JP7540253B2 - Personal identification support device and program - Google Patents

Description

The present invention relates to an identity verification support device and a program therefor.

When opening an account at a financial institution, you must provide an ID card (personal identification) such as a driver's license to verify your identity, which prevents accounts from being opened fraudulently for criminal purposes such as special fraud.

In recent years, there has been an increase in cases of ID cards being forged to open fraudulent accounts, but in normal financial institutions, applicants go to the institution to submit their ID cards, and the financial institution typically uses the submitted ID card to verify the applicant's identity in person. In this case, the ID card can be carefully observed, and fraud can be detected from the applicant's behavior and the feel of the card.

Patent document 1 also describes an authenticity determination device that determines the authenticity of an ID card from an image of the face of the ID card captured by a scanner, and it is also possible to determine the authenticity of an ID card by reading the submitted ID card with a scanner.

JP 2011-34535 A

Recently, it has become common to open an account online without visiting a branch, and in some cases identity verification is done by taking a picture of the face of the ID card with a smartphone or other camera and sending the image to the financial institution. In this case, identity verification is done only with the image and not in person, so measures to prevent fraud are needed.

The present invention was made in consideration of the above problems, and aims to provide an identity verification support device etc. that can perform identity verification in an optimal manner.

A first invention for solving the above-mentioned problems is an identity verification support device comprising a receiving means for receiving from a user terminal an image for identity verification and location information of the user terminal at the time the image was taken, an acquiring means for acquiring the user's address information, and a comparing means for comparing the location information of the user terminal with the user's address information for identity verification, wherein the comparing means further compares the user's address information with a predetermined group of addresses to be avoided, and when the location information of the user terminal does not match the user's address information and the user's address information does not match all of the addresses in the predetermined group of addresses, the comparing means displays a display screen showing the location information of the user terminal, the user's address information, and the addresses in the predetermined group of addresses on a map .

In this invention, when an image for identity verification, such as a photographed image of an identity card, is received from a user terminal, the location information of the user terminal at the time the image was taken is compared with the address information of the user. If these do not match, this means that the user did not take the image at home, where the shooting environment is relatively good and they are familiar with it, but rather went out to take the image, and it is considered that there is room to suspect some kind of foul play. To be on the safe side, the above comparison is made and used for identity verification.

Furthermore , in the present invention, a group of addresses to be avoided, such as the addresses of criminals, is predefined as a so-called blacklist, and these addresses are compared with the user's address information for identity verification, thereby improving the accuracy of identity verification.

Preferably, said image is an image of an identification card.
The present invention can be suitably applied to cases where an image of identification such as a driver's license is sent to apply for opening an account or purchasing a smartphone or the like.

Furthermore, the present invention can assist the person in charge in verifying the identity of the user based on location information of the user terminal, etc.

It is desirable that the comparison means converts the location information of the user terminal , which is GPS information , into text, and calculates the degree of match between the location information of the user terminal converted into text and the user's address information, which is text , based on the text of the location information of the user terminal and the text of the user's address information .
Calculating the degree of match in this way can also assist the person in charge in identifying the person.

A second invention is a program for causing a computer to function as an identity verification support device comprising a receiving means for receiving from a user terminal an image for identity verification and location information of the user terminal at the time the image was taken, an acquiring means for acquiring user address information , and a comparing means for comparing the location information of the user terminal with the user's address information for identity verification, wherein the comparing means further compares the user's address information with a predetermined group of addresses to be avoided, and when the location information of the user terminal does not match the user's address information and the user's address information does not match all of the addresses in the predetermined group of addresses, the comparing means displays a display screen showing the location information of the user terminal, the user's address information, and the addresses in the predetermined group of addresses on a map .

The present invention can provide an identity verification support device that can perform identity verification in an optimal manner.

FIG. 1 shows an identity verification system 1. FIG. 2 is a diagram showing the hardware configuration of an identity verification support device 3. FIG. 2 is a diagram showing the hardware configuration of a user terminal 5. FIG. 2 is a diagram showing the functional configuration of an identity verification support device 3. FIG. 1 shows an ID card 10. 1 is a flowchart showing the flow of an identity verification method. 1 is a flowchart showing the flow of an identity verification method. FIG. FIG. 11 is a diagram for explaining an example of calculating a degree of coincidence.

The following describes in detail a preferred embodiment of the present invention with reference to the drawings.

(1. Identity Verification System 1)
FIG. 1 is a diagram showing an identity verification system 1 having an identity verification support device 3 according to an embodiment of the present invention.

The identity verification system 1 is for verifying the identity of an applicant (user) by sending a photographed image of the applicant's (user's) ID card 10 and other information required for identity verification from a user terminal 5 to an identity verification support device 3 when applying to open an account or purchase a smartphone, etc., and is configured by connecting the identity verification support device 3 and the user terminal 5 via a network so that they can communicate with each other.

Figure 2 is a diagram showing the hardware configuration of the identity verification support device 3. The identity verification support device 3 can be realized by a computer configured by connecting a control unit 31, a memory unit 32, a display unit 33, a communication unit 34, etc. via a bus or the like. However, this is not limited to this, and various configurations can be used as appropriate.

The control unit 31 is composed of a CPU, ROM, RAM, etc. The CPU loads programs related to the processing of the identity verification support device 3 stored in storage media such as the memory unit 32 and ROM into a work area on the RAM and executes them. The ROM is a non-volatile memory, and permanently stores programs such as the boot program and BIOS, as well as data. The RAM is a volatile memory, and temporarily stores programs and data loaded from the memory unit 32, ROM, etc., and also has a work area that the control unit 31 uses to perform various processes.

The storage unit 32 is a hard disk drive, solid state drive, flash memory, etc., and stores the programs executed by the identity verification support device 3 during the processing described below, data necessary for program execution, the OS, etc. These programs and data are read and executed as necessary by the control unit 31. In this embodiment, a group of specific addresses to be avoided, such as the addresses of criminals, is stored in advance in the storage unit 32 as a so-called blacklist, etc.

The display unit 33 is an LCD display or the like, and displays various information related to identity verification.

The communication unit 34 is a communication interface that mediates communication via a network, and communicates with the user terminal 5.

The user terminal 5 is a camera-equipped terminal carried by the user, and transmits a photographed image of the user's ID card 10 and other information required for identity verification to the identity verification support device 3. The user terminal 5 may be, for example, a mobile terminal such as a smartphone or a tablet terminal.

Figure 3 is a diagram showing the hardware configuration of the user terminal 5. As shown in Figure 3, the user terminal 5 can be realized by a computer configured by connecting a control unit 51, a memory unit 52, a display unit 53, an input unit 54, a communication unit 55, a camera 56, an audio input/output unit 57, etc., via a bus or the like. However, the present invention is not limited to this, and various configurations can be used as appropriate.

The control unit 51, the memory unit 52, and the communication unit 55 are substantially the same as the control unit 31, the memory unit 32, and the communication unit 34 described above. The memory unit 52 stores a dedicated application program for the user terminal 5 to execute the processing described below.

The display unit 53 has a display device such as a liquid crystal panel, and a touch panel is provided as the input unit 54 for inputting data to the user terminal 5. The audio input/output unit 57 includes a microphone and a speaker used for audio input and output.

Camera 56 is an area camera that is composed of an optical lens, an imaging element such as a CCD (Charge coupled device) or a CMOS (Complementary metal-oxide semiconductor), an A/D (Analog/Digital) converter, etc. Camera 56 photoelectrically converts the subject image input through the optical lens using the imaging element to generate an analog image signal. The A/D converter then converts the analog image signal into digital image data.

Figure 4 is a diagram showing the functional configuration of the identity verification support device 3. The identity verification support device 3 has a receiving means 301, an acquiring means 302, a comparing means 303, etc.

The receiving means 301 is a means by which the control unit 31 of the identity verification support device 3 receives a captured image of the ID card 10 and location information of the user terminal 5 at the time the ID card 10 was captured from the user terminal 5 via the communication unit 34.

The acquisition means 302 is a means by which the control unit 31 of the identity verification support device 3 acquires the user's address information. In this embodiment, the user's address information is required for identity verification, and is received and acquired from the user terminal 5 via the communication unit 34.

The comparison means 303 is a means by which the control unit 31 of the identity verification support device 3 compares the location information of the user terminal 5 and the user's address information for identity verification. Details of this process will be described later.

(2. ID Card 10)
The ID card 10 is an identity card used for identity verification in this embodiment. An identity card is a medium used for identity verification by financial institutions, mobile phone carriers, etc., and is, for example, a driver's license, a My Number card, a residence card, a special permanent resident card, etc.

Figures 5(a) and (b) are schematic diagrams showing the front and back of an ID card 10, respectively. The ID card 10 is a roughly rectangular card substrate having the card holder's address 11, as well as the card holder's name, face image, and issue number of the ID card 10 printed in a predetermined position on the front of the card. In addition, a notes section 21 is provided in a predetermined position on the back of the card to write the new address if the address is updated.

(3. Identity verification method)
6 is a flowchart showing the flow of the identity verification method executed by the identity verification system 1. S1 to S2 and S4 to S5 in FIG. 6 are steps in which the control unit 51 of the user terminal 5 controls each unit of the user terminal 5. S3 and S6 to S7 are processes executed by the control unit 31 of the personal identification support device 3 by controlling each unit of the personal identification support device 3.

In this embodiment, the user first operates the user terminal 5 to launch a dedicated application program stored in the memory unit 52. The user terminal 5 then displays a menu screen (not shown) on the display unit 53, and starts the camera 56 in accordance with the user's selection on the menu screen to capture an image of the face of the ID card 10 (S1). In this embodiment, the front and back faces of the ID card 10 shown in Figures 5(a) and (b) are captured.

Here, the data of the captured image of the ID card 10 includes location information of the user terminal 5 at the time of capturing the ID card 10, obtained by a global positioning system (GPS) or the like, as EXIF (Exchangeable image file format) information or the like. The user terminal 5 transmits the captured image of the ID card 10 together with the location information of the user terminal 5 at the time of capturing the ID card 10 to the identity verification support device 3 (S2). The identity verification support device 3 receives the captured image of the ID card 10 and the location information of the user terminal 5 at the time of capturing the ID card 10 from the user terminal 5 (S3).

The user also operates the user terminal 5 to input information required for identity verification (called identity verification information) into the user terminal 5. The user terminal 5 accepts the input of the identity verification information (S4) and transmits the identity verification information to the identity verification support device 3 (S5). This identity verification information includes address information indicating the user's address, and the identity verification support device 3 receives the identity verification information including the address information from the user terminal 5 (S6).

Then, the identity verification support device 3 compares the location information of the user terminal 5 at the time the ID card 10 was photographed and the user's address information to verify the identity of the user (S7).

Figure 7 is a flowchart showing the comparison process executed in S7. In this embodiment, in S7, the user's address information is compared with the location information of the user terminal 5 at the time of photographing the ID card 10 (S71), and the user's address information is compared with a predetermined group of addresses to be avoided that are stored in the memory unit 32 of the identity verification support device 3 (S72).

As shown in FIG. 8(a), if the user's address information matches the location information of the user terminal 5 at the time the ID card 10 was photographed, and if the user's address information matches any address in the predetermined address group (S73; match in S71, match in S72), it is determined that identity verification has failed because the user's address is an address that should be avoided (S74). The fact that identity verification has failed is notified to the user terminal 5 and is also displayed on the display unit 33 of the identity verification support device 3. Note that it is possible to appropriately set how close the user's address information and the location information of the user terminal 5 must be to be to be considered a match. This also applies to the comparison of the user's address information with the predetermined address group.

If the user's address information matches the location information of the user terminal 5 at the time of photographing the ID card 10, but the user's address information does not match any of the addresses in the predetermined address group (S73; match in S71, mismatch in S72), it is determined that identity verification has been successful (S75). The fact that identity verification has been successful is notified to the user terminal 5 and is also displayed on the display unit 33 of the identity verification support device 3.

If the user's address information does not match the location information of the user terminal 5 at the time the ID card 10 was photographed, but the user's address information matches any address in the predetermined group of addresses (S73; no match in S71, match in S72), it is determined that the user's address is an address that should be avoided and identity verification has failed (S76). As described above, the fact that identity verification has failed is notified to the user terminal 5 and is also displayed on the display unit 33 of the identity verification support device 3.

If the user's address information does not match the location information of the user terminal 5 at the time of photographing the ID card 10, and the user's address information does not match all of the addresses in the predetermined address group (S73; mismatch in S71, mismatch in S72), the user did not take the image at home, where the photographing environment is relatively good and the user is familiar with, but instead went outside to take the image. Therefore, it is considered that there is a possibility that some kind of foul play may be suspected in the discrepancy between the user's address information and the location information of the user terminal 5, and an alert (warning) is displayed on the display unit 33 (S77) to alert the person in charge.

For example, if a user who lives at an address in the specified group of addresses writes an address that is not in the specified group of addresses on the back of the ID card 10 and inputs that address in S4 (see FIG. 6) (resulting in a mismatch in S72), but the ID card 10 is photographed at home (resulting in a mismatch in S71), an alert will be displayed in S77. In the flow of S7, an alert will be displayed in all cases, including the above case, where the address input in S4 is not in the specified group of addresses, but the ID card 10 is photographed at an address other than the input address.

In this case, the person in charge will carefully verify the user's identity based on the user's address information, the location information of the user's terminal 5 at the time the ID card 10 was photographed, the image captured on the ID card 10, etc.

Figure 8 (b) is an example of a display screen for identity verification displayed on the display unit 33 at this time. In this example, the user's address information 331, the position information 332 of the user terminal 5 at the time the ID card 10 was photographed, and an address 333 in the predetermined address group are displayed on a map, and a comprehensive identity verification judgment can be made taking into consideration the location indicated by the address information 331 and the position information 332, the proximity between the address information 331 and the position information 332, and the proximity between the position information 332 and the address 333, and subsequent actions can be decided. In addition, for the address information 331, a circumference 334 indicating a range of a predetermined distance from the position is displayed, which aids in the above judgment.

As described above, in this embodiment, when a captured image of the ID card 10 for identity verification is received from the user terminal 5, the location information of the user terminal 5 at the time the captured image was taken is compared with the user's address information. If these do not match, this means that the user did not take the image at home, where the shooting environment is relatively good and the user is familiar with, but rather went out to take the image, and some kind of foul play should be suspected. To be on the safe side, the above comparison is made and used for identity verification.

In addition, in this embodiment, a group of addresses to be avoided is predefined as a so-called blacklist, and these addresses are compared with the user's address information for identity verification, thereby improving the accuracy of identity verification.

In addition, in this embodiment, if the location information of the user terminal 5 at the time of photographing the ID card 10 does not match the user's address information, a display screen showing the above location information and the user's address information on a map is displayed, thereby assisting the person in charge in verifying the identity of the user based on the above location information, etc.

However, the present invention is not limited to the above-described embodiment. For example, in this embodiment, an example of identity verification when applying to open an account or purchase a smartphone or the like is described, but the application or purpose of identity verification is not particularly limited.

The identity verification support device 3 may also compare the location information of the user terminal 5 at the time the ID card 10 is photographed with a predetermined group of addresses to be avoided. In this case, in the case described above, i.e., a user who lives at an address in the above-mentioned predetermined group of addresses writes an address that is not in the predetermined group of addresses on the back of the ID card 10 and inputs the address in S4 (see FIG. 6) described above, but photographs the ID card 10 at home, the location information of the user terminal 5 at the time the ID card 10 is photographed matches an address in the predetermined group of addresses, so the application is deemed fraudulent and identity verification fails.

Furthermore, the degree of match between the location information of the user terminal 5 at the time the ID card 10 was photographed and the user's address information can be calculated and used for identity verification. The method is not particularly limited, but for example, as shown in FIG. 9, the location information of the user terminal 5 at the time the ID card 10 was photographed, recorded as GPS information, can be converted into text address information, and the degree of match with the user's address information can be seen. For example, if the addresses match from the prefecture to the street number, it is considered that the location information of the user terminal 5 at the time the ID card 10 was photographed and the user's address information match (complete match); otherwise, it is considered that the two do not match.

In the latter case, the degree of match is calculated based on the degree of match between the location information of the user terminal 5 and the user's address information. For example, if there is a match from the prefecture to the town name, a high degree of match (almost a match) is given, whereas if there is a match only with the prefecture or if there is no match even with the prefecture, a low degree of match (no match) is given. In the above-mentioned alert (see S77 in FIG. 7), the alert level according to the degree of match can be displayed on the display unit 33 of the identity verification support device 3 to support the identity verification by the person in charge.

In addition, in this embodiment, the address information entered by the user is used for comparison, but instead, the address written on the front or back of the ID card 10 may be read using OCR (Optical character recognition) technology from the photographed image of the ID card 10 received in S3 (see FIG. 6) and obtained as address information for comparison. In this case, if any address from the above-mentioned predetermined address group is written on the front or back of the ID card 10, it is considered to be a fraudulent application and identity verification will fail.

In this embodiment, a photographed image of the ID card 10 (identification card) is sent to the identification support device 3, but the present invention can also be applied to cases where other images for identification (such as a facial image) are sent to the identification support device 3. However, the present invention can be suitably applied to cases where an image of an identification card such as a driver's license is sent to make various applications.

The above describes preferred embodiments of the present invention with reference to the attached drawings, but the present invention is not limited to these examples. It is clear that a person skilled in the art can come up with various modified or revised examples within the scope of the technical ideas disclosed in this application, and it is understood that these also naturally fall within the technical scope of the present invention.

1: Personal identification system 3: Personal identification support device 5: User terminal 10: ID card 301: Receiving means 302: Acquiring means 303: Comparing means

Claims (4)

A receiving means for receiving an image for personal identification from a user terminal and location information of the user terminal at the time of capturing the image;
An acquisition means for acquiring address information of a user;
A comparison means for comparing location information of the user terminal with address information of the user for identity verification;
having
The comparison means further compares the user's address information with a predetermined group of addresses to be avoided;
The comparison means of this identity verification support device is characterized in that when the location information of the user terminal does not match the user's address information and the user's address information does not match all of the addresses in the specified address group, it displays a display screen showing the location information of the user terminal, the user's address information, and the addresses in the specified address group on a map . 2. The apparatus according to claim 1 , wherein the image is an image of an identification card. The identity verification support device of claim 1 or claim 2, characterized in that the comparison means converts the location information of the user terminal, which is GPS information , into text, and calculates the degree of match between the location information of the user terminal converted into text and the user's address information, which is text, based on the text of the location information of the user terminal and the text of the user's address information . Computer,
A receiving means for receiving an image for personal identification from a user terminal and location information of the user terminal at the time of capturing the image;
An acquisition means for acquiring address information of a user;
A comparison means for comparing location information of the user terminal with address information of the user for identity verification;
having
The comparison means further compares the user's address information with a predetermined group of addresses to be avoided;
The comparison means is a program for functioning as an identity verification support device that displays a display screen showing the location information of the user terminal, the user's address information, and the addresses in the specified address group on a map when the location information of the user terminal does not match the user's address information and the user's address information does not match all the addresses in the specified address group .

Images