kinds of personal identification data consisting PIN及beauty biometrics information,
A storage unit for storing transaction restriction information, which is information for restricting transactions based on the type of the card and the identity verification data;
A transaction setting unit for setting possible transactions according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit;
A transmission / reception unit connected to the transaction setting unit and performing transmission / reception with a host center of the bank;
The transaction setting unit stores a transaction limit according to a security level rank according to a combination condition of the type of the card identified by the card reading unit and the type of the personal verification data input by the personal verification data input unit. Based on the transaction restriction information, if the personal verification data is only a PIN, the transaction limit is set to a lower rank, and if the personal verification data is a combination of the PIN and biometric information, the rank is set. A high transaction limit is set, and the transaction set by the transaction setting unit is executed. And customers insertable magnetic card, a contactless IC card or the card reader to identify the different card types consisting of a contact type IC card,
And personal identification data input unit capable of inputting different kinds of personal identification data consisting PIN及beauty biometrics information,
A storage unit for storing transaction restriction information, which is information for restricting transactions based on the type of the card and the identity verification data;
A transaction setting unit for setting a possible transaction according to the type of the card inserted by the customer and the type of the personal verification data input by the personal verification data input unit;
A transmission / reception unit connected to the transaction setting unit and performing transmission / reception with a host center of the bank;
The transaction setting unit stores a transaction limit according to a security level rank according to a combination condition of the type of the card identified by the card reading unit and the type of the personal verification data input by the personal verification data input unit. Based on the transaction restriction information, the transaction restriction amount is set low when the personal verification data is only a password, and the transaction restriction is applied when the personal verification data is a combination of the security code and biometric information. An automatic transaction system characterized in that the transaction is set by the transaction setting unit with a high amount.

Images