JPH09245107A - Free hands commercial transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a consumer to receive pay service and to draw money from a banking facility without carrying with a card, etc., by inputting a finger print, a voice print, a retina pattern, etc., and retrieving and collating them. SOLUTION: The consumer inputs his/her user ID and plural passwords from an input device 2 to transmit to an information processor 6 installed at the banking facility. The information processor 6 retrieves user ID and the plural passwords from a data base 8. At the time of attaining retrieval, the input requests of 'portrait' or 'autogaph' registered in a data base 8 and picture information are returned to a display 4 so that a service provider confirms the identity of the consumer by collating the 'portrait' or 'autograph' by his own eyes. The consumer inputs 'picture information' from the input device to digitize and transmit it, and the information processor 6 retrieves and collates picture information from the data base by setting user ID and the pass word to be a key. At the time of attaining retrieval and collation, examination necessary for transaction is executed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is not limited to having money and the like, but is not limited to credit cards, ID cards, and other portable items (hereinafter referred to as "cards and the like") that prove their existence. The present invention relates to a method of conducting a commercial transaction in which a consumer can settle at a financial institution having a settlement account (hereinafter referred to as “financial institution”).

[0002]

2. Description of the Related Art Currently, it is possible to settle a purchase price using a card or the like and to withdraw money from a CD machine.
With this settlement method 1) Consumers must always bring money to the commerce site, 2) Consumers to the withdrawal site at financial institutions,
It is free from the hassle of having to bring a proof stamp and passbook all the time.

[0003]

[Problems to be Solved by the Invention] However, by having a card or the like by the consumer, 1) management of possessing a plurality of cards or the like, 2) procedures when the card or the like is lost, 3) being stolen by another person Cards will be used,
Various annoyances have always been present.

The present invention eliminates the above annoyance and allows a consumer to receive a paid service from a service provider and to withdraw money from a financial institution even if the consumer does not have a card or the like. It is a possible method.

[0005]

In order to achieve the above object, the invention according to claim 1 is as follows: 1) Confirmation of "arbitrary user-ID", "personal identification number", "address", "name" 2 ) “Face photo”, “Handwritten signature” confirmation 3) “Fingerprint” matching, 4) “Voiceprint” matching, 5) “Retina pattern” matching, (hereinafter, “Any user ID”, “PIN” "Number", "address" and "name" are called "text information", and "face photo", "handwritten signature", "fingerprint", "voiceprint" and "retinal pattern" are called "image information") By matching them, the annoyance associated with possessing the card is solved.

[0006] However, as the user ID, "characters", "numbers", "words", etc. that are easy for consumers to remember are registered, but user IDs duplicated with others cannot be registered in the financial institution database. .

Means for solving the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing the correlation between the complexity of security ensuring means and the relationship of certainty. Some of the materials that identify us are "fingerprints,""voiceprints,""retinalpatterns," and "genes." Among them, "fingerprint" that can be processed hygienically,
It is used as a means for solving "voiceprint" and "retinal pattern".

[0008]

BEST MODE FOR CARRYING OUT THE INVENTION The equipment configuration of the present invention will be described below in detail with reference to the drawings. FIG. 2 is a system configuration diagram of equipment installed in a commercial transaction site and a financial institution in which the present invention is implemented.

Referring to FIG. 2, this system is equipped with an input / output terminal device (1) for inputting / outputting various data, a communication line (5), and an information processing device (6). There is.

The input / output terminal device (1) has "character information".
Input the "image information" and digitize the input data, and request the information processing device (6) to process the data input by the input device (2) through the communication line (5). A communication device (3) for receiving an answer from the information processing device (6), and a display device (4) for displaying an answer from the information processing device (6) received by the communication device (3). .

The information processing device (6) has a communication line (5).
Receive the requested information from the input / output terminal device (1) through the CPU, and the CPU through the communication line (5)
A communication device (7) for replying the answer processed in (9) to the input / output terminal device (1), a CPU (9) for processing a request from the input / output terminal device (1), "character information", A database (8) in which "image information" is registered is provided.

[0012]

An embodiment of the present invention will be described below in detail with reference to the drawings. FIG. 3 is a flow chart of the present invention in which the present invention is implemented. Step 1 The consumer offers the service provider to pay the purchase price using a card or the like. Step 2 The service provider asks the user I
Have the user input D and a plurality of personal identification numbers from the input device (2) (A) Procedure 3 The information in Procedure 2 is transmitted to the information processing apparatus (6) installed in the financial institution. (B) Procedure 4 The information processing device (6) searches the database (8) for a user ID and a plurality of personal identification numbers. (C) When the database (8) cannot be searched, the fact that the search is not possible is returned to the display device (4). (J, K) When the search is successful, the display device (4) returns an input request for the “face portrait” or “self-sign” registered in the database and the image information. (D) Step 5 The service provider confirms the identity of the consumer by checking the "face photo" or "handwritten signature" with his / her own eye. (E) Step 6 The service provider asks the consumer to input "image information" from the input device, digitizes the input data, and sends it to the information processing device (6). (F, G) Procedure 7 The information processing device (6) searches and collates image information from the database (8) using the user ID and the personal identification number as keys. (H) When the database (8) cannot be searched or collated, a message indicating that the search is not possible is returned to the display device (4), and the transaction by this method cannot be established. (J, K) Step 8 If the search and verification are successful, conduct the necessary examination for the transaction. (I)

[0013]

[Brief description of drawings]

FIG. 1 is a diagram showing a relationship between complexity and certainty of security ensuring means.

[Fig. 2] System configuration diagram

[Figure 3] Flow chart

[Explanation of symbols]

 1 input / output terminal device 2 input device 3 communication device 4 display device 5 communication line 6 information processing device 7 communication device 8 database 9 CPU A key information input processing B communication processing C key information retrieval D communication processing E confirmation processing F image input Processing G Communication processing H Image information retrieval I Transaction examination J Communication processing K Display processing

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Claims (1)

[Claims] 1. An input terminal capable of inputting characters, alphanumeric characters, and inputting a "fingerprint", "voiceprint" or "retinal pattern". 2) Characters as a processing result by a computer of an information processing device at a remote place. And a display terminal capable of displaying an image, 3) an information processing device capable of retrieving characters, alphanumeric characters, and retrieving and collating "fingerprint", "voiceprint" or "retinal pattern", 4) a communication line connected to a remote place, A method characterized by combining.