Information processing apparatus, information processing method, and program

Abstract

To perform identity verification with higher accuracy.SOLUTION: An information processing apparatus comprises an acquisition unit and a processing unit. The acquisition unit acquires: card surface information which is information to be processed described on a surface of a residence card; IC information which is information to be processed stored in an IC chip of the residence card; and declared information which is information to be processed declared via a terminal device. The processing unit executes: first processing that determines whether or not the declared information and the card surface information match at a first matching requirement level; second processing that determines whether or not the card surface information and the IC information match at a second matching requirement level; third processing that determines whether or not the declared information and the IC information match at a third matching requirement level. If the determinations by the first processing, the second processing and the third processing are affirmative, the processing unit approves identity verification of the subject. The first matching requirement level is at least different from the second matching requirement level or the third matching requirement level.SELECTED DRAWING: Figure 1

Description

Technical Field

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

Background Art

[0002] Conventionally, when reading of the residence card information stored in a residence card is completed, the imaging function of the own device is activated to capture an imaging image including the user, and face verification processing is performed based on the face image included in the read residence card information and the captured imaging image. An information processing apparatus has been disclosed (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, there were cases where identity verification could not be performed accurately.

[0005] The present invention has been made in consideration of such circumstances, and one of the objects is to provide an information processing apparatus, an information processing method, and a program capable of performing identity verification more accurately.

Means for Solving the Problems

[0006] One aspect of the present invention includes an acquisition unit that acquires surface information, which is information to be processed described on the face of a residence card; IC information, which is information to be processed stored in an IC chip of the residence card; and declaration information, which is information to be processed declared via a terminal device. The present invention also includes a first process that determines whether the declaration information matches the surface information with a first matching requirement level, a second process that determines whether the surface information matches the IC information with a second matching requirement level, and a third process that determines whether the declaration information matches the IC information with a third matching requirement level. When the determinations of the first process, the second process, and the third process are affirmative, the present invention includes a processing unit that approves the identity confirmation of the subject person. The first matching requirement level is an information processing device that is at least different from the second matching requirement level or the third matching requirement level.

Effect of the Invention

[0007] According to one aspect of the present invention, identity confirmation can be performed with higher accuracy.

Brief Description of the Drawings

[0008]

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Embodiments for Carrying Out the Invention

[0009] Hereinafter, with reference to the drawings, embodiments of the information processing apparatus, information processing method, and program of the present invention will be described. Various apparatuses for providing services to users or performing internal analysis, such as the "settlement server (information processing apparatus)" that appears below, may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. A store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a party different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processes such as settlement when a purchase action is performed in the store are mainly carried out between the user and the franchise. Alternatively, processes such as settlement may be carried out between the user and the store.

[0010] [Electronic Payment Service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized centering around a payment server 100. The payment server 100 communicates with each of, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] [User Terminal Device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, by executing a payment application 20 by a processor such as a CPU, it operates to provide an electronic payment service to the user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, and the like.

[0012] [First Store Terminal Device] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0013] [Second Store Terminal Device] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. On the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an app for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons, etc. by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70 which is a smartphone has functions such as displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an app for franchise stores.

[0014] The payment server 100 realizes electronic payment based on the payment information received from the user terminal device 10, the first store terminal device 50, or the franchise store server 300. The first store terminal device 50 may include a POS device. In that case, the payment information is transmitted from the POS device to the payment server 100 via the franchise store server.

[0015] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

[0016] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the payment application 20 is activated decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with the franchise store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and the store name (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen where the franchise store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). When the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also payment amount information. In this case, the procedure for the user to input the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and the store name may be included and displayed on the payment completion screen.

[0017] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 in front of the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including the one-time code, the payment amount, the franchise store ID, the store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0018] Note that the electronic payment may be performed in only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as identification information for identifying the user. Further, in the store scan, the issuance of the one-time code may be omitted, and the payment application 20 may display a code image generated based on the user's account ID. In that case, instead of identifying the user corresponding to the one-time code, the payment server 100 identifies the user corresponding to the account ID.

[0019] [Payment Server] FIG. 4 is a configuration diagram of the settlement server 100 according to the embodiment. The settlement server 100 includes, for example, a communication unit 110, a content providing unit 120, a settlement processing unit 130, an information management unit 140, a processing unit 150, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium on a drive device. The information management unit 140 is an example of an "acquisition unit".

[0020] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, content information 174, franchise / store information 176, and confirmation information 178 is stored in the storage unit 170.

[0021] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0022] The content providing unit 120 has, for example, the function of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 appropriately reads necessary content from the content information 174 and provides it to the user terminal device 10. The user terminal device 10 receives various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-described payment information and the like to the payment server 100. As described above, the content providing unit 120 and the payment application 20 cooperate to display content related to the electronic payment service on the display unit of the user terminal device 10.

[0023] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0024] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the user's registration information. The user information 172 includes, for example, a user URL, an account ID, a phone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, remaining recharge amount, post-payment setting, post-payment limit, post-payment usage amount, post-payment available amount, payment method setting, bank account, credit card number, recharge history information, payment history information, eKYC information (electronic Know Your Customer information), and other information that are associated. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of a phone number and a password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (not necessarily set). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (not necessarily set). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) in which these pieces of information are associated is referred to as an account.

[0025] The remaining balance of the charge indicates information about the remaining balance of the electronic money set by the user's prior transfer to the account. As means of transfer, there are transfers from the ATM (Automatic Teller Machine) of the designated operator (bank), transfers from the registered bank account, etc. The post-payment setting indicates information on whether the setting for enabling electronic payment by post-payment has been completed or not, and is set to either "completed" or "not". The post-payment limit is the limit amount of post-payment available per month, the post-payment usage amount is the amount of post-payment already used in the current month, and the post-payment available amount is the amount of post-payment available in the current month obtained by subtracting the post-payment usage amount from the post-payment limit. Although only one post-payment limit is shown in the figure, in reality, there are further upper limits per day, etc., and the lower of them may be set as the post-payment limit. Further details of the post-payment will be described later. The payment method setting is setting information indicating whether the user performs an electronic payment using the remaining balance of the charge or a payment by post-payment at that time. Each of the bank account and the credit card number is information (account number, card number) of a bank account or a credit card number that can receive payments for the electronic payment service. The charge history information is the history of the user's prior transfer to the electronic payment service to increase the remaining balance of the charge. The settlement history information is information showing the breakdown (date and time, store ID of the store where the purchase action was performed, settlement amount, payment method, etc.) of the settlements made by the user for each settlement.

[0026] The eKYC information indicates information on whether the user has completed identity verification. The identity verification is information generated based on the processing result of the processing unit 150. When the processing unit 150 approves the identity verification, the identity verification for the target user becomes "completed". A user who has completed identity verification can use services that a user whose identity verification is "not" cannot use. The service is a service provided in the electronic payment service. For example, a user who has completed identity verification can have an expanded range of affiliated stores that can use the electronic payment service, be able to withdraw money from the bank account, or have an expanded limit for credit payment (post-payment).

[0027] FIG. 6 is a diagram showing an example of the content of the affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with the affiliated store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these pieces of information, the affiliated store / store information 176 may include information such as the category of the affiliated store or store, the location of the store, and the settlement pattern.

[0028] Based on the information acquired from the user terminal device 10 and the second store terminal device 70, the information management unit 140 manages the user information 172 and the affiliated store / store information 176. The information management unit 140 performs operations such as adding, editing, and deleting new records for the user information 172 and the affiliated store / store information 176.

[0029] The information management unit 140 acquires the information input by the user via the user terminal device 10 or the information acquired by the user terminal device 10. For example, the information management unit 140 acquires the face information which is the information to be processed described on the face of the residence card, the IC information which is the information to be processed stored in the IC chip of the residence card, the declaration information which is the information to be processed declared via the user terminal device 10, and so on. Details of these pieces of information will be described later.

[0030] [Electronic Settlement] When the settlement information is acquired from the user terminal device 10 or the first store terminal device 50, the settlement processing unit 130 refers to the user information 172 to acquire the "settlement method setting" of the user. For users whose "settlement method setting" is set to "charge balance", the settlement processing unit 130 performs electronic settlement as follows. For example, the settlement processing unit 130 reduces the charge balance managed in association with the user ID and increases the item value of the sales amount of the affiliated store to perform electronic settlement. The item value of the sales amount of the affiliated store is not used as electronic money itself, and the amount corresponding to the item value of the sales amount is remitted to the bank account in a cycle according to the agreement between the affiliated store and the electronic settlement service.

[0031] When the "settlement information" is set to "post - payment" for a user, the settlement processing unit 130 performs electronic settlement as follows. Post - payment is set separately from "credit payment" through cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor and allows electronic settlement that does not depend on the remaining recharge amount within the scope of the post - payment limit. In addition, in order to receive the post - payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for post - payment is settled in a lump sum for one month on the payment date of the following month, for example, by direct debit from a bank account. In this case, the settlement processing unit 130 performs a provisional settlement by adding the settlement amount to the post - payment usage amount and subtracting the same amount from the available post - payment amount, and at the closing date, performs processing to debit the settlement for the current month to the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. If the settlement amount exceeds the available post - payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.

[0032] [Processing Unit] The processing unit 150 executes the first process, the second process, and the third process. The first process is a process of determining whether the declaration information and the ticket surface information match with a first matching requirement degree. The second process is a process of determining whether the ticket surface information and the IC information match with a second matching requirement degree. The third process is a process of determining whether the declaration information and the IC information match with a third matching requirement degree. When the determinations of the first process, the second process, and the third process are affirmative, the processing unit 150 approves the identity confirmation of the target person. In this case, the eKYC information in the user information 172 becomes "completed". The first matching requirement degree is at least different from the second matching requirement degree or the third matching requirement degree.

[0033] FIG. 7 is a diagram showing an example of the content of confirmation information 178 including declaration information, face information, and IC information. The declaration information is information input by the user on the interface screen for identity verification. The face information is information obtained based on the image of the face of the residence card imaged using the imaging unit of the user terminal device 10 in the process for the user to verify their identity. For example, the information management unit 140 executes an image recognition process (e.g., OCR: Optical Character Recognition / Reader) to obtain the items described in the face information and the information corresponding to the items from the image. The IC information is the information stored in the IC chip of the residence card and obtained by the user terminal device 10 communicating with the IC chip. The settlement server 100 acquires the declaration information, face information, and IC information via the user terminal device 10.

[0034] The declaration information, face information, and IC information include, for example, address, name, date of birth, nationality, residence status, period of stay, and part or all of the image in which the face is imaged. The image in which the face of the declaration information is imaged is an image imaged by the user using the imaging unit. This image is an image of the face corresponding to the motion instruction displayed on the interface screen. For example, the settlement server 100 causes the applicant to image an image of the face facing forward or an image of the face facing obliquely sideways, and provides the imaged image. In the settlement server 100, it is determined whether an image corresponding to the motion instruction has been imaged. If an image corresponding to the instruction is not provided, the identity verification is denied.

[0035] [Flowchart] FIG. 8 is a flowchart showing an example of the flow of processing executed by the settlement server 100. First, the information management unit 140 acquires declaration information, face value information, and IC information from the user terminal device 10 (S100, S102, S104). The order in which the declaration information, face value information, and IC information are acquired may be any order. Next, the processing unit 150 compares the three acquired pieces of information respectively (S106) and determines whether the information matches (S108). The comparison of the above three pieces of information may be in any order. For example, the processing unit 150 collates the information of the corresponding items of the three pieces of information to determine whether the information matches.

[0036] If the information matches, the processing unit 150 proceeds to the eKYC completion process (S110). The processing unit 150, for example, proceeds to the process for completing eKYC or causes the content providing unit 120 to provide an interface screen for completing eKYC. If the information does not match, the processing unit 150 notifies the user via the user terminal device 10 that eKYC cannot be completed (S112). The processing unit 150, for example, causes the content providing unit 120 to provide an interface screen indicating that eKYC cannot be completed. Thereby, the processing of one routine of this flowchart ends.

[0037] FIG. 9 is a diagram for explaining the details of the processing of S106 and S108 above. The processing unit 150 compares the information of the items of the declaration information with the information of the items of the face value information and determines whether they match. The comparison is made between the information of the corresponding items. Matching does not have to be completely identical, and it means that a part matches or matches to a predetermined degree or more (the same applies to the following matching).

[0038] The processing unit 150 compares the information of the items of the face value information with the information of the items of the IC information and determines whether they match. The processing unit 150 compares the information of the items of the declaration information with the information of the items of the IC information and determines whether they match.

[0039] The degree of matching requirement between the declared information and the ticket information is the first degree of matching requirement, the degree of matching requirement between the ticket information and the IC information is the second degree of matching requirement, and the degree of matching requirement between the declared information and the IC information is the third degree of matching requirement. For example, the first degree of matching requirement is a different degree of matching requirement from the second degree of matching requirement and the third degree of matching requirement. Which degree of matching requirement is higher may be arbitrarily set. A higher degree of matching requirement means a higher degree of requirement for matching. For example, the first degree of matching requirement is a higher degree of matching requirement than the second degree of matching requirement or the third degree of matching requirement. For example, the first degree of matching requirement is a higher degree of matching requirement than the second degree of matching requirement and the third degree of matching requirement.

[0040] The processing unit 150 determines whether the information of the target item included in the declared information matches the information of the target item included in the ticket information at the first degree of matching requirement. The processing unit 150 determines whether the information of the target item included in the ticket information matches the information of the target item included in the IC information at the second degree of matching requirement. The processing unit 150 determines whether the information of the target item included in the declared information matches the information of the target item included in the IC information at the third degree of matching requirement. A higher degree of matching requirement means a larger number of items for which matching is determined.

[0041] FIG. 10 is a diagram for explaining the degree of matching requirement. For example, the first degree of matching requirement corresponding to the declared information and the ticket information is higher than the second degree of matching requirement corresponding to the ticket information and the IC information. At the first degree of matching requirement, more matching of information between items is required than at the second degree of matching requirement.

[0042] In the above processing, the processing unit 150 determines whether the faces in a plurality of images match using a known method. For example, the processing unit 150 extracts the feature amounts of the faces in the images and compares the extracted feature amounts to determine whether the faces in the images match.

[0043] For example, some of the above-mentioned declaration information, face information, and IC information may not be correct due to various circumstances. When such circumstances exist, if the degree of match requirement is made the same, although it should be possible to smoothly approve the identity verification originally, it may be treated as defective and the identity verification may be denied. In this embodiment, as described above, when the processing unit 150 compares the target information, by using the degree of match requirement corresponding to the information to be compared, identity verification can be performed smoothly, accurately, and simply.

[0044] According to the embodiment described above, the processing unit 150 can perform identity verification more accurately by using three pieces of information. Furthermore, since the processing unit 150 determines identity verification based on the degree of match requirement corresponding to the information to be compared, the determination of identity verification can be performed more simply.

[0045] <Modification Example> In the above-described embodiment, the target is the residence card. In the modification example, in addition to (or instead of) this, other certificates for identity verification are the target. Hereinafter, the description will focus on the differences from the above-described embodiment.

[0046] When a request for identity verification using a certificate for identity verification different from the residence card is transmitted, the processing unit 150 executes a process different from the process of performing identity verification of the target person using the residence card to perform identity verification of the target person. The different process is a process with a smaller processing load on the processing unit 150 than the process of performing identity verification using the residence card.

[0047] When a request for identity verification using a certificate for identity verification different from the residence card is transmitted, the processing unit 150 executes the process of (1) or (2). (1) is a process in which the information management unit 140 acquires the face information, which is the information to be processed described on the face of a different certificate for identity verification, and the declaration information, which is the information to be processed declared via the user terminal device 10, and the processing unit 150 determines the match between the declaration information and the face information.

[0048] (2) is a process in which the information management unit 140 acquires IC information, which is information to be processed stored in the IC chip of a different personal identification certificate, and declaration information, which is information to be processed declared via the user terminal device 10, and the processing unit 150 determines whether the declaration information matches the IC information.

[0049] [Flowchart] Figure 11 is a flowchart showing an example of the flow of processing executed by the processing unit 150 of the modification example. First, the processing unit 150 determines whether the user has selected a residence card as a certificate for personal identification on the interface screen for personal identification (S200). If the residence card is selected, the processing unit 150 executes the processing of S100 - S112 in FIG. 8 described above (S202). If a certificate different from the residence card is selected, the processing unit 150 executes specific processing according to the selected certificate (S204). The specific processing will be described with reference to FIGS. 11 and 12 described later. Thus, the processing of one routine of this flowchart ends.

[0050] Figure 12 is a diagram for explaining specific processing (1). For example, when the certificate for personal identification is a driver's license or a my number card, the processing unit 150 approves personal identification when the degree of match between the declaration information and the face information is the fourth match requirement degree. The fourth match requirement degree may be a match requirement degree different from the first match requirement degree, the second match requirement degree, and the third match requirement degree, or may be the same as any of the match requirement degrees.

[0051] Figure 13 is a diagram for explaining specific processing (2). For example, when the certificate for personal identification is a driver's license or a my number card, the processing unit 150 may approve personal identification when the degree of match between the face information and the IC information is the fifth match requirement degree. The fifth match requirement degree may be the same as or different from the fourth match requirement degree. The fifth match requirement degree may be a match requirement degree different from the first match requirement degree, the second match requirement degree, and the third match requirement degree, or may be the same as any of the match requirement degrees.

[0052] According to the modification example described above, since the processing unit 150 makes a determination according to the type of certificate used for personal confirmation, personal confirmation can be performed simply and with higher accuracy.

[0053] As described above, the embodiments for carrying out the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments at all, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Signs

[0054] 10 User terminal device 20 Payment application 100 Payment server 120 Content providing unit 130 Payment processing unit 140 Information management unit 150 Processing unit 178 Confirmation information

Claims

1. Card information, which is the information to be processed and is written on the face of the residence card; IC information, which is information to be processed and is stored in an IC chip of the residence card; An acquisition unit that acquires declaration information, which is information to be processed and declared via a terminal device; a first process for determining whether the declared information and the face information match at a first match requirement level; a second process for determining whether the face information and the IC information match at a second matching requirement level; A third process is executed to determine whether the declaration information and the IC information match at a third match request degree. a processing unit that approves the identity verification of the subject when the determinations of the first process, the second process, and the third process are positive, the first match request degree is different from at least the second match request degree or the third match request degree; Information processing device.

2. the first match request degree is different from the second match request degree and the third match request degree; The information processing device according to claim 1 .

3. the first match request degree is higher than the second match request degree or the third match request degree; The information processing device according to claim 1 .

4. the first match request degree is higher than the second match request degree and the third match request degree; The information processing device according to claim 1 .

5. The first process is a process for determining whether information on a target item included in the declaration information matches information on a target item included in the card face information at the first matching requirement degree, The second process is a process for determining whether information of a target item included in the face information and information of the target item included in the IC information match with each other at the second match request degree, The third process is a process for determining whether information on a target item included in the declaration information and information on a target item included in the IC information match with each other at the third match request degree, A high degree of matching requirement means that the number of items for which matching is judged is large.

5. The information processing device according to claim 3.

6. Each of the card information, the IC information, and the declaration information includes a plurality of pieces of information among the address, name, date of birth, nationality, status of residence, expiration date of residence, and an image of the face of the subject. The information processing device according to claim 5 .

7. If a request for identity verification is submitted using a certificate other than the residence card, The processing unit performs a process different from the process of performing identity verification of the subject using the residence card to perform identity verification of the subject. The information processing device according to claim 1 .

8. The different process is a process that imposes a smaller processing load on the processing unit than the process of performing the identity verification using the residence card. The information processing device according to claim 7.

9. When a request for identity verification using a certificate other than the residence card is sent, the process of (1) or (2) is executed, The above (1) is The acquisition unit, face information, which is information to be processed and is written on the face of the different identity verification certificate; Acquire reporting information, which is information to be processed and reported via a terminal device; The processing unit determines whether the declared information matches the face information, The above (2) is The acquisition unit, IC information, which is information to be processed and is stored in an IC chip of the different identity verification certificate; Acquire reporting information, which is information to be processed and reported via a terminal device; The processing unit determines whether the declaration information matches the IC information. The information processing device according to claim 8.

10. The computer Card information, which is the information to be processed and is written on the face of the residence card; IC information, which is information to be processed and is stored in an IC chip of the residence card; Acquire reporting information, which is information to be processed and reported via a terminal device; a first process for determining whether the declared information and the face information match at a first match requirement level; a second process for determining whether the face information and the IC information match at a second matching requirement level; A third process is executed to determine whether the declaration information and the IC information match at a third match request degree. If the determinations of the first process, the second process, and the third process are positive, approve the subject's identity verification; the first match request degree is different from at least the second match request degree or the third match request degree; Information processing methods.

11. On the computer, Card information, which is the information to be processed and is written on the face of the residence card; IC information, which is information to be processed and is stored in an IC chip of the residence card; A process of acquiring declared information, which is information to be processed and declared via a terminal device; a first process for determining whether the declared information and the face information match at a first match requirement level; a second process for determining whether the face information and the IC information match at a second matching requirement level; a third process for determining whether the report information and the IC information match at a third match request degree; If the determinations of the first process, the second process, and the third process are positive, a process of approving the identity verification of the subject is executed; the first match request degree is different from at least the second match request degree or the third match request degree; program.

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