Identity verification methods, identity verification programs, and identity verification systems

Abstract

This invention provides an identity verification method, an identity verification program, and an identity verification system that streamline the process of verifying identity for specific transactions at banks. [Solution] An identity verification method in an identity verification system used to verify the identity of a person in order to perform a predetermined transaction at a bank, comprising: accessing an IC chip based on the information on the identity verification document; obtaining facial image information stored in the IC chip or facial image information contained in the information on the document; comparing the facial image information with facial image information based on a facial image of the person taken by a camera; and, upon completion of the comparison, outputting a unique identification number associated with the predetermined transaction.

Description

Technical Field

[0001] The present disclosure relates to a personal identification method, a personal identification program, and a personal identification system.

Background Art

[0002] Patent Document 1 discloses a bank transaction system including an identification information issuing unit that issues transaction identification information, a confirmation unit that confirms the validity of a certificate for proving that a customer is the person conducting a transaction, a storage unit that associates and stores a customer's account, which is pre-associated with a number for identifying the certificate, with the transaction identification information, an image reading unit that reads an image of a form including the details of a transaction having the customer's account as the transaction account and the impression of a filing seal, a data control unit that controls the creation of electronic data including the transaction details, the image data of the form, and the transaction identification information, and a transaction control unit that conducts a transaction according to the confirmation result of the validity and the confirmation result of the identity between the impression of the filing seal shown in the image data of the form and the impression of the filing seal previously filed with a financial institution.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] An object of the present disclosure is to improve the efficiency of personal identification for conducting a predetermined transaction at a bank.

Means for Solving the Problems

[0005] The identity verification method relating to this disclosure is an identity verification method used in an identity verification system for verifying the identity of a person in order to perform a prescribed transaction at a bank, and involves accessing an IC chip based on the information on the identity verification document, obtaining facial image information stored in the IC chip or facial image information contained in the information on the document, comparing the facial image information with facial image information based on a facial image of the person taken by a camera, and outputting a unique identification number linked to the prescribed transaction once the comparison is complete. [Brief explanation of the drawing]

[0006] [Figure 1] A diagram illustrating the traditional procedure for customers making large withdrawals at bank counters. [Figure 2] A diagram showing an example of the system configuration according to this embodiment. [Figure 3] Diagram illustrating the store-installed devices and the server for storing identity verification results. [Figure 4] A diagram illustrating the operational image of this embodiment. [Figure 5] A diagram illustrating how the identity verification results are linked to the bank system after identity verification in this embodiment. [Figure 6] Diagram illustrating a use case for high-value withdrawals according to this embodiment. [Figure 7] Diagram illustrating a use case for address change according to this embodiment. [Figure 8] Diagram illustrating a use case for name change according to this embodiment. [Figure 9] Diagram illustrating the identity verification result reference screen according to this embodiment. [Figure 10] This figure shows an example of screen transitions for each device in the normal identity verification process according to this embodiment. [Figure 11] Figure 10 shows an example of a continuation of the screen transition. [Figure 12] Figure 11 shows an example of a screen transition. [Figure 13] This figure shows an example of screen transitions for each device in the abnormal case identity verification process according to this embodiment. [Figure 14]Figure 13 shows an example of a screen transition. [Modes for carrying out the invention]

[0007] Embodiments of the present disclosure will be described in detail below, with appropriate reference to the drawings. However, descriptions that are unnecessarily detailed may be omitted. For example, detailed descriptions of already well-known matters and redundant descriptions of substantially identical configurations may be omitted. This is to avoid the following description becoming unnecessarily verbose and to facilitate understanding for those skilled in the art. The accompanying drawings and the following description are provided to enable those skilled in the art to fully understand the present disclosure and are not intended to limit the subject matter of the claims. The functions of one configuration shown in this embodiment may be realized by two or more physical configurations, or the functions of two or more configurations may be realized by, for example, one physical configuration.

[0008] (Background leading to this disclosure) Figure 1 illustrates the conventional procedure when a customer makes a large withdrawal at a bank counter.

[0009] As shown in Figure 1, traditionally, when a customer makes a large withdrawal, the customer presents identification documents at the bank counter, and a bank employee (staff) visually verifies whether the identification documents belong to the customer. If they do, the employee makes a copy of the identification documents and stores the copy. Alternatively, the employee scans the identification documents and stores the scanned data on a server. The storage methods are not standardized and vary from bank to bank. Examples of identification documents include My Number cards, driver's licenses, passports, and residence cards.

[0010] Banks are required to streamline identity verification and the management of identity verification results in order to reduce staffing levels and improve operational efficiency (time savings and labor costs) at their branches. Here, identity verification refers to confirming whether the customer is the person listed on the identification documents. The identity verification result indicates whether the verification was successful or unsuccessful.

[0011] This embodiment realizes at least the following two points. (1) The personal verification result can be stored and its history can be confirmed. · The storage and history confirmation may be realized by a server or by an application (app). · The personal verification result stores both successful and failed cases. This also stores the fact that impersonation has been prevented. · Assuming a case of failed personal verification, both the face image recorded on the IC chip of the My Number card or the face photo printed on the surface (hereinafter referred to as the document face image) and the face photo taken at the time of face authentication (hereinafter referred to as the captured face photo) can be viewed. (2) It is possible to verify the identity of the person who has specified an account number as a customer of a bank account. · The account number can be specified before and after the personal verification is carried out. · The account number can be stored as the personal verification result.

[0012] (This embodiment) <System configuration> FIG. 2 is a diagram showing an example of the system configuration according to this embodiment. FIG. 3 is a diagram for explaining a group of store-installed devices and a personal verification result storage server.

[0013] The system according to this embodiment can cooperate the personal verification system, the in-bank system, and the external system via a predetermined communication network. Note that the external system may not be used.

[0014] The personal verification system includes a group of store-installed devices, a user terminal, and a personal verification result storage server. Examples of the user terminal include a smartphone and a tablet terminal. Note that the user terminal may not be included.

[0015] The store-installed devices include a facial recognition card reader, an identity verification result output printer, a cash card reader, and a PC running the identity verification application. The facial recognition card reader, identity verification result output printer, and cash card reader may be connected to the PC running the identity verification application via USB.

[0016] A facial recognition card reader authenticates whether a customer is the person on the identification document by verifying the authenticity of the document and performing facial recognition. For example, a facial recognition card reader performs the following processes: (S11) The facial recognition card reader obtains a document-based facial image from the identification document (such as the IC chip or surface of the My Number Card). (S12) The facial recognition card reader captures the customer's face with its built-in camera and generates a captured facial image. (S13) The facial recognition card reader authenticates whether the facial image on the document and the facial image captured belong to the same person. (S14) The facial recognition card reader will consider the identity verification successful if authentication is successful, and unsuccessful if authentication is unsuccessful (hereinafter referred to as facial recognition). (S15) Regardless of the result of facial recognition, if the facial recognition card reader successfully reads the identification document, it will obtain the personal information stored in the identification document (for example, four pieces of information: name, address, date of birth, and gender).

[0017] However, the processes in S13 and S14 described above may be performed on the PC running the identity verification application. Alternatively, instead of a facial recognition card reader, the facial recognition described above may be performed using a user device (e.g., a smartphone or tablet) owned by the customer.

[0018] The cash card reader reads the set of branch number and account number from the customer's cash card. Hereafter, the set of branch number and account number may be simply referred to as the account number.

[0019] When the PC running the identity verification application performs identity verification in conjunction with a facial recognition card reader, it assigns a unique identification number to that identity verification process.

[0020] If the PC running the identity verification app successfully reads the identity verification document, it will obtain the identity verification result, which will include personal information and a specific identification number. In other words, the identity verification result will include the specific identification number regardless of whether facial recognition was successful or unsuccessful. The PC running the identity verification app may further include the account number obtained via the cash card reader in the identity verification result. In other words, the identity verification result may include personal information, a specific identification number, and an account number.

[0021] The PC running the identity verification application saves the identity verification results to the identity verification result storage server. This ensures that the identity verification results for each customer who has undergone identity verification using a facial recognition card reader are stored on the identity verification result storage server. The identity verification results obtained on user terminals may also be stored on the identity verification result storage server.

[0022] The PC running the identity verification application may print out the identity verification results, including the specific number, via an identity verification result output printer. Alternatively, the PC running the identity verification application may print out the specific number as a two-dimensional code (QR code®).

[0023] Bank systems include both core banking systems and branch systems.

[0024] The accounting system manages customer account information. This account information includes a set of the customer's branch number and account number, as well as the customer's personal information. In addition, in this embodiment, if identity verification is performed on the customer's account number, the aforementioned specific number corresponding to that identity verification process may be recorded in the customer's account information. This allows the account information and the identity verification result to be linked using the specific number as a key.

[0025] In-branch systems are devices that work in conjunction with accounting systems to provide banking services to customers, and include, for example, branch terminals, tablets, reception desks (window service machines), and ATMs.

[0026] External systems include J-LIS (Japan Local Government Information Systems Organization) and platform provider services.

[0027] Bank branch systems may integrate with external systems to perform identity verification using public personal authentication. When integrating with J-LIS authentication, the identity verification result may be authenticated using J-LIS authentication, and if authentication is successful, a "J-LIS authenticated flag" may be added to the identity verification result and stored on the identity verification result storage server.

[0028] <Operational Image> Figure 4 is a diagram illustrating the operational image of this embodiment.

[0029] To allow for flexible adaptation to the branch design policies of various financial institutions, we envision a system that enables identity verification at multiple locations within the branch.

[0030] For example, as shown in Figure 4, a portion of the identity verification system is installed at (1) the reception desk (for pre-transactions), (2) the counter (for transactions in progress), and (3) areas other than the reception desk and counter. Because identity verification can be performed using a facial recognition card reader without the need for bank employees (staff) to visually check identity documents, the system can be installed flexibly.

[0031] <Linking the identity verification results in the bank's system after identity verification> Figure 5 is a diagram illustrating how the identity verification results are linked to the bank system after identity verification in this embodiment.

[0032] The PC running the identity verification application executes the identity verification application. The server storing the identity verification results executes the identity verification result management application. The identity verification application performs the identity verification process using the method described above and obtains the identity verification result. The identity verification result management application assigns a specific number to the identity verification result and saves the result. The identity verification application retrieves the specific number and displays the identity verification result on the screen.

[0033] The identity verification results screen 100 displays the facial image from the document used for the customer's identity verification, the photographed facial image, the personal information obtained from the identity verification document, and the specific number included in the identity verification result.

[0034] The bank branch terminal app displays customer account transaction information as the account transaction information screen 200.

[0035] The bank employee copies the identification number displayed on the identity verification results screen 100 and pastes it into the identification number field on the customer's account transaction information screen 200. This links the identification number used for the identity verification process to the customer's account transaction information.

[0036] <Use cases for high-value withdrawals> Figure 6 illustrates a use case for high-value withdrawals according to this embodiment.

[0037] The bank employee compares the personal information displayed on the identity verification results screen 100 with the personal information displayed on the account transaction information screen 200 to confirm whether the customer is the person whose account information is registered. This comparison may be performed automatically by the bank's branch terminal application by referring to the personal information in the identity verification results. If the employee determines that the customer is the person whose account information is registered, they copy the identification number from the identity verification results screen 100 and paste it into the identification number input field on the account transaction information screen 200 to complete the setting. This links the identification number corresponding to the identity verification result for the high-value withdrawal to the account transaction information of the customer who made the high-value withdrawal. Even if identity verification fails, the identification number may still be displayed on the identity verification results screen 100.

[0038] This allows, for example, a bank employee to easily search the identity verification results stored on the identity verification results server at a later date, using a specific number linked to the account transaction information for the high-value withdrawal as a key.

[0039] <Use cases for changing address> Figure 7 illustrates a use case for address change according to this embodiment.

[0040] The bank employee compares the personal information displayed on the identity verification results screen 100 with the personal information displayed on the account transaction information screen 200 to confirm whether the customer is the person whose account information is registered. If it is determined that the customer is the person whose account information is registered, the bank employee changes the address on the account transaction information screen 200 to the address displayed on the identity verification results screen 100 (the new address). This address change may be performed automatically by the bank's branch terminal application by referring to the new address from the identity verification results. Furthermore, the bank employee copies the identification number from the identity verification results screen 100 and pastes it into the identification number input field on the account transaction information screen 200 to complete the setting. This links the identification number corresponding to the identity verification result for the address change to the account transaction information of the customer whose address has been changed. Even if identity verification fails, the identification number may still be displayed on the identity verification results screen 100.

[0041] This allows, for example, bank employees to easily retrieve the identity verification results from the identity verification result storage server using a specific number linked to the account transaction information for which the address was changed at a later date.

[0042] <Use cases for name change> Figure 8 illustrates a use case for name change according to this embodiment.

[0043] The bank employee compares the personal information displayed on the identity verification results screen 100 with the personal information displayed on the account transaction information screen 200 to confirm whether the customer is the person whose account information is registered. If it is determined that the customer is the person whose account information is registered, the bank employee changes the name on the account transaction information screen 200 to the name displayed on the identity verification results screen 100 (new name). This name change may be performed automatically by the bank's branch terminal application by referring to the new name from the identity verification results. Furthermore, the bank employee copies the identification number from the identity verification results screen 100 and pastes it into the identification number input field on the account transaction information screen 200 to complete the setting. This links the identification number corresponding to the identity verification result for the name change to the account transaction information of the customer whose name has been changed. Even if identity verification fails, the identification number may still be displayed on the identity verification results screen.

[0044] This allows, for example, a bank employee to easily search the identity verification results stored on the identity verification results server for an account that has been changed by using a specific number linked to the account transaction information at a later date.

[0045] <Identity Verification Result Screen> Figure 9 is a diagram illustrating the identity verification result reference screen according to this embodiment.

[0046] Bank employees can access the identity verification result storage server by operating a bank branch terminal. For example, the bank branch terminal sends a request to the identity verification result storage server using the name and date of birth as keys. The identity verification result server retrieves the identity verification result corresponding to the name and date of birth included in the request and sends it to the bank branch terminal. The bank branch terminal displays the received identity verification results in a list. When a bank employee clicks on one of the items in the list displayed on the bank branch terminal, the bank branch terminal displays the details of the clicked identity verification result individually. In addition to personal information, a specific number is also displayed in the individual display. The list display can be sorted or filtered by at least one of the following: identity verification date, verification result, verification branch, name, date of birth, and account number. Furthermore, depending on the purpose, the display items of the individual display may also be displayed in the list display and sorted or filtered accordingly.

[0047] Bank employees can access the bank's core banking system by operating bank branch terminals. For example, a bank branch terminal can send a request to the core banking system using the account number as the key. The core banking system retrieves account information, including the name and date of birth, corresponding to the account number included in the request, and sends it to the bank branch terminal. The bank branch terminal may then display the received account information.

[0048] The bank employee operates a terminal at the bank branch to set the specific number included in the individual display to the account transaction information currently being processed within the displayed account information. This links the specific number to the account transaction information in the core banking system.

[0049] <Example of screen transitions during identity verification process: Normal case> Figures 10, 11, and 12 show examples of screen transitions for each device in the normal identity verification process according to this embodiment.

[0050] (S21) The facial recognition card reader displays the startup screen. At this time, the identity verification application running on the PC running the identity verification application may also display the same screen.

[0051] (S22) The identity verification application displays a screen for entering the branch number and account number, and the bank employee (staff) enters the branch number and account number from the customer's cash card. Alternatively, the bank employee copies the branch number and account number from the customer's cash card displayed on the bank's terminal application and pastes them into the fields for entering the branch number and account number on the identity verification application. Alternatively, a cash card reader may be connected to read the set of branch number and account number from the customer's cash card.

[0052] (S23) The facial recognition card reader displays a screen prompting the customer to insert their identification document. At this time, the identity verification app may also display the same screen so that a bank employee (staff) can check the status of the customer's identity verification. The customer inserts their identification document into the facial recognition card reader.

[0053] (S24) The facial recognition card reader displays a screen showing that it is capturing the customer's face, as shown in Figure 11. The customer ensures their face is within the frame. The facial recognition card reader captures the customer's face and generates a captured facial image. The identity verification application authenticates whether the captured facial image is the same person as the document facial image read from the IC chip of the identity document (or printed on the surface of the identity document) (i.e., performs identity verification).

[0054] (S25) If the identity verification application is successful, it will display a completion screen. At this time, the facial recognition card reader may also display the same screen.

[0055] (S26) If identity verification is successful, the identity verification management app displays the personal information read from the IC chip of the identity verification document by the facial recognition card reader on the identity verification result screen 100. At this time, the identity verification management app generates a specific number corresponding to the current identity verification process and displays it on the identity verification result screen 100. The bank branch terminal app displays the account information linked to the branch number and account number entered in S22 on the account transaction information screen 200. The bank employee compares the personal information displayed on the identity verification result screen 100 with the account information displayed on the account transaction information screen 200 to determine whether the customer is the account holder. Note that the determination of whether the customer is the account holder may be made automatically by the identity verification management app instead of by visual inspection by the bank employee. For example, the identity verification management app may determine that the customer is the account holder if the name, date of birth, address, and gender all match.

[0056] (S27) If the bank employee determines that the customer is indeed the person in question, they copy the identification number displayed on the identity verification result screen 100 and paste it into the identification information field on the account transaction information screen 200 to set it. This allows the bank employee to link the customer's account transaction information with the identification number corresponding to the customer's identity verification process.

[0057] (S28) Bank employees check the status of transactions from the account transaction information screen 200 of the bank's in-store terminal application. This links a specific number to the account transaction information and saves it.

[0058] <Example of screen transitions during identity verification process: abnormal case> Figures 13 and 14 show examples of screen transitions for each device in the abnormal identity verification process according to this embodiment. In other words, they show examples of screen transitions when identity verification fails.

[0059] (S31)~(S34) The system according to this embodiment executes (S21)~(S24) above.

[0060] (S35) If the identity verification application fails to perform facial recognition, it will display a screen indicating that identity verification has failed, as shown in Figure 14. At this time, the facial recognition card reader may also display the same screen.

[0061] (S36) The identity verification management app displays a failure mark on the identity verification result screen 100 to indicate that identity verification failed. At this time, the identity verification result screen 100 may display side by side the captured facial image of the customer whose identity verification failed and the facial image captured on the side of the identity verification document that failed (document facial image). This allows the bank employee to confirm the facial image of the person whose identity verification failed. Even if facial recognition fails, a specific number is assigned to the identity verification result.

[0062] By saving the identity verification results obtained on the customer's user terminal to an identity verification results storage server, bank employees (staff) can check the identity verification results without being involved in the identity verification process.

[0063] While embodiments have been described above with reference to the attached drawings, this disclosure is not limited to such examples. It is clear to those skilled in the art that various modifications, alterations, substitutions, additions, deletions, and equivalents can be conceived within the scope of the claims, and these are also understood to fall within the technical scope of this disclosure. Furthermore, the components of the embodiments described above can be combined in any way without departing from the spirit of the invention. [Industrial applicability]

[0064] The technology disclosed herein is useful for identity verification in banks and other financial institutions. [Explanation of Symbols]

[0065] 100 Identity Verification Result Screen 200 Account Transaction Information Screen

Claims

1. A method for verifying identity in an identity verification system used to verify identity in order to perform a prescribed transaction at a bank, Based on the information on the identification document, access the IC chip and obtain the facial image information stored in the IC chip or the facial image information contained in the document information. The aforementioned facial image information is compared with the facial image information based on the facial image of the person captured by the camera. If the matching is complete, a unique identification number associated with the specified transaction is output. Methods of identity verification.

2. Regardless of whether the matching is successful or unsuccessful, the specified number is output. The method for verifying identity as described in claim 1.

3. The aforementioned identity verification system includes a results server, The aforementioned specific number is linked to the bank account number of the person concerned and stored on the results server. The method for verifying identity according to claim 1 or 2.

4. The aforementioned specified transaction is at least one of the following: a high-value withdrawal, a change of address, or a change of name. The method for verifying identity according to any one of claims 1 to 3.

5. The aforementioned identity verification system further includes an operating terminal, The face image information and captured face image information, which have been matched with the outputted specific number, are displayed on the screen of the operating terminal. The method for verifying identity according to any one of claims 1 to 4.

6. An identity verification program that verifies the identity of the user in order to perform a prescribed transaction at a bank, Based on the information on the identification document, access the IC chip and obtain the facial image information stored in the IC chip or the facial image information contained in the document information. The aforementioned facial image information is compared with the facial image information based on the facial image of the person captured by the camera. If the matching is complete, a unique identification number associated with the specified transaction is output. A program that uses a computer to perform identity verification.

7. An identity verification system for verifying the identity of a person in order to perform a prescribed transaction at a bank, comprising a processor and memory, The aforementioned processor cooperates with the memory, Based on the information on the identification document, access the IC chip and obtain the facial image information stored in the IC chip or the facial image information contained in the document information. The aforementioned facial image information is compared with the facial image information based on the facial image of the person captured by the camera. If the matching is complete, a unique identification number associated with the specified transaction is output. Identity verification system.

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