Automatic transaction apparatus

Abstract

To perform simple account opening transaction processing using a My Number card 24.SOLUTION: Authentication processing data 30 and account opening data 36 including registered face image data 34 of a user stored in a My Number card 24 are read by communicating with the My Number card 24 of the user. The user is requested to input supplementary data 42. Authentication processing data 30 are transmitted to a server 20 of a public personal authentication bureau through a network 18, and a reply of a validity determination result is received. A face authentication determination request for comparing the registered face image data 34 acquired from the Individual Number card 24 with the photographed face image data 46 obtained by the photographing device 44 is transmitted to the face authentication determination server 22 connected through the network 18, and a return of a face authentication determination result 52 is received. Thus, the personal identification processing is completed, and the account opening transaction processing of the user is performed.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an automated transaction device that processes an account opening transaction using a My Number card. [Background technology]

[0002] While ATMs (automated teller machines) have been installed in many convenience stores and are replacing the counter terminals of many financial institutions, some financial institutions do not even have physical branches. In order to attract more customers, these types of financial institutions require a system that allows for easy and accurate account opening. Account opening requires identity verification. Identity verification systems incorporate various measures to prevent fraudulent operations (Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6513866 Summary of the Invention [Problem to be solved by the invention]

[0004] The present invention provides an automated transaction device that can automatically process an account opening transaction after completing identity verification, while ensuring reliability by utilizing the public personal authentication system for My Number cards. [Means for solving the problem]

[0005] The following configurations are means for solving the above problems.

[0006] <Configuration 1> A reader 28 that communicates with the user's My Number card 24 and reads the user's authentication processing data 30, registered face image data 34, and account opening data 36 including the user's address, name, date of birth, and gender stored in the My Number card 24; a data input device (40) that requests the user to input supplementary data (42) including the pronunciation of the user's name and a set personal identification number; a first determination request unit (54) that transmits the authentication processing data (30) read by the reader (28) to the server (20) of the public personal authentication authority via the network (18) and receives a reply indicating the validity determination result of the authentication processing data (30); a photographing device 44 for photographing a face image of the user; a second determination request unit (56) that transmits a face authentication determination request for comparing registered face image data (34) acquired from the Individual Number card (24) with photographed face image data (46) acquired by the photographing device (44) to a built-in face authentication determination device (48) or a face authentication determination server (22) connected via the network (18), and receives a return face authentication determination result (52); An automated transaction device that processes an account opening transaction using a My Number card 24, characterized in that it comprises an account opening transaction processing unit 58 that, when the judgment result received by the first judgment request unit 54 is "valid" and the judgment result received by the second judgment request unit 56 is "identity," completes the identity verification process, processes the user's account opening transaction using the account opening data 36 read by the reading device 28 and the supplementary data 42 input by the data input device 40, transmits the account opening request data 38 to the management system 16 of the financial institution 14, and completes the account opening transaction.

[0007] <Configuration 2> An account opening device using a My Number card 24 as described in configuration 1, characterized in that after sending account opening request data 38 to the management system 16 of the financial institution 14, the account opening transaction processing unit 58 erases all data used for identity verification processing in the account opening transaction processing. [Effects of the Invention]

[0008] <Effects of Configuration 1> When the facial authentication determination server 22 connected via the network 18 performs the process of comparing the registered facial image data 34 acquired from the Individual Number card 24 with the captured facial image data 46 acquired by the photographing device 44, the burden of the facial authentication determination process on the automated teller machine 12 is reduced. Furthermore, since there is no need to manage the facial authentication determination program or update it for performance improvement for each automated teller machine, it is possible to prevent variations in the facial authentication determination performance of the many automated teller machines 12 used for account opening. In other words, the determination accuracy can be maintained and further improved on the facial authentication determination server 22 side. For example, this can be achieved by adding a facial authentication determination function to an existing server for monitoring the operation of the automated teller machine 12, thereby minimizing the cost of implementing the system. For example, in an unmanned store, when a tablet computer or the like is used as the automated transaction apparatus 12, there is a risk that the automated transaction apparatus 12 may be maliciously modified, for example, by switching the application. However, if the validity of the authentication processing data 30 and the face authentication determination using face image data are performed outside the automated transaction apparatus 12, this concern is eliminated. On the other hand, if the face authentication determination device 48 is built into the automated teller machine 12, communication traffic will decrease and there will be no need to request the network 18 to send and receive large amounts of image data. Also, for example, even if there is a temporary surge in account opening requests, the time required for determination processing can be reduced. <Effects of Configuration 2> The data required for account opening transactions is limited, and does not need to be saved after identity verification processing is complete, so it can be deleted immediately to ensure the protection of personal information. If facial authentication determination processing is not performed inside the automated transaction device 12, the area and time for temporarily saving the relevant data can be minimized, so the deletion processing of personal information can be done reliably. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a block diagram showing a specific example of a system according to the present invention; [Figure 2] FIG. 2 is an explanatory diagram of a data transmission and reception process of the system according to the embodiment. [Figure 3]10 is a flowchart showing the operation from the start of the account opening transaction process to the process of determining the validity of the electronic certificate. [Figure 4] 10 is an operational flowchart from face authentication processing to completion of account opening transaction processing. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, embodiments of the present invention will be described in detail for each example. [Example]

[0011] Figure 1 is a block diagram showing an example of a system using an automated teller machine of the present invention. An automated teller machine 12 is connected to a management system 16 of a financial institution 14. This example shows one of many automated teller machines installed in various locations, such as branches of the financial institution 14 or convenience stores. The automated teller machine 12 can communicate with a server 20 of a public personal authentication authority and a face authentication judgment server 22 via a network 18.

[0012] The automated transaction equipment 12 acquires and processes various data as shown in the storage device 26 using various functions provided in the control device 13. The control device 13 is provided with a reading device 28, a data input device 40, a photographing device 44, and a face authentication determination device 48. These devices have the function of accepting operations by the user 11 and executing account opening transaction processing. The specific functions of each device will be explained individually later.

[0013] The control device 13 is further provided with a first judgment request unit 54, a second judgment request unit 56, and an account opening transaction processing unit 58. The first judgment request unit 54 has a function of communicating with the public personal authentication authority server 20, the second judgment request unit 56 has a function of communicating with the face authentication judgment server 22, and the account opening transaction processing unit 58 has a function of communicating with the management system 16. These specific functions will also be described individually later.

[0014] As the account opening transaction process progresses, data such as that shown in the figure is sequentially input and stored in storage device 26. In the example of this figure, authentication processing data 30, registered face image data 34, account opening data 36, ​​account opening request data 38, replenishment data 42, photographed face image data 46, validity determination result 50, face authentication determination result 52, account opening notice 60, and passbook data 62 are stored. The specific contents of these will be explained in order below.

[0015] In the present invention, the user 11 can operate an ATM and request the opening of an account using the My Number card 24. This allows for a simple and highly secure account opening transaction. In addition to known ATMs installed in branches of the financial institution 14, terminal devices (not shown), such as tablet computers, that have a communication function with the management system 16 of the financial institution 14, can also be provided with the same functions as ATMs for account opening transactions. Here, the ATMs and terminal devices that have the function of requesting the financial institution 14 to process an account opening transaction will be collectively referred to as the automated transaction device 12, and the following description will be given.

[0016] It is also possible to give the smartphone 25 the functionality of the My Number card 24. Here, both the My Number card 24 and the smartphone 25 equipped with the functionality of the My Number card 24 will be collectively referred to as the My Number card 24 in the following description.

[0017] As shown in Figure 1, the control device 13 of the automated teller machine 12 can communicate with the public personal authentication authority's server 20 and the face authentication judgment server 22 via the network 18, perform identity verification processing, and request an account opening to the management system 16 of the financial institution 14.

[0018] The functions of each part of the control device 13 of the automated transaction device 12 will be described using Figure 2. As shown in Figure 2(a), the control device 13 of the automated transaction device 12 includes a reading device 28 that communicates with the user's My Number card 24 and reads the authentication processing data 30 and account opening data 36 stored on the My Number card 24. The reading device 28 is, for example, an IC card reader. The authentication processing data 30 also includes registered face image data 34 obtained by reading the My Number card 24. The account opening data 36 is data essential for account registration, known as the four basic pieces of information, including address, name, date of birth, and gender.

[0019] In addition, as shown in FIG. 2(b), the automated transaction machine 12 is provided with a data input device 40 to request the user to enter replenishment data 42, such as the reading of the user's name, a set PIN number, and a telephone number. The data input device 40 is, for example, a touch panel. The data input device 40 may also be a device that receives replenishment data 42 that has been input in advance to the smartphone 25.

[0020] As shown in Figure 2(c), the control device 13 of the automated teller machine 12 communicates with the server 20 of the public personal authentication authority via the first network 18, transmits the acquired authentication processing data 30, and receives the validity determination result 50 in return. This makes it possible to determine whether the My Number card 24 is a counterfeit. The part that executes this process is referred to as the first determination request unit 54.

[0021] Meanwhile, the automated teller machine 12 is equipped with a photographing device 44 that photographs a facial image of the user. The photographing device 44 is, for example, a camera provided on a panel of the automated teller machine 12. The automated teller machine 12 transmits the registered facial image data 34 acquired from the My Number card 24 and the photographed facial image data 46 photographed by the photographing device 44 to the face authentication judgment server 22, and receives a reply of a face authentication judgment result 52. The part that executes this process is referred to as a second judgment requesting unit 56.

[0022] A face authentication determination device 48 (FIG. 1) can be incorporated into the automated teller machine 12 to compare the feature points of the registered face image data 34 and the captured face image data 46. This face authentication determination device 48 may be one that is already installed for identity verification during financial transactions. However, in this embodiment, to perform face authentication determination with higher accuracy, a request is made to the face authentication determination server 22.

[0023] After receiving the validity determination result 50 and the face authentication determination result 52 and completing identity verification, the automated transaction device 12 uses the account opening data 36 and replenishment data 42 to send account opening request data 38 to the management system 16. An account opening notification 60 is returned from the management system 16, and passbook data 62 to be provided to the user is generated.

[0024] The transaction processing operation of the automated transaction device 12 will be described below with reference to the flowcharts in Figures 3 and 4. In Figure 3, first, in step S11, an account opening transaction start request is accepted. The user 11 operates the transaction screen of the automated transaction device 12, and the process begins.

[0025] In step S12, the user is requested to input a password for reading the electronic certificate. This is a 6- to 16-digit code that is one of the passcodes set when acquiring the My Number card 24. In step S13, the data input device 40 accepts the input of the password.

[0026] In step S14, a request is made to hold the My Number Card (MNC) 24 over a reading unit (not shown) of the data input device 40. In step S15, the electronic certificate is read from the MNC 24. In step S16, the first judgment request unit 54 transmits the read authentication processing data 30 to the public personal certification authority server 20 and requests that the validity of the data be judged.

[0027] In step S17, the first determination request unit 54 receives the validity determination result 50 from the public personal certification authority server 20. In step S18, the first determination request unit 54 determines whether the result is "valid." If the result of this determination is YES, the process proceeds to step S19, and if the result is NO, the transaction is terminated.

[0028] In step S19, the data input device 40 requests the entry of the PIN number (four digits) of the MNC 24. In step S20, the entry of the PIN number is accepted. In step S21, the MNC 24 is requested to be held over the reading section of the reading device 28. In step S22, the account opening data 36 (four basic pieces of information) and the registered face image data 34 are read from the MNC 24. In step S23, the process proceeds to face authentication processing.

[0029] 4, in step S31, face authentication processing is started. In step S32, the face of the user 11 is photographed by the photographing device 44 to obtain photographed face image data 46. In step S33, the second judgment request unit 56 transmits the registered face image data 34 and the photographed face image data 46 to the face authentication judgment server 22, and requests face authentication judgment processing.

[0030] In step S34, the second determination request unit 56 receives the face authentication determination result 52 from the face authentication determination server 22. In step S35, it is determined whether the captured face image data is of the person in the registered image data. If the result of this determination from the face authentication determination result 52 is YES, the process proceeds to step S36, and if the result is NO, the transaction process is terminated.

[0031] In step S36, the data input device 40 requests the user 11 to input supplementary data 42. In step S37, the account opening transaction processing unit 58 generates account opening data 36 from the four basic information read from the My Number card 24 and the supplementary data 42. In step S38, the account opening transaction processing unit 58 performs the account opening process using the generated data.

[0032] That is, in step S39, the account opening transaction processing unit 58 transmits the account opening request data 38 to the bank's management system 16. In step S40, an account opening notification 60 is received in return from the management system 16. In step S41, the completion of the account opening transaction is displayed on the operation screen of the automated teller machine 12. In step S42, the passbook data 62 is printed or transmitted to the user's terminal device.

[0033] This completes the account opening transaction process. After that, in step S43, the automated transaction machine 12 erases all data used for the identity verification process in the account opening transaction process, including the read data, replenishment data, received data, generated data, and photographed image data.

[0034] As described above, the first determination request unit 54 of the automated teller machine 12 reads the data stored in the My Number card 24 and requests the public personal authentication authority's server 20 to determine its validity, and the second determination request unit 56 sends the registered face image data 34 and the captured face image data 46 to the face authentication determination server 22 to request a face authentication determination, and the result can be used to complete the identity verification process. Once the identity verification process is complete, the account opening request data 38 is immediately sent to the financial institution 14, completing the account opening transaction process. If the data used in the identity verification process is then completely erased from the automated teller machine 12, personal information can be reliably protected.

[0035] Furthermore, the most common transaction requiring identity verification at financial institutions is an account opening transaction. However, of course, there are other cases where identity verification is required, such as when withdrawing large amounts of money, transferring funds, or carrying out inheritance procedures. By providing the My Number card reader 26, data input device 40, first determination request unit 54, photographing device 44, and second determination request unit 56, and by performing identity verification processing when the determination result received by the first determination request unit 54 is "valid" and the determination result received by the second determination request unit 56 is "identity," the security of financial transactions can be ensured. [Explanation of symbols]

[0036] 11 User 12 Automatic transaction equipment 13 Control device 14 Financial institutions 16 Management Systems 18 Network 20 Public Personal Certification Authority Server 22 Facial recognition judgment server 24 My Number Card 25 Smartphone with My Number Card functionality 26 Storage device 28 Reading device 30 Authentication processing data 34 Registered face image data 36 Account opening data 38 Account opening request data 40 Data input device 42 Supplementary Data 44 Imaging Device 46 Photographed facial image data 48 Face recognition judgment device 50 Efficacy assessment results 52 Face recognition result 54 First Judgment Request Department 56 Second Judgment Request Division 58 Account opening transaction processing section 60 Account Opening Notification 62 Bankbook Data

Claims

1. A reader that communicates with the user's My Number card and reads the user's authentication processing data, registered face image data, and account opening data including the user's address, name, date of birth, and gender stored on the My Number card; a data input device that requests the user to input supplementary data including the pronunciation of the user's name and a set personal identification number; a first determination request unit that transmits the authentication processing data read by the reader to a server of a public personal authentication authority via a network and receives a return of a validity determination result of the authentication processing data; a photographing device for photographing a face image of a user; a second determination request unit that sends a facial authentication determination request to a built-in facial authentication determination device or a facial authentication determination server connected via a network to compare registered facial image data acquired from the Individual Number card with photographed facial image data acquired by the photographing device, and receives a reply of the facial authentication determination result; An automated transaction device that processes account opening transactions using My Number cards, characterized in that it is equipped with an account opening transaction processing unit that, when the judgment result received by the first judgment request unit is "valid" and the judgment result received by the second judgment request unit is "identity," completes the identity verification process, processes the user's account opening transaction using the account opening data read by the reading device and the supplementary data input by the data input device, transmits the account opening request data to the financial institution's management system, and completes the account opening transaction.

2. An account opening device that processes account opening transactions using a My Number card as described in claim 1, characterized in that after sending account opening request data to the financial institution's management system, the account opening transaction processing unit erases all data used for identity verification processing in the account opening transaction processing.

Images