Personal identification support device and personal identification support method

Abstract

To enable reduction in office costs and improvement in usability by improving the efficiency of the identity confirmation work.SOLUTION: An identity confirmation work support device 100 includes: a storage device 101 which holds the information declared by a user whose identity is to be confirmed; and an arithmetic part 104 which executes the processing for specifying items whose information did not match by comparison with between the user's declared information and the medium retention information read from the user's identity confirmation medium for each corresponding item, and which executes the processing for determining that confirmation of items has been successful when the specific type of characters and numbers are extracted from each of the declared information and the media retention information of the item, collated and matched with each other.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an apparatus and a method for supporting personal identification verification operations. [Background technology]

[0002] The amendment to the Enforcement Regulations of the Act on Prevention of Transfer of Criminal Proceeds (hereinafter referred to as the Amended Act) allows financial institutions and other specified businesses to use methods such as verifying the face of a driver's license or IC chip information, or selfie image information, for online identity verification. This will reduce the time and effort required compared to the conventional method of verifying identity using documents and manual procedures.

[0003] As a conventional technique related to such identity verification, there has been proposed an apparatus providing an identity verification device capable of efficiently performing identity verification with high accuracy (see Patent Document 1).

[0004] This device is an identity authentication device that verifies the identity of a user, and includes a captured image acquisition unit that photographs the user with a camera and acquires a first facial image, a photographed image acquisition unit that reads the facial photo attached to the user's identification document and acquires a second facial image, a recorded image acquisition unit that reads the facial photo data recorded on an IC chip attached to the identification document and acquires a third facial image, and a matching processing unit that compares the first facial image, the second facial image, and the third facial image, and determines that the user is the user in question if the matching rate of the three facial images is equal to or greater than a predetermined value.

[0005] In addition, a contract-related document verification system (see Patent Document 2) has also been proposed that is suitable for verifying the authenticity of a customer's contract-related documents (hereinafter referred to as contract-related documents) and then verifying the customer's identity in contract-related procedures (procedures such as contract changes and card reissues) after the contract review procedure.

[0006] This technology is configured to include an automated contract machine that performs processing associated with a contract between a customer and a company, and a contract management server that is connected to this automated contract machine via a communication line and performs identity verification of the customer using received customer information. The automated contract machine includes an image reading means that reads an image of a contract-related document related to a contract of the customer, a character string recognition means that recognizes a character string on the image based on the image read by the image reading means, a character information extraction means that extracts character information present between a first standard word and a second standard word from the recognized character string, and a character information processing means that converts the extracted character information into a character string that is present between the first standard word and the second standard word. and a customer information transmitting means for transmitting customer information including the customer attribute information obtained by the attribute assignment means to a contract management server, wherein the contract management server has a customer attribute information verifying means for verifying whether the customer attribute information in the received customer information is legitimate, and an identity verifying means for verifying the identity of the customer based on the customer information when the customer attribute information verifying means has verified that the customer attribute information is legitimate. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Patent No. 6513866 [Patent Document 2] JP 2008-129892 A Summary of the Invention [Problem to be solved by the invention]

[0008] It is true that the new identity verification method mentioned above will improve the efficiency of the said work. However, even if appropriate tools are introduced, there are still many cases in which financial institution personnel ultimately visually check whether the information shown on the identity documents submitted by the user matches the information entered by the user into the authentication service (e.g. name, address, etc.).

[0009] As a result, the process has not been completely digitized and manual administrative costs continue to be incurred. This situation is also undesirable for users who are hoping for the efficiency of procedures through eKYC, and could lead to a decline in usability.

[0010] Therefore, an object of the present invention is to provide a technique that can improve the efficiency of identity verification work, reduce administrative costs, and improve usability. [Means for solving the problem]

[0011] The personal identification support device of the present invention, which solves the above-mentioned problems, includes a storage device that stores the declaration information of a user who is the subject of personal identification, a process of comparing the declaration information of the user with medium-stored information read from the personal identification medium of the user for each corresponding item to identify items where the information does not match, and The kana notation linked to the specified kanji notation in The medium holding information The kanji in the Check The kana description and the kana candidate are If there is a match, The above kana description and a computing device that executes a process to determine that the confirmation of the item has been successful.

[0012] In addition, the method for supporting identity verification operations of the present invention includes an information processing device including a storage device for storing declared information by a user who is the subject of identity verification, a process for identifying an item in which information does not match by comparing the declared information of the user with medium-stored information read from the identity verification medium of the user for each corresponding item, and a process for identifying the item in which information does not match by comparing the declared information of the item with the medium-stored information read from the identity verification medium of the user for each corresponding item. The kana notation linked to the specified kanji notation in The medium holding information The kanji in the Check The kana description and the kana candidate are If there is a match, The above kana descriptionand determining that the confirmation of the item has been successful. Effect of the Invention

[0013] According to the present invention, it is possible to improve the efficiency of identity verification work, reduce administrative costs, and improve usability. [Brief description of the drawings]

[0014] [Figure 1] 1 is a diagram illustrating a network configuration including an identity verification operation support device according to an embodiment of the present invention. [Diagram 2] 1 is a diagram illustrating an example of a hardware configuration of an identity verification operation support device according to an embodiment of the present invention. [Diagram 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of a user terminal according to the present embodiment. [Figure 4] FIG. 2 is a diagram illustrating an example of the configuration of a declaration information DB according to the present embodiment. [Diagram 5] FIG. 11 is a diagram illustrating an example of the configuration of a personal identification result DB according to the present embodiment. [Figure 6] FIG. 2 is a diagram showing an example of a flow of a method for supporting identity verification operations in the present embodiment. [Figure 7] FIG. 2 is a diagram illustrating an example of a processing concept in the present embodiment. [Figure 8] FIG. 2 is a diagram illustrating an example of a processing concept in the present embodiment. [Figure 9] FIG. 2 is a diagram showing an example of a flow of a method for supporting identity verification operations in the present embodiment. [Figure 10] FIG. 2 is a diagram showing an example of a flow of a method for supporting identity verification operations in the present embodiment. [Figure 11] FIG. 11 is a diagram showing an example of output in this embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] <System configuration> Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. FIG. 1 is a system configuration diagram including an identity verification work support device 100 according to the present embodiment. The device 100 is a computer that makes it possible to improve the efficiency of identity verification operations in financial institutions and the like, reduce administrative costs, and improve usability.

[0016] 1, the identity verification business support device 100 of this embodiment is communicably connected to a user terminal 200 operated by a customer of a financial institution and a financial institution system 300 operated by the financial institution via a network 1. Therefore, these may be collectively referred to as an identity verification business support system 10.

[0017] The personal identification confirmation operation support device 100 of this embodiment can be assumed to be a personal identification operation system operated by a financial institution, or a system operated by a vendor or the like that provides personal identification operation support services to the financial institution.

[0018] On the other hand, the user terminal 200 is a terminal operated by a customer of the above-mentioned financial institution who wishes to carry out a procedure that requires identity verification, such as opening an account. Specifically, a smartphone, a tablet terminal, a personal computer, etc. can be envisioned.

[0019] The financial institution system 300 is a server device used by financial institutions for identity verification operations, and is, for example, a device that manages declaration information received from customers (user terminals 200) who wish to open accounts, etc., and distributes and cooperates with the identity verification operation support device 100 as necessary. In addition, for cases that still require visual inspection by a senior executive even after processing by the identity verification operation support device 100, the financial institution system 300 plays a role of acquiring the information from the identity verification operation support device 100, outputting it to a predetermined system or terminal within the financial institution, and notifying the executive. Of course, the identity verification operation support device 100 may be provided with the configuration and functions of the financial institution system 300, and may take the place of the financial institution system 300. <Hardware configuration> The hardware configuration of the identity verification operation support device 100 of this embodiment is as shown in FIG.

[0020] That is, the personal identification operation support device 100 includes a storage device 101 , a memory 103 , a calculation device 104 , and a communication device 105 .

[0021] Of these, the storage device 101 is configured with an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

[0022] The memory 103 is composed of a volatile storage element such as a RAM.

[0023] The arithmetic unit 104 is a CPU that reads out the program 102 stored in the storage unit 101 into the memory 103 and executes the program, controls the device itself, and performs various types of judgment, calculation, and control processing.

[0024] It is preferable that the above-mentioned program 102 includes a so-called normalization converter 110. Of course, it is also possible to assume a configuration in which the configuration and functions of the normalization converter 110 are included in an external device connectable via the network 1, and the identity verification work support device 100 uses the functions of the normalization converter 110 from the external device.

[0025] The communication device 105 is assumed to be a network interface card or the like that is connected to the network 1 and handles communication processing with the user terminal 200 and the financial institution system 300 .

[0026] In addition, when the personal identification support device 100 is a stand-alone machine that accepts the declaration information from the user and outputs the processing results by itself, the personal identification support device 100 receives key input or voice input from the user. It is preferable that the apparatus further include an input device that accepts a force, and an output device such as a display that displays processed data.

[0027] In addition to the program 102 for implementing the functions required for the personal identification work support device of this embodiment, at least a declaration information DB 125 and a personal identification result DB 126 are stored in the storage device 101. However, details of these databases will be described later.

[0028] 3 shows an example of the hardware configuration of the user terminal 200 in this embodiment. The user terminal 200 in this embodiment is a terminal operated by a customer of a financial institution, i.e., a user, and includes a storage device 201, a memory 203, a calculation device 204, an input / output device 205, a communication device 206, an image capture device 207, and a reader device 208.

[0029] Of these, the storage device 201 is configured with an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

[0030] The memory 203 is composed of a volatile storage element such as a RAM.

[0031] The arithmetic unit 204 is a CPU that reads out the program 202 stored in the storage unit 201 into the memory 203 and executes the program, controls the device itself, and performs various types of judgment, calculation, and control processing.

[0032] The input / output device 205 is a device such as a touch panel that receives input operations from a user and displays the processing results, or may be a collective term for a keyboard, a mouse, a microphone, a display, a speaker, and the like.

[0033] The communication device 206 is assumed to be a network interface card or the like that is connected to the network 1 and handles communication processing with the personal identification device 100 and the financial institution system 300 .

[0034] The photographing device 207 is assumed to be a digital camera unit that photographs media such as a user's identification document, driver's license, or My Number card, and that photographs a selfie image of the user.

[0035] The reader device 208 is an IC chip reader that reads stored information from an IC chip provided in the above-mentioned driver's license, My Number card, or the like of the user. <Data structure example> Next, a description will be given of various information used by the personal identification operation support apparatus 100 of this embodiment. Fig. 4 shows an example of the data configuration of the declaration information DB 125 in this embodiment.

[0036] The report information DB 125 of this embodiment is a database that stores necessary information regarding predetermined procedures such as account opening, which is obtained from the user terminal 200 or the financial institution system 300 regarding the above-mentioned users who are customers of the financial institution. This declaration information DB 125 is a collection of records in which data such as a user's name, the kana spelling of that name, an address, a telephone number, and a selfie image are associated with each other.

[0037] 5 shows an example of the data configuration of the identity confirmation result DB 126 of this embodiment. The identity confirmation result DB 126 of this embodiment is a database that stores the identity confirmation result of each user by the identity confirmation work support device 100.

[0038] This identity verification result DB 126 is a collection of records in which identity verification results are associated with each item, such as the user's name, the kana spelling of the name, address, telephone number, and selfie image. <Flow example 1> The actual procedure of the personal identification service support method in this embodiment will be described below with reference to the drawings. The various operations corresponding to the personal identification service support method described below are realized by a program that the personal identification service support device 100 reads into a memory or the like and executes. This program is composed of codes for performing the various operations described below.

[0039] 6 is a diagram showing an example of a flow of the personal identification service support method in this embodiment. In this case, the personal identification service support device 100 accepts input of declaration information from the user terminal 200 operated by the user, for example, and stores this in the declaration information DB 125 (s10).

[0040] Of course, if the reporting information has been acquired in advance from the financial institution system 300 and stored in the reporting information DB 125 , the personal identification business support apparatus 100 will acquire the reporting information from the reporting information DB 125 of the storage device 101 .

[0041] The above-mentioned declared information includes information such as the user's name (written in kanji), its kana, address, telephone number, and a selfie image.

[0042] The user terminal 200 executes a reading operation using a reader device on, for example, a driver's license presented by the user, obtains information stored in the IC chip (medium-stored information), and transmits the information to the identity verification work support apparatus 100.

[0043] The personal identification support device 100 receives the medium holding information transmitted by the above-mentioned user terminal 200, and stores it in the memory 103 (s11). The medium holding information includes information such as the user's name, address, and telephone number, and the registered face image data of the user.

[0044] Next, the personal identification business support device 100 applies data of, for example, a specific item among the items included in the declaration information obtained in s10 to the normalization converter 110 to normalize the data (s12). This normalization is a process of converting each data included in an address, such as the prefecture name, city / town / village name, town area name, hamlet / block number, house number, etc., and building name, into a predetermined format.

[0045] As a specific example, if the description of the hamlet, block, and house number is "1-2-3", it is converted to "1-chome, 2-3". However, there are unique circumstances regarding building names, and even if an attempt is made to normalize a description such as "A-701", it is not clear whether "A" is the building name, or the whole of "A-701" is the building name, or whether it is "Building A, Room 701", and normalization is not possible. In other words, the personal identification work support device 100 identifies the "building name" as an item that could not be normalized among the declared information (s13).

[0046] Therefore, the personal identification support device 100 extracts alphabetical characters and numbers from the data of the item "building name" in the declaration information and the data of the item "building name" in the medium holding information (s14). In the above example, the alphabetical character "A" and the number "701" are extracted.

[0047] The personal identification operation support apparatus 100 compares the declared information with the medium holding information for each of the alphabetical characters and numbers extracted in s14 (s15).

[0048] As a result of the above-mentioned comparison, if the information of the item "building name" matches the information of the alphabet and the numbers (s16: Y), the personal identification work support device 100 determines that the confirmation of the item is successful, and outputs the final personal identification result (see FIG. 7) by combining it with the comparison results of the other items (s17). The personal identification result is stored in the personal identification result DB 126.

[0049] On the other hand, if the result of the above comparison shows that there is a mismatch in the information between English letters and numbers for the item "building name" (s16:N), the identity verification process support device 100 determines that the verification for that item was unsuccessful, notifies the financial institution system 300 of a verification request (see Figure 8) (s18), and terminates the processing. <Flow example 2> FIG. 9 is an example of a flow of a method for supporting identity verification operations in this embodiment, specifically, a flow diagram showing processing for improving identity verification accuracy while dealing with cases in which there is a difference in the presence or absence of an item between the declared information and the media holding information.

[0050] For example, in the declaration information, the kanji of a name is often linked to the corresponding kana notation, but the information stored on an IC chip such as a driver's license may contain the kanji of a name but not the kana notation.

[0051] In such a case, the personal identification support device 100 converts the kanji of the name "Kawai Kazuo" in the medium information into kana and generates kana candidates such as "Kawai Kazuo," "Kawago Kazuo," "Kawai Tsukatsu," etc. (s20). The number of kana candidates depends on the number of readings of the kanji.

[0052] In addition, the identity verification business support device 100 compares each of the kana candidates obtained in s20 with the kana spelling "Kawaii Kazuo" linked to the kanji spelling of the name "Kawaii Kazuo" in the declaration information, and identifies the kana candidates that match the kana spelling (s21).

[0053] If this specification fails (s22: NG), the personal identification work support apparatus 100 determines that the confirmation of the kana "items" related to the name described above has failed, and ends the process.

[0054] On the other hand, if the above-mentioned specification is successful (s22: OK), the personal identification work support apparatus 100 determines that the confirmation of the kana description item is successful (s23), and transitions the process to s24.

[0055] Next, the identity verification business support device 100 compares the above-mentioned kana notation "Kawai Kazuo" with the kanji notation "Kawai Kazuo" in the medium storage information (s24), such as kanji candidates "Kawai Kazuo," "Kawai Kazuo," "Kawai Kazuo," and "Kawai Kazuo."

[0056] As a result of the above-mentioned comparison, if any of the kanji candidates matches the kanji description (s25: OK), the personal identification support device 100 judges that the check on the item of the kana description "KAWAI KAZUO" is likely successful (s26), and outputs the final personal identification result by combining it with the comparison results on the other items (s27), and ends the process. The personal identification result is stored in the personal identification result DB 126. <Flow example 3> FIG. 10 is a flow diagram showing an example of a method for supporting identity verification operations in this embodiment, and specifically, a flow diagram showing a process for prompting a user to reconfirm and re-input an item that has not been normalized, even if identity verification has failed for that item, as long as the item satisfies certain conditions.

[0057] In this case, the identity verification business support device 100 compares the information "A-701" of the item "building name" that could not be normalized among the above-mentioned declared information with the information of the corresponding item in the media storage information, and determines whether the information contains any partially matching characters or numbers (s30).

[0058] For example, when the number “701” in the information “A-701” for the “Building Name” item in the declared information that could not be normalized is compared with the information “A701” for the corresponding item in the media holding information, the English letter “A” does not match, but it can be determined that it is included in “A701.”

[0059] In this way, if the string of the declaration information contains, for example, English letters or numbers, the string of the same item in the media holding information (s31:Y), the identity verification work support device 100 outputs a notification (see Figure 11) to the user urging them to review the item "Building Name" in the declaration information (s32), and terminates the processing.

[0060] Such judgments and responses can be made as appropriate to replace the task of senior staff at financial institutions visually comparing and verifying declared information with media-held information, resulting in processes that will lead to improved administrative efficiency.

[0061] Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications are possible without departing from the spirit and scope of the present invention.

[0062] According to this embodiment, it is possible to make identity verification operations more efficient, reduce administrative costs, and improve usability.

[0063] The description of this specification makes at least the following clear: That is, in the identity verification work support device of this embodiment, the arithmetic device may compare information of an item that could not be normalized in the declaration information with information of a corresponding item in the medium holding information.

[0064] According to this, in an operation in which information is compared using the results of normalization of addresses, etc., performed by a so-called normalization converter, it will be possible to flexibly deal with situations that previously resulted in a straight conclusion of NG identity verification or the need for visual inspection by a senior manager, etc., and to appropriately automate the identity verification process for the relevant items.

[0065] In addition, in the identity verification business support device of this embodiment, the calculation device, when matching the specific types of characters and numbers, may compare the extracted characters with each other and the numbers with each other, and if the characters and the numbers match, respectively, determine that the verification of the item is successful.

[0066] With this, character strings that could not be normalized are compared against specific characters, such as English letters that are often used to represent buildings such as apartments and buildings, and against numbers that often represent values ​​such as the building number, room number, or floor number of the building. This makes it possible to improve the efficiency of operations by electronically processing even character strings that fail to be normalized.

[0067] In addition, in the identity verification business support device of this embodiment, the calculation device may further execute a process of comparing a kana description linked to a specified kanji description in the declaration information with a kana candidate obtained by kana conversion of the kanji description in the media storage information, and if the kana description and the kana candidate match, determining that the confirmation of the item of the kana description has been successful.

[0068] According to this, the correctness of the user name in kana is based on the correct name indicated by the media information. This allows for accurate confirmation by ensuring a match with kana candidates for the name.

[0069] In addition, in the identity verification business support device of this embodiment, the calculation device may further execute a process of comparing kanji candidates obtained by converting the kana description into kanji with the kanji description in the medium storage information, and if the kanji candidates and the kanji description match, determining that checking the items of the kana description has likely been successful.

[0070] This makes it possible to check with even greater precision whether the kana description of the user's name is correct by ensuring that the kanji candidate matches the correct kanji description of the name indicated by the medium storage information.

[0071] In addition, in the identity verification business support device of this embodiment, the calculation device may further execute a process of outputting a notification to the user urging them to review the item in the declaration information if, as a result of comparing information of an item in the declaration information that could not be normalized with information of a corresponding item in the media holding information, the information contains some matching characters or numbers.

[0072] According to this, for example, when the description of the apartment name or building number in the declaration information is only partially different or omitted, it is possible to guide the user in the right direction by prompting them to check or review the information before immediately deciding that the identity verification is not possible, etc. This is expected to improve the efficiency of the entire identity verification procedure.

[0073] In the personal identification task support method of the present embodiment, the information processing device may compare information on an item that could not be normalized in the declaration information with information on a corresponding item in the medium holding information.

[0074] In addition, in the identity verification work support method of this embodiment, the information processing device, when matching the specific types of characters and numbers, may match the extracted characters with each other and the extracted numbers with each other, and if the characters and the numbers match each other, it may determine that the verification of the item is successful.

[0075] In addition, in the identity verification work support method of this embodiment, the information processing device may compare the kana description linked to a specified kanji description in the declaration information with a kana candidate obtained by kana conversion of the kanji description in the media storage information, and if the kana description and the kana candidate match, further execute a process to determine that the confirmation of the item of the kana description has been successful.

[0076] In addition, in the identity verification work support method of this embodiment, the information processing device may compare kanji candidates obtained by converting the kana description into kanji with the kanji description in the medium storage information, and if the kanji candidates and the kanji description match, further execute a process of determining that checking the items of the kana description has likely been successful.

[0077] In addition, in the identity verification work support method of this embodiment, if the information processing device compares information of an item in the declared information that could not be normalized with information of a corresponding item in the media holding information and finds that the information contains some matching characters or numbers, it may further execute a process of outputting a notification to the user urging them to review the item in the declared information. [Explanation of symbols]

[0078] 1 Network 10. Identity Verification Support System 100 Personal identification support device 101 Storage device 102 Programs 103 Memory 104 Arithmetic equipment 105 Communication equipment 110 Normalization Converter 125 Declaration Information DB 126 Identity Verification Result DB 200 User terminals 201 Storage device 202 Program 203 Memory 204 Arithmetic equipment 205 I / O device 206 Communication Equipment 207 Imaging Equipment 208 Reader Device 300 Financial Institution Systems

Claims

1. A storage device that stores declared information by a user who is a subject of identity verification; a computing device that executes a process of comparing the user's declaration information with the medium storage information read from the user's identity verification medium for each corresponding item to identify items for which the information does not match, and a process of comparing a kana description linked to a predetermined kanji description in the declaration information for that item with a kana candidate obtained by converting the kanji description in the medium storage information into kana, and determining that confirmation of the item with the kana description has been successful if the kana description and the kana candidate match; An identity verification support device comprising:

2. The computing device includes: A process is further executed to compare the kanji candidates obtained by converting the kana description into kanji with the kanji description in the medium storage information, and if the kanji candidates and the kanji description match, to determine that the confirmation of the items in the kana description has likely been successful.

2. The personal identification support device according to claim 1.

3. An information processing device, A storage device is provided for storing declared information by a user who is a subject of identity verification, A process of comparing the user's declaration information with the medium storage information read from the user's identity verification medium for each corresponding item to identify items for which the information does not match, and a process of comparing a kana description linked to a predetermined kanji description in the declaration information for that item with a kana candidate obtained by converting the kanji description in the medium storage information into kana, and if the kana description and the kana candidate match, determining that the confirmation of the item with the kana description has been successful; A method for supporting identity verification operations, comprising:

4. The information processing device, A process is further executed to compare the kanji candidates obtained by converting the kana description into kanji with the kanji description in the medium storage information, and if the kanji candidates and the kanji description match, to determine that the confirmation of the items in the kana description has likely been successful.

4. The method for supporting personal identification work according to claim 3.

Images