Information processing device, information processing method, and program

Abstract

To provide a novel and improved information processing device, which can improve the accuracy of personal authentication based on customer data, an information processing method, and a program.SOLUTION: In a cash processing system in which a financial institution host controls various transactions by communicating with multiple cash processing devices via a dedicated network, a cash processing device 20, which is an information processing device, can improve the accuracy of personal authentication by including: a data acquisition unit (card reading unit 220, passbook reading unit 230) configured to acquire first customer data linked to a first medium and second customer data linked to a second medium; and an authentication unit 240 configured to perform authentication including determining the commonality between the first customer data and the second customer data.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]

[0002] In recent years, there have been many cases of cash cards and credit cards linked to financial accounts being stolen and used fraudulently, which has become a social problem. Various technologies have been developed to reduce the damage caused by such fraudulent use of cash cards and credit cards. For example, Patent Document 1 discloses a technology that enhances security in a debit card service using a cash card by setting up a dedicated purchase account separate from a savings account, thereby enabling payments to be made without entering the PIN number for the savings account into a payment terminal. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2006-12073 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the accuracy of personal authentication in the past has been insufficient, resulting in associated problems. For example, in conventional cash processing machines, anyone who holds the actual cash card or passbook and knows the PIN number can withdraw cash. In other words, if a cash card or other device is stolen and the PIN number is discovered, a third party other than the cardholder can withdraw cash. Therefore, in order to prevent fraudulent use of cash cards, it is desirable to improve the accuracy of personal authentication in cash processing machines.

[0005] Therefore, the present invention has been made in consideration of the above situation, and aims to provide a new and improved information processing device, information processing method, and program that can improve the accuracy of identity authentication based on customer data. [Means for solving the problem]

[0006] In order to solve the above problem, according to one aspect of the present invention, a display unit that sequentially displays an insertion slot into which a medium is inserted, a screen that guides the user to insert a first medium, which is a transaction medium corresponding to an account for which a cash transaction is to be executed, into the insertion slot, and a screen that guides the user to insert a second medium, which is a transaction medium corresponding to an account at a financial institution different from the account corresponding to the first medium, into the insertion slot; First customer data associated with the first medium; and The inserted into the insertion port An information processing device is provided, comprising: a data acquisition unit that acquires second customer data linked to a second medium; and an authentication unit that performs authentication including determining commonality between the first customer data and the second customer data.

[0007] The information processing device may further include a control unit that ejects the first medium from the insertion port, and the display unit may display a screen that guides the user to insert the second medium after the control unit has ejected the first medium.

[0008] The first customer data and the second customer data may include name information, and the determination of commonality may be a determination of whether the name information included in the first customer data matches the name information included in the second customer data.

[0009] The information processing device may further include an input unit, into which an operator inputs a personal identification number, and the authentication performed by the authentication unit may include determining whether the personal identification number input into the input unit is correct.

[0010] The information processing device may further include a control unit, and the control unit may control cash processing based on the authentication result of the authentication unit.

[0011] The data acquisition unit may acquire the first customer data from a database of a financial institution for an account corresponding to the first medium, and may acquire the second customer data from a database of a financial institution for an account corresponding to the second medium.

[0012] The information processing device may further include a notification unit, which notifies an external device based on the authentication result of the authentication unit.

[0013] The first customer data may include information indicating whether authentication including the determination of commonality is valid, and when the information indicates that authentication including the determination of commonality is valid, the control unit may cause the authentication unit to perform authentication including the determination of commonality, and may control cash processing involving depositing money into or withdrawing money from an account corresponding to the first medium based on the authentication result.

[0014] In addition, in order to solve the above problems, a screen for guiding the user to insert a first medium, which is a transaction medium corresponding to an account for executing a cash transaction, into an insertion slot, and a screen for guiding the user to insert a second medium, which is a transaction medium corresponding to an account at a financial institution different from the account corresponding to the first medium, into the insertion slot; First customer data associated with the first medium; and The inserted into the insertion port An information processing method implemented by a computer is provided, which includes obtaining second customer data associated with a second medium, and performing authentication including determining commonality between the first customer data and the second customer data.

[0015] In order to solve the above problem, a computer is a display unit that sequentially displays a screen that guides the user to insert a first medium, which is a transaction medium corresponding to an account for which a cash transaction is to be executed, into an insertion slot, and a screen that guides the user to insert a second medium, which is a transaction medium corresponding to an account at a financial institution different from the account corresponding to the first medium, into the insertion slot; First customer data associated with the first medium; and The inserted into the insertion port A program is provided to function as a data acquisition unit that acquires second customer data linked to a second medium and an authentication unit that performs authentication including determining commonality between the first customer data and the second customer data. [Effects of the Invention]

[0016] According to the present invention as described above, it is possible to improve the accuracy of personal authentication based on customer data. [Brief explanation of the drawings]

[0017] [Figure 1] 1 is an explanatory diagram showing the configuration of a cash handling system according to an embodiment of the present invention. [Figure 2] FIG. 2 is an explanatory diagram showing the internal configuration of the cash processing device 20. [Figure 3] 4 is a flowchart showing an example of operation of the cash processing device 20 according to the embodiment of the present invention. [Figure 4] 10 is a flowchart showing the operation of a cash processing device 20 according to a first modified example. [Figure 5] 2 is an explanatory diagram showing a specific example of information contained in a database held by a financial institution host 10. FIG. [Figure 6] 10 is a flowchart showing the operation of a cash processing device 20 according to a second modified example. DETAILED DESCRIPTION OF THE INVENTION

[0018] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant explanations will be omitted.

[0019] In addition, in this specification and drawings, multiple components having substantially the same functional configuration may be distinguished by adding different letters to the same reference numeral. However, if there is no need to particularly distinguish between multiple components having substantially the same functional configuration, only the same reference numeral will be used to distinguish each of the multiple components.

[0020] <0. Overview of the cash handling system> Embodiments of the present invention can be applied to a variety of information processing devices that perform identity authentication based on customer data. Examples of various information processing devices include cash processing devices used in financial institutions, access control devices used in companies, and payment terminals used in retail stores. This specification mainly describes examples in which embodiments of the present invention are applied to cash processing devices used in financial institutions, but as mentioned above, the application of embodiments of the present invention is not limited to cash processing devices used in financial institutions. Below, we will first provide an overview of the cash processing device used in financial institutions in embodiments of the present invention.

[0021] 1 is an explanatory diagram showing the configuration of a cash handling system according to an embodiment of the present invention. As shown in FIG. 1, the cash handling system includes a cash processing device 20, a financial institution host 10, and an external terminal 13.

[0022] The cash processing device 20 is a customer-operated terminal that executes monetary transactions based on operations by customers of a financial institution. This cash processing device 20 is installed in a variety of facilities such as financial institution branches, convenience stores, train stations, hotels, shopping centers, hospitals, amusement parks, restaurants, and office buildings.

[0023] The cash processing device 20 also includes an operation and display unit 22, a bankbook insertion slot 24, a card insertion slot 26, a receipt ejection slot 27, a bill slot 28, and a coin slot 29.

[0024] The operation display unit 22 has both a display function that displays a guidance screen for customer operations and an operation detection function that detects customer operations. The display function is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The operation detection function is realized, for example, by a touch panel, and may also include an input function through which information is input by customers. Note that while FIG. 1 shows an example in which the display function and the operation detection function are integrated in the cash processing device 20, the display function and the operation detection function may also be configured separately.

[0025] The passbook insertion slot 24 is an opening for inserting and ejecting a customer's passbook. The card insertion slot 26 is an opening for inserting and ejecting a customer's cash card. The receipt ejection slot 27 is an opening for ejecting a receipt on which transaction details are printed. The bill slot 28 functions as a slot for customers to deposit bills and a slot for dispensing bills to customers. The coin slot 29 functions as a slot for customers to deposit coins and a slot for dispensing coins to customers.

[0026] The private network 12 is a network of a financial institution and is configured, for example, by an IP-VPN (Internet Protocol-Virtual Private Network). The cash processing device 20 can communicate with the financial institution host 10 and the external terminal 13 via this private network 12.

[0027] The financial institution host 10 controls various transactions by communicating with the cash processing device 20 via the dedicated network 12. For example, the financial institution host 10 executes monetary transactions (account transaction processing) such as deposits and transfers instructed by customers in the cash processing device 20. The financial institution host 10 may have a database that stores information (account ledger) such as account number, PIN, name, address, age, date of birth, telephone number, occupation, family composition, annual income, and deposit balance.

[0028] The external terminal 13 is a terminal installed outside the cash processing machine, which communicates with the cash processing device 20 via the dedicated network 12. For example, the external terminal 13 may be a terminal installed in a branch of a financial institution and operated by a bank employee at the branch. The external terminal 13 receives information related to operations performed on the cash processing device 20 via the dedicated network 12. For example, the external terminal 13 can obtain details of monetary transactions, such as withdrawals, deposits, and transfers, instructed by customers at the cash processing device 20.

[0029] <1. Internal structure of cash processing device> The outline of the cash handling system according to the embodiment of the present invention has been explained above. Next, the internal configuration of the cash handling device 20 will be explained.

[0030] Figure 2 is an explanatory diagram showing the internal configuration of the cash processing device 20. As shown in Figure 2, the cash processing device 20 includes an operation and display unit 22, an interface unit 210, a card reading unit 220, a passbook reading unit 230, an authentication unit 240, a banknote deposit and withdrawal unit 250, a coin deposit and withdrawal unit 260, a memory unit 270, and a control unit 280.

[0031] As described with reference to Fig. 1, the operation display unit 22 has both the function of a display unit that displays a screen guiding the customer's operation and the function of an operation detection unit that detects operations performed by the customer. The operation display unit 22 may display a screen guiding the customer to insert a card or a passbook into the card insertion slot 26 or the passbook insertion slot 24. The operation detection function of the operation display unit 22 may also include the function of an input unit into which the customer inputs information. The operation detection function may be realized by a resistive film method or an infrared method.

[0032] The interface unit 210 transmits and receives various information to and from the financial institution host 10 and the external terminal 13 via the dedicated network 12. For example, the interface unit 210 transmits to the financial institution host 10 information indicating an account number read from a customer's cash card by the card reading unit 220 or information indicating an account number read from a bankbook by the bankbook reading unit 230, and receives information corresponding to the account number from the financial institution host 10. The interface unit 210 also communicates information for executing a transaction (such as the transaction type and transaction amount) with the financial institution host 10. The interface unit 210 also functions as a notification unit that notifies the external terminal 13 of details related to a transaction in the cash processing device 20 (such as customer data and transaction amount).

[0033] The card reading unit 220 reads the magnetic information recorded on the customer's cash card inserted through the card insertion slot 26. The magnetic information may include customer data indicating, for example, name information, account number, account type, etc. In this case, the card reading unit 220 can function as a data acquisition unit that acquires customer data from the cash card.

[0034] The passbook reading unit 230 reads magnetic information recorded on a magnetic stripe formed on the cover paper of a customer's passbook inserted through the passbook insertion slot 24. The magnetic information may include customer data indicating, for example, name information, account number, and account type. In this case, the passbook reading unit 230 may function as a data acquisition unit that acquires customer data from the passbook. The passbook reading unit 230 may have a page feed unit and a printing unit. The passbook reading unit 230 can record transactions into the passbook inserted through the passbook insertion slot 24 using the page feed unit and the printing unit. The page feed unit opens the passbook's entry page, and the printing unit prints transaction information on the entry page of the passbook.

[0035] The authentication unit 240 authenticates the customer based on the customer data acquired by the data acquisition unit. The authentication performed by the authentication unit 240 may include multiple determinations. The multiple determinations may include a determination as to whether the PIN entered into the operation display unit 22 is correct. Specifically, the determination may be a determination as to whether a determination result indicating that the PIN entered into the operation display unit 22 is correct is received by the interface unit 210 from the financial institution host 10. A method for determining whether the PIN entered into the operation display unit 22 is correct in the financial institution host 10 will be described below.

[0036] The financial institution host 10 receives from the interface unit 210 the customer data acquired by the card reading unit 220 or the passbook reading unit 230 and the PIN entered by the customer on the operation and display unit 22. The financial institution host 10 references information in its own database corresponding to the account number included in the customer data received from the interface unit 210, and identifies the PIN corresponding to that account number. The financial institution host 10 then determines whether the PIN corresponding to that account number matches the PIN entered by the customer. The financial institution host 10 transmits the result of this determination to the interface unit 210.

[0037] Furthermore, the authentication performed by the authentication unit 240 may include determining the commonality of customer data associated with two transaction media corresponding to different accounts acquired by the data acquisition unit. For example, the authentication unit 240 references customer data including name information acquired from two transaction cards by the data acquisition unit and determines whether the two pieces of name information match. Name information is an example of information used to determine the commonality, and the information used to determine the commonality may be other information included in the customer data acquired by the data acquisition unit. The other information used to determine the commonality may be, for example, telephone number, address, or date of birth.

[0038] The banknote deposit / withdrawal unit 250 has a banknote transport path, a banknote cassette, and a function for recognizing the validity of banknotes, etc. The coin deposit / withdrawal unit 260 has a coin transport path, a coin cassette, and a function for recognizing the validity of coins, etc.

[0039] The storage unit 270 is a storage medium that stores various information used for the operation of the cash processing device 20, and is configured by a hard disk or memory. For example, the storage unit 270 stores programs that the control unit 280 uses to control the operation and display unit 22, the interface unit 210, the card reading unit 220, the passbook reading unit 230, the authentication unit 240, the banknote deposit and withdrawal unit 250, the coin deposit and withdrawal unit 260, etc.

[0040] The control unit 280 controls the overall operation of the cash processing device 20. For example, the control unit 280 controls the operation of each of the operation and display unit 22, the interface unit 210, the card reading unit 220, the passbook reading unit 230, the authentication unit 240, the banknote deposit and withdrawal unit 250, and the coin deposit and withdrawal unit 260. For example, the control unit 280 controls cash processing involving depositing money into an account or withdrawing money from the account based on the authentication result of the authentication unit 240.

[0041] <2. Operation of cash processing device> The configuration of the cash processing device 20 according to the embodiment of the present invention has been described above. According to the cash processing device 20, various operations can be realized.

[0042] An example of operation of the cash processing device 20 will be described with reference to Fig. 3. Fig. 3 is a flowchart showing an example of operation of the cash processing device 20 according to an embodiment of the present invention. First, the operation display unit 22 displays an insertion guidance screen that guides the insertion of the bank's cash card into the card insertion slot 26 (S104). Then, when the operator inserts the first medium, which is the bank's cash card, into the card insertion slot 26 (S108), the card reading unit 220 acquires first customer data, which is customer data, from the inserted bank's cash card (S112).

[0043] The operation and display unit 22 then displays a screen that prompts the operator to enter the PIN for the account corresponding to the bank's cash card inserted by the operator. When the operator enters the PIN into the operation and display unit 22 (S116), the interface unit 210 transmits the first customer data acquired by the card reading unit 220 and the PIN entered into the operation and display unit 22 to the financial institution host 10. The financial institution host 10 determines whether the PIN is correct based on the first customer data, and transmits the determination result to the cash processing device 20. The authentication unit 240 determines whether the interface unit 210 has received a determination result from the financial institution host 10 indicating that the PIN is correct (S120).

[0044] If the authentication unit 240 determines that the interface unit 210 has not received a determination result from the financial institution host 10 indicating that the PIN is correct, the operation display unit 22 displays a message indicating that the PIN is incorrect (S124) and again displays a prompt screen for entering the PIN for the account corresponding to the bank's cash card. The authentication unit 240 and the operation display unit 22 repeat the above operations until the correct PIN is entered, until the number of PIN mismatches reaches a predetermined number, or until the operator performs an end operation.

[0045] If the authentication unit 240 determines that the interface unit 210 has received a judgment result from the financial institution host 10 indicating that the PIN is correct, the control unit 280 ejects the bank's cash card from the card insertion slot 26 (S128).

[0046] Next, the operation display unit 22 displays an insertion guidance screen that guides the operator to insert the other bank's cash card into the card insertion slot 26 (S132). Then, when the operator inserts the second medium, which is the other bank's cash card, into the card insertion slot 26 (S136), the card reading unit 220 acquires the second customer data, which is customer data, from the inserted other bank's cash card (S140).

[0047] To determine commonality, the authentication unit 240 determines whether the name information included in the first customer data acquired by the card reading unit 220 matches the name information included in the second customer data (S144). If the name information included in the first customer data does not match the name information included in the second customer data, the control unit 280 ejects the cash card of the other bank from the card insertion slot 26 (S152).

[0048] If the name information included in the first customer data matches the name information included in the second customer data, the authentication unit 240 determines that the authentication is successful. Then, the operation display unit 22 displays a selection screen and an input screen for cash transactions to be performed using the account corresponding to the bank's cash card. The control unit 280 executes the cash transactions selected and input by the operator (S148).

[0049] Then, the control unit 280 ejects the cash card of the other bank from the card insertion slot 26 (S152).

[0050] (Action and effect) According to the above-described operational example, the authentication unit 240 determines whether the first customer data associated with the first medium and the second customer data associated with the second medium have commonality, and then performs identity authentication. A person who owns two media with commonality in the customer data is likely to be the account owner associated with the media. Therefore, by including a commonality determination in the authentication process, it is possible to improve the accuracy of identity authentication and increase the security of the cash processing device.

[0051] Furthermore, according to the above-described operational example, the first medium and the second medium are transaction cash cards corresponding to different accounts. If the customer data contained in each medium does not have any commonality, it is highly likely that the operator attempting to conduct a transaction using the first medium is a third party other than the owner of the account linked to the first medium. Therefore, by failing authentication by the authentication unit 240 if the customer data contained in each medium does not have any commonality, it is possible to prevent fraudulent use of the cash card by a third party.

[0052] Furthermore, according to the above-described operational example, the determination of commonality used for authentication by the authentication unit 240 is a determination of whether the name information included in the first customer data matches the name information included in the second customer data. Name information is information that can be easily obtained by reading the magnetic stripe information on a cash card or bankbook. Therefore, by including in the authentication a determination of whether the name information included in the first customer data matches the name information included in the second customer data, it is possible to more easily improve the accuracy of personal authentication.

[0053] Furthermore, according to the above-described operation example, the authentication performed by the authentication unit 240 includes a determination as to whether the personal identification number input by the operator to the operation display unit 22 is correct. By performing two-stage authentication including a determination as to whether the personal identification number is correct and a determination as to whether it is common, it is possible to further improve the accuracy of personal identification.

[0054] (supplement) Up to this point, an example has been described in which a bank's own cash card is used as an example of the first medium and a bank's other bank's cash card is used as an example of the second medium, but other media may be used as the first medium and the second medium. For example, a bank's own bank passbook may be used as the first medium and a bankbook of the other bank may be used as the second medium. When passbooks are used as the first medium and the second medium, the first customer data and the second customer data are acquired from the passbooks by the passbook reading unit 230.

[0055] Furthermore, the type of the first medium and the type of the second medium may be different. For example, the first medium may be a cash card of the bank in question, and the second medium may be a passbook of another bank. In this case, the control unit 280 may not eject the first medium in S128. In this case, the control unit 280 ejects the first medium and the second medium in S152.

[0056] Although the above description has been given of an example in which first customer data associated with a first medium is acquired and then second customer data associated with a second medium is acquired, the order of data acquisition may be different. Below, an example in which second customer data is acquired first will be described.

[0057] First, the operation display unit 22 displays a screen prompting the user to insert a cash card of the other bank. The card reading unit 220 stores the second customer data acquired from the cash card of the other bank as a second medium in the memory unit 270. Then, the operation display unit 22 displays a screen prompting the user to insert the bank's own cash card after ejecting the other bank's cash card, and the card reading unit 220 acquires the first customer data from the bank's own cash card as a first medium. The authentication unit 240 then determines whether the name information included in the second customer data stored in the memory unit 270 matches the name information included in the first customer data acquired by the card reading unit 220.

[0058] If the authentication unit 240 determines that the name information matches, the operation display unit 22 displays a screen that prompts the operator to enter the PIN number for the bank's account corresponding to the cash card inserted by the operator. If the authentication unit 240 determines that the interface unit 210 has received from the financial institution host 10 a determination result indicating that the PIN number is correct, the authentication is deemed successful. Then, the control unit 280 executes the cash processing instructed by the operator and then ejects the bank's cash card.

[0059] Furthermore, up to this point, we have explained an example in which a bank's own cash card is used as an example of the first medium and another bank's cash card is used as an example of the second medium, but the second medium may also be a bank's own cash card corresponding to an account different from the account corresponding to the first medium.

[0060] In the above description, the first customer data associated with the first medium and the second customer data associated with the second medium used to determine commonality are acquired from a card or a passbook by the card reading unit 220 or the passbook reading unit 230. However, the first customer data used to determine commonality may be information corresponding to the first medium contained in a database held by the financial institution host 10 and received by the interface unit 210. The second customer data may be information corresponding to the second medium contained in a database held by a financial institution host of another bank that manages the account corresponding to the second medium and received by the interface unit 210. In other words, the interface unit 210 may function as a data acquisition unit that acquires the first customer data and the second customer data. The first customer data and the second customer data used to determine commonality may also be acquired by optically detecting customer data printed on the surfaces of the first medium and the second medium.

[0061] <3. Modifications> An example of the operation of the cash processing device 20 according to the embodiment of the present invention has been described above. Below, several modified examples of the embodiment of the present invention will be described. Note that each modified example described below may be applied alone to the embodiment of the present invention, or may be applied in combination with the embodiment of the present invention. Furthermore, each modified example may be applied in place of the configuration described in the embodiment of the present invention, or may be applied in addition to the configuration described in the embodiment of the present invention.

[0062] (First Modification) Figure 4 is a flowchart showing the operation of the cash processing device 20 according to the first modified example. The processes of S104 to S140 and S148 to S152 are as described with reference to Figure 3. As shown in Figure 4, if the authentication unit 240 determines in S144 that the interface unit 210 has not received from the financial institution host 10 a determination result indicating that the PIN is correct, the interface unit 210 notifies the external terminal 13 that the name information does not match (S156). The external terminal 13 receives the notification from the cash processing device 20 (S160) and displays the notified content (S164).

[0063] According to this configuration, a person who has confirmed the content of the notification sent to the external terminal 13 can speak to the person operating the cash processing device 20. A person who attempts authentication using a card with mismatched name information may be attempting to commit fraud by fraudulently withdrawing cash using another person's cash card. Therefore, for example, a bank employee at a financial institution's branch who has confirmed the content of the notification sent to the external terminal 13 can potentially contribute to preventing fraud and capturing the perpetrator by speaking to the person operating the cash processing device 20.

[0064] (Second Modification) In the example of operation of the cash processing device 20 according to the embodiment of the present invention, an example in which all operators are guided to insert a cash card of another bank is described, but in this modified example, an example in which only certain operators are guided to insert a cash card of another bank is described.

[0065] 5 is an explanatory diagram showing a specific example of information contained in the database held by the financial institution host 10. As shown in FIG. 5, the database contains, as information corresponding to an account number, a PIN number, a name, a telephone number, a deposit balance, and a flag indicating whether the card is from another bank.

[0066] The other bank's card judgment flag indicates whether or not authentication, including a judgment of a match between name information contained in customer data linked to the bank's own cash card and another bank's cash card, performed by the authentication unit 240, is valid. A other bank's card judgment flag of "1" indicates that authentication, including a judgment of a match between name information, is valid, and a other bank's card judgment flag of "0" indicates that authentication, including a judgment of a match between name information, is not valid.

[0067] The other bank card judgment flag may be determined according to the customer's wishes when opening an account and reflected in the database held by the financial institution host 10, or may be determined for each customer according to standards set by the financial institution.

[0068] Figure 6 is a flowchart showing the operation of the cash processing device 20 according to the second modified example. The processes of S104 to S124 are as explained using Figure 3. As shown in Figure 6, when the authentication unit 240 determines in S120 that the interface unit 210 has received from the financial institution host 10 a determination result indicating that the PIN is correct, the control unit 280 refers to information linked to the first medium contained in a database held by the financial institution host 10 and acquired from the financial institution host 10 by the interface unit 210, and checks the other bank's card determination flag (S168).

[0069] If the other bank's card judgment flag is 1, that is, if the authentication including the judgment of the match of the name information is valid, the control unit 280 ejects the bank's own cash card (S128). The process from S128 onwards is as described using FIG. 3.

[0070] On the other hand, if the other bank's card determination flag confirmed in S168 is 0, that is, if the authentication including the determination of name information match is invalid, the control unit 280 does not determine whether the name information matches, and the authentication unit 240 determines that the authentication is successful. Then, the control unit 280 causes the cash processing instructed by the operator on the operation display unit 22 to be performed (S172). Then, the control unit 280 causes the bank's cash card to be ejected from the card insertion slot 26 (S176).

[0071] According to this configuration, it is possible to perform identity authentication, including determining whether the name information included in the customer data linked to the bank's cash card matches the name information included in the customer data linked to the bank's cash card and the other bank's cash card, only for certain operators. In other words, customers who do not have multiple accounts can use the cash processing device according to the embodiment of the present invention. Furthermore, it is possible to provide identity authentication only to customers who desire highly secure identity authentication or customers who are expected to be vulnerable to fraudulent use.

[0072] <4. Supplementary Information> As described above, according to the embodiment of the present invention, it is possible to improve the accuracy of personal authentication based on customer data.

[0073] Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0074] For example, the steps in the processing of the cash processing device 20 in this specification do not necessarily have to be processed in chronological order according to the order described in the flowchart. For example, the steps in the processing of the cash processing device 20 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

[0075] It is also possible to create a computer program for causing hardware such as a CPU, ROM, and RAM built into the cash processing device 20 to perform functions equivalent to those of the above-described components of the cash processing device 20. A storage medium storing the computer program is also provided. [Explanation of symbols]

[0076] 10 Financial Institution Host 12 Dedicated Network 20 Cash handling equipment 22 Operation display section 24 Passbook insertion slot 26 Card slot 27 Receipt ejection 28 Bill slot 29 Coin slot 210 Interface section 220 Card reader 230 Passbook reader 240 Authentication Department 250 Banknote deposit and withdrawal section 260 Coin deposit and withdrawal section 270 Storage section 280 Control Unit

Claims

1. An insertion port into which a medium is inserted; a display unit that sequentially displays a screen that guides the user to insert into the insertion slot a first medium, which is a transaction medium corresponding to an account for executing a cash transaction, and a screen that guides the user to insert into the insertion slot a second medium, which is a transaction medium corresponding to an account at a financial institution different from the account corresponding to the first medium; a data acquisition unit that acquires first customer data associated with the first medium inserted into the insertion slot and second customer data associated with the second medium inserted into the insertion slot; an authentication unit that performs authentication including determining commonality between the first customer data and the second customer data; An information processing device comprising:

2. The information processing device a control unit that ejects the first medium from the insertion port; The information processing apparatus according to claim 1 , wherein the display unit displays a screen that prompts the user to insert the second medium after the control unit has ejected the first medium.

3. The information processing device described in claim 1, characterized in that the data acquisition unit acquires the first customer data from the database of the financial institution of the account corresponding to the first medium, and acquires the second customer data from the database of the financial institution of the account corresponding to the second medium.

4. the first customer data and the second customer data include name information; The determination of commonality is a determination of whether or not name information included in the first customer data matches name information included in the second customer data. The information processing device according to any one of claims 1 to 3.

5. The information processing device further includes an input unit, The input unit receives a personal identification number input by an operator, The authentication performed by the authentication unit includes determining whether the personal identification number inputted into the input unit is correct. The information processing device according to any one of claims 1 to 4.

6. The information processing device further includes a control unit, The control unit controls cash processing based on the authentication result of the authentication unit. The information processing device according to claim 1 .

7. The information processing device further includes a notification unit, the notification unit notifies an external device based on the authentication result of the authentication unit. The information processing device according to any one of claims 1 to 6.

8. the first customer data includes information indicating whether authentication including the determination of commonality is valid; When the information indicates that the authentication including the determination of commonality is valid, the control unit causes the authentication unit to perform the authentication including the determination of commonality, and controls cash processing involving depositing money into an account corresponding to the first medium or withdrawing money from the account based on the authentication result. The information processing device according to claim 6 .

9. Sequentially displaying a screen that guides the user to insert into an insertion slot a first medium, which is a transaction medium corresponding to an account for executing a cash transaction, and a screen that guides the user to insert into the insertion slot a second medium, which is a transaction medium corresponding to an account that exists at a financial institution different from the account corresponding to the first medium; acquiring first customer data associated with the first medium inserted into the insertion slot and second customer data associated with the second medium inserted into the insertion slot; performing authentication including determining commonality between the first customer data and the second customer data; 2. A computer-implemented information processing method, comprising:

10. Computer, a display unit that sequentially displays a screen that guides the user to insert into an insertion slot a first medium, which is a transaction medium corresponding to an account for executing a cash transaction, and a screen that guides the user to insert into the insertion slot a second medium, which is a transaction medium corresponding to an account at a financial institution different from the account corresponding to the first medium; a data acquisition unit that acquires first customer data associated with the first medium inserted into the insertion slot and second customer data associated with the second medium inserted into the insertion slot; an authentication unit that performs authentication including determining commonality between the first customer data and the second customer data; A program to function as a

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