Card management system, card management method, and program

Abstract

To provide a card management system, a card management method, and a program capable of reducing the risk of a card issued in an unactivated state being misused. [Solution] The card management system includes a memory unit that stores first identification information that uniquely identifies an application for issuance of a card to a service for issuing a card, an identification document with a first image of the applicant's appearance taken at the time of the application for issuance, and an image of the identification document with a second image of the applicant's appearance, in association with each other; an activation information acquisition unit that acquires a third image of the card recipient taken during the activation procedure and the input second identification information when the activation procedure is performed; a memory information acquisition unit that acquires from the memory unit the second image of the appearance that is associated with the first identification information that is identical to the second identification information; and an activation comparison unit that compares the second image of the appearance with the third image of the appearance and determines whether the applicant and recipient are the same.

Description

[Technical field]

[0001] The present invention relates to a card management system, a card management method, and a program. [Background technology]

[0002] Conventionally, in services that issue cards such as credit cards and cash cards, a card is issued when a user applies for the issuance of the card, and the card is sent to the user (hereinafter also referred to as the "applicant") who applied for the issuance of the card in a usable state (i.e., activated state). Therefore, the user (hereinafter also referred to as the "recipient") who receives the card can use the card immediately.

[0003] However, if the card is sent in an activated state, it can be used even if it is received by a person other than the applicant, and there is a possibility that the card may be misused. Therefore, it is conceivable that the card may be sent to the user in an unusable state (i.e., in an unactivated state) and the user may then activate the card themselves upon receiving it, or a card company employee may activate the card upon request from the user.

[0004] For credit card services used on communication terminals such as smartphones, a technology has been proposed in which the user himself / herself performs activation, as in the technology of Patent Document 1 below. In this technology, the user requests an application screening for the credit card service from the user terminal. If the application screening is passed, activation information for enabling the application of the credit card service is sent to the user terminal of the user. The user performs activation using the received activation information. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2019-145071 A Summary of the Invention [Problem to be solved by the invention]

[0006] However, in services where a card is physically issued, it is difficult to prove the identity of the applicant and the recipient. Therefore, even if the technology in which the user activates the card themselves, as in Patent Document 1, is applied to the service and the card is sent to the user in an unactivated state, if the card arrives at a recipient other than the applicant, there is a risk that the card will be misused.

[0007] In view of the above-mentioned problems, an object of the present invention is to provide a card management system, a card management method, and a program that can reduce the risk of a card issued in an unactivated state being misused. [Means for solving the problem]

[0008] In order to solve the above problems, a card management system according to one aspect of the present invention comprises: an application matching information acquisition unit that acquires an identification document image obtained by photographing an identification document to which a first facial image showing the appearance of an applicant is attached at the time of applying for card issuance, and a second facial image obtained by photographing the appearance of the applicant at the time of applying for card issuance; a procedure processing unit that executes an enrollment procedure when it is determined that the person shown in the first facial image is the same as the person shown in the second facial image, and executes a card issuance process to issue a card in an unactivated state and send it to the applicant after the enrollment procedure is completed; an activation matching result acquisition unit that acquires a matching result indicating whether the person shown in the second facial image is the same as the person shown in a third facial image of a recipient who will receive the sent card; and an activation processing unit that activates the card received by the recipient when it is determined that the applicant and the recipient are the same by matching the second facial image with the third facial image. Equipped with.

[0009] A card management method according to one aspect of the present invention includes: an application matching information acquisition step in which an application matching information acquisition unit acquires an identification document image obtained by photographing an identification document to which a first facial image showing the appearance of an applicant is attached at the time of applying for card issuance, and a second facial image obtained by photographing the appearance of the applicant at the time of applying for card issuance; a procedure processing step in which a procedure processing unit executes an enrollment procedure when it is determined that the person shown in the first facial image is the same as the person shown in the second facial image, and executes a card issuance process to issue a card in an unactivated state and send it to the applicant after the enrollment procedure is completed; an activation matching result acquisition step in which an activation matching result acquisition unit acquires a matching result indicating whether the person shown in the second facial image is the same as the person shown in a third facial image of a recipient who will receive the sent card; and an activation processing step in which an activation processing unit activates the card received by the recipient when it is determined that the applicant and the recipient are the same by comparing the second facial image with the third facial image. Includes.

[0010] A program according to one aspect of the present invention includes: an application matching information acquisition means for acquiring an identification document image obtained by photographing an identification document to which a first facial image showing the appearance of an applicant is attached at the time of applying for card issuance, and a second facial image obtained by photographing the appearance of the applicant at the time of applying for card issuance; a procedure processing means for executing an enrollment procedure when it is determined that the person shown in the first facial image is the same as the person shown in the second facial image, and for executing a card issuance process to issue a card in an unactivated state and send it to the applicant after the enrollment procedure is completed; an activation matching result acquisition means for acquiring a matching result indicating whether the person shown in the second facial image is the same as the person shown in a third facial image of a recipient who will receive the sent card; and an activation processing means for activating the card received by the recipient when it is determined that the applicant and the recipient are the same by matching the second facial image with the third facial image. Function as. Effect of the Invention

[0011] According to the present invention, it is possible to reduce the risk that a card issued in an unactivated state will be misused. [Brief description of the drawings]

[0012] [Figure 1]1 is a block diagram showing an example of a configuration of a card issuing system according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a diagram showing an overview of a matching process according to an embodiment of the present invention. [Diagram 3] 2 is a block diagram showing an example of a functional configuration of an applicant terminal according to an embodiment of the present invention. FIG. [Figure 4] FIG. 2 is a block diagram showing an example of a functional configuration of a recipient terminal according to an embodiment of the present invention. [Diagram 5] 4 is a block diagram showing an example of a functional configuration of a card company terminal according to the embodiment of the present invention. FIG. [Figure 6] 2 is a block diagram showing an example of a functional configuration of an application reception server according to an embodiment of the present invention. FIG. [Figure 7] 2 is a block diagram showing an example of a functional configuration of a matching server according to an embodiment of the present invention. FIG. [Figure 8] FIG. 11 is a sequence diagram showing an example of a processing flow in a membership application process according to an embodiment of the present invention. [Figure 9] FIG. 2 is a sequence diagram showing a process flow in an activation procedure according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In this embodiment, an example will be described in which the specific type of card is a credit card. Therefore, the service that issues the card is a service that issues a credit card (hereinafter also referred to as a "credit card issuing service"), and the business that issues the card is a credit card company (hereinafter also referred to as a "card company"). In this embodiment, the credit card is issued in an unusable state (i.e., in an unactivated state) and sent to the user. The type of card is not limited to a credit card, and may be a cash card, a debit card, etc. Furthermore, the name of the service for which the card is issued and the name of the card company may vary depending on the type of card.

[0014] <<1. Card issuing system configuration>> The configuration of a card issuing system according to an embodiment of the present invention will be described with reference to Figures 1 and 2. Figure 1 is a block diagram showing an example of the configuration of a card issuing system according to an embodiment of the present invention. The card issuing system 1 shown in Fig. 1 is a system for issuing cards. In this embodiment, the type of card is a credit card, so the object of the card issuing system is a credit card. Note that the object of the card issuing system may change depending on the type of card. As shown in FIG. 1, a card issuing system 1 according to this embodiment includes an applicant terminal 10, a recipient terminal 20, a card company terminal 30, and a card management system 40.

[0015] (1) Applicant terminal 10 The applicant terminal 10 is a terminal operated by a user (hereinafter also referred to as "applicant") who has applied for a credit card to be issued to a credit card issuing service (hereinafter also referred to as "card issuance application"). The applicant terminal 10 according to this embodiment is, for example, a smartphone. Note that the applicant terminal 10 is not limited to a smartphone, and may be a tablet terminal or a PC (Personal Computer), etc. The applicant terminal 10 is communicably connected to a card company terminal 30 and a card management system 40 via a network NW.

[0016] A credit card is issued, for example, when an application for new membership to a credit card issuing service, an application for reissue of a credit card, an application for renewal of a credit card, etc. is accepted. Therefore, an application for issuance of a credit card includes an application for membership, an application for reissue, an application for renewal, etc. In the following, in this embodiment, an example will be described in which an application for issuance of a credit card is an application for membership (hereinafter also referred to as a "membership application").

[0017] (2) Recipient terminal 20 The recipient terminal 20 is a terminal operated by a user (hereinafter also referred to as "recipient") who receives a credit card issued and sent by a card company. The recipient terminal 20 according to this embodiment is, for example, a smartphone. Note that the recipient terminal 20 is not limited to a smartphone, and may be a tablet terminal, a PC, or the like. The recipient terminal 20 is communicably connected to a card company terminal 30 and a card management system 40 via a network NW.

[0018] The applicant terminal 10 and the recipient terminal 20 may be the same terminal or different terminals, regardless of whether the applicant and the recipient are the same person. In the following description of the present embodiment, if the applicant and the recipient are the same person, the applicant terminal 10 and the recipient terminal 20 are the same terminal, and if the applicant and the recipient are different people, the applicant terminal 10 and the recipient terminal 20 are different terminals.

[0019] (3) Card company terminal 30 The card company terminal 30 is a terminal operated by a person in charge of the card company. The card company terminal 30 according to this embodiment is, for example, a PC. Note that the card company terminal 30 is not limited to a PC, and may be a smartphone, a tablet terminal, or the like. The card company terminal 30 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card management system 40 via the network NW.

[0020] (4) Card Management System 40 The card management system 40 is a system that manages the credit cards issued by the card issuing system 1. As shown in FIG. 1, a card management system 40 according to this embodiment includes an application receiving server 50 and a verification server 60.

[0021] (4-1) Application reception server 50 The application reception server 50 is a server device that receives various applications. The application reception server 50 according to the present embodiment is realized by, for example, a PC. The application reception server 50 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card company terminal 30 via the network NW.

[0022] (4-2) Matching server 60 The verification server 60 is a server device that performs a process of verifying an applicant and a recipient (hereinafter, also referred to as a "verification process"). The verification server 60 according to this embodiment is realized by, for example, a PC. The verification server 60 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card company terminal 30 via the network NW.

[0023] Here, an overview of the matching process performed by the matching server 60 will be described with reference to Fig. 2. Fig. 2 is a diagram showing an overview of the matching process according to an embodiment of the present invention. Fig. 2 shows, as an example, an overview of the matching process performed by the matching server 60 when an applicant applies for membership. As shown in Fig. 2, the verification process is performed at each step of the process where the applicant applies for membership (membership application step) and the process where the applicant performs the activation procedure (activation procedure step). The activation procedure is a procedure for making an issued credit card available for use (i.e., activated).

[0024] In the membership application process, a matching is performed using an identity verification document image 70 and a second appearance image 80. The identity verification document image 70 is an image obtained by photographing an identity verification document 73 to which a first appearance image 72 showing a first appearance 71 of the applicant is attached. The identity verification document 73 is specifically a driver's license, a passport, an individual number card, or the like. The second appearance image 80 is an image of the applicant's second appearance 81. The personal identification document image 70 and the second appearance image 80 are images taken by the applicant using the applicant terminal 10 when applying for membership. In the membership application process, for example, a first appearance image 72 shown in an identification document image 70 is matched with a second appearance image 80. Specifically, in this match, a first appearance 71 of the applicant shown in the first appearance image 72 is compared with a second appearance 81 of the applicant shown in the second appearance image 80, and it is determined whether the person shown in the first appearance image 72 and the person shown in the second appearance image 80 are the same person. In this embodiment, after the verification process in the membership application process, a visual check is performed by a person in charge of the card company. If the person in charge visually checks and determines that the person is the same person, it is decided to complete the membership procedure. On the other hand, if the person in charge visually checks and determines that the person is not the same person, it is decided not to complete the membership procedure. Depending on the accuracy of the matching by the matching server 60, even if the matching by the matching server 60 determines that the same person is present, visual confirmation by the person in charge may determine that they are not the same person. On the other hand, even if the matching by the matching server 60 determines that the same person is not present, visual confirmation by the person in charge may determine that they are the same person. In this way, the accuracy of the matching by the matching server 60 can be supplemented by having the person in charge perform visual confirmation. In addition, if no visual confirmation is performed by the person in charge, it may be decided that the membership procedure is complete if the verification process by the verification server 60 determines that the person is the same.

[0025] In the activation procedure, a comparison is made between the second appearance image 80 and the third appearance image 90. The third appearance image 90 is an image of the recipient's third appearance 91. The third appearance image 90 is an image taken by the recipient using the recipient terminal 20 during the activation procedure. In the activation procedure, for example, the second appearance image 80 is matched with the third appearance image 90. Specifically, in the match, the second appearance 81 of the applicant shown in the second appearance image 80 is compared with the third appearance 91 of the recipient shown in the third appearance image 90, and it is determined whether the person shown in the second appearance image 80 and the person shown in the third appearance image 90 are the same person. If it is determined in the matching process in the activation procedure that the person shown in the second facial image 80 and the person shown in the third facial image 90 are the same person, it is decided to activate the credit card.

[0026] <<2. Functional configuration>> The functional configurations of the terminals and servers according to the embodiment of the present invention will be described with reference to FIGS.

[0027] <2-1. Functional configuration of the applicant terminal> The functional configuration of the applicant terminal 10 according to the embodiment of the present invention will be described with reference to Fig. 3. Fig. 3 is a block diagram showing an example of the functional configuration of the applicant terminal 10 according to the embodiment of the present invention. As shown in FIG. 3, the applicant terminal 10 according to this embodiment includes a communication unit 11, an input unit 12, an imaging unit 13, a storage unit 14, a control unit 15, and a display unit 16.

[0028] (1) Communications Department 11 The communication unit 11 has a function of transmitting and receiving various information. For example, the communication unit 11 transmits and receives information to and from the card company terminal 30 and the card management system 40 via the network NW.

[0029] (2) Input section 12 The input unit 12 has a function of accepting input from an applicant. The input unit 12 outputs the accepted input to the control unit 15. The input unit 12 is realized by devices such as a touch panel, a keyboard, a mouse, a microphone, etc. that are provided as hardware in the applicant terminal 10. The applicant applies for membership, for example, by operating input unit 12. Specifically, the applicant operates input unit 12 to access a site (web page) for applying for membership of the credit card issuing service, and inputs the information required for the application on that site. The applicant also operates input unit 12 to access a site (web page) for the verification process in the application process, and inputs the information required for the verification process on that site.

[0030] (3) Imaging unit 13 The imaging unit 13 is a camera. The imaging unit 13 is, for example, a camera built into the applicant terminal 10. The imaging unit 13 may write the captured image into the storage unit 14 for storage. The function of the imaging unit 13 may be realized by a camera independent of the applicant terminal 10. For example, it may be a digital camera, a web camera, a video camera, etc. When the function of the imaging unit 13 is a camera independent of the applicant terminal 10, the applicant outputs the image captured by the camera to the applicant terminal 10 using wired communication, wireless communication, a storage medium, etc.

[0031] (4) Storage section 14 The storage unit 14 has a function of storing various information. The storage unit 14 is configured by a storage medium provided as hardware in the applicant terminal 10, such as a hard disk drive (HDD), a solid state drive (SSD), a flash memory, an electrically erasable programmable read only memory (EEPROM), a random access read / write memory (RAM), a read only memory (ROM), or any combination of these storage media.

[0032] (5) Control Unit 15 The control unit 15 has a function of controlling the overall operation of the applicant terminal 10. The control unit 15 is realized, for example, by causing a CPU (Central Processing Unit) provided as hardware in the applicant terminal 10 to execute a program.

[0033] (6) Display section 16 The display unit 16 has a function of displaying various information and is realized, for example, by a display that the applicant terminal 10 has as hardware.

[0034] <2-2. Functional configuration of the recipient terminal> The functional configuration of the recipient terminal 20 according to the embodiment of the present invention will be described with reference to Fig. 4. Fig. 4 is a block diagram showing an example of the functional configuration of the recipient terminal 20 according to the embodiment of the present invention. As shown in FIG. 4, the recipient terminal 20 according to this embodiment includes a communication unit 21, an input unit 22, an imaging unit 23, a storage unit 24, a control unit 25, and a display unit .

[0035] (1) Communications Department 21 The communication unit 21 has a function of transmitting and receiving various information. For example, the communication unit 21 transmits and receives information to and from the card company terminal 30 and the card management system 40 via the network NW.

[0036] (2) Input section 22 The input unit 22 has a function of accepting input from a recipient. The input unit 22 outputs the accepted input to the control unit 25. The input unit 22 is realized by devices such as a touch panel, a keyboard, a mouse, and a microphone that the recipient terminal 20 has as hardware. The recipient performs the activation procedure, for example, by operating the input unit 22. Specifically, the recipient operates the input unit 22 to access a site (web page) for the activation procedure of the issued credit card, and inputs information required for the activation procedure on the site. The site for the activation procedure is, in other words, a site for the verification process in the activation procedure step.

[0037] (3) Imaging unit 23 The imaging unit 23 is a camera. The imaging unit 23 is, for example, a camera built into the recipient terminal 20. The imaging unit 23 may write the captured image into the storage unit 24 for storage. The function of the imaging unit 23 may be realized by a camera independent of the recipient terminal 20. For example, it may be a digital camera, a web camera, a video camera, etc. When the function of the imaging unit 23 is a camera independent of the recipient terminal 20, the recipient outputs the image captured by the camera to the recipient terminal 20 by using wired communication, wireless communication, a storage medium, etc.

[0038] (4) Storage section 24 The storage unit 24 has a function of storing various information. The storage unit 24 is configured by a storage medium provided in the receiver terminal 20 as hardware, such as a HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0039] (5) Control Unit 25 The control unit 25 has a function of controlling the overall operation of the recipient terminal 20. The control unit 25 is realized, for example, by causing a CPU provided as hardware in the recipient terminal 20 to execute a program.

[0040] (6)Display section 26 The display unit 26 has a function of displaying various information and is realized by, for example, a display that the recipient terminal 20 has as hardware.

[0041] <2-3. Functional configuration of card company terminal> The functional configuration of the card company terminal 30 according to the embodiment of the present invention will be described with reference to Fig. 5. Fig. 5 is a block diagram showing an example of the functional configuration of the card company terminal 30 according to the embodiment of the present invention. As shown in FIG. 5, the card company terminal 30 according to this embodiment includes a communication unit 31, an input unit 32, a storage unit 33, a control unit 34, and a display unit 35.

[0042] (1) Communications Department 31 The communication unit 31 has a function of transmitting and receiving various information. For example, the communication unit 31 transmits and receives information to and from the applicant terminal 10, the recipient terminal 20, and the card management system 40 via the network NW.

[0043] (2) Input section 32 The input unit 32 has a function of accepting input from a person in charge. The input unit 32 outputs the accepted input to the control unit 34. The input unit 32 is realized by devices such as a touch panel, a keyboard, a mouse, a microphone, etc. that the card company terminal 30 has as hardware. The person in charge, for example, operates the input unit 32 to visually confirm the applicant, to carry out the enrollment procedure, and to carry out the activation procedure. Specifically, the person in charge operates the input unit 32 to access a site (Web page) for visual confirmation, and visually confirms whether the person shown in the first facial image 72 is the same as the person shown in the second facial image 80 on the site. The person in charge also operates the input unit 32 to access the card management system 40, and obtains information required to carry out the enrollment procedure and the activation procedure.

[0044] (3) Storage section 33 The storage unit 33 has a function of storing various information. The storage unit 33 is configured by a storage medium provided in the card company terminal 30 as hardware, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0045] (4) Control Unit 34 The control unit 34 has a function of controlling the overall operation of the card company terminal 30. The control unit 34 is realized, for example, by causing a CPU provided as hardware in the card company terminal 30 to execute a program. As shown in FIG. 5, the control unit 34 includes a reception information acquiring unit 341, an application matching information acquiring unit 342, a procedure processing unit 343, an activation matching result acquiring unit 344, and an activation processing unit 345.

[0046] (4-1) Reception information acquisition unit 341 The reception information acquisition unit 341 has a function of acquiring reception information. The reception information is information when an application for membership from an applicant is accepted, and is input information entered by the applicant into the membership application site. The reception information acquisition unit 341 acquires the reception information from the application acceptance server 50. The reception information acquisition unit 341 may write the acquired reception information into the memory unit 33 for storage.

[0047] (4-2) Application matching information acquisition unit 342 The application matching information acquisition unit 342 has a function of acquiring information related to the matching process in the membership application process. When the person in charge accesses the site for visual confirmation, the application matching information acquisition unit 342 acquires the applicant's identification document image 70 and second facial image 80 that are the subject of visual confirmation. The application matching information acquisition unit 342 displays each acquired image on the display unit 35. This allows the person in charge to visually confirm the applicant. When acquiring information related to the matching process, the application matching information acquisition unit 342 may also acquire the results of the matching process performed by the matching server 60 in the membership application process, and display them on the display unit 35. The application matching information acquisition unit 342 may write the acquired information related to the matching process in the membership application process to the memory unit 33 for storage.

[0048] (4-3) Procedure Processing Section 343 The procedure processing unit 343 has a function of executing the membership procedure. For example, when the person shown in the first appearance image 72 and the person shown in the second appearance image 80 are determined to be the same person by visual confirmation by the person in charge, the procedure processing unit 343 executes the membership procedure and completes the membership procedure. After the enrollment procedure is completed, the procedure processing unit 343 sends an email notifying the applicant terminal 10 of the completion of the enrollment procedure from the communication unit 31. After the enrollment procedure is completed, the procedure processing unit 343 also executes a process to issue a credit card in an unactivated state and send it to the applicant.

[0049] (4-4) Activation matching result acquisition unit 344 The activation matching result acquisition unit 344 has a function of acquiring the matching result of the matching process in the activation procedure step. The activation matching result acquisition unit 344 accesses the matching server 60 to acquire the result of the matching process in the activation procedure step, and displays it on the display unit 35. This allows the person in charge to check the result of the verification process in the activation procedure step and decide whether or not to activate the credit card. The activation verification result acquisition unit 344 may write and store the acquired result of the verification process in the activation procedure step in the storage unit 33.

[0050] (4-5) Activation processing unit 345 The activation processing unit 345 has a function of executing the activation of a credit card. The activation processing unit 345 executes the activation process of the credit card when the person in charge decides to execute the activation of the credit card, that is, when the applicant and the recipient are the same person. After the activation process is completed, the activation processing unit 345 sends an email notifying the recipient terminal 20 that the activation process has been completed from the communication unit 31.

[0051] (5) Display section 35 The display unit 35 has a function of displaying various information and is realized by, for example, a display that the card company terminal 30 has as hardware.

[0052] <2-4. Functional configuration of the application reception server> The functional configuration of the application receiving server 50 according to the embodiment of the present invention will be described with reference to Fig. 6. Fig. 6 is a block diagram showing an example of the functional configuration of the application receiving server 50 according to the embodiment of the present invention. As shown in FIG. 6, the application receiving server 50 according to this embodiment includes a communication unit 51, a storage unit 52, and a control unit 53.

[0053] (1) Communications Department 51 The communication unit 51 has a function of transmitting and receiving various information. For example, the communication unit 51 transmits and receives information to and from the applicant terminal 10, the card company terminal 30, and the verification server 60 via the network NW.

[0054] (2) Storage section 52 The storage unit 52 has a function of storing various information. The storage unit 52 is configured by a storage medium provided as hardware in the application receiving server 50, such as an HDD, an SSD, a flash memory, an EEPROM, a RAM, a ROM, or any combination of these storage media.

[0055] (3) Control unit 53 The control unit 53 has a function of controlling the overall operation of the application receiving server 50. The control unit 53 is realized, for example, by causing a CPU provided as hardware in the application receiving server 50 to execute a program. As shown in FIG. 6, the control unit 53 includes a site display unit 531, an input information acquisition unit 532, a reception processing unit 533, and a data linking unit 534.

[0056] (3-1) Site display section 531 The site display unit 531 has a function for displaying a site for applying for membership in a credit card issuing service. For example, when access to the site for applying for membership is requested from the applicant terminal 10, the site display unit 531 causes the applicant terminal 10 to display the site for applying for membership.

[0057] (3-2) Input information acquisition unit 532 The input information acquisition unit 532 has a function of acquiring input information. The input information acquisition unit 532 acquires information entered by an applicant on a membership application site as input information. The input information is, for example, the applicant's name, sex, date of birth, address, telephone number, email address, account information, etc. The input information acquisition unit 532 may write the acquired input information into the storage unit 52 for storage.

[0058] (3-3) Reception processing unit 533 The reception processing unit 533 has a function of receiving an application for membership. For example, when an applicant requests a membership application via a membership application site, the reception processing unit 533 receives the membership application. When the reception processing unit 533 receives the membership application, it issues a reception number that uniquely identifies the membership application. The reception number issued by the reception processing unit 533 is an example of the first identification information in the claims. After the acceptance is completed, the acceptance processing unit 533 transmits the issued acceptance number and an email notifying that the acceptance of the membership application has been completed to the applicant terminal 10 from the communication unit 51. The acceptance number and the information that the acceptance has been completed may be notified by one email, or each may be notified by separate email.

[0059] (3-4) Data linking unit 534 The data linking unit 534 has a function of linking data related to the acceptance of the membership application. For example, when the membership application is accepted by the acceptance processing unit 533, the data linking unit 534 transmits the input information acquired by the input information acquiring unit 532 as acceptance information from the communication unit 51 to the card company terminal 30. In addition, when the data linking unit 534 receives a request to obtain reception information from the card company terminal 30, the data linking unit 534 may transmit the input information obtained by the input information obtaining unit 532 as reception information from the communication unit 51 to the card company terminal 30.

[0060] Furthermore, the data linking unit 534 transmits the reception number issued by the reception processing unit 533 from the communication unit 51 to the matching server 60. The data linking unit 534 may transmit input information corresponding to the reception number to the matching server 60 together with the reception number.

[0061] <2-5. Functional configuration of the matching server> A functional configuration of the matching server 60 according to the embodiment of the present invention will be described with reference to Fig. 7. Fig. 7 is a block diagram showing an example of the functional configuration of the matching server 60 according to the embodiment of the present invention. As shown in FIG. 7, the matching server 60 according to this embodiment includes a communication unit 61, a storage unit 62, and a control unit 63.

[0062] (1) Communications Department 61 The communication unit 61 has a function of transmitting and receiving various information. For example, the communication unit 61 transmits and receives information to and from the applicant terminal 10, the recipient terminal 20, the card company terminal 30, and the application reception server 50 via the network NW. The communication unit 61 writes and stores the reception number issued by the reception processing unit 533 received from the application reception server 50 in the memory unit 62. When receiving the reception number, if input information corresponding to the reception number is also received, the reception number and the input information may be written and stored in the memory unit 62 in association with each other.

[0063] (2) Storage section 62 The storage unit 62 has a function of storing various information. The storage unit 62 is configured by a storage medium provided in the matching server 60 as hardware, such as a HDD, an SSD, a flash memory, an EEPROM, a RAM, a ROM, or any combination of these storage media.

[0064] (3) Control Unit 63 The control unit 63 has a function of controlling the overall operation of the matching server 60. The control unit 63 is realized, for example, by causing a CPU provided as hardware in the matching server 60 to execute a program. As shown in FIG. 7, the control unit 63 includes a site display unit 631, an application information acquisition unit 632, an application matching unit 633, an application processing unit 634, an activation information acquisition unit 635, a stored information acquisition unit 636, and an activation matching unit 637.

[0065] (3-1) Site display section 631 The site display unit 631 has a function for displaying various sites. For example, when access to a site for a verification process in the membership application process is requested from the applicant terminal 10, the site display unit 631 causes the applicant terminal 10 to display the site for the verification process in the membership application process. In addition, when the recipient terminal 20 requests access to a site for the credit card activation procedure (i.e., a site for the verification process in the activation procedure step), the site display unit 631 causes the recipient terminal 20 to display the site for the verification process in the activation procedure step. Furthermore, when access to a visual confirmation site is requested from the card company terminal 30, the site display unit 631 causes the card company terminal 30 to display the visual confirmation site.

[0066] (3-2) Application information acquisition unit 632 The application information acquisition unit 632 has a function of acquiring information necessary for the verification process in the membership application process. In the membership application process, the applicant accesses the membership application site and the verification process site in the membership application process from the applicant terminal 10, and performs the membership application process. When the applicant accesses the site for the verification process in the membership application process, he / she inputs the reception number notified by the card company as information necessary for the verification process. In addition, the applicant uploads, as information necessary for the matching process, an identification document image 70 taken of the applicant's (the applicant's) identification document 73 and a second appearance image 80 taken of the applicant's (the applicant's) second appearance 81 on the applicant terminal 10 when carrying out the membership application procedure (membership application) to a site used for the matching process in the membership application process.

[0067] The application information acquisition unit 632 acquires the reception number entered by the applicant on the site for the verification process in the membership application process, and the personal identification document image 70 and second facial image 80 uploaded to the site. The application information acquisition unit 632 writes and stores in the memory unit 62 an identification document image 70 and a second facial image 80 acquired from a site for matching processing in the membership application process, in association with the reception number among the reception numbers stored in the memory unit 62 and acquired from the site.

[0068] (3-3) Application matching unit 633 The application matching unit 633 has a function of performing matching processing in the membership application process. The application matching unit 633 matches the first appearance image 72 with the second appearance image 80, and determines whether the person shown in the first appearance image 72 is the same as the person shown in the second appearance image 80. The application matching unit 633 writes and stores in the memory unit 62 the matching result indicating whether the person shown in the first facial image 72 is the same as the person shown in the second facial image 80, in correspondence with the reception number, the identification document image 70, and the second facial image 80.

[0069] (3-4) Application Processing Unit 634 The application processing unit 634 has a function of performing processing related to an application for membership by an applicant. For example, if the person shown in the first appearance image 72 and the person shown in the second appearance image 80 are the same, the application processing unit 634 allows the application procedure to be completed. On the other hand, if the person shown in the first appearance image 72 and the person shown in the second appearance image 80 are not the same, the application processing unit 634 prevents the application procedure from being completed. In this way, if the applicant's identity cannot be confirmed during the membership application process, subsequent procedures cannot be carried out, thereby preventing the issuance of credit cards for fraudulent applications.

[0070] (3-5) Activation information acquisition unit 635 The activation information acquisition unit 635 has a function of acquiring information necessary for the verification process in the activation procedure. The recipient accesses a site for the credit card activation procedure from the recipient terminal 20 and performs the activation procedure. During the activation procedure, the recipient inputs the reception number notified by the card company as information for the verification process in the activation procedure step. The reception number input by the recipient is an example of the second identification information in the claims. In addition, the recipient uploads a third appearance image 90, which is a photograph of the recipient's (the recipient's) third appearance 91 taken with the recipient terminal 20 when performing the activation procedure, to a site for the activation procedure as information necessary for the matching process in the activation procedure step.

[0071] When the recipient performs the activation procedure for the credit card, the activation information acquisition unit 635 acquires the reception number entered by the recipient on the activation procedure website and the third facial image 90 uploaded to the website. The activation information acquisition unit 635 may write and store in the memory unit 62 a third facial image 90 acquired from a site for the activation procedure in association with the reception number stored in the memory unit 62 that matches the reception number acquired from the site.

[0072] (3-6) Memory information acquisition unit 636 The stored information acquisition unit 636 has a function of acquiring information necessary for a matching process in the activation procedure step from the storage unit 62. For example, the stored information acquisition unit 636 acquires from the storage unit 62 a second facial image 80 associated with a reception number (first identification information) stored in the same storage unit 62 as the reception number (second identification information) acquired by the activation information acquisition unit 635.

[0073] (3-7) Activation verification unit 637 The activation matching unit 637 has a function of performing matching processing in the activation procedure step. The activation matching unit 637 matches the second facial image 80 acquired by the memory information acquisition unit 636 with the third facial image 90 acquired by the activation information acquisition unit 635, and determines whether the applicant and the recipient are the same person.

[0074] The activation verification unit 637 transmits the result of the verification process in the activation procedure step from the communication unit 61 to the card company terminal 30. This allows the card company's staff to check the result of the verification process in the activation procedure step from the card company terminal 30 and decide whether or not to activate the credit card. If the result of the verification process shows that the applicant and the recipient are not the same person, the staff can prevent the credit card from being misused by not activating the card.

[0075] In addition, the activation matching unit 637 may write and store the results of the matching process in the activation procedure step in the memory unit 62, in correspondence with the reception number, the identification document image 70, the second facial image 80, and the third facial image 90.

[0076] <<3. Processing flow>> The process flow according to the embodiment of the present invention will be described with reference to Figures 8 and 9. As described with reference to Figure 2, the card issuing process in this embodiment includes an enrollment application process and an activation procedure process. The process flow in each process will be described in detail below.

[0077] <3-1. Process flow for membership application> The flow of processing in the membership application process will be described with reference to Fig. 8. Fig. 8 is a sequence diagram showing an example of the flow of processing in the membership application process according to the embodiment of the present invention.

[0078] As shown in FIG. 8, first, when an operation to access a site for membership application is performed by an applicant, the applicant terminal 10 accesses the site (step S101). The applicant inputs the information required for the membership application to the membership application site displayed on the display unit 16 of the applicant terminal 10. When the applicant has completed the input, the communication unit 11 of the applicant terminal 10 transmits the input information input by the applicant to the application reception server 50 (step S102).

[0079] The input information acquisition unit 532 of the application reception server 50 acquires the input information received by the communication unit 51 of the application reception server 50 from the applicant terminal 10. The acceptance processing unit 533 of the application reception server 50 accepts the membership application corresponding to the acquired input information, and issues a acceptance number for the membership application (step S103). After the application for membership has been accepted, the acceptance processing unit 533 transmits the issued acceptance number from the communication unit 51 to the verification server 60 (step S104). The reception processing unit 533 also transmits an email to the applicant terminal 10 from the communication unit 51 to notify that the reception of the membership application has been completed (step S105). Note that the email contains the issued reception number.

[0080] After receiving an email notifying that the application for membership has been accepted, if the applicant who has checked the email performs an operation to access a site used for the verification process in the application process, the applicant terminal 10 accesses the site (step S106). The applicant enters the reception number written in the email, following the instructions shown on the verification processing site displayed on the display unit 16 of the applicant terminal 10, and takes and uploads various images using the applicant terminal 10. The applicant operates the applicant terminal 10 to take a photo of the applicant's identification document (step S107). The applicant also operates the applicant terminal 10 to take a photo of the applicant's appearance (step S108). The communication unit 11 of the applicant terminal 10 transmits the reception number entered by the applicant, the personal identification document image 70 and the second facial image 80 obtained by photographing to the verification server 60 (step S109).

[0081] When the communication unit 61 of the matching server 60 receives the application information including the reception number, the identification document image 70, and the second appearance image 80 from the applicant terminal 10, the matching server 60 performs a matching process (step S110). Specifically, first, the application information acquisition unit 632 of the matching server 60 acquires the application information received by the communication unit 61. The application matching unit 633 of the matching server 60 compares the first appearance image 72 and the second appearance image 80 attached to the identification document 73 indicated by the identification document image 70 included in the application information, and determines whether the person indicated by the first appearance image 72 and the person indicated by the second appearance image 80 are the same person.

[0082] The application matching unit 633 writes and stores the matching result, which indicates whether the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same, in the memory unit 62 in correspondence with the reception number included in the application information, the identification document image 70, and the second facial image 80 (step S111).

[0083] When an application for membership is accepted by the acceptance processing unit 533 of the application acceptance server 50, the data linking unit 534 of the application acceptance server 50 transmits acceptance information including the input information acquired by the input information acquisition unit 532 and the acceptance number issued by the acceptance processing unit 533 from the communication unit 51 to the card company terminal 30 (step S112).

[0084] Reception information acquisition unit 341 of card company terminal 30 acquires the reception information received by communication unit 31 of card company terminal 30, and displays it on display unit 35 of card company terminal 30. When an operation to access a site for visual confirmation is performed by the person in charge who has confirmed the reception information, card company terminal 30 accesses the site (step S113).

[0085] When the clerk accesses the site for visual confirmation, the application matching information acquisition unit 342 of the card company terminal 30 acquires the identification document image 70 and the second facial image 80 of the applicant who is the subject of visual confirmation, and displays them on the display unit 35. The clerk performs visual confirmation using the identification document image 70 and the second facial image 80 displayed on the display unit 35. If the person in charge visually determines that the person shown in the first appearance image 72 attached to the identification document 73 shown in the identification document image 70 is the same as the person shown in the second appearance image 80, the procedure processing unit 343 of the card company terminal 30 executes the enrollment procedure and completes the enrollment procedure (step S114).

[0086] After the enrollment procedure is completed, the procedure processing unit 343 sends an email notifying the applicant terminal 10 that the enrollment procedure has been completed from the communication unit 31 (step S115). The procedure processing unit 343 also executes a card issuing process to issue a credit card in an unactivated state and send it to the applicant (step S116).

[0087] <3-2. Processing flow in the activation procedure> The flow of processing in the activation procedure step will be described with reference to Fig. 9. Fig. 9 is a sequence diagram showing the flow of processing in the activation procedure step according to the embodiment of the present invention.

[0088] As shown in FIG. 9, first, when the recipient who has received the issued credit card performs an operation to access a site for verification processing in the activation procedure, the recipient terminal 20 accesses the site (step S201). The recipient inputs the membership application reception number in accordance with the instructions shown on the verification processing site displayed on the display unit 26 of the recipient terminal 20, and takes and uploads an image using the recipient terminal 20. The recipient terminal 20 takes an image of the recipient's appearance according to the recipient's operation (step S202). The communication unit 21 of the recipient terminal 20 transmits the reception number input by the recipient and the third facial image 90 obtained by photographing to the collation server 60 (step S203).

[0089] When the communication unit 61 of the matching server 60 receives the reception number and the third facial image 90 from the recipient terminal 20, the matching server 60 performs a matching process (step S204). Specifically, first, the activation information acquisition unit 635 of the matching server 60 acquires the reception number and the third facial image 90 received by the communication unit 61. The memory information acquisition unit 636 of the matching server 60 acquires from the memory unit 62 the second facial image 80 associated with the reception number (first identification information) stored in the same memory unit 62 as the reception number (second identification information) acquired by the activation information acquisition unit 635. The activation matching unit 637 of the matching server 60 compares the second facial image 80 acquired by the memory information acquisition unit 636 with the third facial image 90 acquired by the activation information acquisition unit 635, and determines whether the applicant and the recipient are the same.

[0090] The activation matching unit 637 writes and stores the matching result, which indicates whether the person indicated by the second facial image 80 and the person indicated by the third facial image 90 are the same, in the memory unit 62 in correspondence with the reception number, the identification document image 70, the second facial image 80, and the third facial image 90 (step S205).

[0091] The activation verification result acquisition unit 344 of the card company terminal 30 requests the verification result in the activation procedure from the verification server 60 (step S206). At this time, the activation verification result acquisition unit 344 transmits the reception number entered by the person in charge from the communication unit 31 to the verification server 60. The verification server 60 that has been requested to provide the verification result transmits the verification result associated with the received reception number to the card company terminal 30 (step S207).

[0092] The activation matching result acquisition unit 344 acquires the matching result received by the communication unit 31 from the matching server 60, and displays it on the display unit 35. The person in charge checks the matching result displayed on the display unit 35 and decides whether or not to execute the credit card activation process. If the person in charge decides to execute the credit card activation process, that is, if the applicant and the recipient are the same person, the activation processing unit 345 executes the credit card activation process (step S208).

[0093] After the activation process is completed, the activation processing unit 345 sends an email notifying the completion of the activation process to the recipient terminal 20 from the communication unit 31 (step S209).

[0094] As described above, the card management system 40 according to the embodiment of the present invention includes the memory unit 62, the activation information acquisition unit 635, the stored information acquisition unit 636, and the activation matching unit 637. The memory unit 62 stores, in association with each other, a reception number (first identification information) that uniquely identifies a credit card application, an identification document image 70 obtained by photographing an identification document 73 to which an applicant's first appearance image 72 is attached at the time of the application, and a second appearance image 80 obtained by photographing an applicant's second appearance 81 at the time of the application. When a recipient of a credit card that was issued in an unactivated state performs an activation procedure for the credit card, the activation information acquisition unit 635 acquires a third appearance image 90 obtained by photographing a third appearance 91 of the recipient during the activation procedure, and the input reception number (second identification information). The stored information acquisition unit 636 acquires from the storage unit 62 the second facial image 80 associated with the same reception number (first identification information) as the acquired reception number (second identification information). The activation matching unit 637 matches the acquired second facial image 80 and third facial image 90 to determine whether the applicant and the recipient are the same person.

[0095] With this configuration, the card management system 40 according to the embodiment of the present invention uses an image of the applicant taken at the time of the membership application and an image of the recipient taken at the time of the activation procedure to determine whether the applicant and the recipient are the same person. In this way, the card management system 40 makes the determination using real-time images, and therefore can prevent impersonation by others using images taken in the past or images that have been reused. Therefore, the card management system 40 according to the embodiment of the present invention makes it possible to reduce the risk of a credit card issued in an unactivated state being misused.

[0096] In order to ensure that issued credit cards are delivered to the applicant without fail, they are often sent by methods such as registered mail, which require strict handling and hand delivery to the applicant. However, since the postal fee for registered mail is higher than that for regular mail, when cost reduction is required, it is preferable to send the card by a mailing method with lower postal fees, such as regular mail. In the card management system 40 according to this embodiment, even if a credit card is delivered to a person other than the applicant, the person who receives the credit card cannot activate the credit card and cannot use it. Therefore, credit cards issued by a system using the card management system 40 do not necessarily need to be sent by a method such as registered mail that requires strict handling and handing it over to the applicant, but may be sent by regular mail. This can reduce the cost of sending credit cards. As a result, credit card companies can provide a low-cost, highly secure credit card issuing service.

[0097] <<4. Modifications>> The above describes the embodiments of the present invention. Next, modified examples of the embodiments of the present invention will be described. Each modified example described below may be applied alone to the embodiments of the present invention, or may be applied in combination to the embodiments of the present invention. Furthermore, each modified example may be applied in place of the configuration described in the embodiment of the present invention, or may be applied in addition to the configuration described in the embodiment of the present invention.

[0098] In the above embodiment, the storage unit 62 stores the matching result by the application matching unit 633 as the matching result in the matching process in the membership application process, but is not limited to such an example. For example, the storage unit 62 may store the result of matching the first facial image 72 and the second facial image 80 by a card company staff member through visual confirmation in the matching process in the membership application process in association with the reception number, the identification document image 70, and the second facial image 80. That is, the storage unit 62 stores the matching result of the first facial image 72 and the second facial image 80 in association with the reception number, the identification document image 70, and the second facial image 80, regardless of whether the application matching unit 633 or the staff member performed the matching process. Note that the storage unit 62 may store both the matching result by the application matching unit 633 and the matching result by the staff member in association with the reception number, the identification document image 70, and the second facial image 80.

[0099] In the above embodiment, an example in which the matching process in the activation procedure uses the second facial image 80 and the third facial image 90 has been described, but the present invention is not limited to such an example. For example, the matching process in the activation procedure may also use the recipient's personal identification information. Specifically, during the activation procedure, the recipient is made to input the recipient's identity verification information to the activation procedure site. The activation information acquisition unit 635 further acquires the recipient's identity verification information input during the activation procedure. The stored information acquisition unit 636 further acquires the identity verification document image 70 from the storage unit 62 when acquiring the second appearance image 80. The activation comparison unit 637 further compares the acquired identity verification information with the identity verification information written on the identity verification document 73 indicated by the acquired identity verification document image 70, and determines whether the applicant and the recipient are the same person. In this way, by combining matching using the personal identification information with matching using the second facial image 80 and the third facial image 90, the accuracy of the recipient's identity can be improved, and security can also be improved.

[0100] In addition, in the verification process in the activation procedure, not only verification for the identity verification of the recipient but also verification for detecting an abnormality in the activation procedure may be performed. An abnormality in the activation procedure may be, for example, an unauthorized activation procedure. The verification for detecting an abnormality in the activation procedure may be performed using, for example, location information. Specifically, the activation information acquisition unit 635 further acquires location information indicating the location where the third facial image 90 was captured. For example, the location information is acquired by a GPS (Global Positioning System) or the like when the third facial image 90 was captured. The memory information acquisition unit 636 further acquires the identification document image 70 from the memory unit 62 when acquiring the second facial image 80.

[0101] The activation verification unit 637 detects an illegal activation procedure (anomaly) based on a comparison result between the location information written on the identification document 73 shown in the acquired identification document image 70 and the location information acquired by the activation information acquisition unit 635. The location information written on the identification document 73 is, for example, a word including a country name, a prefecture name, an address, or a place name (for example, the word "Tokyo Metropolitan Public Safety Commission" written on a driver's license). If both the location information written on the personal identification document 73 and the location information acquired by the activation information acquisition unit 635 are within a predetermined range, the activation matching unit 637 detects that the activation procedure is being performed normally (i.e., the applicant and the recipient are considered to be the same person). On the other hand, if either the location information written on the personal identification document 73 or the location information acquired by the activation information acquisition unit 635 is not within a predetermined range, the activation matching unit 637 detects that the activation procedure is being performed fraudulently (i.e., the applicant and the recipient are not considered to be the same person). The activation checking unit 637 may detect an unauthorized activation procedure depending on whether or not each piece of location information matches.

[0102] The activation verification unit 637 may detect an illegal activation procedure based on the distance from the position indicated by the position information (e.g., address) described on the identification document 73 shown by the acquired identification document image 70 to the position indicated by the position information acquired by the activation information acquisition unit 635. For example, the activation verification unit 637 detects that the activation procedure is being performed normally when the distance is within a predetermined range (i.e., the applicant and the recipient are considered to be the same). On the other hand, the activation verification unit 637 detects that the activation procedure is being performed illegally when the distance is not within the predetermined range (i.e., the applicant and the recipient are considered to be different). The predetermined range is set so that, for example, when the position where the third appearance image 90 is captured is in a prefecture different from the address described on the identification document 73 or overseas, the activation procedure is detected as being performed illegally. In this way, by combining the verification for the identity verification of the recipient with the verification for detecting anomalies using the location information in the activation procedure, it is possible to improve security. Note that the above-mentioned verification using the identity verification information may also be combined.

[0103] Additionally, a check to detect anomalies in the activation procedure may be performed using a timestamp. Specifically, the activation information acquisition unit 635 further acquires a first time stamp indicating the date and time when the third facial image 90 was acquired, and a second time stamp indicating the date and time when the third facial image 90 was captured by the recipient terminal 20. The activation collation unit 637 detects an illegal activation procedure (abnormality) based on the difference between the date and time indicated by the first time stamp and the date and time indicated by the second time stamp. For example, the activation collation unit 637 detects that the activation procedure is performed normally when the difference is within a predetermined range (i.e., the applicant and the recipient are considered to be the same). On the other hand, the activation collation unit 637 detects that the activation procedure is performed illegally when the difference is not within a predetermined range (i.e., the applicant and the recipient are considered to be different). The predetermined range is set, for example, so that the activation procedure is detected as being performed illegally when the third facial image 90 is not an image captured during the activation procedure. In this way, by combining the verification for the recipient's identity with the verification for detecting anomalies using the timestamp in the activation procedure, security can be improved. Note that the above-mentioned verification using identity verification information and verification using location information may also be combined.

[0104] In the above embodiment, an example has been described in which a card company staff member visually checks whether the person shown in the first facial image 72 and the person shown in the second facial image 80 are the same, but the present invention is not limited to such an example. For example, the staff member may determine whether the person shown in the first facial image 72 and the person shown in the second facial image 80 are the same based on the similarity between the two persons. The similarity is calculated by the application matching unit 633, for example, when the application matching unit 633 matches the first facial image 72 and the second facial image 80. By making a visual judgment while also referring to the degree of similarity, the person in charge can easily make the judgment and can improve the accuracy of the judgment.

[0105] In the above embodiment, an example has been described in which the card management system 40 is configured with two server devices, the application receiving server 50 and the verification server 60, but the present invention is not limited to such an example. For example, the card management system 40 may be realized by a single server device that has all of the functions of the application receiving server 50 and the verification server 60.

[0106] The above describes the embodiment of the present invention. Note that the applicant terminal 10, the recipient terminal 20, the card company terminal 30, the application reception server 50, and the verification server 60 in the above-mentioned embodiment may be realized in part or in whole by a computer. In addition, when the functions of the application reception server 50 and the verification server 60 are realized by one server device, the server device (i.e., the card management system 40) may be realized in part or in whole by a computer. In this case, the functions may be realized by recording a program for realizing the functions in a computer-readable recording medium, reading the program recorded in the recording medium into a computer system, and executing the program. Note that the "computer system" here includes hardware such as an OS and peripheral devices. Also, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, a CD-ROM, and a storage device such as a hard disk built into a computer system. Furthermore, the term "computer-readable recording medium" may include a medium that dynamically holds a program for a short period of time, such as a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line, and a medium that holds a program for a certain period of time, such as a volatile memory inside a computer system that serves as a server or client in such a case. The above program may be one for implementing part of the above-mentioned functions, or may be one that can realize the above-mentioned functions in combination with a program already recorded in the computer system, or may be one that is realized using a programmable logic device such as an FPGA (Field Programmable Gate Array).

[0107] Although the embodiment of the present invention has been described in detail above with reference to the drawings, the specific configuration is not limited to the above, and various design changes, etc. are possible within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0108] 1...card issuing system, 10...applicant terminal, 11,21,31,51,61...communication unit, 12,22,32...input unit, 13,23...imaging unit, 14,24,33,52,62...storage unit, 15,25,34,53,63...control unit, 16,26,35...display unit, 20...recipient terminal, 30...card company terminal, 40...card management system, 50...application reception server, 60...verification server, 70...identification document image, 72...first appearance image, 80...second appearance image, 90...third Appearance image, 341... reception information acquisition unit, 342... application matching information acquisition unit, 343... procedure processing unit, 344... activation matching result acquisition unit, 345... activation processing unit, 531, 631... site display unit, 532... input information acquisition unit, 533... reception processing unit, 534... data linking unit, 632... application information acquisition unit, 633... application matching unit, 634... application processing unit, 635... activation information acquisition unit, 636... stored information acquisition unit, 637... activation matching unit, NW... network

Claims

1. An application matching information acquisition unit that acquires an identification document image obtained by photographing an identification document to which a first facial image showing the appearance of an applicant is attached when applying for a card issuance, and a second facial image obtained by photographing the appearance of the applicant when applying for the card issuance; a procedure processing unit that, when it is determined that the person represented by the first facial image and the person represented by the second facial image are the same, executes an enrollment procedure, and, after the enrollment procedure is completed, executes a card issuance process to issue a card in an unactivated state and send it to the applicant; an activation matching result acquisition unit that acquires a matching result indicating whether or not the person shown in the second facial image is the same as the person shown in the third facial image of the recipient who will receive the sent card; an activation processing unit that activates the card received by the recipient when it is determined that the applicant and the recipient are the same person by comparing the second facial image with the third facial image; A card management system comprising:

2. A communication unit that receives the matching result from the matching process; Equipped with The activation matching result acquisition unit acquires the matching result received by the communication unit, and displays the result on a display unit. The card management system according to claim 1 .

3. The activation processing unit, when a person in charge who has checked the displayed matching result determines that the applicant and the recipient are the same and therefore determines to execute the activation processing of the card, executes the activation processing of the card, The communication unit notifies the recipient that the activation process of the card has been completed. The card management system according to claim 2 , comprising:

4. An application matching information acquisition process in which an application matching information acquisition unit acquires an identification document image obtained by photographing an identification document to which a first facial image showing the appearance of an applicant is attached at the time of applying for issuance of a card, and a second facial image obtained by photographing the appearance of the applicant at the time of applying for issuance of the card; a procedure processing step in which, when the procedure processing unit determines that the person represented by the first facial image is the same as the person represented by the second facial image, the procedure processing unit executes an enrollment procedure, and after the enrollment procedure is completed, executes a card issuance process to issue a card in an unactivated state and send it to the applicant; an activation matching result acquisition step in which an activation matching result acquisition unit acquires a matching result indicating whether or not the person shown in the second facial image is the same as the person shown in the third facial image of the recipient who will receive the sent card; an activation process in which an activation processing unit activates the card received by the recipient when it is determined that the applicant and the recipient are the same person by comparing the second facial image with the third facial image; A card management method including:

5. A computer comprising: an application verification information acquisition means for acquiring an identification document image obtained by photographing an identification document to which a first facial image showing the appearance of an applicant is attached when applying for card issuance, and a second facial image obtained by photographing the appearance of the applicant when applying for card issuance; a procedure processing means for executing an enrollment procedure when it is determined that the person represented by the first facial image is the same as the person represented by the second facial image, and for executing a card issuance process for issuing a card in an unactivated state and sending it to the applicant after the enrollment procedure is completed; an activation matching result acquisition means for acquiring a matching result indicating whether or not the person shown in the second facial image is the same as the person shown in the third facial image of the recipient who will receive the sent card; an activation processing means for activating the card received by the recipient when it is determined that the applicant and the recipient are the same person by comparing the second facial image with the third facial image; A program that functions as a

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