Computer, confirmation support method, and program

Abstract

Provided are a confirmation support device, a confirmation support method, and a program, that can support the work of visually inspecting an image of an identity verification document and confirming prescribed confirmation items. The confirmation support device (1) has: a confirmation time acquisition unit (2) that acquires a confirmation time, being the time required by a first verifier visually inspecting an image of an identity verification document and confirming prescribed confirmation items to confirm the prescribed confirmation items; a risk level determination unit (3) that, on the basis of the confirmation time, determines a risk level for possible confirmation mistakes by the first verifier; and an alerting unit (4) that alerts a second verifier on the basis of the risk level, when the second verifier is visually inspecting an image of the identity verification document and checking the prescribed confirmation items.

Description

[Technical field]

[0001] The present disclosure relates to a confirmation assistance device, a confirmation assistance method, and a non-transitory computer-readable medium having a program stored thereon. [Background technology]

[0002] In recent years, eKYC (electronic Know Your Customer) is becoming more and more popular, which allows identity verification procedures to be completed online, instead of face-to-face at a store counter or by mailing documents. In this regard, for example, Patent Document 1 discloses an information processing device operated by an identity verification service provider that provides eKYC services. This information processing device executes online identity verification processing in response to an identity verification request received from a user terminal. When eKYC is used, various benefits can be obtained, such as users being able to complete identity verification procedures online and providers being able to provide quicker services to users since they no longer need to mail documents. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2020 / 246403 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in eKYC, laws and other regulations may require a human to visually verify the information submitted online. This human intervention can take time and introduce the possibility of human error. For this reason, there is a demand for technology to support the visual verification work of the verifying party.

[0005] Therefore, one of the objectives that the embodiments disclosed in this specification aim to achieve is to provide a confirmation support device, a confirmation support method, and a program that can assist in the task of visually inspecting an image of an identification document and confirming specified confirmation items. [Means for solving the problem]

[0006] A confirmation support device according to a first aspect of the present disclosure includes: a confirmation time acquisition means for acquiring a confirmation time required by a first person who visually checks an image of the identification document and confirms predetermined confirmation items; a risk determination means for determining a risk of a confirmation error by the first confirmer based on the confirmation time; a warning means for warning the second person to check the predetermined confirmation items based on the risk level when the second person checks the image of the personal identification document and checks the predetermined confirmation items; has.

[0007] In a confirmation support method according to a second aspect of the present disclosure, The confirmation support device: A confirmation time is acquired, which is a time required for a first confirmer who visually confirms predetermined confirmation items by viewing an image of the identification document, to confirm the predetermined confirmation items; Calculating a risk of a confirmation error by the first confirmer based on the confirmation time; When a second person checks the image of the personal identification document to confirm the specified confirmation items, a warning is given to the second person based on the degree of risk.

[0008] A program according to the third aspect of the present disclosure includes: a confirmation time acquisition step of acquiring a confirmation time required for a first person to confirm predetermined confirmation items by visually checking an image of the identification document; a risk determination step of determining a risk of a confirmation error by the first confirmer based on the confirmation time; a warning step of warning the second person to confirm the predetermined confirmation items based on the risk level when the second person to confirm the predetermined confirmation items visually checks the image of the identification document; to be executed by the computer. Effect of the Invention

[0009] According to the present disclosure, it is possible to provide a confirmation support device, a confirmation support method, and a program that can support the task of visually checking an image of an identification document and confirming specified confirmation items. [Brief description of the drawings]

[0010] [Figure 1] 1 is a block diagram showing an example of a configuration of a confirmation support device according to an embodiment. FIG. [Diagram 2] FIG. 1 is a block diagram showing an example of a configuration of an authentication system. [Diagram 3] FIG. 2 is a block diagram showing an example of a functional configuration of a KYC server. [Figure 4] FIG. 2 is a schematic diagram showing an example of a hardware configuration of a KYC server. [Diagram 5] 11 is a flowchart showing an example of a process flow relating to identity verification. [Figure 6] 13 is a flowchart showing an example of a flow of confirmation by a confirmer. [Figure 7] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 8] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 9] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 10] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 11] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 12] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 13]FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. [Figure 14] FIG. 13 is a schematic diagram showing an example of a screen displayed on a verifying terminal. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] <Outline of the embodiment> Before describing the details of the embodiment, an overview of the embodiment will be described. Fig. 1 is a block diagram showing an example of a configuration of a confirmation support device 1 according to the outline of the embodiment. As shown in Fig. 1, the confirmation support device 1 has a confirmation time acquisition unit 2, a risk determination unit 3, and an attention calling unit 4.

[0012] The confirmation time acquisition unit 2 acquires a confirmation time, which is a time required for a first person who visually checks an image of an identification document and confirms the predetermined confirmation items to confirm the predetermined confirmation items. Note that the acquired confirmation time is, for example, a confirmation time for each confirmation item, but may be a time required to check all confirmation items (total time).

[0013] The risk determination unit 3 determines the risk of a confirmation error by the first checker based on the confirmation time acquired by the confirmation time acquisition unit 2. For example, if the time acquired by the confirmation time acquisition unit 2 is the confirmation time for each confirmation item, the risk determination unit 3 determines the risk for each confirmation item, and if the time acquired by the confirmation time acquisition unit 2 is the total time, the risk determination unit 3 determines the risk for all confirmation items collectively. The risk determination unit 3 may determine the risk using the confirmation result (matching result) by image recognition processing in addition to the confirmation time.

[0014] When the second person checks predetermined confirmation items by visually inspecting the image of the identification document confirmed by the first person, the warning unit 4 issues a warning to the second person based on the risk determined by the risk determination unit 3. Note that, for example, when the risk determination unit 3 determines the risk for each confirmation item, the warning unit 4 issues a warning based on the risk for each confirmation item, and when the risk determination unit 3 determines a collective risk for all confirmation items, the warning unit 4 issues a common warning for all confirmation items.

[0015] According to the confirmation support device 1, the risk level is determined based on the confirmation time by the first confirmer, and a warning is issued to the second confirmer based on this risk level. That is, according to the confirmation support device 1, a warning can be issued to the second confirmer according to the reliability of the confirmation by the first confirmer. Therefore, the second confirmer can perform the confirmation work with appropriate attention. Therefore, it is possible to reduce the occurrence of human error or to efficiently perform the confirmation by the second confirmer. In this way, according to the confirmation support device 1, it is possible to support the work of visually checking the image of the identification document and checking the specified confirmation items.

[0016] <Details of the embodiment> Next, details of the embodiment will be described. FIG. 2 is a block diagram showing an example of the configuration of an authentication system 10 according to the embodiment. As an example, the authentication system 10 shown in FIG. 2 includes a KYC server 100, verifier terminals 201 and 202, an applicant terminal 300, and a Web server 400. In addition to the authentication system 10, an applicant 90 and verifiers 91 and 92 are also shown in FIG. 2 to facilitate understanding. In the example shown in FIG. 2, one applicant terminal 300 is shown, but if there are multiple applicants, there may be multiple applicant terminals 300. In the example shown in FIG. 2, two verifier terminals 201 and 202 are shown for the verifiers 91 and 92, but one verifier terminal 201 may be used by the verifiers 91 and 92.

[0017] The authentication system 10 is a system for verifying the identity of an applicant 90 (also referred to as an end user) by eKYC. The applicant 90 is, for example, a person who applies to open a bank account, but the subject of the application is not limited to opening an account. The applicant 90 is also referred to as a subject. The verifiers 91 and 92 are people who are in charge of verifying the information submitted by the applicant 90. The verifiers 91 and 92 visually verify the information transmitted from the applicant terminal 300. In this embodiment, after verification by the first verifier 91, the second verifier 92 verifies the same verification items as those verified by the verifier 91. In other words, a double check is performed.

[0018] In the authentication system 10, the applicant terminal 300 and the Web server 400 are communicatively connected via a wired or wireless network. The Web server 400 and the KYC server 100 are also communicatively connected via a wired or wireless network. The KYC server 100 and the verifier terminals 201, 202 are also communicatively connected via a wired or wireless network. If necessary, any of the components may be communicatively connected in addition to the above-mentioned connections.

[0019] The Web server 400 is a server that provides a Web page for accepting an application from the applicant 90. The Web server 400 acquires information required for identity verification from the applicant terminal 300 via the Web page. Specifically, the Web server 400 accepts character strings regarding the personal information of the applicant 90 via the Web page. Specifically, the character strings regarding the personal information of the applicant 90 refer to character strings such as the applicant 90's name, address, date of birth, or contact information, but are not limited to these. In addition, the Web server 400 accepts an image of the applicant 90's face via the Web page. In this embodiment, the Web server 400 accepts an image of the applicant 90's face photographed from the front and an image of the face according to a predetermined instruction (instructions regarding the face direction, facial expression, etc.). The image of the face according to the predetermined instruction is an image for determining whether the person whose face is photographed actually exists (so-called liveness determination), and specifically, it is an image of the face photographed from a predetermined direction or an image of the face with a predetermined expression. The character string regarding the personal information of the applicant 90 and the facial image of the applicant 90 transmitted from the applicant terminal 300 are also referred to as subject data. Here, subject data may be defined as data regarding the subject (applicant 90) created by the subject.

[0020] Furthermore, the Web server 400 acquires an image of the identification document via a Web page. Here, the identification document is any document that proves the identity of the applicant 90, and can also be called an identification card. In this embodiment, as an example, the identification document is a driver's license on which a face photo, a name, a date of birth, and an address are written, but the identification document is not limited to this and may be any identification card on which information necessary for identity verification is written. In this embodiment, the identity verification is performed using the face image of the applicant 90 and the personal information of the applicant 90, so the identification document is preferably one on which a face photo and personal information are written. However, when the identity verification is performed using either the face image of the applicant 90 or the personal information of the applicant 90, the identification document may be one on which either the face photo or the personal information is written. The image of the identification document transmitted from the applicant terminal 300 may be referred to as proof data. Here, the proof data may be defined as data that is compared with the subject data to authenticate the above-mentioned subject data.

[0021] The Web server 400 transmits the information received from the applicant terminal 300, i.e., the above-mentioned subject data and certification data, to the KYC server 100.

[0022] The applicant terminal 300 is a terminal device used by the applicant 90, and includes, for example, an input device such as a keyboard and an output device such as a display. The applicant terminal 300 may include a camera capable of photographing the face of the applicant 90. The applicant terminal 300 is, for example, a smartphone, a tablet terminal, a personal computer, or the like. The applicant terminal 300 accesses a web page provided by the web server 400 through the operation of the applicant 90, and transmits information required for identity verification. The applicant terminal 300 transmits personal information of the applicant 90 and an image of the applicant 90's face to the web server 400 in accordance with the applicant 90's operation. In this embodiment, for example, the name, address, and date of birth are transmitted as the personal information, and an image of the applicant 90's face taken from the front and an image of the face in accordance with a predetermined instruction are transmitted as the image of the applicant 90's face. The applicant terminal 300 also transmits an image of the applicant's identity document in accordance with the applicant 90's operation. In this embodiment, for example, images of the identification document transmitted include an image of the front side of the identification document, an image of the back side of the identification document, and an image of the identification document tilted so that the thickness of the identification document can be seen.

[0023] KYC server 100 corresponds to the verification support device 1 in FIG. 1, and is a server that supports identity verification of an application by applicant 90. In this embodiment, KYC server 100 acquires information necessary for identity verification via Web server 400, but may also acquire the information directly from applicant terminal 300. In this case, Web server 400 may be omitted. Furthermore, Web server 400 may be included in KYC server 100. Details of KYC server 100 will be described later.

[0024] The verifier terminals 201 and 202 are terminal devices used by the verifiers 91 and 92, and include, for example, an input device such as a keyboard and an output device such as a display. The verifier terminals 201 and 202 are, for example, smartphones, tablet terminals, personal computers, etc. The verifiers 91 and 92 visually check the information necessary for identity verification transmitted from the applicant terminal 300, confirm the predetermined confirmation items, and input the confirmation results to the verifier terminals 201 and 202. The verifier terminals 201 and 202 transmit the input confirmation results to the KYC server 100. In particular, the verifier terminal 202 used by the verifier 92, who is the second verifier, receives warning information determined according to the risk level determined based on the verification by the first verifier 91. Therefore, the verifier 92 will perform verification by referring to the warning information.

[0025] Next, the KYC server 100 will be described in detail. Fig. 3 is a block diagram showing an example of a functional configuration of the KYC server 100. As shown in Fig. 3, the KYC server 100 includes a data acquisition unit 101, a matching unit 102, a UI control unit 103, a confirmation time acquisition unit 104, a risk determination unit 105, a result output unit 106, and an information storage unit 107.

[0026] The data acquisition unit 101 acquires target data (i.e., a character string regarding personal information of the applicant 90 transmitted from the applicant terminal 300 and an image of the face of the applicant 90) and an image of an identification document. In this embodiment, the data acquisition unit 101 acquires this information from the Web server 400, but as described above, the data acquisition unit 101 may acquire it directly from the applicant terminal 300. The data acquisition unit 101 stores the acquired information in the information storage unit 107.

[0027] The matching unit 102 compares the subject data of the same applicant 90 with the image of the identification document to match them. The matching unit 102 performs image recognition processing to perform matching processing. For example, the matching unit 102 compares a character string of personal information read from the image of the identification document by OCR (Optical Character Recognition) with a character string of personal information input by the applicant 90, and matches them. For example, the matching unit 102 matches a name read from the image of the identification document with a name acquired as the subject data. In this way, the matching unit 102 compares character strings for each attribute of personal information. In addition, the matching unit 102 compares an image of a face photo included in the image of the identification document with an image of a face input by the applicant 90, and matches them by face recognition processing. The matching unit 102 stores the matching result in the information storage unit 107. Specifically, the matching unit 102 calculates a matching rate and stores the calculated matching rate in the information storage unit 107.

[0028] The UI (user interface) control unit 103 provides a user interface for the checker 91 to perform the check. The UI control unit 103 displays the information (image or character string) to be checked on the checker terminals 201 and 202, and accepts input of the check result. In particular, the UI control unit 103 transmits, to the checker terminal 202 used by the checker 92 who is the second checker, information on a call for attention determined according to a risk level determined based on the check by the first checker 91. For this purpose, the UI control unit 103 determines information on a call for attention to be transmitted to the checker terminal 202 for each check item according to a risk level for each check item determined by a risk level determination unit 105 described later. In this embodiment, the UI control unit 103 controls the information on a call for attention to be displayed on the checker terminal 202, but the UI control unit 103 may also control the information on a call for attention to be output by voice on the checker terminal 202. In this manner, in this embodiment, the UI control unit 103 issues a call for attention to the second checker 92 based on the risk level. Therefore, the UI control unit 103 corresponds to the attention calling unit 4 in Fig. 1. A specific example of a screen provided by the UI control unit 103 will be described later.

[0029] The confirmation time acquisition unit 104 corresponds to the confirmation time acquisition unit 2 in FIG. 1. The confirmation time acquisition unit 104 acquires the confirmation time required for the first checker 91 to check the predetermined check items for each check item. For example, the confirmation time acquisition unit 104 acquires the confirmation time required for the first checker 91 to visually check the image of the identification document and check the predetermined check items in order to determine whether the image of the identification document is appropriate. The confirmation time acquisition unit 104 may also acquire the confirmation time required for the first checker 91 to check the predetermined check items by visually comparing the image of the identification document with the subject data. The confirmation time acquisition unit 104 may also acquire the confirmation time required for visually checking the subject data in order to determine whether the subject data (for example, a face image for liveness determination) is appropriate.

[0030] Specifically, for example, the confirmation time acquisition unit 104 measures the time from when the UI control unit 103 displays the information to be confirmed on the checker terminal 201 for confirmation of a specific confirmation item to when the check result is transmitted from the checker terminal 201. Then, the confirmation time acquisition unit 104 acquires the measured time as the confirmation time for the confirmation item. The confirmation time acquisition unit 104 stores the acquired confirmation time in the information storage unit 107.

[0031] The risk determination unit 105 corresponds to the risk determination unit 3 in FIG. 1, and determines the risk of the occurrence of a confirmation error by the first checker 91 for each check item based on the check time for each check item acquired by the check time acquisition unit 104. This risk is an index indicating the level of risk (possibility) of a confirmation error occurring in the first check. In other words, the risk can be said to be an index indicating the level of attention required in the second check. In this embodiment, for a check item for which matching by the matching unit 102 has been obtained, the risk determination unit 105 determines the risk based on the matching result by the matching unit 102 and the check time acquired by the check time acquisition unit 104. For example, the risk determination unit 105 determines that the risk (possibility) of a confirmation error occurring by the first checker 91 is higher as the matching rate in the matching by the matching unit 102 is lower and as the check time is shorter. Also, for example, the risk determination unit 105 may determine the risk as follows. The risk level determination unit 105 may determine that a predetermined warning is required for the second checker 92 when the matching rate in the matching by the matching unit 102 is equal to or less than a predetermined reference value but the confirmation time is less than a predetermined time. In addition, at this time, the risk level determination unit 105 may determine that the shorter the confirmation time, the stronger the warning is required. The above-mentioned predetermined reference value and the predetermined time may be set by the risk level determination unit 105 through statistical analysis of past data. For example, when the matching rate calculated by the matching unit 102 is equal to or less than 50% and the confirmation time is equal to or less than 5 seconds, a threshold value for determining the risk level may be set using statistical data such as an 80% probability that the confirmation result is corrected by double checking. Furthermore, for confirmation items for which matching by the matching unit 102 has not been obtained, the risk level determination unit 105 determines the risk level based on the confirmation time acquired by the confirmation time acquisition unit 104. For example, in this case, the risk level determination unit 105 determines that the shorter the confirmation time, the higher the risk (possibility) of a confirmation error by the first checker 91. In addition, even for confirmation items that have not been matched by the matching unit 102, the risk determination unit 105 may determine whether or not a specified warning is necessary for the second checker 92, using a threshold value set using statistical data, as described above.

[0032] The result output unit 106 outputs the result (authentication result) of the identity verification of the applicant 90 (subject). The result output unit 106 outputs the result to any device. For example, the result output unit 106 may output the result to the verifier terminals 201, 202, may transmit the result to the applicant terminal 300, or may transmit the result to the Web server 400. Note that the result output unit 106 may output the result to a device other than these.

[0033] Here, in this embodiment, when the result of matching between the subject data and the image of the identification document by the matching unit 102 does not satisfy a predetermined standard, the result output unit 106 outputs the result of identity confirmation according to the confirmation results by the first verifyer 91 and the second verifyer 92. On the other hand, when the result of matching between the subject data and the image of the identification document by the matching unit 102 satisfies a predetermined standard, the result output unit 106 outputs the result of identity confirmation according to the matching result. That is, in this case, the result of identity confirmation is output without confirmation by the verifyers 91 and 92. That is, in this case, the confirmation work of the verifyers 91 and 92 can be omitted. This makes it possible to reduce the cost of confirmation work by humans. Here, the case where the matching result satisfies the predetermined standard may specifically be the case where the matching rate calculated by the matching unit 102 is equal to or greater than a predetermined pass threshold, or may be the case where the matching rate calculated by the matching unit 102 is less than a predetermined fail threshold. For example, when the matching rate calculated by the matching unit 102 is equal to or greater than a predetermined pass threshold, the result output unit 106 outputs a result indicating that identity confirmation has been successful. Also, for example, the result output unit 106 outputs a result indicating that identity verification has failed when the matching rate calculated by the matching unit 102 is less than a predetermined failure threshold. Note that these thresholds may be set using statistical data on identity verifications performed in the past.

[0034] The information storage unit 107 stores the information acquired by the data acquisition unit 101 (subject data and image of the identification document), the matching result by the matching unit 102, the confirmation time acquired by the confirmation time acquisition unit 104, etc. The information storage unit 107 stores these pieces of information for the same applicant 90 in association with each other. The stored information is referenced for processing by each component of the KYC server 100. The information storage unit 107 may also store statistical data used to set the above-mentioned thresholds.

[0035] Next, a description will be given of a hardware configuration of the KYC server 100. Fig. 4 is a schematic diagram showing an example of a hardware configuration of the KYC server 100. As shown in Fig. 4, the KYC server 100 includes a network interface 151, a memory 152, and a processor 153.

[0036] The network interface 151 is used to communicate with any other device and may include, for example, a network interface card (NIC).

[0037] The memory 152 is configured, for example, by a combination of a volatile memory and a non-volatile memory. The memory 152 is used to store a program including one or more instructions executed by the processor 153, and data used for various processes of the KYC server 100. The information storage unit 107 may be realized by the memory 152, or may be realized by any other storage.

[0038] The processor 153 reads out and executes a program from the memory 152 to perform processing of each component shown in Fig. 3. The processor 153 may be, for example, a microprocessor, a microprocessor unit (MPU), or a central processing unit (CPU). The processor 153 may include multiple processors.

[0039] In this way, the KYC server 100 has a function as a computer. The applicant terminal 300, the Web server 400, and the verifying terminals 201 and 202 may also have a processor and a memory, and have a function as a computer. Therefore, the functions of these devices may be realized by the execution of a program by a processor.

[0040] The program also includes a set of instructions (or software code) that, when loaded into a computer, causes the computer to perform one or more functions described in the embodiments. The program may be stored in a non-transitory computer-readable medium or a tangible storage medium. By way of example and not limitation, the computer-readable medium or tangible storage medium includes random-access memory (RAM), read-only memory (ROM), flash memory, solid-state drive (SSD) or other memory technology, CD-ROM, digital versatile disc (DVD), Blu-ray (registered trademark) disk or other optical disk storage, magnetic cassette, magnetic tape, magnetic disk storage or other magnetic storage device. The program may be transmitted on a transitory computer-readable medium or communication medium. By way of example and not limitation, the transitory computer-readable medium or communication medium includes electrical, optical, acoustic, or other forms of propagated signals.

[0041] Next, the flow of processing related to identity verification in this embodiment will be described. Fig. 5 is a flowchart showing an example of the flow of processing related to identity verification. Note that the flow of the flowchart shown in Fig. 5 is merely an example, and the order of each step is not limited to the order shown in Fig. 5, and may be changed. Below, the flow of processing will be described with reference to Fig. 5.

[0042] In step S100, the data acquisition unit 101 acquires the subject data (that is, a character string regarding the personal information of the applicant 90 transmitted from the applicant terminal 300, and an image of the face of the applicant 90) and an image of the personal identification document.

[0043] Next, in step S101, the matching unit 102 compares the subject data acquired in step S100 with the image of the personal identification document to match them.

[0044] Next, in step S102, the matching unit 102 judges whether or not the matching result in step S101 satisfies a predetermined criterion. If the matching result satisfies the predetermined criterion, the process proceeds to step S103. Then, in step S103, the result output unit 106 outputs the result of identity verification according to the matching result. Then, the identity verification process for the applicant 90 to be judged is terminated. In this case, the verification by the first verifying person 91 and the second verifying person 92 is omitted. On the other hand, if the matching result does not satisfy the predetermined criterion, the process proceeds to step S104 to obtain the verification results by the first verifying person 91 and the second verifying person 92.

[0045] In step S104, the UI control unit 103 displays the information to be checked on the checker terminal 201 and receives an input of the check result. In this way, the UI control unit 103 acquires the check result by the first checker 91.

[0046] Next, in step S105, the confirmation time acquisition unit 104 acquires the confirmation time of the confirmation by the first checker 91 performed in step S104.

[0047] Next, in step S106, the UI control unit 103 determines whether or not the first checker 91 has finished checking all the check items. If there are any check items that have not been checked, the process returns to step S104, and the check results for the check items that have not been checked are obtained. Then, in step S105, the check time for this check item is obtained. If the first checker 91 has finished checking all the check items, the process proceeds to step S107.

[0048] Here, the flow of confirmation by the checker 91 and the checker 92 in this embodiment will be described. Fig. 6 is a flowchart showing an example of the flow of confirmation by the checker 91 and the checker 92. Each step shown in Fig. 6 corresponds to each confirmation item. That is, in this embodiment, as an example, confirmation is performed for six confirmation items as shown in Fig. 6.

[0049] In this embodiment, first, in step S1, verifiers 91 and 92 visually verify the front of the identification document. That is, the item to be verified in step S1 is whether or not the front of the identification document is appropriate. This verification is performed by visually verifying the image of the front of the identification document. Verifiers 91 and 92 verify whether or not the front of the identification document is appropriate by visually verifying various predetermined points. The various points include, for example, whether an official seal is attached, whether the expiration date has not expired, etc.

[0050] For the confirmation item in step S1, in step S104 of the flowchart in Fig. 5, the UI control unit 103 controls so that, for example, a screen as shown in Fig. 7 is displayed on the checker terminal 201. The checker 91 visually checks such a screen and inputs the confirmation result. At this time, the time taken for the confirmation is acquired in step S105.

[0051] Next, in step S2, verifiers 91 and 92 visually check the back side of the identification document. That is, the item to be checked in step S2 is whether the back side of the identification document is appropriate. This check is performed by visually checking the image of the back side of the identification document. Verifiers 91 and 92 visually check various predetermined points to check whether the back side of the identification document is appropriate.

[0052] For the confirmation items in step S2, in step S104 of the flowchart in Fig. 5, the UI control unit 103 controls so that, for example, a screen as shown in Fig. 8 is displayed on the checker terminal 201. The checker 91 visually checks such a screen and inputs the confirmation result. At this time, the time taken for the confirmation is acquired in step S105.

[0053] Next, in step S3, the verifyers 91 and 92 visually verify the thickness of the identification document. That is, the item to be verified in step S3 is whether or not the thickness of the identification document is appropriate. This verification is performed by visually verifying an image of the identification document photographed at an angle. The verifyers 91 and 92 visually verify various predetermined points to verify whether or not the thickness of the identification document is appropriate.

[0054] For the confirmation item in step S3, in step S104 of the flowchart in Fig. 5, the UI control unit 103 controls so that, for example, a screen as shown in Fig. 9 is displayed on the checker terminal 201. The checker 91 visually checks such a screen and inputs the confirmation result. At this time, the time taken for the confirmation is acquired in step S105.

[0055] Next, in step S4, the verifiers 91 and 92 visually check the facial photograph of the applicant 90. That is, the item to be checked in step S4 is whether the image of the front of the face submitted by the applicant 90 is appropriate. This check is performed by visually checking the image of the front of the face submitted by the applicant 90 and the facial photograph image on the identification document. The verifiers 91 and 92 visually check various predetermined points to check whether the image of the front of the face submitted by the applicant 90 is appropriate. In particular, the verifiers 91 and 92 check whether the person in the image of the front of the face submitted by the applicant 90 is the same person as the person in the facial photograph on the identification document.

[0056] In response to the confirmation item in step S4, in step S104 of the flowchart in FIG. 5, the UI control unit 103 controls so that, for example, a screen as shown in FIG. 10 is displayed on the verifying terminal 201. As shown in FIG. 10, the UI control unit 103 may display the result of the matching by the matching unit 102, that is, the match rate between the face in the image submitted by the applicant 90 and the face written on the personal identification document, on the screen. In other words, the verifying person 91 may make the confirmation while referring to the displayed match rate. The verifying person 91 visually checks such a screen and inputs the confirmation result. At this time, the time taken for the confirmation is acquired in step S105. The acquired confirmation time and the result of the matching by the matching unit 102 are stored in association with each other in the information storage unit 107.

[0057] Next, in step S5, the verifyers 91 and 92 visually verify the liveness photo (photo for liveness judgment) of the applicant 90. That is, the verification item in step S5 is to verify whether the face image for liveness judgment submitted by the applicant 90 is appropriate. This verification is performed by visually verifying the face image for liveness judgment submitted by the applicant 90, that is, the face image according to a predetermined instruction. The verifyers 91 and 92 verify whether the face image for liveness judgment submitted by the applicant 90 is appropriate by visually verifying various predetermined points. In particular, the verifyers 91 and 92 verify whether the person in the image of the front of the face submitted by the applicant 90 is the same person as the person in the face image for liveness judgment. The verifyers 91 and 92 also verify whether the image submitted satisfies the instructions regarding the face direction or facial expression.

[0058] In step S104 of the flowchart in FIG. 5, the UI control unit 103 controls the checker terminal 201 to display, for example, a screen as shown in FIG. 11 for the check item in step S5. As shown in FIG. 11, the UI control unit 103 may display the result of the check by the check unit 102, that is, the matching rate between the face in the image submitted by the applicant 90 and the face on the personal identification document on the screen. The check unit 102 may also determine whether the face image for liveness judgment matches the instruction, and the UI control unit 103 may display the matching rate indicating the degree to which the face image for liveness judgment satisfies the instruction on the screen, as shown in FIG. 11. In this way, the checker 91 may check while referring to the displayed matching rate. The checker 91 visually checks such a screen and inputs the check result. At this time, the time taken for the check is acquired in step S105. The acquired check time and the check result by the check unit 102 are stored in association with each other in the information storage unit 107.

[0059] Next, in step S6, verifiers 91 and 92 visually verify the personal information of applicant 90. That is, the verification item in step S6 is to verify whether the personal information submitted by applicant 90 is appropriate. This verification is performed by visually verifying the character string of the personal information entered by applicant 90 and the character string of the personal information on the identity verification document. Verifiers 91 and 92 verify whether the personal information submitted by applicant 90 is appropriate by visually verifying various predetermined points. For example, verifiers 91 and 92 verify whether the character string of the personal information submitted by applicant 90 matches the character string extracted by OCR from the identity verification document.

[0060] In step S104 of the flowchart in FIG. 5, the UI control unit 103 controls the confirmation item in step S6 so that, for example, a screen as shown in FIG. 12 is displayed on the verifying terminal 201. In the example shown in FIG. 12, the UI control unit 103 displays on the screen a table in which the character strings of the personal information input by the applicant 90 and the character strings of the personal information read by OCR from the identification document are arranged by attribute, and an image of the identification document. The UI control unit 103 may display on the screen the result of the verification of the character strings of the personal information by the verification unit 102, that is, the match rate between the character strings of the input personal information and the character strings of the personal information read by OCR from the identification document. In this way, the verifying person 91 may perform the verification while referring to the displayed match rate. The verifying person 91 visually checks such a screen and inputs the verification result. At this time, the time taken for the verification is acquired in step S105. The acquired verification time and the verification result by the verification unit 102 are stored in association with each other in the information storage unit 107.

[0061] In this manner, in this embodiment, a plurality of confirmation items are checked in order, and the check time is acquired for each confirmation item. Note that the flow of the flowchart shown in FIG. 6 is merely an example, and the order of each step is not limited to the order shown in FIG. 6, and may be changed.

[0062] Returning to the flowchart in FIG. 5, the operations from step S107 onwards will be described. In step S107, the risk determination unit 105 determines the risk of a confirmation error by the first checker 91 for each confirmation item. For example, for each confirmation item in steps S1, S2, and S3 in FIG. 6, the risk determination unit 105 determines the risk based on the confirmation time acquired by the confirmation time acquisition unit 104. Also, for each confirmation item in steps S4, S5, and S6 in FIG. 6, the risk determination unit 105 determines the risk based on the confirmation time acquired by the confirmation time acquisition unit 104 and the collation result by the collation unit 102. In the example shown in FIG. 5, the risk determination unit 105 determines the risk of each confirmation item after the first checker 91 finishes checking all the confirmation items, but the risk determination for the confirmation item may be performed each time the confirmation of the confirmation item is finished.

[0063] Next, in step S108, the UI control unit 103 determines the contents of a warning for the second checker 92 for each check item according to the risk level for each check item determined by the risk level determination unit 105. For example, the UI control unit 103 determines the contents of the warning so that a stronger warning is provided to the checker 92 as the risk level increases.

[0064] Next, in step S109, the UI control unit 103 acquires the confirmation result by the second checker 92. Note that the UI control unit 103 may output a notification requesting confirmation by the second checker 92 prior to this. In order to acquire the second check result, the UI control unit 103 controls so that a screen similar to the screen displayed when acquiring the check result by the first checker 91 is displayed on the checker terminal 202. However, the UI control unit 103 further displays the contents of the alert determined in step S108 on the screen of each check item for the second checker 92. For example, the UI control unit 103 displays a screen shown in FIG. 13, a screen shown in FIG. 14, or the like according to the determined risk level. Note that FIG. 13 is an example of a screen when the risk level is low, and a message M1 is displayed as a message of alert. Also, FIG. 14 is an example of a screen when the risk level is high, and a message M2 is displayed as a message of alert.

[0065] After step S109, the process proceeds to step S110. In step S110, the UI control unit 103 determines whether or not the second checker 92 has finished checking all the check items. If there are any check items that have not been checked, the process returns to step S109, and the check results for the check items that have not been checked are acquired. If the second checker 92 has finished checking all the check items, that is, if the six check items shown in FIG. 6 have been checked, the process proceeds to step S111.

[0066] In step S111, the result output unit 106 outputs a result of identity verification based on the verification results by the first verifyer 91 and the second verifyer 92. For example, the result output unit 106 outputs a result indicating that identity verification was successful when the first verifyer 91 and the second verifyer 92 have determined that all verification items are appropriate, and outputs a result indicating that identity verification has failed in other cases. Note that the result indicating that identity verification has failed may indicate the verification items that were determined to be inappropriate, or may indicate the reasons why they were determined to be inappropriate.

[0067] As described above, in this embodiment, when the second checker 92 performs the check, a warning is issued based on the determined risk level. This allows the second checker 92 to perform the check with appropriate attention. This makes it possible to reduce the occurrence of human error or to perform the check by the second checker 92 efficiently. Furthermore, in this embodiment, when the collation result by the collation unit 102 satisfies a predetermined standard, the check by the checkers 91 and 92 can be omitted and the result of the identity confirmation can be obtained. This makes it possible to reduce the cost of the confirmation work.

[0068] Although the present invention has been described above with reference to the embodiment, the present invention is not limited to the above. Various modifications that can be understood by those skilled in the art can be made to the configuration and details of the present invention within the scope of the invention.

[0069] A part or all of the above-described embodiments can be described as, but is not limited to, the following supplementary notes. (Appendix 1) a confirmation time acquisition means for acquiring a confirmation time required by a first person who visually checks an image of the identification document and confirms predetermined confirmation items; a risk determination means for determining a risk of a confirmation error by the first confirmer based on the confirmation time; a warning means for warning the second person to check the predetermined confirmation items based on the risk level when the second person checks the image of the personal identification document and checks the predetermined confirmation items; A confirmation support device having the above configuration. (Appendix 2) A data acquisition means for acquiring subject data, which is data about the subject created by the subject, and an image of the personal identification document; A verification means for comparing and verifying the subject data with the image of the identification document; and the confirmation time acquisition means acquires the confirmation time required for the first confirmer to confirm the predetermined confirmation items by visually comparing the image of the personal identification document with the target data, The risk determination means determines the risk based on the confirmation time and a result of matching the subject data with an image of the personal identification document. 2. A verification assistance device as described in appendix 1. (Appendix 3) The method further comprises: outputting a result of the subject's identity verification; The result output means outputs a result of identity verification of the subject according to the result of the verification when the result of the verification between the subject data and the image of the identification document satisfies a predetermined standard, and outputs a result of identity verification of the subject according to the verification results by the first verifying person and the second verifying person when the result of the verification between the subject data and the image of the identification document does not satisfy the predetermined standard. 3. A verification assistance device as described in appendix 2. (Appendix 4) the confirmation time acquisition means acquires the confirmation time for each of the predetermined confirmation items, The risk determination means calculates the risk for each of the predetermined confirmation items, The warning means issues a warning to the second person to check based on the degree of risk for each of the predetermined check items. 4. A confirmation assistance device according to any one of claims 1 to 3. (Appendix 5) The subject data includes an image of the subject's face. 4. A confirmation assistance device according to claim 2 or 3. (Appendix 6) The subject data includes a character string regarding personal information of the subject. 4. A confirmation assistance device according to claim 2 or 3. (Appendix 7) The confirmation support device: A confirmation time is acquired, which is a time required for a first confirmer who visually confirms predetermined confirmation items by viewing an image of the identification document, to confirm the predetermined confirmation items; Calculating a risk of a confirmation error by the first confirmer based on the confirmation time; When a second person checks the image of the personal identification document and checks the predetermined confirmation items, a warning is given to the second person based on the risk level. How to help confirm. (Appendix 8) a confirmation time acquisition step of acquiring a confirmation time required for a first person to confirm predetermined confirmation items by visually checking an image of the identification document; a risk determination step of determining a risk of a confirmation error by the first confirmer based on the confirmation time; a warning step of warning the second person to confirm the predetermined confirmation items based on the risk level when the second person to confirm the predetermined confirmation items visually checks the image of the identification document; A non-transitory computer-readable medium on which a program for causing a computer to execute the program is stored. [Explanation of symbols]

[0070] 1. Verification support device 2 Confirmation time acquisition section 3. Risk Assessment Section 4 Alert section 10 Authentication System 90 Applicants 91 Confirmed 92 Confirmed 100 KYC Server 101 Data Acquisition Section 102 Collation unit 103 UI control section 104 Confirmation time acquisition unit 105 Risk Assessment Department 106 Result output section 107 Information storage section 151 Network Interface 152 Memory 153 processors 201 Confirmer terminal 202 Confirmer terminal 300 Applicant terminal 400 Web Server

Claims

1. A computer for outputting warning information, a confirmation time acquisition means for acquiring a confirmation time, which is a time required for a first person to visually confirm predetermined confirmation items by checking an image of an identification document, by measuring a time from when information to be confirmed for the predetermined confirmation items is displayed on a terminal device used by the first person to confirm the predetermined confirmation items until when a confirmation result is transmitted from the terminal device, and storing the acquired confirmation time in an information storage unit; a risk determination means for calculating a risk of a confirmation error by the first confirmer according to the confirmation time stored in the information storage unit; a warning means for determining warning information for the second person to verify the predetermined verification items by visually checking the image of the personal identification document according to the risk level, and controlling the determined warning information to be displayed or output as a voice on a terminal device used by the second person to verify the predetermined verification items; having In the calculation of the risk level, the shorter the confirmation time, the higher the risk level is calculated. computer.

2. A data acquisition means for acquiring subject data, which is data about the subject created by the subject, and an image of the personal identification document; A verification means for comparing and verifying the subject data with the image of the identification document; and the confirmation time acquisition means acquires the confirmation time required by the first confirmer to confirm the specified confirmation items by visually comparing the image of the personal identification document with the subject data by measuring the time from when information to be confirmed for the specified confirmation items is displayed on the terminal device used by the first confirmer to when a confirmation result is transmitted from the terminal device; the risk determination means calculates the risk according to the confirmation time stored in the information storage unit and a matching rate in the matching, In the calculation of the risk, A process of calculating the risk level, the risk level being higher as the confirmation time is shorter and the match rate is lower; Or, A process of calculating the degree of risk indicating that a predetermined warning is necessary when the matching rate in the comparison is equal to or less than a predetermined reference value and the confirmation time is shorter than a predetermined time. will be carried out The computer of claim 1.

3. The method further comprises: outputting a result of the subject's identity verification; The result output means outputs a result of identity verification of the subject according to a result of the verification when a result of the verification between the subject data and the image of the personal identification document satisfies a predetermined standard. The computer of claim 2.

4. the confirmation time acquisition means acquires the confirmation time for each of the predetermined confirmation items, The risk determination means calculates the risk for each of the predetermined confirmation items, The warning means determines the warning information according to the degree of risk for each of the predetermined confirmation items. A computer according to any one of claims 1 to 3.

5. The subject data includes an image of the subject's face.

4. A computer according to claim 2 or 3.

6. The subject data includes a character string regarding personal information of the subject.

4. A computer according to claim 2 or 3.

7. A computer comprising: a confirmation time, which is the time required for a first person to visually confirm predetermined confirmation items by checking an image of an identification document, is obtained by measuring the time from when the information to be confirmed for the confirmation of the predetermined confirmation items is displayed on a terminal device used by the first person to when a confirmation result is transmitted from the terminal device, and the obtained confirmation time is stored in an information storage unit; calculating a risk of a confirmation error by the first confirmer according to the confirmation time stored in the information storage unit; When a second person confirms the predetermined confirmation items by visually checking an image of the personal identification document, determining information to be issued to the second person in accordance with the degree of risk, and controlling the determined information to be issued to the second person in accordance with the risk level so as to be displayed or output as audio on a terminal device used by the second person; In the calculation of the risk level, the shorter the confirmation time, the higher the risk level is calculated. How to help confirm.

8. a confirmation time acquisition step of acquiring a confirmation time, which is a time required for a first person to confirm predetermined confirmation items by visually checking an image of the identification document and confirming the predetermined confirmation items, by measuring a time from when information to be confirmed for the predetermined confirmation items is displayed on a terminal device used by the first person to when a confirmation result is transmitted from the terminal device, and storing the acquired confirmation time in an information storage unit; a risk determination step of calculating a risk of a confirmation error by the first confirmer according to the confirmation time stored in the information storage unit; a warning step of determining warning information for the second person to verify the predetermined verification items by visually checking the image of the personal identification document, in accordance with the degree of risk, and controlling a terminal device used by the second person to display or output the determined warning information by voice; Run the following on your computer: In the risk determination step, the risk is calculated to be higher as the confirmation time is shorter. program.

Images