JP7732275B2 - Information processing device, information processing method, program, and system - Google Patents

Description

The present invention relates to an information processing device, an information processing method, a program, and a system.

When opening an account at a financial institution, you are required to fill out an account opening application form and a seal impression slip. Typically, these forms are completed by hand. The information entered on the seal impression slip is later registered in a seal inquiry system and used to verify your identity when withdrawing funds, etc.

In addition, technology has been proposed for scanning and imaging seal stamps, as disclosed in Patent Document 1, for example.

JP 2015-191367 A

However, the technology disclosed in Patent Document 1 is limited to imaging seal stamps issued on paper, and it is difficult to say that it sufficiently reduces the workload of customers opening accounts and bank employees performing account opening procedures.

The present invention was made in consideration of the above problems, and its object is to provide a new and improved information processing device, information processing method, program, and system that can streamline the process of registering an image for personal identification when opening an account.

In order to solve the above problem, according to one aspect of the present invention, an information processing device is provided that includes an input unit used to input account opening information required to open an account, a signature image acquisition unit that acquires an image of a signature handwritten by the person opening the account, an identity verification image acquisition unit that acquires an identity verification image used to verify the identity of the person opening the account, and a synthesis unit that generates synthesized data that associates the account opening information, the signature image, and the identity verification image.

The identity verification image may include a seal image taken from the impression of a seal owned by the person opening the account.

The identity verification image may include a biometric image of the person opening the account.

The composite data may include a seal image, and the composition unit may combine the account opening information, the signature image, and the seal image to generate the seal image.

The information processing device may further include a communication unit that transmits the composite data to a server that stores information used to verify the identity of the person opening the account.

In order to solve the above problem, according to another aspect of the present invention, there is provided an information processing method including: acquiring account opening information required to open an account; acquiring an image of a signature handwritten by the person opening the account; acquiring an identity verification image used to verify the identity of the person opening the account; and generating composite data that associates the account opening information, the signature image, and the identity verification image.

In order to solve the above problem, according to another aspect of the present invention, there is provided a program that causes a computer to function as an information processing device, comprising: an input unit used to input account opening information required for opening an account; a signature image acquisition unit that acquires an image of a signature handwritten by the person opening the account; an identity verification image acquisition unit that acquires an identity verification image used to verify the identity of the person opening the account; and a synthesis unit that generates synthesized data that associates the account opening information, the signature image, and the identity verification image.

Furthermore, in order to solve the above-mentioned problems, according to another aspect of the present invention, a system is provided that includes an information processing device and a server, wherein the information processing device includes an input unit used to input account opening information required for opening an account, a signature image acquisition unit that acquires an image of a signature handwritten by the person opening the account, an identity verification image acquisition unit that acquires an identity verification image used to verify the identity of the person opening the account, and a synthesis unit that generates composite data that associates the account opening information, the signature image, and the identity verification image, and the server includes a storage unit that stores the composite data.

As described above, the present invention makes it possible to streamline the process of registering identity verification images when opening an account.

FIG. 10 is a diagram illustrating an example of a conventional processing flow of a seal stamp. FIG. 1 is a diagram showing an example of a conventional paper seal stamp. 1 is a block diagram showing an example of the configuration of a system 1 according to a first embodiment of the present invention. FIG. 2 is a block diagram showing an example of the configuration of an information processing device 10 according to the embodiment. 10 is a flowchart showing the flow of storing a seal stamp image according to the embodiment. FIG. 10 is a block diagram showing an example of the configuration of a system 1 according to a second embodiment of the present invention. 10 is a flowchart showing a flow of data registration in the inquiry server 40 according to the embodiment. FIG. 9 is a diagram showing the hardware configuration of an information processing device 900 having the same hardware configuration as the information processing device 10 according to one embodiment of the present invention.

Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings. Note that in this specification and drawings, components having substantially the same functional configuration will be designated by the same reference numerals, and redundant explanations will be omitted.

<1. Conventional seal stamp processing>
In order to clarify the effects of one embodiment of the present invention, first, a conventional method for processing a seal stamp will be described.

Figure 1 is a diagram illustrating an example of the conventional processing flow for seal stamps.

A customer wishing to open an account visits a financial institution's branch, checks in at the counter, and fills out a paper account opening application form D1 and a seal stamp form D2.

A bank employee at the branch uses the branch terminal 60 to process the account opening based on the details of the account opening application form D1 handwritten by the customer.

Figure 2 shows an example of a seal stamp D2. A customer opening an account handwrites information such as their address, name, and place of employment on the seal stamp D2, and also stamps it with a seal that will be used for identity verification when withdrawing funds, etc.

In addition, the seal stamp D2 will contain information such as the account number and ID obtained by the bank employee during the account opening process, as well as the branch number and account number.

The explanation will continue with reference to Figure 1 again. The created paper seal stamp D2 is transported to the financial institution's administrative center for data registration in the seal inquiry server 80.

At the administrative center, the seal stamp D2 is first scanned and imaged using a scanning terminal 65. The imaged seal stamp image is then stored in the image storage server 70.

Meanwhile, once scanned, the paper seal stamp D2 is returned to the branch and stored.

An operator at the administrative center uses the registration terminal 75 to cut out and adjust the density of the seal image and signature image from the seal stamp image stored in the image storage server 70.

The operator also associates the processed seal image and signature image with the account opening information contained in the seal slip image and registers them in the seal inquiry server 80.

When a customer wishes to withdraw money from an account they have opened, a bank employee at the branch uses the branch terminal 60 to access the seal inquiry server 80 and determine whether the seal image registered on the seal inquiry server 80 matches the seal brought by the customer.

If the bank employee determines that the seal image registered on the seal inquiry server 80 matches the seal brought by the customer, they will process the withdrawal; if they determine that they do not match, they will refuse the withdrawal.

The above explains an example of how traditional seal stamp slips are processed. As mentioned above, traditional seal stamp slips were created by hand, which was time-consuming for both customers and bank branch employees.

In addition, the task of digitizing paper seal stamps and registering them on the seal inquiry server 80 was a heavy workload for the office center operator.

Furthermore, issuing paper seal stamps is hardly desirable from an environmental conservation perspective, and there are concerns about securing storage space and the work involved.

The technical concept of one embodiment of the present invention was conceived with the above points in mind, and aims to streamline the process of registering images for identity verification when opening an account.

The following describes in detail an embodiment that achieves the above.

2. First Embodiment
<<2.1. System configuration example>>
First, a configuration example of the system 1 according to the first embodiment of the present invention will be described. Fig. 3 is a block diagram showing a configuration example of the system 1 according to the first embodiment of the present invention.

As shown in FIG. 1, the system 1 according to this embodiment includes an information processing device 10, an image storage server 20, a registration terminal 30, and a query server 40.

(Information processing device 10)
The information processing device 10 according to the present embodiment is a device used to acquire various information required for opening an account. The information processing device 10 according to the present embodiment may be, for example, a tablet.

The person opening the account may use the information processing device 10 to register a signature image, an image for identity verification, and other personal information.

The above-mentioned identity verification image may be any image used to verify the identity of the person opening the account.

One example of an image for identity verification is a seal image taken from the impression of a seal owned by the person opening the account.

Furthermore, the identity verification image may include, for example, a biometric image of the person opening the account.

Biometric images may include vein images, fingerprint images, facial images, and iris images.

In addition, bank staff at the branch may be able to register account opening information, including the account number, using the information processing device 10.

One of the features of the information processing device 10 according to one embodiment of the present invention is that it generates composite data that associates the above-mentioned signature image, identity verification image, and account opening information.

In the first embodiment, the composite data may be an image of an identity verification form. For example, if a seal image is used as the identity verification image, the identity verification form image may be an image of a seal stamp.

A detailed configuration example of the information processing device 10 will be described separately.

(Image storage server 20)
The image storage server 20 according to this embodiment is a server that includes a storage unit that stores the image of the personal identification form generated by the information processing device 10 .

The image storage server 20 according to this embodiment communicates with the information processing device 10 via the network 50.

(Registration terminal 30)
The registration terminal 30 in this embodiment is a terminal that allows an operator at an administrative center to extract an identity verification image and a signature image from an identity verification form image stored in the image storage server 20, and register them in the inquiry server 40.

The registration terminal 30 according to this embodiment may have the same functions as the conventional registration terminal 75 described above.

(Inquiry Server 40)
The inquiry server 40 according to this embodiment is a server that stores data used for identity verification when making withdrawals, etc. The inquiry server 40 may also control a user interface for data inquiries.

The data used for the above identity verification includes an identity verification image, a signature image, and account opening information.

<<2.2. Configuration example of information processing device 10>>
Next, a configuration example of the information processing apparatus 10 according to the first embodiment of the present invention will be described. Fig. 4 is a block diagram showing a configuration example of the information processing apparatus 10 according to this embodiment.

As shown in FIG. 4, the information processing device 10 according to this embodiment may include a display unit 110, an input unit 120, a signature image acquisition unit 130, an identity verification image acquisition unit 140, a synthesis unit 150, and a communication unit 160.

(Display section 110)
The display unit 110 according to the present embodiment displays various types of information. To this end, the display unit 110 includes a display.

(Input unit 120)
The input unit 120 according to this embodiment accepts input of various types of text.

For example, the input unit 120 according to this embodiment may be used to input account opening information required for opening an account.

The account opening information may include, for example, information regarding the address, name, and place of employment of the person opening the account, as well as the account number, various IDs, branch number, subject, etc.

Note that if the information processing device 10 is a tablet, the input unit 120 may be a touch panel formed integrally with the display unit 110.

On the other hand, the input unit 120 may be a keyboard or the like that is provided separately from the display unit 110.

(Signature Image Acquisition Unit 130)
The signature image acquisition unit 130 according to this embodiment acquires an image of a signature handwritten by a person who opens an account.

The signature image acquisition unit 130 is a touch panel formed integrally with the display unit 110 and may have the same configuration as the input unit 120.

On the other hand, the signature image acquisition unit 130 may be an input pad or the like that is provided separately from the display unit 110 and the input unit 120.

The person opening the account will, for example, handwrite their signature on the signature image acquisition unit 130 using an electronic pen or the like.

(Personal Verification Image Acquisition Unit 140)
The personal identification image acquisition unit 140 according to this embodiment acquires a personal identification image used for identifying a person who opens an account.

As mentioned above, the identity verification image according to this embodiment may be, for example, a seal image obtained by photographing the impression of a seal.

When a seal image is used as the personal identification image, the personal identification image acquisition unit 140 is equipped with a scanner for capturing the seal impression.

Furthermore, the identity verification image according to this embodiment may be, for example, a biometric image. In this case, various types of imaging devices are provided for acquiring the biometric image.

Note that multiple types of identity verification images may be used. For example, identity verification may be performed using a seal image and a vein image.

(Synthesizing unit 150)
The synthesis unit 150 according to one embodiment of the present invention generates synthesized data that associates the account opening information input using the input unit 120, the signature image acquired by the signature image acquisition unit 130, and the identity verification image acquired by the identity verification image acquisition unit 140.

In the first embodiment of the present invention, the composite data may be an image of a personal identification form. For example, if a seal image is used as the personal identification image, the personal identification form image may be a seal stamp image formed in a format equivalent to the paper seal stamp D2 shown in Figure 2.

The synthesis unit 150 according to the first embodiment of the present invention synthesizes account opening information, a signature image, and an identity verification image to generate a seal stamp image.

The above-described functions of the synthesis unit 150 according to the first embodiment of the present invention make it possible to effectively reduce the effort required of customers and bank employees to handwrite paper seal slips.

Furthermore, the above-mentioned functions of the synthesis unit 150 according to this embodiment eliminate the need to scan paper seal stamps, thereby improving the work efficiency of operators at the administrative center.

Furthermore, it will be possible to significantly reduce the costs required for transporting and storing paper seals.

(Communication unit 160)
The communication unit 160 according to this embodiment communicates information with the image storage server 20 via the network 50 .

The communication unit 160 in this embodiment transmits the identity verification form image generated by the synthesis unit 150 to the image storage server 20.

The above describes an example configuration of the information processing device 10 according to the first embodiment of the present invention. Note that the configuration described using Figure 4 is merely an example, and the configuration of the information processing device 10 according to this embodiment is not limited to this example.

The configuration of the information processing device 10 according to this embodiment can be flexibly modified depending on the specifications and operation.

<<2.3. Flow of storing images of identity verification forms>>
Next, a flow of storing an image of a personal identification form according to this embodiment will be described in detail. Note that the following description will be given taking as an example a case where the image of the personal identification form is a seal image and the image of the personal identification form is a seal stamp image.

Figure 5 is a flowchart showing the process for storing seal stamp images according to this embodiment.

In the example shown in Figure 5, first, a bank employee at a branch office verifies the identity of the person opening an account using identification documents such as a driver's license (S102).

Next, a bank employee at the branch checks whether the person opening the account has any ties to anti-social forces, a so-called anti-social forces check (S104).

Next, the person opening the account and the branch employee enter the account opening information using the input unit 120 of the information processing device 10 while engaging in a conversation (S106).

Next, the person opening the account signs their signature by hand using an electronic pen or the like, and the signature image is acquired by the signature image acquisition unit 130 (S108).

Next, the person opening the account stamps their seal into the personal identification image acquisition unit 140 without using ink, and the personal identification image acquisition unit 140 acquires an image of the seal (S110).

Next, a bank employee at the branch issues a passbook based on the account opening information entered in step S106 (S112).

Next, the synthesis unit 150 synthesizes the account opening information entered in step S106, the signature image acquired in step S108, and the seal image acquired in step S110 to generate a seal stamp image (S114).

Next, the communication unit 160 transmits the seal stamp image generated in step S114 to the image storage server 20, and the image storage server 20 stores the seal stamp image (S116).

The above explains an example of the process for storing seal images according to this embodiment.

By following the process described above, it is possible to generate and store seal stamp images containing the same information as images scanned from conventional paper documents.

This means that even if it is difficult to completely eliminate paper seal stamps, it is possible to improve operational efficiency without making major changes to existing operations.

3. Second embodiment
<<3.1. System configuration example>>
Next, a second embodiment of the present invention will be described. In the first embodiment, the synthesizing unit 150 generates a seal stamp image having the same format and information as a conventional paper seal stamp.

On the other hand, if traditional paper seal stamps can be completely eliminated, seal stamp images do not necessarily need to be generated.

For this reason, the synthesis unit 150 according to the second embodiment of the present invention does not need to process the synthesized data that associates the account opening information, signature image, and seal image into a report format.

In this case, the communication unit 160 according to the second embodiment of the present invention may transmit composite data associating the account opening information, signature image, and seal image to the inquiry server 40, and directly register the composite data.

This eliminates the need for operators at the administrative center to extract signature and seal images from seal slip images, further improving work efficiency.

Figure 6 is a block diagram showing an example configuration of system 1 according to the second embodiment of the present invention.

As mentioned above, in this embodiment, a seal stamp image is not generated. Therefore, the system 1 according to this embodiment includes an information processing device 10 and a query server 40, but does not include an image storage server 20 and a registration terminal 30.

Note that the configuration of the information processing device 10 according to the second embodiment of the present invention may be substantially the same as the configuration of the information processing device 10 according to the first embodiment.

However, as mentioned above, the second embodiment differs from the first embodiment in that the synthesis unit 150 does not generate a seal stamp image, and the communication unit 160 transmits the synthesis data to the inquiry server 40 and directly registers the synthesis data.

<<3.2. Flow of data registration to inquiry server 40>>
Next, a flow of data registration in the inquiry server 40 according to the second embodiment of the present invention will be described in detail.

Figure 7 is a flowchart showing the flow of data registration to the inquiry server 40 in the second embodiment of this embodiment.

The processing in steps S202 to S212 shown in Figure 7 may be substantially the same as the processing in steps S202 to S212 shown in Figure 5, so detailed description will be omitted.

The synthesis unit 150 according to this embodiment generates synthesized data that associates the account opening information entered in step S206, the signature image acquired in step S208, and the seal image acquired in step S210, and the communication unit 160 according to this embodiment registers the synthesized data on the inquiry server 40 (S214).

4. Hardware Configuration
Next, an example of the hardware configuration of the information processing device 10 according to an embodiment of the present invention will be described. Below, an example of the hardware configuration of an information processing device 900 having the same hardware configuration as the information processing device 10 according to an embodiment of the present invention will be described.

Figure 8 is a diagram showing the hardware configuration of an information processing device 900 having a hardware configuration equivalent to that of the information processing device 10 according to one embodiment of the present invention. The information processing device 900 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, and a communication device 911.

The CPU 901 functions as an arithmetic processing device and control device, and controls the overall operation of the information processing device 900 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, etc. The RAM 903 temporarily stores programs used in the execution of the CPU 901, and parameters that change as appropriate during the execution. These are interconnected by a host bus 904, which is composed of a CPU bus, etc.

The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect/Interface) bus, via a bridge 905. Note that the host bus 904, bridge 905, and external bus 906 do not necessarily need to be configured separately; these functions may be implemented on a single bus.

The input device 908 is composed of input means for the user to input information, such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers, and an input control circuit that generates input signals based on user input and outputs them to the CPU 901. By operating this input device 908, the user operating the information processing device 900 can input various data to the information processing device 900 and instruct processing operations.

The output device 909 includes, for example, display devices such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, a lamp, and an audio output device such as a speaker.

The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, and a deletion device that deletes data recorded on the storage medium. The storage device 910 is configured, for example, with an HDD (Hard Disk Drive). This storage device 910 drives the hard disk and stores programs executed by the CPU 901 and various data.

The communication device 911 is, for example, a communication interface configured with a communication device for connecting to a network. Furthermore, the communication device 911 may support either wireless communication or wired communication.

<5. Conclusion>
As described above, the information processing device 10 according to one embodiment of the present invention comprises an input unit 120 used to input account opening information required for opening an account, a signature image acquisition unit 130 that acquires an image of a signature handwritten by the person opening the account, an identity verification image acquisition unit 140 that acquires an identity verification image used to verify the identity of the person opening the account, and a synthesis unit 150 that generates synthesized data that associates the account opening information, signature image, and identity verification image.

The above configuration makes it possible to streamline the process of registering an image for identity verification when opening an account.

The above describes in detail preferred embodiments of the present invention with reference to the accompanying drawings, but the present invention is not limited to such examples. It is clear that a person with ordinary skill in the technical field to which the present invention pertains can conceive of various modifications or alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

For example, in the above embodiment, an example was given of applying system 1 to identity verification at a financial institution, but the present invention can be widely applied to a variety of operations that use image data to verify identity.

In addition, for example, while the above embodiment has been described primarily as an example in which the information processing device 10 is installed in a financial institution's branch, the information processing device 10 may also be used in unmanned stores, private homes, etc. Using an information processing device 10 with the above-described functions, customers can open an account without having to go to the trouble of visiting a branch. For this reason, the present invention is also extremely beneficial for customers who find it difficult to visit a financial institution's branch.

Furthermore, the series of processes performed by each device described in this specification may be realized using software, hardware, or a combination of software and hardware. The programs constituting the software are, for example, provided inside or outside each device and stored in advance on a non-transitory computer-readable storage medium. Each program is then loaded into RAM when executed by the computer, and executed by a processor such as a CPU. The storage medium may be, for example, a magnetic disk, optical disk, magneto-optical disk, flash memory, etc. Furthermore, the computer programs may be distributed, for example, via a network, without using a storage medium.

REFERENCE SIGNS LIST 1 System 10 Information processing device 110 Display unit 120 Input unit 130 Signature image acquisition unit 140 Personal identification image acquisition unit 150 Combining unit 160 Communication unit 20 Image storage server 30 Registration terminal 40 Inquiry server 50 Network

Claims (4)

an input unit used to input account opening information required for opening an account;
a signature image capture unit that captures an image of a handwritten signature entered by the person opening the account via an electronic input device ;
an identity verification image acquisition unit that acquires an identity verification image, which is a seal image used to verify the identity of the person opening the account;
a synthesis unit that generates a seal stamp image, which is synthesized data in which the account opening information, the signature image, and the personal identification image are associated with each other, and has a format equivalent to that of a paper seal stamp ;
a communication unit that transmits the seal stamp image to a server that stores a scanned image of the paper seal stamp used for verifying the identity of the person opening the account;
Equipped with
Information processing device. Obtaining account opening information required to open an account;
capturing an image of a handwritten signature performed by the person opening the account via an electronic input device ;
acquiring a seal image as an identity verification image used to verify the identity of the person opening the account;
generating a seal image, which is composite data in which the account opening information, the signature image, and the identity verification image are associated with each other, and which has a format equivalent to that of a paper seal image ;
Sending the seal stamp image to a server that stores a scanned image of the paper seal stamp used for verifying the identity of the person opening the account;
Including,
A computer-implemented information processing method. Computer,
an input unit used to input account opening information required for opening an account;
a signature image capture unit that captures an image of a handwritten signature entered by the person opening the account via an electronic input device ;
an identity verification image acquisition unit that acquires an identity verification image, which is a seal image used to verify the identity of the person opening the account;
a synthesis unit that generates a seal stamp image, which is synthesized data in which the account opening information, the signature image, and the personal identification image are associated with each other, and has a format equivalent to that of a paper seal stamp ;
a communication unit that transmits the seal stamp image to a server that stores a scanned image of the paper seal stamp used for verifying the identity of the person opening the account;
Equipped with
information processing device,
A program that functions as a An information processing device and a server are provided,
The information processing device includes:
an input unit used to input account opening information required for opening an account;
a signature image capture unit that captures an image of a handwritten signature entered by the person opening the account via an electronic input device ;
an identity verification image acquisition unit that acquires an identity verification image, which is a seal image used to verify the identity of the person opening the account;
a synthesis unit that generates a seal stamp image, which is synthesized data in which the account opening information, the signature image, and the personal identification image are associated with each other, and has a format equivalent to that of a paper seal stamp ;
a communication unit that transmits the image of the seal stamp to a server that stores information used for verifying the identity of the person opening the account;
Equipped with
The server
a storage unit that stores the seal stamp image and a scanned image of the paper seal stamp ;
Equipped with
system.