JP2006227766A - Transaction system allowing reception of a plurality of biological authentication devices, portable terminal and transaction terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve problems wherein, because an automatic cash transaction device user cannot select an installed biological authentication method when installing a biological authentication device to an automatic cash transaction device, the automatic cash transaction user cannot use the cash transaction device when having a physical disability; and because a portable terminal possessor analyzes a biological authentication program when a portable terminal has the biological authentication program and executes biological authentication, it can be used for crime. <P>SOLUTION: In this transaction system, when performing the biological authentication in the automatic cash transaction device, the biological authentication program is received from the automatic cash transaction device and is authenticated inside the portable terminal, and only an authentication result is transmitted to the automatic cash transaction device. Thereby, the automatic cash transaction device user can privately select the biological authentication method. Because the authentication program is present inside the portable terminal only in time of the authentication, it is prevented that the authentication program is analyzed by the portable terminal possessor and is used for the crime. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention is a technique related to authentication in a transaction apparatus.

  As proposed in Japanese Patent Application Laid-Open No. 2004-86103, transactions in an automatic cash transaction apparatus using biometric authentication have been performed by attaching a biometric authentication apparatus to the automatic cash transaction apparatus. Moreover, in patent document 2, the system which has a biometrics authentication program in a portable terminal, implements biometrics authentication in a portable terminal, and confirms the electronic transaction and identity using a portable terminal was invented.

JP2002-133491 JP2002-123778

  Because the biometric authentication method adopted for each financial institution that owns the automatic teller machine is different, the user of the automatic teller machine cannot select the biometric authentication method. In this case, a user who cannot use the biometric authentication method specified due to physical disability or the like cannot carry out the transaction. In addition, financial institutions that own automated cash transaction devices from multiple manufacturers have different biometric authentication methods used by different manufacturers, so multiple personal biometric information must be stored in the data storage medium. There wasn't.

  Further, when the portable terminal has a biometric authentication program and the portable terminal performs biometric authentication, there is a concern that the portable terminal owner will analyze the biometric authentication program and use it for crimes.

  Therefore, in the present invention, for example, an individual freely owns a mobile terminal on which a biometric authentication device is mounted, and an authentication program for the biometric authentication device mounted on the mobile terminal is transmitted from the cash automatic transaction device from the cash automatic transaction device. Then, biometric authentication is performed on the mobile terminal, and only the authentication result is transmitted to the automated teller machine, thereby providing a system that can prevent leakage of the biometric information and the biometric authentication program. In addition, if an automatic cash transaction device owned by a financial institution is equipped with a device that can receive the authentication result from a mobile terminal, it is not affected by the biometric authentication method by the manufacturer of the automatic cash transaction device. A system is provided that eliminates the need to store biometric information.

  According to the present invention, since the authentication program is not owned by the mobile terminal, it is possible to prevent leakage of the biometric authentication program. Moreover, since personal biometric information is owned only within the portable terminal, it is possible to prevent personal biometric information from leaking.

  In addition, since the biometric authentication is performed on the mobile terminal, the user of the automatic teller machine can freely select an authentication method suitable for his / her body.

  Furthermore, since it is not necessary for the financial institution to mount the authentication device on the automatic teller machine, it is not necessary to select a biometric authentication device manufacturer or to modify it for mounting.

  Embodiments of the present invention will be described below in detail with reference to the drawings. However, each configuration of the block diagram and each step of the flowchart can be selected and changed in order according to circumstances, and each case has advantages and disadvantages.

  FIG. 1 is a functional block diagram inside an automatic teller machine 1 (hereinafter, ATM) as an example of a transaction apparatus. In the figure, ATM is a display unit 2 for displaying operation guidance for customers, an input unit 3 including a touch panel for inputting selection / confirmation, a card processing unit 4, a cash processing unit 5, a passbook processing unit 6, a finance Stores a line I / F unit 7 for enabling communication with an institution center, a main control unit 8 for controlling the whole, a portable terminal communication unit 9 for communicating with a customer-owned portable terminal, and various biometric authentication programs The storage unit 10 is configured.

  FIG. 2 is a configuration diagram of an embodiment of an automatic cash transaction system connected to a financial institution center or the like.

  The communication line 20 is composed of ATM1, LAN (local area network), etc., is connected to an external communication line 21, and is connected to a host computer 22 installed at another location.

  The ATM 1 mobile terminal communication unit 9 communicates with the customer-owned mobile terminal 30 using wireless communication means such as non-contact IC communication, infrared communication, or the like.

  The portable terminal 30 indicates, for example, a portable terminal, PHS, PDA, mobile PC, or the like. The portable terminal 30 has a function 31 for inputting various biological information. For example, a camera, a microphone, a touch panel, and the like are used, and finger veins, fingerprints, voiceprints, irises, handwriting, and the like are acquired using these functions.

  The registration PC 40 performs initial registration of biometric authentication at a financial institution window. It is assumed that initial registration is performed on a mobile terminal with the approval of a financial institution.

  FIG. 3 is an operation flowchart when the ATM 1 according to the present invention and the portable terminal 30 having the biometric information input function are used. Hereinafter, an operation procedure will be described with reference to this flowchart.

  The customer activates the financial institution transaction program to be used in advance on the portable terminal (101).

  At ATM1, the customer selects a transaction. Here, it is assumed that the withdrawal transaction is selected (102).

  ATM1 obtains customer financial institution information (branch number, account number, etc.) held in a cash card or mobile terminal. In this flowchart, information held in the mobile terminal 30 is acquired. A guidance for allowing the customer to communicate with the portable terminal 30 is displayed on the display unit 2 of the ATM 1 (103).

  The financial institution program on the portable terminal 30 transmits the customer's financial institution information to the ATM 1 (105). At the same time, the information of the biometric information input device mounted on the portable terminal 30 is transmitted (107). The biometric information input device indicates a function for acquiring biometric information such as finger veins, fingerprints, and voiceprints, and the biometric information input device information includes, for example, the type / number of the device.

  The ATM 1 that has received the device information transmits a biometric authentication program corresponding to the device to the portable terminal 30 (109).

  The received mobile terminal 30 prompts the customer to input biometric information on the mobile terminal (110). The prompting method is based on the screen display of the mobile terminal or voice guidance. Following the guidance, the customer inputs biometric information to the mobile terminal (112). The authentication program already transmitted to the portable terminal creates pattern data for verification from the input biometric information (113) and encrypts it (114). Thereafter, the pattern data initially registered in the mobile terminal is collated with the pattern data created during the current transaction (115, 116). When the collation result is NG, the input of biometric information is prompted again, or the information of collation NG is transmitted to ATM1 and ATM1 cancels the transaction. When the collation result is OK, the information of OK is transmitted to ATM1 (117), and the received ATM1 continues the flow of the withdrawal transaction (119 to 121). The portable terminal that has transmitted the verification result deletes the received authentication program and does not hold it in the terminal (122). After the transaction at ATM1, the financial institution transaction program is terminated as necessary (123).

  Initial registration of biometric information to a mobile terminal can be performed only at a financial institution window in order to prevent a malicious third party from directly inputting the information on the mobile terminal. At the financial institution window, an authentication program is transmitted from the registration PC 40 to the portable terminal 30, pattern data and encryption of the customer's biometric information are performed, and registration is performed on the portable terminal.

  As described above, the security is improved by transmitting the authentication program to the mobile terminal or the like for each transaction and deleting it, but information indicating the type of biometric authentication from the mobile terminal (for example, biometric authentication such as veins and fingerprints) The target type, a part of the type / number of the biometric information input device and the authentication device, etc.) may be received, and an authentication result based on the information may be received to execute the transaction. In this case, information indicating the type of biometric authentication received may be recorded as a transaction history.

  In the case of the feature of the biometric authentication device, information on the biometric information input device and information indicating the type of biometric authentication are included.

The functional block diagram in an automatic teller machine is shown. An automatic cash transaction system is shown. The flowchart of the cash automatic transaction operation using the biometric authentication with a portable terminal is shown.

Explanation of symbols

1: Automatic cash transaction device, 30: Mobile terminal

Claims (9)

  A transaction system characterized in that when performing a transaction using biometric authentication in a transaction apparatus, the biometric authentication apparatus attached to the mobile terminal is used to perform user identification using biometric information.   A transaction system characterized by transmitting a feature of a biometric authentication device mounted on a portable terminal to a transaction device, and the transaction device executes a transaction based on authentication corresponding to the feature of the biometric authentication device.   A transaction system characterized in that a characteristic of a biometric authentication device mounted on a portable terminal is transmitted to the transaction apparatus, and the transaction apparatus transmits an authentication program used in the biometric authentication apparatus to the portable terminal.   A portable terminal that does not own a biometric authentication program and performs biometric authentication by receiving an authentication program from a transaction apparatus during biometric authentication.   A portable terminal that transmits an authenticated result to a transaction apparatus.   A portable terminal, wherein the biometric authentication program is deleted from the portable terminal after authentication.   A transaction terminal that performs a transaction based on authentication corresponding to the feature of the biometric authentication device received from a portable terminal.   A transaction terminal, wherein an authentication program according to the characteristics of a biometric authentication device received from a portable terminal is transmitted to the portable terminal. A transaction terminal which transmits an authentication program to the portable terminal and receives an authentication result by the authentication program.

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