JP2001167164A - Automatic contract receiving device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To mentally suppress illegal contracts by an applicant by photographing a face, authenticating an individual and examining qualification in the process of individual examinations and issuing a contract where a face image by the photo is printed. SOLUTION: This automatic contract receiving device 1 is provided with a processing part 2 for reading examination documents, performing face photographing and examinations through screen display and processing and controlling the preparation and output of the contract where the face image is printed and a loan card, an image input part 3 for controlling a human body camera 6 for face photographing and a document read part 7, a guidance input/ output part 4 for processing and controlling a display part 8 with a touch panel for inputting the display of an examination guidance and responses by the touch panel and the speaker 9 of voice guidance and a print output part 5 for processing and controlling the contract issuance part 10 of the contract where the face image is printed and a loan card issuance part 11 for issuing the loan card.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic contract receiving apparatus used for a new contract in the consumer finance business, and more particularly, to a contract in which a face image of a subscriber is printed to prevent a fraudulent contract. Automatic contract acceptance device.

[0002]

2. Description of the Related Art A face photograph is attached to an application form for issuing or renewing a car driver's license, and it is confirmed in person that the applicant is himself. Similarly, Japanese Patent Application Laid-Open No. 8-282153 describes an application slip having a portion for attaching a face photograph to an application form for applying for a passbook, a cash card, or a credit card with a facial photograph. According to this publication, a photo prepared in advance is attached to an application form, and matching between the customer's attribute information described in the application form and the customer is ensured. However, when a contract procedure is faced in response to a customer's contract application, it is possible to examine whether or not the attribute information described in the application document of the applicant matches the principal. However, if the contract is not a face-to-face contract, it is not possible to judge that the applicant is the person himself / herself by using only the application with a facial photograph.

According to Japanese Patent Application Laid-Open No. H11-232345, a system for automatically issuing an application form describes taking a face photograph with a digital camera when accepting an application form in which personal information is entered. I have. This is to record the portrait of the customer in a hidden manner, and as a face photograph for identifying the person, the photograph is taken at an inappropriate angle and may not be suitable for personal authentication.

[0004]

The conventional person photographing is a so-called covert photograph, and the customer is not always facing the front of the person camera, and the photograph of the driver's license is compared with the person camera image. May not be possible. Also, in order to judge whether or not the person's face is the same as that of the driver's license, it is necessary to take the photograph as a proof face photograph.

[0005] In the automatic contract receiving apparatus, a customer sits in front of the apparatus and, as a contract application operation, firstly, causes the apparatus to read a prepared contract application form. After that, they are required to submit official identification documents such as a driver's license, ask questions via the display screen, and verify their identity and qualify. In the examination process, a procedure for taking a photograph of the person's face is included, and the subject is made aware of the photographing of the person's face. Therefore, as a part of the application process, the photographer's face photo will be taken as a part of the application process,
The photographed face will be used to obtain a certificate face photo that will be useful for personal identification.

[0006] An object of the present invention is to provide an automatic contract application device, in which a photograph of a face is taken in the process of personal identification, an identification check is performed on the photograph, and the photograph is stored to psychologically inform the applicant of an unauthorized contract. Is to suppress it.

[0007]

SUMMARY OF THE INVENTION Therefore, according to the present invention,
A person camera that takes a photo of the new subscriber's certificate in an automatic contract acceptance device that examines the subscriber based on the contract application form and submission documents created by the new subscriber and performs a procedure for signing a subscription contract; A contract issuing unit that issues a contract in which the certificate face photograph is image-printed, an audio speaker that guides the subscriber to take a certificate face photograph,
It is characterized by having.

[0008] Further, the person camera is characterized in that it is installed at a position where the face of the subscriber is photographed from the front by exposing the lens portion.

Further, the automatic contract receiving apparatus has a document reading unit for reading the contract application form and public identification documents.

Further, the automatic contract receiving apparatus has a display unit with a touch panel for displaying guidance for judging a new subscriber and performing an input operation.

Further, the automatic contract receiving apparatus has a card issuing unit for issuing a loan card to a subscriber who has issued the contract.

[0012] Further, the public identification documents are characterized by a car driver's license, a government-issued passport, a resident's card, and a health insurance card.

[0013]

Next, an embodiment of the present invention will be described with reference to the drawings. Referring to FIG. 1 showing the configuration of the embodiment, the automatic contract accepting apparatus 1 reads the examination document submitted by the applicant, performs face photographing and examination guidance and questions to the applicant through a screen display, A processing unit 2 that prints a face image of the person and processes and controls the creation and output of a self-signed contract and a loan card; a person camera 6 that photographs a face photograph; and a document reading unit 7 that reads an examination document to control image data. Input unit 3 for passing the information to the processing unit 2, a display unit 8 with a touch panel for displaying guidance of a question for personal examination to the applicant, and inputting a response to the question via a touch panel, and a speaker 9 for outputting the guidance by voice output. Input / output unit 4 for processing and controlling the contract, and contract issuing unit 1 for printing the face image
0 and loan card issuing department 1 that issues loan cards
And a print output unit 5 that controls the processing of the print data.

FIG. 3 showing the appearance of the automatic contract receiving apparatus 1.
, A display unit 8 with a touch panel and a voice guidance speaker 9 are provided on the front panel facing the applicant, and a guidance screen for displaying the question and answer of the personal examination is provided. A person camera 8 for photographing with guidance is provided in front of the applicant's face.

Referring to FIG. 2 showing a procedure for accepting a contract using the automatic contract receiving apparatus, the applicant sits facing the front panel of the automatic contract receiving apparatus 1 and reads the contract application form into the document reading section 7. (Step 21). Display unit 8 with touch panel and speaker 9
The photographer outputs a guide for photographing, and the applicant gazes at the lens of the front person camera 6 to take a photograph (step 2).
2). The applicant makes the document reading unit 7 read the document for examination according to the guidance output to the display unit 8 with a touch panel and the speaker 9 (step 2).
3). Based on the contract application form and the submitted documents, a question for contract examination is displayed to the applicant on the display unit 8 with a touch panel, and the applicant responds through the touch panel to perform personal authentication and eligibility examination (step 24). When there is no suspicious point in the examination, a contract in which the face image of the photographed face photograph and the contract provisions are printed is output from the contract issuing unit 5 (step 25). The applicant signs the contract (step 26). The applicant causes the document reading unit 7 to read the signed contract (step 27). The processing unit 2 of the automatic contract receiving apparatus 1 issues a contract from the contract issuing unit 10 and issues a loan card from the loan card issuing unit 11 based on the self-signed contract (step 28).

Referring to FIG. 4 showing the format of the contract, the contract 40 includes a contract statement 41, a self-signed signature 42,
The contractor's face image 43 is printed and the contract issuing unit 5
Output from

[0017]

The first effect of the present invention is that a person image is printed on a contract, so that an unauthorized contract with forged personal certificates can be prevented.

The second effect is that since the photographer is aware of the photograph and takes the photograph as a proof photograph, a reliable photograph for the face can be obtained.
Personal authentication can be performed accurately.

The third effect is that the customer himself / herself can take a photo of the face for the certificate and be made conscious that the contracted party keeps the photo of the face, so that the illegal behavior of the customer can be suppressed psychologically. I do.

[Brief description of the drawings]

FIG. 1 is a diagram showing an embodiment of the present invention.

FIG. 2 is a diagram showing an arrangement of a front panel of the automatic contract receiving apparatus of the present invention.

FIG. 3 is a diagram showing a procedure from a contract application to a contract and a loan card issuance in this embodiment.

FIG. 4 is a diagram showing a format of a contract.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic contract receiving apparatus 2 Processing part 3 Image input part 4 Guidance input / output part 5 Print output part 6 People camera 7 Document reading part 8 Display part with touch panel 9 Speaker 10 Contract issuing part 11 Loan card issuing part

Claims (6)

[Claims] Claims: 1. An automatic contract accepting device that examines a subscriber based on a contract application form and a document submitted by a new subscriber and performs a procedure for signing a subscription, and takes a photograph of a face for a certificate of the new subscriber. A person camera, a contract issuance unit that issues a contract in which the certificate face photo is printed, and an audio speaker that guides the subscriber to take a certificate face photo. Automatic contract acceptance device. 2. The automatic contract accepting apparatus according to claim 1, wherein the person camera is installed at a position where the person's face is photographed from the front while exposing a lens portion. 3. The automatic contract receiving apparatus according to claim 1, wherein the automatic contract receiving apparatus includes a document reading unit that reads the contract application form and official identification documents. 4. The automatic contract receiving apparatus according to claim 1, wherein the automatic contract receiving apparatus has a display unit with a touch panel for displaying guidance for judging a new subscriber and performing an input operation on the touch panel. 5. The automatic contract receiving apparatus according to claim 1, wherein the automatic contract receiving apparatus has a card issuing unit for issuing a loan card to a subscriber who has issued the contract. 6. The automatic contract accepting device according to claim 3, wherein the official identification documents indicate a driver's license, a government-issued passport, a resident's card, and a health insurance card.