JP2023031562A - Information processing apparatus, information processing method, program, and system - Google Patents

Abstract

To provide an information processing apparatus which improves operation efficiency in registering an identification image in opening an account, an information processing method, a program, and a system.SOLUTION: In a system configured by connecting an information processing apparatus, an image storage server, a registration terminal, and an inquiry server over a network, the information processing apparatus includes: an input unit to be used for inputting account opening information to be required for opening an account; a signature image acquisition unit which acquires an autograph signature image of a person who opens the account; an identification image acquisition unit which acquires an identification image to be used for identification of the person who opens the account; and a synthesis unit which generates a synthesized data by associating the account opening information, the signature image, and the identification image.SELECTED DRAWING: Figure 4

Description

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

When opening an account at a financial institution, an application form for opening an account and a seal stamp are required. Normally, the application form for opening an account and the seal stamp are issued by handwriting. In addition, the contents entered in the seal stamp slip are later registered in the seal inquiry system, and are used for personal identification when withdrawing money.

Further, for example, as disclosed in Japanese Unexamined Patent Application Publication No. 2002-100000, a technique of scanning a seal stamp and converting it into an image has also been proposed.

JP 2015-191367 A

However, the technology disclosed in Patent Literature 1 is limited to imaging a seal slip issued on a paper medium, and is expected to sufficiently reduce the trouble of customers who open accounts and bank employees who perform account opening operations. hard to say.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a new and improved personal identification image registration process that can streamline the work of registering an identity verification image when opening an account. An object is to provide an information processing device, an information processing method, a program, and a system.

In order to solve the above problems, according to one aspect of the present invention, an input unit used for inputting account opening information required for opening an account, and a signature image for obtaining a handwritten signature image by the person who opens the account An acquisition unit, an identity verification image acquisition unit for acquiring an identity verification image used for identity verification of a person who opens an account, the account opening information, the signature image, and the identity verification image are associated with each other. and a synthesizing unit that generates synthetic data.

The personal identification image may include a seal stamp image obtained by photographing a seal impression owned by the person who opens the account.

The personal identification image may include a biometric image of the person who opens the account.

The combined data may include a seal stamp image, and the synthesizing unit may combine the account opening information, the signature image, and the seal stamp image to generate the seal stamp image.

The information processing device may further include a communication unit that transmits the synthesized data to a server that stores information used for personal identification of the person who opens the account.

In order to solve the above problems, according to another aspect of the present invention, account opening information required for opening an account is obtained, and an image of a handwritten signature by the person who opens the account is obtained. obtaining an identity verification image used for identity verification of the person who opens the account; generating synthetic data in which the account opening information, the signature image, and the identity verification image are associated; A method of processing information is provided, comprising:

In order to solve the above problems, according to another aspect of the present invention, a computer comprises an input unit used for inputting account opening information required for opening an account, and a handwritten signature by the person who opens the account. A signature image acquisition section for acquiring an image; an identity verification image acquisition section for acquiring an identity verification image used for identity verification of a person who opens an account; the account opening information, the signature image, and the identity verification; and a synthesizing unit that generates synthesized data associated with an image for use.

In order to solve the above problems, according to another aspect of the present invention, an information processing device and a server are provided, and the information processing device includes an input unit used for inputting account opening information required for opening an account. a signature image acquisition unit for acquiring a signature image handwritten by the person who opens the account; an identity verification image acquisition unit for acquiring an identity verification image used for identity verification of the person who opens the account; a synthesizing unit that generates synthetic data in which the opening information, the signature image, and the personal identification image are associated with each other; and the server comprises a storage unit that stores the synthetic data. .

As described above, according to the present invention, it is possible to improve the efficiency of the process of registering an identity confirmation image when opening an account.

FIG. 10 is a diagram for explaining an example of the conventional flow of processing a stamp slip; FIG. 10 is a diagram showing an example of a conventional paper-medium seal stamp slip; BRIEF DESCRIPTION OF THE DRAWINGS It is a block diagram which shows the structural example of the system 1 which concerns on the 1st Embodiment of this invention. 2 is a block diagram showing a configuration example of an information processing apparatus 10 according to the same embodiment; FIG. 4 is a flow chart showing the flow of storing a seal stamp image according to the same embodiment. It is a block diagram which shows the structural example of the system 1 which concerns on the 2nd Embodiment of this invention. 4 is a flow chart showing the flow of data registration to the inquiry server 40 according to the same embodiment. 9 is a diagram showing a hardware configuration of an information processing device 900 having a hardware configuration equivalent to that of the information processing device 10 according to one embodiment of the present invention; FIG.

Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings. In the present specification and drawings, constituent elements having substantially the same functional configuration are denoted by the same reference numerals, thereby omitting redundant description.

<1. Conventional Processing of Stamp Stamps>
In order to clarify the effects of one embodiment of the present invention, first, conventional processing of seal stamps will be described.

FIG. 1 is a diagram for explaining an example of the conventional flow of processing a seal stamp.

A customer who wants to open an account visits a branch of a financial institution, receives a reception at the counter, and issues an account opening application form D1 and a seal stamp D2 in paper form.

A branch employee uses the branch terminal 60 to open an account based on the contents of the account opening application form D1 handwritten by the customer.

FIG. 2 is a diagram showing an example of the seal stamp slip D2. A customer who opens an account handwrites information such as his/her address, name, place of work, etc. on the seal card D2, and affixes his/her seal using a seal used for personal identification when withdrawing money.

In addition, information such as the account number and ID obtained by the bank clerk's account opening process, the branch number, and the subject are entered in the seal card D2.

The description is continued with reference to FIG. 1 again. The issued paper-medium seal stamp slip D2 is transported to the business center of the financial institution for data registration in the seal inquiry server 80 .

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

On the other hand, the paper-medium seal stamp slip D2 for which scanning has been completed is returned to the sales office and stored.

The operator of the business center uses the registration terminal 75 to extract a seal image and a signature image from the seal stamp image stored in the image storage server 70 and adjust the density.

In addition, the operator registers the processed seal image and signature image in the seal inquiry server 80 in association with the account opening information included in the seal stamp slip image.

When a customer wishes to withdraw money from an account opened by a customer, a bank employee at the branch accesses the seal inquiry server 80 using the branch terminal 60, and obtains the seal image registered in the seal inquiry server 80 and the customer's hand. It is determined whether or not the seal is the same as the registered seal.

When judging that the seal image registered in the seal inquiry server 80 and the seal brought by the customer match, the bank clerk performs withdrawal processing, and when judging that they do not match, the withdrawal is refused.

In the above, an example of the processing of the seal slip in the related art has been described. As described above, conventional seal slips are handwritten, which is a hassle for customers and branch employees.

In addition, the work of converting the paper medium seal stamp into data and registering it in the seal inquiry server 80 has been a heavy workload for the operator of the business center.

Furthermore, it is difficult to say that issuing a paper-based seal stamp is desirable from the viewpoint of environmental conservation.

The technical idea according to one embodiment of the present invention was conceived by paying attention to the above points, and is intended to streamline the work of registering an identity verification image when opening an account.

Hereinafter, embodiments for realizing the above will be described in detail.

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

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

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

A person who opens an account may be able to use the information processing device 10 to register a signature image, an identity verification image, and other personal information.

The identity verification image may be various images used for identity verification of a person who opens an account.

An example of the personal identification image is a seal image obtained by photographing a seal impression owned by a person who opens an account.

Also, the personal identification image may include, for example, a biometric image of a person who opens an account.

A vein image, a fingerprint image, a face image, a glow image, or the like may be used as the biometric image.

Also, a branch employee may use the information processing device 10 to register account opening information including an account number.

The information processing apparatus 10 according to one embodiment of the present invention is characterized by generating synthesized data in which the signature image, the personal identification image, and the account opening information are associated with each other.

In the first embodiment, the synthesized data may be an image of an identification form. For example, when a personal seal image is used as the personal identification image, the personal identification document image may be a personal seal slip image.

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

(Image storage server 20)
The image storage server 20 according to this embodiment is a server that includes a storage unit that stores the identity verification form image generated by the information processing apparatus 10 .

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

(Registration terminal 30)
In the registration terminal 30 according to the present embodiment, the operator of the business center cuts out an identity verification image and a signature image from the identity verification form image stored in the image storage server 20, and sends them to the inquiry server 40. A terminal for registration.

The registration terminal 30 according to this embodiment may have functions equivalent to those of the conventional registration terminal 75 described above.

(Inquiry server 40)
The inquiry server 40 according to the present embodiment is a server that stores data used for personal identification when withdrawing money. Inquiry server 40 may also control a user interface for data inquiries.

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

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

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

(Display unit 110)
The display unit 110 according to this embodiment displays various kinds of information. For this purpose, the display unit 110 includes a display.

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

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

The account opening information may include, for example, the address, name, place of work, etc. of the person opening the account, account number, various IDs, store number, subjects, and the like.

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

Meanwhile, the input unit 120 may be a keyboard or the like provided separately from the display unit 110 .

(Signature image acquisition unit 130)
The signature image acquisition unit 130 according to the present embodiment acquires a signature image handwritten by the person who opens an account.

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

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

A person who opens an account signs, for example, the signature image acquisition unit 130 by handwriting using an electronic pen or the like.

(Person verification image acquisition unit 140)
The personal identification image acquiring unit 140 according to the present embodiment acquires the personal identification image used for personal identification of the person who opens an account.

As described above, the personal identification image according to the present embodiment may be, for example, a seal image obtained by photographing a seal imprint of a seal.

When a seal image is used as the personal identification image, the personal identification image acquiring unit 140 includes a scanner for capturing the imprint of the seal.

Also, the personal identification image according to the present embodiment may be, for example, a biometric image. In this case, various photographing devices are provided for acquiring biological images.

A plurality of types of personal identification images may be employed. For example, identity verification may be performed using a seal image and a vein image.

(Combining unit 150)
The synthesizing unit 150 according to an embodiment of the present invention combines the account opening information input using the input unit 120, the signature image obtained by the signature image obtaining unit 130, and the personal identification information obtained by the personal identification image obtaining unit 140. Synthetic data that associates the image for

In the first embodiment of the present invention, the synthesized data may be an image of a personal identification document. For example, when a seal image is used as the identity verification image, the identity verification form image may be a seal stamp image formed in the same format as the paper medium seal stamp slip D2 shown in FIG.

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

According to the above-described functions of the synthesizing unit 150 according to the first embodiment of the present invention, it is possible to effectively reduce the time and effort of customers and bank employees who generate paper-based seal stamps by handwriting.

Further, according to the above-described functions of the synthesizing unit 150 according to the present embodiment, it is possible to eliminate the work of scanning paper-medium stamp slips and improve the operational efficiency of operators in the business center.

Furthermore, it is possible to greatly reduce the cost required for transportation, storage, etc. of the paper medium for the seal stamp.

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

The communication unit 160 according to the present embodiment transmits the personal identification document image generated by the synthesizing unit 150 to the image storage server 20 .

The configuration example of the information processing apparatus 10 according to the first embodiment of the present invention has been described above. Note that the configuration described using FIG. 4 is merely an example, and the configuration of the information processing apparatus 10 according to the present embodiment is not limited to such an example.

The configuration of the information processing apparatus 10 according to this embodiment can be flexibly modified according to specifications and operations.

<<2.3. Flow of document image storage for identity verification>>
Next, the flow of storing the personal identification form image according to the present embodiment will be described in detail. In the following description, the image for personal identification is the image of a personal seal, and the image of the form for personal identification is the image of a seal stamp.

FIG. 5 is a flow chart showing the flow of storing the seal stamp image according to the present embodiment.

In the case of the example shown in FIG. 5, first, a bank employee at a sales office confirms the identity of a person who opens an account using an identity verification document such as a driver's license (S102).

Next, the branch employee checks whether or not the person opening the account is related to anti-social forces, ie, conducts a so-called anti-social check (S104).

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

Next, the person who opens the account signs by hand using an electronic pen or the like, and the signature image is obtained by the signature image obtaining unit 130 (S108).

Next, the person who opens the account affixes the seal to the personal identification image acquisition unit 140 without adding red ink to the seal, and the personal identification image acquisition unit 140 acquires the seal image (S110).

Next, the branch clerk issues a passbook based on the account opening information input in step S106 (S112).

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

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

An example of the flow of storing the stamp image according to the present embodiment has been described above.

According to the flow described above, it is possible to generate and store a seal stamp image containing information equivalent to that of a conventional scanned image of a paper medium.

According to this, even if it is difficult to completely abolish paper-based seal stamps, business efficiency can be improved without significantly changing conventional business.

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

On the other hand, if the conventional paper-based seal stamp can be completely abolished, the seal stamp image does not necessarily have to be generated.

For this reason, the synthesizing unit 150 according to the second embodiment of the present invention does not need to process synthesized data in which the account opening information, the signature image, and the seal image are associated with each other into a form format.

In this case, the communication unit 160 according to the second embodiment of the present invention transmits combined data in which the account opening information, the signature image, and the seal image are associated with each other to the inquiry server 40, and directly registers the combined data. good.

This eliminates the need for the operator of the business center to cut out the signature image and the seal image from the seal stamp image, thus making it possible to further improve operational efficiency.

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

As described above, a seal stamp image is not generated in this embodiment. Therefore, the system 1 according to the present embodiment may include the information processing device 10 and the inquiry server 40 and may not include the image storage server 20 and the registration terminal 30 .

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

However, as described above, in the second embodiment, the synthesizing unit 150 does not generate the seal stamp image, and the communication unit 160 transmits the synthesized data to the inquiry server 40 and directly registers the synthesized data. It differs from the first embodiment.

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

FIG. 7 is a flow chart showing the flow of data registration in the inquiry server 40 according to the second embodiment of this embodiment.

Since the processing in steps S202 to S212 shown in FIG. 7 may be substantially the same as the processing in steps S202 to S212 shown in FIG. 5, detailed description thereof will be omitted.

The synthesizing unit 150 according to the present embodiment generates synthesized data in which the account opening information input in step S206, the signature image obtained in step S208, and the seal impression image obtained in step S210 are associated with each other. The communication unit 160 according to the embodiment registers the combined data in the inquiry server 40 (S214).

<4. Hardware configuration>
Next, a hardware configuration example of the information processing apparatus 10 according to one embodiment of the present invention will be described. A hardware configuration example of an information processing apparatus 900 having a hardware configuration equivalent to that of the information processing apparatus 10 according to an embodiment of the present invention will be described below.

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

The CPU 901 functions as an arithmetic processing device and a control device, and controls general operations within the information processing device 900 according to various programs. Alternatively, the CPU 901 may be a microprocessor. The ROM 902 stores programs, calculation parameters, and the like used by the CPU 901 . The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, and the like. These are interconnected by a host bus 904 comprising a CPU bus or the like.

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

The input device 908 includes input means for the user to input information, such as a mouse, keyboard, touch panel, button, microphone, switch, and lever, and an input control circuit that generates an input signal based on the user's input and outputs it to the CPU 901 . etc. A user who operates the information processing apparatus 900 can input various data to the information processing apparatus 900 and instruct processing operations by operating the input device 908 .

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

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

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

<5. Conclusion>
As described above, the information processing apparatus 10 according to one embodiment of the present invention includes the input unit 120 used for inputting account opening information required for opening an account, and acquiring a signature image handwritten by the person who opens an account. a signature image acquisition unit 130 that acquires a signature image, an identity verification image acquisition unit 140 that acquires an identity verification image used to verify the identity of a person who opens an account, and the account opening information, the signature image, and the identity verification image are associated with each other. and a synthesizing unit 150 that generates synthesized data.

According to the above configuration, it is possible to streamline the work of registering the personal identification image when opening an account.

Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention belongs can conceive of various modifications or modifications within the scope of the technical idea described in the claims. It is understood that these also naturally belong to the technical scope of the present invention.

For example, in the above-described embodiment, the system 1 is applied to personal identification at a financial institution, but the present invention can be widely applied to various types of business for personal identification using image data.

Further, for example, in the above embodiment, the case where the information processing device 10 is installed in a branch of a financial institution has been described as a main example, but the information processing device 10 may be used in an unmanned store, a private residence, or the like. good. According to the information processing apparatus 10 having the functions described above, the customer can open an account without going to the sales office. For this reason, the present invention is very useful for customers who have difficulty in visiting financial institution branches.

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

1 System 10 Information Processing Device 110 Display Unit 120 Input Unit 130 Signature Image Acquisition Unit 140 Identity Verification Image Acquisition Unit 150 Synthesis Unit 160 Communication Unit 20 Image Storage Server 30 Registration Terminal 40 Inquiry Server 50 Network

Claims (8)

an input unit used for inputting account opening information required to open an account;
a signature image acquiring unit for acquiring a signature image handwritten by the person who opens the account;
a personal identification image obtaining unit for obtaining a personal identification image used for personal identification of the person who opens the account;
a synthesizing unit that generates synthetic data in which the account opening information, the signature image, and the personal identification image are associated with each other;
comprising
Information processing equipment. The identity verification image includes a seal image obtained by photographing a seal impression owned by the person who opens the account,
The information processing device according to claim 1 . The identity verification image includes a biometric image of the person who opens the account,
The information processing apparatus according to claim 1 or 2. The synthetic data includes a seal stamp image,
The synthesizing unit synthesizes the account opening information, the signature image, and the seal image to generate the seal stamp image.
The information processing apparatus according to claim 2. a communication unit that transmits the synthesized data to a server that stores information used to inquire about the identity of the person who opens the account;
further comprising
The information processing apparatus according to any one of claims 1 to 4. Acquisition of account opening information required for opening an account;
obtaining a handwritten signature image by the person who opens the account;
Acquiring an identity verification image used for identity verification of the person who opens the account;
generating synthetic data that associates the account opening information, the signature image, and the identity verification image;
including,
Information processing methods. the computer,
an input unit used for inputting account opening information required to open an account;
a signature image acquiring unit for acquiring a signature image handwritten by the person who opens the account;
a personal identification image obtaining unit for obtaining a personal identification image used for personal identification of the person who opens the account;
a synthesizing unit that generates synthetic data in which the account opening information, the signature image, and the personal identification image are associated with each other;
comprising
information processing equipment,
A program that acts as a Equipped with an information processing device and a server,
The information processing device is
an input unit used for inputting account opening information required to open an account;
a signature image acquiring unit for acquiring a signature image handwritten by the person who opens the account;
a personal identification image obtaining unit for obtaining a personal identification image used for personal identification of the person who opens the account;
a synthesizing unit that generates synthetic data in which the account opening information, the signature image, and the personal identification image are associated with each other;
with
The server is
a storage unit that stores the synthetic data;
comprising
system.

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