JPS58132860A - Personal collation method - Google Patents

Abstract

PURPOSE:To prevent the foul use of the personal collation with an automatic cash paying machine, by changing freely the order of questions which are given through the paying machine among registered questions at a time point of collation. CONSTITUTION:A card reader 1 reads the register information out of a card inserted by a customer through a card slit and feeds the information to a CPU 2. This card stores the account number of the customer, three registered question numbers and their answer numbers, and the balance respectively. Then the customer operates a keyboard 3 to feed a data to the CPU 2, and a cash payment part 4 discharges bank notes of a prescribed amount after receiving a command from the CPU 2. A CRT display 5 displays the questions and answers, and an alarm part 6 delivers an alarm when no coincidence is obtained from a collation. In case an alarm is given, a clerk operation part 7 stops the alarm and carries out a prescribed process. A memory 8 stores the storage information given from a question storage region Q and the card. Then the CPU 2 carries out various types of processes based on the incorporated programs.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a personal verification method in a machine that monitors transactions such as automatic teller machines, automatic teller machines, and other machines that perform personal inquiry functions.

For example, in traditional automatic teller machines, customers can pay by card.
When a customer wants to receive payment, they have to insert their card into the machine's card slot and also enter their own personal identification number that they have registered in advance. This PIN number can be freely selected by the customer at the time of registration as long as the number of digits matches, but on the other hand, if the card is not used for a long period of time, the PIN number may be forgotten and transactions may not be possible in an emergency. There were inconveniences such as the hassle of checking the PIN number at the bank.

Therefore, in order to eliminate the inconvenience caused by forgetting the above-mentioned PIN number, instead of the verification method using the PIN number, or i-
A personal verification method has been proposed that is used in combination with a verification method using a personal identification number. We prepare multiple pairs of questions with different answers depending on the customer and multiple answers that can be selected for the questions, and the customer registers a predetermined number of arbitrary questions and their answers from these multiple pairs. There is a method in which the machine sequentially asks the predetermined number of questions, and the answers input by the customer in response to the questions asked by the machine are compared with the customer's pre-registered answers to perform personal verification. This personal verification method is one of the methods different from the personal identification number-based personal identification method described above.

The above new personal verification method will be explained in more detail. For example, let's take an example of a question and multiple possible answers to that question.

[Question 2] "Which of the following is your hobby? Please enter the number." 1. Reading 6. Flower arrangement 2 Sports Z Tea Ceremony 3, Watching movies 8 Calligraphy 4, DIY 9 Other 5, Collecting things [Question 5] "Which of the following ranges does your chest measurement fall in? Please enter the number." Less than 170α 6.90cffi or more 9
Less than 5ff 2.70C1n or more Less than 75 (7) 79
5m or more Less than 1m 3.75ff#f or more End of 80CM & i48. im or more, 4, 80 or more, less than 851, 5.85t7n or more, less than 90c1n, etc. Other [Question 1], [Question 5], [Question 4]
.

・・・・・・The customer will be asked questions and answers similar to these, such as ``Which of the following is the size of your family?'' ``Which of the following is the month of your birth?'' Select an appropriate number of them, for example 6, and register the question and answer <i in advance. At the time of verification, the machine asks the customer's registered question, and the customer enters an answer that only he or she can know. The fifth answer and the registered answer book are compared and if they match, the match is accepted. In such a personal verification method, if the order of questions asked by a mechanic for a customer is the same, someone else can see and remember the answers entered by the customer while checking the customer. In some cases, a customer may accidentally drop their card and it may be found by someone else, or it may be stolen and misused.

The purpose of this invention is for the above-mentioned customer to register a plurality of question boxes, their answers, and short answers, and at the time of verification, a machine asks the customer a corresponding question, and the customer inputs the answers to compare the registered answers. To provide a personal verification method capable of preventing misuse even if someone else temporarily stores an answer key.

In order to achieve the above object, the personal verification method of the present invention arbitrarily changes the order of the questions asked by the machine during verification from among the questions registered by the customer and outputs them.

The present invention will be explained in detail below with reference to an embodiment shown in one drawing.

FIG. 1 is a block diagram of an automatic teller machine in which the present invention is implemented. In the figure, 1 is a card reader that reads registration information from the card inserted by the customer into the slot.
It is designed to be input to a PU (central processing unit) 2.

The card read by the card reader 1 stores the customer's bank account, three registered questions t1G, answers, and deposit balance. 3 is a keyboard for the customer to input data into the CPU 2 through key operations; 4 is a cash payment unit that dispenses a predetermined amount of banknotes upon receiving instructions from the CPU 2; 5;
numeral 6 is a CRT display device that displays all the questions and answers, 6 is an alarm unit that issues an alarm when there is a discrepancy in verification, and 7 is an alarm unit that stops the alarm unit 6 when a notification is issued and performs a predetermined process. This is the staff operation section that allows you to use the 4i key to perform the procedure. 8 is the question storage area Q, card! This is a memory having a storage area C for storing read registration information and other storage areas. Of course, the memory 8 is coupled to the CPU 2 so that data can be read/N freely. The CPU 2 is designed to execute various processing operations according to built-in programs. Personal verification processing for cash payments is the second step.
It is controlled to be executed according to the flow shown in the figure.

Next, the personal verification processing operation of the automatic teller machine shown in FIG. 1 will be explained with reference to the flow shown in FIG. 2.

When the customer inserts the card into the card slot of the card reader 1, the card reader 1 reads the data stored on the card and inputs it to the CPU 2.The CPU 2 performs step ST.
(hereinafter simply abbreviated as ST) 1, data from the card reader 1 is stored in the storage area C of the memory 8. Here, for example, if the card stores, in addition to the account, question 2 and its answer, question 5 and its valley, and question I 7 and its condition, each of these Md data is stored in storage area C. Each record/order area CQ1. CQ2. CQ3
．． CAO, CA1, CA2. Stored in CA3. Of course, if the customer changes, the account tK and question lZ to be recorded and questioned will also change.

When the reading of the registered data from the card is completed, the judgment of ``reading complete'' in ST2 is YES! The operation is the next ST3.
The contents of the counter E are transferred to the initial value storage area F. Counter E is a counter that counts numbers up to 5, and the number 6 is selected because the number of questions registered for verification is five. The counter E will be described later, but its contents are incremented by 1 and cycled each time a verification operation is performed.

Now, if the content of the counter E is 0, that 0 is stored in the storage area F as an initial value before the verification operation. Next, ST
4, the contents of the counter E are incremented by +1. In the above example, the content of the counter E was 0, so it becomes 1 here. Subsequently, in ST5, it is determined whether "(2)=6". If the content of counter E is 6, the judgment is YES and the process moves to ST6.9 Counter E
The content of is set to O and the process moves to ST7. The content of counter E is 3
Otherwise, the determination is NO and the process moves to ST7. In the case of the above example)
; Since it is 1, the operation moves from ST5 to ST7. In ST7, it is determined whether "(6) = 0". If (6) = 1, this determination becomes No, and the process moves to 5T11, where '(g) =
1" is judged. This judgment is YES and the operation is 5T.
Move on to 12. At 5T12, the wording of question 5 corresponding to question list 5 stored in storage area CQ2 is read from storage area Q (Q5) and displayed on CRT display device 5. In the above example question, ``Which of the following ranges does your chest circumference fall in? Please enter the number.'' is displayed, and the answer 1 is also displayed in the same manner as in the above example.

A customer who sees this display and whose chest circumference is, for example, 86 cm, inputs condition 5 from the keyboard 3.

The CPU 2 receives this and stores the retroactive input value in the storage area A at 5T13. And in 5T14 ″(CA2)=(
8) Judgment (recording) is made by comparing the condition of the questionnaire 5 stored in the area CA2 and the answer/El stored in the recording area A to determine whether they match. If it is YES, the answer verification for the first question in this verification is completed, and the operation moves to 5T18.In 5T18, it is determined whether the contents of Ki/Seki areas E and F match.In the above example, ( )=0° and )=1, so the two do not match, and the judgment is No, and the flow moves to ST4.

In the operation after ST4, the operation of comparing the answer to the second question in the current checking is started. First, in ST4, the counter E is incremented by +1. In the above example, since (5)=1, the content of the counter E is now 2. Next, in ST5, ``(6) = 6'', or in ST7, ``(3) = 0'', s'
Judgment of °(8)21'' in ri 1 is sequential; e Sarel;
o = Izuremo judgment HA NO'''c! I! 71 work fisT1
Move on to 5. In ST15, the text of question 7 corresponding to question request 7 stored in storage area CQ3 is read out from storage area Q (Q7) and displayed on the text 16cRT display device 5. The customer who saw this display was 5T16 as in the case of question 5 above.
The answer to the question is five, keyboard seven, five. The answer is stored in storage area A, and then in 5T17, the valley point for question 7 stored in storage area CA3 is compared with the input answer stored in storage area A. If the two match, it means that the answer verification for the second question in the current verification has been completed, and the operation moves to 5T18 again.

Here (g)=2. (F)=O, so “(G)=mouth”
If the determination is NO, the process moves to ST4.

Next, in the operation after ST4, the operation of checking the answer to the sixth question in the current checking is performed. In ST4, +1 is added to the contents of counter E (b)=2.

) -6. Therefore, the determination in ST5 as to whether it is -3'' is YES, and the counter E is set to 0 in ST6. Then, in ST7, it is determined whether "(g)=O", but this determination is YES and the operation moves to ST8.

In ST8, the text of question 2 corresponding to question 52 stored in storage area CQ1 is read out from storage area Q (Q2) and displayed on the i-CRT display device 5.

When the customer sees this display and inputs an answer to the question using the keyboard 6, the condition is stored in the storage area 'A' in ST9. Next, in 5T10, the answer to the question 2 stored in the area CAi is compared with the input valley line recorded in the storage area A.

If the two match, the answer verification for the sixth question in the current verification is completed with a YES determination of 5T10. Then move on to 5T18. Here, )=O, (F)=O, so ST
The determination at I8 is YES and the operation moves to 5T19.

In other words, the six questions and their answers for this verification have been input and verified.If the registered answers to these five questions and the answers entered from the keyboard for the questions all match, the verification is successful.

Subsequently, at 5T19, the CRT display device 5 displays the message "Please enter the desired amount." When the customer sees this display and enters the desired payment amount using the keyboard 6, 5TU
At D, this amount value is stored in the requested amount storage area B of the memory 8. Next, record 1. on 5T21. 1 from the balance stored in area CB, and 1. from area B. Subtract the requested amount and write the resulting value in area A1;
Yes. Then, at 5T22, it is determined whether °'(A)≧0'', and if the balance is greater, the determination is YES and 5T23
Moving on to note 1. sends the requested amount for area B to the cash payment unit 4, and upon receiving this, the cash payment unit 4 performs payment processing. On the other hand, in the operation flow ST24, the contents of the storage area A are transferred and stored as a new balance in the storage area CB, and in step 5T25, the contents of the memory area C are written by the card reader 1 to the card reader 1. Thereafter, the card is returned in ST26, and then the contents of the counter E are incremented by +1 in ST27. This process will ask which question IF among the three questions registered on the card each time one transaction is completed;
The purpose is to start asking questions from that point or to change the starting point cyclically.

Assuming that (6)=2 in this step, the question "Non", which is written in the record/city area CO3, is started at the time of the first verification. If (6)=6, then at the next verification, writing will start from the question in the question list stored in area CQ1.

Following Sr17, at 5T28, the CRT display device 5 displays the card insertion display sound 11 for the next customer, and then the operation ends.

In 5T22, if (A) < 0 (1), that is, if the new balance is smaller than 0, no payment processing is performed and 5T3
After moving to step 1 and displaying an insufficient balance on the CRT display device 5, the card is returned (Sr26) and the counter E is incremented by 1 L/”tT (Sr17).
, S T 28 TE next + g A customer card insertion display is performed and the operation ends.

In addition, if the input answer does not match the answer registered in 5TIO, S'r14 or STI 7, the judgment is No, and the process moves to 5, 5T29, and the alarm 6 issues an alarm. After the staff member who confirmed the alarm performs the prescribed processing such as resetting in the staff operation section 7 (STUD), when an insufficient balance is displayed on the user's account! As with ll7J, the card is returned and counter E is +1. Processing of card insertion display is done.

In the second embodiment, a case was explained in which three questions were asked for verification in one transaction.

Of course, this number does not need to be limited to three, and may be two or more than four.

In the above-described embodiment, a personal verification method in an automatic cash payment area has been described, but the present invention is not limited to this, but can also be applied to a personal verification method in other credit vending machines using cards.

As described above, according to the personal verification method of the present invention.

Since the order of the questions asked by the machine during verification is arbitrarily changed and output from among the registered questions, the order in which multiple questions are asked differs depending on the customer or each time a transaction is made. Furthermore, even if someone else knows the answer, they will not know which question the answer is, so it can be prevented from being misused.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of an automatic teller machine in which the present invention is implemented, and FIG. 2 is a diagram showing the processing flow of the automatic cash dispensing area shown in FIG. 1: Card reader, 2: CPU, 3: Keyboard, 4: Cash payment section, 5: CRT display device, 6
: Alarm, 7: Attendant operation section. 8: Memory.

Claims (1)

[Claims] (1) Register multiple questions and their answers in advance, display the registered questions on the display during verification, and compare the input data with the data registered in advance as the answer to the question. In the personal verification method. A personal verification method characterized by arbitrarily changing the order of questions asked by a machine during verification from among registered questions and outputting them.