JP2002092617A - Seal impression registration-collation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a registration-collation system for positively and automatically determining the collation of a seal impression to reduce an operator's burden. SOLUTION: This system is provided with a collation/registration device 5 for automatically collating collated mark data and registered mark data to compute a collation rate and determining the print of a seal by the same seal impression if the collation rate is a predetermined coincidence rate or more.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a seal registration / collation system for a financial institution or the like.

[0002]

[Prior Art] At financial institutions, deposit refunds, bills,
In the check / fund transfer request form, seal verification is performed to confirm the identity. In addition, as a premise, the customer registers in advance a seal to be compared when performing collation by sending a seal seal notification.

[0003] When performing seal verification, the registered seal (hereinafter referred to as a registered seal) is the actual seal imprint stamped on the seal stamp submitted at the time of notification of the seal stamp, and the seal imprint stamped on the seal stamp. The image data converted into electronic data (digital data) is displayed on a display unit, or the image data in which a seal is printed based on the image data is used. Further, as the to-be-verified mark, a mark (a stamp) stamped on a sheet (form) or image data obtained by converting the stamp imprinted on a sheet into electronic data and displayed on a display unit is used. Then, it is determined whether or not the registered seal and the verified seal are the same by a human (hereinafter, referred to as “the registered seal”).
Operator).

[0004] For example, a dedicated device for collating a seal (hereinafter referred to as a seal collation device) is based on image data obtained by digitizing the seal imprint of a registered seal and image data digitizing the seal imprint of the mark to be verified. There is also a method of creating image data in which respective imprints are superimposed and displaying the image data on a display unit. However, even in this case, the operator determines whether or not the registered seal and the collated seal are the same.

[0005]

As described above, the above methods require the operator to determine whether or not they are the same. The judgment depends on the skill of the operator. Moreover, the criterion is not always constant, and is not accurate. here,
There is a seal registration / collation device that automatically performs this seal registration / collation work using a machine. However, even in this case, image data of the seal to be verified and the seal imprint of the registered seal are displayed, or both seals are displayed. It is the operator who makes the final decision.

In addition, according to the conventional method, only image data of the imprint of the collation target mark can be digitized among the items written on the paper. Therefore, it is necessary to re-enter information (store number, subject, account number, etc.) written on the paper, which is a search key (keyword, key number) when searching for a registered seal. Therefore, the input load on the operator increases. In addition, a format (cutout range) in which the imprint of the collation target mark is used as image data must be created for each sheet (each customer). In addition, recently, measures to prevent fraud by color copying of slips and the like have been required.

[0007] Therefore, it has been desired to realize a registration / collation system that can reduce the burden on the operator and can reliably and automatically make the seal collation judgment.

[0008]

A seal registration / collation system according to the invention of the present application automatically collates at least image data of a seal imprint of a mark to be collated with image data of a seal imprint of a registered seal to obtain a collation rate. Is calculated, and if the matching rate is equal to or higher than a predetermined matching rate, a matching means for determining that the seal is a seal imprint by the same seal is provided. In the present invention, the collating means comprises:
The image data of the seal imprint of the mark to be verified and the image data of the seal imprint of the registration mark are automatically collated to calculate a collation rate. If it is determined that the match rate is equal to or greater than the predetermined match rate,
It is automatically determined that the reference mark and the registration mark are the same mark.

Further, the seal registration / collation system according to the invention of the present application describes at least a paper stamped with a registration mark or a mark to be collated based on image data obtained by optically reading and converting into digital data. There is provided registration / collation preparation means for recognizing the converted character, converting the character into recognized character data, and cutting out the image data of the imprint portion of the registration mark or the mark to be verified. In the present invention, the registration / collation preparation means recognizes a character written on a sheet based on the image data of the stamped sheet and automatically converts the character into recognized character data. Further, the image data of the imprint part of the registration mark or the collation target mark is automatically cut out.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 FIG. FIG. 1 shows the first embodiment of the present invention.
1 is a diagram illustrating a configuration of a system including a seal verification device according to an embodiment. FIG. In FIG. 1, 1 is a bill / check /
It is a centralized center / office where a system for performing seal verification / data entry (seal registration) of a bank transfer request form and the like is provided. The paper with the seal imprinted thereon, such as a bill / check / fund transfer request form, is sent from the clearing house, the contractor of each contractor, etc., to the centralized center / business office 1 by e-mail, mail, carry-in, or the like. Reference numeral 2 denotes a form reading device represented by, for example, an image scanner, a camera, and the like. The form reading device 2 converts the imaged paper into image data. Reference numeral 3 denotes an input client device having an OCR (Optical Character Reader) function and serving as a registration / collation preparation unit. The input client device 3 is based on image data, and includes data such as characters serving as search keys such as a store number, a subject, and an account number written on paper (hereinafter referred to as search key data).
Recognize. In addition, image data (hereinafter, referred to as collated mark data) of the imprint portion of the collated mark is generated (cut out). Reference numeral 4 denotes a file server. The file server 4 has a seal stamp database in which image data of a registered seal imprint (hereinafter referred to as registered seal data) and a search key are stored (registered) in association with each other. 5 is a collation / registration device. When performing collation, the registered data is extracted from the seal stamp database based on the search key data, and collated with the collated stamp data. When registering the seal, the search key and the registered seal data are associated with each other and stored in the seal database of the file server 4. Reference numeral 6 denotes a correction client device. The correction client device 6 is a device for the operator to perform the same collation work as before when the collation / registration device 5 performs collation and the collation rate is smaller than a predetermined value. Reference numeral 7 denotes a management client device. The management client device 7 is a device for instructing the collation / registration device 5 such as setting. Reference numeral 8 denotes a network line through which each device exchanges data.

In the present embodiment, a seal verification is automatically performed. For this purpose, first, among the image data converted by the form reading device 2, the concavity and convexity of the imprint portion (verified seal data) is determined, and it is determined whether or not the data is not a color copy. In addition, it recognizes a character serving as search key data, searches for a registered seal, and collates it. If the collation rate as a collation result is a value equal to or greater than a value uniquely or arbitrarily determined, it is determined that the same seal is used. Conventionally, seal verification, which had to rely on human skill, can be performed automatically, so that the time required for verification work can be reduced. In addition, it is possible to suppress a variation in determination of whether or not the seals are the same. Moreover,
The input client device 3 performs character recognition on the information (store number, subject, account number, etc.) written on the paper to generate search key data, and uses the input client device 3 as a search key to retrieve the corresponding registered seal data from the seal stamp database. Therefore, there is no need for the operator to re-enter the search key.

FIG. 2 is a diagram showing the collation processing operation of the system. The collation processing operation will be described based on FIG.
The matching rate is set from the management client device 7 to the collation / registration device 5. This matching rate can be set, for example, for all imprints, or can be set separately for branches, customers, and the like (S21). The stamped paper, such as a bill / check / fund transfer request, is a form reader 2
Is input to The form reading device 2 optically reads a sheet and converts it into image data which is electronic data (S2).
2). The converted image data is transmitted to the input client device 3. The input client device 3 generates collation mark data (cuts out) based on the image data. When cutting out, for example, it is determined whether or not the color is the imprinted portion of the collation target mark with the color of vermilion as a boundary. Further, character recognition is performed to generate search key data (S23). Here, if it is determined that the generation of the collated stamp data and the generation of the search key data have failed,
The image data transmitted from the input client device 3 is transmitted to the correction client device 6 (S26). And
The collation is performed by the judgment of the operator. Here, for example, when a transfer request or the like is made by an IC card or the like, these operations do not need to be performed because the to-be-verified seal mark data and the search key data are recorded in the IC card.

The generated collation target mark data and search key data are transmitted to the collation / registration device 5. The collation / registration device 5 transmits the search key data to the file server 4,
An inquiry is made as to whether a registered seal based on the search key data is stored (S24). The file server 4 determines whether or not the seal is registered in the seal database (the registered seal data and the search key are stored) based on the search key data. File server 4
Determines that the seal registration is stored, transmits the registered seal data to the verification / registration device 5 (S2).
5). Here, when it is determined that the registration mark data is not stored, the collation target mark data and the search key data are transmitted to the correction client device 6, and the collation is performed by the judgment of the operator (S26).

The collation / registration device 5 first determines the unevenness of the image based on the collation mark data, and determines whether the imprint is, for example, copied (copied). Then, when it is determined that the imprint is genuine (true), the respective imprints are collated based on the registered seal data and the to-be-verified seal data. The matching method is
For example, the registration mark data and the collation mark data are binarized and divided into the imprint part and the non-imprint part based on the color of vermilion or the like, and the number of dots in the part having the same value when they are superimposed. There is a method of calculating and comparing the ratio of the two. There are a plurality of other methods (algorithms), but any method may be used.

Then, based on the collation, the degree of coincidence between the seal imprint of the registered mark and the seal imprint of the collated mark is calculated as a collation rate. If they completely match, the collation rate is 100
%. If the matching rate is equal to or higher than the set matching rate, the matching / registering apparatus 5 determines that the registered seal and the checked seal are imprints by the same seal, and determines the matching result O.D. K. Is transmitted to the operator to display the message. In some cases, there may be a plurality of registered seals (for example, an agent, an old seal, etc.) for one account or the like. In this case, the matching is performed until the matching rate with the data of a certain registered seal becomes equal to or higher than the matching rate.

If the matching rate is smaller than the matching rate,
The data to be verified, the registered data, and the search key data are transmitted to the correction client device 6. Then, the collation is performed by the judgment of the operator (S26). Here, when there are a plurality of registered stamps for one account, for a registered stamp whose matching rate is equal to or higher than the matching rate,
When performing the next collation, the collation may be preferentially performed. Alternatively, the number of times the matching rate becomes equal to or higher than the matching rate may be counted for each registered seal, and the priority of the matching may be determined according to the number of times. This is because the frequency of use of the seal can be estimated from the number of times the matching rate becomes equal to or higher than the matching rate.

As described above, according to the first embodiment,
The collation / registration device 5 collates the collated seal data with the registered seal data to calculate a collation rate. If the collation rate is equal to or higher than a predetermined coincidence rate, the collation / registration apparatus 5 determines that the seal is imprinted by the same seal. It is possible to automate seal verification.
In addition, the input client device 3 generates registration stamp data and search key data based on the image data, and the collation / registration device 5 extracts the registration stamp data from the seal stamp database based on the search key data. Thereby, it is possible to perform the seal verification completely automatically. Therefore, it is not necessary to particularly require an operator. In addition, since the matching rate can be freely set, automation can be performed while ensuring the security of the collation work.
In some cases, the operator must make a final decision on collation, but in such a case, it is convenient to use the collation rate as a reference value. Further, by using the collation rate as a reference value, it is possible to cover the skill level of the operator. Also, since it is determined whether there is an uneven portion, it is possible to determine whether the image is a fake or a genuine one by color copying.

Embodiment 2 FIG. FIG. 3 is a diagram illustrating a registration processing operation of the system according to the second embodiment of the present invention. Since the configuration of the system is not particularly different from FIG. 1, FIG. 1 will be used. First, a seal stamp stamping a seal to be registered is input to the form reading device 2. The form reading device 2 optically reads the seal stamp and converts it into image data which is electronic data (S31). The converted image data is transmitted to the input client device 3. The input client device 3 generates registration mark data based on the image data, as in the first embodiment. When cutting out, for example, it is determined whether or not the color is the imprinted portion of the collation target mark with the color of vermilion as a boundary. Further, character recognition is performed, and search key data is also generated (S32). If it is determined that the registration mark data and the search key data cannot be generated, the input client device 3
Is transmitted to the correction client device 6. Then, the collation is performed by the judgment of the operator (S36).

The generated registration mark data and search key data are transmitted to the verification / registration device 5. The collation / registration device 5 first determines the unevenness of the image based on the registered seal data, and determines whether the imprint is, for example, copied (copied) (S33). And
If it is determined that the imprint is genuine (true), then it is determined whether or not the registered seal data is stored in the seal database (S34). If it is determined that it has not been saved, the registration stamp data and the search key are associated with each other and saved (registered) in the seal stamp database (S35). Here, when it is determined that the data is stored, the correction client device 6
The registration stamp data and the search key data are transmitted to the user, and the registration work is performed by the judgment of the operator. Also, IC
When recording (registering) on the card, the data is transmitted to, for example, the correction client device 6 so that the operator performs the registration work (S36).

As described above, according to the second embodiment,
Based on the image data of the seal stamp converted by the form reading device 2, the input client device 3 generates registration mark data and search key data, and whether the collation / registration device 5 is genuine or has been registered. Since it is possible to automatically perform these processes of making a determination as to whether or not to register them in the seal stamp database, it is possible to reduce the burden of the registration work of the operator.

Embodiment 3 FIG. In the first embodiment, when the registered seal data to be compared with the to-be-checked seal data is not stored in the seal stamp database, the data is transmitted to the correction client device 6 to make an operator's judgment.
This may be registered and stored in the seal stamp database, for example, with the collated seal data as registered seal data.

Embodiment 4 FIG. In the first embodiment,
He mentioned that there are multiple matching methods. Therefore, the collation rate is calculated using a plurality of collation methods, and it is determined whether or not the seals are the same based on the collation rate.
The accuracy may be increased.

Embodiment 5 In the first embodiment, the description has been given on the premise that the collation processing is performed on the seal imprinted on one sheet of paper. However, the present invention is not limited to this. For example, the form reading device 2 collectively captures a plurality of images and converts them into image data. Then, the input client device 3 collectively generates the to-be-verified seal mark data and the search key data with respect to the converted image data,
The registration / collation device 5 may make a collective determination. Further, each device may perform each operation in parallel.

Embodiment 6 In the first embodiment, when a plurality of registered seals (for example, an agent, an old seal, etc.) exist for one account, the matching rate with the data of a certain registered seal becomes equal to or higher than the matching rate. I tried to match,
For example, the collation rate may be calculated for all the registered mark data and displayed in descending order of the collation rate.

Embodiment 7 In the above embodiment, the entire system has been described, but the present invention is not limited to this. For example, as in the input client device 3 of the present system, only the function of generating collation target data and search key data and the function of retrieving registration seal data, which is one of the functions of the registration / collation device 5, are used. It may be. In this case, the operator makes a determination based on the registered seal data and the collated seal data, for example, by a seal imprint superimposed and displayed on the screen as in the related art. In this case, the different portion and the matching portion may be displayed in different colors. In addition, although the collation is performed automatically, the collation rate may be displayed as a reference value for the judgment of the operator. Then, it may be possible to select whether or not to perform automatic matching. For display to an operator, a high-resolution (200 to 300 (dpi)) liquid crystal display device is appropriate. Further, in the above-described embodiment, the system is configured by devices based on the respective functions. The system can be configured by integrating the functions of the input client device 3, the registration / collation device 5, the correction client device 6, and the management client device 7. Thus, the scale of the system may be determined based on the processing capacity and the like.

Embodiment 8 FIG. In the above-described embodiment, the form reading device 2 is installed in the centralized center / office 1, but
The present invention is not limited to this, and the location is not particularly limited. The same applies to other devices.

Embodiment 9 In the above embodiment, the storage of the registered seal data is described as the seal database in the file server 4. However, the stored seal data may be stored in an IC card and collation may be performed.

Embodiment 10 FIG. In the above-described embodiment, the seal used in the Eastern culture is described as an example. However, the present invention can be similarly applied to a signature used in the Western culture.

[0029]

As described above, according to the invention of the present application, the collation means automatically collates the image data of the seal imprint of the mark to be collated with the image data of the seal imprint of the registered seal to calculate the collation rate. When it is determined that the matching rate is equal to or higher than the matching rate, the mark to be verified and the registration mark are automatically determined to be the same mark, so that the seal verification can be automated. Further, even when the operator makes a final decision, the calculated collation rate can be used as a reference value. Therefore, it is possible to cover even an unskilled operator.

According to the invention of the present application, the registration / collation preparation means recognizes a character written on a sheet based on the image data of the stamped sheet and automatically converts the character into recognized character data. Since the image data of the imprint part of the registration mark or the collation mark is automatically cut out, these operations can be automated, and the time for the registration and collation work can be reduced.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a configuration of a system including a seal verification device according to a first embodiment of the present invention.

FIG. 2 is a diagram illustrating a collation processing operation of the system.

FIG. 3 is a diagram illustrating a registration processing operation of a system according to a second embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Centralized center / branch office 2 Report reader 3 Input client device 4 File server 5 Collation / registration device 6 Correction client device 7 Management client device 8 Network line

Claims (17)

[Claims] At least, the image data of the seal imprint of the mark to be verified and the image data of the seal imprint of the registration mark are automatically collated to calculate a collation rate. A seal registration / collation system characterized by comprising a collation means for judging that the seal is a seal imprint. 2. At least based on image data obtained by optically reading a paper stamped with a registration mark or a mark to be verified and converting the data into digital data, a character written on the paper is recognized and converted into recognized character data. In addition, the registration / cut out of the image data of the imprint part of the registration mark or the mark to be verified
A seal registration / collation system comprising collation preparation means. 3. A reading means for optically reading a sheet on which a check mark is imprinted and converting the sheet into digital image data, and recognizing a character written on the sheet based on the image data. A collation preparation unit that converts the image data of the seal imprint of the mark to be collated, and extracts the image data of the seal imprint of the registered mark based on the recognized character data; A seal registration / collation system, comprising: a collation unit that computes a collation rate by collating with image data, and if the coincidence rate is equal to or greater than a predetermined coincidence rate, determines that the seal is an imprint using the same seal. 4. A reading means for optically reading a paper on which a registration mark is imprinted and converting the paper into digital image data, and recognizing and recognizing a character written on the paper based on the image data. Registration preparation means for converting into character data and cutting out the image data of the imprint part of the registration mark; determining whether or not the registration has already been performed based on the recognized character data; A seal registration / collation system, comprising: registration means for associating and registering image data of an imprint portion of a mark and the recognized character data. 5. The seal registration / collation system according to claim 1, wherein image data recorded on an IC card is used as the image data of the seal imprint of the mark to be verified or the image data of the seal imprint of the registration mark. 6. A collation rate is calculated by collating all the image data of the imprints of the registered seals registered for one account with the image data of the imprints of the collated seal. Item 1. A seal registration / collation system according to item 1 or 3. 7. Among the image data of the imprints of the registered seals registered for one account, the imprints of the registered seals determined to be the same imprints by the same seal as the imprints of the previous verification target seals. 4. The seal registration / collation system according to claim 1, wherein the collation is performed with priority given to the image data, and the collation rate is calculated. 8. The image data of the seal imprint of the registered seal, wherein the number of times the image data of the seal imprint of the registered seal registered for one account is judged to be the seal imprint by the same seal as the seal to be verified is determined. 4. The seal registration and registration method according to claim 1, wherein the counting is performed every time, and the image data of the seal imprint of the registration mark having a large number of times is compared with priority, and the matching rate is calculated.
Collation system. 9. The seal registration / collation system according to claim 1, wherein when the collation rate is lower than the coincidence rate, a message to that effect is displayed and an instruction input is waited. 10. The method according to claim 1, wherein the matching unit calculates the matching ratio based on a plurality of matching methods.
Or the seal registration / collation system described in 3. 11. The seal registration / collation system according to claim 1, wherein the coincidence rate can be arbitrarily determined. 12. The method according to claim 11, wherein the registration / collation preparation means cuts out the image data of the imprint portion of the registration mark or the collation target mark by processing the image data and performing the process on a portion where the characteristics of the imprint appear. The seal registration / collation system according to claim 2. 13. The method according to claim 2, wherein the registration / collation preparation means cuts out the image data of the imprint portion of the registration mark or the collation target mark from a portion of the image data representing a vermilion color. The seal registration and collation system described. 14. In a case where characters written on the sheet cannot be recognized and converted into recognized character data, or in a case where image data of an imprint portion of a collated mark cannot be cut out, a message to that effect is displayed and an instruction is input. The seal registration / collation system according to claim 2 or 3, wherein the system is made to wait. 15. When there is no image data of the seal imprint of the registration mark based on the recognized character data, the collation unit does not perform the collation, and replaces the image data of the seal imprint of the collation mark with the seal imprint of the registration mark. 4. The seal registration / collation system according to claim 3, wherein the image data is registered in association with the recognized character data. 16. A seal registration / collation system, wherein a sheet is read one by one from the reading means and collation is performed by the collation means, or a plurality of sheets are read at once from the reading means and the collation means performs the collation. 4. The seal registration / collation system according to claim 3, wherein the user can select whether to perform collation at one time. 17. The seal registration / collation system according to claim 1, wherein the registration is performed on a signature instead of a seal.