JP2008015864A - Electronic application form system, electronic application method and electronic application program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To rapidly complete an application procedure in application to a service or commodity which needs confirmation of an applicant's intention and individual confirmation of the applicant. <P>SOLUTION: The electronic application form system comprises a touch screen used as both an output device for displaying an image and an input device for receiving input by touch on a screen of the output device; a means for fetching identification as image information; a means for receiving input of application information of the service or commodity and storing the application information; a means for storing signature image information of a handwritten signature inputted and received by the touch screen; a means for storing the fetched image information of identification; a means for associating the stored application information and signature image information with the identification image information as those related to the same application; and a means for transmitting the associated application information and signature image information to a server through a network. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic application technique.

  A credit card that shortens input processing time and costs by the operator by capturing the image of the completed credit card application form into a computer with a scanner as a technology aimed at completing the application process more quickly than before. There is a membership application image processing system (see Patent Document 1).

Also, by displaying items with different input data among multiple persons in charge and input data by individual persons in charge, whether there is any variation in the input data, and if so, which data is accurate There is a data display device for the purpose of efficiently specifying whether or not (see Patent Document 2).
JP 2005-56099 A JP 2006-146969 A

  In the case of application for services or products that require the applicant's intention confirmation and identity verification, application procedures using paper media have traditionally been performed, and an application form that allows carbon transfer to prepare the required number of documents There is a problem that the cost of processing is large, such as preparation of the document, transfer procedure when sending the prepared documents to different destinations, confirmation and sending procedure when deficiencies occur.

  Here, it is conceivable that the application procedure is performed using a computer, and the applicant has developed a system for acquiring application information and image information of a handwritten signature as electronic data. In order to complete the application process immediately, there was room for speeding up the process.

  Also, it takes time for paper media transfer procedures and deficiency correction procedures, and it may take up to several weeks for the applicant to wait until the application procedure is completed and the applied service or product is provided. there were.

  In particular, depending on the field of services or products, it has been confirmed that if the applicant waits for a certain period of time before the provision of services or products starts, the usage rate of the service or products will extremely decrease. It is important to provide services or products to applicants as soon as possible.

  In view of the above-described problems, an object of the present invention is to quickly complete an application procedure in an application for a service or a product that requires an applicant's intention confirmation and identity verification.

  In order to solve the above-described problems, the present invention accepts an input of a handwritten signature by a touch screen, and captures image information of identification by an image capturing means, thereby requiring an applicant's intention confirmation and identity verification. Or, in the application for goods, it was possible to complete the application procedure quickly.

  Specifically, the present invention relates to an output device that displays an image, a touch screen that also serves as an input device that accepts input by contact on the screen of the output device, an image capturing unit that captures identification information as image information, and a service. Alternatively, an application information storage unit that receives input of product application information and stores the application information, a signature image information storage unit that stores signature image information of a handwritten signature input and received by the touch screen, and the image capture Identification image information storage means for storing image information of identification captured by the means, and association means for associating the stored application information, signature image information and identification image information as related to the same application And the application information and the signature image information associated by the association means An electronic application form system, comprising a information transmitting means for transmitting to the server.

  Here, the image capturing means is a device that can capture an identification as image information, and examples thereof include a scanner and a digital camera. Further, the application information need not be input by a touch screen, and may be input by a keyboard, a mouse or other input device.

  According to the present invention, the handwritten signature for confirming the applicant's intention is stored by the signature image information storage means, the identification for confirming the identity of the applicant is stored by the identification image information storage means, and the signature image information is stored. In addition, by transmitting the identification image information, the application procedure can be completed quickly, and as a result, it is possible to quickly start providing services or products.

  In addition, the application information is a combination of one piece of personal information and application information for multiple services or products, so you can save time and effort to enter personal information multiple times when applying for multiple services or products. It is also possible to improve.

  The present invention provides the application information, the signature image information, and the identification image stored by the application information storage means, the signature image information storage means, and the identification image information storage means after the transmission by the information transmission means is completed. An information erasing unit for erasing information may be further provided.

  In the case of a paper medium, the possibility of leakage or loss of personal information during transfer cannot be excluded, and there is a problem from the viewpoint of protecting personal information of applicants. According to the present invention, it is possible to improve the level of personal information protection by deleting the transferred or transmitted information.

  In transferring or transmitting information when carrying out the present invention, it is preferable to use a communication means including an encryption means and an authentication means.

  The present invention may further include a printing unit that prints a permission document that permits a withdrawal to an account of a financial institution to which a cost incurred in connection with provision of a service or a product related to the application information is to be withdrawn. Good.

  According to the present invention, it is possible to complete application and provide a service or a product more quickly by omitting the trouble of issuing and filling in a license document. The printing means may further print a barcode including information for identifying the licensed document on the licensed document. The present invention can also be understood as an electronic application method or an electronic application program for realizing the electronic application system described above.

  According to the present invention, it is possible to quickly complete an application procedure in an application for a service or a product that requires confirmation of the applicant's intention and identity.

  Embodiments of an electronic application form system according to the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing an outline of a configuration of a card member acquisition system using an electronic application form system according to the present embodiment. A tablet PC (client) 11, a tablet PC (server) 12, a printer 13, and an access point 14 are installed in the store 10. In the present embodiment, four tablet PCs (clients) 11 and one tablet PC (server) 12 operate as a set of systems.

  The tablet PC has a display (hereinafter referred to as a “touch screen”) that can also be input by touching the display with a stylus pen, which is called a CPU (Central Processing Unit), a RAM, and a RAM. (Random Access Memory), HDD (Hard Disk Drive), wireless LAN (Local Area Network) card, and the like are necessary for operating as a computer. The tablet PC (client) 11 communicates with the tablet PC (server) 12 via the access point 14 using a wireless LAN card. The tablet PC (server) 12 further has a PHS card, and performs dial-up communication via the PHS base station 15 to communicate with the application server 32 of the data center 30 via the ISP (Internet Service Provider) 21. . Note that it is more preferable that the tablet PC (client) 11 has a built-in digital camera. The printer 13 receives an output instruction from the tablet PC via the access point 14 and performs printing.

  In the data center 30, a router 31, an application server 32, a database server 33, an operation management server 34, a DNS (Domain Name System) server 35, and a file transfer server 36 are installed. The router 31 relays communication between the Internet 20 and each server. Each server has a configuration necessary for operating as a computer, such as a CPU, RAM, HDD, and NIC.

  The application server 32 processes data received from the tablet PC (server) 12. The database server 33 accumulates various types of information used by the application server 32 and the like as a database, and outputs information for use in response to a request. The operation management server 34 performs centralized management of each server. The DNS server 35 manages the domain name, and can access each server by specifying the domain name. The file transfer server 36 transmits data to the host server 41 of the card company center 40. In the data center 30, all servers and lines are duplicated. This is for continuation of service when a failure occurs and for avoiding data loss. The data center 30 has a security level that complies with FISC standards (Financial Supervisory Agency guidelines).

  A host server 41 is installed in the card company center 40. The host server 41 receives the data transfer from the file transfer server 36, and confirms and stores the data.

  Next, the outline of the data structure of the present embodiment will be described with reference to FIGS.

FIG. 2 is a diagram showing an outline of the data structure of the application information 51 in the present embodiment. The application information 51 is information in CSV (Comma Separated Value) format including card information, customer information, contact information, work place information, payment information, and other information necessary for application, and the application date (YYMMDD) for each item. ), An application information file to which a file name (YYMMDDXXXXXXLL.csv) connecting the terminal ID (XXXX) assigned to each tablet PC and the application sequence number (LLL) of the day is attached.

The signature image information in the present embodiment is TIFF (Tagged Image File).
Format) format image, file name (YYMMDXXXXXXLLLL01.) Connecting application date (YYMMDD), terminal ID (XXXX), application sequence number (LLL) of the day and number (01) indicating the applicant himself / herself for each case. tif) is saved as a signature image information file. In addition, the signature image information other than the applicant himself / herself obtained when the family card is applied, etc. is attached with a file name (YYMMDXXXXXXLL02.tif) having a number (02 or later) indicating that the applicant is not the applicant himself / herself. Saved as a signature image information file.

  The identification image information in this embodiment is an image in a TIFF (Tagged Image File Format) format, and each application date (YYMMDD), terminal ID (XXXX), application sequence number (LLL) and identification card on that day. It is stored as an ID image information file with a file name (YYMMDDXXXXLLIDC.tif) connected with alphabetic characters (IDC) indicating image information.

  FIG. 3 is a diagram showing an outline of the data structure of the application management information 52 in the present embodiment. The application management information 52 is information in CSV (Comma Separated Value) format including application date / time, reception number, applicant's name, clerk's name, etc., application date (YYMMDD), terminal ID (XXXX), current day Application sequence information (LLL) and an application management information file with a file name (YYMMDDXXXXLLLMGR.csv) connected with letters (MGR) indicating application management information 52.

  In the present embodiment, the application information 51 and the application management information 52 are stored in CSV format and the image information is stored in TIFF format. However, this is an example in the present embodiment and is optimal according to the situation to be implemented. It is preferable to adopt a simple data format.

  Next, the processing flow of the card member acquisition system will be described with reference to FIGS. The processing shown below is performed by the CPU of each computer interpreting and executing a program expanded in the RAM of each tablet PC or server. In addition, the processing unit and processing order of the following processes are not limited to the processing unit and processing order shown in the present embodiment, and may be changed as appropriate.

  4 to 9 are views showing screen display contents in the application information input process of the present embodiment.

  FIG. 4 is a diagram showing a card selection screen 60 displayed on the touch screen in the present embodiment. On the card selection screen 60, a step display 61 indicating steps in the application information input process and a button 62 indicating selectable cards are displayed. Further, services and products other than cards, for example, services such as loans and insurance, and products such as accessories may be selected. The customer selects a card by touching the button 62 indicating the desired card with the stylus pen on this screen (hereinafter, touching the button displayed on the touch screen with the stylus pen is simply referred to as “pressing”). . The CPU of the tablet PC (client) 11 receives an input of selection and stores the received selection result in the RAM or HDD. Next, the screen shown in FIG. 5 is displayed.

FIG. 5 is a diagram showing a customer information input screen 64 displayed on the touch screen in the present embodiment. The customer information input screen 64 includes a step display 61 indicating a step during the application information input process, a “next” button 65, a “return” button 66, a name, a full name, a romanized name, a gender, and a date of birth. A field 67 for inputting the presence / absence of a spouse is displayed. In addition, a field for inputting other customer information may be provided. When the customer selects any of these fields 67 with the stylus pen, the screen is switched to various item input screens (not shown). The various item input screen is a screen in which buttons are arranged on the touch screen in accordance with each input item, and input to each input item is performed by pressing this button. For example, a button of 50 sounds is displayed on the name input screen, and a male / female option button is displayed on the gender input screen. Necessary buttons are displayed on the various item input screens according to the input items. The CPU of the tablet PC (client) 11 receives an input and stores the received content in the RAM or the HDD. When the input of the essential items that must be input at the time of application is completed and the customer presses the “Next” button 65, the screen shown in FIG. 6 is displayed.

  FIG. 6 is a diagram showing a contact information input screen 69 displayed on the touch screen in the present embodiment. The contact information input screen 69 includes a step display 61 indicating a step during the application information input process, a “next” button 65, a “return” button 66, a zip code, an address, an address / apartment / apartment name, etc. A field 70 for inputting the number of years of residence, telephone number, telephone number classification, telephone name, and mobile telephone number is displayed. Further, a field for inputting other contact information may be provided. When the customer selects any of these fields 70 with the stylus pen, the screen is switched to various item input screens (not shown). The CPU of the tablet PC (client) 11 receives an input and stores the received content in the RAM or the HDD. When the input of the essential items is completed and the customer presses the “Next” button 65, the screen shown in FIG. 7 is displayed.

  FIG. 7 is a diagram showing a work information input screen 72 displayed on the touch screen in the present embodiment. The work information input screen 72 includes a step display 61 indicating steps in the application information input process, a “next” button 65, a “back” button 66, a work name, a reading of the work name, a department name, a job title, Type of business, capital, number of employees, postal code of work, work address, address, building name, etc., work telephone number, extension number, second name, second telephone number, extension number, years of service An input field 73 is displayed. In addition, a field for inputting other office information may be provided. When the customer selects any of these fields 73 with the stylus pen, the screen is switched to an input screen (not shown). The CPU of the tablet PC (client) 11 receives an input and stores the received content in the RAM or the HDD. When the input of the essential items is completed and the customer presses the “Next” button 65, the screen shown in FIG. 8 is displayed.

  Depending on the service or product that the customer applies for, it may be necessary to input other information. In such a case, an additional information input screen (not shown) may be displayed to input necessary information. Similar to other information input screens, a step display 61 indicating a step during the application information input process, a “next” button 65, and a “return” button 66 are displayed.

FIG. 8 is a diagram showing a convention agreement screen 75 displayed on the touch screen in the present embodiment. On the agreement agreement screen 75, a step display 61 indicating a step during the application information input process, a member agreement agreement check box 76, a personal information agreement agreement check box 77, an agreement disagreement button 78, and an agreement button 79 are displayed. If the customer can agree to the terms, the customer checks the corresponding check boxes 76 and 77 with a stylus pen and presses the consent button 79. If the consent cannot be made, the consent disabling button 78 is pressed. The contents of the rules themselves may be separately prepared in a pamphlet or the like, or may be displayed on a touch screen. The CPU of the tablet PC (client) 11 receives an input of selection and stores the received selection result in the RAM or HDD. Next, the screen shown in FIG. 9 is displayed.

  In addition, by obtaining consent from customers to use personal information entered for multiple contracts here, there is no need to prepare paper for each contract as in the past, reducing costs and saving resources. Is possible.

  FIG. 9 is a diagram showing a signature screen 80 displayed on the touch screen in the present embodiment. On the signature screen 80, a step display 61 indicating a step during the application information input process, a field 81 for inputting a signature, and an erase button 82 are displayed. The customer performs signature by writing characters directly in the signature field 81 with a stylus pen. When the delete button 82 is pressed, the input signature disappears and re-input is possible. The CPU of the tablet PC (client) 11 accepts an input of a signature and saves the accepted signature image in the RAM or HDD. When the signature is completed and the customer presses the “Next” button 65, a “Please tell clerk” screen (not shown) is displayed, and the application information input process by the customer ends.

  When a signature other than the applicant is required, such as when applying for a family card, a similar signature screen 80 is further displayed, and the CPU of the tablet PC (client) 11 inputs the signature image other than the applicant. The received signature image is stored in the RAM or HDD.

  FIG. 10 is a flowchart showing the flow of the electronic application form creation process in the present embodiment. The processing shown in this flowchart is executed in the tablet PC (client) 11. The CPU of the tablet PC (client) 11 executes an electronic application form creation process according to a predetermined condition, for example, when an input by pressing an application start button on the initial screen displayed on the touch screen is detected.

  In S101, the application information input process, that is, the process described with reference to FIGS. 4 to 9 is performed. The CPU of the tablet PC (client) 11 displays the screens shown in FIG. 4 to FIG. 9 in order on the touch screen, and stores the contents input according to the display in the RAM or HDD. In addition, the CPU of the tablet PC (client) 11 checks the input content according to the check method for each input item, and confirms whether there is any defect. By checking the input contents here, it is possible to reduce costs such as communication costs and labor costs for confirmation and correction that have conventionally occurred due to incomplete application forms. Thereafter, the process proceeds to S102.

  In S102, clerk confirmation processing is performed. The CPU of the tablet PC (client) 11 displays an attendant confirmation screen. The clerk confirmation screen is a screen that displays the input contents by the customer again so that the clerk confirms the input contents. After confirming the contents input by the customer, the staff presses a confirmation completion button displayed on the touch screen. Thereafter, the process proceeds to S103.

  In S103, an input process such as a payment method is performed. The CPU of the tablet PC (client) 11 sequentially displays a card PIN number input screen and a payment method input screen on the touch screen. On the payment method input screen, an input field for requesting input of contents to be entered in the account transfer request form such as an account number and a holder is displayed. The customer inputs the password and the payment method according to the instructions on the screen, and presses the input completion button. Thereafter, the process proceeds to S104.

In S104, an account transfer request document printing process is performed. The CPU of the tablet PC (client) 11 arranges the items input in S103 on the format of the account transfer request document prepared in advance, so that the account transfer request document and the reference number or content of this account transfer request document are displayed. A bar code included as information is generated and output to the printer 13. It is possible to speed up the card issuance process by immediately issuing a completed account transfer request form, stamping it, and shipping it. Further, since the barcode is printed, it becomes possible to easily associate the application and the account transfer request document by using a barcode reader when processing the account transfer request document at the center or the like. Thereafter, the process proceeds to S105.

  In S105, an identification image capturing process is performed. When receiving the input completion input, the CPU of the tablet PC (client) 11 displays on the touch screen a screen prompting the next acquisition of identification, and enters the acquisition input reception state. The clerk scans or photographs the customer's identification with a scanner or an external / built-in digital camera, and takes it into the tablet PC (client) 11, and finally presses the take-in completion button. The CPU of the tablet PC (client) 11 stores the captured identification image in the RAM or HDD, generates an application management information file indicating that the confirmation by the attendant has been completed, and stores the application management information file in the RAM or HDD. . In addition, it is good also as scanning or imaging | photography other than identification required for application, and taking in as attached information. By capturing the attached information, it is possible to quickly process even an application that requires proof other than identification. Thereafter, the process proceeds to S106.

  In S106, transfer information generation processing is performed. The CPU of the tablet PC (client) 11 generates an application information file, a signature image information file, and an identification image information file based on the information stored in the RAM or HDD through the processing up to S105. These files are associated with each other to indicate that they are files related to the same application by giving a file name by the method described above. Thereafter, the process proceeds to S107.

  In S107, a transfer process is performed. The CPU of the tablet PC (client) 11 transmits the application management information file, application information file, signature image information file, and identification image information file generated in the processes up to S106 to the tablet PC (server) 12 via the access point 14. To do. At this time, a secure communication method such as WPA (Wi-Fi Protected Access) is used for communication, and personal information is protected from eavesdropping and leakage. Thereafter, the process proceeds to S108.

  In S108, a deletion process is performed. The CPU of the tablet PC (client) 11 is input or generated in the processes up to S107 and temporarily stored in the RAM or HDD, and the application management information file, application information file generated in the transfer information generation process, The signature image information file and the identification image information file are deleted by a method that cannot be obtained again. In particular, it is preferable to overwrite a file stored in the HDD with random data a plurality of times. Thereafter, the processing shown in this flowchart ends.

  FIG. 11 is a flowchart showing the flow of the electronic application form transmission process in the present embodiment. The processing shown in this flowchart is executed in the tablet PC (server) 12.

  In S201, information reception processing is performed. The CPU of the tablet PC (server) 12 receives the application management information file, application information file, signature image information file and identification image information file transferred in S107 via the access point 14, and receives the received data in the RAM or HDD. save. Thereafter, the process proceeds to S202.

In S202, compression processing is performed. The CPU of the tablet PC (server) 12 compresses the application information file excluding the application management information file, the signature image information file, and the identification image information file among the received information. In the present embodiment, compression is performed in the ZIP format. Note that the compression format is an example in the present embodiment, and it is preferable to adopt an optimal compression format according to the implementation situation. Further, the file may be encrypted simultaneously with the compression.

  In S203, transmission processing is performed. The CPU of the tablet PC (server) 12 transmits the application information file, the signature image information file, and the identification image information file compressed in the process of S201 to the application server 32 via the Internet 20. At this time, PKI (Public Key Infrastructure) technology is used for communication to protect personal information, prevent falsification of information, and authenticate the transmission source. Thereafter, the process proceeds to S204.

  In S204, a deletion process is performed. The CPU of the tablet PC (server) 12 cannot re-acquire all the information temporarily stored in the RAM or HDD and the application information file, signature image information file, and identification image information file compressed by the compression process. Delete by method. Thereafter, the processing shown in this flowchart ends.

  Next, processing in the data center 30 will be described (illustration is omitted). The application server 32 receives the information transmitted in S203, and saves the decrypted and decompressed application information file, signature image information file, and identification image information file in the database server 33.

  The file transfer server 36 accesses the database server 33, extracts the application information file, signature image information file, and identification image information file saved from the application server 32 and transfers them to the server of the card company center 40. The card company can start the card issuance procedure based on the received information.

  According to this embodiment, in the past, exchange of paper documents for intention confirmation and identity confirmation occurred, and it took considerable time until the card was actually issued. When the identity verification based on the ID image information is completed immediately, the card can be issued much faster than before. In addition, it is possible to avoid the risk of loss of the original slip caused by the paper application form.

  In addition, since all communication is encrypted communication, and information that has been transferred / transmitted is completely deleted from the tablet PC, an excellent effect can be obtained from the viewpoint of protecting personal information.

It is the figure which showed the outline | summary of the structure of the card member acquisition system using the electronic application form system which concerns on embodiment. It is the figure which showed the outline of the data structure of the application information in embodiment. It is the figure which showed the outline of the data structure of the application management information in embodiment. It is the figure which showed the card | curd selection screen displayed on a touch screen in embodiment. It is the figure which showed the customer information input screen displayed on a touch screen in embodiment. It is the figure which showed the contact information input screen displayed on a touch screen in embodiment. It is the figure which showed the office information input screen displayed on a touch screen in embodiment. It is the figure which showed the agreement agreement screen displayed on a touch screen in embodiment. It is the figure which showed the signature screen displayed on a touch screen in embodiment. It is the flowchart which showed the flow of the electronic application form preparation process in embodiment. It is the flowchart which showed the flow of the electronic application form transmission process in embodiment.

Explanation of symbols

11 Tablet PC (client)
12 Tablet PC (server)
13 Printer 14 Access Point 15 PHS Base Station 20 Internet 21 ISP (Internet Service Provider)
22 PHS service network 30 Data center 31 Router 32 Application server 33 Database server 34 Operation management server 35 DNS server 36 File transfer server 40 Card company center 41 Host server

Claims (6)

A touch screen that doubles as an output device that displays an image and an input device that accepts input by contact on the screen of the output device;
Image capturing means for capturing identification information as image information;
An application information storage means for accepting input of application information for a service or product and storing the application information;
Signature image information storage means for storing signature image information of a handwritten signature received by the touch screen;
Identification image information storage means for storing the image information of the identification captured by the image capture means;
Associating means for associating the stored application information, the signature image information and the identification image information as related to the same application;
Information transmitting means for transmitting the application information and the signature image information associated by the associating means to a server via a network;
An electronic application system characterized by comprising: After the transmission by the information transmitting unit is completed, the application information, the signature image information, and the identification image information stored by the application information storage unit, the signature image information storage unit, and the identification image information storage unit are deleted. The electronic application form system according to claim 1, further comprising information erasing means. The printing apparatus according to claim 1, further comprising: a printing unit that prints a permission document that permits a withdrawal to an account of a financial institution to which a cost generated in connection with the provision of the service or product related to the application information is to be withdrawn. The electronic application form system according to claim 2. The electronic application system according to claim 3, wherein the printing unit further prints a barcode including information for identifying the licensed document on the licensed document. A computer having a touch screen that also serves as an output device that displays an image and an input device that accepts input by contact on the screen of the output device,
An image capture step for capturing identification as image information;
An application information storage step for accepting input of service or product application information and storing the application information;
A signature image information storage step of storing signature image information of a handwritten signature received and accepted by the touch screen;
An identification image information storage step for storing the image information of the identification captured in the image capturing step;
Associating the stored application information, the signature image information and the identification image information as related to the same application;
An information transmission step of transmitting the application information and the signature image information associated in the association step to a server via a network;
The electronic application method characterized by performing. A computer having a touch screen serving as both an output device for displaying an image and an input device for receiving an input by contact on the screen of the output device;
Image capturing means for capturing identification information as image information;
An application information storage means for accepting input of application information for a service or product and storing the application information;
Signature image information storage means for storing signature image information of a handwritten signature received by the touch screen;
Identification image information storage means for storing the image information of the identification captured by the image capture means;
Associating means for associating the stored application information, the signature image information and the identification image information as related to the same application;
Information transmitting means for transmitting the application information and the signature image information associated by the associating means to a server via a network;
An electronic application program characterized by functioning as

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