Automatic transaction device and automatic transaction system

Abstract

To make personal transactions strict without spoiling convenience in the transactions.SOLUTION: A storage part 11 stores a threshold of a transaction amount. A processing part 12 determines whether a transaction amount associated with a transaction is equal to or larger than the threshold, accepts input of an individual number information associated with an individual number card 14 when it is determined that the transaction amount is equal to or larger than the threshold and then performs collation processing between a face image 13a of a trader obtained by imaging with a camera and a face image included in the input individual number information, and further continues the transaction when the collation is successful, but interrupts the transaction when the collation ends in failure and predetermined conditions are not met.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an automated transaction device and an automated transaction system. [Background technology]

[0002] A bank account user may use an automated teller machine (ATM) or other automated teller machine to carry out transactions related to his or her bank account. The automated teller machine may verify the user's identity using a personal identification number (PIN).

[0003] As a technology related to an automated transaction machine, for example, in addition to checking a normal PIN, a technology has been proposed that checks an additional PIN when the transaction is different from the preregistered predetermined transaction conditions.An automated transaction machine has also been proposed that performs identity authentication by photographing a user and an identification document including the user's face photo and confirming that the face image of the user photographed by the camera matches the face image in the identification document.An automated transaction machine has also been proposed that reads biometric authentication coded data generated from a photographed face image from the user's mobile terminal, performs identity verification based on the photographed image and the biometric authentication coded data, and then accepts input of a PIN. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] International Publication No. 2002 / 075676 [Patent Document 2] JP 2020-197985 A [Patent Document 3] Patent Publication No. 2021-189969 Summary of the Invention [Problem to be solved by the invention]

[0005] If identity verification is based only on a PIN, if the PIN is stolen, a third party can make transactions at the automated teller machine. In addition, if face recognition is used in combination with a PIN, it may reduce user convenience.

[0006] On the one hand, this case aims to impose stricter requirements on principal-only transactions without compromising the convenience of such transactions. [Means for solving the problem]

[0007] In one proposal, an automated transaction device having a storage unit and a processing unit is provided. The storage unit stores a threshold value for a transaction amount. The processing unit determines whether the transaction amount of the transaction is equal to or greater than the threshold value, and if it is determined that the transaction amount is equal to or greater than the threshold value, accepts input of My Number information related to the My Number card, performs a process of matching a first face image of the transactor captured by a camera with a second face image included in the input My Number information, and continues the transaction if the match is successful, and aborts the transaction if the match is not successful and the predetermined condition is not satisfied.

[0008] In one proposal, an automated transaction system having an automated transaction device and a server is provided. The automated transaction device determines whether the transaction amount is equal to or greater than a threshold, and if it is determined to be equal to or greater than the threshold, accepts input of My Number information related to the My Number card, performs a process of matching a first face image of the transactor captured by a camera with a second face image included in the input My Number information, and continues the transaction if the first face image is matched, and stops the transaction if the second face image is not matched and the predetermined conditions are not satisfied. The server performs a process of sending and receiving transaction information related to the transaction to and from the automated transaction device. Effect of the Invention

[0009] According to one embodiment, it is possible to enforce stricter personal transactions without compromising the convenience of transactions. [Brief description of the drawings]

[0010] [Figure 1]FIG. 1 is a diagram illustrating an example of an automated trading system according to a first embodiment. [Diagram 2] FIG. 13 is a diagram illustrating an example of an automated trading system according to a second embodiment. [Diagram 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of an ATM. [Figure 4] FIG. 2 illustrates an example of a hardware configuration of a server. [Diagram 5] FIG. 2 is a block diagram showing an example of the functions of an ATM and a server. [Figure 6] FIG. 13 is a diagram showing an example of transaction-related information. [Figure 7] 13 is a flowchart illustrating an example of a processing procedure of the ATM according to the second embodiment (part 1); [Figure 8] 13 is a flowchart illustrating an example of a processing procedure of the ATM according to the second embodiment (part 2). [Figure 9] FIG. 13 is a diagram showing an example of a My Number information input acceptance screen. [Figure 10] FIG. 13 is a diagram showing an example of a My Number processing screen. [Figure 11] FIG. 13 is a diagram showing an example of a My Number processing end screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, an embodiment of the invention will be described with reference to the drawings. Hereinafter, the present embodiment will be described with reference to the drawings. Note that each embodiment can be implemented in combination with a plurality of other embodiments as long as no contradiction occurs.

[0012] First Embodiment First, the first embodiment will be described. FIG. 1 is a diagram illustrating an example of an automated transaction system according to a first embodiment.

[0013] In the first embodiment, when a transaction is made at the automated transaction apparatus 10, if the transaction amount is equal to or greater than a threshold, identity verification is performed by face authentication using a My Number card. The automated transaction system of the first embodiment includes the automated transaction apparatus 10 and a server 20. The automated transaction apparatus 10 and the server 20 are connected via a network. The automated transaction apparatus 10 is an apparatus that executes financial transactions according to the operation of a trader. The automated transaction apparatus 10 is, for example, an ATM installed in a financial institution. The automated transaction system may include multiple automated transaction apparatuses. The server 20 is a server computer (sometimes called a host computer) that manages the bank account of the trader. The server 20 performs a process of transmitting and receiving transaction information related to the transaction to the automated transaction apparatus 10. The server 20 may include multiple computers.

[0014] The automated transaction device 10 has a memory unit 11, a processing unit 12, and a camera 13. The storage unit 11 is, for example, a volatile storage device that is an electronic circuit such as a dynamic random access memory (DRAM), or a non-volatile storage device that is an electronic circuit such as a hard disk drive (HDD) or a flash memory. The storage unit 11 may include an electronic circuit such as a static random access memory (SRAM) register. The storage unit 11 stores a threshold value of a transaction amount. The threshold value may be a different value for each transaction type. In the example of FIG. 1, the withdrawal threshold value is 1,000,000 yen, the deposit threshold value is 500,000 yen, and the account transfer threshold value is 2,000,000 yen. These threshold values ​​are, for example, transmitted in advance by the server 20 to the automated transaction device 10 and stored in the storage unit 11. Alternatively, the automated transaction device 10 may obtain a threshold value corresponding to a transaction type input to the automated transaction device 10 from the server 20 at the time of a transaction and store it in the storage unit 11.

[0015] The storage unit 11 may store various data used by the automated transaction device 10 and various programs for operating the automated transaction device 10. The processing unit 12 is a processor or an arithmetic circuit such as a central processing unit (CPU), a micro processing unit (MPU), a digital signal processor (DSP), etc. The processing unit 12 executes the processes of the automated transaction apparatus 10, which will be described later.

[0016] The camera 13 is a camera installed so as to be able to photograph a trader. For example, the camera 13 is installed on the automated transaction device 10 so that the lens faces a position where a trader who operates the automated transaction device 10 stands.

[0017] The automated transaction apparatus 10 and the server 20 execute the following processes when a transaction is performed using the automated transaction apparatus 10. First, the processing unit 12 starts a transaction in accordance with the trader's operation. When the transaction starts, the camera 13 photographs the trader's face, and the processing unit 12 acquires a facial image 13a of the trader from the camera 13. Although not shown in FIG. 1, the processing unit 12 accepts the insertion of a cash card and the input of a PIN, and identifies the account and verifies the PIN while communicating with the server 20 based on the information read from the cash card and the input PIN. If the PIN is verified, the processing unit 12 accepts the input of the transaction details for the transaction using the account.

[0018] The processing unit 12 determines whether the transaction amount of the input transaction is equal to or greater than a threshold. If the processing unit 12 determines that the transaction amount is equal to or greater than the threshold, it performs the My Number processing described below. If the processing unit 12 determines that the transaction amount is less than the threshold, it continues the normal transaction without using the My Number card. However, even if the processing unit 12 determines that the transaction amount is less than the threshold, it may still perform My Number processing if it determines that the transaction requires My Number processing.

[0019] The My Number processing includes a process of accepting input of My Number information related to the My Number card 14, and a process of comparing the face image 13a of the transactor captured by camera with the face image included in the input My Number information.

[0020] The process of accepting input of My Number information is performed, for example, using an IC (Integrated Circuit) reading unit such as an IC reader. The matching process is face authentication, and the processing unit 12 extracts facial features from both face images, and if the degree of match of the extracted facial features is equal to or greater than a predetermined value, it determines that the transactor and the individual identified by the My Number card match. In other words, the processing unit 12 determines that matching has been made (indicated as "matching OK" in FIG. 1). If the degree of match of the extracted facial features is less than a predetermined value, the processing unit 12 determines that the transactor and the individual identified by the My Number card do not match. In other words, the processing unit 12 determines that matching has not been made (indicated as "matching NG" in FIG. 1).

[0021] The processing unit 12 continues the transaction if the matching is successful. The processing unit 12 suspends the transaction if the matching is not successful and the predetermined condition is not satisfied. For example, if a setting is made indicating that the transaction may be continued even if the matching is not successful, or if the server 20 instructs that the transaction may be continued regardless of the matching result, it is determined that the predetermined condition is satisfied. For example, when it is desired to transmit and receive transaction information to and from the server 20 or transmit My Number information, a setting is made indicating that the transaction may be continued even if the matching is not successful. Note that the setting indicating whether the transaction may be continued even if the matching is not successful may differ for each type of transaction.

[0022] 1 shows an example in which, when the processing unit 12 continues the transaction, it performs a process of transmitting and receiving transaction information related to the transaction with the server 20 and transmits My Number information to the server 20. After that, the processing unit 12 continues the transaction. The server 20 stores the transaction information and My Number information received from the automated transaction device 10.

[0023] When the processing unit 12 continues the transaction, it may transmit the result of the matching process to the server 20. In this case, the server 20 may determine whether or not to continue the transaction based on the result of the matching or the My Number information, and when it determines that the transaction should not be continued, it may transmit an instruction signal to the automated transaction device 10 to instruct the transaction to be interrupted. For example, when the transaction is continued despite the fact that matching was not performed, the server 20 determines that the transaction should not be continued. When the automated transaction device 10 receives an instruction signal from the server 20 to instruct the transaction to be interrupted, the automated transaction device 10 interrupts the transaction.

[0024] According to the automated transaction device 10 of the first embodiment, the memory unit 11 stores a threshold value for the transaction amount. The processing unit 12 determines whether the transaction amount of the transaction is equal to or greater than the threshold value, and if it is determined that the transaction amount is equal to or greater than the threshold value, accepts input of the My Number information related to the My Number card 14. The processing unit 12 performs a matching process (face authentication) between the transactor's facial image 13a acquired by photographing with a camera and the facial image included in the input My Number information, and continues the transaction if a match is made, and aborts the transaction if a match is not made and the predetermined conditions are not met.

[0025] In the automated transaction device 10 of the first embodiment, even if the cash card and PIN are stolen by a malicious person, if a match cannot be made by face authentication using the My Number card, the transaction can be suspended unless a predetermined condition is met. Even if the cash card, PIN, and My Number card are stolen, if the face image 13a of the transactor captured by a camera does not match the face image obtained from the My Number information, the transaction can be suspended.

[0026] In addition, the automated transaction device 10 of the first embodiment does not perform facial authentication using the My Number card for all transactions, but only performs it when the transaction amount is above a threshold, thereby enabling stricter personal transaction control without compromising the convenience of the transaction.

[0027] The processing unit 12 also transmits the transaction information and My Number information relating to the transaction to the server 20. This allows future investigations to be easily performed using the transaction information and My Number information stored in the server 20. For example, when a transaction involving a large amount of money is transferred, even if the personal information linked to the account used is changed or false, My Number information can be referenced, making investigations easier. This can also contribute to measures against money laundering and gift tax evasion.

[0028] Second Embodiment Next, a second embodiment will be described. In the second embodiment, when a transaction is made using an ATM, if the transaction amount is equal to or exceeds a threshold, identity verification is performed by face authentication using a My Number card.

[0029] FIG. 2 is a diagram illustrating an example of an automated trading system according to the second embodiment. The automated transaction system of the second embodiment includes an ATM 100 and a server 200. The ATM 100 and the server 200 are connected to a network 300. The network 300 is, for example, a wide area network such as the Internet, or a dedicated network.

[0030] The ATM 100 is a device that accepts input operations by a transaction user and executes transactions such as withdrawals, deposits, and account transfers based on the accepted inputs. For example, in a withdrawal transaction, the ATM 100 dispenses cash in the amount entered and transmits the amount of the dispensed cash to the server 200. In a deposit transaction, the ATM 100 accepts the insertion of cash and transmits the amount of the inserted cash to the server 200. Note that the automated transaction system may have multiple ATMs.

[0031] Server 200 is a server computer that manages the bank accounts of transactors. Server 200 performs processing for transmitting and receiving transaction information related to the transaction to ATM 100. For example, in a withdrawal transaction, server 200 subtracts the amount transmitted from ATM 100 from the balance of the account used in the transaction. In a deposit transaction, server 200 adds the amount transmitted from ATM 100 to the balance of the account used in the transaction. Note that server 200 may include multiple computers.

[0032] FIG. 3 is a diagram illustrating an example of a hardware configuration of an ATM. The entire ATM 100 is controlled by a processor 101. A memory 102 and a plurality of peripheral devices are connected to the processor 101 via a bus 108. The processor 101 may be a multiprocessor. The processor 101 is, for example, a CPU, an MPU, or a DSP. At least a part of the functions realized by the processor 101 executing a program may be realized by an electronic circuit such as an ASIC (Application Specific Integrated Circuit) or a PLD (Programmable Logic Device).

[0033] The memory 102 is used as a main storage device of the ATM 100. The memory 102 temporarily stores at least a part of the OS (Operating System) program and application programs to be executed by the processor 101. The memory 102 also stores various data used in the processing by the processor 101. As the memory 102, for example, a volatile semiconductor storage device such as a RAM (Random Access Memory) is used.

[0034] The peripheral devices connected to the bus 108 include a storage device 103, a network interface 104, a display processing unit 105, a touch panel processing unit 106, and an I / O (Input / Output) interface 107.

[0035] The storage device 103 electrically or magnetically writes and reads data to and from a built-in recording medium. The storage device 103 is used as an auxiliary storage device for the ATM 100. The storage device 103 stores various data including OS programs, application programs, transaction-related information, transaction history information, and the like. Note that, for example, an HDD or SSD (Solid State Drive) can be used as the storage device 103.

[0036] The network interface 104 is connected to a network 300. The network interface 104 transmits and receives data to and from the server 200 via the network 300.

[0037] A display 105a is connected to the display processing unit 105. The display processing unit 105 displays various information such as operation guides on the screen of the display 105a in accordance with commands from the processor 101. The display 105a may be a display device using an organic EL (Electro Luminescence) display or a liquid crystal display device.

[0038] A touch panel 106a is connected to the touch panel processing unit 106. The touch panel 106a is disposed, for example, in front of the display 105a. The touch panel processing unit 106 detects the position on the screen where the trader's finger touches or approaches the touch panel 106a, and notifies the processor 101 of the position.

[0039] A card processing unit 107a, a passbook processing unit 107b, a coin processing unit 107c, a bill processing unit 107d, an IC reading unit 107e, a camera 107f, and an OCR (Optical Character Reader) reading unit 107g are connected to the I / O interface 107. The I / O interface 107 notifies each connected unit of an instruction from the processor 101 in accordance with an instruction from the processor 101. The I / O interface 107 also notifies the processor 101 of information acquired from each unit via the bus 108.

[0040] The card processing unit 107a controls the insertion, acceptance and ejection of cash cards, and reads magnetic information (such as account number) recorded on the inserted card.

[0041] The bankbook processing unit 107b controls the taking in and ejection of bankbooks. The bankbook processing unit 107b also reads magnetically recorded information (such as account numbers) attached to the taken-in bankbooks. The bankbook processing unit 107b also has a function of printing on the bankbooks, and is capable of writing to the bankbooks.

[0042] The coin processing unit 107c controls the dispensing and taking in of coins and the opening and closing of a coin entrance / exit door in accordance with instructions from the processor 101. The banknote processing unit 107d controls the dispensing and taking in of banknotes and the opening and closing of a banknote entrance / exit door in accordance with instructions from the processor 101. The banknote processing unit 107d has a function for reading the type and serial number of banknotes. The banknote processing unit 107d reads the serial number of a banknote inserted or removed when depositing or dispensing money, and outputs it to the processor 101.

[0043] The IC reading unit 107e reads information stored in an IC card such as a My Number card that is held over (or placed over) the IC reading unit 107e. The IC reading unit 107e transmits the information read from the IC card to the processor 101.

[0044] The camera 107f generates still or video data of a scene aimed at the lens of the camera 107f in accordance with instructions from the processor 101, and stores the data in the memory 102. The camera 107f is installed so as to be able to capture an image of a person making a transaction using the ATM 100.

[0045] The OCR reading unit 107g recognizes a character string printed on the face of an IC card such as a My Number card. The OCR reading unit 107g transmits the recognized character string to the processor 101.

[0046] The I / O interface 107 can read data from the portable recording medium 107h or write data to the portable recording medium 107h. The portable recording medium 107h is, for example, a recording medium such as a DVD (Digital Versatile Disc) or a CD (Compact Disc). The portable recording medium 107h can store transaction-related information, transaction history information, and the like.

[0047] The automated teller machine 10 shown in the first embodiment can also be realized by the same hardware as the ATM 100 shown in Fig. 3. The processor 101 is an example of the processing unit 12 shown in the first embodiment.

[0048] The ATM 100 realizes the processing functions of the second embodiment by, for example, executing a program recorded on a computer-readable recording medium. The program describing the processing contents to be executed by the ATM 100 can be recorded on various recording media. For example, the program to be executed by the ATM 100 can be stored in the storage device 103. The processor 101 loads at least a part of the program in the storage device 103 into the memory 102 and executes the program. The program to be executed by the ATM 100 can also be recorded on a portable recording medium 107h. The program stored in the portable recording medium 107h can be installed in the storage device 103 under the control of the processor 101, for example, and then can be executed. The processor 101 can also directly read out and execute the program from the portable recording medium 107h.

[0049] FIG. 4 is a diagram illustrating an example of a hardware configuration of a server. The entire server 200 is controlled by a processor 201. A memory 202 and a plurality of peripheral devices are connected to the processor 201 via a bus 209. The processor 201 may be a multiprocessor. The processor 201 is, for example, a CPU, an MPU, or a DSP. At least a part of the functions realized by the processor 201 executing a program may be realized by an electronic circuit such as an ASIC or a PLD.

[0050] The memory 202 is used as a main storage device of the server 200. The memory 202 temporarily stores at least a part of the OS program and application programs to be executed by the processor 201. The memory 202 also stores various data used for processing by the processor 201. As the memory 202, for example, a volatile semiconductor storage device such as a RAM is used.

[0051] The peripheral devices connected to the bus 209 include a storage device 203 , a GPU (Graphics Processing Unit) 204 , an input interface 205 , an optical drive device 206 , a device connection interface 207 , and a network interface 208 .

[0052] The storage device 203 electrically or magnetically writes and reads data to and from a built-in recording medium. The storage device 203 is used as an auxiliary storage device for a computer. The storage device 203 stores an OS program, application programs, and various data. Note that, for example, an HDD or SSD can be used as the storage device 203.

[0053] A monitor 204a is connected to the GPU 204. The GPU 204 displays an image on the screen of the monitor 204a in accordance with an instruction from the processor 201. The monitor 204a may be a display device using an organic electroluminescence (EL) display device or a liquid crystal display device.

[0054] A keyboard 205a and a mouse 205b are connected to the input interface 205. The input interface 205 transmits signals sent from the keyboard 205a and the mouse 205b to the processor 201. Note that the mouse 205b is an example of a pointing device, and other pointing devices can also be used. Examples of other pointing devices include a touch panel, a tablet, a touch pad, and a trackball.

[0055] The optical drive device 206 uses laser light or the like to read data recorded on an optical disk 206a. The optical disk 206a is a portable recording medium on which data is recorded so that it can be read by reflection of light. The optical disk 206a includes DVDs, DVD-RAMs, CD-ROMs (Read Only Memory), and CD-Rs (Recordable) / RWs (ReWritable).

[0056] The device connection interface 207 is a communication interface for connecting peripheral devices to the server 200. For example, a memory device 207a or a memory reader / writer 207b can be connected to the device connection interface 207. The memory device 207a is a recording medium equipped with a communication function with the device connection interface 207. The memory reader / writer 207b is a device that writes data to a memory card 207c or reads data from the memory card 207c. The memory card 207c is a card-type recording medium.

[0057] The network interface 208 is connected to a network 300. The network interface 208 transmits and receives data via the network 300 to and from the ATM 100, other computers, or communication devices.

[0058] The server 200 can realize the processing functions of the second embodiment with the above hardware configuration. The server 20 shown in the first embodiment can also be realized with the same hardware as the server 200 shown in FIG.

[0059] The server 200 realizes the processing function of the second embodiment by executing a program recorded in a computer-readable recording medium, for example. The program describing the processing contents to be executed by the server 200 can be recorded in various recording media. For example, the program to be executed by the server 200 can be stored in the storage device 203. The processor 201 loads at least a part of the program in the storage device 203 into the memory 202 and executes the program. The program to be executed by the server 200 can also be recorded in a portable recording medium such as the optical disk 206a, the memory device 207a, or the memory card 207c. The program stored in the portable recording medium can be installed in the storage device 203 under the control of the processor 201, and then can be executed. The processor 201 can also read the program directly from the portable recording medium and execute it. Next, the functions of the ATM 100 and the server 200 will be described in detail.

[0060] FIG. 5 is a block diagram showing an example of the functions of the ATM and the server. The ATM 100 has a memory unit 110, a transaction unit 120, an authentication unit 130, and a transmission / reception unit 140. The memory unit 110 is realized using a memory area of ​​the memory 102 or the storage device 103. The transaction unit 120, the authentication unit 130, and the transmission / reception unit 140 are realized by the processor 101 executing a program stored in the memory 102.

[0061] The storage unit 110 stores threshold information 111 including a threshold value for a transaction amount. The threshold value may be a different value for each transaction type, for example, as shown in FIG. The transaction unit 120 executes processing for transactions using the ATM 100. At the start of a transaction, the transaction unit 120 accepts the insertion of a cash card and the input of a PIN. For example, the transaction unit 120 causes the card processing unit 107a to accept the insertion of a cash card and read an account number from the inserted cash card. The transaction unit 120 then accepts the input of a PIN from the touch panel 106a and verifies that the correct PIN corresponding to the read account number has been entered. The transaction unit 120 accepts the input of transaction details. For example, the transaction unit 120 accepts input from the touch panel 106a to select the transaction type, transaction amount, transfer destination, etc.

[0062] Transaction unit 120 continues the transaction based on the received input if continuation of the transaction is permitted by authentication unit 130. After execution of the transaction, or if continuation of the transaction is not permitted, transaction unit 120 causes card processing unit 107a to eject the inserted cash card.

[0063] The authentication unit 130 determines whether the transaction amount of the transaction input by the transaction unit 120 is equal to or greater than a threshold. If the threshold is stored in advance in the storage device 103, the authentication unit 130 sets (stores) the threshold according to the transaction in the memory 102. The authentication unit 130 may request the server 200 to transmit the threshold. In this case, the authentication unit 130 obtains the threshold transmitted by the server 200 via the transmission / reception unit 140 and sets it in the memory 102.

[0064] When the authentication unit 130 determines that the transaction amount is equal to or greater than the threshold, it executes processing using the My Number card (My Number processing). The authentication unit 130 accepts input of My Number information related to the My Number card. For example, the authentication unit 130 causes the IC reading unit 107e to read the My Number card. Then, the authentication unit 130 performs a matching process (face authentication) between a facial image of the transactor captured by camera shooting and a facial image included in the input My Number information. Note that the facial image captured by camera shooting is acquired at the start of the transaction. The matching process is performed, for example, as follows.

[0065] The authentication unit 130 extracts facial features from both face images, and if the degree of match between the extracted facial features is equal to or greater than a predetermined value, determines that the transactor and the individual identified by the My Number card match. If the degree of match between the extracted facial features is less than a predetermined value, the authentication unit 130 determines that the transactor and the individual identified by the My Number card do not match.

[0066] When the authentication unit 130 determines that the transaction amount is less than the threshold, it determines whether or not to perform My Number processing depending on the transaction type. For example, the authentication unit 130 considers one or more of withdrawal, account transfer, and deposit as transactions that require My Number processing. When a transaction that is deemed to require My Number processing is performed, the authentication unit 130 performs My Number processing. Furthermore, the authentication unit 130 may perform My Number processing even if the transaction amount is less than the threshold when it is not a busy period or when there is no congestion.

[0067] If the matching is successful, the authentication unit 130 permits the trading unit 120 to continue the transaction. If the matching is not successful and the predetermined condition is not satisfied, the authentication unit 130 does not permit the trading unit 120 to continue the transaction. For example, if a setting is made indicating that the transaction may be continued even if the matching is not successful, or if the server 200 instructs that the transaction may be continued regardless of the matching result, it is determined that the predetermined condition is satisfied. Note that the setting indicating whether the transaction may be continued even if the matching is not successful may differ for each type of transaction.

[0068] The transmitting / receiving unit 140 controls the transmission and reception of data with the server 200. The transmitting / receiving unit 140 transmits and receives transaction information related to a transaction to and from the server 200, and receives an instruction signal from the server 200 instructing the server 200 to continue or interrupt the transaction. The transmitting / receiving unit 140 also transmits My Number information to the server 200. The My Number information may include a matching result that is a result of face authentication.

[0069] The server 200 includes a memory unit 210, a transaction continuation determination unit 220, a transmission / reception unit 230, and a registration unit 240. The memory unit 210 is realized using a memory area of ​​the memory 202 or the storage device 203. The transaction continuation determination unit 220, the transmission / reception unit 230, and the registration unit 240 are realized by the processor 201 executing a program stored in the memory 202.

[0070] The storage unit 210 stores transaction-related information 211. The transaction-related information 211 includes transaction information related to the transaction and My Number information. The storage unit 210 may also store account information related to the transactor's account, transaction history information, and a threshold value for the transaction amount for each transaction type.

[0071] The transaction continuation determination unit 220 determines whether or not to continue the transaction based on the matching result or the My Number information. For example, when the matching result (face authentication result) indicates that matching was not possible, the transaction continuation determination unit 220 determines that the transaction should not be continued. In addition, the transaction continuation determination unit 220 may determine that the transaction should not be continued when there is a discrepancy between the My Number information and the account information. For example, when the name in the My Number information and the name in the account information are different, the transaction continuation determination unit 220 determines that the transaction should not be continued.

[0072] The transmitter / receiver unit 230 transmits and receives transaction information relating to a transaction, receives My Number information, and transmits instruction signals to the ATM 100 to instruct the ATM 100 to continue or interrupt a transaction. The registration unit 240 registers the received transaction information and My Number information in the transaction-related information 211.

[0073] 5. Note that the lines connecting the elements shown in Fig. 5 indicate part of the communication paths, and communication paths other than those shown in the figure can also be set. Next, the transaction-related information 211 stored in the storage unit 210 will be described in detail.

[0074] FIG. 6 is a diagram showing an example of the transaction-related information. The transaction-related information 211 includes transaction ATM information, transaction information, and My Number information. The transaction ATM information includes a machine branch number that identifies the branch where the ATM 100 is installed, a machine number that identifies the ATM 100, a transaction date, and a transaction time. The transaction information includes a transaction name that indicates the type of transaction ("Withdrawal" in the example of FIG. 6), transaction card information that identifies the cash card inserted into the ATM 100, an input PIN number entered by the transaction user at the ATM 100, and a transaction amount. The My Number information includes whether My Number has been used ("Yes" in the example of FIG. 6) that indicates whether My Number has been used at the ATM 100, the registered name, registered address, individual number, other information, and a face recognition result that indicates the matching result ("OK" in the example of FIG. 6).

[0075] The processing procedure of the ATM according to the second embodiment will be described below with reference to a flowchart. 7 and 8 are a flowchart illustrating an example of a processing procedure of the ATM according to the second embodiment.

[0076] Step S10: When a transaction using the ATM 100 starts, the camera 107f captures an image of the transactor's face, and the authentication unit 130 acquires the captured facial image of the transactor. Step S11: The transaction unit 120 accepts the insertion of a cash card and identifies the account. For example, the transaction unit 120 causes the card processing unit 107a to accept the insertion of a cash card and read the account number from the inserted cash card.

[0077] Step S12: The transaction unit 120 accepts the input of the PIN and verifies the PIN. For example, the transaction unit 120 accepts the input of the PIN from the touch panel 106a, and while communicating with the server 200, verifies that the correct PIN corresponding to the read account number has been entered.

[0078] Step S13: The transaction unit 120 accepts input of transaction details. For example, the transaction unit 120 accepts input to select the transaction type, transaction amount, transfer destination, etc., from the touch panel 106a.

[0079] Step S14: The authentication unit 130 judges whether or not the threshold value of the transaction amount has been transmitted or received. For example, if the server 200 instructs the execution of transmission and reception of the threshold value of the transaction amount, it judges that transmission and reception has been performed, and if there is no such instruction, it judges that no transmission and reception has been performed. If it is judged that transmission and reception has been performed, the process of step S15 is performed, and if it is judged that no transmission and reception has been performed, the process of step S17 is performed.

[0080] Step S15: A process of transmitting and receiving the threshold is performed. The transmitting and receiving unit 140 requests the server 200 to transmit the threshold. The server 200 transmits the threshold to the ATM 100, and the transmitting and receiving unit 140 of the ATM 100 receives the threshold. Note that, if different thresholds are set depending on the transaction type, the transmitting and receiving unit 140 may transmit the input transaction type to the server 200, and the server 200 may transmit the threshold corresponding to that transaction type.

[0081] Step S16: The authentication unit 130 obtains the threshold value received by the transmission / reception unit 140, and sets it in the memory 102. After that, the process of step S20 is performed. Step S17: The authentication unit 130 judges whether or not a threshold has already been set in the ATM 100. For example, the authentication unit 130 judges that a threshold has been set if the threshold has been stored in advance in the storage device 103. If it is judged that a threshold has been set, the process of step S18 is performed, and if it is judged that a threshold has not been set, the process of step S19 is performed.

[0082] Step S18: The authentication unit 130 sets the threshold value in the memory 102. For example, if different threshold values ​​are stored in the storage device 103 depending on the transaction type, the authentication unit 130 reads out the threshold value corresponding to the input transaction type from the storage device 103 and sets it in the memory 102. Thereafter, the process of step S20 is performed.

[0083] Step S19: If it is determined that the ATM 100 does not have a threshold set, the authentication unit 130 sets a value indicating that there is no threshold in the memory 102 (in FIG. 7, this is indicated as "set no threshold"). Then, the process of step S21 is performed.

[0084] Step S20: The authentication unit 130 judges whether the input transaction amount is equal to or greater than a set threshold. If it is judged that the transaction amount is equal to or greater than the threshold, the process of step S22 is performed, and if it is judged that the transaction amount is not equal to or greater than the threshold, the process of step S21 is performed.

[0085] Step S21: The authentication unit 130 judges whether My Number processing is necessary. For example, if the input transaction type matches a preset transaction type that requires My Number processing, the authentication unit 130 judges that My Number processing is necessary. If it is judged that My Number processing is necessary, the processing of step S22 is performed, and if it is judged that My Number processing is not necessary, the processing of step S29 is performed.

[0086] Step S22: The authentication unit 130 performs My Number processing. The My Number processing includes the following two steps. Step S22a: The authentication unit 130 accepts input of My Number information related to the My Number card.

[0087] FIG. 9 is a diagram showing an example of the My Number information input acceptance screen. The authentication unit 130 causes the display 105a to display a My Number information input reception screen 400 as shown in Fig. 9. The My Number information input reception screen 400 displays a message indicating that a My Number card is required for the transaction and prompting the user to hold the My Number card over the IC reading unit 107e (in the example of Fig. 9, this is indicated as My Number Reader). Furthermore, the My Number information input reception screen 400 highlights the position of the IC reading unit 107e in the ATM 100.

[0088] When a transactor holds (or places) his / her My Number card over (or on) IC reading unit 107e, authentication unit 130 causes IC reading unit 107e to read the My Number card.

[0089] FIG. 10 is a diagram showing an example of the My Number processing screen. When reading the My Number card, the authentication unit 130 causes the display 105a to display a My Number processing screen 401 as shown in Fig. 10. The My Number processing screen 401 displays a message urging the transactor to avoid moving the My Number card because the My Number card is being processed.

[0090] Step S22b: The authentication unit 130 compares the face image of the transactor captured by the camera with the face image included in the input My Number information. The authentication unit 130 extracts facial features from both face images and determines whether the degree of match between the extracted facial features is equal to or greater than a predetermined value.

[0091] Step S23: The authentication unit 130 judges whether the matching result is OK or not. For example, if the degree of match between the facial image of the transactor captured by camera and the feature amount extracted from the facial image included in the input My Number information is equal to or greater than a predetermined value, the authentication unit 130 judges that the matching result is OK. In this case, the process of step S25 is performed. If it is judged that the matching result is not OK (NG), the process of step S24 is performed.

[0092] Step S24: The authentication unit 130 judges whether or not the transaction is possible even if the matching result is NG. For example, if a setting is made indicating that the transaction may be continued even if matching is not possible, or if an instruction is given from the server 200 that the transaction may be continued regardless of the matching result, the authentication unit 130 judges that the transaction is possible even if the matching result is NG. In this case, the process of step S25 is performed. If it is judged that the matching result is NG and the transaction is not possible, the process of step S28 is performed.

[0093] Step S25: The trading unit 120 continues the transaction based on the received input. FIG. 11 is a diagram showing an example of the My Number processing completion screen. When the My Number processing is completed and the transaction is to be continued, the authentication unit 130 causes the display 105a to display a My Number processing completion screen 402 as shown in Fig. 11. The My Number processing completion screen 402 displays a message indicating that the My Number card processing is completed, a message prompting the user to remove the My Number card from the IC reading unit 107e, and a message prompting the user to continue the processing (transaction processing).

[0094] Step S26: The transmitting / receiving unit 140 transmits and receives transaction information relating to the transaction to and from the server 200, and also transmits My Number information to the server 200. Step S27: The transaction unit 120 judges whether or not the transceiver unit 140 has received an instruction signal to interrupt the transaction from the server 200. If it is judged that an instruction signal to interrupt the transaction has been received, the process of step S28 is performed, and if it is judged that an instruction signal to interrupt the transaction has not been received, the process of step S29 is performed.

[0095] Step S28: The transaction unit 120 suspends the transaction. At this time, the transaction unit 120 may display the reason for suspending the transaction on the display 105a (for example, verification was not possible (identification was not possible)). After the process of step S28, the process of step S30 is performed.

[0096] Step S29: The trading unit 120 continues the transaction. Step S30: The transaction unit 120 returns the cash card. For example, the transaction unit 120 causes the card processing unit 107a to release the cash card inserted in the process of step S11. Then, the transaction is completed.

[0097] The above processing order is an example, and the processing order may be changed as appropriate. In this way, the ATM 100 determines whether the transaction amount is equal to or greater than the threshold, and if it is determined that the amount is equal to or greater than the threshold, it performs My Number processing. In My Number processing, the ATM 100 performs a comparison process (facial recognition) between the face image of the transactor captured by a camera and the face image included in the input My Number information, and if a match is made, the transaction continues. If a match is not made and it is determined that the transaction is not possible, the ATM 100 suspends the transaction.

[0098] In the ATM 100 of the second embodiment, even if the cash card and PIN are stolen by a malicious person, if a match cannot be made by face authentication using the My Number card, the transaction can be suspended unless a predetermined condition is met. Even if the cash card, PIN, and My Number card are stolen, if the face image of the transactor captured by a camera does not match the face image obtained from the My Number information, the transaction can be suspended.

[0099] In addition, ATM 100 does not perform facial authentication using the My Number card for all transactions, but only when the transaction amount is above a threshold, thereby enabling stricter authentication of transactions by the person involved without compromising the convenience of the transaction.

[0100] In addition, the ATM 100 transmits transaction information and My Number information related to the transaction to the server 200. This makes it possible to easily conduct future investigations and the like using the transaction information and My Number information stored in the server 200.

[0101] Furthermore, the ATM 100 transmits the result of the face authentication matching to the server 200, and the server 200 determines whether or not to continue the transaction based on the result of the matching or the My Number information. If the server 200 determines that the transaction should not be continued, it transmits an instruction signal to the ATM 100 to instruct the ATM 100 to suspend the transaction, and the ATM 100, having received the instruction signal, suspends the transaction.

[0102] As a result, after the ATM 100 transmits the transaction information and My Number information to be used for future investigations to the server 200, the transaction can be suspended based on the collation result and the My Number information. For example, if the collation result is NG, the ATM 100 can suspend the transaction when it receives the instruction signal. Also, even if a cash card and PIN are stolen by a malicious person and that person uses his or her own My Number card, the server 200 can determine not to continue the transaction due to a discrepancy between the My Number information and the account information. In this case, an instruction signal instructing suspension of the transaction is transmitted to the ATM 100, so the ATM 100 can suspend the transaction.

[0103] Although the embodiments have been described above, the configurations of the parts shown in the embodiments can be replaced with other configurations having similar functions. Any other components or steps may be added. Furthermore, any two or more configurations (features) of the above-described embodiments may be combined. [Explanation of symbols]

[0104] 10. Automatic transaction equipment 11 Storage section 12 Processing section 13. Camera 13a Facial image 14 My Number Card 20 Servers

Claims

1. A storage unit that stores a threshold value of a transaction amount; a processing unit which determines whether the transaction amount of the transaction is equal to or greater than the threshold value, and if it is determined that the transaction amount is equal to or greater than the threshold value, accepts input of My Number information related to the My Number card, performs a process of matching a first facial image of the transactor captured by a camera with a second facial image included in the input My Number information, and continues the transaction if a match is made, and aborts the transaction if a match is not made and a predetermined condition is not satisfied; An automated transaction device having the above configuration.

2. The automated transaction device according to claim 1 , wherein the processing unit transmits transaction information relating to the transaction and the My Number information to a server.

3. The automated transaction device described in claim 1, wherein when the transaction amount is less than the threshold, the processing unit determines whether or not to perform processing using the My Number card depending on the type of transaction, and when it determines to perform processing using the My Number card, accepts input of the My Number information.

4. an automated transaction device that determines whether a transaction amount is equal to or exceeds a threshold, and if it is determined that the amount is equal to or exceeds the threshold, accepts input of My Number information related to the My Number card, performs a process of matching a first facial image of the transactor captured by a camera with a second facial image included in the input My Number information, and continues the transaction if a match is made, and aborts the transaction if a match is not made and a predetermined condition is not satisfied; a server that performs a process of transmitting and receiving transaction information related to the transaction with respect to the automated transaction device; An automated trading system having

5. The automated transaction device transmits the My Number information to the server, The server stores the My Number information together with the transaction information received from the automated transaction device.

5. The automated trading system of claim 4.

6. The automated transaction device transmits a matching result of the matching process to the server, The server determines whether or not to continue the transaction based on the collation result or the My Number information, and when determining that the transaction should not be continued, transmits an instruction signal to the automated transaction device to instruct the transaction to be interrupted; The automated transaction device, upon receiving the instruction signal, suspends the transaction.

5. The automated trading system of claim 4.

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