Personal identification system, personal identification method, application program, and personal identification device

Abstract

To improve the reliability of personal information confirmed in identity verification. [Solution] An identity verification system in which an application program causes a user terminal device to perform the following processes for identity verification: acquiring first text information, which is the user's personal information, via short-range communication from a specified identification card equipped with an IC chip; if the first text information contains a specific symbol, accepting the user's input of personal information and acquiring second text information; and if the first text information does not contain the specific symbol, sending the first text information, or if the first text information contains the specific symbol, sending the first text information and the second text information to the identity verification device. The identity verification device displays an interface screen including at least the first text information and the second text information on a display device and accepts confirmation operations by an operator.

Description

[Technical Field]

[0001] The present invention relates to an identity verification system, an identity verification method, an application program, and an identity verification device. [Background technology]

[0002] Conventionally, in network services, electronic identity verification (eKYC) is performed before permitting highly important services. For example, Patent Document 1 describes a method in which a user terminal equipped with a camera, a display, near field communication (NFC), and a wireless or wired communication device reads data stored in an IC chip from an identification card through near field communication, takes a facial image of the user with the camera, and transmits the data and the facial image of the user to a server to verify the user's identity. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2024-117747 Summary of the Invention [Problem to be solved by the invention]

[0004] In recent years, there has been a movement to abolish the use of cameras to capture facial images. However, depending on the type of identification, the information stored on the IC chip may be insufficient, making it impossible to verify personal information with sufficient reliability.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an identity verification system, an identity verification method, an application program, and an identity verification device that can improve the reliability of personal information verified during identity verification. [Means for solving the problem]

[0006] One aspect of the present invention is an identity verification system for verifying the identity of a user in a network service, comprising an application program running on a user terminal device and an identity verification device, wherein the application program causes the user terminal device to perform the following processes for the identity verification: acquiring first text information, which is the user's personal information, via short-range communication from a specified identification card having an IC chip built in; if the first text information contains a specific symbol, accepting the user's input of personal information and acquiring second text information; and if the first text information does not contain the specific symbol, sending the first text information, and if the first text information contains the specific symbol, sending the first text information and the second text information to the identity verification device, wherein the identity verification device, when acquiring the first text information and the second text information from the application program, has an interface unit that displays an interface screen including at least the first text information and the second text information on a display device and accepts confirmation operations by an operator. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to improve the reliability of personal information confirmed in identity verification. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates basic aspects of brick-and-mortar electronic payment. [Figure 2] FIG. 1 is a diagram illustrating an example of a configuration for performing electronic payment (terminal payment) using a payment application. [Figure 3] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 4] FIG. 10 is a diagram showing an example of the contents of affiliated store / shop information 174. [Figure 5] FIG. 10 is a diagram showing an outline of a processing flow when a user scan is performed. [Figure 6]FIG. 10 is a diagram showing an outline of the processing flow when a store scan is performed. [Figure 7] FIG. 1 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. [Figure 8] 10 is a flowchart showing an example of a process flow for identity verification. [Figure 9] FIG. 10 is a diagram showing an example of an application screen that accepts input of personal information by a user. [Figure 10] FIG. 10 is a diagram showing an example of the contents of symbol / word correspondence information 176. [Figure 11] FIG. 10 is a diagram illustrating an example of an interface screen. DETAILED DESCRIPTION OF THE INVENTION

[0009] [overview] Hereinafter, with reference to the drawings, embodiments of an identity verification system, an identity verification method, an application program, and an identity verification device according to the present invention will be described. The identity verification system verifies the identity of a user in a network service. The identity verification system includes an application program running on a user terminal device and an identity verification device. Network services include various services provided over a network, such as electronic payment services, electronic commerce services, and video distribution services. In the following, the network service is assumed to be an electronic payment service. An electronic payment service is provided, for example, by an application program, a payment server, and a credit card server working together. In the following description, the application program is referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce transactions. A virtual store may also include one provided by an entity different from the operator of the electronic payment service. In this case, control is exercised to transition to an interface screen for the electronic payment service when making a payment for a purchase at the virtual store. In electronic payment services, stores are treated as belonging to, for example, affiliated stores (brands), and electronic payments when purchases are made at stores are primarily made between the user and the affiliated store. Alternatively, electronic payments may be made between the user and the store. The identity verification device that constitutes the identity verification system may be a virtual machine included in a service server such as a payment server, or may be a device separate from the service server. In the following description, the identity verification device is assumed to be included in the payment server.

[0010] [Electronic payment methods at brick-and-mortar stores] FIG. 1 illustrates the basic aspects of brick-and-mortar electronic payments. Electronic payments are generally carried out by three parties: a medium M held by a user U, store equipment E, and a payment system S. The medium M may be a portable computer device such as a smartphone or a credit card. The store equipment E resides in a physical brick-and-mortar store (hereinafter simply referred to as the store) in real space and may include a POS device, a wireless communication device, a credit card reader, a printed code image such as a QR Code (registered trademark), or a display device displaying the code image. In brick-and-mortar electronic payments, information that can identify the user and information about the payment amount are first shared unidirectionally or bidirectionally between the medium M and the store equipment E. At this time, either the medium M or the store equipment E optically reads various information from a code image displayed by the other, provides information via near-field communication (NFC), or reads the PAN (primary account number) using a credit card reader. Then, either the medium M or the store equipment E (the party that obtains information from the other) transmits the payment information required for the payment to the payment system S via a network NW. Both the medium M and the store equipment E may send some information to the payment system S. The payment system S manages various information about the user U and performs electronic payments between the store and the user U in various ways. Electronic payments are performed using either or both of a prepaid system and a postpaid system, or by other methods. In addition, electronic payments may also include so-called online shopping, which is performed between the user's terminal device and the payment system. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc. The various devices that communicate via the network NW, which will be described below, are assumed to have communication devices such as network cards and wireless communication modules.

[0011] [Configuration (Terminal Payment)] 2 is a diagram showing an example of the configuration for performing electronic payment (terminal payment) using a payment app. This electronic payment is performed mainly by a payment app 20 running on a user terminal device 10, which is one of the media M, one or more store payment terminals 30 and one or more store code images 40, which are one of the store facilities E, and a payment server 100, which constitutes part of a payment system S. The payment server 100 communicates with the user terminal device 10, the store payment terminal 30, and one or more information terminals 50 via a network NW.

[0012] The user terminal device 10 is a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a central processing unit (CPU), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, which operates in cooperation with a payment server 100 to provide electronic payment services to users. The payment application 20 is installed on the user terminal device 10 from, for example, an application distribution server (not shown) and controls the camera, communication device, touch panel, etc. of the user terminal device 10. In the following description, the terms "send information to the user terminal device 10 (or receive / acquire information from the user terminal device 10)" and "send information to the payment application 20 (or receive / acquire information from the payment application 20)" may be used interchangeably, but these terms are merely different expressions and are not intended to distinguish between them.

[0013] The store payment terminal 30 is installed, for example, in a store. The store payment terminal 30 is a computer device (or a collection of these) that has at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store payment terminal 30 includes a so-called POS (Point of Sale) device, and the POS device may have a product price acquisition function and an optical reading function.

[0014] The store code image 40 is placed in a store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 40 may be displayed on a display placed in the store (or on a display of a terminal device such as a smartphone or tablet terminal).

[0015] The information terminal 50 is used by the operator of the affiliated store who oversees the stores. In electronic payment services, customers who provide goods or services are treated as affiliated stores (brands), and one or more stores exist under the affiliated store. An affiliated store may operate only one store. The information terminal 50 is a smartphone, tablet terminal, personal computer, etc. An affiliated store interface 55 runs on the information terminal 50. The affiliated store interface 55 may be an affiliated store app or a web page displayed by a general-purpose browser. The affiliated store interface 55 accepts coupon settings and the like from the affiliated store operator and transmits them to the payment server 100. By executing the affiliated store interface 55, the information terminal 50 may have the function of displaying a code image corresponding to the store code image 40 or reading a code image displayed by the user terminal device 10 (in the latter case, an optical reading function is required).

[0016] The payment server 100 communicates with the credit card server 200 via a network NW. The payment server 100 has, for example, a content provider 110, an information manager 120, a payment processor 130, an interface 140, an acquisition unit 150, a personal authentication confirmation unit 160, and a memory unit 170. The components other than the memory unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented using a large scale integration (LSI), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or the like. The program may be realized by hardware (including circuitry) such as a Gate Array (GPU) or a Graphics Processing Unit (GPU), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The interface unit 140, the acquisition unit 150, and the identity verification confirmation unit 160 are combined to form an example of an identity verification device. The payment server 100 (identity verification device) communicates with one or more operator terminals OP. The operator terminal OP is a computer device such as a personal computer or a tablet terminal.

[0017] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, affiliated store / shop information 174, and symbol / word correspondence information 176. Note that the symbol / word correspondence information 176 may be held by a data server external to the payment server 100.

[0018] The content providing unit 110 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 110 provides the content to the user terminal device 10 in the form of a web page, and provides the user terminal device 10 with parameters required for the payment application 20 to render an image.

[0019] The information management unit 120 edits, adds, deletes, etc., user information 172 and affiliated store / shop information 174, and manages them.

[0020] 3 is a diagram showing an example of the contents of user information 172. User information 172 is information in which, for example, user URL, account ID, phone number, password, registration date, charge balance, electronic money type, terminal payment method, card payment method, various history information, identity verification flag, name, address, date of birth, email address, bank account, deferred payment settings, deferred payment condition information, etc. are associated with each other. Hereinafter, a user instance (electronic payment account) in which this information is associated may be referred to as an account. In the figure, items marked with "-" indicate that they are not set.

[0021] The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100. The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). The charge balance is information indicating the balance of electronic money that the user has set by transferring money to the account in advance. Remittance methods include depositing money into an ATM (Automatic Teller Machine) of a designated service provider (bank) or transferring money from a registered bank account. The type of electronic money is information indicating, for example, whether the electronic money can be withdrawn or can only be used for electronic payments. The terminal payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in terminal payment. The card payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in card payment. The various historical information includes charge history, which is a record of the user transferring money to the electronic payment service in advance to increase the charge balance, and payment history, which shows the details of the payments made by the user for each payment (date and time, store ID of the store where the purchase was made, affiliated store ID, payment amount, payment method, etc.).

[0022] The identity verification flag is information indicating whether or not the user has completed identity verification using an ID card. Name, address, and date of birth are registered in the payment server 100 through identity verification. Deferred payment can be selected if identity verification has been completed. The user with account ID "002" in the figure has not completed identity verification, so can only select balance payment as the terminal payment method. Bank account is the account number of a bank account that can be used to deposit funds into the electronic payment service. Deferred payment settings are information indicating whether or not the settings have been completed to enable deferred payment. Deferred payment condition information is information indicating various conditions such as the deferred payment limit and the amount used in the current month.

[0023] 4 is a diagram showing an example of the contents of affiliated store / store information 174. The affiliated store / store information 174 includes, for example, a first table 174A in which an affiliated store ID and a store ID are associated with a store URL, a second table 174B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 174C in which a store ID is associated with a store ID. In addition to this information, the affiliated store / store information 174 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0024] The payment processing unit 130 performs various processes for electronic payment. There are two methods for terminal payment: a first method (user scan) and a second method (store scan), which will be explained below.

[0025] FIG. 5 shows an overview of the process flow when a user scan is performed. First, the user terminal device 10, with the payment application 20 running, reads and decodes the store code image 40 using its optical reading function (S1). The store code image 40 contains store URL information. The payment application 20 sends first payment information, including the store URL and the user's account ID, to the payment server 100 (S2). The payment server 100 searches the affiliated store / store information 174 using the affiliated store ID and store ID corresponding to the store URL, acquires information about the affiliated store name and store name (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the payment application 20 on the screen displaying the affiliated store name and store name (S5). The payment application 20 then generates second payment information including at least the payment amount and sends it to the payment server 100 (S6).

[0026] If the "Terminal Payment Method" in the user information 172 of the user is set to "Balance Payment," the payment processing unit 130 of the payment server 100 performs electronic payment based on the received second payment information (S7-1). At this time, the payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not used as electronic money itself, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle determined by an agreement between the affiliated store and the electronic payment service. On the other hand, if the "Terminal Payment Method" is set to "Deferred Payment," the payment processing unit 130 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S7-2). The credit card server 200 performs electronic payment by adding the payment amount to the user's monthly usage amount based on the received information and deducting the monthly usage amount from the user's bank account after the closing date (S7-3).

[0027] Then, the payment processing unit 130 sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 via the content providing unit 110 (S8), and the payment app 20 displays the payment completion screen (S9). When the store code image 40 is displayed on a display installed in the store, the store code image 40 may include information on the payment amount in addition to the store URL. In this case, the procedure for the user to input the payment amount is omitted, and the information on the payment amount is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0028] FIG. 6 is a diagram showing an overview of the processing flow when a store scan is performed. First, when the payment app 20 is launched, when a payment operation is performed using the payment app 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment app 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment processing unit 130 of the payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the store payment terminal 30, and the store payment terminal 30 reads and decodes the code image using its optical reading function to obtain the one-time code, etc. (S15). The store payment terminal 30 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it.

[0029] The payment processing unit 130 of the payment server 100 identifies the user corresponding to the one-time code based on the received information, and if the "terminal payment method" in the user information 172 of the user is set to "balance payment," it performs electronic payment based on the received second payment information (S17-1). The processing content at this time is the same as the processing of S7-1 in FIG. 5. On the other hand, if the "terminal payment method" is set to "post-payment," the payment server 100 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S17-2). The credit card server 200 adds the payment amount to the user's monthly usage amount based on the received information, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date (S17-3).

[0030] Then, the payment processing unit 130 transmits a payment completion notification to the payment application 20 via the content providing unit 110 (S18), and the payment application 20 displays a payment completion screen (S19).

[0031] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0032] It should be noted that the "post-payment" settlement may be performed within the settlement server 100, rather than being managed by the credit card server 200. In this case, the components such as the settlement card 60 and the credit card server 200 may be omitted.

[0033] [Configuration (Card Payment)] 7 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. This electronic payment is performed mainly using a payment card 60, which is one of the media M, a credit card processing terminal 70, which is one of the store facilities E, a payment server 100, which constitutes part of a payment system S, and a credit card server 200. The credit card server 200 communicates with the credit card processing terminal 70 via a network NW.

[0034] The credit processing terminal 70 is installed in the store, similar to the in-store payment terminal 30. The credit processing terminal 70 includes, for example, a credit card reader and a POS device. The credit card terminal reads a personal identification number (PIN) from an inserted or held-up credit card and compares it with the PIN entered by the user. It also transmits a primary account number (PAN) read from the credit card to the credit card server 200 via the POS device. The POS device cooperates with the credit card terminal to transmit information such as the payment amount to the credit card server 200. A payment agent (acquirer) server may be interposed between the credit processing terminal 70 and the credit card server 200; however, for simplicity, the following description omits the server. The payment card 60 is, for example, similar to a commonly used credit card, with a communication chip embedded in the card substrate. The communication chip incorporates a storage medium storing the PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the payment card 60 may be a magnetic card. The information (messages) sent and received when using a credit card include an authorization message for authentication and a sales message for conveying the payment amount, but detailed explanations distinguishing between these will be omitted below.

[0035] The credit card server 200 communicates with the payment server 100 via a network NW. The credit card server 200 includes, for example, an information management unit 210, a credit interface 220, a payment allocation unit 230, a credit payment processing unit 240, and a memory unit 270. The components other than the memory unit 270 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The memory unit 270 stores information such as card user information 272.

[0036] The information management unit 210 edits, adds, deletes, etc., and manages the card user information 272. The card user information 272 is information in which, for example, information unique to a user (e.g., PAN), a card payment method, and the user's account ID (used by the payment server 100) are associated with one another. The card payment method is setting information that indicates whether the user will make electronic payment using the charged balance (balance payment) or deferred payment when making a card payment.

[0037] The credit interface 220 determines whether the BIN (Bank Identification Number) in the PAN included in the message received from the credit processing terminal 70 is a code for the company, and if it is a code for the company, passes the message received from the credit processing terminal 70 to the payment allocation unit 230, and if it is not a code for the company, discards the received message.

[0038] The payment allocating unit 230 refers to the card user information 272 of the user corresponding to the message obtained from the credit interface 220, and determines whether the "card payment method" is set to "post-payment." If the "card payment method" is set to "post-payment," the payment allocating unit 230 notifies the credit interface 220 of this and passes the message obtained from the credit interface 220 to the credit payment processing unit 240. On the other hand, if the "card payment method" is set to "balance payment," the payment allocating unit 230 adds the user's account ID to the message obtained from the credit interface 220 and sends it to the payment server 100, requesting electronic payment. When requested to make electronic payment, the payment server 100 performs the same processes as S7-1 in Figure 5 and S17-1 in Figure 6.

[0039] The credit interface 220 checks the PAN and expiration date, and verifies whether the cumulative payment amount exceeds the current month's upper limit, etc. The credit payment processing unit 240 adds the payment amount to the user's monthly usage amount based on the information contained in the message obtained from the payment allocation unit 230, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date.

[0040] [Processing for identity verification] The following describes the process for identity verification executed by payment application 20 and identity verification device (interface unit 140, acquisition unit 150, and identity verification determination unit 160).

[0041] FIG. 8 is a flowchart showing an example of a process flow for identity verification. First, identity verification processing (eKYC) is initiated in payment app 20 in response to a user's operation (S100). The user is guided by a display on payment app 20 and acquires first text information from a predetermined identification card via near field communication (NFC) (S102). The predetermined identification card is, for example, a driver's license. Alternatively (or in addition), other identification cards may be treated as the predetermined identification card. Note that, because a My Number card contains more information than a predetermined identification card (driver's license), it is excluded from the process of the present invention (processing performed by acquiring second text information). In the process of S102, payment app 20 determines whether the other party in the near field communication is a My Number card or a driver's license. If the other party is a My Number card, the process of S104, S108, and S110 in FIG. 8 may be skipped and only the processes of S100, S102, and S106 may be executed, or an entirely different process flow may be executed.

[0042] Next, the payment application 20 determines whether the first text information includes a specific symbol (S104). If the first text information does not include the specific symbol, the payment application 20 transmits the first text information to the payment server 100 (authentication device) (S106). As shown in FIG. 10 (described later), the specific symbol is, for example, a circle with a number such as 1 or 2 inside it. The specific symbol is a symbol that replaces characters or symbols that are not included in the standard character code standard and cannot be held on a driver's license, and the driver's license may include the specific symbol in such a form. For example, if the surname is "Watanabe (be is an external character)," the external character "be" on the driver's license is replaced with the specific symbol.

[0043] If the first text information contains a specific symbol, payment application 20 accepts personal information input by the user and acquires second text information (S108). Figure 9 is a diagram showing an example of an application screen that accepts personal information input by the user. When the user inputs personal information, payment application 20 transmits the first text information and the second text information to payment server 100 (authentication device) (S110).

[0044] The payment server 100 (authentication device) that has acquired information from the payment application 20 first determines whether only the first text information or both the first text information and the second text information has been acquired (S112). If only the first text information has been acquired (No in S112), the identity verification confirmation unit 160 registers the personal information in the user information 172 based on the first text information (S114).

[0045] When the first text information and the second text information are acquired, the acquiring unit 150 first refers to the symbol / word correspondence information 176 and acquires information on words corresponding to specific symbols included in the first text information (S116). FIG. 10 is a diagram showing an example of the contents of the symbol / word correspondence information 176. The symbol / word correspondence information 176 is information in which word information (e.g., an image of the word in a format such as jpg or bmp) is associated with each of a plurality of "specific symbols." Instead of the image of the word, information in which external characters are converted into text may be stored in the symbol / word correspondence information 176. In FIG. 2, the payment server 100 stores the symbol / word correspondence information 176 in the storage unit 170, but the symbol / word correspondence information 176 may be stored in a data server external to the payment server 100. In this case, the acquiring unit 150 may acquire information on words corresponding to specific symbols using an API (Application Programming Interface) or the like provided by the data server.

[0046] Next, the interface unit 140 displays an interface screen including the first text information, the second text information, and word images on the operator terminal OP and prompts the user to perform a confirmation operation (S118). The interface unit 140 displays the interface screen on the operator terminal OP by transmitting image information in the form of a web page or the like to the operator terminal. FIG. 11 is a diagram illustrating an example of the interface screen. The interface screen includes, for example, areas A1 to A3. Area A1 displays text (first text information) as IC input information acquired from the IC chip of the driver's license and images of words corresponding to specific symbols included in the first text information. Area A2 displays user input information (second text information) entered by the user into the payment application 20. Area A3 is provided with a GUI switch that allows the operator operating the operator terminal OP to input the results of comparing the information in area A1 with the information in area A2 and confirming that there are no errors. When the operator operates the GUI switch for "Examination OK," it is determined that the operator's confirmation is complete. On the other hand, if the operator operates the GUI switch for "input mismatch," it is determined that the content of the second text information is incorrect, and the process is returned to, for example, S108 in the flowchart of Fig. 9. The interface screen may also be provided with a GUI switch for instructing "escalation," which leaves the decision to the operator's superior.

[0047] Once the operator has completed the confirmation (S120), the personal identification confirmation unit 160 registers the personal information in the user information 172 based on the second text information for the name and the first text information for the other information (S122).

[0048] The above-described process can improve the reliability of personal information confirmed during identity verification, even when identity verification is performed using a specific identification document (e.g., a driver's license) that does not cover external characters. If specific symbols were registered as they are in user information 172, the information on external characters and other parts would become unclear, resulting in insufficient personal information. Furthermore, by having an operator confirm information on words corresponding to specific symbols along with the information entered by the user, the possibility of incorrect information being registered as personal information due to user input errors, etc., can be reduced. Furthermore, the method of the present invention can obtain sufficient reliability for personal information without capturing an image of the user's face.

[0049] In addition, in order to smoothly obtain information through short-range communication, the payment app 20 may further take measures such as increasing the sensitivity of short-range wireless, displaying a message to guide the user in the position where to hold the smartphone, displaying a count-up or progress bar to prevent the user from moving the smartphone while holding it up, and displaying warnings that suggest re-entry.

[0050] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0051] E. Store Facilities M medium S payment system 10 User terminal device 20. Payment App 30 Store payment terminals 40 Store code image 60 Payment Cards 70 Credit card processing terminal 100 Payment Server 130 Payment processing unit 140 Interface section 150 Acquisition Department 160 Identity Verification Confirmation Section 176 Symbol / Word Correspondence Information 200 Credit Card Server OP Operator Terminal

Claims

1. An identity verification system for verifying the identity of a user in a network service, comprising: an application program that runs on a user terminal device; and an identity verification device; The application program is installed in the user terminal device. a process of acquiring first text information, which is personal information of the user, from a predetermined identification card having an IC chip built in by short-range communication for the purpose of identity verification; When the first text information includes a specific symbol obtained by replacing a character not included in a standard character code specification with a symbol, a process of accepting input of at least the original character replaced with the symbol by a user and acquiring second text information including the input character; a process of transmitting the first text information to the personal identification device when the first text information does not contain the specific symbol, and transmitting the first text information and the second text information to the personal identification device when the first text information contains the specific symbol; The purpose is to execute the The personal identification device an interface unit that, when the first text information and the second text information are acquired from the application program, displays an interface screen including at least the first text information and the second text information on a display device and accepts a confirmation operation by an operator; Identity verification system.

2. The personal identification device an acquisition unit that refers to correspondence information stored in a storage unit, in which information on words is associated with each of the plurality of specific symbols, and acquires information on words corresponding to the specific symbols included in the first text information from the storage unit; the interface unit further includes information about the acquired words in the interface screen and displays the same on the display device. The personal identification system according to claim 1.

3. The correspondence information is information in which an image of the word is associated as information of the word, the acquiring unit acquires from the storage unit an image of a word corresponding to the specific symbol included in the first text information; 3. The personal identification system according to claim 2.

4. An identity verification system for verifying the identity of a user in a network service, comprising an application program that runs on a user terminal device and an identity verification device, When the user terminal device executes the application program, a process of acquiring first text information, which is personal information of the user, from a predetermined identification card having an IC chip built in by short-range communication for the purpose of identity verification; When the first text information includes a specific symbol obtained by replacing a character not included in a standard character code specification with a symbol, a process of accepting input of at least the original character replaced with the symbol by a user and acquiring second text information including the input character; a process of transmitting the first text information to the personal identification device when the first text information does not contain the specific symbol, and transmitting the first text information and the second text information to the personal identification device when the first text information contains the specific symbol; Run The personal identification device when the first text information and the second text information are acquired from the application program, displaying an interface screen including at least the first text information and the second text information on a display device, and receiving a confirmation operation by an operator. Identity verification method.

5. An application program that runs on a user terminal device, The user terminal device A process of acquiring first text information, which is personal information of a user, from a predetermined identification card having an IC chip built therein by short-range communication in order to verify the identity of the user in a network service; When the first text information includes a specific symbol obtained by replacing a character not included in a standard character code specification with a symbol, a process of accepting input of at least the original character replaced with the symbol by a user and acquiring second text information including the input character; a process of transmitting the first text information, if the specific symbol is not included in the first text information, and transmitting the first text information and the second text information, if the specific symbol is included in the first text information, together with the application program, to an identity verification device that performs identity verification; An application program for executing

6. An identity verification device for verifying the identity of a user in a network service together with an application program running on a user terminal device, an interface unit that, when first text information, which is personal information of a user, acquired by short-range communication from a predetermined identification card having an IC chip built in, and second text information including input characters acquired by accepting input of at least original characters replaced with symbols by a user when the first text information includes specific symbols obtained by replacing characters not included in a standard character code standard with symbols, displays an interface screen including at least the first text information and the second text information on a display device and accepts a confirmation operation by an operator, Identity verification device.

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