Authentication system, authentication apparatus, authentication method and authentication program

An authentication apparatus comprising:

• at least one input device;
• at least one display device;
• at least one processor;
• and
• at least one memory device which stores a plurality of instructions, which when executed by the at least one processor, cause the at least one processor to operate with the at least one input device and the at least one display device to:
• (a) store association information where a second plurality of instructions for individual data is associated with authentication methods, the authentication methods used to authenticate a user, said individual data being previously individually allocated to a legitimate user, and said individual data includes saving account data generated based on a saving account of the legitimate user;
• (b) select, based on said association information, the authentication method corresponding to the instruction input by a user, wherein a Personal Identification Number authentication method to includes a withdrawal of money instruction input and a biological information method, different and exclusive from the Personal Identification Number authentication method, to includes a change lock condition instruction input;
• (c) after selecting said authentication method, authenticate the user as the legitimate user based on a result of checking challenge data obtained from the user for the check against template data previously registered as authentication information for the legitimate user, wherein the individual data is set to a lock state when the instruction input by the user meets a lock condition, the saving account being unavailable for any withdrawal when the individual data is set to the lock state;
• and
• (d) execute a process in accordance with said instruction when the user is authenticated as the legitimate user, wherein the process changes the lock condition when said instruction is the change lock condition instruction input,
• wherein the change lock condition instruction input includes a change to a transaction limit of the saving account.

An authentication method comprising:

• causing a processor to execute a plurality of instructions to operate with at least one input device and at least one display device to:
• (a) select, based on association information where a second plurality of instructions for individual data previously allocated to a legitimate user individually is associated with authentication methods which are to be used to authenticate a user, the authentication method corresponding to the instruction input by a user, and said individual data includes saving account data generated based on a saving account of the legitimate user, wherein a first authentication method to includes a withdrawal of money instruction input and a second authentication method, different and exclusive from the first authentication method, to includes a change lock condition instruction input;
• (b) set the individual data to a lock state when the instruction input by the user meets a lock condition, the saving account being unavailable for any withdrawal when the individual data is set to the lock state;
• (c) authenticate the user as the legitimate user based on a result of checking challenge data obtained from the user for the check against template data previously registered as authentication information for the legitimate user;
• and
• (d) execute a process in accordance with said instruction when the user is authenticated as the legitimate user, wherein the executed process changes the lock condition when said instruction is the change lock condition instruction input,
• wherein the change lock condition instruction input includes a change to a transaction limit of the saving account.

A non-transitory computer-readable medium storing an authentication program for causing an information processing apparatus including:

• at least one input device;
• at least one display device;
• at least one processor;
• and
• at least one memory device which stores a plurality of instructions, which when executed by the at least one processor, cause the at least one processor to operate with the at least one input device and the at least one display device to execute:
• (a) a selection step of selecting, based on association information where a second plurality of instructions for individual data previously allocated to a legitimate user individually is associated with authentication methods which are to be used to authenticate a user, the authentication method corresponding to the instruction input by a user, and said individual data includes saving account data generated based on a saving account of the legitimate user, wherein a Personal Identification Number authentication method to includes a withdrawal of money instruction input and a biological information method, different and exclusive from the Personal Identification Number authentication method, to includes a change lock condition instruction input;
• (b) an authentication step of following said authentication method selected to authenticate the user as the legitimate user based on a result of checking challenge data obtained from the user for the check against template data previously registered as authentication information for the legitimate user, wherein said authentication step includes setting the individual data to a lock state when the instruction input by the user meets a lock condition, the saving account being unavailable for any withdrawal when the individual data is set to the lock state;
• and
• (c) a process execution step of executing a process in accordance with said instruction when the user is authenticated as the legitimate user, wherein the executed process changes the lock condition when said instruction is the change lock condition instruction input,
• wherein the change lock condition instruction input includes a change to a transaction limit of the saving account.