Abstract:
A customer information database storing at least a unique customer identification number (basic pension number) allocated to the customers by an official body and information of an account number, an amount outstanding, password, and the like which correspond to the customer identification number are stored. An input screen control section controls screen display for inputting the customer identification number and the password. A control section performs authentication check based on customer information in the customer information database and the input customer identification number and the password as a key. A main control section performs various transactions at a financial institution on the basis of the result of the authentication.

Description:
This application is a continuation of international application PCT/JP00/01812 filed on Mar. 24, 2000. 

   BACKGROUND OF THE INVENTION 
   1. Field of the Invention 
   The present invention relates to a method of, an apparatus and a system for an automatic transaction that make it possible to perform a transaction in an account opened by a customer without using a cash-card or a passbook. Nowadays integration of financial institutions has become common. The financial institutions are making more efforts than ever before for improving services to the customer. Moreover, the financial institutions are trying to make the services more convenient from the viewpoint of the customer. In this situation, means and methods that make the services convenient are in demand. 
   2. Description of the Related Art 
   Conventionally, at a financial institution such as a bank, a customer receives a cash-card and a passbook when she/he opens an account. The customer inserts the cash-card or the passbook into an automatic transaction machine installed in a financial institution to perform transactions such as deposits, withdrawals and transfers. 
   Conventionally, a customer feels inconvenienced in having to carry a cash-card or a passbook. When the customer leaves the cash-card and the passbook in her/his house, even the customer herself/himself cannot perform a transaction at a financial institution. 
   The present invention has been achieved in consideration of the above circumstances. It is an object of the present invention to provide a method of, an apparatus and a system for automatic transaction which can reduce inconveniences to customers while maintaining the security of transactions. 
   SUMMARY OF THE INVENTION 
   The present invention provides an automatic transaction machine which executes a money transaction on the basis of an operation of a customer and which is connected to a communication network to which a host apparatus having a financial institution database in which customer information including an account number of a customer and a password corresponding to the account number is stored and an authentication organization database in which authentication information including a unique identification number allocated to the customer by another authentication organization is stored are connected, comprising, an input unit which inputs the unique identification number and the password corresponding to the account number, a communication unit which transmits the identification number and the password input by the input unit to the host apparatus, which causes the host apparatus to specify customer information on the basis of authentication information acquired from the authentication organization database by using the input identification number as a key and to collate the password of a specified account with the input password, and a transaction unit which performs various transactions at a financial institution on the basis of a collation result of the password. 
   According to the present invention, when the identification number and the password are input by the input unit, the communication unit transmits the identification number and the password to the host apparatus through the communication network. In this manner, the host apparatus specifies customer information on the basis of the authentication information acquired from the authentication organization database by using the identification number as a key and collates the password of the specified account with the input password. The transaction unit performs various transactions at a financial institution on the basis of the collation result of the password. 
   In this manner, according to the present invention, because collation and transaction are performed on the basis of the identification number, a customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while keeping security related to the transaction. 
   The present invention provides an automatic transaction machine wherein the input unit includes a touch panel display section which is used by the customer to manually input the identification number. 
   According to the present invention, when an identification number is input by the touch panel display section, collation based on the identification number and the password is performed by the collation unit. When the collation is normally ended, various transactions are performed by the transaction unit. 
   In this manner, according to the present invention, because collation and transaction are performed on the basis of the identification number input from the touch panel display section, a customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while maintaining security related to the transaction. 
   The present invention provides an automatic transaction machine wherein the input unit includes a reading section which optically reads the identification number from a medium which is issued by the other authentication organization and on which the identification number is printed. 
   According to the present invention, when the identification number printed on the medium is read by the reading section, the collation unit performs collation based on the identification number and the password. When the collation is normally ended, various transactions are performed by the transaction unit. 
   In this manner, according to the present invention, because the identification number is automatically input by using the medium, the customer need not memorize her/his identification number. For this reason, the convenience of the customer can be improved. 
   The present invention provides an automatic transaction machine wherein the input unit includes a reading section which reads information of the identification number from a recording medium on which only information of the identification number is recorded. 
   According to the present invention, when the identification number is read from the recording medium by the reading section, collation based on the identification number and the password is performed by the collation unit. When the collation is normally ended, various transactions are performed by the transaction unit. 
   In this manner, according to the present invention, because the identification number is automatically input by using the recording medium on which only the identification number is recorded, the customer need not memorize her/his identification number. For this reason, the convenience of the customer can be improved. 
   The present invention provides an automatic transaction machine wherein the identification number is at least one of a basic pension number, a basic resident register number, a driving license number, a health insurance card number, and a passport number. 
   According to the present invention, when a basic pension number, a basic resident register number, a driving license number, a health insurance card number, or a passport number is input from the input unit as an identification number, collation based on the identification number and the password is performed by the collation unit. When the collation is normally ended, various transactions are performed by the transaction unit. 
   In this manner, according to the present invention, because collation and transaction are performed on the basis of a basic pension number, a basic resident register number, a driving license number, a health insurance card number, or a passport number which is the identification number, the convenience of the customer can be improved while maintaining security related to the transaction. 
   The present invention provides an automatic transaction machine which executes a money transaction on the basis of an operation of a customer and which is connected to a host apparatus having a database in which customer information including a unique identification number allocated to the customer by an authentication organization different from a financial institution, an account number of the customer corresponding to the identification number, and a password corresponding to the account number is stored, including an input unit which inputs the unique identification number and the password corresponding to the account number, a communication unit which transmits the identification number and the password input by the input unit to the host apparatus, which causes the host apparatus to collate the account number of the customer and the password corresponding to the account number with the input password by using the input identification number as a key, and a transaction unit which performs various transactions at the financial institution on the basis of a collation result of the password. 
   According to the present invention, when the identification number and the password are input by the input unit, the communication unit transmits the identification number and the password to the host apparatus through a communication network. In this manner, the host apparatus specifies customer information on the basis of the authentication information acquired from the authentication organization database by using the identification number as a key and collates the password of the specified account with the input password. The transaction unit performs various transactions at the financial institution on the basis of the collation result of the password. 
   In this manner, according to the present invention, because collation and transaction are performed on the basis of the identification number, a customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while keeping security related to the transaction. 
   The present invention provides an automatic transaction system having an automatic transaction machine operated by a customer and a host apparatus connected to the automatic transaction machine, wherein the host apparatus has a financial institution database in which customer information including an account number of a customer and a password corresponding to the account number are stored, and is connected to an authentication organization database in which authentication information including a unique identification number allocated to the customer by another authentication organization is stored, through a communication network, the automatic transaction machine has an input unit which inputs the unique identification number and the password corresponding to the account number, the host apparatus has a collation unit which specifies customer information on the basis of the authentication information acquired from the authentication organization database by using the identification number input by the input unit as a key and which collates a password in the specified customer information with the password input by the input unit, and the automatic transaction machine performs various transactions at a financial institution on the basis of the collation result. 
   According to the present invention, when the identification number and the password are input by the input unit, a communication unit transmits the identification number and the password to the host apparatus through the communication network. In this manner, the host apparatus specifies customer information on the basis of the authentication information acquired from the authentication organization database by using the identification number as a key and collates the password of the specified account with the input password. The automatic transaction machine performs various transactions at the financial institution on the basis of the collation result of the password. 
   In this manner, according to the present invention, because collation and transaction are performed on the basis of the identification number, a customer need not carry a cash-card and a passbook unlike, a conventional art. For this reason, the convenience of the customer can be improved while maintaining security related to the transaction. 
   The present invention provides an automatic transaction system including a register unit which registers the identification number in response to the account number. 
   According to the present invention, the identification number is registered by the register unit. When the identification number is input by the input unit, the collation unit performs collation on the basis of the identification number and the password. When the collation is normally ended, various transactions are performed by the automatic transaction machine. 
   In this manner, according to the present invention, because collation and transaction are performed on the basis of the identification number, a customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while maintaining security related to the transaction. 
   The present invention provides an automatic transaction method for executing money transaction by using an automatic transaction machine, comprising, a first step of connecting the automatic transaction machine, a host apparatus having a financial institution database in which customer information including an account number of a customer and a password corresponding to the account number is stored, and an authentication organization database in which authentication information including a unique identification number allocated to the customer by another authentication organization is stored through a network, a second step of acquiring authentication information from the authentication organization database by using the unique identification number input to the automatic transaction machine as a key, a third step of specifying customer information in the financial institution database on the basis of the acquired authentication information, a fourth step of collating a password corresponding to an account number in the specified customer information with a password input to the automatic transaction machine, and a fifth step of performing various transactions at a financial institution on the basis of the collation result. 
   According to the present invention, when the automatic transaction machine, the host apparatus, and the authentication organization database are connected to each other through the communication network in the first step, authentication information is acquired from the authentication organization database by using the identification number input to the automatic transaction machine as a key in the second step. In this manner, the customer information in the financial institution database is specified on the basis of the authentication information in the third step, and the password corresponding to the specified account number with the input password are collated in the fourth step. Various transactions at a financial institution are performed on the basis of the collation result of the password in the fifth step. 
   In this manner, because collation and transaction are performed on the basis of the identification number, a customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while keeping security related to the transaction. 

   
     BRIEF DESCRIPTION OF THE DRAWINGS 
       FIG. 1  is a block diagram which shows the configuration of an embodiment of the present invention, 
       FIG. 2  is a block diagram which shows the configuration of an automatic transaction machine  100  shown in  FIG. 1 , 
       FIG. 3  is a block diagram which shows the configuration of a bank host terminal  300  shown in  FIG. 1 , 
       FIG. 4  is a plan view which shows a driving license  1100  used in the embodiment, 
       FIG. 5  is a diagram which shows the configuration of a number card  1200  used in the embodiment, 
       FIG. 6  is a flow chart which explains an operation of the embodiment, 
       FIG. 7  is a flow chart which explains an operation of the embodiment, 
       FIGS. 8(   a ) to  8 ( c ) are diagrams which show various display screens of a display section  120  shown in  FIG. 2 , 
       FIGS. 9(   a ) and  9 ( b ) are diagrams which show various display screens of the display section  120 , 
       FIGS. 10(   a ) to  10 ( c ) are diagrams which show various display screens of the display section  120  shown in  FIG. 2 , 
       FIGS. 11(   a ) and  11 ( b ) are diagrams which show various display screens of the display section  120  shown in  FIG. 2 , and 
       FIGS. 12(   a ) to  12 ( c ) are diagrams which show various display screens of the display section  120  shown in  FIG. 2 . 
   

   DESCRIPTION OF THE PREFERRED EMBODIMENT 
   An embodiment of the present invention will be described below with reference to the accompanying drawings to more specifically explain the present invention. 
     FIG. 1  is a diagram which shows a system configuration of an automatic transaction machine according to an embodiment of the present invention. In this figure, automatic transaction machines  100 ,  100 , . . . are installed in a financial institution (e.g., a bank), and are apparatuses which automatically perform transactions such as deposit and withdrawal, transfer, or balance inquiry by using a cash-card or a passbook held by a customer and a basic pension number, a basic resident register number, a driving license number, and the like described later. 
   These automatic transaction machines  100 ,  100 , . . . are connected to a network  200  and have transmission functions for transmitting/receiving various data with a bank host terminal  300 . The network  200  interconnects the automatic transaction machines  100 ,  100 , . . . the bank host terminal  300 , and a customer terminal  1000 , and is a WAN (Wide Area Network), for example. 
     FIG. 2  is a block diagram which shows the configuration of the automatic transaction machine  100  shown in  FIG. 1 . In this figure, the same reference numerals as in  FIG. 1  denote the same parts. However, in  FIG. 2 , one automatic transaction machine  100  of the plurality of automatic transaction machines  100 ,  100 , . . . is shown. This automatic transaction machine  100  is constituted by a transaction control section  110 , a display section  120 , a reading section  130 , and a communication control section  140 . 
   In the automatic transaction machine  100 , in addition to a cash-card and a passbook (not shown) for normal transaction, a driving license  1100  (see  FIG. 4 ), a number card  1200  (see  FIG. 5 ), and the like are used. The driving license  1100  and the number card  1200  will be described below in detail. 
   A transaction control section  101  performs control related to transactions such as deposit and withdrawal, transfer, and balance inquiry, and is constituted by an input screen control section  111 , a registration screen control section  112 , a delete screen control section  113 , a type decision/character recognition section  114 , and a main control section  115 . These input screen control section  111 , the registration screen control section  112 , and the delete screen control section  113  control a display screen displayed on the display section  120 . 
   The display section  120  is a CRT (Cathode-Ray Tube) or an LCD (Liquid Crystal Display), and displays various screens such as a transaction screen  2000  (see  FIG. 8(   a )) and a various-number input screen  2300  (see  FIG. 9(   a )), depending on transaction forms. A customer performs a desired transaction according to various screens. On the surface of the display section  120 , a touch panel (not shown) which is pressed by a finger of the customer to function as an electronic button (switch) is applied. 
   The input screen control section  111  controls a screen display of the transaction screen  2000  (see  FIG. 8(   a )). The registration screen control section  112  controls screen display which is to register a customer identification number. The customer identification number mentioned here is a unique identification number allocated to a nation (foreigner, depending on the circumstances) by an official body. For example, as the customer number, a driving license number, a basic pension number, a basic resident register number (also called a resident card code), a health insurance card number, a passport number, or the like is cited. The delete screen control section  113  controls screen display for deleting a registered customer identification number. 
   The type decision/character recognition section  114  has a function of deciding the type of a medium on which a customer identification number is printed and a function of optically recognizing the customer identification number printed on the medium as characters. As the medium, when customer identification number=driving license number, it is a driving license  1100  (see  FIG. 4 ). When customer identification number=basic pension number, it is a pension notebook. When customer identification number=basic resident register number, the medium is a resident card. When customer identification number=health insurance card number, the medium is a health insurance card. When customer identification number=passport number, the medium is a passport. 
   The main control section  115  performs drive control of the reading section  130 , control of the input screen control section  111  to the type decision/character recognition section  114 , and control or the like related to various transactions (money deposit, withdrawal, and the like). The reading section  130  has a function of magnetically reading customer information from a cash-card (not shown), a passbook, a number card  1200  (see  FIG. 5 ) and a function of optically reading a customer identification number from a medium (e.g., the driving license  1100  (see  FIG. 4 )). 
   The number card  1200  shown in  FIG. 5  has a magnetic stripe  1201 . Customer identification number information  1203  is recorded on the magnetic stripe  1201 . As the customer identification number information  1203 , the basic pension number, the basic resident register number, the driving license number, the health insurance card number, the passport number, and the like are cited. The number card  1200  is used to omit a time-consuming labor that the customer manually inputs a customer identification number. Returning to  FIG. 2 , the communication control section  140  controls communication performed with the external device through the network  200  according to a predetermined communication protocol. 
   Returning to  FIG. 1 , the bank host terminal  300  is a computer terminal which performs communication with the automatic transaction machines  100 ,  100 ,  100 , . . . , an other-bank host terminal  400 , a database server  500 , . . . , the customer terminal  1000  (to be referred to as an external device hereinafter), concentrically managing customer information related to an account number, an account type, name, and an amount outstanding, and the like at a financial institution in which the automatic transaction machine  100  is installed. In the embodiment, the automatic transaction machine  100  may have the functions of the bank host terminal  300 . 
     FIG. 3  is a block diagram which shows the configuration of the bank host terminal  300  shown in  FIG. 1 . The bank host terminal  300  shown in this figure has a communication control section  310  and a transaction control section  320 . The communication control section  310  performs communication with an external apparatus through the network  200  according to a predetermined communication protocol. The transaction control section  320  is constituted by a control section  321 , a database searching section  322 , and an external database searching section  323 , and controls transactions with reference to a customer information database  350 , an other-bank customer information database  450 , a driving license number management database  550 , and the like. 
   The control section  321  controls a transaction on the basis of information obtained from the customer information database  350  or the like. The customer information database  350  is constituted by general information relating to a customer having opened an account (account number, account type, name, birth date, amount outstanding, and password) and a customer identification number (e.g., basic pension number or basic resident register number). 
   The other-bank host terminal  400  shown in  FIG. 1  is installed in a computer center of another financial institution and concentrically manages customer information related to the account number, the account type, the name, the amount outstanding, and the like with reference to the other-bank customer information database  450 . The other-bank customer information database  450 , as shown in  FIG. 3 , is constituted by general information relating to a customer having opened an account (account number, account type, name, birth date, amount outstanding, and password) and a customer identification number (e.g., Basic pension number or basic resident register number). 
   The database server  500  shown in  FIG. 1  is a server which manages the driving license number management database  550 , and is installed in an official body. The driving license number management database  550 , as shown in  FIG. 3 , is constituted by a name, an address, a birth date, date of issue, a driving license number, and the like related to a person to which the driving license is issued. A database server  600  is a server which manages a basic pension number management database  650 , and is installed in an official body. The basic pension number management database  650  is constituted by a name, an address, a birth date, a basic pension number, and the like related to a person to which the basic pension number is given. 
   A database server  700  is a server which manages a basic resident register number management database  750 , and is installed in an official body. The basic resident register number management database  750  is constituted by a name, an address, a birth data, a basic resident register number, and the like related to a resident. A database server  800  is a server which manages a health insurance card number management database  850 , and is installed in an official body. The health insurance card number management database  850  is constituted by a name, an address, a birth data, a health insurance card number, and the like related to a subscriber of National Health Insurance or the like. 
   A database server  900  is a server which manages a passport number management database  950 , and is installed in an official body. The passport number management database  950  is constituted by a nationality, a name, an address, a birth date, a passport number, and the like related to a person to which a passport is issued. The customer terminal  1000  is a terminal which is to receive net banking service, and accesses the bank host terminal  300  through the network  200  to perform an on-line transaction. 
   The operation of the embodiment will be described below with reference to the flow charts shown in  FIG. 6  and  FIG. 7 . In step SA 1  shown in  FIG. 6 , the input screen control section  111  (see  FIG. 2 ) displays a transaction screen  2000  shown in  FIG. 8(   a ) on the display section  120  under the control of the main control section  115 . 
   The transaction screen  2000  is a screen which causes a customer to select a desired one of a plurality of transactions such as money deposit, transfer, passbook entry, withdrawal and balance inquiry, and customer management. On the transaction screen  2000 , as transaction buttons, a money input button (deposit)  2001 , a transfer button  2002  which is to select transfer, a passbook entry button  2003  which is to select passbook entry, a money removal button (withdrawal)  2004  which is to select withdrawal, and a balance inquiry button  2005  which is to select balance inquiry are displayed. On the transaction screen  2000 , a customer management button  2006  is also displayed. 
   In step SA 2 , the input screen control section  111  decides whether or not a transaction button (money input button  2001  to balance inquiry button  2005 ) or the customer management button  2006  is pressed by a customer on the transaction screen  2000 . When the decision result is “No”, this decision is repeated. When the money input button  2001  is pressed as the transaction button by the customer, the input screen control section  111  sets the decision result in step SA 2  as “Yes”. In step SA 3 , the input screen control section  111  displays a transaction form selection screen  2100  on the display section  120 . 
   The transaction form selection screen  2100  is a screen which is to cause a customer to select a desired transaction form from a plurality of transaction forms. As the plurality of transaction forms, a transaction (to be referred to as a card transaction) using a cash-card, a transaction (to be referred to as a passbook transaction) using a passbook, a transaction (to be referred to as a customer identification number manual input transaction) using a customer identification number manually input by a customer, a transaction (to be referred to as a customer identification number automatic input transaction) using a customer identification number automatically input by using the number card  1200  (see  FIG. 5 ), and a transaction (to be referred to as a customer identification number medium input transaction) using an image recognition result (customer identification number) of a medium (e.g., the driving license  1100 , see  FIG. 4 ) are cited. 
   On the transaction form selection screen  2100 , a card transaction button  2101  which is to select a card transaction, a passbook transaction button  2102  which is to select a passbook transaction, a customer identification number manual input button  2103  which is to select a customer identification number manual input transaction, a customer identification number automatic input button  2104  which is to select a customer identification number automatic input transaction, an identification number medium input button  2105  which is used to select a customer identification number medium input transaction, and a previous screen transition button  2106  which is to return to the previous screen (transaction screen  2000 ) are displayed. 
   In step SA 4 , the input screen control section  111  decides whether or not one button of the card transaction button  2101  to the identification number medium input button  2105  is pressed. When the decision result is “No”, the same decision is repeated. In this instance, when a customer presses the card transaction button  2101  or the passbook transaction button  2102 , the decision result in step SA 4  becomes “Yes”. In step SA 5 , the main control section  115  executes a process related to an existing transaction and then ends a series of processes. 
   When the customer identification number manual input button  2103  is pressed by the customer, the input screen control section  111  sets the decision result in step SA 4  as “Yes”. In step SA 6 , the input screen control section  111  displays a transaction type selection screen  2200  shown in  FIG. 8(   c ), on the display section  120 . 
   The transaction type selection screen  2200  is a screen which permits a customer to select the type (to be referred to as a transaction type) of a customer identification number (driving license number, basic pension number, basic resident register number, health insurance card number, and passport number used in transaction. On the transaction type selection screen  2200 , a transaction type selection section  2201  has a selection button  2203  which is to select a desired transaction type from a plurality of transaction types (not shown), and a display area  2202  which displays the selected transaction type (“driving license number”) in this figure. On the transaction type selection screen  2200 , a confirm button  2204  which confirms the selected transaction type and a previous screen transition button  2205  which returns to the previous screen (transaction form selection screen  2100 ) are displayed. 
   In step SA 7 , the input screen control section  111  decides whether or not a desired transaction type is selected from the plurality of transaction types. In this instance, the decision result is set as “No”, and the same decision is repeated. When the “driving license number” is selected as a transaction type by pressing the selection button  2203  by the customer, the input screen control section  111  sets the decision result in step SA 7  as “Yes”. 
   In step SA 8 , the input screen control section  111  displays the various-number input screen  2300  shown in  FIG. 9(   a ) on the display section  120 . The various-number input screen  2300  is a screen which permits a customer to manually input a customer identification number corresponding to the transaction type selected in step SA 7 . In this instance, because the driving license number is selected as the transaction type, a driving license number display region  2302  in which the manually input driving license number is displayed, a ten-key section  2301  which inputs the driving license number as numerical characters in units of figures, a confirm button  2303  which is to confirm the manually input driving license number, and a previous-screen transition button  2304  which returns to the previous screen (transaction type selection screen  2200 ) are displayed on the various-number input screen  2300 . 
   In step SA 9 , a manual input process of a customer identification number is executed by a customer. In this instance, the customer presses the ten-key section  2301  to sequentially manually input the driving license number  1100  (“000000347690”) of the driving license  1100  shown in, e.g.,  FIG. 4 . In this manner, a driving license number, i.e., “000000347690” is displayed in the driving license number display region  2302 . The customer presses the confirm button  2303  when the driving license number is correct. 
   In this manner, in step SA 10  shown in  FIG. 7 , the main control section  115  provides the information of the manually input driving license number (“000000347690”) to the communication control section  140 . The communication control section  140  executes a communication process of transmitting the information of the driving license number to the bank host terminal  300  shown in  FIG. 3  through the network  200 . The information of the driving license number is received by the communication control section  310  of the bank host terminal  300  and is then received by the control section  321 . 
   In step SA 11 , the control section  321  controls the database searching section  322  or the external database searching section  323  to execute a collation process. More specifically, the control section  321  causes the database searching section  322  to search the customer information database  350  by using the driving license number (customer identification number) as a key. In this instance, the driving license number does not exist in the customer information database  350 , the control section  321  causes the external database searching section  323  to search the other-bank customer information database  450  by using the driving license number as a key. 
   In this manner, the external database searching section  323  searches the other-bank customer information database  450  by using the driving license number as a key through the communication control section  310 , the network  200 , and the other-bank host terminal  400  (see  FIG. 1 ). In this instance, the search result that the driving license number does not exist in the other-bank customer information database  450  is provided to the control section  321 . 
   The control section  321  selects the driving license number management database  550  corresponding to the driving license number as a searching target of an external database. The control section  321  causes the external database searching section  323  to search the driving license number management database  550  by using the driving license number as a key. In this manner, the external database searching section  323  searches the driving license number management database  550  by using the driving license number as a key through the communication control section  310 , the network  200 , and the database server  500  (see  FIG. 1 ). 
   In this instance, when it is assumed that a driving license number which coincides with the driving license number exists in the driving license number management database  550 , the external database searching section  323  acquires information of a name and a birth date related to the driving license number from the driving license number management database  550  and provides the information to the control section  321 . In this manner, the control section  321  collates the information of the name and the birth date with the customer information database  350 . 
   More specifically, in this instance, customer information specified on the basis of the driving license number is searched for in the customer information database  350 . In step SA 12 , the control section  321  decides whether or not the collation result is agreement. When the decision result is “No”, i.e., a transaction using the driving license number (customer identification number) is not established, the process in step SA 1  is executed. 
   On the other hand, when the collation result is agreement (“Yes”), the control section  321  transmits the customer information (account number, account type, name, birth date, amount outstanding, and password) from the customer information database  350  to the automatic transaction machine  100  through the communication control section  310  and the network  200 . 
   When the customer information is received by the communication control section  140  shown in  FIG. 2 , in step SA 13 , the input screen control section  111  displays a password input screen  2400  shown in  FIG. 9(   b ) on the display section  120 . The password input screen  2400  is a screen which permits a customer to input the password corresponding to the account. On the password input screen  2400 , a ten-key section  2401  which inputs the password as numerical characters in units of figures, a password display region  2402  which displays the input password, a confirm button  2403  which confirms the input password, and a previous-screen transition button  2404  which returns to the previous screen (various-number input screen  2300 ) are displayed. 
   In step SA 14  shown in  FIG. 7 , a customer executes an input process of a password. In this instance, the customer presses the ten-key section  2401  to sequentially input 4-digit password “1234”. In this manner, the password “1234” is displayed in the password display region  2402 . 
   When the password is correct, the customer presses the confirm button  2403 . In this manner, in step SA 15  shown in  FIG. 7 , collation is executed between the input password “1234” and the password in the customer information database  350  on the bank host terminal  300  shown in  FIG. 3 . 
   More specifically, the data of the password “1234” input by the customer is provided to the control section  321  of the bank host terminal  300  shown in  FIG. 3  through the communication control section  140 , the network  200 , and the communication control section  310  shown in  FIG. 2 . In this manner, the control section  321  collates the password “1234” input by the customer with the password in the customer information database  350 . 
   In step SA 16 , the control section  321  decides whether or not the collation result in step SA 15  is agreement. When the decision result is “No”, the transaction is not established. 
   On the other hand, when the decision result in step SA 16  is “Yes”, i.e., when the customer is authenticated with the password, in step SA 17 , the control section  321  executes a process related to an existing transaction (in this instance, money deposit) and then ends a series of processes. 
   When a basic pension number or a basic resident register number is manually input by the customer as the customer identification number, because the information of the basic pension number and the basic resident register number exist in the customer information database  350 , the control section  321  shown in  FIG. 3  executes a collation process (step SA 11 ) on the basis of the information. In addition, when a health insurance card number or a passport number is manually input by the customer as the customer identification number, the control section  321  executes the collation process (step SA 11 ) by using the external health insurance card number management database  850  or the passport number management database  950  (see  FIG. 1 ) as a collation target. 
   When the balance inquiry button  2005  of the transaction screen  2000  shown in  FIG. 10(   a ) is pressed by the customer, the input screen control section  111  sets the decision result in step SA 2  shown in  FIG. 6  as “Yes”. In step SA 3 , the input screen control section  111  displays the transaction form selection screen  2100  shown in  FIG. 10(   b ) on the display section  120 . In this state, the customer identification number automatic input button  2104  is pressed by the customer, and thus the input screen control section  111  sets the decision result in step SA 4  as “Yes”. In step SA 18 , the input screen control section  111  displays a number card insertion screen (not shown) on the display section  120 . The number card insertion screen is a screen which instructs the customer to insert the number card  1200  (see  FIG. 5)  used in a customer identification number automatic input transaction into the reading section  130 . 
   When the number card  1200  (see  FIG. 5 ) is inserted into the reading section  130  by the customer, the reading section  130  magnetically reads the customer identification number information  1203  (basic pension number, basic resident register number, driving license number, health insurance card number, or passport number) from the magnetic stripe  1201  to give it to the main control section  115 . In step SA 19 , whether or not one number is selected from the customer identification number information  1203  by the customer or not is decided. When the decision result is “No”, the same decision is repeated. When it is assumed that the basic pension number is selected by the customer, the main control section  115  sets the decision result in step SA 19  as “Yes”. 
   In step SA 10 , the main control section  115  provides the information of the selected basic pension number to the communication control section  140 . The communication control section  140  executes a communication process such that the information of the basic pension number is transmitted to the bank host terminal  300  shown in  FIG. 3  through the network  200 . The information of the basic pension number is received by the communication control section  310  of the bank host terminal  300  and then received by the control section  321 . 
   In step SA 11 , the control section  321  causes the database searching section  322  to search the customer information database  350  by using the basic pension number as a key. In this instance, when it is assumed that a basic pension number which agrees with the basic pension number exists in the customer information database  350 , the database searching section  322  provides the searching result to the control section  321 . In this instance, in step SA 12 , the control section  321  sets the decision result as “Yes” because the collation result between both the basic pension numbers is agreement. The control section  321  transmits the customer information (account number, account type, name, birth date, amount outstanding, and password) from the customer information database  350  to the automatic transaction machine  100  through the communication control section  310  and the network  200 . 
   When the customer information is received by the communication control section  140  shown in  FIG. 2 , in step SA 13 , the input screen control section  111  displays the password input screen  2400  shown in  FIG. 9(   b ) on the display section  120 . In step SA 14 , an input process of the password is executed by the customer. Thereafter, in step SA 15 , a password collation process is executed. In step SA 16 , the control section  321  (see  FIG. 3)  decides whether or not the collation result in step SA 15  is agreement. When the decision result is “Yes”, in step SA 17 , the control section  321  executes a process related to an existing transaction (in this instance, balance inquiry) and then ends a series of processes. 
   When the balance inquiry button  2005  of the transaction screen  2000  shown in  FIG. 10(   a ) is pressed by the customer, the input screen control section  111  sets the decision result in step SA 2  shown in  FIG. 6  as “Yes”. In step SA 3 , the input screen control section  111  displays the transaction form selection screen  2100  shown in  FIG. 10(   b ) on the display section  120 . 
   In this state, the identification number medium input button  2105  is pressed by the customer, the input screen control section  111  sets the decision result in step SA 4  as “Yes”. In step SA 20 , the input screen control section  111  displays a medium insertion screen  2500  shown in  FIG. 10(   c ) on the display section  120 . The medium insertion screen  2500  is a screen which is instructs the customer to insert a medium (e.g., the driving license  1100 , see  FIG. 4)  used in a customer identification number medium input transaction into the reading section  130 . A previous-screen transition button  2501  which returns to the previous screen (transaction form selection screen  2100 ) is displayed in the medium insertion screen  2500 . 
   When the driving license  1100  (see  FIG. 4 ) is inserted into the reading section  130  by the customer, in step SA 21 , the reading section  130  optically reads the image of a driving license number  1101  and then cuts a partial image including the driving license number  1101  from the image. In step SA 22 , the main control section  115  executes a process of recognizing a medium type (in this instance, driving license) and a customer identification number (in this instance, the driving license number  1101 ) on the basis of the image and the partial image read by the reading section  130 . 
   More specifically, the main control section  115  recognizes a medium type on the basis of collation between data of horizontal rules on a plurality of preset media and horizontal rules included in the image. In this instance, the main control section  115  recognizes the medium type as a driving license. The main control section  115  recognizes a customer identification number recognized as characters from the partial image. In this instance, the type decision/character recognition section  114  recognizes the driving license number  1101  (“000000347690”) as the customer identification number. The main control section  115  provides the recognition result of the medium type and the customer identification number to the input screen control section  111 . 
   In this manner, in step SA 23 , the input screen control section  111  displays a recognition result screen  2600  shown in  FIG. 11(   a ) on the display section  120 . The recognition result screen  2600  is a screen which displays the recognition result of the medium type and the customer identification number. 
   On the recognition result screen  2600 , a “driving license” (medium type) and “000000347690” (customer identification number) are displayed. On the recognition result screen  2600 , a confirm button  2601  which is to confirm a medium type/number recognition result and a previous-screen transition button  2602  which is to return to the previous screen (medium insertion screen  2500 ) are displayed. 
   When the customer who has completed the confirmation presses the confirm button  2601 , in step SA 10  shown in  FIG. 7 , the main control section  115  provides the information of the recognized driving license number (“000000347690”) to the communication control section  140 . The communication control section  140  executes a communication process of transmitting the information of the driving license number to the bank host terminal  300  shown in  FIG. 3  through the network  200 . The information of the driving license number is received by the communication control section  310  of the bank host terminal  300  and is then received by the control section  321 . In steps subsequent to step SA 11 , the same operation as described above will be executed on the basis of the driving license number. 
   A registration process of registering an account number, . . . , a password, and a customer identification number (basic pension number, basic resident register number, and the like) in the customer information database  350  shown in  FIG. 3  and a delete process of deleting the registered customer identification number will be described below. The registration process and deleting process are executed on the basis of an operation of a person in charge of a financial institution in response to a request of the customer. 
   The registration process will be described below. When the customer management button  2006  of the transaction screen  2000  shown in  FIG. 12(   a ) is pressed by a person in charge, the input screen control section  111  sets the decision result in step SA 2  shown in  FIG. 6  as “Yes”. In step SA 24 , the input screen control section  111  displays a transaction selection screen  2800  shown in  FIG. 12(   b ) on the display section  120 . The transaction selection screen  2800  is a screen which is to select one of the registration process or the deleting process. On the transaction selection screen  2800 , a various-number registration button  2801  which selects the registration process, a various-number delete button  2802  which selects the deleting process, and a previous screen transition button  2803  which returns to the previous screen ( 2000 ) are displayed. 
   In step SA 25 , the input screen control section  111  decides whether or not the various-number registration button  2801  or the various-number delete button  2802  is pressed by a person in charge. When the decision result is “No”, the same decision is repeated. When the various-number registration button  2801  is pressed by the person in charge, the input screen control section  111  sets the decision result in step SA 25  as “Yes”. In step SA 26 , the input screen control section  111  displays a various-number registration screen (not shown) on the display section  120 . The various-number registration screen is a screen which registers the customer identification number (driving license number, basic pension number, or the like) in the customer information database  350  shown in  FIG. 3  in response to the account number of the customer. 
   When the customer identification number and the account number are input by the person in charge, in step SA 27 , the main control section  115  transmits information of the customer identification number and the account number to the communication control section  140 , the network  200 , and the communication control section  310  shown in  FIG. 3 . In this manner, the communication control section  310  registers the information of customer identification number in the customer information database  350  in response to the account number. 
   The deleting process will be described below. When the various-number delete button  2802  shown in  FIG. 12(   b ) is pressed by the person in charge, the input screen control section  111  sets the decision result in step SA 25  as “Yes”. When the account number of the customer is input by the person in charge, in step SA 28 , the input screen control section  111  displays a various-number delete screen  2900  shown in  FIG. 12(   c ) on the display section  120 . The various-number delete screen  2900  is a screen which deletes the customer identification number (driving license number or the like) which has been registered in the customer information database  350  shown in  FIG. 3 . 
   The various-number delete screen  2900  comprises a delete transaction type selection section  2901  which selects the type (delete transaction type) of the customer identification number registered in response to the account number, a selection button  2903  which is to select a desired transaction type from a plurality of transaction types (driving license number, basic pension number, and the like), and a display region  2902  in which the selected transaction type (in the same figure, the “driving license number”) is displayed. 
   When the “driving license number” is selected by the person in charge, in step SA 29 , the main control section  115  transmits the information of the customer identification number (in this instance, the “driving license number”) and the account number to the communication control section  140 , the network  200 , and the communication control section  310  shown in  FIG. 3 . In this manner, the communication control section  310  deletes the information of the customer identification number (in this instance, the “driving license number”) registered in the customer information database  350  in response to the account number. 
   As described above, according to the embodiment, on the basis of the basic pension number, the basic resident register number, the driving license number, the health insurance card number, or the passport number which is the customer identification number, collation of the customer and transaction are performed. For this reason, the customer need not carry a cash-card or a passbook, unlike a conventional art. Therefore, the convenience of the customer can be improved while maintaining security related to the transaction. 
   According to the embodiment, because the customer identification number is automatically input by using the driving license  1100  or the number card  1200 , the customer need not to memorize the identification number. Therefore, the convenience of the customer can be improved. 
   As described above, according to the present invention, because collation and the transaction are performed on the basis of the identification number, the customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while maintaining security related to the transaction advantageously. 
   According to the present invention, because collation and the transaction are performed on the basis of the identification number input from the touch panel display section, the customer need not carry a cash-card and a passbook, unlike a conventional art. For this reason, the convenience of the customer can be improved while maintaining security related to the transaction advantageously. 
   According to the present invention, because the identification number is automatically input by using a medium, the customer need not memorize her/his identification number. For this reason, the convenience of the customer can be improved advantageously. 
   According to the present invention, because the identification number is automatically input by using a recording medium on which only the identification number is recorded, the customer need not memorize her/his identification number. For this reason, the convenience of the customer can be improved advantageously. 
   According to the present invention, because collation and the transaction are performed on the basis of a basic pension number, a basic resident register number, a driving license number, a health insurance card number, or a passport number which is the identification number, the convenience of the customer can be improved while maintaining security related to the transaction advantageously. 
   As has been described above, a method of, an apparatus and a system for automatic transaction according to the present invention are useful to improve the convenience of various transactions such as money deposit, withdrawal, transfer, balance inquiry, and passbook entry and security at a financial institution.