JP2017059128A - "payment by watching" server, and method and program for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for "payment by watching", in which a person can transfer money to another person he/she is watching by operating the Internet.SOLUTION: A payer images a payee by watching the payee and transmits the face image to a server of the payer's financial institution. The server of the payer's financial institution verifies the registration of the payee's face image and after completion of verification, requests the payee to confirm whether the payee's account information can be transmitted to the payer. Upon the payee's confirmation, a server of the payee's financial institution transmits the payee's account information to the payer's terminal. The payee images the payer by watching the payer, transmits the face image to the server of the payee's financial institution for verification of the payer's face image and when the verification is completed, claim information (a request for remittance) including the payee's account information is transmitted to the payer's terminal.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a payment system using Internet banking, a payment method, and the like.

  In recent years, when paying money to a partner, transfer using Internet banking has been widely performed. Since the transfer destination information such as the financial institution name, branch name, and account number of the transfer destination is necessary for the transfer, the transfer cannot be made unless the transfer destination information is known. However, the exchange of transfer information is troublesome, and it is particularly noticeable that the account number or the like is directly obtained from the other party. In addition, there are few cases where the other party has stored the account number or the like, and in many cases, the person who has the account number such as a cash card or a passbook is not stored.

  Therefore, the payment method by transfer is not suitable for face-to-face settlement even if it is used for non-face-to-face settlement such as payment for online shopping. For face-to-face payments, card-type media such as debit cards, credit cards, and electronic money cards are mostly used. Techniques for improving convenience and preventing unauthorized transactions are disclosed in, for example, Patent Documents 1 and 2. As described above, although many are disclosed, in the face-to-face settlement, there is no technology related to the transfer using the net.

JP 2002-63370 A JP 2007-095020 A

  Therefore, in view of the above problems, an object of the present invention is to provide a new mechanism capable of performing remittance by a transfer operation from Internet banking in face-to-face settlement.

In order to solve the above problems, the present invention provides the following solution.
(1) In the first aspect of the present invention, there is provided an internet banking server of a financial institution that can be connected to a sender terminal possessed by a sender and a recipient terminal of a recipient who receives money from the sender. The face image receiving means for receiving the face image of the recipient from the sender terminal provided with the imaging means, and the received face image is compared with a face authentication information database in which face authentication information is registered. Face authentication means for performing face authentication of the payee, and confirmation of whether or not the payee can send account information to the payer terminal when the face authentication is established. Means for transmitting a notification to the payee terminal, and the payee receiving the account information transmission permission confirmation notice permits the account information of the payee to be sent to the remittance terminal in response to permitting the transmission of their account information. Send to And the step, characterized in that it comprises a transfer receiving means for receiving payment orders from the remitter terminal receiving the account information of the recipient.

(2) Further, in the second aspect of the present invention, the sender side and the recipient side connectable to the sender terminal possessed by the sender and the recipient terminal of the recipient who receives the money from the sender. An internet banking server of a financial institution in which the internet banking server of the financial institution on the recipient side receives the face image of the sender from the recipient terminal having an imaging means And face authentication means for performing face authentication of the sender by comparing the received face image with a face authentication information database in which face authentication information is registered, and when the face authentication is established, the recipient's account Means for transmitting information to the sender's terminal, and the internet banking server of the sender's financial institution accepts a remittance instruction from the sender's terminal that has received the recipient's account information. Characterized in that it comprises transfer and reception means.

(3) In the Internet banking server of (2), the imaging means is provided in both the sender terminal and the receiver terminal, and the Internet banking server on the sender side and the receiver side. Each face authentication means may be configured to mutually authenticate the face image of the sender and the face image of the recipient.

(4) In the Internet banking server of (1), in face-to-face sales at a store, the face authentication means is configured so that the face image of the recipient is the face image of a store clerk. Also good.

(5) The Internet banking server according to (4) further includes object image authentication means for authenticating an image of an object unique to the store instead of the face image of the store clerk in the face-to-face sales at the store. You may comprise as follows.

(6) In the Internet banking server of (1), the recipient terminal may be a vending machine, and account information of a vendor of the vending machine may be configured as the account information of the recipient. Good.

(7) Moreover, in the Internet banking server according to any one of (1) to (6), the imaging unit is a smartphone or a tablet terminal possessed by the remittance person or the recipient, or the remittance person or the receipt. It may be configured as a smart glass worn by a person.

(8) In the third aspect of the present invention, settlement at an internet banking server of a financial institution that can be connected to a sender terminal possessed by the sender and a recipient terminal of the recipient who receives the remittance from the sender. The Internet banking server includes a step of receiving the face image of the recipient from the sender terminal provided with an imaging means, and the received face image is a face registered with face authentication information. Verifying the recipient's face against an authentication information database, and confirming with the recipient whether or not to send the recipient's account information to the sender terminal when the face authentication is established Transmitting the account information transmission availability confirmation notification to the recipient terminal, and receiving the account information transmission availability confirmation notification that the recipient has permitted transmission of his / her account information. And Flip, and executes the step of transmitting the account information of the recipient to the remitter terminal, and a step of receiving transfer instruction from the remitter terminal receiving the account information of the recipient.

(9) According to the fourth aspect of the present invention, an internet banking server of a financial institution that can be connected to a sender terminal possessed by a sender and a recipient terminal of a recipient who receives money from the sender. And receiving the face image of the recipient from the remittance terminal provided with an imaging means, and comparing the received face image with a face authentication information database in which face authentication information is registered. A step of performing face authentication of the payee, and an account information transmission availability confirmation notification for allowing the payee to check whether or not to send the payee's account information to the sender terminal when the face authentication is established. The account information of the recipient in response to the fact that the recipient who has received the notification confirming whether or not to send the account information has permitted the transmission of his / her account information. Sending gold human terminal, characterized in that to execute a step of accepting a transfer instruction to the computer from the remitter terminal receiving the account information of the recipient.

  ADVANTAGE OF THE INVENTION According to this invention, the new mechanism which can perform remittance by transfer operation from internet banking in face-to-face settlement can be provided.

It is a figure which shows the basic concept (service image) of "settlement settlement" concerning the 1st Embodiment of this invention. It is a figure which shows an example of the utilization scene of the "settlement settlement" which concerns on the 1st Embodiment of this invention. It is a figure which shows the function structure of the "settlement settlement" system which concerns on the 1st Embodiment of this invention. It is a figure which shows the structural example of the data stored in the face authentication information database (DB) which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the account information transmission availability confirmation screen which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the recipient confirmation screen which concerns on the 1st Embodiment of this invention. It is a figure which shows the payment processing flow which concerns on the 1st Embodiment of this invention. It is a figure which shows the basic concept (service image) of "settlement settlement" concerning the 2nd Embodiment of this invention. It is a figure which shows the function structure of the "settlement settlement" system which concerns on the 2nd Embodiment of this invention. It is a figure which shows an example of the claim information confirmation screen which concerns on the 2nd Embodiment of this invention. It is a figure which shows the payment processing flow which concerns on the 2nd Embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction.

<First Embodiment>
(Basic concept)
FIG. 1 is a diagram showing a basic concept (service image) of “settlement settlement” according to the first embodiment of the present invention. “Starring payment” is a service for authenticating a partner as a remittance destination or a recipient from a face image acquired by staring at the other party's face and completing the settlement on the spot.

  The user (sender) of this service pre-registers the face authentication information of the recipient (recipient) at the time of opening an account or changing the account at a financial institution such as a bank. The face authentication information is obtained by registering a face image of a partner taken with a smartphone or a smart glass camera in the database as authentication information for face authentication. The face image taken here may include not only the face but also body poses and gestures. The face image to be registered is stored as face authentication information in the financial institution system in association with the recipient's account information.

  When actually sending money, the sender first logs in to the internet banking (often referred to as “OO Direct”) of the financial institution that owns the account. Login may be performed from a normal smartphone or tablet terminal, but is smarter when performed from a smart glass. Smart glasses are wearable devices equipped with a small camera and a small display.

  When the login is completed, the remittance stares at the partner (recipient) who is facing and transmits the face image taken with the camera of the smartphone or smart glass to the server of the financial institution. The server of the financial institution searches (verifies) the face authentication information registered as the receiver from the received face image on the database, and acquires the account information of the receiver corresponding to the face authentication information. Even if the recipient is not registered, if a future relationship is expected, the recipient may enter the account information and register on the spot. The term “face-to-face” here includes not only the case of directly facing the other party in front of the eyes but also the case of facing the other party through a video transmission means such as a videophone.

  Then, the server of the financial institution on the remittance side transmits a transmission permission confirmation requesting confirmation of whether or not the recipient's account information may be transmitted to the remittance person to the recipient's smartphone or the like. The recipient who has received the transmission permission confirmation determines whether or not to disclose his / her account information, and if so, notifies the server of transmission permission. The server that has received this notification transmits a confirmation notification to the sender this time. For example, a confirmation message such as “Is the recipient a Hanako Soken?” Is transmitted.

  The remittance who has received the confirmation notice confirms that there is no error in the recipient, and inputs the remittance amount to instruct remittance. The server that has received the remittance instruction accepts the remittance and sends a remittance acceptance completion notification to both the remittance and recipient. The remittance instruction from the sender is the same as the transfer operation in normal Internet banking, but the transfer destination information is automatically input on the transfer screen when the confirmation notification is received.

  In this way, the remittance can obtain the transfer information just by looking at the other party without having to ask for the account information from the other party (recipient) and entering it on the transfer screen. , Transfer can be done easily and smartly. In addition, since the recipient is always required to determine whether or not his / her account information can be sent to the sender, his / her account information may be inadvertently sent to the other party just by staring. There is no.

  FIG. 2 shows a circumcision scene when drinking with a colleague at an izakaya as an example of an actual usage scene of the “look and settle” service. In such a situation, using “Looking Up with Staring” enables smart settlement of the price. Other usage scenes of “settlement to stare” include scenes such as collection by a banquet organizer, remittance to a specific individual or an organization hosted by the individual, donation, fund-raising.

(Functional configuration)
FIG. 3 is a diagram showing a functional configuration of the “settlement settlement” system according to the first embodiment of the present invention. The “payment to stare” system (hereinafter referred to as the “system”) is based on an Internet banking server (IB server 100; hereinafter referred to simply as “server”) of a financial institution in which the sender has an account. Are connected to a remittance terminal 200 carried by the recipient and a recipient terminal 210 carried by the recipient by radio communication over the Internet. The sender terminal 200 and the receiver terminal 210 may be general smartphones, tablet terminals, and smart glasses (hereinafter referred to as smartphones). The recipient need not have an account with the same financial institution as the sender.

  The remittance terminal 200 includes a camera (imaging unit 201), and includes a facial image transmission unit 202 that transmits a recipient's face image taken by the imaging unit 201 to the server. In addition, the recipient terminal 210 includes a transmission permission / non-permission confirming unit 213 for confirming whether or not it is possible to transmit its own account information to the sender. The recipient terminal 210 may also include the imaging unit 211 and the face image transmission unit 212, but they are not used in the present embodiment.

  The transmission permission confirmation means 213 is an SMS (Short Message Service) capable of transmitting / receiving a transmission permission confirmation notification from the server to a telephone number of a recipient who has been registered in advance, and MMS (Multimedia Messaging Service) which supports transmission / reception of e-mails. An account information transmission permission confirmation screen (see FIG. 5 to be described later) for selecting permission / non-permission is generated and displayed with respect to a transmission permission confirmation notification using a mail using the URL. The terminal 210 does not necessarily include the camera (imaging unit 211).

  Although not shown, the sender terminal 200 or the recipient terminal 210 may include “searcher registration means” and “personal mode switching means”. "Searcher registration means" means that the search target (the side to be stared) registers the searcher (the side to be stared) in advance, or the searcher (the side to stare) registers the search target (the side to be stared) in advance. It is a means to keep. The registration period may be a predetermined period (temporary). After obtaining the account information after registration, the registration may be temporarily canceled. By doing so, there is no fear that an unknown partner or the like searches his / her account information without permission (authentication is required).

  The “individual mode switching means” is means for switching an attribute (mode) of a person to be watched. The personal mode switching means, for example, when an acquaintance meets while working as an employee of a store, sets the other party as the “clerk mode”, and when the same acquaintance meets other than when working, A function is provided in which the partner is set to “individual mode” and the mode is switched from his / her terminal. By doing in this way, it becomes possible to perform different authentication depending on time and scene even with the same partner.

  The function blocks of the server include user terminal communication means 101, face image receiving means 102, face authentication means 103, face authentication information DB 104 (face authentication information database) for storing recipient's registered face images, customer An account information DB 105 (account information database) storing account information, a confirmation notification means 106, and a remittance acceptance means 107 are provided.

  The user terminal communication unit 101 controls wireless communication on the Internet with a terminal of a user (in this case, a sender and a recipient). The face image receiving unit 102 receives a face image obtained by capturing the recipient from the sender terminal 200. The face authentication unit 103 compares the received face image with registration data in the face authentication information DB 104 that stores the face authentication information of the recipient registered in advance by the sender, and the feature amount of the face authentication information matches. If there is data, the face authentication is established, and the account information of the recipient registered corresponding to the face authentication information is read.

  FIG. 4 is a diagram illustrating a configuration example of data stored in the face authentication information DB 104. As shown in the figure, the face authentication information DB 104 stores recipient account information (account holder, bank name, branch name, account number) in association with each face authentication information. In addition to the account information, the face authentication information is registered in association with a notification destination such as the telephone number of the recipient's mobile terminal, and an account information transmission availability confirmation notification is sent to the notification destination by SMS mail or the like. The

  Multiple face authentication information can be registered for a single recipient. If multiple facial poses and gestures that include facial images are registered, the recipient can use that pose. It is possible to specify different receiving accounts by, for example. For example, since three poses are registered in the example of FIG. 4, accounts of A bank, B bank, and C bank can be designated as recipients by the pose of the recipient at the time of face authentication. It is also possible to use a predetermined operation in place of the second password or the second password when performing the transfer. This makes it possible to perform more reliable face authentication.

  Returning to the description of FIG. When the face authentication by the face authentication unit 103 is established, the server confirmation notification unit 106 transmits the above-described remittance permission confirmation notification to the recipient terminal 210. At this time, the remittance permission confirmation notification may include the account information of the remittance read from the account information DB 105.

  When the recipient terminal 210 receives the remittance permission confirmation notification, the transmission permission confirmation means 213 displays an account information transmission permission confirmation screen 300 as shown in FIG. For example, when the recipient presses the transmission permission button 301 from this screen (instructed by voice in the case of smart glasses), the server is notified to the confirmation notification means 106, and the confirmation notification means 106 is read by the face authentication means 103. The account information of the recipient is included in the recipient confirmation screen and transmitted to the sender terminal 200. An example of the recipient confirmation screen 400 at this time is shown in FIG. When the remittance confirms that there is no mistake in the recipient and presses the confirmation button 401, the account information of the recipient is transferred as the transfer destination information on the normal transfer screen of Internet banking. The sender can then enter the transfer amount and press the button to execute the transfer.

  The remittance accepting means 107 of the server confirms the account information of the recipient, and when the remittance request is made from the remittance terminal 200, the remittance accepting unit 107 accepts the request and sends it to the account system (not shown). Instructs the transfer of funds from the bank account to the payee's account. Further, the remittance accepting means 107 instructs the confirmation notifying means 106 that the remittance acceptance has been completed, and the confirmation notifying means 106 that has received this instruction sends a remittance acceptance completion notice (transfer acceptance completion notice) to the sender terminal 200. And a function of transmitting to the recipient terminal 210.

  That is, the confirmation notifying means 106 sends an account information transmission availability confirmation notification for allowing the recipient to confirm whether or not to send the recipient's account information to the sender terminal 200 when the recipient's face authentication is established. Means for transmitting to the payee terminal 210, and means for transmitting the account information of the payee to the remittance terminal 200 in response to the fact that the payee who has received the confirmation notification of whether or not to send the account information has permitted transmission of his / her own account information. Together.

  FIG. 7 summarizes the functions of the present system in the form of a flowchart of the process in which the sender terminal 200, the IB server 100, and the recipient terminal 210 cooperate. Since it will be repeated, the description will be omitted, but in this flowchart, the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired. In addition, when step S12 of FIG. 7 is N, two types of cases can be considered. The case where the recipient refuses to transmit the account information and the case where the face authentication information is determined to be unregistered. In the former case, the processing of the sender terminal 200 ends, but in the latter case, it is considered that a correct face image has not been transmitted. Therefore, the process returns to step S11 so that the face image of the recipient can be captured again. It may be.

  The above-described functional configuration of the present system is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be configured as one functional block. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory), flash memory, SSD (Solid State Drive), or hard disk by a CPU (Central Processing Unit) built in the device This is realized by a computer program executed by the CPU. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

<Second Embodiment>
(Basic concept)
FIG. 8 is a diagram showing a basic concept (service image) of “settlement settlement” according to the second embodiment of the present invention. In the first embodiment, the pattern in which the remittance captures the face image of the recipient and performs face authentication has been described. However, in the second embodiment, conversely, the recipient is the remittance (requestee). A pattern for capturing a face image and performing face authentication will be described. As usage scenes, a recipient who is the secretary of a banquet charges a membership fee or requests a liquidation to a participant who happens to meet, and requests a borrower who happens to meet the repayment of the money lent by the recipient. A scene, a scene where a trader (recipient) charges a customer (sender) for a product price in face-to-face sales, etc. can be considered.

  In the second embodiment, as shown in FIG. 8, first, the user logs in to the internet banking of the financial institution on the recipient's side with his / her account from a smart phone or smart glass carried by the recipient. Then, the face image obtained by staring at the partner (sender) is transmitted to the server of the financial institution on the recipient side. The order of the sender's face image capture and Internet banking login may be reversed.

  The server of the financial institution on the payee side compares the received face image with the data on the face authentication information DB and confirms the registration of the sender. Even if there is no remittance registration, if a future relationship is assumed, the remittance may be entered on the spot by inputting account information. When the registration is confirmed, the server of the financial institution on the recipient side transmits the billing information that is a request for remittance to the sender. The billing information may be obtained from a billing list prepared in advance by the recipient.

  When the remittance logs in to the Internet banking where his / her account is present, such as verbally prompted by the payee, billing information from the payee is displayed. Even without logging in to Internet banking, billing information may be separately notified by SMS mail or the like. After confirming that there is no error in the billing information, the sender sends a remittance instruction (transfer instruction) from the internet banking of the financial institution with his / her account. The server of the remittance side financial institution accepts this remittance instruction and sends a remittance acceptance completion notice to the remittance and recipient.

  With the procedure as described above, processing from billing to payment can be performed reliably. The main difference from the first embodiment is that the recipient side does not need to judge whether or not the recipient's account information can be transmitted instead of increasing the trouble of logging into the internet banking and taking the face image of the sender. It is. Since the sender only checks the billing information including the account information of the recipient and performs the transfer as it is, the time and money of the transfer are reduced. Earnings can be expected early if the time and money for the transfer is reduced.

(Functional configuration)
FIG. 9 is a diagram showing a functional configuration of the “settlement settlement” system according to the second embodiment of the present invention. Here, only differences from the functional block diagram of the first embodiment (see FIG. 3) will be described.

  In the second embodiment, in addition to the sender-side IB server 100, a recipient-side IB server 110 appears. Both servers can be connected to the sender terminal 200 and the recipient terminal 210 and are functionally equivalent. However, the imaging unit 201 and the face image transmission unit 202 of the remittance terminal 200 and the face image reception unit 102, the face authentication unit 103, and the face authentication information DB 104 of the remittance side IB server 100 are actually used in the second embodiment. Does not function (indicated by the dotted line in FIG. 9). On the other hand, in the recipient-side IB server 110, all of the above-mentioned means relating to face authentication function (however, the face authentication information of the sender (requestee) registered by the recipient is registered in the face authentication information DB 114. The remittance accepting means 107 does not function like the remittance side IB server 100.

  In addition, in the recipient-side IB server 110, a billing information generation unit 118 is newly provided instead of the remittance reception unit 107. The billing information generation means 118 extracts the account information and the billing amount for the sender who has been face-authenticated from the billing list created by the recipient, generates billing information, and includes the billing information via the confirmation notification means 116. The billing information confirmation screen is transmitted to the sender terminal 200. At this time, the same billing information confirmation screen may be transmitted to the payee terminal 210 and transmitted to the remittance terminal 200 after the payee confirms it.

  As a modification of the second embodiment, if the means related to the face authentication of the sender-side IB server 100 is also made to function, the face images of the sender and the receiver can be used to enhance security in important transactions. A mutual authentication function for mutual authentication can also be added. In this case, the imaging units 201 and 211 are provided in both the sender terminal 200 and the receiver terminal 210, and send the sender and recipient face images to the IB server on the other side, and face authentication of each IB server. The means 103 and 113 mutually authenticate the face image of the sender and the face image of the recipient. That is, in this embodiment, all the functional blocks shown by the dotted line in FIG. 9 operate. In the case of mutual authentication, the sender and receiver can register their account information with their financial institution by registering their face image with their account information. Even the first face-to-face partner will be able to “pay and stare”.

  For mutual authentication, the other party's still images (photographs) may be taken mutually, and it may be determined whether or not the difference between the taken times is shorter than a predetermined time. Alternatively, the other party's moving images (videos) may be photographed together to determine whether or not the same time is included in the photographing time. For example, in the case of a still image, if the time taken for each other is within about 10 to 20 seconds, it can be determined that the images are facing each other at the same place and the same time. Further, in the case of a moving image, if the shooting times of each other overlap, it can be determined that the images are at the same place and the same time. By doing in this way, the security at the time of mutual authentication can further be improved.

  In the above functional block diagram including the case where the mutual authentication function is added, both the sender-side IB server 100 and the receiver-side IB server 110 have means for face authentication. A face authentication center may be established to make the face authentication function independent.

  FIG. 10 is a diagram illustrating an example of a billing information confirmation screen. In the billing information confirmation screen 500 shown in the drawing, the sender confirms that there is no error in the account information of the transfer destination and the billed amount, and when the transfer button 501 is pressed, the account information of the payee is displayed on the subsequent transfer screen. Since the transfer amount is automatically posted, you can instruct the transfer as it is. If the request is not accepted, a rejection button 502 is pressed, and a request rejection is sent to the recipient terminal 210.

  FIG. 11 shows the functions of the system according to the second embodiment described above, including the recipient terminal 210, the IB server 110 of the recipient financial institution, the sender terminal 200, and the IB server 100 of the sender financial institution. These linkage processes are summarized in the form of a flowchart. Also in this flowchart, as long as the relationship between the input and output of each step is not impaired, the processing order of each step may be changed as in the case of FIG.

<Other embodiments>
In the first embodiment and the second embodiment described above, a bank is mainly assumed as a financial institution, but the present invention can also be applied to a credit card company, a securities company, or the like as another financial institution. In particular, in the case of a financial institution other than a bank, a credit card company can manage the face authentication information of members and the face authentication information of clerks of member stores, and can be applied to face-to-face sales at member stores. For example, when a customer has a plurality of credit cards, the credit card to be used can be specified by the pose at the time of face authentication. Since the face of the clerk can also be face-authenticated, it also prevents fraud. As another example of a financial institution, it can be applied to face authentication when a customer is authenticated at a store or face authentication where a customer authenticates a store clerk in a personal financial company.

  In the present invention, another application in face-to-face sales at a store is possible. Instead of using the face image of the store clerk as authentication information, the store-specific object that can identify the store in the store (for example, a sign of a store name or a figurine that has been placed in the store as a store symbol for a long time) Etc.) may be provided with an object image authenticating means for using the information as store authentication information. Even if the store does not have a debit card, the member can “authenticate” the store by taking an image of an object unique to the store and transfer it to the store's account via Internet banking. It becomes.

  The present invention can also be applied to face authentication in vending machines. That is, the user's face image and account information are registered in the financial institution server where the account of the vendor of the vending machine is located. This is particularly effective for liquor and tobacco vending machines that require age verification. In this case, the vending machine provided with the imaging means becomes the recipient terminal, and the account information of the vendor of the vending machine becomes the account information of the recipient. The vending machine automatically confirms whether or not the account information can be transmitted. In this way, even if the user does not have cash or a credit card or the like, it is possible to pay for the goods purchased with the vending machine by Internet banking transfer.

  In addition, the user uses an image of an object unique to a vending machine that is frequently used (which may be a vending machine identification panel or an identification barcode) as object authentication information instead of the recipient's face authentication information. It can be registered with a financial institution along with the account information of the vendor of the vending machine. At this time, unauthorized authentication can be further prevented if mutual authentication is performed by combining object authentication and user face authentication.

(Effect of embodiment)
According to the present system, firstly, it is possible to provide a new mechanism capable of performing remittance by an operation from internet banking in face-to-face settlement. By performing face authentication using a face image that the remittance stares at the recipient, the account information of the recipient can be acquired without asking the recipient of the information on the transfer destination. Therefore, even if you do not have cash, you can easily transfer money over the Internet. Further, since the recipient confirms whether or not the account information can be transmitted to the sender, the account information is not transmitted simply by looking at the account.

  Secondly, when the recipient makes a request to the remittance (requestee), the recipient can easily make a claim by using the face image that the recipient looks at the remittance and images it, The remittance can pay for the request without asking the recipient for information on the transfer destination.

  Third, the sender and the recipient can face each other to provide a safer settlement mechanism.

  Fourthly, in face-to-face sales at a store, the store account information can be acquired by authenticating the face of the store clerk, so the product price can be paid by transfer from the Internet. It can also serve as a means of suppressing store clerk mistakes and fraud.

  Fifth, in the face-to-face sales at the store, the account information of the store can be obtained by authenticating the object unique to the store instead of the face authentication, so the product price can be paid by transfer from the Internet it can.

  Sixth, in the purchase of goods with a vending machine, the vending machine itself can be used as a recipient terminal, and account information of the vending machine trader can be acquired. By doing in this way, even if you do not have cash or a credit card, you can pay for the goods by transfer from the Internet.

  Seventh, the means for capturing a face image may be a smart glass in addition to a general smartphone or tablet terminal. Particularly, when a smart glass is used, the face image of the other party can be captured naturally.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention. In the above embodiment, the present invention is a product invention, and the Internet banking server that processes “settlement by staring” has been described. However, the present invention can also be understood as a method invention or a program invention. .

DESCRIPTION OF SYMBOLS 100 Sender IB server 110 Recipient IB server 101, 111 User terminal communication means 102, 112 Face image receiving means 103, 113 Face authentication means 104, 114 Face authentication information DB (face authentication information database)
105,115 Account information DB (account information database)
106, 116 Confirmation notification means 107 Remittance acceptance means 118 Billing information generation means 200 Remittance terminal 210 Recipient terminal 201, 211 Imaging means 202, 212 Face image transmission means 213 Transmission availability confirmation means 300 Account information transmission availability confirmation screen 400 Recipient Confirmation screen 500 Billing information confirmation screen

Claims (9)

An internet banking server of a financial institution capable of connecting to a sender terminal possessed by a sender and a recipient terminal of a recipient who receives money from the sender,
A face image receiving means for receiving the face image of the recipient from the sender terminal having the imaging means;
Face authentication means for performing face authentication of the recipient by comparing the received face image with a face authentication information database in which face authentication information is registered;
Means for transmitting, to the recipient terminal, an account information transmission availability confirmation notification for allowing the recipient to confirm whether or not to send the recipient account information to the remittance terminal when the face authentication is established;
Means for transmitting the account information of the recipient to the sender terminal in response to the recipient receiving the account information transmission permission confirmation permitting transmission of his / her account information;
Remittance accepting means for accepting a remittance instruction from a remittance terminal that has received the recipient's account information;
Internet banking server characterized by comprising: An internet banking server of a sender and a recipient financial institution that can be connected to a sender terminal possessed by the sender and a recipient terminal of a recipient who receives the money from the sender,
The internet banking server of the recipient financial institution is
A face image receiving means for receiving a face image of the remittance person from the recipient terminal having an imaging means;
Face authentication means for performing face authentication of the remittance by comparing the received face image with a face authentication information database in which face authentication information is registered;
Means for transmitting the recipient's account information to the remittance terminal when the face authentication is established,
The internet banking server of the financial institution on the sender side is
Remittance accepting means for accepting a remittance instruction from a remittance terminal that has received the recipient's account information;
Internet banking server characterized by comprising:   The imaging means is provided in both the sender terminal and the receiver terminal, and the face authentication means of each of the sender bank side and the receiver side internet banking server includes the sender's face image and the receiver 3. The internet banking server according to claim 2, wherein the face images of each other are mutually authenticated.   2. The internet banking server according to claim 1, wherein in face-to-face sales at a store, the face authentication means uses the face image of the recipient as a face image of a store clerk.   5. The internet banking server according to claim 4, further comprising object image authentication means for authenticating an image of an object unique to the store as a substitute for the face image of the store clerk in face-to-face sales at the store.   2. The internet banking server according to claim 1, wherein the recipient terminal is a vending machine, and the account information of a vendor of the vending machine is account information of the recipient.   7. The image pickup device according to claim 1, wherein the image pickup means is a smart phone or a tablet terminal possessed by the sender or the recipient, or a smart glass attached to the sender or the recipient. Internet banking server as described in. A payment method in an internet banking server of a financial institution that can be connected to a sender terminal possessed by a sender and a recipient terminal of a recipient who receives the money from the sender,
The internet banking server is
Receiving the face image of the recipient from the sender terminal comprising the imaging means;
Performing the face authentication of the recipient by comparing the received face image with a face authentication information database in which face authentication information is registered;
When the face authentication is established, sending an account information transmission availability confirmation notification to the recipient terminal to make the recipient confirm whether or not to send the recipient account information to the sender terminal;
A step of transmitting the account information of the recipient to the remittance terminal in response to the recipient receiving the account information transmission permission confirmation notification permitting transmission of his / her account information;
Receiving a remittance instruction from a remittance terminal that has received the recipient's account information;
The method characterized by performing. A program in an Internet banking server of a financial institution that can be connected to a sender terminal possessed by a sender and a recipient terminal of a recipient who receives money from the sender,
Receiving the face image of the recipient from the sender terminal comprising the imaging means;
Performing the face authentication of the recipient by comparing the received face image with a face authentication information database in which face authentication information is registered;
When the face authentication is established, sending an account information transmission availability confirmation notification to the recipient terminal to make the recipient confirm whether or not to send the recipient account information to the sender terminal;
A step of transmitting the account information of the recipient to the remittance terminal in response to the recipient receiving the account information transmission permission confirmation notification permitting transmission of his / her account information;
Receiving a remittance instruction from a remittance terminal that has received the recipient's account information;
A program that causes a computer to execute.

Images