JP2005258554A - Customer management system and card used therefor, and customer authentication method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To simply and certainly perform individual identification of a customer or the like in a financial institute etc. <P>SOLUTION: A customer management system is provided with; an image read section 11 which reads image information in a trade agreement document and an identification document for an individual including at least a customer's face image and outputs it as customer identification data; customer identification information storage section 33 which stores the customer identification data; a card issue section 14 which records customer identification data on a card and issues a customer card 5; a card read section 12 which reads customer identification data recorded on the customer card 5 when the customer conducts transaction; and a display section 13 which displays the customer identification data read by this card read section 12. The individual identification of the customer who conducts the transaction can be made based on the customer information displayed on the display section 13. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a customer management system, a card used in the customer management system, and a customer authentication method that can easily and surely confirm a customer's identity in a financial institution or the like.

  Conventionally, when opening an account or conducting large-scale cash transactions at a financial institution, etc., the customer's name, address, and year of birth are used in contracts and transaction slips (collectively referred to as transaction contract documents in this specification). In addition to asking you to enter the date, etc., the contact person (teller) directly confirms your identity.

Since a great deal of labor is required to check the contents of such transaction contract documents and to verify the identity, a system has been proposed that can perform identity verification in a short time. For example, in Japanese Patent Application Laid-Open No. 2002-366748, when a user inputs personal information necessary for application for opening an account from a communication terminal, electronically signs it with an IC card and transmits it to a financial institution server, the financial institution server Sends this personal information to the server of a personal information management organization (for example, IC card management company) and verifies the identity by comparing the received personal information with the personal information managed by the server of the personal information management organization. Like to do. And if it is confirmed that it is the principal, a new account is opened.
JP 2002-366748 A

  However, due to recent strengthening measures against terrorist funds and money laundering, it is legally required to verify the identity of the driver with a driver's license, passport, health insurance card, etc. at the time of opening an account or large cash transactions. Therefore, the system according to the above publication has a problem that it is difficult to strictly confirm the consistency between the user himself / herself and the contractor.

  That is, in the configuration according to the above publication, for example, an IC card may be stolen, and an account may be opened by being electronically signed without the authorized user knowing it. In addition, there is an inconvenience of having to bring a driver's license etc. when verifying the identity at the time of transaction.

  In ordinary households, it is common for couples to use the same account. In such cases, the person who is not the account holder (who is the husband) (who is the wife) If you do not bring your license, you will not be able to trade. In principle, a driver's license is for personal use, and it is not preferable from a legal point of view to use a husband's driver's license as a certificate, apart from customary practice. Of course, when a husband uses a car for work, there is also a problem that his wife can no longer trade.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a customer management system, a card used therefor, and a customer authentication method that can easily and reliably identify a customer or the like in a financial institution or the like.

The present invention adopts the following configuration in order to solve the above points.
<Configuration 1> An image reading unit that reads image information of a transaction contract document and a customer identification document and outputs it as customer confirmation data;
A customer confirmation information storage unit for storing the customer confirmation data;
A card issuing unit that records the customer confirmation data on a card and issues a customer card so that the identity can be confirmed at the time of the transaction;
A customer management system comprising: a card reading unit that reads the customer confirmation data recorded on the customer card.

  <Explanation 1> The image reading unit reads a document such as a personal identification document including a face image by the image reading unit, stores it as customer confirmation data in the customer confirmation information storage unit, and records it on the card by the card issuing unit. To do. And by reading the customer confirmation data from the customer card of the customer who came to the transaction with the card reader, even if the customer who came to the transaction does not bring the identification key points such as a driver's license, the customer confirmation data Based on this, it is possible to confirm whether or not the customer is an authorized user, so that the identity verification process can be performed easily and reliably and the convenience is improved.

  <Configuration 2> A face image of the customer is included in the customer confirmation data.

  <Explanation 2> By including the face image of the customer confirmation data customer, the identity verification can be performed easily and reliably and convenience is improved.

<Configuration 3> A display unit that displays the customer confirmation data read by the card reading unit is provided, and the display content of the display unit is visually checked against a customer seeking a transaction. Make it possible to check whether or not there is.
<Explanation 3> Since the customer card of the customer who came to the transaction is read by the card reading unit and the customer confirmation data such as the customer's face image is displayed on the display unit, whether or not the customer seeking the transaction is an authorized user Confirmation can be done visually, and the customer does not have to bring his / her identity document such as a driver's license every time he / she makes a transaction, making the identity confirmation process simple and reliable and improving convenience. .

<Configuration 4> a customer face image reading unit that reads a face image of a customer who makes a transaction;
The customer confirmation data read by the card reading unit and the customer face image data read by the customer face image reading unit are collated, and it is confirmed whether or not the customer seeking the transaction is an authorized user. And a face image matching unit.

  <Explanation 4> Since the face image of the customer who entered the transaction content from the input unit is taken and compared with the customer confirmation data recorded on the customer card, it can be automatically determined whether or not the user is a regular user. This eliminates the need for visual confirmation processing, reduces work burdens, and improves reliability.

  <Configuration 5> When a customer who seeks a transaction by the customer verification unit is determined to be an authorized user of the customer card, it is displayed that the identity verification has been completed and is not determined to be an authorized user. In such a case, the fact that the identity could not be confirmed is displayed.

  <Explanation 5> By displaying whether or not the identity verification has been performed normally, when the customer face image reading unit reads the customer face image, for example, the customer moves, Even if it is not possible to do so, it is possible to easily redo and improve convenience.

  <Structure 6> Based on the customer confirmation data, an examination section that examines whether or not a customer seeking a contract satisfies preset contract requirements, and the customer confirmation data is temporarily stored while the examination section is examining. When the customer is determined to satisfy the contract requirements by the examination, a data temporary storage unit is provided that sends customer confirmation data stored so that a customer card can be issued to the card issuing unit.

  <Explanation 6> Based on the customer confirmation data, the examination section determines whether or not the customer satisfies the contract requirements. During that time, the customer confirmation data is stored in the data temporary storage section, so it is determined that the customer satisfies the contract requirements. The customer card can be issued later, and the customer card issuance process can be performed efficiently and in a short time without waste.

  <Configuration 7> A shared use determination unit that determines whether or not each person satisfies a shared use requirement set in advance as a shared user when a plurality of persons want to independently conduct a transaction based on the contract of 1 Is provided.

  <Explanation 7> Since the shared use determination unit determines the shared use requirements such as the relationship of multiple customers, there is one customer who is multiple shared users without having to bring the identity verification document etc. with each transaction. It becomes possible to use one account and the convenience is improved.

  <Configuration 8> A customer transaction history storage unit is provided for storing customer confirmation data and transaction details of a customer who has made a transaction when the customer has made a transaction using a customer card.

  <Explanation 8> Since the customer confirmation data and transaction history of the customer who has transacted are stored in the customer transaction history storage section, it is easy to confirm the past transaction status and know in detail, and trust in the transaction And improve the efficiency of legal record keeping obligations.

  <Configuration 9> The card includes a customer confirmation data recording area for storing at least a customer's name, address, and image data of the customer's face image.

  <Explanation 9> Since the customer confirmation data recording area is provided on the card, customer confirmation data such as the customer's face image as well as the customer's name and address can be stored as image data, and bring a driver's license etc. Even if it is not, it can be used as a substitute, and convenience is improved.

  <Configuration 10> The card is an IC card in which a semiconductor chip is embedded and data can be read and written.

  <Explanation 10> Since an IC card incorporating a semiconductor chip is used as a card, it is possible to record even customer confirmation data having a large amount of data such as image data.

  <Configuration 11> The transaction contract document and the customer identification document are acquired as customer confirmation data, and it is determined whether or not the contract requirement is satisfied based on the customer confirmation data. Data is saved and the customer confirmation data recorded on the card is issued and the customer card is issued. When the customer carries a transaction with the customer card, the customer confirmation data written on the customer card is displayed. Then, the display content and the face image of the customer are visually compared to confirm the identity of the customer as an authorized user of the customer card.

  <Explanation 11> Acquire customer confirmation data, record it on a card and issue a customer card. When a customer brings this customer card and makes a transaction, the customer confirmation data recorded on the customer card is Since it is displayed and compared with the customer, the customer is not required to bring a driver's license or the like each time a transaction is made, and convenience is improved and identity verification can be performed easily and reliably.

  <Configuration 12> Image data of a transaction contract document and at least an identification document including a face image of a customer is acquired as customer confirmation data, and it is determined whether or not the contract requirement is satisfied based on the customer confirmation data. If it satisfies the requirements, the customer confirmation data is saved, and the customer confirmation data is recorded on the card and a customer card is issued. When the customer carries the customer card and makes a transaction, it is written on the customer card. The customer confirmation data is automatically read and the customer's face image is automatically photographed, and when they match, the customer is made a regular user of the customer card.

  <Explanation 12> Acquire customer confirmation data, record it on a card and issue a customer card. When a customer brings this customer card and makes a transaction, the customer confirmation data recorded on the customer card is The customer's face images are taken and scanned, and these are automatically compared so that identity verification can be performed automatically, eliminating the burden of visual confirmation work, and enabling easy and reliable identity verification. Become.

  According to the customer management system of the present invention, customer confirmation data such as a customer's face image is recorded on a card, a customer card is issued, and if the customer card is brought, the identity confirmation can be performed without bringing the identity confirmation document. The convenience is improved because it can be done.

  Further, according to the card used in the customer management system of the present invention, since the customer confirmation data recording area is provided, it is possible to store not only the customer's name and address but also customer confirmation data such as the customer's face image as image data. It can be used as a substitute without bringing a driver's license, etc., and convenience is improved.

  Further, according to the customer authentication method of the present invention, when the customer confirmation data is acquired, recorded on the card, the customer card is issued, and the customer brings the customer card and makes a transaction, the customer card The customer confirmation data recorded on the screen is displayed and compared with the customer. This eliminates the need for the customer to bring a driver's license, etc. at each transaction, improving convenience and enabling easy and reliable identification. It becomes like this.

  Furthermore, according to the customer authentication method of the present invention, when the customer confirmation data is acquired, recorded on the card, the customer card is issued, and the customer brings the customer card and makes a transaction, the customer card The customer confirmation data recorded on the camera is read, the customer's face images are taken, and these are automatically compared, so identity verification can be performed automatically, eliminating the burden of visual identification work, and easy And identity verification can be performed reliably.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the present embodiment, the customer management system will be described as an example in the case where the customer management system is used for customer identification in a financial institution. However, the present invention is not limited to such a usage form.

<Configuration of Example 1>
FIG. 1 is a block diagram showing a configuration of a customer management system according to the present invention, which includes an image reading unit 11, a branch office server 20, a centralized center server 30, a card issuing unit 14, a card reading unit 12, a display unit 13, and the like. ing. The image reading unit 11 includes a scanner or the like, reads image information such as a personal identification document and converts it into image data, and is installed at a reception counter or the like.

  The store server 20 includes a data temporary storage unit 22 that temporarily stores information converted into image data by the image reading unit 11 as personal identification data, a transaction processing unit 23 that performs transaction processing, and an external IF unit that forms an external communication interface. 24, a store server control unit 21 and the like for controlling them.

  The centralized center server 30 is connected to the branch office server 20 so as to be capable of two-way communication, and an examination unit 32 that examines whether or not a contract satisfies preset contract requirements, and stores customer confirmation information that stores personal identification data. Unit 33, customer transaction history storage unit 34 that stores transaction history together with customer confirmation data used for identity verification when a transaction is performed, external IF unit 35 that forms an external communication interface, and center server control that controls these Part 31. The contract requirements set in advance are, for example, requirements set by the financial institution such as whether the contractor's name and address are described in the contract or whether the contractor is a self-insolvent.

  The card issuing unit 14 is connected to the branch office server 20 to issue a customer card 5 when a new account is opened. The customer card 5 includes the name and address of the authorized user. The data such as the face image is recorded in.

  The card reading unit 12 reads the recorded contents of the customer card 5 issued by the card issuing unit 14, and the display unit 13 displays information read by the card reading unit 12, and is a CRT or liquid crystal device. Etc. The display unit 13 may also serve as a teller operation terminal.

  The card is provided with a customer confirmation data recording area for storing at least a customer's name and address and image data of the customer's face image. As this card, a magnetic card may be used, but an IC card in which a semiconductor chip is embedded and data can be read and written is preferable because a large amount of data can be written.

  That is, in the case of a magnetic card, what is called a one-track type can write only about 72 bytes as a writable data amount. For this reason, it is necessary to use a magnetic card having a large number of tracks, which causes a high cost. However, IC cards generally have a data capacity of 5 Kbytes or more, and are suitable for storing large data such as image data. In addition, it is easy to prevent data from being tampered with and the like, which is advantageous from the viewpoint of security.

  Moreover, it is preferable that it is a non-contact IC card based on the international standard established by ISO as an IC card. Thus, using an IC card compliant with the international standard has the advantage that the card issuing unit 14 and the card reading unit 12 can be configured by general-purpose devices, and the card can be inserted into the device when using the card. This is because there is an advantage of high convenience.

<Operation of Example 1>
Next, a procedure when a customer opens a new account using the customer management system having such a configuration will be described with reference to FIG. First, the customer fills in the account opening application documents necessary for opening a new account with a financial institution, etc., and prepares identification documents such as a driver's license and passport necessary for identity verification, Submit these to the window.

  At the counter, when the teller receives the identity confirmation document, etc., the identity confirmation is performed verbally or visually, and then the received document is read by the image reading unit 11 and transmitted to the sales office server 20 as customer confirmation data (F11). ). The store server control unit 21 temporarily stores this customer confirmation data in the data temporary storage unit 22 (F12).

  Note that the customer confirmation data is temporarily saved if the customer card 5 is issued in the procedure described below prior to the account opening examination. This is to prevent the inconvenience that the issued customer card is wasted.

  When reading the personal confirmation and creating customer confirmation data, it is preferable to reduce the amount of data by extracting a face image when the personal confirmation is like a driver's license. Of course, the face image may be extracted when the person is identified. That is, when the account is opened, all of the person confirmation documents may be read, and only the information necessary for confirmation may be extracted when the person is confirmed.

  Further, if the customer's name, address, etc. are converted into text, the amount of data can be reduced, and the examination method in the examination unit 32 and the like can be advantageously performed by code comparison or the like.

  When the customer confirmation data is temporarily stored in the data temporary storage unit 22, the store server control unit 21 requests an examination request from the examination unit 32 (F13), and the examination result is returned by the center server control unit 31. (F14). When the screening requirements are met, an account is allowed to open, and when a matter that does not meet the screening requirements is detected, a notice to that effect is made and the account opening is not permitted. In the following, it is assumed that account opening is permitted.

  When the store server control unit 21 receives the account opening permission, the store server control unit 21 transmits the customer confirmation data stored in the data temporary storage unit 22 to the customer confirmation information storage unit 33 and stores it in the customer confirmation information storage unit 33 (F15, F16). When the storage of the customer confirmation data is completed, the center server control unit 31 returns a storage completion notification to the store server control unit 21 (F17), and the store server control unit 21 stores the customer confirmation data stored in the data temporary storage unit 22. The temporary data storage unit 22 is requested to transmit to the card issuing unit 14 (F18).

  Thereby, the customer confirmation data is sent to the card issuing unit 14 (F19), and the card issuing unit 14 records the customer confirmation data on a new card and issues the customer card 5. The customer receives the customer card 5 and the passbook, and the transaction contract procedure is completed.

  Next, with reference to FIG. 3, the transaction procedure in the case where identity verification is required as in the case of withdrawing large amounts of money using the customer card 5 will be described. The customer fills in the withdrawal request application form and presents it with the customer card 5 to the window.

  The teller reads customer confirmation data from the customer card 5 by the card reading unit 12 and displays it on the display unit 13 to visually compare and confirm whether or not the customer visiting the transaction is an authorized user of the customer card 5. If it is determined that the person is the same person, the identity confirmation result notification is transmitted to the store server control unit 21 (F21).

  When the store server control unit 21 receives this identity confirmation result notification, the transaction processing unit 23 stores the transaction content and the customer confirmation data read from the customer card 5 in the customer transaction history storage unit 34 as customer history history data. (F22). The transaction details are input by the teller.

<Effect of Example 1>
As described above, the image reading unit 11 reads a document such as a personal identification document by the image reading unit 11 and stores it in the customer confirmation information storage unit 33 as customer confirmation data, and records it on the card by the card issuing unit 14. Since the customer card 5 of the customer who has come to the transaction is read by the card reading unit 12 and the customer confirmation data such as the customer's face image is displayed on the display unit 13, whether or not the customer seeking the transaction is an authorized user The identity verification can be performed visually, and the customer does not have to bring his / her identity documents such as a driver's license for each transaction, making the identity verification process simple and reliable and convenient. improves.

  Further, since customer confirmation data and transaction histories of customers who have made transactions are stored in the customer transaction history storage unit 34, past transaction status can be confirmed easily and in detail, and reliability in transactions can be confirmed. And will be able to meet legal record keeping obligations.

<Configuration of Example 2>
Next, a case where a plurality of customers use the same account will be described. As such a usage form, there is a case where one account is used by a couple, and in the second embodiment, the identity can be confirmed even in such a case. FIG. 4 is a block diagram showing the configuration of the customer management system according to the second embodiment. The configuration is almost the same as that shown in FIG. In this case, it is determined whether or not transactions by a plurality of customers are permitted.

<Operation of Example 2>
Next, a procedure when a customer opens a new account using the customer management system having such a configuration will be described with reference to FIG. First, when opening a new account, the customer fills in an account opening application document, and submits an identification document such as a driver's license or passport necessary for identification.

  At this time, the identity verification documents for all joint users shall be submitted. Therefore, in the case of use by a couple, the couple's driver's license, passport, etc. must be submitted. In addition, it is preferable that all joint users ask the financial institution, but presentation of documents (for example, family register copy, health insurance card, etc.) that can prove the relationship with the contractor (for example, couple, parent and child) Can be omitted. These needs are determined by financial institutions, etc. because of operational reasons.

  At the window, when the teller receives the identity confirmation document, the identity verification is performed verbally or visually, and then the received document is read by the image reading unit 11 and transmitted to the store server control unit 21 as customer confirmation data. Temporary storage in the data temporary storage unit 22 (F31, F32).

  When the customer confirmation data is temporarily stored in the data temporary storage unit 22, the store server control unit 21 makes a request for examination to the examination unit 32 (F33), and the result is returned from the examination unit 32 as examination completion. (F34).

  When it is confirmed that there is no problem as a result of the examination, the shop server control unit 21 requests the shared use determination unit 25 to determine whether or not the shared user satisfies the shared use requirement set in advance (F35). In the examination in the examination unit 32, examination for the account holder is performed, so that the joint use requirement for the joint user is not a subject of examination. Therefore, the shared use determination unit 25 determines whether or not the shared user satisfies the shared use requirement set in advance based on, for example, the shared use contract or the relationship of the shared user, and notifies the result (F36). ). Specific joint requirements are set by the financial institution.

  When the examination result and the shared use requirement are both satisfied, the store server control unit 21 transmits the customer confirmation data stored in the data temporary storage unit 22 to the customer confirmation information storage unit 33 (F37, F38). When the store server control unit 21 receives a storage completion notification indicating that the storage of the customer confirmation data is completed from the customer confirmation information storage unit 33 (F39), the store server control unit 21 transmits the customer confirmation data to the card issuing unit 14 ( F40, F41).

  The card issuing unit 14 writes the customer confirmation data in the new card and issues the customer card 5, and the customer receives the customer card 5 and completes a series of processes for opening a new account. At this time, customer confirmation data of each joint user is recorded in the customer card 5.

  In the above description, the case where the customer confirmation data of all the joint users is recorded on one customer card 5 has been described. However, the customer card for the joint user is provided so that each person can carry one customer card 5 at a time. 5 may be issued. In that case, it is possible to record all the customer confirmation data on all the customer cards 5 or to record only the customer confirmation data of the card owner in correspondence with the card owner.

  When a transaction is made using such a customer card 5, the procedure described above is performed. At that time, the customer confirmation data stored in the customer transaction history storage unit 34 is the customer confirmation data of the wife when the account holder is registered as a husband and a husband and wife for joint use. Will be read out. Of course, the customer confirmation data of all the members may be read out, and when the teller confirms the identity, the corresponding customer may be identified and confirmed.

<Effect of Example 2>
As described above, in addition to the effects of the first embodiment, the financial institution side can handle the customer confirmation data of the joint user centrally for one account, thereby reducing the management burden and confirmation effort of the customer confirmation data. And improve reliability

  Further, for example, even when the account holder is a husband and the wife uses the account, the legal record keeping duty can be fulfilled, and the conventional practice can be inherited and the convenience is improved.

<Configuration of Example 3>
Next, Example 3 will be described. In the first and second embodiments, the identity confirmation when making a transaction or the like is performed by displaying customer confirmation data such as a customer's face image read from the customer card 5 on the display unit 13 so that the teller Consistency with the customers who went to the transaction was confirmed visually, and the identity was confirmed. In contrast, the third embodiment automates such identity verification.

  FIG. 6 is a block diagram showing the configuration of the customer management system in the case where such confirmation processing is performed automatically. In the configuration shown in FIG. 4, the face image of the transaction requester who is inputting the transaction procedure is taken. A customer face image reading unit 16 having a camera device or the like, and comparing the customer face image read by the customer face image reading unit 16 with the face image in the customer confirmation data read by the card reading unit 12 A face image collation unit 17 for verifying the identity from these matches is additionally provided and connected by a network such as a LAN 46.

<Operation of Example 3>
With such a configuration, when the customer makes a transaction, the customer confirmation data is read by the card reading unit 12 from the customer card 5 issued in the first or second embodiment. On the other hand, the customer inputs transaction details such as deposit withdrawal from the input unit 15.

  When the input of the transaction details is completed, this is notified to the face image matching unit 17, and the face image matching unit 17 instructs the customer face image reading unit 16 to read the customer's face image. Then, the customer face image read by the customer face image reading unit 16 is sent to the face image matching unit 17.

  On the other hand, the face image collation unit 17 takes in the customer confirmation data read from the card reading unit 12 and collates them to determine the coincidence. As a result, when the identity can be confirmed, a message such as “identity confirmation OK” is displayed on the display unit 13. If the identity cannot be confirmed, a message such as “reconfirmation required” is displayed.

  Examples of such cases where the identity cannot be confirmed include cases where the customer's face image could not be acquired correctly due to the customer moving, or unauthorized use of the customer card 5. If the customer's face image cannot be acquired correctly, the user can confirm the identity by acquiring the face image again, and displaying that the identity cannot be confirmed in this sense has the advantage of improving convenience.

<Effect of Example 3>
As described above, in addition to the effects of the first and second embodiments, the customer's identity can be automatically confirmed, so that the trouble of visually checking by the teller is saved and the convenience is improved.

It is a block diagram which shows the structure of the customer management system of Example 1. FIG. It is a figure which shows the procedure in case a customer opens a new account. It is a figure which shows a transaction procedure. It is a block diagram which shows the structure of the customer management system of Example 2. It is a figure which shows the procedure in case a some customer opens one new account. It is a block diagram which shows the structure of the customer management system of Example 3.

Explanation of symbols

DESCRIPTION OF SYMBOLS 5 Customer card 11 Image reading part 12 Card reading part 13 Display part 14 Card issuing part 15 Input part 16 Customer face image reading part 17 Face image collation part 20 Branch office server 21 Shop server control part 22 Data temporary storage part 23 Transaction processing part 25 shared use determination unit 30 centralized center server 31 center server control unit 32 examination unit 33 customer confirmation information storage unit 34 customer transaction history storage unit

Claims (12)

An image reading unit that reads image information of transaction contract documents and customer identification documents and outputs them as customer confirmation data;
A customer confirmation information storage unit for storing the customer confirmation data;
A card issuing unit for recording the customer confirmation data on a card and issuing a customer card;
A customer management system comprising: a card reading unit that reads the customer confirmation data recorded on the customer card and enables identity verification at the time of a transaction.   The customer management system according to claim 1, wherein the customer confirmation data includes a face image of the customer.   Whether or not the customer is a legitimate user by visually comparing the display contents of the display unit with a customer who is seeking a transaction, the display unit displaying the customer confirmation data read by the card reading unit The customer management system according to claim 1, wherein the confirmation can be performed. A customer face image reading unit for reading a face image of a customer to be traded;
The customer confirmation data read by the card reading unit and the customer face image data read by the customer face image reading unit are collated, and it is confirmed whether or not the customer seeking the transaction is an authorized user. The customer management system according to claim 2, further comprising a face image matching unit.   When it is determined that the customer seeking the transaction by the customer verification unit is an authorized user of the customer card, the fact that the identity verification has been completed is displayed, and if it is not determined to be an authorized user, 5. The customer management system according to claim 4, further comprising a display unit for displaying that the identity cannot be confirmed. Based on the customer confirmation data, an examination unit that examines whether or not a customer seeking a contract satisfies a preset contract requirement;
While the examination unit is examining, the customer confirmation data is temporarily stored, and when the customer is determined to satisfy the contract requirements by the examination, the customer card is stored so that the customer card can be issued. 6. The customer management system according to claim 1, further comprising a data temporary storage unit that sends customer confirmation data to the card issuing unit.   Providing a joint use determination unit that determines whether or not each person satisfies the joint use requirement set in advance as a joint user when multiple persons wish to conduct transactions based on the contract of 1 independently. The customer management system according to claim 1, wherein:   8. A customer transaction history storage unit for storing the customer confirmation data and transaction contents of a customer who has made a transaction when the customer has made a transaction using the customer card. Customer management system described in the section.   9. The customer management system according to claim 1, wherein the card includes a customer confirmation data recording area for storing at least a customer's name and address and image data of the customer's face image. card.   The card according to claim 9, wherein the card is an IC card in which a semiconductor chip is embedded and data can be read and written. Acquire transaction contract documents and customer identification documents as customer confirmation data, determine whether or not the contract requirements are satisfied based on the customer confirmation data, and store the customer confirmation data if the contract requirements are satisfied , Record the customer confirmation data on a card, issue a customer card, and
When a customer brings the customer card and makes a transaction, the customer confirmation data displayed on the customer card is displayed, and the display content and the customer's face image are visually compared to A customer authentication method characterized by verifying the identity of an authorized user of the customer card. In the case where the image data of the identification document including the transaction contract document and at least the customer's face image is acquired as the customer confirmation data, it is determined whether or not the contract requirement is satisfied based on the customer confirmation data, and the contract requirement is satisfied Store the customer verification data, record the customer verification data on a card and issue a customer card; and
When a customer brings the customer card and makes a transaction, the customer confirmation data written on the customer card is read and a face image of the customer is photographed. A customer authentication method characterized by being an authorized user.

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