Information processing device, information processing method, and program

Abstract

To provide an information processing device capable of improving user convenience in an identity verification procedure.SOLUTION: An information processing device comprises input means to input the information about the documents used by users to verify their identity, determination means, and confirmation means to perform the identity verification with the method determined by the determination means, where the determination means decides which method to take from the multiple methods including the method to perform the identity verification using the user image obtained by capturing the user according to the information input by the input means and the method to perform identity verification by reading the information stored in a storage part of identity verification documents with reading means without using the user image obtained by capturing the user.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] Patent Document 1 discloses a system for authenticating an identity using an identification document selected by a customer in a transaction with a financial institution, etc. It discloses a method for authenticating an identity by comparing a scanned photograph of the identification document with a photograph of the customer taken with a camera. Meanwhile, the method for verifying the identity of a customer, etc., prescribed under the Act on Prevention of Transfer of Criminal Proceeds prescribes necessary requirements depending on the type of identification document used. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2021-43512 A DISCLOSURE OF THE INVENTION [Problem to be solved by the invention]

[0004] In the method of Patent Document 1, regardless of which identity verification document is used, the photograph of the identity verification document is compared with the photograph taken, but there are other methods of identity verification that can be used depending on the combination of the procedure carried out by the business operator and the identity verification document brought by the customer. Therefore, the method of Patent Document 1 may not necessarily be convenient for users.

[0005] Therefore, an object of the present invention is to provide a method for improving user convenience in identity verification procedures. [Means for solving the problem]

[0006] This information processing device is characterized by comprising: an input means for inputting information regarding a document used by a service user to carry out identity verification procedures required by a service provider; a determination means for determining, according to the information input by the input means, whether to perform identity verification using a first document by reading information electronically stored in a memory unit of the identity verification document using a reading means and to perform identity verification using an image obtained by photographing the user's face, and whether to perform identity verification using a second document different from the first document by reading information electronically stored in a memory unit of the identity verification document using a reading means without using an image obtained by photographing the user; and a verification means for performing identity verification using the method determined by the determination means. [Effects of the Invention]

[0007] According to the present invention, it is possible to improve the convenience of users in identity verification. [Brief explanation of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating a configuration of an information processing system for identity verification according to an embodiment. [Figure 2] FIG. 1 is a block diagram illustrating an example of a hardware configuration of an information processing apparatus according to an embodiment. [Figure 3] FIG. 2 is a block diagram illustrating a functional unit of a server according to an embodiment. [Figure 4] FIG. 2 is a flowchart showing the flow of information processing according to the embodiment. [Figure 5] FIG. 2 is a flowchart showing the flow of information processing according to the embodiment. [Figure 6] FIG. 10 is a schematic diagram illustrating an example of a screen display of a customer terminal of the information processing apparatus according to the embodiment. [Figure 7] FIG. 10 is a schematic diagram illustrating an example of a screen display of a customer terminal of the information processing apparatus according to the embodiment. [Figure 8] FIG. 10 is a schematic diagram illustrating an example of a screen display of a customer terminal of the information processing apparatus according to the embodiment. [Figure 9]FIG. 10 is a schematic diagram illustrating an example of a screen display of a customer terminal of the information processing apparatus according to the embodiment. [Figure 10] FIG. 10 is a schematic diagram illustrating an example of a screen display of a customer terminal of the information processing apparatus according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. In each drawing, similar components are designated by the same reference numerals, and redundant description of components that have already been described may be omitted.

[0010] Fig. 1 is a diagram showing an example of the configuration of an information processing system according to an embodiment. In Fig. 1, the information processing system 100 includes a transaction device 1 of a customer terminal, a server 2 of a financial institution or the like, an operator terminal 3 provided in an operator center 30 of the financial institution or the like, and a communication network 4 (such as the Internet) that connects the devices linked thereto so that they can communicate with each other.

[0011] The transaction device 1 is a customer-side terminal installed in an unmanned store or the like. This transaction device 1 can be operated by a customer (user) and has a function of providing on-screen and audio guidance on the customer's operation details and procedures. Furthermore, when the financial institution has completed the screening and the transaction conditions are met, the transaction device 1 has a function of issuing a transaction card and printing a contract in response to a command (transaction permission command) sent from the server 2. In the example shown in FIG. 1 , the customer-side automated transaction device 1 is an example of an information processing device of this embodiment and includes a customer terminal 11 operated by the customer, a reader 12 for scanning the customer's identification document by image, a camera 13 for taking a photograph of the customer's face, and a touch pen 14 for the customer to operate and input information. In this embodiment, the customer terminal 11 is a tablet-type device that displays instructions and notices for the customer on a touch panel 210 and accepts input operations performed by the customer by touching the touch panel 210 with the touch pen 14. The customer follows the instructions displayed on the customer terminal 11 and the audio guidance to place the transaction application documents and identification documents in a position where they can be read by the reader 12, or to take a photograph using the camera 13. The customer also uses a touch pen 14 to touch the display screen of the customer terminal 11 to input necessary information into the automated teller machine 1. While a touch pen is used as the input means in this embodiment, the input means does not have to be a touch pen; an input device such as a keyboard can also be used. The reader 12 has the function of reading information stored in an IC chip, which is the memory unit of a My Number card or driver's license, placed on its top surface. In addition, there is a slit in the center of the body in the height direction, and by inserting a financial institution's cash card into this slit, the information stored in the magnetic memory unit or IC chip of the cash card can be read.

[0012] FIG. 2 is a block diagram showing an example of the hardware configuration of the customer terminal 11, which is an example of the information processing device of this embodiment.

[0013] As shown in FIG. 2, the information processing device includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, a storage device 204, an input controller 205, an audio controller 206, a video controller 207, a memory controller 208, and a communication I / F controller 209, which are connected via a system bus 200.

[0014] The CPU 201 controls all devices and controllers connected to the system bus 200 .

[0015] ROM202 or external memory 213 stores the BIOS (Basic Input / Output System) and OS (Operating System), which are control programs executed by CPU201, computer-readable and executable programs for realizing the information processing method of this embodiment, and various necessary data (including data tables).

[0016] The RAM 203 functions as a main memory, a work area, etc. for the CPU 201. The CPU 201 loads programs and the like required for executing processing from the ROM 202 or the external memory 213 into the RAM 203, and executes the loaded programs to realize various operations.

[0017] The input controller 205 controls input from input devices such as a touch panel 210, a keyboard, and a pointing device such as a mouse (not shown). When the input device is the touch panel 210 as in this embodiment, the customer can give various instructions by pressing (using the touch pen 14, a finger, or the like) icons, cursors, or buttons displayed on the touch panel 210.

[0018] The touch panel may also be a touch panel capable of detecting positions touched by multiple fingers, such as a multi-touch screen.

[0019] The video controller 207 controls display on an external output device such as a display 212. The customer terminal 11 is a tablet type whose main body is integrated with a touch panel display, and is equipped with a built-in display, but can also be connected to an external display / projector. It may also be a device in which the display and main body are integrated, like a notebook computer. Furthermore, for devices that can accept the above-mentioned touch operations, the video controller 207 also controls output to the touch panel 210.

[0020] The video controller 207 can control a video memory (VRAM) for display control, and can use part of the RAM 203 as a video memory area, or can provide a separate dedicated video memory.

[0021] The memory controller 208 controls access to the external memory 213. The external memory may be an external storage device (hard disk) that stores a boot program, various applications, font data, user files, edited files, and various data, a flexible disk (FD), or a CompactFlash (registered trademark) memory connected to a PCMCIA card slot via an adapter.

[0022] The communication I / F controller 209 connects and communicates with external devices via a network or the like, and executes communication control processing on the network. For example, communication using TCP / IP, telephone lines such as ISDN, and 4G and 5G mobile phone lines are possible. In addition to supporting wireless connection methods such as Bluetooth and having the function of connecting and communicating with external input / output devices, communication is also possible via a USB connection. In this embodiment, the reading device 12 is connected wirelessly or wired via this communication I / F controller 209. Connection to the communication network 4 is achieved through the function of this communication I / F controller 209.

[0023] The image input controller 215 controls access to the camera 13. It also controls the process of inputting a customer's facial photograph taken by the camera 13. The customer terminal 11 has a built-in camera 13, but it also functions in the same way for an external camera.

[0024] The CPU 201 enables display on the display 212 by, for example, executing a process of expanding (rasterizing) an outline font into a display information area in the RAM 203. The CPU 201 also enables user instructions using a mouse cursor (not shown) on the display 212.

[0025] 1 again, the operator center 30 is provided with an operator terminal 3 that is connected to the automated transaction apparatus 1, which is a customer terminal, and the server 2 via a communication network 4, and is capable of sending and receiving information. The operator can provide help to the user as needed through this operator terminal 3. For example, when a user enters an inquiry message in the help field, the operator can provide text help or a voice response.

[0026] The server 2 can access the Local Public Entity Information Systems Agency's system 6 via an external relay server 5 and authenticate the PIN number of the Nine Number card.

[0027] Next, the server 2 will be described with reference to Fig. 3. Fig. 3 is a block diagram for explaining the functions of the server 2. The server 2 has a control unit 21, a customer information database 22 and a database control unit 23 that controls the database 22, an application control unit 24, and a line connection control unit 29 for communicating with the outside world via the communication network 4. The server 2 has a processor and memory as hardware for making these functions function.

[0028] The application control unit 24 has the function of controlling the face authentication processing unit 25, the identity verification result processing unit 26, the identity authentication processing unit 27, and the business transaction processing unit 28. The face authentication processing unit 25 has the function of automatically performing identity authentication using the image of the person's face photograph stored in the IC chip transmitted from the customer terminal 11 via the communication network 4 and the face photograph captured by the camera 13. The identity verification result processing unit 26 has the function of recognizing the information stored in the IC chip of the identity verification document transmitted from the reader 12 via the communication network 4. The identity authentication processing unit 27 has the function of automatically performing identity authentication using the identity information transmitted from the customer terminal 11 via the communication network 4. In the case of a My Number card, the identity information includes a signature electronic certificate stored in the IC chip. In the case of a driver's license, the identity information includes the identity photograph stored in the IC chip. Details of this automatic identity authentication will be described later. The business transaction processing unit 28 has the function of performing business transactions, such as opening an account, at the transaction device 1 via the communication network 4. The control unit 21 has the control function for executing these processing operations.

[0029] Next, a transaction operation using the client terminal 11 in the embodiment will be described with reference to Figures 4 to 10. Figure 4 shows the operation flow of the embodiment, and Figure 4 is a flow chart showing in detail a part of the operation of the process. Note that, unless otherwise specified, each step shown in the flow chart of the embodiment below is executed by the CPU 201 of the client terminal 11 controlling each of the controllers 205 to 209 and 215 in accordance with a program stored in the ROM 203.

[0030] In the embodiment, a transaction between a customer and a financial institution (for example, opening an account or changing a cash card PIN) is initiated when the customer performs an operation for the transaction on a transaction device 1 installed at the front of a staffed store, in a booth in a predetermined area, or in a room. Since the store is staffed, a person from the service provider who handles the counter is present in the store. An operator center 30 may also be located in the store.

[0031] 4, in step S01, when the transaction device 1 detects that a customer is approaching the customer terminal 11 or presses the operation start button, the customer terminal 11 starts displaying information on the touch panel 210 and providing audio guidance on the operation content, procedures, etc. In this embodiment, in order to measure the time required for a series of procedures, timing is started from the start of the guidance.

[0032] Next, in step S02, the customer inputs the transaction details, which are the services the customer desires from the service provider, via the touch panel 210 of the customer terminal 11. This is done in response to the customer touching the required items on the screen displayed by the touch panel 210 of the customer terminal. The transaction details displayed may be limited to those that can be carried out on the customer terminal 11. In this case, the transaction details selected by the customer are account opening, and the touch panel inputs information corresponding to account opening into the customer terminal 11 via the input controller 205. The following explanation will be based on this assumption. Information regarding account opening is input into the CPU 201, and the process proceeds to the next step S03.

[0033] In step S03, the CPU 201 displays on the touch panel 210 the items that need to be entered to proceed with the transaction, and accepts the customer's entry or selection. The touch panel 210 inputs the information received from the customer via the input controller 205, and the CPU 201 temporarily stores the input information in the RAM 203 and transmits it to the server 2 via the communication network 4. The server 2 receives the transmitted information and stores it in its customer information database 22. Here, the items required for the account opening application include, for example, name, address, and a note regarding the handling of personal information, along with a check indicating consent. When creating a cash card, inputting a PIN number for the cash card, etc., may be performed in this step.

[0034] Next, in step S04, identity verification is performed using information from the identity verification document. The processing of step S04 in Fig. 4 will now be described in detail with reference to Fig. 5. In the explanation, the explanation will be supplemented with the schematic diagrams of screen display examples in Figs. 6 to 10.

[0035] First, in step S041 of Fig. 5, an identification document is selected. In this operation, as shown in Fig. 6(a), the CPU 201 displays a list of the names of identification documents that can be used in the transaction on the touch panel 210 of the customer terminal 11. The names of multiple documents necessary for the transaction, such as My Number cards, driver's licenses, residence cards, and other identification documents, are displayed along with sample images of the actual documents. It is also possible to display only the names.

[0036] As shown in Figure 6(c), displaying the name of each document along with the procedure the customer will then perform is convenient because it allows the customer to recognize the actions that will be required and select the appropriate document.In addition, because it shows whether a facial photograph is required, if the customer is hesitant to have their face photographed for some reason, they can use this information to make a decision in advance, such as selecting a document that can be processed without having their face photographed.

[0037] The customer touches the image of a document that matches the identification document they have brought with them on the touch panel 210, and in response, the touch panel 210 inputs information about the document selected by the customer into the customer terminal 11. If the My Number card is selected here (Case A), the CPU 201 receives the input of this selection, transitions the screen, and proceeds to step S042.

[0038] Step S042 will now be described. After the screen transition, the touch panel 210 displays the display shown in FIG. 7(a). Here, the customer selects and inputs the number to be used in identity verification using the My Number card, i.e., the PIN number of the digital signature certificate or the verification number A. The name of each number is displayed with a description of the subsequent work to be done. When the customer selects the PIN number by touch operation and touches the displayed "Next," the CPU 201 receives this input, transitions to the next screen, and displays the display shown in FIG. 7(b), and proceeds to step S043. If "Back" is selected, the screen returns to the previous screen. This also applies when another screen is displayed. The processing when verification number A is entered will be described later.

[0039] In step S043, first, the display shown in Fig. 7(b) guides the customer to input a personal identification number using the customer terminal 11 and then read the IC chip of the My Number card using the reader 12. When the customer touches "Next" on the display, the CPU 201 receives this input, transitions to the next screen, and displays the screen shown in Fig. 7(c) on the touch panel 210.

[0040] Next, the customer enters a PIN on the screen shown in Fig. 7(c). The CPU 201 performs control to appropriately assist the customer, such as displaying a keyboard on the touch panel for the customer to enter the PIN. When the customer enters the PIN on the touch panel 210 and touches the displayed "Next," the CPU 201 saves the entered PIN in the RAM 203, transitions the screen, and displays the screen shown in Fig. 7(d) on the touch panel 210.

[0041] The process then proceeds to step S044, where the information stored in the IC chip of the My Number Card is read using the reader 12. The CPU 201 displays the screen shown in FIG. 7(d), prompting the customer to place the My Number Card on the top surface of the reader 12 in a predetermined orientation and press the "Start reading" button on the screen. When the "Start reading" button is pressed and a reading instruction is input via the touch panel 210, the CPU 201 communicates with the reader and causes the reader 12 to read the information stored in the IC chip of the My Number Card using the PIN entered by the customer and stored in RAM 203.

[0042] In this way, by guiding the customer through the steps of selecting the number to be used, entering the PIN, and reading the My Number card, it is convenient for the customer as they can continue to operate the tablet and concentrate on the operation. Another advantage is that after entering the PIN, the customer can concentrate on placing the My Number card on the reader 12.

[0043] Proceeding to step S045, if the PIN entered by the customer matches the number pre-registered and linked to the My Number Card (here, this refers to the number registered in the IC chip), i.e., the correct PIN, the reader 12 is able to access the data in the IC chip of the My Number Card. The reader 12 reads information such as the electronic signature certificate and transmits the read information to the customer terminal 11. The customer terminal 11 receives the information and transmits the information of the electronic signature certificate thus obtained from the My Number Card to the server 2 via the communication network 4. The personal authentication processing unit 27 of the server 2 communicates with the system 6 of the Local Authority Information Systems Agency via the relay server 5 through the communication network 4 and performs an inquiry about the information using the electronic signature certificate. If the electronic signature certificate is valid, the system 6 returns the result. The server 2 receives the reply from the system 6, and the personal authentication result processing unit 26 transmits it to the customer terminal 11.

[0044] If the customer terminal 11 receives the result of the identity verification and the certificate is valid, the CPU 201 displays a screen on the touch panel 210 notifying that the reading has been completed, as shown in FIG. 7(e), and then proceeds to step S046.

[0045] If the customer terminal 11 receives a result indicating that the certificate is invalid, the CPU 201 notifies the touch panel 210 to that effect, and the process returns to step S041.

[0046] If the customer enters an incorrect PIN, the process returns to step S043 and the customer re-enters the PIN. If the customer enters an incorrect PIN a predetermined number of times (five times in this case), the process notifies the customer that the PIN has been locked, the process is interrupted, and the process returns to step S041 after a predetermined time has elapsed.

[0047] In step S046, the CPU 201 displays a screen on the touch panel 210, as shown in Figure 7(f), for the customer to select whether or not to carry out the procedure using the information read from the My Number card by the reader 12. If "Next" is pressed on the screen, in response to this input, the CPU 201 of the customer terminal 11 transmits the displayed information to the server 2, terminates the identity verification process, and proceeds to S05. The server 2 stores the information of the customer sent from the customer terminal 11 in the customer information database 22.

[0048] If "Select another personal identification document" is pressed on the screen in step S046, the process proceeds to step S041 and returns to document selection.

[0049] In this way, My Number cards can be used to prevent fraud and impersonation while providing a highly convenient means of identification for customers.

[0050] Next, we will explain identity verification using a driver's license.

[0051] If the customer selects a driver's license and inputs the information in step S041 (case B), the CPU 201 changes the screen on the touch panel 210 and proceeds to step S061.

[0052] Step S061 will now be described. After the screen transition, the display shown in Fig. 8(a) is displayed on the touch panel 210. When identity verification is performed using a driver's license, a facial photograph is taken, and the display guides the customer to input a personal identification number using the customer terminal 11, read the driver's license using the reader 12, and then take a facial photograph, in that order.

[0053] When the customer touches the displayed "Next," the CPU 201 receives this input, transitions the screen, and displays the screen shown in FIG. 8(b) on the touch panel 210.

[0054] Next, the customer enters a PIN on the screen shown in Fig. 8(b). The CPU 201 performs control to appropriately assist the customer, such as displaying a keyboard on the touch panel for the customer to enter the PIN. When the customer enters the PIN on the touch panel 210 and touches the displayed "Next," the CPU 201 saves the entered PIN in the RAM 203, transitions the screen, and displays the screen shown in Fig. 8(c) on the touch panel 210.

[0055] The process then proceeds to step S062, where the information in the IC chip of the driver's license is read using the reader 12. The CPU 201 displays the screen shown in Fig. 8(c), prompting the customer to place the driver's license on the top surface of the reader 12 in a predetermined orientation and press the "Start reading" button on the screen. When the "Start reading" button is pressed and a reading instruction is input via the touch panel 210, the CPU 201 communicates with the reader and causes the reader 12 to read the information stored in the IC chip of the driver's license using the PIN entered by the customer and stored in RAM 203.

[0056] Next, proceed to step S063, and if the PIN entered by the customer matches the number linked to and registered with the driver's license (here, this refers to the number registered in the IC chip), i.e., the correct PIN, the reader 12 is able to access the data in the IC chip of the driver's license. The customer terminal 11 obtains the necessary information, such as facial photo information, name, address, gender, date of birth, and issue date, stored in the IC card read by the reader 12 and transmitted to the customer terminal 11. At the same time, the screen shown in Figure 8(d) is displayed on the touch panel 210.

[0057] The customer terminal temporarily stores the information read from the IC chip in RAM 203, then transmits it to server 2 via communication network 4 and proceeds to step S064. Server 2 stores the received information in its customer information database. If either PIN 1 or PIN 2 entered by the customer is not the correct PIN, the process returns to step S061 and the customer re-enters the PIN. If the customer enters an incorrect PIN a predetermined number of times (three times in this case), the process is aborted and the process returns to step S041.

[0058] Next, the process proceeds to step S064, where the CPU 201 activates the camera 13 and begins preparations for taking a facial photograph. Next, the process proceeds to step S065, where a frame for accommodating the entire face is displayed on touch panel 210, and the customer's face is photographed with camera 13 while being urged to take a facial photograph that fits within the frame. The customer presses the displayed capture button while checking the frame and their own face on touch panel 210, and the photograph is taken. The image of the facial photograph is temporarily saved in RAM 203, and the process proceeds to step S066.

[0059] In step S066, CPU 201 displays the screen shown in Fig. 8(e) on touch panel 210 to prompt the customer to check the photograph of their face. If the customer selects to take a photograph again, CPU 201 receives this input and returns to the processing of step S065 to prepare for another photograph.

[0060] When the customer presses the OK button, the CPU 201 transmits the facial photograph stored in the RAM 203 to the server 2 via the communication network 4. The facial authentication processing unit 25 of the server 2 compares the received facial photograph with the facial photograph information stored in the IC card of the driver's license retrieved from the customer information database 22 and calculates the degree of match (similarity). This calculation can use various image matching processing techniques. AI-based processing is also possible. Alternatively, an operator at the operator center 30 may visually confirm the match using the operator terminal 3. The calculated degree of match is then compared with a pre-stored threshold value serving as the basis for personal authentication, and it is determined whether the degree of match is equal to or greater than the threshold. If the degree of match is equal to or greater than the threshold (YES), the customer's identity is confirmed (i.e., it has been confirmed that the person in the photographed facial photograph and the person in the facial photograph stored on the IC card are the same person), and the process proceeds to step S067. If the degree of match does not reach the threshold, the process returns to step S055. If the degree of match does not reach the threshold value even after taking a predetermined number of photographs, the procedure is interrupted, an alert is issued, and then the process returns to step S041.

[0061] In step S067, the CPU 201 displays the screen shown in Fig. 8(f) on the touch panel 210, notifying the user that identity verification has been completed and providing the user's identity information for the procedure. When "Next" is pressed on the screen, the CPU 201 receives this input and sends the displayed information to the server 2, ending the identity verification process, and proceeds to S05. The server 2 stores the user's information sent from the customer terminal 11 in the customer information database 22. This ends the identity verification process, and the process proceeds to S05.

[0062] In this way, using a driver's license can prevent fraud and impersonation while providing a highly convenient means of identification for customers.

[0063] If "Select another personal identification document" is pressed on the screen in step S067, the process moves to step S041 and returns to document selection.

[0064] Next, we will explain identity verification using residence cards.

[0065] If the customer selects the residence card and inputs information in step S041 (case C), the CPU 201 changes the screen on the touch panel 210 and proceeds to step S071.

[0066] Step S071 will now be described. After the screen transition, the screen on touch panel 210 guides the customer to enter their PIN using customer terminal 11, read their driver's license using reader 12, and take a photograph of their face, in that order. The screen is the same as the screen shown in FIG. 8(a), except that the name "driver's license" in the message on the screen in FIG. 8(a) has been changed to "residence card," and the photo on the driver's license has been changed to a photo of the residence card. When the displayed "Next" is touched, CPU 201 receives this input, transitions to a new screen, and displays a screen on touch panel 210 for entering the residence card number.

[0067] Next, the customer enters a PIN on the screen after the transition. The CPU 201 performs control to appropriately assist the customer, such as displaying a keyboard on the touch panel for the customer to enter the PIN. When the customer enters their residence card number on the touch panel 210 and touches "Next" on the screen, similar to the screen in Figure 8(b), the CPU 201 saves the entered PIN in RAM 203, transitions to the next screen, and displays a screen on the touch panel 210 for reading the residence card.

[0068] The process then proceeds to step S072, where the information stored in the IC chip of the residence card is read using the reader 12. The CPU 201 displays a screen similar to that shown in Fig. 8(c) (where the characters and photo on the driver's license correspond to those on the residence card). Otherwise, the process is the same as in step S062, and the reader 12 reads the information stored in the IC chip of the residence card.

[0069] Next, the process proceeds to step S073. If the residence card number entered by the customer matches the number previously registered in association with the residence card (here, this refers to the number registered in the IC chip), the reader 12 is able to access the data in the IC chip of the residence card. Thereafter, as in step S063, a screen indicating that the reading is complete is displayed, and necessary information such as facial photo information and name from the IC card read by the reader 12 is obtained. This information is temporarily stored in RAM 203 and transmitted to server 2 via communication network 4. Server 2 then stores this received information in its customer information database. If the residence card number entered by the customer is not correct, the process returns to step S071 and the customer is asked to re-enter their PIN. If the customer enters an incorrect number a predetermined number of times, the process is interrupted and the process returns to step S041.

[0070] Next, from step S074 to step S076, the same processing as from step S064 to step S066 is performed.

[0071] In step S077, the CPU 201 displays a screen on the touch panel 210 to notify the customer that identity verification has been completed and to notify the customer of the identity information read from the residence card for the procedure. The rest of the screen should be the same as that shown in FIG. 8(f). When "Next" is pressed on the screen, the CPU 201 of the customer terminal 11 receives this input and sends the displayed information to the server 2, terminating the identity verification process, and proceeds to S05. The server 2 then stores the customer's information sent from the customer terminal 11 in the customer information database 22.

[0072] If "Select another personal identification document" is pressed on the screen in step S077, the process moves to step S041 and returns to document selection.

[0073] As described above, depending on the document used by the customer who is the user of the service to carry out the identity verification procedure, when identity verification is performed using a driver's license or residence card, the information stored electronically in the IC chip is read by the reading means 12, and identity verification is performed using an image obtained by photographing the user's face. On the other hand, when identity verification is performed using the PIN number of the My Number card, it is possible to use a method of performing identity verification by reading the information stored electronically in the IC chip without using an image obtained by photographing the customer as in steps S043 to S046.

[0074] Next, a case where verification number A is selected as the usage number in step S042 will be described.

[0075] In this case, the process proceeds to step S051, and the CPU 201 displays the display shown in FIG. 9(a) on the touch panel. The display guides the customer to enter their PIN using the customer terminal 11, read their My Number card using the reader 12, and take a photograph of their face, in that order. When the customer touches "Next" on the display, the CPU 201 receives this input and transitions to the next screen, displaying the screen shown in FIG. 9(b) on the touch panel 210. Next, the customer enters their PIN on the screen shown in FIG. 9(b). The CPU 201 performs control to assist the customer as appropriate, such as displaying a keyboard on the touch panel for the customer to enter their PIN. When the customer enters their PIN on the touch panel 210 and touches "Next" on the display, the CPU 201 saves the entered PIN in the RAM 203 and transitions to the next screen.

[0076] In step S052, the My Number card is read, which is performed in the same manner as in step S044 described above.

[0077] Proceeding to step S053, if the verification number entered by the customer is correct, the reader 12 is able to access the data in the IC chip of the My Number Card. The reader 12 reads the necessary information such as the facial photograph from the IC chip and transmits the read information to the customer terminal 11. At the same time, the CPU 201 displays a screen on the touch panel 210 notifying that reading has been completed, as shown in Fig. 7(e), and then proceeds to step S054.

[0078] If the customer enters an incorrect verification number, the process returns to step S043 and the customer re-enters the number. If the customer enters an incorrect number a predetermined number of times, the process is interrupted and the process returns to step S041 after a predetermined time has elapsed.

[0079] Next, steps S054 to S056 are the same as steps S064 to S066, so the explanation will be omitted.

[0080] In step S057, the CPU 201 displays a screen similar to that shown in FIG. 7(f) on the touch panel 210, notifying the customer that identity verification has been completed and that the customer's identity information has been read from the My Number card to carry out the procedure. When "Next" is pressed on the screen, the CPU 201 of the customer terminal 11 receives this input and sends the displayed information to the server 2, ending the identity verification process, and proceeds to S05. The server 2 ends the identity verification process and proceeds to S05. The server 2 stores the customer's identity information sent from the customer terminal 11 in the customer information database 22.

[0081] If "Select another personal identification document" is pressed on the screen in step S057, the process moves to step S041 and returns to document selection.

[0082] Finally, a case where the customer selects and inputs other personal identification documents in step S041 (case D) will be described.

[0083] In this case, the process proceeds to step S047, where the CPU 201 displays the screen shown in FIG. 6(b) on the touch panel 210, informing the customer that the procedure cannot be completed at the customer terminal 11 and urging them to consult face-to-face at the counter. Examples of other identification documents include an insurance card and a student ID. If "Select another identification document" is pressed on the screen, the process proceeds to step S041 and returns to document selection.

[0084] This concludes the description of the identity verification process.

[0085] Returning to Figure 4, the processing from step S05 onwards will be explained. In step S05, after identity verification processing is performed, the account opening procedure, which is the desired transaction entered by the customer in step S02, is carried out in a predetermined manner. Based on the necessary information entered in step S03, the CPU of the customer terminal 11 works in cooperation with the business transaction processing unit 28 of the server 2 to process the procedure. Once the processing is complete, the result is stored in the customer information database 22, and the process proceeds to step S06. If the processing takes time, it is advisable to set an appropriate waiting time and notify the customer each time.

[0086] In step S06, the CPU 201 displays a notice on the touch panel 210 (not shown) indicating that the account opening has been completed, and ends the transaction operation.

[0087] As another embodiment, a case where a transaction is performed in which a cash card is read by the reader 12 will be described. Here, an example of this case, where a PIN number on a cash card is changed, will be described. If the desired transaction entered by the customer in step S02 is to change the PIN number on the cash card, the customer enters predetermined necessary information (e.g., a new PIN number) in step S03, and then identity verification processing is performed in step S04. The identity verification processing is as described above.

[0088] Next, in step S05, the cash card is read as part of the procedure. The CPU 201 of the customer terminal 11 displays the screen of Fig. 10(a) on the touch panel 210, and guides the customer in reading the cash card.

[0089] The reader 12 can read both the information stored on the magnetic stripe of a cash card and the information stored on the IC chip. When a customer presses the Start Reading button on the screen with a card inserted into the reader 12, the screen switches to one for entering the cash card's PIN, as shown in FIG. 10(b). When a customer enters a PIN on the screen with a card inserted into the reader 12 and presses the Next button, the CPU 201 stores the entered PIN in the RAM 203 and then sends it to the reader 12. If the entered PIN is linked to a cash card and registered, the reader 12 can rewrite the magnetic stripe of the cash card or access the information on the IC chip. In the case of a magnetic stripe, authentication is performed in cooperation with the customer information database 22 of the server 2 as appropriate.

[0090] Thereafter, using the necessary information entered in step S03, the CPU of the customer terminal 11 processes the subsequent procedural work in cooperation with the transaction processing unit 28 of the server 2. When the processing is completed, the result is stored in the customer information database 22, and the process proceeds to step S06, where the operation is terminated in the same manner as described above.

[0091] In this way, the procedures for reading both the personal identification document and the cash card can be carried out using the same reader 12, improving convenience for both the customer and the service provider.

[0092] Although the embodiments have been described above, the present invention can be embodied as, for example, a system, an apparatus, a method, a program, a recording medium, etc. Specifically, the present invention may be applied to a system made up of multiple devices, or may be applied to an apparatus made up of a single device.

[0093] In addition, the program according to the embodiment is a program that enables a computer to execute the processing method of the flowcharts shown in Figures 4 and 5, and the storage medium according to the embodiment stores a program that enables a computer to execute the processing method of Figures 4 and 5.

[0094] As described above, the effects of the embodiments can be achieved by supplying a recording medium containing a program that realizes the functions of the above-mentioned embodiments to a system or device, and having the computer (or CPU or MPU) of that system or device read and execute the program stored on the recording medium.

[0095] In this case, the program itself read from the recording medium will realize the novel functions of the present invention, and the recording medium on which the program is recorded will constitute the present invention.

[0096] Examples of recording media for supplying the program include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, magnetic tapes, non-volatile memory cards, ROMs, EEPROMs, and silicon disks.

[0097] Furthermore, it goes without saying that not only are the functions of the above-mentioned embodiments realized by the computer executing a program it has read, but also cases are included in which an OS (operating system) running on the computer performs some or all of the actual processing based on the instructions of the program, and the functions of the above-mentioned embodiments are realized through that processing.

[0098] Furthermore, after the program read from the recording medium according to the embodiment is written into the memory of a function expansion board inserted into a computer or a function expansion unit connected to the computer, the CPU or the like on the function expansion board or function expansion unit performs some or all of the actual processing based on the instructions of the program code, and the functions of the above-mentioned embodiment may be realized through this processing.

Claims

1. an input means for inputting information regarding documents used by a service user to carry out identity verification procedures required by a service provider; a determination means that, in accordance with the information input by the input means, determines that when identity verification is performed using a first document, the reading means will read the information electronically stored in the storage unit of the identity verification document and the image obtained by photographing the user's face will be used to verify the identity, and when identity verification is performed using a second document different from the first document, the reading means will read the information electronically stored in the storage unit of the identity verification document without using the image obtained by photographing the user; and and a confirmation unit that performs identity verification using the method determined by the determination unit.

2. The information processing device according to claim 1, characterized in that, when the input information is a My Number card, the input means further enables input of information regarding a method of verifying the identity of the user by inputting the PIN number of the My Number card, or a method of verifying the identity of the user by capturing an image of the user's face without using the PIN number.

3. The information processing device according to claim 1, further comprising a notification means for notifying a user to input the PIN number of the My Number card and then have the reading means read the IC chip of the My Number card, in that order, when the user is to verify the user's identity by inputting the PIN number of the My Number card.

4. The information processing device according to claim 1, characterized in that, when the input information is a driver's license, the decision means reads the information electronically stored in the identification document using a reading means, and decides to use a method of identifying the user using an image obtained by photographing the user's face.

5. 2. The information processing apparatus according to claim 1, wherein documents used for personal identification that can be input by said input means include a residence card.

6. 2. The information processing device according to claim 1, further comprising a notification means for notifying, in accordance with the information input by the input means, that the information processing device is unable to carry out the identity verification procedure required by the service provider using a document corresponding to the information input by the input means.

7. The information processing device according to claim 6, characterized in that the notification means issues a notification regarding the use of a counter at a staffed store of the service provider to carry out face-to-face procedures for documents for which the information processing device cannot carry out the identity verification procedures required by the service provider.

8. The information processing device of claim 1, characterized in that it displays information about a specified document that can be used for identity verification and a notification regarding information regarding photographing the user's face when verifying identity using the specified document, and for a document other than the specified document for identity verification, it does not display a notification that the user's face needs to be photographed when verifying identity using the other document, but instead displays information about the other document and the procedure for verifying identity using the other document.

9. An information processing device as described in claim 1, characterized in that in order to provide a service to be used by a user, first information electronically stored in a memory unit of an identification document read by the reading means is acquired, and after the verification means verifies the user's identity using the acquired first information, second information stored in a magnetic or IC chip of a card issued by the service provider and read by the reading means is acquired.

10. an input step in which the service user inputs information regarding documents to be used for identity verification procedures required by the service provider; An information method characterized in that, depending on the information input by the input means, when identity verification is performed using a first document, the reading means reads the information stored electronically in the memory section of the identity verification document and the identity verification is performed using an image obtained by photographing the user's face, and when identity verification is performed using a second document different from the first document, the reading means reads the information stored electronically in the memory section of the identity verification document and the identity verification is performed without using an image obtained by photographing the user.

11. A program for causing a computer to function as each of the means of the information processing device according to claims 1 to 9.

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