JP2018151755A - Information appliance, information processing method, system and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To submit personal identification information using an information appliance.SOLUTION: An information appliance comprising a storage device, a display device, a photographing device, and a communication device, acquires account information and user information based on an inserted cash card, stores the information in the storage device, ejects the cash card, displays a selection screen for sending the personal identification information on the display device, captures an image of the personal identification information with the photographing device when a person operating the appliance selects to send the personal identification information and inserts the personal identification information, and transmits the account information and the user information stored in the storage device to an external device via the communication device in association with the image data of the personal identification information captured by the photographing device.SELECTED DRAWING: Figure 3

Description

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

  There are information devices such as ATM.

Japanese Patent No. 505364

  However, with conventional ATMs, etc., it is not possible to submit identity verification materials. For example, a user who applied for a loan must apply for identity verification materials at a bank counter etc. It was.

  The present invention is an information device having a storage device, a display device, an imaging device, and a communication device, acquires account information and user information based on an inserted cash card, stores the account information and user information, and stores the cache information in the storage device. When the card is ejected, a selection screen for sending identity verification material is displayed on the display device, and when sending the identity verification material is selected and the identity verification material is inserted, the identity verification material is displayed on the imaging device. An image is captured, and the account information and user information stored in the storage device are associated with the image data of the identity verification material captured by the imaging device and transmitted to the external device via the communication device.

  According to the present invention, identity verification data can be submitted using an information device.

It is a figure which shows an example of the external appearance of ATM. It is a figure which shows an example of the hardware constitutions of ATM. It is a sequence diagram (the 1) which shows an example of the information processing of ATM and HOST. It is a figure which shows an example of a menu selection screen. It is a figure which shows an example of the selection screen of identity verification material. It is a figure which shows an example which inserted the cash card in the card slot. It is a figure which shows an example of a PIN code input screen. It is a sequence diagram (the 2) which shows an example of information processing with ATM and HOST. It is a figure which shows an example of the screen which urges | inserts identity verification material. It is a figure which shows an example which inserted the personal identification material in the card slot. It is a figure which shows an example of the acquisition confirmation screen of a personal identification material. It is a figure which shows an example of a transmission confirmation screen. It is a figure which shows an example of a reception completion screen. It is a figure which shows an example of a masking process. It is a figure which shows an example of the file after integration.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

<Embodiment 1>
FIG. 1 is a diagram illustrating an example of an appearance of an ATM (Automatic Teller Machine). As shown in FIG. 1, the ATM includes a display input device 130 such as a card slot 10 or a touch panel. The ATM 100 is an example of information equipment. The card slot 10 is an example of an opening for inserting and ejecting a card.
FIG. 2 is a diagram illustrating an example of the hardware configuration of the ATM 100. As illustrated in FIG. 2, the ATM 100 includes a control device 110, a storage device 120, a display input device 130, an imaging device 140, and a communication device 150 as hardware configurations. The control device 110 is, for example, a CPU, and controls the entire processing of the ATM 100. The control device 110 executes processing based on a program stored in the storage device 120 to realize the function of the ATM 100 and the processing of the ATM 100 in a sequence diagram to be described later. The storage device 120 is a memory such as a RAM or a ROM, and stores a program, data used when the control device 110 executes processing, and the like. The display input device 130 is, for example, a touch panel or the like, displays a screen operated by a user of the ATM 100 (hereinafter referred to as a user), inputs a user's selection operation or the like via the screen to the control device 110, The result of processing by the control device 110 is displayed. In the present embodiment, description will be made using the display input device 130, but it may be mounted on the ATM 100 separately from the display device, the input device, and the like. The ATM 100 may have an output device or an input device other than the display input device 130. The imaging device 140 images the personal identification material and the like inserted from the card slot 10 based on the control of the control device 110. In the present embodiment, the imaging device 140 will be described as having two cameras in order to capture the front and back surfaces of identity verification materials and the like. The communication device 150 is a device for communication between an external device and the ATM 100 via a network.
The hardware configuration of FIG. 2 is an example of the hardware configuration of the ATM 100, and the ATM 100 may have other hardware configurations. The program stored in the storage device 120 may be recorded on a computer-readable recording medium such as a flexible disk (FD) or a CD-ROM and supplied from the recording medium, or a communication medium such as the Internet. It is good also as a structure supplied via this. The storage device 120 is an example of a recording medium.

FIG. 3 is a sequence diagram (part 1) illustrating an example of information processing between the ATM 100 and the HOST 200. The HOST 200 is an example of an external device. The HOST 200 is, for example, a basic system (or basic computer) of a bank, but may be, for example, an ATM monitoring server that manages and monitors a plurality of ATMs. The HOST 200 has at least a control device, a storage device, a communication device, etc., similarly to the hardware configuration of the ATM 100 shown in FIG. 2, and the control device of the HOST 200 executes processing based on a program stored in the storage device of the HOST 200. Thus, the function of the HOST 200 is realized.
In SQ 10, the control device 110 of the ATM 100 displays a menu selection screen on the display input device 130. FIG. 4 is a diagram illustrating an example of the menu selection screen 40. The user selects the “Send identity verification material” button on the menu selection screen 40.
Upon receiving information from the display input device 130 that the “Send identity verification material” button has been selected on the menu selection screen 40, the control device 110 of the ATM 100 selects the identity verification material on the display input device 130 in SQ20. Display the screen. FIG. 5 is a diagram showing an example of the identification confirmation material selection screen 45. As shown in FIG. 5, examples of the identity verification material include a driver's license, a driving history certificate, and my number card. In the following, for simplification of description, the description will be made assuming that a driver's license has been selected as identification information. The identity verification material selection screen 45 is a diagram illustrating an example of a screen for selecting the type of identity verification material.
Upon receiving information from the display input device 130 that one of the identity verification materials has been selected on the identity verification material selection screen 45, the control device 110 of the ATM 100 prompts the display input device 130 or the like to insert a cash card. Display the screen. FIG. 6 is a diagram illustrating an example in which the user has inserted a cash card into the card slot 10.

In SQ 30, the control device 110 of the ATM 100 detects that a cash card has been inserted into the card slot 10. Based on the inserted cash card, the control device 110 of the ATM 100 acquires a store number, an account number, a user's pseudonym name and the like related to the cash card.
In SQ 40, the control device 110 of the ATM 100 displays a password input screen on the display input device 130. FIG. 7 is a diagram illustrating an example of the password input screen 50. In the present embodiment, the input of a personal identification number is described as an example. However, if the user can be personally authenticated, the authentication information is not limited to the personal identification number, but other information such as handwritten signature information, fingerprint information, It may be palm vein information, iris information, or the like. However, for the sake of simplification of description, the following description will be made by taking a password as an example.
In SQ50, the control device 110 of the ATM 100 associates the user information specified on the basis of the cash card with the password entered via the password input screen 50, and whether the combination of the user information and the password is correct. A no-match request is sent to the HOST 200.
When the match request is received from the ATM 100, in SQ60, the control device of the HOST 200 determines whether or not this combination is correct based on the user information and the personal identification number included in the received match request, and stores the combination information and the HOST 200. A correct combination of correct answer information held in a device or the like is checked and judged.
When the match is completed, the control device of the HOST 200 transmits the match result (or the determination result) to the ATM 100. In SQ 70, the control device 110 of the ATM 100 receives the result of the match (or the result of determination) from the HOST 200.
When the result indicating that the combination is correct is received, in SQ80, the control device 110 of the ATM 100 stores the store number, the account number, the user's pseudonym name, and the like related to the cash card acquired based on the cash card in the storage device 120. . The store number and account number are examples of account information. The user's pseudonym name is an example of user information.
In SQ 90, the control device 110 of the ATM 100 controls to insert the inserted cash card from the card slot 10.

FIG. 8 is a sequence diagram (part 2) illustrating an example of information processing between the ATM 100 and the HOST 200. FIG. 8 shows information processing from the continuation of SQ90 of FIG. 3 described above.
In SQ100, the control device 110 of the ATM 100 displays a screen prompting the user to insert the personal identification material on the display input device 130 or the like. FIG. 9 is a diagram illustrating an example of a screen 55 that prompts the user to insert identification information. In this embodiment, the card slot for inserting and ejecting the cash card and the card slot for inserting and ejecting the personal identification material are the same card slot, but they may be mounted on the ATM 100 as separate card slots. FIG. 10 is a diagram illustrating an example in which the user has inserted a driver's license, which is a personal identification material, into the card slot 10.
In SQ 110, the control device 110 of the ATM 100 detects that a driver's license has been inserted into the card slot 10.
In SQ120, the control device 110 of the ATM 100 displays a screen for confirming the receipt of the personal identification material on the display input device 130 or the like. FIG. 11 is a diagram showing an example of the confirmation screen 60 for confirming the identity verification material. When permitting the acquisition of the personal identification material, the user selects the “execute import” button on the verification confirmation screen 60 for the personal identification material.
When the information indicating that the “execute import” button is selected from the display confirmation screen 60 of the personal identification material is received from the display input device 130, in SQ130, the control device 110 of the ATM 100 operates as the personal identification material. The driver's license is taken in, and the front and back surfaces of the driver's license are photographed by the two cameras of the imaging device 140.
In SQ140, the control device 110 of the ATM 100 adds the store number stored in SQ80 + the account number + the user's pseudonym name + the time information (year / month / day) to the file name of the image data acquired as a result of shooting in SQ130. + Hour, minute, second) and save as a video file. For example, the control device 110 of the ATM 100 creates and saves a video file with the file name of the video file on the front side of the personal identification material as “00011234567 Kinyutarou 2017022512335021_1”. Also, the control device 110 of the ATM 100 creates and stores a video file with the file name of the video file on the back side of the identity verification material as “00011234567 Kinyutarou 2017022512335021_2”.
If it is possible to perform identity verification when applying for a loan, etc., using either the front or back information depending on the type of identity verification material, the control device 110 of the ATM 100 will either Only a video file may be created and saved.

In SQ150, the control device 110 of the ATM 100 displays a pre-transmission confirmation screen on the display input device 130 or the like. FIG. 12 is a diagram illustrating an example of the transmission confirmation screen 65. When the user confirms the contents of the personal confirmation material and determines that the information can be transmitted, the user selects the “confirm and transmit” button on the transmission confirmation screen 65.
When the information indicating that the “confirm and transmit” button on the transmission confirmation screen 65 is selected is received from the display input device 130, the control device 110 of the ATM 100 in SQ160, the video file on the front surface of the personal identification material and the back surface thereof. Are sent to the HOST 200. The image data included in the video file is an example of the image data of the personal identification material.
When the video file is received from the ATM 100, in SQ170, the control device of the HOST 200 stores the video file on the front side and the video file on the back side of the personal identification material in the storage device or the like of the HOST 200.
When the saving is completed, the control device of the HOST 200 transmits a file saving completion message to the ATM 100. In SQ 180, the control device 110 of the ATM 100 receives a storage completion message from the HOST 200.
In SQ 190, the control device 110 of the ATM 100 displays a reception completion screen on the display input device 130. FIG. 13 is a diagram illustrating an example of the reception completion screen 70.
In SQ 200, the control device 110 of the ATM 100 controls the inserted identity verification material to be ejected from the card slot 10.

Next, processing of the control device of the HOST 200 after storing the video file in a storage device or the like will be described. The control device of the HOST 200 that stores the video file on the front side and the video file on the back side of the personal identification material in the storage device of the HOST 200 executes a masking process on the image data of the video file. More specifically, the control device of the HOST 200 performs a masking process on the sensitive information area of the image data when the identification information is a driver's license. FIG. 14 is a diagram illustrating an example of the masking process. As shown in FIG. 14, the control device of the HOST 200 executes a masking process on the sensitive information areas such as the condition etc. field 80 on the front side of the driver's license and the organ provision field 85 on the back side of the driver's license. . The area to be masked is determined in advance for each type of identity verification material, and information for specifying the area to be masked is stored in the storage device of the HOST 200. Then, the control device of the HOST 200 can specify a masking target region from the image data and execute a masking process. Further, the masking process may be performed in the same manner in the ATM 100 in addition to being performed in the HOST 200. As the information for specifying the masking target area, for example, the masking target item may be masked within a predetermined range after the masking target item is recognized by the character recognition processing, or the masking target coordinate information for each identification document. May be set in advance, and masking may be performed based on the coordinate information.
Next, the control device of the HOST 200 integrates the video file on the front side and the video file on the back side of the identity verification material into one file. FIG. 15 is a diagram illustrating an example of the file 90 after integration. For example, when the file names before integration are “00011234567 Kinyutarou 2017022512335021_1” and “00011234567 Kinyutarou 2017022512335021_2”, the control device of the HOST 200 sets the file name after integration to “00011234567 Kinutarou” or the like. In FIG. 15, the masked portion is a portion where the written information cannot be seen by the bank clerk.
By including the store number and account number in the file name of the file 90 after integration, it becomes possible to easily perform matching with data held in another system. Here, the other system includes, for example, a loan application system. The loan application system includes a terminal device and a server device, and has at least a control device, a storage device, a communication device, and the like, similar to the hardware configuration of the ATM 100 and the HOST 200 shown in FIG. Various functions and the like of the loan application system are realized by executing processing based on a program stored in the storage device. The terminal of the loan application system may be configured as ATM 100, and the server device may be configured as HOST 200.
In the loan application system, for example, when the store number and the account number are entered in the application data on the terminal device of the loan application system, the server device of the loan application system makes an inquiry to the HOST 200 and the terminal device of the loan application system By matching the input information and the file name of the personal identification material stored in the storage device of the HOST 200, the application data and the file 90 after the integration of the personal identification material can be easily associated with each other. The loan application system displays the application data and the file 90 after integration of the identity verification material on the display or the like after the association (that is, after obtaining the identity verification material file 90 on the loan application system side). Bankers can confirm that the name, address, date of birth, etc. entered in the loan application system are correct.
According to the process of this embodiment, the identity verification material can be submitted using the ATM 100.

<Embodiment 2>
In the first embodiment, the case where the user selects the “send identity verification material” button on the menu selection screen 40 in FIG. 4 has been described as an example. However, for example, the user selects a button (for example, “Balance inquiry” button) other than the “Send identity verification material” button on the menu selection screen 40 of FIG. 4, and the control device 110 of the ATM 100 is selected as the selected button. Whether there is an application that requires the sending of identity verification information including the store number, account number, user's pseudonym name, etc. obtained from the inserted cash card or passbook, etc. The host 200 may be inquired of whether or not it is necessary (whether or not to send identification information). As a result of the inquiry, if the corresponding user has applied for an application (for example, loan application etc.) that requires the sending of the identity verification material, the control device 110 of the ATM 100 sends the identity verification material to the display input device 130. A screen that prompts sending may be displayed. When the user selects to send the identity verification material, the control device 110 of the ATM 100 displays the screen 55 for prompting the insertion of the identity verification material as shown in FIG. 9 on the display input device 130 or the like. That is, in the process of the present embodiment, a button other than the “Send Identity Verification Material” button is selected, and in the process according to the selected button, the control device 110 of the ATM 100 performs the process as shown in FIG. Is supposed to be running.
Even in the processing of this embodiment, when other processing (for example, balance inquiry, etc.) is performed using the ATM 100, it is inquired whether or not the user is required to send the personal identification material. According to the results of the above, identification documents can be submitted.

The exemplary embodiment of the present invention has been described in detail above, but the present invention is not limited to the specific embodiment. For example, in the above-described embodiment, the description has been made using ATM as an example of the information device, but the present invention is not limited to this and may be an automatic ticket machine or the like.
Further, in the above-described embodiment, the imaging apparatus 140 has been described as having two cameras in order to capture the front and back surfaces of the personal identification material and the like. However, the ATM 100 has only one camera. When the surface of the personal identification material is photographed with the camera, the personal identification material is ejected from the card slot 10 and the personal identification material is inserted from the card slot 10 on the back. You may make it prompt. Then, the ATM 100 may photograph the personal identification material inserted on the back with a camera to acquire image data of the front and back surfaces of the personal identification material.

  As mentioned above, according to each embodiment mentioned above, identity verification data can be submitted using information equipment, such as ATM100.

100 ATM
110 Control Device 120 Storage Device 130 Display Input Device 140 Imaging Device 150 Communication Device

Claims (9)

An information device having a storage device, a display device, an imaging device, and a communication device,
Acquire account information and user information based on the inserted cash card, store in the storage device,
Eject the cash card,
Display the selection screen for sending identity verification materials on the display device,
When sending the identity verification material is selected and the identity verification material is inserted, the identity verification material is imaged by the imaging device,
An information device that associates the account information and user information stored in the storage device with image data of the identity verification material imaged by the imaging device and transmits the image data to an external device via the communication device. A screen for selecting the type of the identity verification document is displayed on the display device,
When a driver's license is selected on the screen, the imaging device captures the front and back surfaces of the inserted identity verification material,
The account information and user information stored in the storage device and image data of the front and back surfaces of the identity verification material imaged by the imaging device are associated with each other and transmitted to the external device via the communication device. 1. Information device according to 1.   The account information and user information stored in the storage device by setting the file name of the image data of the identity verification material as the account information and user information, and the image data of the identity verification material imaged by the imaging device, The information device according to claim 1, wherein the information device is transmitted in association with the external device. Inquires of an external device via the communication device whether or not it is necessary to send an identity verification material based on the account information and user information acquired based on the cash card,
The information device according to any one of claims 1 to 3, wherein a screen for prompting the sending of the identity verification material is displayed when the identity verification material needs to be sent as a result of the inquiry.   The information device according to any one of claims 1 to 4, wherein the information device is an ATM (Automatic Teller Machine). A system including an information device and an external device,
The information device is
Acquire account information and user information based on the inserted cash card, store the acquired information,
Eject the cash card,
Display the selection screen for sending identity verification materials,
When sending of the identity verification material is selected and the identity verification material is inserted, the identity verification material is imaged,
The stored account information and user information and the captured image data of the identity verification material are transmitted to an external device,
The information device or the external device is
A system for performing a masking process on a predetermined area of the image data of the personal identification material. The external device is
Storing the account information and user information transmitted from the information device in association with the image data of the identity verification material,
The system according to claim 6, wherein the image data of the corresponding identity verification material is acquired from the stored data and displayed based on the input account information. An information processing method executed by an information device having a storage device, a display device, an imaging device, and a communication device,
Obtaining account information and user information based on the inserted cash card and storing it in the storage device;
Discharging the cash card;
Displaying a selection screen for sending the identification document on the display device;
When sending the identity verification material is selected and the identity verification material is inserted, imaging the identity verification material with the imaging device; and
Associating the account information and user information stored in the storage device with the image data of the identity verification material imaged by the imaging device, and transmitting to the external device via the communication device;
An information processing method including: In information equipment having a storage device, a display device, an imaging device, and a communication device,
Obtaining account information and user information based on the inserted cash card and storing it in the storage device;
Discharging the cash card;
Displaying on the display device a selection screen for sending identification information;
When the sending of the identity verification material is selected and the identity verification material is inserted, imaging the identity verification material with the imaging device;
Associating the account information and user information stored in the storage device with the image data of the identity verification material imaged by the imaging device, and transmitting to the external device via the communication device;
A program for running

Images