JPH09259331A - Automatic transaction device and PIN verification method - Google Patents

Abstract

(57) [Abstract] [PROBLEMS] An automatic transaction device and a password matching method with high security can be accurately and quickly determined whether the entered password information is input by the registered person or a third party. provide. A touch panel (5) is provided in a character input area of an input image displayed on a liquid crystal display device (6) when personal identification information is input.
When a character is drawn from above, position information representing the handwriting of the character is input via the input control unit 31 and the character input unit 32 (ST1 to ST3). After the input is completed, the character recognition unit 34
For the character recognition of the character pattern indicated by the position information string captured in the character input unit, the character recognition dictionary 35 is referred to for each character in the character input area E1 and a plurality of character recognition candidate characters are selected. . Character data for personal identification matching is created using the selected candidate characters (ST5), and compared with character data as pre-registered personal identification information (ST).
7, ST8), if the character data of the password information match, it is determined that the password match is confirmed (ST10).

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a password collation method for confirming a user in an automatic teller machine or the like used in, for example, a financial institution and operated by an unspecified number of users, and this password. The present invention relates to an automatic transaction device that permits execution of a transaction based on a result of this collation using a collation method.

[0002]

2. Description of the Related Art Conventionally, when a payment transaction for automatically paying cash requested by a user is performed using a magnetic card on which account information provided by the user is recorded, a four-digit number registered in advance is used. An automated teller machine that confirms the user by inputting the PIN code has been put into practical use.

[0003] However, in such a code number of a four-digit number code, it is easy to register a number that is easy for the user to remember, and on the contrary, such a number that is easy for others to remember is easy to guess. But there is a drawback.

Therefore, in recent years, there has been a method of increasing security by increasing the number of types of information that can be handled as a secret code, including not only the 10 types of numbers but also the type of characters such as hiragana, katakana, and kanji. Many proposals have been made, such as a method of matching or comparing.

[0005]

However, in the above-described conventional apparatus, the method of increasing the amount of information to be handled is to prevent the information other than changing the registration if the information registered as the secret code becomes known to others. There is a problem that there is no such thing. In addition, the method of comparing the input information as well as the signature is
The user always has to input characters having the exact same shape as at the time of registration, and there is a problem that it is difficult to establish a secret code, and there is a problem that the amount of data to be handled becomes large and processing time is required.

Therefore, the present invention eliminates the above-mentioned drawbacks and can accurately and promptly judge whether the input personal identification information is input by the registered person or a third party, and an automatic transaction device with high security and The purpose is to provide a password verification method.

[0007]

In order to achieve the above-mentioned object, the automatic transaction device according to claim 1 of the present invention makes a contact input in an automatic transaction device which conducts a predetermined transaction by a user's operation. By this, input means for inputting information such as characters, personal identification information storage means for storing a plurality of characters as personal identification information in advance, reference data storage means for storing reference data of characters, and reference data storage means of the reference data storage means. A plurality of candidate characters are selected from the reference data, and a character recognition unit that recognizes a character corresponding to the information input from the input unit from the plurality of candidate characters, and is selected at the time of character recognition by the character recognition unit. Collating means for collating password information by comparing a plurality of candidate characters with a plurality of characters stored in the password information storing means, and the result of collating by this checking means In which a control means for permitting the execution of the predefined transaction based.

According to the present invention described in claim 1, a plurality of candidate characters are selected from the reference data of the reference data storage means by the character recognition means, and the information inputted by the input means is selected from the plurality of candidate characters. The password information is collated by the collating means by comparing a plurality of candidate characters selected when recognizing the corresponding characters with the plurality of characters stored in the password information storage means, and the control means is based on the collation result. By this, execution of a predetermined transaction is permitted.

In order to achieve the above-mentioned object, the automatic transaction device according to claim 2 of the present invention is an automatic transaction device which conducts a predetermined transaction by the operation of a user. Input means for inputting information, a plurality of characters as personal identification information in advance, a personal identification information storage means for storing the priority of the plurality of characters, a reference data storage means for storing reference data of the characters, A plurality of candidate characters is selected from the reference data of the reference data storage means together with the candidate ranks of the plurality of candidate characters, and the character corresponding to the information input by the input means is selected from the plurality of candidate characters based on the candidate rank. Character recognition means for recognition, a plurality of candidate characters selected at the time of character recognition by the character recognition means, and a candidate rank of the candidate characters, and stored in the secret information storage means. It has collating means for collating password information by comparing a plurality of characters and the priority of the characters, and control means for permitting execution of a predetermined transaction based on the result of collating by this collating means. .

According to the second aspect of the present invention, the character recognition means selects a plurality of candidate characters from the reference data of the reference data storage means together with the candidate ranks of the plurality of candidate characters, and a plurality of candidate characters are selected based on the candidate ranks. A plurality of candidate characters selected when recognizing a character corresponding to information input from the input means from among the candidate characters, the candidate rank of the candidate characters, the plurality of characters stored in the password information storage means, and the characters thereof The personal identification information is collated by the collating means by comparing with the priority order of, and the control means permits execution of a predetermined transaction based on the collation result.

In order to achieve the above-mentioned object, the automatic transaction device according to claim 3 of the present invention is an automatic transaction device which conducts a predetermined transaction by the operation of a user. Input means for inputting information of the above, reference data storage means for storing reference data of characters, a plurality of candidate characters are selected from the reference data of the reference data storage means, and the above-mentioned candidate characters are selected from the plurality of candidate characters. Character recognition means for recognizing a character corresponding to information input by the input means, and information corresponding to information input by the input means for each candidate character of the plurality of candidate characters selected by the character recognition means Calculation means for calculating the probability of
A plurality of characters as password information and a password information storage means for storing the probability that this character is selected, a plurality of candidate characters selected at the time of character recognition by the character recognition means and each candidate character calculated by the calculation means. Collating means for collating the secret information by comparing the probability with a plurality of characters stored in the secret information storing means and the probability of the characters, and execution of a predetermined transaction based on the result of collating by the collating means. And a control means for permitting.

In the present invention according to claim 3 described above, the character recognition means selects a plurality of candidate characters from the reference data in the reference data storage means, and the calculation means selects each of the plurality of candidate characters. A probability corresponding to the information input by the input means is calculated, and a plurality of candidate characters selected when recognizing a character corresponding to the information input by the input means from among the plurality of candidate characters The probability of each candidate rank calculated of the candidate character, the plurality of characters stored in the secret information storage means and the probability of the characters are compared to collate the secret information by the collating means, and based on this collation result. The control means permits execution of a predetermined transaction.

In order to achieve the above object, the automatic transaction device according to claim 4 of the present invention displays a guidance screen regarding the transaction in the automatic transaction device which performs a predetermined transaction by the operation of the user. A display means, a touch panel provided on the screen of the display means for inputting position information indicating handwriting such as characters by touching and inputting with a part of the human body such as a user's finger, and reference data relating to handwriting of characters is stored. Reference data storage means, a selection means for selecting a plurality of candidate characters corresponding to the handwriting from the reference data storage means based on position information indicating the handwriting input by the touch panel, and a plurality of candidates as secret information in advance. PIN information storage means for storing characters, a plurality of candidate characters selected by the selection means, and a plurality of symbols stored in the PIN information storage means It has collating means for collating password information by comparing it with characters, and control means for permitting execution of a predetermined transaction when a plurality of candidate characters coincide with each other as a result of collation by this collating means. .

According to the present invention described in claim 4, the selection means selects a plurality of candidate characters corresponding to the handwriting from the reference data storage means based on the position information indicating the handwriting input by the touch panel. The password information is collated by the collating means by comparing the plural candidate characters stored in the personal identification information storage means with the plural candidate characters stored in the personal identification information storage means, and the predetermined transaction is executed by the control means based on the collation result. It is supposed to allow it.

In order to achieve the above object, the automatic transaction device according to claim 6 of the present invention displays a guidance screen regarding the transaction in the automatic transaction device which performs a predetermined transaction by the operation of the user. A display means, a touch panel provided on the screen of the display means for inputting position information indicating handwriting such as characters by touching and inputting with a part of the human body such as a user's finger, and reference data relating to handwriting of characters is stored. Based on the position information indicating the handwriting input by the reference data storage means and the touch panel, a selection means for selecting from the reference data storage means a plurality of candidate characters corresponding to the handwriting and a candidate rank of this candidate character, A plurality of candidate characters as secret information and a secret information storage means for storing the order of the candidate characters, and a plurality of candidate characters selected by the selecting means. From the result of the collation by the collating means for collating the password information by comparing the candidate rank of this candidate character with the plurality of candidate characters stored in the secret code storage means and the rank of this candidate character, And a control means for permitting execution of a predetermined transaction when a plurality of candidate characters and candidate ranks match.

The present invention according to claim 6 described above, based on the position information indicating the handwriting input by the touch panel, a plurality of candidate characters corresponding to the handwriting and a candidate for this candidate character from the reference data storage means by the selecting means. The order is selected, and the plurality of candidate characters thus selected and the candidate order of the candidate characters are compared with the plurality of candidate characters stored in the password information storage means and the order of the candidate characters, whereby the collating means performs the identification code. The information is collated, and the control means permits execution of a predetermined transaction based on the collation result.

In order to achieve the above-mentioned object, the automatic transaction device according to claim 8 of the present invention displays a guidance screen regarding the transaction in the automatic transaction device which performs a predetermined transaction by the operation of the user. A display means, a touch panel provided on the screen of the display means for inputting position information indicating handwriting such as characters by touching and inputting with a part of the human body such as a user's finger, and reference data relating to handwriting of characters is stored. Based on the reference data storage means and the position information indicating the handwriting input by the touch panel, a selection means for selecting a plurality of candidate characters corresponding to the handwriting from the reference data storage means, and a selection means selected by the selection means. A calculating means for calculating the probability corresponding to the above handwriting for each candidate character, a plurality of candidate characters as secret information, and the probability of this candidate character are recorded. Comparing the secret information storage means, the plurality of candidate characters selected by the selecting means and the probability of each candidate character calculated by the calculating means, and the plurality of candidate characters and the probability stored in the storing means By doing so, there is provided a collating means for collating the personal identification information, and a control means for permitting execution of a predetermined transaction when a plurality of candidate characters and probabilities match from the result of collation by the collating means.

According to the present invention described in claim 8, the selection means selects a plurality of candidate characters corresponding to the handwriting from the reference data storage means based on the position information indicating the handwriting input by the touch panel. The probability corresponding to the handwriting is calculated for each of the selected candidate characters, a plurality of candidate characters selected and the calculated probability of each candidate character, a plurality of candidate characters stored in the storage means and its probability. By collating the password information by collating means,
The control means permits execution of a predetermined transaction based on the result of the collation.

In order to achieve the above object, the personal identification verification method according to a tenth aspect of the present invention uses, from among the prestored reference data of the identification information including characters and symbols,
Character recognition is performed by selecting a plurality of candidate characters corresponding to the information input by contact by the user, and a plurality of candidate characters selected at the time of this character recognition and a plurality of characters registered in advance as personal identification information. The personal identification information is collated by comparing.

Further, in order to achieve the above object, the personal identification verification method according to claim 11 of the present invention uses, from among the prestored reference data of the identification information including characters and symbols,
A plurality of candidate characters corresponding to the information contact-input by the user are selected, character recognition is performed based on the candidate rank of each candidate character calculated with this candidate character, and a plurality of candidate characters selected at the time of this character recognition are selected. The personal identification information is collated by comparing the candidate rank of the candidate character with a plurality of characters registered in advance as the personal identification information and the priority of the characters.

In order to achieve the above object, the personal identification collating method according to the twelfth aspect of the present invention is characterized in that, from among the reference data of the identification information including the characters and the symbols stored in advance,
Character recognition is performed by selecting a plurality of candidate characters corresponding to the information input by contact by the user, and the probability corresponding to the information input for each candidate character selected at the time of this character recognition is calculated. The personal identification information is collated by comparing a plurality of candidate characters selected at the time of character recognition and the probabilities of the candidate characters with a plurality of characters registered in advance as personal identification information and the probability of the characters. .

In order to achieve the above-mentioned object, the automatic transaction apparatus according to claim 13 of the present invention is an automatic transaction apparatus which automatically conducts a predetermined transaction by a user's operation, and a guide screen for transaction. Display means for displaying, a touch panel provided on the screen of the display means for inputting position information indicating handwriting such as characters by touching with a part of the human body such as a user's finger, and a reference for character handwriting Based on reference data storage means for storing data and position information indicating handwriting input by the touch panel, selection means for selecting a plurality of candidate characters corresponding to the handwriting from the reference data storage means, and the selection means Creating means for creating character data for personal identification matching using a plurality of selected candidate characters, and a predetermined character pre-contact input as personal identification information PIN information storage means for storing reference character data created using a plurality of correspondingly selected candidate characters, character data created by the creating means, and reference characters stored in the PIN information storage means It has a collating means for collating password information by comparing it with data, and a control means for permitting execution of a transaction based on the result collated by this collating means.

In the present invention according to claim 13 described above, a plurality of candidate characters corresponding to the handwriting are selected from the reference data storage means by the selecting means based on the position information indicating the handwriting input by the touch panel, and the selection is performed. Character data for password matching is created by the creating means using the plurality of created candidate characters, and the created matching character data is compared with the reference character data stored in the password information storing means. The collation of the personal identification information is carried out, and the execution of the transaction is permitted based on the collation result.

In this way, according to the present invention, it is possible to accurately and promptly judge whether the input personal identification information is input by the registered person or a third party, and it is possible to improve security. it can.

[0025]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 2 is an automatic transaction device according to the present embodiment (for example, installed in a bank sales office,
It shows the appearance of an automatic teller machine (A) capable of transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, and passbook entry. In FIG. 2, a substantially L-shaped customer service operating portion 2 is formed on the front surface of the housing 1. On the horizontal surface of the customer service operation unit 2, a large number of bills can be collectively inserted, and the bill slot 3 having an openable and closable lid, which collectively receives the released bills, and a large number of coins. A coin slot 4 having a lid that can be opened and closed and that can collect and receive the ejected coins is provided.

On the horizontal surface of the customer service operating section 2, there is provided a rectangular transparent touch panel 5 on which a predetermined information can be input by touching a finger on the surface, and the lower surface of the touch panel 5 is opposed to the display. A color liquid crystal display device 6 having a rectangular surface screen as means is provided.

The touch panel 5 is, for example, a transparent touch screen that is used by being superimposed on the display screen of the liquid crystal display device 6, and the position on the panel touched by the user with his / her finger or the like is, for example, electrostatically. It is detected by a change in capacity, shielding of infrared rays, or shielding of ultrasonic waves. It should be noted that the touched position may be determined by a predetermined calculation by detecting a change in power placed below the liquid crystal display device 6. Part of the touch panel 5 (substantially at the center) is assigned to a handwritten character input area during a transfer transaction.

The liquid crystal display device 6 displays the operation guide procedure and other information in color on the screen in accordance with characters, texts, illustrations or image information to guide the user's operation and input various information necessary for transactions. By displaying various operation keys such as numbers, katakana characters, and English characters for touching, and touching a segment portion of the touch panel 5 corresponding to the displayed operation key with a finger, desired key input (input of various information, etc.) ) Can be done.

Further, the liquid crystal display device 6 is adapted to display an input screen having a character input area for inputting characters by handwriting at the substantially center of the display screen at the time of password input at the time of transaction. This will be described later in detail.

On the vertical surface of the customer service operating unit 2, a magnetic card as a transaction medium in which a personal identification number, an account number, etc. are stored, or a transfer voucher for a transfer transaction is accepted and a receipt (on which a transaction content is printed) A card slot 8 for ejecting statement slips, a passbook slot 9 for accepting a magnetic passbook as a transaction medium, a speaker 10 for voice guidance to the user, and the like are provided.

On the other hand, inside the housing 1, a card reader / receipt printer unit 11 corresponding to the card slot 8 is provided.
However, the passbook printer unit 12 corresponding to the passbook opening 9 is
A bill receiving / dispensing unit 13 is provided corresponding to the bill opening 3, and a coin receiving / dispensing unit 14 is provided corresponding to the coin opening 4. Further, a control unit 16 for controlling the present apparatus is provided at a lower portion in the housing 1.

FIG. 3 schematically shows the overall construction of the above-mentioned automatic transaction apparatus. The card reader / receipt printer unit 11, the passbook printer unit 12, the banknote deposit / withdrawal unit 13, the coin deposit / withdrawal unit 14, Touch panel type customer service unit 15, voice guidance unit 16, internal monitor 17, storage unit 18, floppy disk device 1
9, a transmission control unit 20, a main control unit 21, and a power supply unit 22 for supplying operation power to these units.

As described above, the touch panel type customer service unit 15 is composed of the touch panel 5, the liquid crystal display device 6 and the like, and the details will be described later.
The card reader / receipt printer unit 11 reads or writes data on a magnetic card received from the card slot 8 or a magnetic stripe of a transfer ticket. Further, a receipt on which the details of the transaction are printed is issued, and the receipt is discharged from the card slot 8.

The passbook printer unit 12 reads or writes data from or to the magnetic stripe of the passbook received from the passbook slot 9 and, when necessary, prints on the passbook.

The banknote deposit / withdrawal unit 13 receives banknotes collectively inserted into the banknote slot 3, discriminates, counts and stores them, and, if necessary, withdraws a predetermined number of banknotes stored in a safe in advance. And then collectively dispense from the bill slot 3.

The coin depositing / dispensing unit 14 accepts, discriminates, counts, and stores the coins collectively put into the coin slot 4, and, if necessary, takes out a predetermined number of coins previously stored in the safe. And then collectively dispense from the coin slot 4.

The voice guidance unit 16 includes the speaker 1
From 0, voice guidance is provided to guide the user's operation. The internal monitor 17 notifies a person in charge of the operation of the present apparatus of the state of the present apparatus, and also inputs an operation instruction by the person in charge.

The storage unit 18 is used to store various data, and stores a program of a processing procedure related to the operation of the present apparatus, records various kinds of information and transactions to be provided for transactions, and records the operation status of the present apparatus. Do.

The floppy disk device 19 stores various information of a financial institution necessary for a transfer transaction, for example, a data file in which bank names as bank names (and branch names in some cases) are stored in the order of Japanese syllabary. ing.

The transmission control unit 20 is online connected to a host computer 24 as a deposit ledger of the center via a communication line 23, and communicates with the host computer 24 online as required.

The main control unit 21 refers to the program information in the storage unit 18, and touch panel type information input device 7,
By controlling each of the units 11 to 14, 16, the floppy disk device 19, and the transmission control unit 20, a predetermined transaction operation such as deposit, withdrawal or transfer is performed.

Further, a remote monitor 25 is connected to the main control section 21 as required so that it can be monitored from a distance. The remote monitor 25 is controlled by the main control unit 21 to display substantially the same information as the internal monitor 17, and to notify a malfunction of the apparatus by using a sounding means such as a buzzer. ing.

The power supply unit 22 normally converts the input commercial AC voltage into a DC voltage and supplies it to each unit as an operating power supply. The power supply unit 22 includes a battery (not shown) for supplying an operation power supply instead of the commercial AC voltage when a power failure occurs, and is charged as necessary by a charging circuit (not shown). It has become.

The host computer 24 also stores account information including the user's account number, amount information, personal identification information, and the like. And as this personal identification information, at the time of registration,
It stores a plurality of candidate characters selected when character recognition is performed on the personal identification information input by the user's finger writing. In the present embodiment, the four candidate character information from the first to the fourth selected as a plurality of candidate characters is used, each candidate character is converted into a predetermined code number, and based on this code number, The character data created by the above is stored as personal identification information.

For example, when the personal identification information is registered, as shown in FIG. 4A, the user inputs the character "Yamada ..." By handwriting. Then, as shown in FIG. 4B, in the character recognition process, for the first input character “mountain”, the first candidate is “mountain”, the second candidate is “small”,
Candidate characters "U" as the third candidate and "RE" as the fourth candidate are selected. As a result, the first input character is the first
It is recognized as the candidate character "Yama".

Next, with respect to the second input character "Ta", "Ta" as the first candidate, "times" as the second candidate, "○" as the third candidate, and "eye" as the fourth candidate. ], A candidate character is selected. As a result, the second input character is recognized as the first candidate character "Ta". Since a candidate character is selected by the same method for the information after the third input character to be subsequently input, the description thereof will be omitted.

In this embodiment, in the process of character recognition, the input character is recognized as the character "Yamada ..." Based on the character of the first candidate, and the first to fourth candidates are recognized from the character recognition result. As shown in FIG. 4C, each candidate character of is converted into a code number defined in advance.
Then, the code numbers are arranged in ascending order (smallest order) to create character data "011231234233453456 ..." And registered as personal identification information in the account information.

Since the present invention can be applied to a character recognition method in which characters are recognized by selecting candidate characters, a method of recognizing finger-written characters by comparing the shapes of characters input by finger writing, The method can also be applied to a method for recognizing finger-written characters based on the number of strokes and handwriting. In this embodiment, a method of recognizing characters based on handwriting will be used for description. In the present embodiment, identification information such as numbers, symbols, and characters that can be input by handwriting is collectively referred to as “character”.

Next, FIG. 1 shows the construction of the touch panel type customer service unit 15 in detail. Service unit 1
Reference numeral 5 denotes a touch panel 5, a liquid crystal display device 6, an input control unit 3
1, a character input unit 32, a designation unit 33, a character recognition unit 34, a character recognition dictionary 35, and a dialogue management unit 38.

As described above, the touch panel 5 is a transparent touch screen which is used by being superimposed on the display screen of the liquid crystal display device 6, and a partial area thereof is controlled by the dialogue management unit 38 as necessary. It is assigned to the handwritten character input area. As described above, the liquid crystal display device 6 is used for displaying handwriting (character lines) of characters handwritten on the touch panel 5 by the user and various messages.

The input control unit 31 determines whether or not the position touched by the user detected by the touch panel 5 is within the character input area, and if it is within the character input area, the corresponding position information is character input. The input control is performed by passing the position information to the designation unit 33 when the position information is not in the character input area.

The character input unit 32 takes in the position information passed from the input control unit 31 and inputs it into an input buffer (not shown).
Are stored sequentially. Then, the character input unit 32
Is the case where the next position information is not passed or the end key is pressed by the user even after a predetermined time has elapsed since the position information was fetched from the input control unit 31. In addition, the character recognition unit 34 is activated.

The designation unit 33 determines the operation content intended by the user based on the correspondence between the position information passed from the input control unit 31 and the liquid crystal display device 6, and the operation content is determined by the dialogue management unit 3.
Send to 8.

The character recognition unit 34 recognizes the character recognition of the position information taken in by the character input unit 32 by using the character recognition dictionary 35.
Based on the position information taken in by the character input section 32, the character recognition dictionary 35 is referred to select a complement candidate character.
It will be started after being activated in 2. In the character recognition dictionary 35, standard patterns used for character recognition processing in the character recognition unit 34, for example, main kanji and hiragana are registered.

The dialogue management section 38 manages and controls the dialogue with the user through the touch panel 5 and the liquid crystal display device 6 as described above. That is, the dialogue management unit 38 controls switching display of various input screens on the liquid crystal display device 6, handwriting of finger-written input characters, and the like, and sets the input screen configuration in the input control unit 31 and the designation unit 33.

Next, the operation of collating the personal identification information of the automatic transaction device A will be described with reference to the flowchart of FIG. When inputting the luck information, the main control unit 21 displays an input image having a character input area E1 for inputting characters on the liquid crystal display device 6 as shown in FIG.
"Please write the PIN code one by one in the lower frame with your finger. Is displayed. In accordance with this guidance sentence, the user writes in the character input area E1 on the touch panel 5 with the user's own finger the desired personal identification characters in the order of registration from the first character.

Here, when the user inputs the character string “Yamada ...” As shown in FIG. 7 (a) as a personal identification code, the information input device 7 causes the information input device 7 on the touch panel 5 to follow the input. Position information indicating the handwriting of a character written in the character input area E1 is detected by the touch panel 5 and sent to the character input unit 32 via the input control unit 31. Dialog management unit 3
8, the liquid crystal display device 6 is controlled based on the position information indicating the handwriting of the character captured in the character input unit 32, so that the handwriting of the finger-written character is sequentially displayed in the character input area E1 ( ST1).

The character input unit 32 stores the input position information in the buffer, and when the end key is pressed, or when the position information is not input even after a fixed time elapses, the character recognition unit 34 is activated. Start (ST2, ST3).

The activated character recognizing unit 34 performs character recognition of the position information captured in the character input unit with reference to the character recognition dictionary 35 for each character in the character input area E1. Then, as candidates for character recognition, the first to the fourth
Select up to the second candidate character.

For example, as shown in FIG. 7A, in the handwritten input character "Yamada ..." For the first input character "Yama", "Yama" and second Character recognition candidate characters "small", a third candidate "↓", and a fourth candidate "yu" are selected as candidates. As a result, the first input character is recognized as the first candidate character “mountain”. Next, the second input character "Ta"
In response to the above, the character recognition candidate characters “Ta” as the first candidate, “Ko” as the second candidate, “Yen” as the third candidate, and “Sato” as the fourth candidate are selected. As a result, the second input character is recognized as the first candidate character “Ta”. (ST4).

Similarly, the character recognition is performed on the information after the third input character, and in the process of the character recognition processing in ST4, the character recognition unit 34 calls "Yamada ..." With the first candidate character. While recognizing that it is a character, each of the selected candidate characters of the first to fourth candidates is converted into a predetermined code number as shown in FIG. 7C. And arrange these code numbers in ascending order (smallest order),
Character data "0123123445678789 ..." Is created (ST5).

When the character data for password verification is created,
The main control unit 21 inquires of the host computer 24 for personal identification information via the transmission control unit 20, and character data “01231234233453456 ...” (FIG. 4) as personal identification information registered in advance from the account information using the account number or the like as a key.
(See (c)) is received from the host computer 24 (ST6).

The main control section 21 receives the character data "011231234233453456 ...
(Ure Koyama / Tamari Ome ...) ”(see FIG. 4) and the created character data for password collation“ 0123123445678
901 ... (Oyama ↓ Yu / Takou Enri ...) ”(see FIG. 7) are sequentially compared from the first code number (S).
T7, ST8). From the comparison results of ST7 and ST8, if the character data of the password information do not match, the password does not match (N
G) is determined (ST9), and if the character data of the personal identification information is matched in ST7, it is determined that the personal identification match is confirmed (S).
T10). In the example given here, since the code numbers corresponding to the characters "Ure" and "Time ○" among the character data of the registered personal identification information are different, the personal identification mismatch (N
G) is determined.

The secret information collating method described above arranges and compares each candidate character selected at the time of recognition of the character input by finger writing in the ascending order of the code numbers, that is, the selected candidate character group. The types of characters included in are compared. For example, in this matching method, in the character recognition of the handwritten character "Yama", the first candidate is "Yama", the second candidate is "Small", the third candidate is "↓", and the fourth candidate is "Yu". Character sequence created from the recognition result of "Yamako ↓ Yu" in the candidate order, "Yama" as the first candidate, "↓" as the second candidate, "Yu" as the third candidate, and "Yu" as the fourth candidate. The same character data “01231234456787891 ...” Is created with the character data created from the recognition result that the candidate order “small” is “Yama ↓ Yuko”, and as a result, it is determined that the password matches. Therefore, the determination is not affected by the subtle difference caused by the finger writing input, and stable password verification can be performed.

Further, as a collation method capable of performing the secret code collation more strictly than the method of collating with this character type, as shown in FIG. 8, candidates from the first to fourth candidate characters selected at the time of character recognition are selected. There is a method of creating character string data including the order and comparing the character string data including the order of candidates. That is, in the character recognition of the handwritten character "Yama", the first candidate is "Yama", the second candidate is "Small", the third candidate is "↓", and the fourth candidate is "Yu". Yamako ↓ Yu "
From the recognition result of "1234012345687901
... "(" Yamako ↓ Yu "including the order of candidates) is created. The first candidate is "mountain", the second candidate is "↓", the third candidate is "yu", and the fourth candidate is "small".
From the recognition result of “Yama ↓ Yuko”, the candidate order is “123
Character string data 2 of "4456789010123 ..."("Yama ↓ Yuko" including the order of candidates) is created. Therefore, this character string data 1 “1234012334567
8901 ... ”and character string data 2“ 12344567789
From the comparison result of "010123 ..."

Therefore, it is possible to more accurately and promptly judge whether the input is made by the person who registered the personal identification information or the illegal input is made by a third party. In this method, as the personal identification information to be registered in advance, character string data including the order of the first to fourth candidates selected at the time of character recognition (that is, a character string in which code numbers are arranged in order of priority) Data) need to be registered.

Further, instead of the order of candidates, as shown in FIG. 9, by comparing by including the probability of the candidate of the candidate character selected at the time of recognition of the character input by handwriting,
There is a method of password matching. That is, in the character recognition of the two handwritten characters "Yama", even if the first to fourth candidate characters are extracted in the same order as "Yamako ↓ Yu", the probability of candidates is "Yama (50%)".・ Small (35%) ・ ↓ (10
%) ・ Yu (5%) ”is calculated,“ 1234
Character data 1 "50012333546710890105 ..." Is created.

When the probability of the candidate is calculated as "mountain (90%), small (5%), ↓ (3%), and yu (2%)", "1234900123054456703890
Character data 2 "102 ..." Is created. Therefore,
This character data 1 "1234500123335456
10890105 ... ”and character data 2“ 1234900
12305456703890102 ... ”, it is determined that the passwords do not match.

In this method, as the personal identification information to be registered in advance, the character data "Yamako ↓ yu" created from the recognition result and the calculated candidate probability "Yama (70%)""Small (15
%) ”,“ ↓ (10%) ”and“ Yu (5%) ”,
"123470012315456710890105
… ”And character data must be registered. Then, by setting a predetermined allowable range (for example, 5%) for the probability of comparison, and if a difference within the predetermined allowable range is determined to be a match, the difference caused by finger writing can be absorbed. In addition, it is possible to more accurately and swiftly determine whether the input is made by the person who registered the password information or the unauthorized input is made by a third party, and the security can be improved.

Next, the operation of the automated teller machine 1 of the present embodiment will be described with reference to FIGS. 10 to 12 using the password collation as shown in the flow chart of FIG. FIG.
0 is an initial screen displayed on the liquid crystal display device 6 of the automatic transaction device, and the transaction items of withdrawal 61, passbook entry 62, balance inquiry 63, deposit 64, transfer / transfer 65, and regular deposit 66. Shows a customer waiting screen consisting of.

First, the user displays the desired transaction from the transaction items on the waiting screen shown in FIG. 10 which is displayed on the liquid crystal display device 6 of the automatic transaction apparatus. In this embodiment, the operation unit corresponding to the withdrawal 61. A part of the touch sensor panel 5 is touched with a finger to specify a transaction (ST21).

In this way, the user specifies a transaction, and when the user inserts the card into the card slot 8 according to the guidance displayed on the screen of the liquid crystal display device 6, the card reader unit 11 causes the personal identification number to be read from the magnetic stripe of the card. , Account information such as an account number is read and transmitted to the main control unit 21 (ST22).

Next, the main control section 21 displays "Please write the personal identification code with your finger one by one in the lower frame" to prompt the user to enter the personal identification information of the card on the liquid crystal display device 6, and input the character. The area E1 is displayed. According to this guidance, the user writes the desired personal identification character in the character input area E1 with his / her finger as described above (ST23).

When the input process of the personal identification character is completed, the main control section 21 performs character recognition of the input character in the customer service unit 15 as described above, selects a candidate character, and creates character data for personal identification verification. Then, as shown in FIG. 12, the password information is inquired to the host computer 24 and the password information including the code information is received. Then, the received character data and the created character data are compared in order, and if all the character data match (ST24), the drawing process (ST
25) Go to the subsequent steps.

In ST24, when the main control unit 21 determines that the personal identification information does not match, the customer service unit 15 displays a guide so that the customer can re-enter the personal identification number. In ST24, when the main control unit 21 determines that the personal identification information matches, the liquid crystal display device 6 displays a guide to insert the passbook P from the passbook slot 9 in the opened state, and the user inserts the passbook P ( ST25).

Then, the liquid crystal display device 6 displays the withdrawal amount input guidance, and when the user inputs the withdrawal amount from the touch panel 5 (ST26), the customer service unit 15 displays the input amount on the liquid crystal display device 6, The user's withdrawal amount is approved (ST27).

When the user approves the withdrawal amount in ST27, the main control unit 21 communicates online with the host computer 24 from the transmission control unit 20 via the communication line, and the user's account information and the withdrawal amount. Is transmitted, and whether or not the transaction by the user is possible is inquired (ST28).

The host computer 24 determines whether or not the transaction is possible based on the amount information of the user's account information (ST29). In the automatic transaction device, when the transaction is received from the host computer 24, the banknote deposit / withdrawal unit 13 and the coin deposit / withdrawal unit 14 prepare the dispensed amount (ST31). And
The card reader unit 11 returns the card from the card slot 8 (ST32), and subsequently the banknote deposit / withdrawal unit 13 and the coin deposit / withdrawal unit 14 dispense the dispensed banknotes and dispensed coins from the banknote slot 3 and the coin slot 4, respectively. (ST33).

Further, in the passbook printer unit 12, the transaction contents are printed on the passbook P and the passbook P is returned from the passbook port 9 (ST34), thereby ending the withdrawal transaction.
In the present embodiment, a plurality of candidate character groups selected at the time of recognizing a character input by handwriting is registered as personal identification information, and by comparing the types of characters included in the candidate character group, the personal identification information It is collating. As a result, not only the personal identification information but also the candidate characters are compared, so that it cannot be easily illegally input by a third party. In addition, each candidate character is converted into a predefined code number, and the code numbers are arranged in ascending order (smallest order) to compare the types of characters included in the candidate character group. Judgment is not influenced by subtle differences that occur when inputting a finger, and stable password verification can be performed.

Further, in the present embodiment, character string data in which the code numbers of the first to fourth candidate characters selected at the time of character recognition are arranged in the order of candidates is registered as personal identification information,
The personal identification information is collated by comparing the character string data including the order of candidates. As a result, the order of candidates is also included in the comparison, so that the password matching can be performed more strictly than the method of matching based on the character type, and the password cannot be easily matched by imitating. That is, it is possible to have the same security as a signature with a small amount of data.

Further, in the present embodiment, instead of the order of candidates, character data created from the code numbers of the candidate characters selected at the time of character recognition and the probability of candidates is registered as personal identification information, and the probability of candidates is registered. The personal identification information is collated by comparing the character data including the above. As a result, since the probabilities of candidates are also included in the comparison, it is possible to perform more accurate password matching than the method of matching based on the character type, and it is not possible to easily match the password simply by imitating.

Further, since the secret code information is exchanged by the code information, it is possible to have the same security as a signature with a small amount of data. In this case, if a predetermined allowable range is set for the probabilities of comparison, and if a difference within the predetermined allowable range is determined to be a match, the difference caused by the finger writing can be absorbed, and the secret information It is possible to more accurately and swiftly determine whether the input is made by the person who registered the file or an illegal input by a third party, and security can be improved.

[0083]

As described above in detail, according to the present invention, it is possible to accurately and promptly determine whether the input personal identification information is input by the registered person or a third party, and the security is high. can do.

[Brief description of drawings]

FIG. 1 is a block diagram showing in detail a configuration of an automatic transaction device according to an embodiment of the present invention.

FIG. 2 is a perspective view showing an external configuration of an automatic transaction device according to an embodiment of the present invention.

FIG. 3 is a block diagram schematically showing an overall configuration of an automatic transaction device.

FIG. 4 is a diagram for explaining registration of personal identification information.

FIG. 5 is a flowchart for explaining a collation operation of personal identification information.

FIG. 6 is a diagram showing an example of a display screen in inputting password information at the time of transaction.

FIG. 7 is a diagram for explaining character recognition of personal identification information during a transaction.

FIG. 8 is a diagram for explaining another password matching method.

FIG. 9 is a diagram for explaining another password matching method.

FIG. 10 is a diagram for explaining a waiting screen displayed on the touch panel 5 of the automatic transaction device.

FIG. 11 is a flowchart for explaining the operation of the withdrawal transaction.

FIG. 12 is a diagram for explaining transmission / reception of data between an automatic transaction device and a host computer.

[Explanation of symbols]

 1 case 2 customer service operation part 3 bill slot 4 coin slot 5 touch panel 6 color liquid crystal display 7 information input device 8 card slot 9 passbook entry 11 card reader / receipt printer unit 12 passbook printer unit 13 bill deposit / withdrawal unit 14 coin deposit / withdrawal Unit 15 Control unit 18 Storage unit 21 Main control unit 24 Host computer 31 Input control unit 32 Character input unit 33 Designating unit 34 Character recognition unit 35 Character recognition dictionary 36 Word storage unit 37 Word search unit 38 Dialog management unit E1, E2 characters Input area E3 Recognition result display area K1 to K3 Operation keys

Claims (13)

[Claims] 1. An automatic transaction device that conducts a predetermined transaction by a user's operation, input means for inputting information such as characters by contact input, and password information that stores a plurality of characters in advance as password information. Storage means, reference data storage means for storing reference data of characters, a plurality of candidate characters selected from the reference data of the reference data storage means, and information input from the input means from the plurality of candidate characters The character recognition means for recognizing the character corresponding to, the plurality of candidate characters selected at the time of character recognition by the character recognition means, and the plurality of characters stored in the secret information storage means are compared to obtain the secret information. An automatic transaction device having collating means for collating and control means for permitting execution of a predetermined transaction based on the result collated by the collating means. . 2. An automatic transaction device for performing a predetermined transaction by a user's operation, an input means for inputting information such as characters by contact input, a plurality of characters in advance as personal identification information, and a plurality of these characters. PIN information storage means for storing the priority order of characters, reference data storage means for storing the reference data of characters, and a plurality of candidate characters are selected from the reference data of the reference data storage means together with the candidate order of the plurality of candidate characters. A character recognition means for recognizing a character corresponding to the information input from the input means from among the plurality of candidate characters based on the candidate rank, and a plurality of candidate characters selected at the time of character recognition by the character recognition means, The personal identification information is collated by comparing the candidate order of the candidate characters with the plurality of characters stored in the personal identification information storage means and the priority order of the characters. And checking means, the automatic transaction apparatus characterized by a control means for permitting the execution of the predefined transaction on the basis of the result of collation by the collating means. 3. An automatic transaction device for performing a predetermined transaction by a user's operation, and an input means for inputting information such as characters by contact input, and a reference data storage means for storing reference data of characters. A character recognition means for selecting a plurality of candidate characters from the reference data of the reference data storage means and recognizing a character corresponding to the information input from the input means from the plurality of candidate characters; Calculating means for calculating the probability corresponding to the information input by the input means for each candidate character of the plurality of candidate characters selected by, and a plurality of characters as the password information and the probability that this character is selected Secret information storage means to be stored, a plurality of candidate characters selected at the time of character recognition by the character recognition means, and the probability of each candidate character calculated by the calculation means A matching means for matching the password information by comparing a plurality of characters stored in the password information storing means and the probability of the characters, and permitting execution of a predetermined transaction based on the result of the matching by the matching means. An automatic transaction device, comprising: 4. An automatic transaction device for performing a predetermined transaction by a user's operation, a display means for displaying a guide screen regarding the transaction, and a part of the human body such as a finger of the user provided on the screen of the display means. A touch panel for inputting position information indicating handwriting such as characters by touch input, a reference data storage unit for storing reference data regarding handwriting of characters, and the above-mentioned reference based on position information indicating handwriting input by the touch panel. A selection means for selecting a plurality of candidate characters corresponding to the handwriting from the data storage means, a password information storage means for storing a plurality of candidate characters in advance as password information, and a plurality of candidate characters selected by the selection means, Collating means for collating password information by comparing a plurality of candidate characters stored in the password information storing means, and this collating means. Automatic teller machine, wherein a plurality of candidate characters from the result of the collation by having a control means for permitting the execution of the predefined transaction when both coincide. 5. The selection means has a processing unit for selecting four candidate characters corresponding to the handwriting from the reference data storage means based on position information indicating the handwriting input by the touch panel, and the secret code. The information storage unit has a storage unit that stores four candidate characters as personal identification information in advance. The matching unit stores the four character candidate characters selected by the selection unit and the personal identification information storage unit. 4 candidate characters and 4 stored in the secret information storage means
The automatic transaction apparatus according to claim 4, further comprising a comparison unit that compares the character candidate character. 6. An automatic transaction device for performing a predetermined transaction by a user's operation, a display means for displaying a guidance screen regarding the transaction, and a part of the human body such as a finger of the user provided on the screen of the display means. A touch panel for inputting position information indicating handwriting such as characters by touch input, a reference data storage unit for storing reference data regarding handwriting of characters, and the above-mentioned reference based on position information indicating handwriting input by the touch panel. A selection means for selecting from the data storage means a plurality of candidate characters corresponding to the handwriting and a candidate rank of this candidate character; a password information storage means for storing a plurality of candidate characters and the rank of this candidate character as password information; A plurality of candidate characters selected by the selecting means, a candidate rank of the candidate characters, and a plurality of candidate sentences stored in the secret information storing means. A collating means for collating personal identification information by comparing the character and the rank of this candidate character, and permitting execution of a predetermined transaction when a plurality of candidate characters and candidate ranks match from the result of collation by this collating means. An automatic transaction device, comprising: 7. The selecting means selects four candidate characters corresponding to the handwriting from the reference data storage means based on the position information indicating the handwriting input by the touch panel, and determines the candidate rank of the candidate characters. The personal identification information storage unit has a storage unit for preliminarily storing four candidate characters as personal identification information and a rank of the candidate character, and the collation unit is the selection unit. A candidate character of 4 characters and a candidate rank of this candidate character selected by, and a comparator means for comparing the candidate character of 4 characters and the rank of this candidate character stored in the password information storage means. The automatic transaction device according to claim 6. 8. An automatic transaction device for performing a predetermined transaction by a user's operation, a display unit for displaying a guide screen regarding the transaction, and a part of the human body such as a finger of the user provided on the screen of the display unit. A touch panel for inputting position information indicating handwriting such as characters by touch input, a reference data storage unit for storing reference data regarding handwriting of characters, and the above-mentioned reference based on position information indicating handwriting input by the touch panel. Selection means for selecting a plurality of candidate characters corresponding to the handwriting from the data storage means, calculation means for calculating the probability corresponding to the handwriting for each of the candidate characters selected by the selection means, and secret information A plurality of candidate characters and a secret information storage means for storing the probability of the candidate characters; and a plurality of candidate characters and a plurality of candidate characters selected by the selecting means. Collating means for collating password information by comparing the probability of each candidate character calculated by the calculating means with a plurality of candidate characters and their probabilities stored in the storing means, and the result of collation by this collating means. And a control means for permitting execution of a predetermined transaction when a plurality of candidate characters and probabilities are matched with each other. 9. The selection means includes a processing unit for selecting four candidate characters corresponding to the handwriting from the reference data storage means based on position information indicating the handwriting input by the touch panel, and the secret code. The information storage means stores four candidate characters as personal identification information in advance, and has a storage unit for storing the probability of the candidate characters. The collation means includes the four candidate characters selected by the selecting means and the candidate characters of the four characters. 9. The automatic transaction apparatus according to claim 8, further comprising a comparing unit for comparing the probability of the candidate character with the four candidate characters stored in the secret information storage unit and the probability of the candidate character. 10. Character recognition is performed by selecting a plurality of candidate characters corresponding to information input by contact by a user from reference data of identification information including characters and symbols stored in advance, and character recognition is performed. A personal identification matching method characterized by collating personal identification information by comparing a plurality of candidate characters selected at the time of recognition with a plurality of characters registered in advance as personal identification information. 11. A plurality of candidate characters corresponding to information touch-input by a user are selected from among reference data of identification information including characters and symbols stored in advance and calculated together with these candidate characters. Character recognition is performed based on the candidate rank of candidate characters, and a plurality of candidate characters selected at the time of this character recognition and the candidate rank of this candidate character, and a plurality of characters registered in advance as password information and the priority order of the characters A password collation method characterized by collating password information by comparing. 12. Character recognition is performed by selecting a plurality of candidate characters corresponding to information input by contact by a user from among reference data of identification information including characters and symbols stored in advance, and this character recognition is performed. The probability corresponding to the information input for each candidate character selected at the time of recognition is calculated, and the plurality of candidate characters selected at the time of character recognition and the probability of the candidate character are registered in advance as secret information. A personal identification verification method characterized by collating personal identification information by comparing a plurality of existing characters and the probability of the characters. 13. An automatic transaction device for automatically performing a predetermined transaction by a user's operation, a display means for displaying a guidance screen regarding the transaction, and a human body such as a user's finger provided on the screen of the display means. Based on a touch panel for inputting position information indicating handwriting such as characters by touch input with a part, reference data storage means for storing reference data regarding handwriting of characters, and position information indicating handwriting input by the touch panel A selection means for selecting a plurality of candidate characters corresponding to the handwriting from the reference data storage means, and a creation means for creating character data for personal identification verification using the plurality of candidate characters selected by the selection means. , Stores reference character data created using a plurality of candidate characters selected corresponding to a predetermined character that was previously input by contact as personal identification information. The personal identification information storage means, the collation means for collating the personal identification information by comparing the character data created by the creating means with the reference character data stored in the personal identification information storage means, and the matching means And a control means for permitting execution of the transaction based on the result of the automatic transaction.