JP2005004565A - Contract system and reception terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make identification and screening strict and to allow a user to do flexible operations and procedures when applying for card issuance. <P>SOLUTION: An reception terminal having a certificate reader and a camera for loan card application and being smaller and less expensive than conventional automatic loan-application machines is used to make strict identification possible for crediting and to issue a transaction ID. The transaction ID is inputted afterwards using a camera-equipped card issuing terminal to issue a loan card through identification operation that is completed in a short period of time through the collation of a camera image with an image taken at the time of application. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a system for performing identity verification and service provision regarding loan card application and various service reception work performed between a reception terminal and a control center apparatus via a network.
[0002]
[Prior art]
There is a system that accepts credit card issuance applications online and credits them.
[0003]
Generally, when an application is made with an automatic contract machine operated by a financial company or the like, it is necessary to wait on the spot until the identity confirmation or credit is completed. For this reason, not only the rotational efficiency of the automatic contracting machine is lowered, but also it can be a factor that the loan card application itself is avoided due to a long time for restraining the user.
[0004]
On the other hand, for example, Patent Document 1 discloses a system in which a loan card issuance process and a loan card issuance process are separated in order to issue a loan card even in an open space such as a convenience store.
[0005]
[Patent Document 1] Japanese Patent Laid-Open No. 2001-325453 [Problems to be Solved by the Invention]
However, since personal loans are services related to money in particular, it is necessary to strictly verify the identity. However, the system described in Patent Document 1 cannot refer to the identity verification materials at the time of application and credit, and is required to strictly verify the identity. hard.
[0006]
In addition, since the identification document is not referred to in the application, the identification document will be referenced for the first time when the card is issued, and there is a problem that it takes time for the confirmation work on the spot and makes the user wait. In this case, there is also a problem that the credit becomes hard work if the identity verification is inconsistent.
[0007]
An object of the present invention is to solve the above-mentioned problems, for example, to issue a card to be issued to a user with a simple operation and procedure, and on the other hand, to strictly examine a user when applying. To do.
[0008]
[Means for Solving the Problems]
In order to achieve the above-mentioned objectives, in particular, we have a license reader and a camera for applying for a loan card, and use a reception terminal that is smaller and less expensive than conventional automatic contracting machines, and performs strict identity verification in credit. Issuing a loan card by issuing a transaction ID and then entering the transaction ID at a card issuing terminal with a camera at a later time by verifying the identity of the camera and the image at the time of application. can do.
[0009]
In addition, by having a cash card reader, cash card information can also be reflected in identity verification, and in the cashing service after issuance of a loan card, it becomes possible to transfer a loan account instead of cash withdrawal from the terminal, There is no need to prepare a terminal with a relatively expensive cash unit in a financial operator, and the cost can be reduced.
[0010]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment suitable for the present invention will be described with reference to FIGS. 1 and 2. Note that the present invention is not limited to this embodiment.
[0011]
FIG. 1 shows, as an example, a contract system that executes or supports contracts that have undergone examinations such as identity verification and credit for the acceptance of various contracts (or examinations for such applications) such as loan card applications by financial companies such as consumer finance companies. FIG.
[0012]
The contract system includes a reception terminal 1 having a communication function, and a control center device (higher level device) 2 that controls a plurality of reception terminals 1 and a card issuing terminal 3 connected via a network. The mobile phone 4 is an item owned by the user.
[0013]
The reception terminal 1 shoots a user by photographing a display unit 11 that displays information, an input unit 12 such as a touch panel or a numeric keypad for inputting items, an electronic pen 13 that can be input to write on the screen of the display unit 11, and the user. A camera 14 for acquiring an image, a license reader 15 for reading a license, a cash card reader 16 for reading a bank name, an account number, and the like from a cash card different from the loan card, and a summary of input contents and the like. (Receipt) A printer 17 and a communication control unit 18 for communicating with the control center device 2 are included. The card issuing mechanism 33, which is relatively expensive and used only at the time of issuing a card, is not installed in the receiving terminal 1, thereby making the receiving terminal 1 inexpensive and enabling a large number of transaction processes at the same cost. Since the reception terminal 1 is a smaller and less expensive terminal than the automatic contract machine or the card issuing terminal 3, there are few restrictions on installation conditions, and a large number of installations can be performed from the viewpoint of cost. By constructing such a system, it is not necessary to install only an automatic contract machine at the same introduction cost for a financial company, but by installing a large number of reception terminals 1 and increasing the chances of receiving a contract, the efficiency of attracting customers is high. The merit that can build a realistic system is born. In addition, space is saved by making the conveyance path leading to the license reader 15 and the cash card reader 16 the same insertion slot, and the user does not hesitate about the insertion slot. The driver's license and the cash card may be taken in during the operation of the user, but it is desirable for the user's peace of mind to return it to the user as soon as the reading is completed.
[0014]
The control center device 2 includes a display unit 21, an input unit 22, a communication control unit 23, a storage unit 24 in which personal information is stored, and a control unit 25 that controls them.
[0015]
The card issuing terminal 3 includes a contract issuing mechanism 31, a contract collecting mechanism 32, a card issuing mechanism 33, and a control unit 34 in addition to the configuration of the receiving terminal 1.
[0016]
FIG. 2 shows a flowchart of processing executed by the control units 19, 25, and 34 in the receiving terminal 1, the control center device 2, and the card issuing terminal 3 in accordance with user operations and the like.
[0017]
When applying for a loan card using the reception terminal 1, a loan card application is selected on the initial screen 300 of FIG. 3 (step S1), and the user follows the guidance displayed on the display unit 12 from the input unit 12 Necessary items are input (step S2). The input content input to the input unit 12 is transmitted to the control center device 2 via the communication control unit 18 (steps S12 and S17).
[0018]
In step S2, a part of the entry items displayed on the screen of the display unit 11 of the receiving terminal 1 is entered by the user using the electronic pen 13, and the data is stored as handwriting data. It has the advantage that it can be used as a confirmation judgment material and can be used later as proof that the user himself / herself has filled in, thereby enabling more rigorous identity verification.
[0019]
Since financial companies make money-related contracts, identity verification is important, so a license is used as identification, and the identity of the user is verified. Therefore, the display unit 12 is instructed to insert the license of the user of the reception terminal 1 into the license reader 13, and after the license is inserted, the license reader 13 takes out the image data of the license (step S13). ) Is transmitted to the control center device 2 via the communication control unit 18 (step S18), and the operator of the control center device 2 determines whether the input items (birth date, address, etc.) are correct. You may make it recognize the character of the image of a license.
[0020]
A situation in which the user of the reception terminal 1 is operating is photographed as a moving image or a still image by the camera 14 (step S11), and the data is displayed on the display unit 21 of the control center device 2 via the communication control unit 18. To do. By detecting the user by the proximity sensor installed in the reception terminal 1 or by using the input to the input unit 12 as a trigger for starting the shooting by the camera 14, it is possible to acquire a shortage of excess or shortage of moving images or still images.
[0021]
In this way, even in the reception terminal 1 that does not have the card issuing mechanism 33, by reading the license and acquiring the video of the user, the photo of the license acquired from the license reader 15 and the video of the user can be obtained. Can be confirmed even in credit, the identity verification in credit can be tightened, and the waiting time of the user can be shortened by improving the efficiency of the examination at the card issuing terminal 3. .
[0022]
Also, the bank name, branch name, account number, etc. are read from the magnetic stripe portion of the cash card owned by the user from the cash card issued by a financial institution different from the financial institution that issues the loan card by the cash card reader 16. (Step S14).
[0023]
By realizing this system, it is possible for a financial operator to perform identity verification using a cash card in addition to data obtained by performing identity verification based on information obtained by the license reader 15 or the camera 14. In other words, by having a cash card reader and a license reader together, the identity confirmation can be made more strict for financial operators. There is an advantage for the user that there is no need to fill in the bank name, branch name, account number, etc. of the bank where payment is desired. When the bank account is changed when receiving the cashing service after the next time, the cash card reader 16 can read the cash card.
[0024]
When applying for a loan card, an examination is conducted, and after passing the examination, a contract is exchanged, and the card is handed over for subsequent cashing. However, since this examination takes time, the user's operation at the reception terminal 1 is terminated. In order to resume the procedure, after receiving the data necessary for credit, the control center device 2 issues a transaction ID and transmits it to the receiving terminal 1 (step S20), and the printer 17 prints the received transaction ID on paper. Issue (step S15). Thereby, the user does not have to wait for the credit examination result in front of the reception terminal 1 and can move freely.
[0025]
When a service provision decision (credit result) is made, and when the service execution is completed (account transfer result), it is indicated to the telephone number or e-mail address of the mobile phone 4 entered at the receiving terminal 1 The result (information) shown is transmitted, and the result is notified to the user (step S22). Thereby, the enrolling user can obtain information on when the procedure can be resumed, and the enrolling user himself can easily make an action plan.
[0026]
The examination result may be viewable at another reception terminal or card issuing terminal 3 connected to the network of the financial operator. If the user passes the examination, the contract is exchanged at the card issuing terminal 3. If you have enough time, you may notify your phone number or e-mail address of the examination result, or you can choose to exchange the contract or receive the card by mail at a later date. .
[0027]
The user who has received the notification in step S22 that the examination has been passed inputs the transaction ID and desired loan amount issued in step S15 into the input unit of the card issuing terminal 3 (step S7). When the card issuing terminal 3 receives the transaction ID and the desired loan amount (step S29), the card issuing terminal 3 displays the transaction ID, the desired loan amount, and the video of the user taken by the card issuing terminal 3 camera to the control center device 2. Send. The received transaction ID and the video of the user (steps S23 and S24) are the same as the person in the image read by the license reader 15 of the reception terminal 1 that issued the transaction ID (or with the camera 14 of the reception terminal 1). If the operator of the control center apparatus 2 determines that the image is the same as the person of the acquired video), the input items so far are transmitted to the card issuing terminal 3, and the card issuing terminal 3 The format is output and entry by the user is requested (step S30). The completed contract is collected by the contract collection mechanism 32 (step S31), and after confirmation by the operator of the control center device 2 (step S26), a card is issued by the card issuing mechanism 32, and a copy of the contract is recorded. Printout is completed (step S32).
[0028]
Thereafter, the control center device 2 executes a process for transferring the loan amount to the account read by the cash card reader 16. By transferring the loan money to the bank account designated by the user in this way, there is an advantage that the financial operator does not have to prepare an automatic payment machine independently and that it leads to cost savings. Even if the reception terminal 1 is not equipped with the cash card reader 16, if the cash card reader of the card issuing terminal 3 reads the cash card and performs the transfer, even if the information cannot be used at the credit stage, the financial operator's own automatic It becomes possible not to have a payment machine.
[0029]
In the contract system as described above, when applying for membership / cashing to a financial institution, an examination by the institution is required, but the user can also move during the examination time, and after the examination is completed, It is particularly effective to install it at a railway station because a system that allows post-examination procedures to be performed anywhere from terminals connected to the network of peers is achieved.
[0030]
For example, it is possible to apply for membership at the reception terminal 1 near the station A, move by rail during the examination time, and resume the procedure at the card issuing terminal 3 near the arrival station B. Can be improved.
[0031]
In this case, when accepting an application for a loan card in step S12 of FIG. 2, etc., after receiving the credit, the card issuing terminal 3 receives the input of the station that receives the card, and the required time to the receiving station is received by the receiving terminal 1 Is calculated by the route search function of the reception terminal 1 or the control center device 2 based on the station where the terminal is installed and the current time, and the credit of the control center device 2 is received so that the user can smoothly receive the card at the receiving station. Distinguishing between priority and non-priority in order leads to more efficient credit and improved service to users. It is even better to combine the designation of the receiving station and the designation of the receiving time.
[0032]
In addition, the initial screen of the reception terminal 1 shown in FIG. 3 includes not only application for a loan card, but also railway route search, station area guidance, sightseeing guidance, timetable printout, and IC card type commuter pass usage status confirmation. By providing such a menu, it is possible to increase the customer collection capability of the reception terminal 1 and increase the application for a loan card. Further, it is possible to apply for cashing using a loan card issued by the card issuing terminal 3, and in this case, the cash to be cashed is the account number of the financial institution read by the cash card reader 16 or the like. Transfer to the address.
[0033]
【The invention's effect】
It is possible to achieve a contract using a personal identification document and a credit that does not bind the user unnecessarily. In addition, credit can be given while the user is moving by rail. In addition, the use of the reception terminal is increased, and the contract opportunity is expanded. In addition, it is possible to provide a loan that does not require handling of cash at the terminal of the financial operator.
[Brief description of the drawings]
[Fig. 1] System configuration example [Fig. 2] Processing flowchart of each terminal [Fig. 3] Initial screen of the receiving terminal [Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Reception terminal, 2 ... Control center apparatus, 3 ... Card issuing terminal, 4 ... Mobile phone.

Claims (4)

Imaging means for acquiring user image information, license reading means for reading image information of the user's license, input means for receiving application information input from the user, the imaging means, and reading of the license A reception terminal having a transmission means for transmitting the image acquired by the means and the application information input by the input means to a host device, and a transaction ID issuing means for receiving and issuing a transaction ID corresponding to the transmitted information;
In addition to each means of the reception terminal, a transaction ID input means for receiving an input of a transaction issued by the transaction ID issuing means of the reception terminal, and information corresponding to the transaction ID input by the transaction ID input means A contract system comprising: a card issuing terminal having a receiving means for receiving a contract and a contract issuing means for issuing a contract based on information received by the receiving means. The contract system according to claim 1,
The host apparatus includes storage means for storing a transaction ID attached to information received from the transmission means, and notification means for notifying a credit result based on the information stored in the storage means. Contract system. The contract system according to claim 1 or 2,
The reception terminal has a cash card reading unit that reads an account number from a cash card, and transmits the account number to a host device by the transmission unit.
The high-order apparatus has a transfer means for executing a process of transferring a loan amount to an account with an account number read by the cash card reading means after the contract issuance is issued by the contract issuance means. system. A reception terminal that accepts applications for loan cards issued by financial companies,
A license reader that reads the image of the license when applying for a loan card;
A reception terminal having a cash card reader that reads information on a cash card of a financial institution different from a financial operator that issues the loan card when applying for a loan card.

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