JP2006079254A - Server, terminal equipment and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an application processing system for enabling a user to verify the authenticity of written contents, and to quickly perform processing based on information entered in a slip for an electronic pen. <P>SOLUTION: In an application processing system 100, a user makes an entry in an application form 3 by using an electronic pen 10, and an electronic pen 10 acquires entry information related with a check mark or characters entered by the user, and the acquired entry information is acquired by a server 5, and the server 5 specifies the item identification information of items configuring an application format 3 in which the user has made an entry by referring to coordinate information 504, and the server 5 specifies the contents of the corresponding items by referring to the coordinate information 504 based on the item identification information, and detects any entry error by the user based on the contents of the items and the entry information, and presents the information related with the detected entry error to the user. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique for quickly performing processing based on information entered with an electronic pen.

  When purchasing expensive products such as cars and jewelry, the purchaser may be unable to pay in cash or in a lump. Therefore, various payment forms such as a credit card and a loan are currently applied, and a loan application and a credit card application are often performed at a store where a product is sold.

  Specifically, when applying for a loan, first, the salesperson of the store enters “product name” and “amount”, and the purchaser of the product enters “name” and “address” as necessary items on the application form. Further, the salesperson copies the application form and faxes it to the credit center that performs the credit work. The credit center sorts application forms received by fax, and then performs credit work based on information entered in the application form. The credit center then informs the store of the result of the credit work by telephone or fax. If there is no problem in the result of the credit work, the store sales person accepts the purchaser's application. Conventionally, loan application and credit card application have been performed by such processing.

  However, in the conventional processing, there are many steps until the store salesperson requests credit from the credit center, and it is difficult to quickly accept the purchaser's application. In addition, sales staff often have to leave their seats when copying and faxing application forms, causing the problem that the buyer returns while they are away.

  In addition, in the conventional process, there are many occasions where the application form is scanned by copying or faxing, so there are problems that the image quality is deteriorated, the readability of fine characters is deteriorated, and the confirmation of the seal is insufficient. . Furthermore, when a salesperson at a store sends a fax incorrectly, there is a high possibility that personal information entered in the application form will be leaked, resulting in a security problem. On the other hand, even if a store salesperson sends a fax correctly, the credit center takes time to identify the sender of the received fax, and there is a problem that the workload for sorting applications received by fax is heavy. It was happening.

  Further, in the conventional process, since the purchaser of the product fills in the necessary items on the application form, which is a normal paper, the entry mistake is detected by a human. That is, it is difficult to automatically detect entry errors. Furthermore, it is difficult to grasp the purchaser's fraud and the store's fraud that cannot be understood without facing the writer.

  The present invention has been made in view of the above points, and application processing that verifies the authenticity of the contents of entry based on information entered in the electronic pen form by the user and can perform processing quickly. The problem is to provide a system.

  One aspect of the present invention is a server that performs processing using an electronic pen form on which a dot pattern that can be recognized by an electronic pen is printed, and identifies an item that constitutes the electronic pen form Coordinate information holding means for storing coordinate information in which the contents of the items and the position coordinates on the dot pattern are stored in association with the information, and an entry for acquiring the entry information entered in the electronic pen form Information acquisition means, item identification information specifying means for specifying item identification information of an item in which data is entered by referring to the coordinate information based on the entry information, and an item specified by the item identification information specification means An entry error detecting means for detecting an entry error based on the content of the item corresponding to the identification information and the entry information, and when the entry error detecting means detects an entry error. Comprising the erroneous entry presenting means for presenting the information about the erroneous entry, the.

  In the server configured as described above, the user first fills in the electronic pen form using the electronic pen. Here, the electronic pen form is, for example, an application for installment sales, loan application, or credit card application, and the user is a salesperson or purchaser of a high-priced product. Specifically, the purchaser and salesperson who are applicants for loans fill out the application form using the electronic pen. The electronic pen reads the dot pattern on the form along with the movement of the electronic pen, and acquires entry information regarding check marks and characters entered by the user. Here, the entry information includes position coordinates on the dot pattern. The entry information acquired by the electronic pen is acquired by the server. The server refers to the coordinate information based on the position coordinates on the dot pattern included in the entry information, and identifies the item identification information of the items constituting the electronic pen form entered by the user. Further, the server identifies the content of the corresponding item by referring to the coordinate information based on the item identification information, and detects entry mistakes by the user based on the content of the item and the entry information. Specifically, when the content of an item is age and a numerical value has to be entered, but only a check mark is entered, the server detects it as an entry error. Then, the server presents information regarding the detected entry error to the user. More specifically, it is conceivable to display the information about the entry error and the detailed information about the entry error on a screen or send it to a terminal device carried by the user in an e-mail.

  According to this, by using the application form created as an electronic pen and a form for an electronic pen, the entry information is transmitted to the server as electronic data, thereby making it easier and faster than sending the application form by fax. You can make an application request. Further, since the application form is not scanned by copying or faxing, the image quality is not deteriorated. In addition, since the electronic pen transmits the entry information to the server, it is possible to reduce human error such as erroneous transmission of a fax due to erroneous input of a number, and the server performs an operation of sorting application forms for paper media. There is no need. Therefore, the workload on the server side can be reduced.

  This also allows the server to automatically detect entry errors. Furthermore, since the user can easily obtain information regarding the entry error, the entry error can be corrected quickly.

  In one aspect of the server, time extraction means for extracting entry start time and entry end time for each item constituting the electronic pen form from the entry information, and each item extracted by the time extraction means First fraud detection means for detecting fraud based on the entry start time. According to this, fraud can be detected based on the order of entry in the items on the electronic pen form. Specifically, in the case of a loan application, the store that sells high-priced products first fills in the application form with “product name”, “amount”, etc., and after the buyer confirms the contents, “name” and “annual income” However, there is no guarantee that such operations will be thoroughly implemented. However, as in the present invention, by determining the order of items entered based on the entry start time and entry end time included in the entry information, the server easily detects violations of operational rules as fraud. Can grasp.

  In another aspect of the server, the coordinate information is set as to whether or not an item corresponding to the item identification information is a caution item, and is filled in the caution item extracted by the time extraction unit. Entry time calculation means for calculating entry time from start time and entry end time; and second fraud detection means for detecting fraud on the basis of the entry time for the caution item calculated by the entry time calculation means. Prepare. According to this, fraud can be detected based on the entry time for the items requiring attention. Specifically, the caution items are items that are essential items such as “annual income”, “company size”, and “industry” in the application form for loan application, but are confused and require time. If the entry of such items requiring attention is smooth, it is presumed that similar documents can be written fraudulently. Therefore, by utilizing the time information included in the entry information, the credibility is judged based on the entry time for the items requiring attention, and if the entry time is too short, the server detects it as fraudulent. And can grasp.

  In another aspect of the server, the electronic pen form is one in which a signature of an autograph by a user is entered using the electronic pen and a seal is stamped, and the image information of the seal and signature Image information acquisition means for acquiring signature image data extraction means for extracting signature image data relating to the signature from the image information, signature entry data extraction means for extracting signature entry data relating to the signature from the entry information, and By comparing the signature image data and the signature entry data, it is determined whether or not each signature is the same, and based on the determination result of the determination unit, whether or not the seal is genuine And a seal authenticating means for authenticating.

  In the server configured as described above, for example, when using an application form created with a form for electronic pens in a loan application, the store salesperson will use the signature entered by the purchaser as the user and the application form. The imprinted seal is photographed with a CCD (Charge Coupled Device) camera or the like, and the image information is transmitted to the server via the network. The server compares the signature image data included in the acquired image information with the signature entry data included in the entry information on the same scale, thereby determining whether or not each signature is the same. Here, “same” includes a case where they are very similar. Then, the server authenticates the seal stamp and signature signed on the application form based on the signature verification result. According to this, it is possible to confirm the authentication of the seal and signature before the person who performs the predetermined processing obtains the original electronic pen form such as an application form, and it is possible to capture the data including the image of the seal It becomes.

  In another aspect of the server, the server is connected to be able to communicate with a terminal device via a network, and the entry information acquisition means acquires the entry information from the terminal device, The entry information includes position information relating to the position of the terminal device, and the position information extracting means for extracting the position information from the entry information, and the signature is entered in the electronic pen form from the entry information. A signature time extracting means for extracting the recorded time, and a photographing time extracting means for extracting the time when the seal stamp and the signature image were photographed from the image information, wherein the authentication means is determined by the determining means. As a result, based on the position information, the signature time, and the shooting time, it is authenticated whether the seal and the signature are authentic. According to this, when authenticating the seal stamp and the signature, not only the signature verification result but also the signature entry time, the image capturing time, and the position information of the terminal device can be considered. Therefore, the server can accurately authenticate the seal and signature.

  In another aspect of the server, the electronic pen form is printed with a two-dimensional code, and the image information is information obtained by photographing the seal and the signature in a state where the two-dimensional code can be recognized. is there. According to this, in order to improve the photographing accuracy by the CCD camera, a two-dimensional code is printed on the electronic pen form, and photographing in a state where the two-dimensional code can be recognized is promoted, so that a certain angle can be obtained. A photograph is taken at a certain area, which can help subsequent image processing by the server.

  In still another aspect of the server, the two-dimensional code includes information corresponding to the form identification information for identifying the electronic pen form, and the server includes two information about the two-dimensional code included in the image information. Analyzing the dimensional code image data, further comprising a form identification information specifying means for specifying the form identification information, wherein the authentication means is the form identification information specified by the form identification information specifying means, and the determination by the determination means The seal stamp and signature are authenticated based on the result, the position information, the signature time, and the shooting time. According to this, the server extracts the form identification information by analyzing the two-dimensional code image data included in the image information. Based on the form identification information included in the two-dimensional code, in addition to the verification result of the server, signature entry data and signature image data, the position information of the terminal device, the signature entry time, and the image capture time Authenticate the seal and signature on the application form.

  In another aspect of the present invention, a server that uses an electronic pen form on which a dot pattern that can be recognized by an electronic pen is printed, and processes information entered in the electronic pen form via a network A terminal device that is communicably connected to the terminal device, and stores the content of the item and the position coordinates on the dot pattern in association with item identification information that identifies the item constituting the electronic pen form. The coordinate information holding means for holding the coordinate information, the entry information acquisition means for obtaining the entry information entered in the electronic pen form, and referring to the coordinate information based on the entry information, the data is entered. An item identification information specifying means for specifying item identification information of the item that has been selected, an item content corresponding to the item identification information specified by the item identification information specifying means, and the entry information Zui it comprises a fill error detecting means for detecting the erroneous entry, if the entry error detecting means detects the erroneous entry, the erroneous entry presenting means for presenting the information about the erroneous entry, the.

  The terminal device configured as described above can perform screening such as basic error check and entry error detection based on the stroke data taken into the electronic pen before sending the entry information to the server. Therefore, it is possible to transmit the entry information after screening to the server. Therefore, for example, when the terminal device is a mobile phone, after the salesperson and purchaser who are users complete the application form created with the electronic pen form, the mobile phone carried by the salesperson Screening can be performed. Therefore, it is possible to promptly respond to corrections such as entry errors. In addition, the processing load on the server can be reduced.

  In another aspect of the present invention, there is provided a program executed by a computer that performs processing using an electronic pen form on which a dot pattern that can be recognized by the electronic pen is printed, and includes the items constituting the electronic pen form Coordinate information holding means for storing coordinate information in which the content of the item and the position coordinates on the dot pattern are stored in association with item identification information for identifying the information, and entry information entered in the electronic pen form The entry information acquisition means for acquiring the item identification information specifying means for specifying the item identification information of the item in which the data is entered by referring to the coordinate information based on the entry information, and the item identification information specification means The entry error detecting means for detecting an entry error based on the contents of the item corresponding to the item identification information and the entry information, and the entry error detecting means When detecting a mistake, erroneous entry presenting means for presenting the information about the erroneous entry, as causing the computer to function.

  According to still another aspect of the present invention, an electronic pen form on which a dot pattern recognizable by an electronic pen is printed is used, and information entered in the electronic pen form is processed via a network. A program executed by a computer communicably connected to a server, wherein the item content and the position on the dot pattern are associated with item identification information for identifying an item constituting the electronic pen form Coordinate information holding means for storing coordinate information stored with coordinates, entry information acquisition means for acquiring entry information entered in the electronic pen form, by referring to the coordinate information based on the entry information, Item identification information specifying means for specifying item identification information of an item in which data is entered, corresponding to the item identification information specified by the item identification information specifying means An entry error detection means for detecting an entry error based on the contents of the eyes and the entry information; an entry error presentation means for presenting information on the entry error when the entry error detection means detects an entry error; To make the computer function.

  By executing the program by a computer, the above-described server or terminal device can be realized. Moreover, each aspect of the above-mentioned server or terminal device is also realizable.

  According to the present invention, it is possible to verify the authenticity of the entered content based on the information entered by the user in the electronic pen form, and to perform the processing quickly.

  Preferred embodiments of the present invention will be described below with reference to the drawings. First, an outline of an electronic pen used as an input device in the system of the present invention will be described.

[Electronic pen]
FIG. 1 is a diagram schematically showing how the electronic pen is used, and FIG. 2 is a functional block diagram showing the structure of the electronic pen. As shown in FIG. 1, the electronic pen 10 is used in combination with a dedicated paper 20 on which a dot pattern is printed. The electronic pen 10 includes a pen tip portion 17 similar to a normal ink pen, and a user writes characters on the dedicated paper 20 in the same manner as a normal ink pen.

  As shown in FIG. 2, the electronic pen 10 includes a processor 11, a memory 12, a data communication unit 13, a battery 14, an LED 15, a camera 16, and a pressure sensor 18 therein. The electronic pen 10 includes an ink cartridge (not shown) as a component similar to a normal ink pen.

  The electronic pen 10 does not convert the locus of the ink drawn on the dedicated paper 20 by the pen tip unit 17, but converts the locus coordinates of the movement of the electronic pen 10 on the dedicated paper 20 into data. While the LED 15 illuminates the vicinity of the pen tip 17 on the dedicated paper 20, the camera 16 reads the dot pattern printed on the dedicated paper 20 and converts it into data. That is, the electronic pen 10 can acquire a stroke generated when the user moves the electronic pen 10 on the dedicated paper 20 as image data or vector data.

  The pressure sensor 18 detects the pressure applied to the pen tip portion 17 when the user writes characters on the dedicated paper with the electronic pen 10, that is, the writing pressure, and supplies the detected pressure to the processor 11. The processor 11 switches the LED 15 and the camera 16 on and off based on the writing pressure data given from the pressure sensor 18. That is, when the user writes characters or the like on the dedicated paper 20 with the electronic pen 10, writing pressure is applied to the pen tip portion 17. Therefore, when the writing pressure exceeding the predetermined value is detected, it is determined that the user has started the description, and the LED 15 and the camera 16 are operated.

  The camera 16 reads the dot pattern on the dedicated paper 20 and supplies the pattern data to the processor 11. The processor 11 calculates X / Y coordinates on the dedicated paper 20 from the supplied dot pattern.

  The processor 11 acquires the writing pressure array data and the X / Y coordinate data while the description of the user is performed, and stores them in the memory 12 in association with the time stamp (time information). Therefore, data corresponding to the description content of the user is stored in the memory 12 in time series. The capacity of the memory 12 can be about 1 Mbyte, for example.

  All the acquired data is held in the memory 12 until a transmission instruction is given by the user. When the user issues a transmission instruction, the data communication unit 13 transmits the data in the memory 12 to the terminal device 25 within a predetermined distance from the electronic pen 10. Basically, once a transmission instruction is given, the electronic pen 10 transmits all the data stored in the memory 12 to the terminal device 25, so that the memory 12 is cleared. Therefore, when it is desired to transmit the same information to the terminal device 25 again after transmission, the user needs to write the description on the dedicated paper 20 again. In this case, the user only has to trace characters written on the dedicated paper 20 with an ink pen.

  The electronic pen 10 itself does not include a function button such as a transmission button, and a transmission instruction and other instructions are performed by a user checking the dedicated box provided at a predetermined position on the dedicated paper 20 with the electronic pen 10. Executed. A transmission instruction is associated with the position coordinates of the dedicated box in advance. When the processor 11 receives the position coordinates of the dedicated box, the processor 11 supplies data in the memory 12 to the data communication unit 13 and transmits the data to the terminal device 25. To do. The electronic pen 10 can indicate completion of data transmission by vibration of the electronic pen.

  The battery 14 is for supplying power to each element in the electronic pen 10, and the electronic pen 10 itself can be turned on / off by a cap (not shown) of the electronic pen, for example.

  As described above, the electronic pen 10 has a function of acquiring coordinate data and writing pressure data corresponding to characters and the like described on the dedicated paper 20 by the user and transmitting them to the nearby terminal device 25. Since the pen tip portion 17 is a normal ink pen, the content described on the dedicated paper 20 remains as an original original. That is, at the same time as describing the original paper, its contents can be digitized in the form of coordinate data in real time.

  According to the standard function of the electronic pen 10, data obtained by the electronic pen 10 is in principle in the form of coordinate data or vector data, and is not text data. However, as a standard function, the electronic pen 10 has a function of converting text into alphanumeric characters by describing it in a dedicated area provided on the dedicated paper 20.

  Also, the electronic pen 10 can hold property information (pen information and pen owner information) regarding the pen itself and its owner, and can be referred to from an application. As the pen information, a battery level, a pen ID, a pen manufacturer number, a pen software version, a subscription provider ID, and the like can be held. The pen owner information can hold nationality, language, time zone, email address, free memory capacity, name, address, fax / phone number, mobile phone number, and the like.

  In the data communication unit 13 in the above example, the electronic pen 10 is connected to the terminal device 25 by various methods such as Bluetooth (registered trademark) wireless transmission, wired transmission using a USB cable, and data transmission by contact with a terminal. It is conceivable to perform data transmission.

  Next, a method for acquiring X / Y coordinate data of contents described by the user with the electronic pen will be described. As described above, a predetermined dot pattern is printed on the dedicated paper 20. The camera 16 of the electronic pen 10 does not read the locus of ink described on the dedicated paper 20 by the user, but reads the dot pattern on the dedicated paper 20. Actually, as shown in FIG. 1, the illumination area by the LED 15 and the shooting area of the camera 16 (located in the illumination area) are deviated from the position where the pen tip portion 17 contacts the dedicated paper 20.

  The dot pattern is printed with a special ink containing carbon, and the camera 16 can recognize only the pattern with the special ink. Even if ruled lines or frames are printed on dedicated paper with inks other than dedicated ink (not including carbon), the electronic pen does not recognize them. Therefore, when creating forms such as various application forms using dedicated paper, input frames, ruled lines, cautions, etc. are printed with ink other than dedicated ink.

  In the dot pattern, as illustrated in FIG. 3, the position of each dot is associated with data. In the example of FIG. 3, the 2-bit information of 0 to 3 is displayed by shifting the dot position vertically and horizontally from the reference position (intersection of vertical and horizontal lines) of the grid. The position coordinates on the dedicated paper are determined by the combination of information expressed in this way. As illustrated in FIG. 4A, 36 dots are arranged in a grid within a range of 2 mm in length and width, and the data array (FIG. 4B) indicated by these dots is displayed on the dedicated paper. Are associated with the position coordinates. Therefore, when the camera 16 of the electronic pen 10 captures a dot pattern as shown in FIG. 4A, the processor 11 changes the data array shown in FIG. 4B based on the dot pattern data input from the camera 16. The position coordinates on the dedicated paper (that is, where the dot pattern is located on the dedicated paper) corresponding to the acquired position are calculated in real time. The minimum unit for recognizing the dot pattern is 2 mm × 2 mm, and the camera 16 takes about 100 shots per second.

  Next, the dedicated paper will be described. An example of the structure of the dedicated paper is shown in FIG. As shown in the figure, the dedicated paper 20 has a dot pattern 32 printed on a mount 30 and a design 34 such as a ruled line printed thereon. The mount 30 is usually paper, and the dot pattern 32 is printed with dedicated ink containing carbon as described above. Further, the design 34 is printed with normal ink or the like. The dot pattern and the design may be printed at the same time, or one of them may be printed first.

  An example of the design 34 is shown in FIG. FIG. 6 shows an example of a certain application form 36 in which a plurality of entry fields 38 and a transmission box 39 are printed. Although it is not clearly shown in FIG. 6 and will be described in detail later, a dot pattern is actually printed on the entire surface of the application form 36, and an entry box 38 and a transmission box 39 are formed on the entire surface using ordinary ink. It is printed. The user can enter the necessary items in each entry field 38 of the application form 36 using the electronic pen 10 in the same manner as a conventional application form without being aware of the dot pattern.

  The area on the dedicated paper 20 can be roughly divided into two types. One is an entry area, in which the content described by the electronic pen 10 is handled as information as it is. In the example of FIG. 6, a plurality of entry fields 38 correspond to this. The other is a functional element, and when the corresponding area is checked with the electronic pen 10, actions, instructions, etc. defined in advance for the area are executed. The transmission box 39 in the example of FIG. 6 corresponds to this.

  The transmission box 39 is used when giving an instruction to transmit data stored in the electronic pen 10 to the nearby terminal device 25 as described above. When the user checks the transmission box 39 with the electronic pen 10, the electronic pen 10 reads the dot pattern in the transmission box. The pattern is associated with a transmission instruction, and the processor 11 in the electronic pen 10 issues a command to transmit data stored in the memory 12 to the data communication unit 13.

  The assignment of dot patterns is usually performed for each application (paper type). In other words, the dot patterns in a certain application form do not overlap in one sheet, but the same dot pattern is printed on the same application form. Therefore, when the user inputs necessary items with the electronic pen 10, it can be specified from the coordinate data on the application form which item of the application form the input item is for.

  As described above, by printing a predetermined design on the dedicated paper on which the dot pattern is printed, various application forms using the dedicated paper can be created. If the user uses the electronic pen 10 and fills in necessary items in a normal manner, the electronic data is automatically acquired.

  In the above example, the dot pattern is printed on the dedicated paper with carbon-containing ink. However, the dot pattern can be printed on ordinary paper using a printer and carbon-containing ink. Furthermore, the design on the dedicated paper can also be formed by a printer instead of printing. When dot patterns are formed on paper by a printer, different dot patterns can be formed on each sheet. Therefore, it is possible to identify and distinguish each of these sheets by the difference in the formed dot patterns.

  In the present specification, the term “printing” has a concept including not only normal printing but also printing by a printer.

  Next, transmission processing of data acquired by the electronic pen will be described with reference to FIG. The data acquired by the electronic pen 10 is mainly data of items input by the user, but usually does not include information on where the service server that is the transmission destination of the data is. Instead, information specifying the application or service related to the dedicated paper is included in the dot pattern on the dedicated paper, and the information is acquired from the dedicated paper during the user's input operation. Therefore, the terminal device 25 that has received the entry data from the electronic pen 10 first makes an inquiry to the inquiry server 26 to which service server 27 the data input to the dedicated paper should be transmitted. The inquiry server 26 has information on a corresponding service server for each dedicated paper, and in response to an inquiry from the terminal device 25, information (such as a URL) of the service server 27 that performs a service related to the dedicated paper. Reply to the terminal device 25. Then, the terminal device 25 transmits the entry data acquired from the electronic pen to the service server 27.

  In the above example, the terminal device 25, the inquiry server 26, and the service server 27 are separately configured. However, some or all of them may be configured as one device. In the present embodiment, it is assumed that a server described later also serves as the inquiry server 26 and the service server 27.

[Application processing system]
Next, the application processing system of the present invention will be described. FIG. 7 shows a schematic configuration of the application processing system 100. The application processing system 100 shown in FIG. 7 verifies the authenticity of the entered content based on the entry information entered by the user in the electronic pen form (hereinafter referred to as “application form”), and promptly applies the application process. Is something that can be done. In addition, in this embodiment, a user means the salesperson and purchaser which are mentioned later.

  As shown in FIG. 7, the application processing system 100 is configured by connecting the terminal device 25 and the server 5 through the network 2. Here, one suitable example of the network 2 is the Internet. The terminal device 25 is a terminal that can exchange data via the network 2 such as a PC (Personal Computer) or a mobile phone used by a store salesperson. The server 5 is connected to an entry information database (hereinafter referred to as “DB”) 7.

  First, the outline of the application process in this system will be described. The application form 3 is created as the above-mentioned dedicated paper, and is composed of a plurality of items as shown in FIG. Although not shown in the application form 3, it is assumed that the above-mentioned transmission box is also included as a component. In the present embodiment, a case will be described in which a purchaser of an expensive product applies for a loan at a store according to an instruction from a store salesperson. In addition, it is assumed that stroke data stored in an electronic pen 10 described later can be transmitted to the server 5 via the terminal device 25 without leaving the store sales staff.

  First, the salesperson at the store uses the electronic pen 10 to fill in the necessary information in the store entry column that occupies the right half of the application form 3 as shown in FIG. Then, the purchaser confirms the items entered by the salesperson and enters the necessary items in the applicant entry column occupying the left half of the application form 3. The electronic pen 10 acquires stroke data corresponding to the entered contents, temporarily stores it in the memory 12 in the electronic pen 10, and then transmits the stroke data to the terminal device 25. The terminal device 25 receives the stroke data from the electronic pen 10 and transmits it to the server 5 through the network 2. The server 5 acquires the stroke data as entry information indicating the contents entered by the salesperson and the purchaser on the application form 3.

  In addition, the salesperson of the store uses a CCD camera or the like to photograph the handwritten signature entered by the purchaser on the application form 3 using the electronic pen 10 and the seal stamped in the vicinity of the signature, and uses the terminal device as image information. 25 to the server 5 through the network 2. Therefore, the server 5 acquires image information including the purchaser's signature and seal image data.

  The server 5 detects an entry error of the salesperson or purchaser by referring to the coordinate table based on the acquired entry information. Although the details will be described later, the coordinate table stores the coordinate data of the dot pattern printed on the application form 3, the item contents, the entry method, etc. in association with the identification information of each item constituting the application form 3. Yes. Therefore, the server 5 can detect an entry error by referring to the contents of the coordinate table and the entry method based on the entry information. When an entry error is detected, the server 5 sends an email or the like via the network 2 and presents the terminal device 25 that there is an entry error and detailed information on the entry error. As described above, in the present invention, the server 5 can automatically detect an entry error. In addition, since the salesperson can easily obtain information regarding the entry error, the entry error can be corrected quickly.

  The server 5 extracts the entry start time and entry end time for each item from the acquired entry information, and calculates the entry time for each item. If the entry start time in the applicant entry column is earlier than the entry start time in the store entry column after grasping the entry order of the items constituting the application form 3, the server 5 Detect that is likely to be fraudulent. This is because when a loan or installment sale is made, the salesperson first fills in the “Product name” and “Amount” in the store entry field on the application form 3 and the buyer confirms the contents before filling in the applicant entry field. This is because there is a rule to fill in. Contrary to this rule, if the entry start time in the applicant entry field is earlier than the entry start time in the store entry field, it is assumed that the "product name" and "amount" of the application form have been tampered with by the salesperson The buyer cannot confirm. Therefore, there is a high possibility that the store salesperson is cheating. As described above, in the present invention, the server 5 can detect an illegal rule violation by a store salesperson based on the entry information when the operational rules are not thoroughly implemented.

  Further, the server 5 detects that there is a high possibility that the purchaser is fraudulent when the time for filling in the items requiring attention is unnaturally short. Here, the items requiring attention are items such as “annual income”, “working company scale”, and “working industry”, which are items that are always heard in loan applications, but need time before writing unexpectedly. There is an empirical rule that buyers are often accustomed to writing fraudulently similar documents, ie loan application forms, when filling in such sensitive items is unnaturally smooth. Therefore, if the entry time for the item requiring attention is shorter than the shortest entry time set in advance in the coordinate table, the purchaser is likely to be addicted to fraud and fraudulent acts. In this way, in the present invention, the server 5 can detect the possibility of fraud that is not known if the purchaser does not face when filling in based on the entry information.

  Further, the server 5 extracts signature entry data relating to the purchaser's autograph from the entry information. Further, the server 5 extracts signature image data relating to the purchaser's handwritten signature from the image information. Then, the server 5 collates the signature rectangle included in the signature entry data with the signature image included in the signature image data, and determines whether or not they are the same. It should be noted that if the signature rectangle, the image, and the upper, lower, left and right scales are unified and are very similar, it is determined that they are the same. If it is determined that the signatures are the same, the server 5 extracts seal image data relating to the seal stamp stamped from the image information, and authenticates the seal stamp and the signature as genuine. This is because if the signature included in the entry information is the same as the signature included in the image information, it is difficult to consider forgery that the seal is stamped on paper other than the application form 3. As described above, according to the present invention, it is possible to authenticate the seal and the signature before the person who performs the credit work obtains the original application form 3, and it is possible to capture the data including the image of the seal. Become.

  Then, the server 5 performs a credit operation based on the fraud detection result of the salesperson and the purchaser of the store and the authentication result of the seal stamp and the signature, and makes a credit judgment. Further, the server 5 transmits the result of the credit judgment to the terminal device 25 by mail or the like via the network 2.

  As described above, according to the present invention, by using the electronic pen 10 and the application form 3 created as a dedicated paper, a credit request can be easily and quickly made to the server 5 without leaving the salesperson. It can be carried out. That is, the application process can be performed easily and quickly. Further, since the application form 3 is not scanned by copying or faxing, the image quality does not deteriorate. Further, since the electronic pen 10 transmits the entry information to the server 5, it is possible to reduce human error such as erroneous transmission of a fax due to erroneous input of a number, and the server 5 side sorts the application form for paper media. There is no need to do any work. Therefore, the load of credit work can be reduced.

  In addition, according to the present invention, the authenticity of the entry information is verified by performing fraud detection of a store salesperson and a purchaser of the store, authentication of a seal and a signature, and a credit decision is appropriately made in consideration of the verification result. be able to. When the possibility of fraud is taken into consideration, it is possible to make a judgment from a different viewpoint than usual, and therefore, an appropriate credit judgment can be made.

[application]
Next, the application form 3 will be described. In the system of the present invention, the application form 3 as shown in FIG. 8 is created as the dedicated paper described above. That is, as illustrated in FIG. 5, a predetermined dot pattern 32 is printed on the mount 30, and a predetermined page number, ruled line, and the like are printed thereon. As described above, the dot pattern 32 is printed with ink containing carbon so that the electronic pen 10 can recognize it. On the other hand, the design 34 such as a page number or ruled line is printed with normal (not including carbon) ink, and thus the electronic pen 10 does not recognize it.

  FIG. 8 is an example of the application form 3. As shown in the figure, the application form 3 is composed of a plurality of items, and each item is set with an item ID which is information for identifying each item. Specifically, the item ID of the name item is “A1”, and the item ID of the gender item is “A2”. Further, as shown in the drawing, the application form 3 is an applicant entry field in which the left half is entered by the purchaser, and a store entry field in which the right half is entered by the salesperson. It is assumed that the purchaser enters the handwritten signature and seals the signature item indicated by the item ID “A20” in the applicant entry column. Further, the two-dimensional code 70 is printed in the vicinity of the signature item, and details will be described in the second modification.

[server]
Next, the server 5 will be described in detail. FIG. 9 shows an internal configuration of the server 5 in the application processing system 100 in particular. As illustrated, the server 5 includes an application processing program 500, an entry information acquisition function 501, an image information acquisition function 502, an entry error detection function 503, a coordinate table 504, a time information extraction function 505, a signature data verification function 506, a two-dimensional code. An ID specifying function 507, a purchaser fraud detection function 508, a store fraud detection function 509, a credit judgment function 510, a mail transmission function 511, and a storage function 512 are included. Each function is realized by the CPU included in the server 5 executing a program prepared in advance. Further, the two-dimensional code ID specifying function 507 will be described in a second modification.

  The application processing program 500 refers to the coordinate table 504 on the basis of the entry information acquired from the electronic pen 10, thereby verifying the authenticity of the entry contents and performing an accurate credit judgment based on the verification result. It is a program that speeds up application processing.

  The entry information acquisition function 501 is a function for acquiring entry information entered in the application form 3 by the salesperson and the purchaser using the electronic pen 10 by executing the application processing program 500.

  The image information acquisition function 502 is a function of acquiring the seal stamp and signature image information on the application form 3 photographed by the salesperson from the terminal device 25 by executing the application processing program 500.

  The entry error detection function 503 is a function for detecting an entry error of a salesperson or a purchaser by referring to the coordinate table 504 based on the entry information acquired by the entry information acquisition function 501. Here, the coordinate table 504 will be described. As shown in FIG. 10, the coordinate table 504 stores coordinate data, item contents, entry methods, and items requiring attention using item IDs as keys. The item ID is identification information of items constituting the application form 3. The coordinate data is information indicating the position coordinates on the dot pattern in the application form 3 of the item corresponding to the item ID. The item content is information indicating the content of the item corresponding to the item ID. The entry method is information indicating the entry method for the item corresponding to the item ID, and specifically includes “character input”, “numerical value input”, “radio button selection”, and the like. “Character input” is a method of entering characters directly into an item, “Numerical input” is a method of directly inputting a numerical value into an item, and “Select radio button” is to check a radio button of an option previously described in the item Is the method. The item requiring attention is an item that usually requires a certain entry time, as described above. In the present embodiment, “hyphen (−)” is set for items other than the items requiring attention, and “maru (◯)” and “shortest entry time (for example, 3 seconds)” are set for the items requiring attention.

  The entry error detection function 503 first extracts the stroke data entered in each item by referring to the coordinate data in the coordinate table 504 based on the entry information. The entry error detection function 503 detects entry errors by referring to the item contents and the entry method in the coordinate table 504 based on the stroke data entered in each item. Specifically, the entry error detection function 503 can determine that only a check mark is input in the item content “name” item, or that the radio button is correctly selected as the entry method in the item content “gender” item. Nevertheless, when it can be determined that a character string is input from the stroke data, the stroke data is detected as an entry error.

  The time information extraction function 505 is a function for extracting the entry start time and entry end time for each item as time information by referring to the coordinate table 504 from the entry information, and calculating the entry time for each item. The entry time for each item can be calculated from the difference between the entry end time and the entry start time.

  The signature data verification function 506 first extracts stroke data of the signature of the purchaser as signature entry data by referring to the coordinate table 504 from the entry information. Further, the signature data verification function 506 extracts signature image data as signature image data from the image information acquired by the image information acquisition function. The signature data verification function 506 matches the two signatures by matching the extracted stroke data of the signature with the vertical and horizontal scales of the image data. If the two signatures match or are very similar, the signature data verification function 506 authenticates the seal stamp and the signature entered on the application form 3 as authentic, and officially displays the seal image data included in the image information. Capture as seal stamp image data. The image data of the seal stamp may be stored in the entry information DB 7 described later.

  The purchaser's fraud detection function 508 first requires attention items in the coordinate table 504 based on the entry time to the attention item calculated from the entry start time and entry end time extracted by the time information extraction function 505. The fraud of the purchaser is detected by referring to. Specifically, the purchaser fraud detection function 508 indicates that there is a possibility of fraud by the purchaser when the entry time for the caution item is shorter than the shortest entry time set for the corresponding caution item in the coordinate table 504. Detect as high.

  The store fraud detection function 509 specifies the order of filling in the application form 3 based on the entry start time and entry end time for each item extracted by the time information extraction function 505, and the entry in the applicant entry column is If it is done before entry in the entry field, it is detected that the store salesperson has a high possibility of fraud.

  The credit judgment function 510 considers the verification result of the signature data verification function 506, that is, the authentication result of the seal stamp and signature, and the detection results of the purchaser fraud detection function 508 and the store fraud detection function 509, and This is a function for judging the purchaser's credit based on the entered contents.

  The e-mail transmission function 511 is a function for transmitting an e-mail to the terminal device 25 of the e-mail and the detailed information of the e-mail when the entry error detection function 503 detects an entry error. The mail transmission function 511 is a function for transmitting the result of credit judgment to the terminal device 25 by mail. Note that the present invention is not limited to this, and the server 5 may directly display the detailed information of the entry error and the result of the credit determination on the screen of the terminal device 25 without transmitting the mail.

  The storage function 512 is a function for storing the entry information acquired by the entry information acquisition function 501 in the entry information DB 7. Here, the entry information DB 7 will be described. As shown in FIG. 11, the entry information DB 7 is composed of items of application form ID, two-dimensional code ID, item ID, item content, time information, entry method, and fraud possibility. The application form ID is information for identifying the application form 3 entered by the salesperson and the purchaser using the electronic pen 10. The two-dimensional code ID will be described in a second modification described later. The item ID is information for identifying items constituting the application form 3. In the time information, the entry start time is stored for items other than the items requiring attention, and the entry start time and entry time are stored for the items requiring attention. As the entry method, “no problem” or “problem” is stored based on the result detected by the entry error detection function 503. The possibility of fraud is stored as “present” when the collation result of the signature data collation function 506 does not match or when the purchaser fraud detection function 508 and the store fraud detection function 509 detect fraud. In other words, “none” is stored when the collation result of the signature data collation function 506 matches, or when the purchaser fraud detection function 508 and the store fraud detection function 509 detect no fraud. In this way, by storing “Yes” or “None” of the possibility of fraud, the person who makes the credit judgment makes an appropriate credit judgment in consideration of the authentication result of the seal and the signature and the fraud detection result. be able to.

[Application process]
Next, application processing executed by the application processing system 100 will be described. FIG. 12 is a flowchart of the application process. The store salesperson and the purchaser use the electronic pen 10 to fill in the necessary items on the application form 3. Then, by filling a check mark in the transmission box on the application form 3, the entry information is transmitted to the server 5 via the terminal device 25 (step S1). Further, the salesperson photographs the seal stamp and the written signature on the application form 3 with a CCD camera or the like, and transmits the image information to the server 5 via the terminal device 25 (step S1).

  The server 5 receives entry information and image information from the terminal device 25 (step S2). Then, the server 5 refers to the coordinate table 504 based on the entry information, thereby detecting an entry error of the salesperson or purchaser (step S3). If there is an entry mistake (step S4; Yes), the server 5 transmits a warning mail describing the entry mistake and detailed information on the entry mistake to the terminal device 25 (step S5). The salesperson who has read the warning mail received by the terminal device 25 urges the purchaser to make an appropriate correction, and corrects the entry on the application form 3 if he / she makes an incorrect entry. The corrected entry information is transmitted again to the server 5 via the terminal device 25 (steps S6 and S7). The server 5 receives the corrected entry information from the terminal device 25 (step S8).

  When the corrected entry information is received, or when it is determined that there is no entry error in the determination in step S4, the server 5 refers to the coordinate table 504 to determine the entry start time and the entry start time for each item from the entry information. Time information such as the entry end time is extracted, and the entry time for each item is calculated (step S10). Furthermore, the server 5 compares the signature image data of the signature included in the image information with the signature entry data included in the entry information, and collates them. As a result of the collation, if it is determined that they match or are very similar, the server 5 authenticates that the seal stamp and the written signature on the application form 3 are authentic (step S11).

  Next, the server 5 refers to the caution item in the coordinate table 504 based on the entry time to the caution item calculated from the time information extracted from the entry information. If the entry time for the item requiring attention is shorter than the shortest entry time set in the coordinate table 504, the server 5 detects the purchaser's fraud as being fraudulent by the purchaser (step S12). Moreover, the server 5 specifies the order of entry of the application form 3 based on the time information extracted from the entry information. If the entry in the applicant entry field is earlier than the entry in the store entry field, the server 5 detects the fraud of the store as being fraudulent by the store salesperson (step S13). Then, the server 5 stores the collation results, that is, the seal and signature authentication results and fraud detection results, and the entry information in the entry information DB 7 (step S14).

  Further, the server 5 makes a credit decision based on the contents entered in the application form 3 in consideration of the collation result, that is, the seal and signature authentication result and the fraud detection result (step S15). And the server 5 transmits the result of credit determination to the terminal device 25 as a result mail (step S16). The terminal device 25 receives the credit determination result mail from the server 5 (step S17), and the store salesperson determines whether to accept the purchaser's loan application based on the credit determination result. That is, if there is no problem in the credit judgment result, the salesperson accepts the purchaser's loan application. This completes the application process.

  Thus, according to the present invention, the server 5 can automatically detect an entry error. Furthermore, since the salesperson can easily acquire information regarding the entry error, the entry error can be corrected quickly. In addition, the server 5 can detect the possibility of fraud of the salesperson. Furthermore, it is possible for the server 5 to detect the possibility of fraud that is not known if the purchaser does not face when the entry is made based on the entry information.

  Further, according to the present invention, it is possible to authenticate the seal and the signature before the person who performs the credit work acquires the original application form 3, and it is possible to take in data including the image of the seal. . Furthermore, by using the electronic pen 10 and the application form 3 created as a dedicated paper, it is possible to easily and quickly make an application request, that is, a credit request to the server 5 without leaving the salesperson. . Further, since the application form 3 is not scanned by copying or faxing, the image quality does not deteriorate. Further, since the electronic pen 10 transmits the entry information to the server 5, it is possible to reduce human error such as erroneous transmission of a fax due to erroneous input of a number, and the server 5 side sorts the application form for paper media. There is no need to do any work. Therefore, the load of credit work can be reduced.

  Further, according to the present invention, the authenticity of the entered information is verified by performing fraud detection of the salesperson and the purchaser of the store and the authentication of the seal and the signature, and the credit judgment is appropriately made in consideration of the verification result. And quick application processing.

  Although the present embodiment describes the application process in the loan application, the present invention is not limited to this, and is applied to installment sales and credit card applications performed by users such as salespersons and purchasers. It is also possible to do.

[First modification]
In the above embodiment, the server 5 collates the signature entry data included in the entry information with the signature image data included in the image information, and the seal stamp and signature stamped on the application form 3 based on whether or not they match. It is supposed to authenticate that it is genuine. However, the present invention is not limited to this. In addition to the result of checking whether the rectangle of the signature entry data matches the image of the signature image data, the signature entry time on the application form 3 and the application Based on the seal on the document 3 and the photographing time of the signature, it may be verified that the seal stamped on the application form 3 and the written signature are authentic. Specifically, even if the collation results match, the server 5 forges the seal or signature by the seller or purchaser or the application form 3 if there is an unnatural time difference between the entry time and the shooting time. It can be determined that tampering may have occurred.

  Further, if the terminal device 25 is a mobile phone or the like equipped with GPS (Global Positioning System), when transmitting the stroke data stored in the electronic pen 10 to the server 5 via the terminal device 25, the terminal device 25 The 25 pieces of position information can be sent together as entry information. Here, GPS is a system that knows the position (longitude / latitude) of the receiver on the earth by receiving radio waves transmitted by geodetic satellites. As described above, if the location information is included in the entry information, the server 5 compares the signature entry data and the signature image data, the signature entry time on the application form 3, the seal stamp and the signature photographing time, In addition, based on the position information of the terminal device 25, it is possible to authenticate that the seal stamp and signature stamped on the application form 3 are authentic. Specifically, the server 5 sells when the position of the terminal device 25 included in the position information is unnatural even when the matching results match and there is no unnatural point between the entry time and the shooting time. It can be determined that there is a possibility that the stamp or signature is counterfeited or the application form 3 is falsified by the person or purchaser.

[Second modification]
Although not specifically mentioned in the above embodiment, a two-dimensional code 70 can be printed on the application form 3 as shown in FIG. The two-dimensional code is a code having information in the horizontal and vertical directions, that is, in the two-dimensional direction, and examples thereof include a QR (Quick Response) (registered trademark) code. In the present invention, such a two-dimensional code is printed so as to be close to the signature item as shown in the figure, and when the salesperson photographs the seal and signature on the application form 3 with a CCD camera, the two-dimensional code is printed. It can be set on condition that the code is taken in a recognizable state. In other words, in order to improve the photographing accuracy by the CCD camera, a two-dimensional code is printed near the signature item on the application form 3 and the photographing in a state where the two-dimensional code is recognizable is promoted to some extent. A photograph is taken at an angle and an area, and subsequent image processing by the server 5 can be assisted. That is, the two-dimensional code can be used as a reference for photographing.

  It is also possible to include the identification information and serial number of the application form 3 as information in the two-dimensional code. In this case, the server 5 analyzes the two-dimensional code included in the image information acquired from the terminal device 25 by the two-dimensional code ID specifying function 507 as shown in FIG. Extracted as a dimension code ID. Then, the server 5 applies the application form based on the two-dimensional code ID in addition to the collation result of the signature entry data and signature image data, the signature entry time on the application form 3, and the seal stamp and signature shooting time. 3. Authenticate that the seal stamp and signature stamped on 3 are authentic. The two-dimensional code ID can be stored in the entry information DB 7 as shown in FIG.

  The CCD camera used for the salesperson to photograph the seal and signature on the application form 3 is preferably a dedicated device. In this way, a two-dimensional code is printed on the application form 3 and a reference for photographing is obtained. By doing so, it becomes possible to shoot with a camera-equipped mobile phone or the like, and the cost of installing a dedicated device can be reduced. If the camera-equipped mobile phone is equipped with a GPS, the location information of the shooting location can be included in the entry information, so that the seal stamp and signature can be more accurately authenticated.

[Third Modification]
In the above embodiment, the entry error is detected by the server 5 that has acquired entry information by referring to the coordinate table 504, and a warning mail is transmitted to the terminal device 25 when an entry error is detected. However, the present invention is not limited to this, and by installing a PLS (Paper Look-up Service) function, a data processing program, and a coordinate table in the terminal device 25, before the entry information is transmitted to the server 5. The terminal device 25 can perform screening such as basic error check and entry error detection based on the stroke data captured by the electronic pen. Therefore, the post-screening entry information can be transmitted to the server 5. The PLS function is a recognition system for determining users and related services such as salespersons and purchasers from entry information and transmitting them to the corresponding services.

  According to this, for example, when the terminal device 25 is a mobile phone, after the salesperson and the purchaser complete the entry on the application form 3, screening can be performed on the mobile phone carried by the salesperson. Therefore, it is possible to promptly respond to corrections such as entry errors. In addition, the processing load on the server 5 can be reduced.

  With this application processing system, it is possible to verify the authenticity of the entered content based on the information entered by the user in the electronic pen form, and to perform the processing quickly.

It is a figure which shows the usage pattern of an electronic pen typically. It is a functional block diagram which shows the structure of an electronic pen. It is a figure explaining the expression method of the information by the dot pattern printed on the exclusive paper. It is an example of a dot pattern and the information corresponding to it. The structure of a form composed of dedicated paper is shown. An example of an electronic pen form is shown. It is a figure which shows schematic structure of the application processing system in this invention. An example of an application form is shown. FIG. 8 is a functional block diagram of a server included in the application processing system shown in FIG. 7. It is a figure which shows typically the data structure of a coordinate table. It is a figure which shows typically the data structure of entry information DB. It is a flowchart of the application process in this embodiment.

Explanation of symbols

2 ... Network 3 ... Application Form 5 ... Server 7 ... Information DB
DESCRIPTION OF SYMBOLS 10 ... Electronic pen 11 ... Processor 12 ... Memory 13 ... Data communication unit 14 ... Battery 25 ... Terminal device 26 ... Inquiry server 27 ... Service server 100 ... Application processing system

Claims (16)

A server that performs processing using an electronic pen form on which a dot pattern that can be recognized by an electronic pen is printed,
Coordinate information holding means for holding coordinate information in which the content of the item and the position coordinates on the dot pattern are stored in association with item identification information for identifying an item constituting the electronic pen form,
Entry information acquisition means for acquiring entry information entered in the electronic pen form;
By referring to the coordinate information based on the entry information, item identification information specifying means for specifying item identification information of an item in which data is entered;
An entry error detecting means for detecting an entry error based on the content of the item corresponding to the item identification information specified by the item identification information specifying means and the entry information;
A server comprising: an entry error presenting means for presenting information related to an entry error when the entry error detecting means detects an entry error. Time extraction means for extracting the entry start time and entry end time for each item constituting the electronic pen form from the entry information;
2. The server according to claim 1, further comprising: first fraud detection means for detecting fraud based on an entry start time for each item extracted by the time extraction means. In the coordinate information, it is set whether or not the item corresponding to the item identification information is an item requiring attention,
An entry time calculating means for calculating an entry time from an entry start time and an entry end time for the item requiring attention extracted by the time extracting means;
The server according to claim 2, further comprising second fraud detection means for detecting fraud based on the entry time for the caution item calculated by the entry time calculation means. The electronic pen form is filled with a signature of a handwritten by a user using the electronic pen, and a seal is stamped,
Image information acquisition means for acquiring image information of the signature and seal;
Signature image data extraction means for extracting signature image data relating to the signature from the image information;
Signature entry data extraction means for extracting signature entry data relating to the signature from the entry information;
A determination means for determining whether or not each signature is the same by comparing the signature image data and the signature entry data;
The server according to claim 1, further comprising: an authentication unit that authenticates whether the seal and the signature are authentic based on a determination result of the determination unit. . The server is communicably connected to a terminal device via a network,
The entry information acquisition means acquires the entry information from the terminal device,
The entry information includes position information regarding the position of the terminal device,
Position information extracting means for extracting the position information from the entry information;
Signature time extraction means for extracting the time when the signature was entered in the electronic pen form from the entry information;
A photographing time extracting means for extracting a time at which the image of the seal stamp and signature is photographed from the image information,
The authentication unit authenticates whether the seal and the signature are authentic based on a determination result of the determination unit, the position information, the signature time, and the photographing time. The listed server. The electronic pen form is printed with a two-dimensional code,
6. The server according to claim 4, wherein the image information is information obtained by photographing the seal stamp and signature in a state where the two-dimensional code can be recognized. The two-dimensional code includes information corresponding to form identification information for identifying an electronic pen form,
The server
Analyzing the two-dimensional code image data related to the two-dimensional code included in the image information, further comprising a form identification information specifying means for specifying the form identification information;
The authentication means authenticates the seal and signature based on the form identification information specified by the form identification information specifying means, the determination result of the determination means, the position information, the signature time, and the photographing time. The server according to claim 6. We use electronic pen forms printed with a dot pattern that can be recognized by electronic pens.
A terminal device communicably connected to a server for processing entry information entered in the electronic pen form via a network,
Coordinate information holding means for holding coordinate information in which the content of the item and the position coordinates on the dot pattern are stored in association with item identification information for identifying an item constituting the electronic pen form,
Entry information acquisition means for acquiring entry information entered in the electronic pen form;
By referring to the coordinate information based on the entry information, item identification information specifying means for specifying item identification information of an item in which data is entered;
An entry error detecting means for detecting an entry error based on the content of the item corresponding to the item identification information specified by the item identification information specifying means and the entry information;
A terminal device comprising: an entry error presenting means for presenting information related to an entry error when the entry error detecting means detects an entry error. A program executed by a computer that performs processing using an electronic pen form on which a dot pattern recognizable by an electronic pen is printed,
Coordinate information holding means for holding coordinate information in which the contents of the items and the position coordinates on the dot pattern are stored in association with item identification information for identifying the items constituting the electronic pen form,
Entry information acquisition means for acquiring entry information entered in the electronic pen form;
Item identification information specifying means for specifying item identification information of an item in which data is entered by referring to the coordinate information based on the entry information;
An entry error detecting means for detecting an entry error based on the content of the item corresponding to the item identification information specified by the item identification information specifying means and the entry information;
A program for causing the computer to function as an entry error presenting means for presenting information related to an entry error when the entry error detecting means detects an entry error. Time extraction means for extracting the entry start time and entry end time for each item constituting the electronic pen form from the entry information;
10. The program according to claim 9, further causing the computer to function as first fraud detection means for detecting fraud on the basis of entry start time for each item extracted by the time extraction means. In the coordinate information, it is set whether or not the item corresponding to the item identification information is an item requiring attention,
Entry time calculation means for calculating entry time from entry start time and entry end time to the items requiring attention extracted by the time extraction means;
11. The program according to claim 10, further causing the computer to function as second fraud detection means for detecting fraud on the basis of the entry time for the caution item calculated by the entry time calculation means. The electronic pen form is filled with a signature of a handwritten by a user using the electronic pen, and a seal is stamped,
Image information acquisition means for acquiring image information of the seal and signature;
Signature image data extraction means for extracting signature image data relating to the signature from the image information;
Signature entry data extraction means for extracting signature entry data relating to the signature from the entry information;
Determining means for determining whether or not each signature is the same by comparing the signature image data and the signature entry data;
12. The computer according to claim 9, further comprising an authentication unit configured to authenticate whether or not the seal and the signature are authentic based on a determination result of the determination unit. 13. The program described. The computer is communicably connected to a terminal device via a network,
The entry information acquisition means acquires the entry information from the terminal device,
The entry information includes position information regarding the position of the terminal device,
Position information extraction means for extracting the position information from the entry information;
Signature time extraction means for extracting the time when the signature was entered in the electronic pen form from the entry information,
From the image information, the computer further functions as a photographing time extracting means for extracting the time when the seal stamp and the signature image were photographed,
The authentication unit authenticates whether the seal and the signature are genuine based on a determination result of the determination unit, the position information, the signature time, and the photographing time. The program described. The electronic pen form is printed with a two-dimensional code,
The program according to claim 12 or 13, wherein the image information is information obtained by photographing the seal stamp and signature in a state where the two-dimensional code can be recognized. The two-dimensional code includes information corresponding to form identification information for identifying an electronic pen form,
The program is
By analyzing the two-dimensional code image data related to the two-dimensional code included in the image information, the computer is further functioned as a form identification information specifying unit for specifying the form identification information,
The authentication means authenticates the seal and signature based on the form identification information specified by the form identification information specifying means, the determination result of the determination means, the position information, the signature time, and the photographing time. The program according to claim 14. We use electronic pen forms printed with a dot pattern that can be recognized by electronic pens.
A program executed by a computer that is communicably connected to a server that processes entry information entered in the electronic pen form via a network,
Coordinate information holding means for holding coordinate information in which the contents of the items and the position coordinates on the dot pattern are stored in association with item identification information for identifying the items constituting the electronic pen form,
Entry information acquisition means for acquiring entry information entered in the electronic pen form;
Item identification information specifying means for specifying item identification information of an item in which data is entered by referring to the coordinate information based on the entry information;
An entry error detecting means for detecting an entry error based on the content of the item corresponding to the item identification information specified by the item identification information specifying means and the entry information;
A program for causing the computer to function as an entry error presenting means for presenting information related to an entry error when the entry error detecting means detects an entry error.

Images