Information processing device, information processing system, information processing method, and program

Abstract

To enable outputting of a personal identification document of a customer by making use of customer information of a financial institution.SOLUTION: An information processing device is provided, comprising a transfer acknowledging unit for acknowledging an instruction to execute a cash transfer transaction from a customer, a customer identification information acquisition unit for acquiring identification information of the customer, a transaction execution unit for executing the cash transfer transaction, and an output unit for outputting an execution result of the cash transfer transaction in association with the identification information of the customer.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] In recent years, when using various services, a user may be required to provide identification documents to verify the user's identity. However, since users do not always carry their identification documents with them, technologies have been developed that enable user identification even when the user does not carry their identification documents with them.

[0003] For example, Patent Document 1 discloses a technology for outputting personal identification documents (identification certificates) registered by a user at a management center to a procedure target institution that provides a service. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2004-94884 Summary of the Invention [Problem to be solved by the invention]

[0005] However, from the perspective of user convenience, it is required to print out identification documents using information of already registered users.

[0006] Therefore, the present invention has been made in consideration of the above problems, and an object of the present invention is to provide a new and improved technology that can utilize information on customers of a financial institution to print out customer identification documents. [Means for solving the problem]

[0007] In order to solve the above problem, according to one aspect of the present invention, there is provided an information processing device comprising: a memory unit that stores information on an official document, which is an officially issued identification document of a customer who has opened an account at a financial institution, in association with information on the customer; an identification document generation unit that generates a new identification document for the customer based on the customer information and the information on the official document; and an output unit that outputs the identification document generated by the identification document generation unit based on a request from the customer to output the identification document.

[0008] The output request may include a delivery address set by the customer, and the output unit may transmit the personal identification document to the delivery address set by the customer.

[0009] The memory unit may store information on multiple official documents for the same customer, and the output request may include information on which of the multiple official documents the information on which to generate the identity verification document.

[0010] The information processing device may further include an acquisition unit that acquires, from an information processing terminal operated by the customer, the output request generated based on information input to the information processing terminal.

[0011] The output request may include a facial image of the customer captured by the information processing terminal.

[0012] The storage unit may store information about the official document photographed by the information processing terminal.

[0013] The information processing device may further include an authentication unit that authenticates the customer based on a match between information contained in an official document used in procedures related to the account at the financial institution and information contained in an official document photographed by the information processing terminal, and the memory unit may store information on the official document photographed by the information processing terminal when the customer is authenticated by the authentication unit.

[0014] The personal identification document generation unit may generate the personal identification document including an image of the customer photographed by the information processing terminal.

[0015] The information on the official document may include an image of the official document photographed by the information processing terminal, and the personal identification document generation unit may generate the personal identification document including the image of the official document.

[0016] The information processing terminal may be an automated teller machine.

[0017] The information processing terminal may be a personal computer used by the customer or a mobile terminal carried by the customer.

[0018] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing system comprising: a memory unit that stores information on official documents, which are officially issued identification documents of customers who have opened accounts at financial institutions, in association with information on the customers; an identification document generation unit that generates new identification documents for the customers based on the customer information and the information on the official documents; and an output unit that outputs the identification documents generated by the identification document generation unit based on a request from the customer to output the identification documents.

[0019] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing method executed by a computer, which includes storing information on an official document, which is an officially issued identification document of a customer who has opened an account at a financial institution, in association with information on the customer, generating a new identification document for the customer based on the customer information and the information on the official document, and outputting the generated identification document based on a request from the customer to output the identification document.

[0020] In addition, according to another aspect of the present invention to solve the above problem, a program is provided to function as a memory unit that stores information on official documents, which are officially issued identification documents of customers who have opened accounts at financial institutions, in association with the customer information; an identification document generation unit that generates a new identification document for the customer based on the customer information and the information on the official documents; and an output unit that outputs the identification document generated by the identification document generation unit based on a request from the customer to output the identification document. [Effects of the Invention]

[0021] As described above, according to the present invention, it is possible to utilize information on a financial institution's customers to output identification documents for the customers. [Brief explanation of the drawings]

[0022] [Figure 1] 1 is an explanatory diagram showing the configuration of an information processing system 1 according to an embodiment of the present invention. [Figure 2] 1 is an explanatory diagram showing the internal configuration of an ATM 10 according to an embodiment of the present invention. [Figure 3] FIG. 1 is an explanatory diagram showing the configuration of a host computer 20 according to an embodiment of the present invention. [Figure 4] FIG. 10 is a sequence diagram showing the flow of processing related to the procedure for applying for a service of sending personal identification documents by the information processing system 1 according to one embodiment of the present invention. [Figure 5] FIG. 10 is a diagram showing an example of a display screen displayed on the operation and display unit 12 of the ATM 10 during the procedure for applying for the service of sending personal identification documents. [Figure 6] FIG. 10 is a diagram showing an example of a display screen displayed on the operation and display unit 12 of the ATM 10 during the procedure for applying for the service of sending personal identification documents. [Figure 7] FIG. 10 is a diagram showing an example of a display screen displayed on the operation and display unit 12 of the ATM 10 during the procedure for applying for the service of sending personal identification documents. [Figure 8]FIG. 10 is a diagram showing an example of a display screen displayed on the operation and display unit 12 of the ATM 10 during the procedure for applying for the service of sending personal identification documents. [Figure 9] FIG. 10 is a diagram showing an example of a display screen displayed on the operation and display unit 12 of the ATM 10 during the procedure for applying for the service of sending personal identification documents. [Figure 10] FIG. 10 is a diagram showing an example of a display screen displayed on the operation and display unit 12 of the ATM 10 during the procedure for applying for the service of sending personal identification documents. [Figure 11] FIG. 2 is a sequence diagram showing the flow of processing related to the procedure for using the identity verification document delivery service by the information processing system 1 according to this embodiment. [Figure 12] 10 is a diagram showing an example of a display screen displayed on the operation display unit 12 of the ATM 10 during the procedure for using the personal identification document delivery service. FIG. [Figure 13] 10 is a diagram showing an example of a display screen displayed on the operation display unit 12 of the ATM 10 during the procedure for using the personal identification document delivery service. FIG. [Figure 14] 10 is a diagram showing an example of an identification document C generated by the sending control unit 232. FIG. [Figure 15] FIG. 9 is a diagram showing a hardware configuration of an information processing device 900 according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0023] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant explanations will be omitted.

[0024] <<1. Overview>> In recent years, identification documents to prove one's identity may be required for various services, such as contracting for a line. Officially issued documents such as a driver's license, passport, health insurance card, family register extract, and My Number card are commonly used as identification documents. However, people who do not drive a car on a daily basis may not carry a driver's license. People who do not always carry a driver's license may carry other identification documents in case they use a service that requires identification documents. However, some people feel uneasy about carrying other identification documents such as a passport and My Number card.

[0025] One embodiment of the present invention relates to an information processing device that outputs a customer's identification document based on a request for output of the identification document input by a customer who has opened an account at a financial institution by operating an automated teller machine (ATM). Because the customer submits the identification document when opening the account, the financial institution can verify that the customer who has opened the account is the customer himself / herself. By outputting the customer's identification document based on the operation of the ATM, even if the customer does not have the identification document with them, the identification document can be provided to a service provider that requires the document. In this embodiment, an example will be mainly described in which an identification document delivery service is provided in which the customer's identification document is delivered to a delivery address specified by the customer.

[0026] First, an overview of an information processing system according to this embodiment of the present invention will be described with reference to Fig. 1. Fig. 1 is an explanatory diagram showing the configuration of an information processing system 1 according to one embodiment of the present invention. As shown in Fig. 1, the information processing system 1 according to one embodiment of the present invention includes an ATM 10, a host computer 20, and a network 30. The ATM 10 and the host computer 20 are connected to each other via the network 30 so as to be able to communicate with each other.

[0027] (ATM10) The ATM 10 is an example of an information processing terminal according to this embodiment that executes various transactions and procedures based on operations by a customer U who has opened an account at a financial institution. The ATM 10 is installed in a variety of facilities, such as a branch of a financial institution, a convenience store, a train station, a hotel, a shopping center, a hospital, an amusement park, a restaurant, or an office building.

[0028] The ATM 10 includes an operation display unit 12, a photographing unit 13, a passbook insertion slot 14, a card insertion slot 16, a statement ejection slot 17, a bill slot 18, and a coin slot 19.

[0029] The operation display unit 12 has both a display function that displays a guidance screen for operations by the customer U and an operation detection function that detects operations by the customer U. The display function is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The operation detection function is realized, for example, by a touch panel, and may also include an input function through which the customer U inputs information. For example, the customer U operates the operation display unit 12 to request various procedures, such as applying for and using the identity verification document delivery service. Note that in the following description and drawings, identity verification documents may also be referred to as "identification cards." While FIG. 1 shows an example in which the display function and the operation detection function are integrated into the ATM 10, the display function and the operation detection function may also be configured separately.

[0030] The photographing unit 13 photographs the subject to obtain an image of the subject. For example, the photographing unit 13 photographs the face of the customer U to obtain a facial image of the customer U. Furthermore, when the customer U holds his / her official document in front of the photographing unit 13, the photographing unit 13 photographs the official document to obtain an image of the official document. The official document is an officially issued identification document, and may be, for example, an individual number card, a driver's license, a health insurance card, a passport, a certified copy of a family register, a resident registration card, or the like.

[0031] The passbook insertion slot 14 is an opening for inserting and ejecting the customer U's passbook. The card insertion slot 16 is an opening for inserting and ejecting the customer U's cash card. The statement ejection slot 17 is an opening for ejecting a statement on which transaction details are printed. The banknote slot 18 functions as a deposit slot through which the customer U inserts banknotes and as a withdrawal slot through which banknotes are dispensed to the customer U. The coin slot 19 functions as a deposit slot through which the customer U inserts coins and as a withdrawal slot through which coins are dispensed to the customer U.

[0032] (host computer 20) The host computer 20 is an example of an information processing device and is managed by a financial institution. The host computer 20 communicates with the ATM 10 via a network 30 to control various transactions and procedures.

[0033] For example, the host computer 20 may control the application procedure for the identity verification document delivery service. In the application procedure for the identity verification document delivery service, the host computer 20 may store information on the official documents of the customer U in association with information on the customer U linked to the account of the customer U.

[0034] Furthermore, the host computer 20 may control the procedure for using the identity verification document delivery service. In the procedure for using the identity verification document delivery service, the host computer 20 may generate an identity verification document for the customer based on a request from the customer U to output the identity verification document, which is received from the ATM 10. The host computer 20 may then send the generated identity verification document to a delivery address set by the customer U.

[0035] (Network 30) Network 30 is a wired or wireless transmission path for information transmitted from devices connected to network 30. For example, network 30 may include public line networks such as the Internet, telephone line networks, satellite communication networks, and various LANs (Local Area Networks) including Ethernet (registered trademark), WANs (Wide Area Networks), etc. Further, network 30 may include a dedicated line network such as an IP-VPN (Internet Protocol-Virtual Private Network).

[0036] <<2. Configuration Example>> <Configuration Example of ATM 10> The configuration of the information processing system 1 according to the present embodiment has been described above. Subsequently, the configuration of ATM 10 according to the present embodiment will be described.

[0037] FIG. 2 is an explanatory diagram showing the internal configuration of ATM 10. As shown in FIG. 2, ATM 10 includes an operation display unit 12, a communication unit 110, a card reader unit 120, a passbook reader unit 130, a storage unit 160, and a control unit 180.

[0038] (Operation Display Unit 12) As described with reference to FIG. 1, the operation display unit 12 has both the function of a display unit for displaying a guidance screen for operations by the customer U and the function of an operation detection unit for detecting operations by the customer U. Further, the operation display unit 12 may receive input of information for the host computer 20 to execute a transaction or a procedure. Note that the method for realizing the operation detection function may be a resistive film method or an infrared method.

[0039] (Communication Unit 110) The communication unit 110 transmits and receives various information to the host computer 20 via the network 30. For example, the communication unit 110 transmits to the host computer 20 information for the host computer 20 to execute a transaction or procedure. More specifically, the communication unit 110 may transmit to the host computer 20 an image of the official document of the customer U photographed by the photographing unit 13 during the registration procedure for the identification document delivery service, an image of the customer U's face, etc. Furthermore, the communication unit 110 may transmit information on the delivery address of the identification document entered by the customer U during the procedure for using the identification document delivery service.

[0040] (Card reading unit 120) The card reading unit 120 reads magnetic information recorded on the cash card of the customer U inserted through the card insertion slot 16. The magnetic information may include account information indicating, for example, the customer U's name, account number, account type, etc.

[0041] The passbook reader 130 reads magnetic information from the passbook of customer U inserted through the passbook insertion slot 14. More specifically, the passbook reader 130 reads magnetic information recorded on a magnetic stripe formed on the cover paper of the passbook. The magnetic information may include account information indicating, for example, customer U's name, account number, account type, etc.

[0042] (Storage unit 160) The storage unit 160 is a storage medium that stores various information used for the operation of the ATM 10, and is configured by a hard disk or memory. For example, the storage unit 160 stores programs that the control unit 180 uses to control the operation and display unit 12, the photographing unit 13, the communication unit 110, the card reading unit 120, the passbook reading unit 130, and the like.

[0043] (control unit 180) The control unit 180 controls the overall operation of the ATM 10. For example, the control unit 180 controls the operation of each of the operation and display unit 12, the photographing unit 13, the communication unit 110, the card reading unit 120, and the passbook reading unit 130.

[0044] The control unit 180 also controls the execution of each transaction and each procedure. The control unit 180 also generates various display screens and causes the operation display unit 12 to display the generated display screens.

[0045] <Configuration example of host computer 20> The configuration of the ATM 10 according to this embodiment has been described above. Next, the configuration of the host computer 20 according to this embodiment will be described with reference to FIG.

[0046] 3 is an explanatory diagram showing the configuration of a host computer 20 according to an embodiment of the present invention. As shown in FIG. 3, the host computer 20 according to this embodiment has a communication unit 210, a storage unit 220, and a control unit 230.

[0047] (Communication unit 210) The communication unit 210 communicates various information with other devices. For example, the communication unit 210 receives information for executing a transaction or procedure from the ATM 10. The communication unit 210 also functions as an acquisition unit that acquires a request for output of an identification document from the customer U. The output request may include, for example, the type of document to be used to generate the identification document and information on the destination of the identification document. The communication unit 210 may acquire, from the ATM 10, a facial image captured by the ATM 10 as part of the output request. The communication unit 210 also functions as an output unit that outputs the identification document to the destination set by the customer U based on the acquired output request.

[0048] (Storage unit 220) The storage unit 220 is a storage medium that stores various information used for the operation of the host computer 20, and is configured by a hard disk or memory. For example, the storage unit 220 stores a program that the control unit 230 uses to control the communication unit 210 and the like.

[0049] (Customer Information Management Department 221) The storage unit 220 also has a customer information management unit 221. The customer information management unit 221 stores information about a customer U who has opened an account at a financial institution. The information about the customer U may include, for example, the account information of the customer U and information about official documents of the customer U used in procedures related to the customer U's account.

[0050] The account information of the customer U may include the name information of the customer U, the account number, the account type, and the PIN number associated with the account.

[0051] The procedure related to the account of the customer U may be, for example, the procedure for opening an account or the procedure for changing the registered information of the customer U who opens an account. The registered information of the customer U may be, for example, the name, address, telephone number, etc. of the customer U.

[0052] Official documents used by customer U for account-related procedures are managed by the customer information management unit 221, and therefore such official documents are also referred to as "managed documents" below. Information on the managed documents may include, for example, an image of the managed document or information written on the managed document. The managed document may include, for example, customer U's identification number (for example, My Number if the managed document is a My Number card), name, address, etc.

[0053] Furthermore, the information of customer U may include information that has been changed from the information on the management documents. For example, if the name, address, or the like has been changed from the information on the management documents based on a notification to the financial institution, the customer information management unit 221 may store the changed information.

[0054] Furthermore, the customer information management unit 221 stores the registration status of the customer U regarding the application procedure for the identity verification document delivery service. For example, the customer information management unit 221 stores the registration status of the customer U who has completed the application procedure for the identity verification document delivery service as "registered."

[0055] Furthermore, the customer information management unit 221 stores information used in the identity verification document delivery service for a customer U who has completed the application procedure for the identity verification document delivery service, in association with the information of the customer U. For example, the customer information management unit 221 stores information on official documents used to generate an identity verification document by the delivery control unit 232. Hereinafter, official documents used to generate an identity verification document by the delivery control unit 232 are also referred to as "documents to be used." Information on documents to be used may be acquired based on images of the documents to be used photographed by the ATM 10 and acquired by the communication unit 210.

[0056] The information on the usage document may include, for example, an image of the usage document or information written on the usage document. The usage document may include, for example, the customer U's identification number (e.g., My Number if the usage document is a My Number card), name, address, etc.

[0057] The customer information management unit 221 may store information on a plurality of usage documents of the customer U. More specifically, the customer information management unit 221 may store information on a plurality of usage documents of different types of the customer U.

[0058] Furthermore, the customer information management unit 221 may store, in association with the customer U's information, a facial image of the customer U captured by the ATM 10 after the application procedure for the service of sending personal identification documents has been completed.

[0059] (control unit 230) The control unit 230 controls the overall operation of the host computer 20. In particular, the control unit 230 according to an embodiment of the present invention has the functions of a registration control unit 231 and a sending control unit 232.

[0060] (Registration control unit 231) The registration control unit 231 processes the application procedure for the identity verification document delivery service and registers the customer U as a user of the identity verification document delivery service. More specifically, the registration control unit 231 functions as an authentication unit that authenticates the customer U by comparing information contained in an image of the official document of the customer U received from the ATM 10 with information in the management document. Note that, hereinafter, the official document photographed by the ATM 10 and used for comparison with information in the management document is also referred to as a "verification document."

[0061] The registration control unit 231 also stores the information on the official document represented by the image of the official document received by the communication unit 210 at the ATM 10 as information on the document to be used in the customer information management unit 221, linking it to the account information of the customer U. The details of the procedure for applying for the identity verification document delivery service will be described later.

[0062] (Sending control unit 232) The sending control unit 232 processes the procedure for using the identity verification document sending service and generates an identity verification document for customer U based on a request from the customer. For example, the sending control unit 232 may function as an identity verification document generation unit that generates an identity verification document including the information of customer U stored in the registration control unit 231, a facial image of customer U, and an image of the document used. The sending control unit 232 then controls the communication unit 210 to send the generated identity verification document to the destination set by customer U. The procedure for using the identity verification document sending service will be described in detail later.

[0063] <<3. Operational Processing Example>> The configuration of each device according to this embodiment of the present invention has been described above. Next, an example of the operation and processing of the information processing system 1 according to this embodiment will be described.

[0064] <3-1. Procedure for applying for the identity verification document delivery service> First, the process flow for applying for the identity verification document delivery service by the information processing system 1 will be described with reference to Fig. 4. Fig. 4 is a sequence diagram showing the process flow for applying for the identity verification document delivery service by the information processing system 1 according to this embodiment. Here, the process flow for applying for the identity verification document delivery service will be described with further reference to Figs. 5 to 10. Figs. 5 to 10 are diagrams showing examples of display screens displayed on the operation display unit 12 of the ATM 10 during the application process for the identity verification document delivery service.

[0065] First, the operation display unit 12 of the ATM 10 accepts the selection of an application for an identification document delivery service (identification card delivery service) by the customer U (S101). More specifically, the selection of the application for the identification card delivery service may be accepted by the customer U pressing the identification card delivery service selection button SB on the display screen D1 shown in Fig. 5 and then pressing the application button AB on the display screen D2 to which the screen is transitioned.

[0066] When the selection of application for the identification card delivery service is accepted, the operation display unit 12 may display a display screen D3, which is a guide screen for the identification card delivery service, as shown in Fig. 6. The display screen D3 includes an explanation of the service contents of the identification card delivery service.

[0067] Next, the ATM 10 acquires authentication information of the customer U (S102). For example, the ATM 10 may acquire the following authentication information: account information of the customer U read from the customer U's cash card inserted into the card slot 16 or the customer U's passbook inserted into the passbook slot 14; a personal identification number (PIN) entered by the customer U into the operation and display unit 12; and the customer U's name entered by the customer U into the operation and display unit 12. Here, an example in which the customer U's name is entered is described to enhance security, but it is sufficient if at least the PIN and account number are acquired. However, the authentication information is not particularly limited, and may include biometric information of the customer U, such as a fingerprint, read by the ATM 10. If the customer U's biometric information is read, the reading of the cash card and passbook and the input of the PIN may be omitted.

[0068] Display screen D4 shown in FIG. 7 is a display screen that prompts customer U to insert their cash card or passbook into card insertion slot 16 or passbook insertion slot 14. When customer U's cash card or passbook is inserted into card insertion slot 16 or passbook insertion slot 14, display screen D4 changes to display screen D5, and customer U is asked to enter their PIN. Customer U enters their PIN by operating input key K1. Then, when the PIN is entered, display screen D5 changes to display screen D6, and customer U is asked to enter their name. Customer U enters their name by operating input key K2.

[0069] Next, the communication unit 110 of the ATM 10 transmits the acquired authentication information to the host computer 20 (S103). The control unit 230 of the host computer 20 performs authentication based on whether the authentication information acquired from the ATM 10 matches the account information of customer U stored in the customer information management unit 221 (S104). Then, the communication unit 210 of the host computer 20 transmits the authentication result and the type of management document of customer U, the information of which is stored in the sending control unit 232, to the ATM 10 (S105). The following describes the processing when authentication is successful.

[0070] If the authentication is not successful, the application procedure for the identity verification document delivery service is terminated. Even if the authentication is successful, if the customer U does not meet the conditions, such as if the customer U's account has been disabled for some reason, the application procedure for the identity verification document delivery service may be terminated.

[0071] The photographing unit 13 of the ATM 10 photographs the document for verification to obtain an image of the document for verification (S106). Here, the operation display unit 12 may display a selection screen for the type of administrative document received from the host computer 20 as the type of official document that can be accepted as the document for verification.

[0072] Display screen D7 shown in FIG. 8 is an example of a display screen displayed on the operation display unit 12 when authentication is successful in step S105. As shown in display screen D7, even when authentication is successful, the customer U may be asked to confirm their name again. When the contents of display screen D7 are confirmed by the customer U, display screen D7 transitions to display screen D8. Display screen D8 displays the types of management documents received from the host computer 20 as types of official documents that can be accepted as verification documents (certificates for reconfirmation). Here, examples are shown in which the types of management documents are "resident registration card," "My Number card," and "health insurance card." Note that, although an example is shown in which the management documents are official documents used when opening an account, the management documents may also be official documents used in other procedures related to the account.

[0073] When the type of official document to be used as the verification document is selected by the customer U, the display screen D8 transitions to the display screen D9. The display screen D9 is a display screen that displays instructions to the customer U to hold the verification document in front of the photographing unit 13. The photographing unit 13 photographs the verification document that is held in front of the photographing unit 13.

[0074] The photographing unit 13 of the ATM 10 photographs the face of the customer U to obtain a facial image of the customer U (S107). A display screen D10 shown in FIG. 9 is a display screen that displays an instruction to the customer U to stand in front of the ATM 10 (i.e., in front of the photographing unit 13). The photographing unit 13 photographs the face of the customer U standing in front of the photographing unit 13. In this way, by requiring the customer U to have his / her facial image photographed, fraudulent use by a third party who attempts to use the identification document delivery service by falsely representing himself / herself as the customer U using a fraudulently obtained cash card, official document, etc. is suppressed. This is because such a third party is expected to be reluctant to have his / her facial image photographed, which could serve as evidence of his / her fraudulent use.

[0075] The communication unit 210 of the ATM 10 transmits the acquired image of the verification document and the facial image of customer U to the host computer 20 (S108). The communication unit 210 of the ATM 10 may transmit this information to the host computer 20 as part of an output request.

[0076] Next, the registration control unit 231 of the host computer 20 compares the information on the management document of customer U stored in the customer information management unit 221 with the information on the verification document received from the ATM 10, and also compares the facial image included in the management document of customer U stored in the customer information management unit 221 with the facial image of customer U received from the ATM 10 (S109).

[0077] The registration control unit 231 may determine by image recognition whether an image of the management document of customer U stored in the customer information management unit 221 matches an image of the verification document received from the ATM 10. Alternatively, the registration control unit 231 may recognize characters in the image of the verification document received from the ATM 10 to read the information, and determine whether the read information matches the information on the management document of customer U stored in the customer information management unit 221. If the customer information management unit 221 contains information that has been changed from the information on the management document, the registration control unit 231 may determine whether the information matches the information recognized from the image of the verification document. By performing this type of verification, the information of customer U stored by the financial institution can be used to execute procedures for the identity verification document delivery service.

[0078] Furthermore, the registration control unit 231 determines whether the face image included in the management document of customer U stored in the customer information management unit 221 and the face included in the facial image of customer U received from the ATM 10 are the same person. Note that if the management document of customer U does not include a facial image, this process may be skipped.

[0079] Furthermore, the registration control unit 231 stores the facial image of the customer U captured by the ATM 10 in the customer information management unit 221 in association with the information of the customer U.

[0080] The registration control unit 231 can prevent fraudulent application procedures for the identity verification document delivery service by comparing the information on the management document of the customer U with the information on the verification document received from the ATM 10. Furthermore, since the information on the management document is information that has traditionally been managed by financial institutions, such a configuration can be easily realized.

[0081] The communication unit 210 of the host computer 20 transmits the result of the matching by the registration control unit 231 to the ATM 10 (S110). The following describes the process when the matching is successful. If the matching is not successful, the procedure for applying for the identity verification document delivery service ends.

[0082] Next, the photographing unit 13 of the ATM 10 photographs the user document to be used for generating the personal identification document and acquires an image of the user document (S111). Here, the operation display unit 12 may display the types of official documents that can be accepted as the user document, and allow the customer U to select which type of official document to use as the user document.

[0083] The display screen D11 shown in Fig. 10 displays the types of official documents that can be accepted as documents to be used (registration certificates). There are no particular limitations on the types of official documents that can be accepted as documents to be used. Here, an example is shown in which the types of official documents that can be accepted as documents to be used are "resident registration certificate," "My Number card," and "health insurance card."

[0084] When the customer U selects the type of official document to be used as the transaction document, the display screen D11 transitions to the display screen D12. The display screen D12 is a display screen that displays instructions to the customer U to hold the transaction document in front of the photographing unit 13. The photographing unit 13 photographs the transaction document held in front of the photographing unit 13. As shown on the display screen D12, an image of the transaction document may be sent to the host computer 20 from a mobile terminal such as a smartphone or a PC (personal computer) that will be used later by the customer U. Alternatively, the customer U may mail a copy of the transaction document to the financial institution, and the financial institution's staff member who receives the copy may store the image of the transaction document in the customer information management unit 221. This eliminates the need for the customer U to carry the transaction document, thereby improving security.

[0085] When the document to be used is photographed by the photographing unit 13, the display screen D12 transitions to the display screen D13. The display screen D13 is a display screen indicating that the photographing of the document to be used has been completed. Here, the customer U may press the consecutive registration button RB included in the display screen D13, thereby further executing a process for acquiring an image of a document to be used other than the document to be already photographed. When the consecutive registration button RB is pressed, the display screen D13 transitions back to the display screen D11, thereby executing a process for acquiring a document to be used other than the document to be already photographed. Here, the display on the display screen D11 may be controlled so that the types of official documents that can be accepted as document to be used do not include the types of document to be used that have already been photographed. By executing the process in this manner, images of multiple documents to be used are acquired.

[0086] The communication unit 110 of the ATM 10 transmits the image of the usage document photographed by the photographing unit 13 to the host computer 20 (S112). If multiple images of the usage document are photographed, the communication unit 210 of the ATM 10 transmits the images of the multiple usage documents to the host computer 20.

[0087] The registration control unit 231 of the host computer 20 associates the image of the usage document received from the ATM 10 with information about the customer U and stores it in the customer information management unit 221 (S113). When multiple images of usage documents are received, the registration control unit 231 associates the images of the multiple usage documents with the information about the customer U. Note that, although an example in which the image of the usage document is stored in association with the information about the customer U has been described here, characters included in the image of the usage document may also be recognized and stored as information about the usage document.

[0088] Furthermore, the registration control unit 231 stores the registration status of customer U as registered with the identification card delivery service in the customer information management unit 221. Note that if customer U's transaction history does not meet certain conditions, such as if customer U's account has not been used since it was opened, the application for the identification card delivery service may be rejected. In this case, customer U's registration status stored in the customer information management unit 221 continues to be managed as not registered with the identification card delivery service, and images of the documents used do not need to be stored.

[0089] Furthermore, if the same official document as the verification document is used as the document to be used, steps S111 and S112 may be omitted. In this case, the verification document obtained in step S106 may be stored in step S113.

[0090] <3-2. Procedures for using the identity verification document delivery service> Next, the process flow for the procedure for using the identity verification document delivery service by the information processing system 1 will be described with reference to Fig. 11. Fig. 11 is a sequence diagram showing the process flow for the procedure for using the identity verification document delivery service by the information processing system 1 according to this embodiment. Here, the process flow for using the identity verification document delivery service will be described with further reference to Fig. 5 and Figs. 12 to 14. Figs. 12 and 13 are diagrams showing examples of display screens displayed on the operation display unit 12 of the ATM 10 during the procedure for using the identity verification document delivery service.

[0091] First, the operation display unit 12 of the ATM 10 accepts the selection of the customer U to use the identification document delivery service (identification card delivery service) (S201). More specifically, the customer U may press the identification card delivery service selection button SB on the display screen D1 shown in Fig. 5, and then the customer U may press the issue button IB on the display screen D2 to which the screen is transitioned, thereby accepting the selection of the identification document delivery service (i.e., application for issuance of an identification document).

[0092] Next, the ATM 10 acquires authentication information of the customer U (S202). The communication unit 110 of the ATM 10 transmits the acquired authentication information to the host computer 20 (S203). The control unit 230 of the host computer 20 performs authentication based on whether the authentication information acquired from the ATM 10 matches the account information of the customer U stored in the customer information management unit 221 (S204). Steps S202 to S204 may be executed in the same manner as steps S102 to S104 described using the sequence diagram of FIG. 4.

[0093] The communication unit 210 of the host computer 20 transmits the authentication result and the type of document used by the customer U, the information of which is stored in the sending control unit 232, to the ATM 10 (S205). The following describes the process when authentication is successful.

[0094] If the authentication is not successful, the procedure for using the identity verification document delivery service is terminated. Also, even if the authentication is successful, if the registration status for the identity verification document delivery service is "unregistered," the procedure for using the identity verification document delivery service may be terminated.

[0095] Next, the operation display unit 12 of the ATM 10 accepts the selection of a user document to be used for creating an identity verification document (S206). Note that if only one user document is registered for the customer U, step S206 may be skipped.

[0096] The display screen D14 shown in FIG. 12 displays the types of documents to be used whose information is stored in the customer information management unit 221. Here, an example is shown in which the types of documents to be used whose information is stored in the customer information management unit 221 are "resident certificate," "My Number card," and "health insurance card." By selecting the type of document to be used included in the display screen D14, the customer U selects the document to be used to create the identity verification document. The customer U can select the document to be used that is required by the service to which the identity verification document is to be sent, which requires the identity verification document. The type of document to be used is an example of information on which of multiple official documents the information of which is to be used to create the identity verification document.

[0097] Next, the operation display unit 12 of the ATM 10 accepts input of information on the destination of the personal identification document (S207). The communication unit 110 of the ATM 10 transmits an output request including the type of document to be used accepted by the operation display unit 12 and the destination information to the host computer 20 (S208). The destination information may include, for example, an email address to which the personal identification document is to be sent. The destination information may also include a date and time for sending the personal identification document.

[0098] Display screen D15 shown in Fig. 13 is a display screen for inputting the email address of the destination of the identity verification document. The customer U inputs the email address of the destination of the identity verification document by operating input key K3. Then, when the email address of the destination of the identity verification document is input, display screen D15 transitions to display screen D16, and the customer U is asked to confirm the email address of the destination of the identity verification document.

[0099] When the customer U confirms the email address to which the identification documents will be sent, the display screen D16 transitions to display screen D17, which prompts the customer U to enter the date on which the identification documents will be sent. The customer U operates input key K4 to enter the date on which the identification documents will be sent. This allows the customer U to send a request to output the identification documents in advance to coincide with the date on which the identification documents will be used. Note that while an example is shown here in which the customer U is prompted to enter the date on which the identification documents will be sent, the customer U may also specify a time for sending the identification documents. The customer U may also specify that the identification documents be sent immediately by pressing the immediate send button IB included in the display screen D17.

[0100] When the customer U inputs the date for sending the identification document or presses the immediate send button IB, the display screen D17 transitions to the next display screen. FIG. 13 shows an example in which the display screen D18 is displayed as a result of the input of the date for sending the identification document. The display screen D18 indicates that the identification document will be sent to the destination email address input by the customer U on the date specified by the customer U. Note that when the immediate send button IB on the display screen D17 is pressed, after the host computer 20 executes the identification document, the display screen D17 may transition to a display screen indicating that the sending of the identification document has been completed.

[0101] Next, the sending control unit 232 of the host computer 20 generates an identity verification document based on the output request (S209). The sending control unit 232 generates an identity verification document based on the information on the customer U's usage document that corresponds to the type of usage document included in the output request.

[0102] 14 is a diagram showing an example of the personal identification document C generated by the sending control unit 232. The personal identification document C includes an image RC of the usage document included in the output request, information I of the customer U, and a facial image P of the customer U. The image RC of the usage document included in the output request, information I of the customer U, and facial image P of the customer U are stored in the customer information management unit 221 in association with each other.

[0103] Here, an example has been described in which the identification document C includes an image RC of the usage document included in the output request, information I of the customer U, and an image P of the customer U's face. However, the information included in the identification document C is not particularly limited, and it may include at least one of the image RC of the usage document included in the output request and the information I of the customer U. The information of the usage document included in the image RC of the usage document may also be included. The name of the type of usage document (My Number card, health insurance card, etc.) may also be included. The information to be included in the identification document C may be selected by the customer U operating the operation display unit 12 of the ATM 10. This allows the customer U to select only the information required for the service to which the output is directed, thereby improving safety and convenience.

[0104] Furthermore, the sending control unit 232 may mask personal information included in the image RC of the usage document to generate the identification document C. For example, if the image RC of the usage document is a My Number card, the My Number of the customer U may be masked. This reduces the risk of the personal information of the customer U being leaked.

[0105] 14, the sending control unit 232 may generate the identity verification document C by including the name of the financial institution that provides the identity verification document sending service. This allows the service provider to which the identity verification document C is to be sent to trust the information in the identity verification document C and verify the customer U.

[0106] Next, the sending control unit 232 of the host computer 20 controls the communication unit 210 to send the generated personal verification document to the destination included in the output request (S210).

[0107] According to the information processing system 1 described above, even if customer U does not carry identification documents, he or she can issue identification documents using ATMs 10 installed in various locations such as convenience stores, thereby improving convenience for customer U.

[0108] Furthermore, customer U only needs to present his / her identity verification documents to highly reliable financial institutions that already have the identity verification document information, so he / she can use the identity verification document delivery service with peace of mind.

[0109] Furthermore, by being able to select the document to be used to generate the identity verification document from among multiple documents, customer U can flexibly use the identity verification document sent by the identity verification document sending service in various situations. For example, if a health insurance card is needed when rushed to the hospital due to a disaster or accident, the customer U can provide the health insurance card information to the hospital by selecting the insurance card as the document to be used and using the identity verification document sending service to meet the recipient's requirements.

[0110] <<4. Hardware configuration example>> Next, an example of the hardware configuration of the ATM 10 and the host computer 20 according to the embodiment of the present invention will be described.

[0111] An example of the hardware configuration of the information processing device 900 will be described below as an example of the hardware configuration of the ATM 10 and the host computer 20 according to the embodiment of the present invention. Note that the example of the hardware configuration of the information processing device 900 described below is merely an example of the hardware configuration of the ATM 10 and the host computer 20. Therefore, the hardware configuration of the ATM 10 and the host computer 20 may be such that unnecessary components are deleted from the hardware configuration of the information processing device 900 described below, or new components are added.

[0112] 15 is a diagram showing the hardware configuration of an information processing device 900 according to an embodiment of the present invention. The information processing device 900 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, and a communication device 911.

[0113] The CPU 901 functions as an arithmetic processing unit and control unit, and controls the overall operation of the information processing device 900 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, etc. The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, etc. These are interconnected by a host bus 904 that is composed of a CPU bus, etc.

[0114] The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 905. It is not necessary to configure the host bus 904, bridge 905, and external bus 906 separately, and these functions may be implemented on a single bus.

[0115] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers that allow the user to input information, and an input control circuit that generates an input signal based on the user's input and outputs it to the CPU 901. By operating this input device 908, the user operating the information processing device 900 can input various data to the information processing device 900 and instruct the information processing device 900 to perform processing operations.

[0116] The output device 909 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, or a lamp, and an audio output device such as a speaker.

[0117] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, and a deletion device for deleting data recorded on the storage medium. The storage device 910 is configured, for example, with an HDD (Hard Disk Drive). This storage device 910 drives a hard disk and stores programs executed by the CPU 901 and various data.

[0118] The communication device 911 is, for example, a communication interface configured with a communication device for connecting to a network, etc. The communication device 911 may be compatible with either wireless communication or wired communication.

[0119] The above describes an example of the hardware configuration of the ATM 10 and the host computer 20 according to the embodiment of the present invention.

[0120] <<5. Supplementary Information>> Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0121] For example, in the above embodiment, the ATM 10 accepts applications for the identity verification document delivery service and procedures for using the identity verification document delivery service, but the present invention is not limited to such an example. The application for the identity verification document delivery service may be applied for as one of the services to be used for the account opened by the customer U during the account opening procedure.

[0122] In addition, the application for and the procedure for using the ID document delivery service may be accepted through an online banking function using a PC used by customer U or a mobile device such as a smartphone carried by customer U. The PC and mobile device are examples of information processing terminals. In this case, the PC or smartphone, like ATM 10, accepts input of various information, acquires images of customer U's face and official documents, and transmits the various information and images to host computer 20. When the PC or smartphone accepts the application for registration for and the procedure for using the ID document delivery service, the financial institution may verify that the person performing the procedure is customer U. Verification of the person performing the procedure may be by requesting the user to enter a security code sent to the phone number or email address associated with the account, or by clicking a URL (Uniform Resource Locator) sent to the phone number or email address. This improves security when the ID document delivery service is used without a cash card or passbook.

[0123] Although the above embodiment describes an example in which the identification document is sent to an email address specified by the customer U, the output of the identification document is not limited to this example. For example, the identification document may be sent from the host computer 20 to the ATM 10, and a printed version of the identification document may be ejected from the statement ejection port 17 of the ATM 10. The identification document may also be output from the host computer 20 so that it can be printed by a multi-copy machine installed in a convenience store or the like. The host computer 20 may also output the identification document to a web page. In this case, the host computer 20 may issue a dedicated URL and access code for accessing the web page and present the access code to the customer U via the ATM 10. The customer U may then submit the URL and access code to a provider of a service that requires the identification document, allowing the provider to access the identification document.

[0124] It is also possible to create one or more computer programs for implementing the functions of the ATM 10 or the host computer 20. Also provided is a computer-readable storage medium having stored thereon one or more computer programs. [Explanation of symbols]

[0125] 1. Information Processing Systems 10 ATM 12 Operation display section 13 Photography Department 110 Communications Department 160 Storage section 180 Control Unit 20 Host Computer 210 Communications Department 220 Storage section 221 Customer Information Management Department 230 Control Unit 231 Registration control section 232 Sending control section 30 Network

Claims

1. a storage unit that stores information on official documents, which are officially issued identification documents, of customers who have opened accounts at financial institutions in association with the customer information; an identification document generation unit that generates a new identification document for the customer based on the customer information and the information on the official document; an output unit that outputs the personal identification document generated by the personal identification document generation unit based on a request from the customer to output the personal identification document; An information processing device comprising:

2. the output request includes a delivery address set by the customer; The information processing device according to claim 1 , wherein the output unit transmits the personal identification document to a delivery address set by the customer.

3. The storage unit stores information on a plurality of official documents for the same customer, the output request includes information on which of the plurality of official documents the identity verification document is to be generated based on information on; The information processing device according to claim 1 .

4. The information processing device according to any one of claims 1 to 3, further comprising an acquisition unit that acquires the output request generated based on information input to the information processing terminal from an information processing terminal operated by the customer.

5. The information processing device according to claim 4 , wherein the output request includes a facial image of the customer photographed by the information processing terminal.

6. The information processing device according to claim 4 , wherein the storage unit stores information about the official document photographed by the information processing terminal.

7. The information processing device further includes an authentication unit that authenticates the customer based on a match between information included in an official document used in a procedure related to the account at the financial institution and information included in the official document photographed by the information processing terminal, The information processing device according to claim 6 , wherein the storage unit stores information on an official document photographed by the information processing terminal when the customer is authenticated by the authentication unit.

8. The information processing device according to claim 4 , wherein the personal identification document generation unit generates the personal identification document including a facial image of the customer photographed by the information processing terminal.

9. the information on the official document includes an image of the official document photographed by the information processing terminal; the personal identification document generation unit generates the personal identification document including an image of the official document; The information processing device according to claim 4 .

10. The information processing device according to claim 4, wherein the information processing terminal is an automated teller machine.

11. 5. The information processing device according to claim 4, wherein the information processing terminal is a personal computer used by the customer or a portable terminal carried by the customer.

12. a storage unit that stores information on official documents, which are officially issued identification documents, of customers who have opened accounts at financial institutions in association with the customer information; an identification document generation unit that generates a new identification document for the customer based on the customer information and the information on the official document; an output unit that outputs the personal identification document generated by the personal identification document generation unit based on a request from the customer to output the personal identification document; An information processing system comprising:

13. Storing information on official documents, which are officially issued identification documents, of customers who have opened accounts at financial institutions in association with information on the customers; generating a new identity verification document for the customer based on the customer information and the information on the official document; outputting the generated identification document based on a request from the customer to output the identification document; 2. A computer-implemented information processing method, comprising:

14. a storage unit that stores information on official documents, which are officially issued identification documents, of customers who have opened accounts at financial institutions in association with the customer information; an identification document generation unit that generates a new identification document for the customer based on the customer information and the information on the official document; an output unit that outputs the personal identification document generated by the personal identification document generation unit based on a request from the customer to output the personal identification document; A program to function as a

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