JP6536894B2 - "Gaze and settle" server, its method and program - Google Patents

Description

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

  In recent years, when paying money to the other party, transfer using Internet banking is widely performed. Since the transfer requires the transfer destination information such as the name of the financial institution, the branch name, and the account number of the transfer destination, the transfer can not be performed if the transfer destination information is not known. However, the exchange of transfer information is troublesome, and in particular, it is distracting to directly ask an account number etc. to the other party who is facing. In addition, it is rare that the person who is in contact also stores the account number and the like, and in many cases, the person who has the account number and the like of the cash card, the passbook and the like is not included.

  Therefore, the payment method by transfer is not suitable for face-to-face payment, even if it is used for non-face-to-face payment such as payment for a net shopping fee. Most face-to-face payment uses a card-type medium such as a debit card, a credit card, or an electronic money card, and techniques for improving its convenience and preventing unauthorized transactions are described in, for example, Patent Documents 1 and 2 Although there are many disclosures, there is no technology related to net transfer using face-to-face payment.

JP 2002-63370 A Japanese Patent Application Laid-Open No. 2007-095020

  Therefore, in view of the problems as described above, the present invention aims to provide a new mechanism capable of remittance by transfer operation from Internet banking in face-to-face settlement.

In order to solve the above-mentioned subject, the present invention provides the following solutions.
(1) In the first aspect of the present invention, it is an internet banking server of a financial institution connectable to a remitter terminal possessed by a remitter and a receiver terminal of a receiver who receives remittance from the remitter. The face image receiving means for receiving the face image of the recipient from the remittance terminal provided with the imaging means, and the received face image are collated with the face authentication information database in which the face authentication information is registered, Face authentication means for performing face authentication of the beneficiary, and, when the face authentication is established, confirming whether the account information can be transmitted to the remittance terminal whether or not the account information of the beneficiary is to be transmitted Means for transmitting a notification to the payee terminal, and the payee terminal receiving the account information of the payee in response to the payee having received the account information transmission availability confirmation notification permitting transmission of his own 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, according to the second aspect of the present invention, a sender side and a receiver side capable of connecting to a sender terminal owned by a sender and a receiver terminal of a receiver who receives a remittance from the sender. An Internet banking server of the financial institution, wherein the Internet banking server of the financial institution at the recipient side receives the face image of the sender from the recipient terminal provided with an imaging means A face authentication unit that performs face authentication of the remitter by collating the received face image with a face authentication information database in which face authentication information is registered; and an account of the recipient when the face authentication is established Means for transmitting information to the remitter terminal, wherein the internet banking server of the remitter's financial institution receives a remittance instruction from the remitter terminal that has received the recipient's account information Characterized in that it comprises transfer and reception means.

(3) Further, in the Internet banking server of (2) above, 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 according to (1), in the face-to-face sales at a store, the face authentication means is configured to use the face image of the recipient as the face image of a store clerk in the store It is also good.

(5) The Internet banking server according to (4) further includes an object image authentication unit that authenticates an image of an object unique to the store in place of the face image of the store clerk in the face-to-face sales at the store. It may be configured as follows.

(6) Also, in the Internet banking server described in (1), the payee terminal is a vending machine, and the account information of the vendor of the vending machine may be configured as the payee account information. Good.

(7) In the internet banking server according to any one of the above (1) to (6), the imaging means may be a smart phone or a tablet terminal possessed by the sender or the recipient, the sender or the recipient It may be configured as a smart glass worn by a person.

(8) In the third aspect of the present invention, the payment is made at the internet banking server of the financial institution that can connect to the sender terminal owned by the sender and the receiver terminal of the recipient who receives the remittance from the sender. The Internet banking server receives a face image of the recipient from the remitter terminal provided with an imaging means, and the received face image is a face registered with face authentication information. Checking the recipient with the authentication information database and performing face authentication of the recipient, and confirming with the recipient whether or not to transmit the account information of the recipient to the remitter terminal when the face authentication is established Sending an account information transmission availability confirmation notice to the payee terminal, and that the recipient who has received the account information transmission availability confirmation notice permits transmission of his 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) Further, according to a fourth aspect of the present invention, an internet banking server of a financial institution connectable to a sender terminal owned by a sender and a receiver terminal of a recipient who receives a remittance from the sender. And receiving the face image of the recipient from the sender terminal having the imaging means, collating 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 receiver, and an account information transmission availability confirmation notification for making the receiver confirm whether to transmit account information of the receiver to the remittance terminal when the face authentication is established Sending the account information to the payee terminal, and the payee's account information being transmitted in response to the payee having received the account information transmission availability confirmation notification permitting transmission of his own 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, in a face-to-face payment, the new structure which can remit by transfer operation from Internet banking can be provided.

It is a figure which shows the basic concept (service image) of "gaze and payment" which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the usage scene of "gaze and payment" which concerns on the 1st Embodiment of this invention. It is a figure showing functional composition of a "gaze and payment" system concerning a 1st embodiment of the present 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 decision | availability confirmation screen which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the receiver 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 "gaze and payment" which concerns on the 2nd Embodiment of this invention. It is a figure which shows the function structure of the "gaze and payment" system which concerns on the 2nd Embodiment of this invention. It is a figure which shows an example of the billing 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.

  Hereinafter, with reference to the accompanying drawings, modes (hereinafter, embodiments) for carrying out the present invention will be described in detail. In the following drawings, the same elements are denoted by the same reference numerals or symbols throughout the description of the embodiments. Further, in the functional configuration diagram, arrows between functional blocks indicate the flow direction of data or the flow direction of processing.

First Embodiment
(Basic concept)
FIG. 1 is a diagram showing a basic concept (service image) of "gaze and settle" according to the first embodiment of the present invention. "Gaze and settle" is a service that authenticates the other party as a remittee or recipient from the face image acquired by gazing at the other's face, and completes the settlement on the spot.

  The user (remittance person) of this service registers the face authentication information of the other party (recipient) of the remittance destination in advance when opening an account or changing the account at a financial institution such as a bank. The face authentication information is the face image of the other person taken with a smartphone or smart glass camera registered in the database as authentication information for face authentication. The face image taken here may include not only the face but also the body pose and gesture. The face image to be registered is stored as face authentication information in the system of the financial institution in association with the account information of the payee.

  When actually making a remittance, 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 it is smarter if performed from a smart glass. A smart glass is a wearable device that is used by being worn on the head like wearing glasses and equipped with a small camera and a small display.

  When the login is completed, the sender looks at the person (receiver) who is facing and sends a face image taken with a smartphone or smart glass camera 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 there is no registration of the beneficiary, it is possible to have the beneficiary enter account information and register on the spot if future relationship is expected. Here, the "face-to-face" mentioned here includes not only the case of directly facing the other party in front of the person, but also the case of meeting the other party at a remote place via a video transmission means such as a video telephone.

  Then, the server of the remitter's financial institution transmits a transmission availability confirmation asking for confirmation of whether the receiver's account information may be transmitted to the remitter to the receiver's smartphone or the like. The recipient who receives the transmission availability confirmation determines whether or not to disclose his account information, and when disclosing, notifies the server that transmission is possible. The server that has received this notification sends a confirmation notification to the sender this time. For example, a confirmation message such as “Is the recipient a Soken Hanako?” Is sent.

  The sender who has received the confirmation notice confirms that the beneficiary is correct and inputs the amount of money to send a remittance instruction. The server having received the remittance instruction accepts the remittance, and sends a remittance acceptance completion notification to both the sender and the receiver. Although the remittance instruction from the sender is the same as the remittance operation in the normal Internet banking, the remittance destination information is automatically input on the remittance screen when the confirmation notification is received.

  By doing this, the remittance person can acquire the transfer destination information simply by looking at the other party without having to search out the account information from the other party (recipient) who is facing and inputting it on the transfer screen, compared with the conventional case. Transfer can be done easily and smartly. In addition, the beneficiaries are always required to decide whether or not to transmit their account information to the sender, so that even if they are stared, their account information may be inadvertently transmitted to the other party. There is no.

  FIG. 2 shows an example of the actual use scene of the "gaze and settle" service, showing a scene of a relative when drinking with a colleague in a tavern. In such a scene, if you use "gaze and pay", you can make the settlement of the price smart. As other usage scenes of "gaze to settlement", scenes such as collection performed by a secretary of a banquet, remittance to a specific individual or a group sponsored by the individual, donation, donation, etc. can be considered.

(Functional configuration)
FIG. 3 is a diagram showing a functional configuration of the “gaze and settle” system according to the first embodiment of the present invention. In the "Gaze to Settlement" system (hereinafter referred to as the present system), the internet banking server (IB server 100; hereinafter sometimes simply referred to as a server) of the financial institution in which the sender holds an account is the Is communicably connected to the sender terminal 200 carried by the mobile phone and the payee terminal 210 carried by the recipient on the Internet by wireless communication. The remitter terminal 200 and the receiver terminal 210 may be a general smartphone, a tablet terminal, a smart glass (hereinafter, a smartphone or the like). The beneficiary does not have to have an account at the same financial institution as the sender.

  The remitter terminal 200 is assumed to be equipped with a camera (imaging means 201), and is provided with a face image transmission means 202 for transmitting the face image of the receiver taken by the imaging means 201 to the server. Further, the payee terminal 210 is provided with a transmission availability confirmation means 213 for confirming whether or not it is possible to transmit its account information to the remittance party. Note that the receiver terminal 210 may also be provided with an imaging unit 211 and a face image transmission unit 212, which are not used in the present embodiment.

  The transmission availability confirmation unit 213 also supports transmission and reception of SMS (Short Message Service) and E-mail that can transmit and receive the transmission availability confirmation notification from the server to the telephone number of the recipient registered in advance ((Multimedia Messaging Service) In response to the transmission availability confirmation notification, an account information transmission availability confirmation screen (see FIG. 5 described later) is generated and displayed in response to the transmission availability confirmation notification. The terminal 210 may not necessarily include the camera (imaging unit 211).

  Although not shown, the sender terminal 200 or the receiver terminal 210 may be provided with “searcher registration means” and “personal mode switching means”. With "searcher registration means", the person to be searched (the side to be stared) registers in advance the searcher (the side to look at), or the person to be searched (the side to look at) registers in advance the person to be searched (the side to be stared) It is a means to keep The registration period may be a predetermined period (temporary). After obtaining account information after registration, the registration may be temporarily canceled. By doing this, there is no fear that a stranger or the like can freely search for his / her account information (for which authentication is required).

  Further, the "individual mode switching means" is a means for switching the attribute (mode) of the person on whom the user is gazing. For example, when the acquaintance meets when working as an employee of the store, the individual mode switching means sets the other party to the “sales clerk mode”, and when the same acquaintance meets when not working, the individual mode switching means It has a function to switch the mode from its own terminal by setting the other party as the "personal mode". By doing this, it is possible to perform different authentication depending on the time and the scene even with the same party.

  The function blocks of the server are: 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 registered face images of the recipient, An account information DB 105 (account information database) storing account information, confirmation notification means 106, and remittance acceptance means 107 are provided.

  The user terminal communication unit 101 controls wireless communication on the Internet with the terminal of the user (here, the sender and the receiver). The face image receiving means 102 receives from the sender terminal 200 a face image obtained by imaging a receiver. The face authentication means 103 collates the received face image with the registered data in the face authentication information DB 104 for storing the face authentication information of the recipient registered in advance by the remitter, and the feature amounts of the face authentication information match. If there is data, it is determined that face authentication is established, and the account information of the recipient registered corresponding to the face authentication information is read out.

  FIG. 4 is a view showing a configuration example of data stored in the face authentication information DB 104. As shown in FIG. As illustrated, in the face authentication information DB 104, account information of the recipient (account holder, bank name, branch name, account number) is associated and stored for each face authentication information. In addition to the account information, notification addresses such as the phone number of the receiver's mobile terminal are associated with the face authentication information and registered, and an account information transmission availability confirmation notification is sent to this notification destination by SMS mail or the like. Ru.

  It is also possible to register multiple face authentication information for one recipient, and if multiple body poses and gestures that include face images are registered, the recipient may It becomes possible to designate separate receiving accounts by etc. For example, in the example of FIG. 4, since three poses are registered, it is possible to specify an account of bank A, bank B, bank C as a receiver by the pose of the receiver at face authentication. Further, it is possible to use a predetermined operation as a substitute for the second password and the second password at the time of executing the transfer. By doing this, more reliable face authentication is possible.

  It returns to the explanation of FIG. When the face authentication of the face authentication means 103 is established, the confirmation notification means 106 of the server transmits the above-mentioned remittance confirmation notice to the receiver terminal 210. At this time, the remittance availability confirmation notification may include the remittance account information read out from the account information DB 105.

  When the receiver terminal 210 receives the remittance confirmation notification, the transmission information confirmation unit 213 displays an account information transmission availability confirmation screen 300 as shown in FIG. 5 on the receiver terminal 210. When the receiver presses, for example, the transmission permission button 301 from this screen (in the case of a smart glass, it instructs by voice), the confirmation notification means 106 of the server is notified, and the confirmation notification means 106 is read by the face authentication means 103. The receiver's account information is included in the receiver's confirmation screen and transmitted to the sender terminal 200. An example of the receiver confirmation screen 400 at this time is shown in FIG. When the sender confirms that the recipient is correct and presses the confirmation button 401, the recipient's account information is transferred as the recipient information on the normal transfer screen of Internet banking. After that, the sender may enter the amount of money to be transferred and press the button to execute the transfer.

  The remittance acceptance means 107 of the server receives the remittance request from the remitter terminal 200 after the remittance person confirms the account information of the beneficiary, and accepts the request and sends it to the accounting system (not shown). Instruct the transfer of funds (transfer) from the account to the payee's account. Further, the remittance acceptance unit 107 instructs the confirmation notification unit 106 that the remittance acceptance has been completed, and the confirmation notification unit 106 that has received this instruction sends the remittance acceptance completion notification (transfer acceptance completion notification) to the remittance terminal 200. And a function of transmitting to the payee terminal 210.

  That is, when the face authentication of the recipient is established, the confirmation notification means 106 sends an account information transmission availability confirmation notification for making the receiver confirm whether or not to transmit the recipient's account information to the remittance terminal 200. Means for transmitting to the receiver terminal 210, and means for transmitting account information of the receiver to the remitter terminal 200 in response to the receiver receiving the account information transmission availability confirmation notification permitting transmission of the account information of the receiver. Combined with

  FIG. 7 summarizes the functions of the present system described above in the form of a flowchart in which the remitter terminal 200, the IB server 100, and the receiver terminal 210 cooperate. Although repeated explanation is omitted, in this flowchart, the processing order of each step may be interchanged 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. There are a case in which the recipient refuses to transmit the account information, and a case in which it is determined that the face authentication information is not registered. In the former case, the process of the sender terminal 200 ends, but in the latter case, it may be considered that the correct face image has not been transmitted, so the process returns to step S11 so that the recipient's face image can be captured again. You may

  The above-described functional configuration of the present system is merely an example, and one functional block (database and functional processing unit) may be divided, or a plurality of functional blocks may be collectively configured as one functional block. In each function processing unit, a central processing unit (CPU) incorporated in the apparatus reads a computer program stored in a storage device such as a read only memory (ROM), a flash memory, a solid state drive (SSD), or a hard disk. , By a computer program executed by the CPU. That is, each function processing unit reads and writes necessary data such as a table from a database (DB) stored in a storage device or a storage area on a memory, and in some cases, the computer program It is realized by controlling hardware (for example, an input / output device, a display device, a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but also means a mere collection of tables and files, and the internal structure of the database itself is not limited.

Second Embodiment
(Basic concept)
FIG. 8 is a diagram showing a basic concept (service image) of “gaze and settle” according to the second embodiment of the present invention. In the first embodiment, the remitter captures the face image of the receiver and the face authentication is performed. However, in the second embodiment, the receiver is the receiver of the remitter (requested person). A pattern for capturing a face image and performing face authentication will be described. As the usage scene, the beneficiary who is the secretary of the banquet asks the participant who happened to meet for the dues and request the liquidation, and the beneficiary is charged for the repayment of the money lent to the beneficiary. The scene, the face-to-face sales, the scene where the trader (recipient) charges the customer (remittance person) the commodity price, etc. can be considered.

  In the second embodiment, as shown in FIG. 8, first, a smartphone, a smart glass or the like carried by the recipient logs in to the Internet banking of the recipient's financial institution on which his account is located. Then, a face image captured by looking at the other party (the sender) is sent to the server of the recipient's financial institution. The imaging of the sender's face image and the Internet banking login may be reversed in order.

  The server of the recipient's financial institution collates the received face image with the data on the face authentication information DB to confirm the registration of the sender. Even if the sender is not registered, it may be possible to have the sender enter account information and register on the spot if future relationship is expected. When the registration is confirmed, the server of the payee's financial institution transmits the billing information, which is a remittance request, to the sender. The billing information may be obtained from a billing list previously generated by the payee.

  When the sender logs in to the Internet banking with his account, such as when verbally prompted by the recipient, the billing information from the recipient is displayed. The billing information may be notified separately by SMS mail or the like without logging in to the internet banking. If the sender confirms that the billing information is correct, it issues a remittance instruction (transfer instruction) from the internet banking of the financial institution with which it has an account. The sender's financial institution's server accepts this remittance instruction, and sends a remittance acceptance completion notice to the sender and the receiver.

  According to the above-described procedure, processing from billing to payment can be reliably performed. The main difference from the first embodiment is that the recipient does not have to log in to the Internet banking or take a face image of the sender, but does not need to determine whether the recipient can send or receive account information. It is. Since the sender only checks the billing information including the recipient's account information and transfers as it is, the trouble of the transfer is reduced. If the transfer time is reduced, early payment can also be expected.

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

  In the second embodiment, a receiver-side IB server 110 appears in addition to the sender-side IB server 100. Both servers can be connected to the remitter terminal 200 and the receiver terminal 210 and are functionally equivalent. However, in the second embodiment, the imaging unit 201 and the face image transmission unit 202 of the remitter terminal 200, and the face image reception unit 102, the face authentication unit 103, and the face authentication information DB 104 of the remitter side IB server 100 are actually used. Does not work (this is shown by the dotted lines in FIG. 9). On the other hand, in the receiver-side IB server 110, all the means related to face authentication described above function (however, the face authentication information of the sender (requested person) registered by the receiver is registered in the face authentication information DB 114). The remittance acceptance unit 107 does not function as in the case of the remitter's IB server 100.

  Further, in the receiver-side IB server 110, billing information generating means 118 is newly provided instead of the remittance receiving means 107. The billing information generation unit 118 extracts account information and billing amount for the remittance person whose face has been face-certified this time from the billing list generated by the recipient, generates billing information, and includes billing information via the confirmation notification unit 116. The billing information confirmation screen is transmitted to the remittance terminal 200. At this time, the same billing information confirmation screen may be transmitted to the receiver terminal 210, and the receiver may transmit the screen to the remitter terminal 200 after confirmation.

  In addition, as a modification of the second embodiment, if means for face authentication of the sender side IB server 100 is also made to function, in order to enhance security in important transactions, face images of the sender and the receiver may be used. It is also possible to add a mutual authentication function for mutual authentication. In this case, the imaging means 201, 211 are provided in both the remitter terminal 200 and the receiver terminal 210, transmit face images of the remitter and the receiver to the IB server on the opposite side, and face authentication of each IB server Means 103, 113 mutually authenticate the sender's face image and the receiver's face image. That is, in this embodiment, all the functional blocks in the dotted line part of FIG. 9 operate. In the case of mutual authentication, if the sender and the receiver associate their face image with their account information and register it in their financial institution, they do not have to register the other party's account information. Even for the first time in a meeting, you can "gaze and settle".

  For mutual authentication, the other party's still images (photographs) may be mutually photographed, and it may be determined whether or not the difference between the photographed times is shorter than a predetermined time. Alternatively, the moving pictures (videos) of the other parties may be photographed mutually, and it may be judged whether the photographing time includes the same time. For example, in the case of a still image, if the time when shooting each other is within about 10 to 20 seconds, it can be determined as an image when facing the same place at the same time. Further, in the case of a moving image, if the shooting times of the respective images overlap with each other, it can be determined as an image at the same place and the same time. By doing this, the security at mutual authentication can be further enhanced.

  In the above functional block diagram, including the case of adding the function of mutual authentication, the remitter side IB server 100 and the receiver side IB server 110 are provided with means for face authentication, but financial institutions jointly A face recognition center may be established to make the face recognition function independent.

  FIG. 10 is a diagram showing an example of the billing information confirmation screen. On the billing information confirmation screen 500 shown in the figure, the sender confirms that there is no error in the account information of the payee and the billed amount, and presses the pay button 501, the payee's account information and Since the transfer amount is automatically transcribed, the transfer instruction can be given as it is. If the user does not accept the request, pressing the Reject button 502 sends a request for refusal to the payee terminal 210.

  FIG. 11 shows the functions of the system according to the second embodiment described above, the receiver terminal 210, the IB server 110 of the receiver-side financial institution, the sender terminal 200, and the IB server 100 of the sender-side financial institution. The cooperation process of is summarized in the form of a flowchart. Also in this flowchart, as long as the processing order of the steps may be interchanged, as in the case of FIG. 7, as long as the relationship between the input and the output of each step is not impaired.

<Other Embodiments>
In the first and second embodiments described above, banks are mainly assumed as the financial institutions, but the present invention can be applied to other credit institutions such as credit card companies and securities companies. In particular, in the case of a financial institution other than a bank, it can be applied to face-to-face sales at a member store by allowing a credit card company to manage member's face identification information and member store's face identification information. For example, when the customer holds a plurality of credit cards, it is also possible to specify a credit card to be used according to the pose at the time of face authentication. Since the face of the store clerk can also be face-authenticated, it also prevents fraud. In addition, as an example of another financial institution, in a personal finance company, it can be applied to face authentication at the time of authenticating a customer at a store, and face authentication at which a customer authenticates a store clerk.

  The present invention also allows other applications in point-of-sale in-store sales. There, instead of using the face image of the store clerk as authentication information, a store-specific object that can be located in the store and can identify the store (for example, a signboard of a store name or a figurine that has traditionally been placed in the store as a store symbol) Etc.) may be used as shop authentication information. Even if the member does not possess a debit card or the like at the store, the member can “certify” the store by taking an image of an object unique to the store and transfer it to the account of the store by Internet banking. It becomes.

  The present invention is also applicable to face recognition in a vending machine. That is, the face image of the user and the account information are registered in the financial institution server where the vendor account of the vending machine is located. This is particularly effective in vending machines for alcohol and tobacco that require age confirmation. In this case, the vending machine provided with the imaging means is the payee terminal, and the account information of the vending machine vendor is the payee account information. The vending machine automatically checks whether the account information can be sent or not. In this way, even if the user does not have cash, a credit card, etc., it is possible to pay for the product purchased by the vending machine by the transfer of the Internet banking.

  In addition, the user may use an image (may be a panel for identifying the vending machine or a barcode for identification) of an object unique to the vending machine frequently used as the object authentication information instead of the face authentication information of the recipient. It can be registered with the financial institution together with the vendor account information of the vending machine. At this time, if object authentication and user's face authentication are combined to perform mutual authentication, unauthorized purchase can be further prevented.

(Effect of the embodiment)
According to this system, firstly, in face-to-face settlement, it is possible to provide a new mechanism capable of remittance by the operation from the internet banking. By performing face authentication using a face image captured by the sender looking at the recipient, the sender's account information can be acquired without asking the recipient for information on the payee. Therefore, even if you do not have cash, you can easily transfer money via the Internet. In addition, since the recipient confirms whether the account information can be sent to the sender, the account information is not sent just by looking at it.

  Second, when the beneficiary bills the remittance party (billee), the beneficiary can easily make a claim by face recognition using a face image captured by the beneficiary at the remittee. The sender can pay for the bill without asking the recipient for the information on the payee.

  Third, the sender and the receiver can mutually authenticate each other to provide a safer payment system.

  Fourth, in face-to-face sales at a storefront, since the store's account information can be obtained by authenticating the face of the store clerk, it is possible to pay the commodity price by transfer from the Internet. It can also be a means of deterring store clerk errors and fraud.

  Fifth, in face-to-face sales at a store, it is possible to obtain account information of the store by authenticating an object unique to the store instead of face authentication, so it is necessary to pay the commodity price by transfer from the Internet it can.

  Sixth, in the case of commodity purchase at a vending machine, the vending machine itself can be used as a payee terminal to acquire account information of the vending machine vendor. By doing this, it is possible to pay for the goods by transfer from the Internet, even if you do not have cash or credit cards.

  Seventh, means for capturing a face image can be smart glasses as well as general smartphones and tablet terminals, and in particular, using a smart glass, it is possible to naturally capture the other's face image.

  As mentioned above, although the present invention was explained using an embodiment, it is needless to say that the technical scope of the present invention is not limited to the range given in the above-mentioned embodiment. It is apparent to those skilled in the art that various changes or modifications can be added to the above embodiment. It is also apparent from the scope of the claims that the embodiments added with such alterations or improvements can be included in the technical scope of the present invention. In the above embodiment, the present invention has been described as an Internet banking server that processes "gaze and settle" as an invention of a product, but the present invention can also be grasped as an invention of a method or an invention of a program. .

DESCRIPTION OF SYMBOLS 100 Render side IB server 110 Recipient side IB server 101, 111 User terminal communication means 102, 112 Face image reception 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 sender terminal 210 receiver 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 owned by a sender and a receiver terminal of a recipient who receives a remittance from the sender,
Face image receiving means for receiving a face image of the recipient from the sender terminal provided with an imaging means;
Face authentication means for performing face authentication of the recipient by collating the received face image with a face authentication information database in which face authentication information is registered;
Means for transmitting to the payee terminal an account information transmission enable / disable notice that causes the payee to confirm whether the payee's account information is to be sent to the remitter terminal when the face authentication is established;
Means for transmitting the account information of the beneficiary to the remittance terminal in response to the recipient having received the account information transmission availability confirmation notification permitting transmission of his / her account information;
Remittance acceptance means for accepting a remittance instruction from a remittance terminal that has received the account information of the beneficiary;
An internet banking server comprising: An internet banking server of a sender's side and a recipient's financial institution, which can be connected to a sender's terminal owned by a sender and a receiver's receiver's terminal for receiving a remittance from the sender,
The payee's financial institution's Internet banking server,
Face image receiving means for receiving a face image of the sender from the receiver terminal provided with an imaging means;
Face authentication means for performing face authentication of the remitter by collating the received face image with a face authentication information database in which face authentication information is registered;
Means for transmitting account information of the beneficiary to the remitter terminal when the face authentication is established;
The internet banking server of the financial institution at the sender side,
Remittance acceptance means for accepting a remittance instruction from a remittance terminal that has received the account information of the beneficiary;
An internet banking server comprising:   The imaging means is provided in both the sender terminal and the receiver terminal, and the face authentication means of the internet banking server on the sender side and the receiver side includes the face image of the sender and the receiver. The internet banking server according to claim 2, characterized in that 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 storefront, the face authentication means uses a face image of the recipient as a face image of a store clerk in a store.   5. The Internet banking server according to claim 4, further comprising an object image authentication unit that authenticates an image of an object unique to the store as a substitute for a face image of the store clerk in the face-to-face sale at the store.   The internet banking server according to claim 1, wherein the payee terminal is a vending machine, and uses account information of a vendor of the vending machine as the payee account information.   The image pickup means is a smart phone or a tablet terminal possessed by the sender or the receiver, or a smart glass worn by the sender or the receiver. Internet banking server described in. A method of settlement in an internet banking server of a financial institution connectable to a sender terminal owned by a sender and a receiver terminal of a recipient who receives a remittance from the sender.
The internet banking server is
Receiving a face image of the recipient from the sender terminal comprising imaging means;
Checking the received face image against a face authentication information database in which face authentication information is registered to perform face authentication of the recipient;
Sending to the payee terminal an account information transmission affirmation confirmation to make the payee confirm whether the payee's account information is to be sent to the remitter terminal when the face authentication is established;
Transmitting the account information of the beneficiary to the remittance terminal in response to the recipient having received the account information transmission availability confirmation notification permitting transmission of the account information of the account;
Accepting a remittance instruction from the sender terminal that has received the account information of the beneficiary;
A method characterized by performing. A program in an internet banking server of a financial institution which can be connected to a sender terminal owned by a sender and a receiver terminal of a recipient who receives a remittance from the sender.
Receiving a face image of the recipient from the sender terminal comprising imaging means;
Checking the received face image against a face authentication information database in which face authentication information is registered to perform face authentication of the recipient;
Sending to the payee terminal an account information transmission affirmation confirmation to make the payee confirm whether the payee's account information is to be sent to the remitter terminal when the face authentication is established;
Transmitting the account information of the beneficiary to the remittance terminal in response to the recipient having received the account information transmission availability confirmation notification permitting transmission of the account information of the account;
Accepting a remittance instruction from the sender terminal that has received the account information of the beneficiary;
A program characterized by causing a computer to execute.

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