JP2018073206A - Registration system for voice print data for authentication of service use, registration server for voice print data for authentication of service use, registration system for application for service use, registration method for voice print data for authentication of service use, registration method for application for service use, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To ensure confirmation, via a terminal device, of even a person who is not preregistered without presenting a document for confirmation or the like at a counter in a bank or the like, and registration of a voice print for voice-print based on user authentication, thereby preventing illegal registration of voice prints.SOLUTION: The registration system 1 for voice print data for authentication of service use comprises a terminal device 10 including application data input means 11, image data input means 12 for inputting certificate data, a voice data input unit 13, a voice-print data registration request unit 15, and a transmission unit 18; and a server 20 including a reception unit 21 for receiving application data, certificate data and user voice data transmitted from the transmission unit 18, an application data registration unit 26 for storing application data and certificate data in an application data storage, a voice-print data generation unit 23 for generating voice print data from user voice data, and a voice-print data storage 24 for storing the voice-print data generated by the voice-print data generation unit 23 as voice print data for authentication of service use in association with the application data stored in the application data storage unit 27.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a service use authentication voiceprint data registration system in a system for performing application registration for using various services such as opening various accounts and using a credit card or loan card based on application data input from a user terminal device. The present invention relates to a service use authentication voiceprint data registration server, a service use application registration system, a service use authentication voiceprint data registration method, a service use application registration method, and a program.

Banks, securities companies, insurance companies, card companies, etc. offer various services to users, but in order to receive such services, users open accounts at banks that provide services, etc. It is necessary to apply for card usage. When applying for opening an account or using a card, it is necessary to submit an application form stating the prescribed items and present a driver's license certificate to verify the identity of the applicant. . The authenticity of the presented certificate is checked, and if it is authentic, a series of procedures from account opening to card issuance is performed.
In recent years, with the development of computer technology and the spread of mobile terminal devices, account application systems have been developed that can use mobile terminal devices to perform procedures such as account opening and card issuance from application.
For example, Japanese Patent Laid-Open No. 2014-21765 (Patent Document 1) discloses an account application system including a portable information terminal, an identity verification server, an account opening server, and the like. If the application selected from the guide is executed and the operation received from the applicant does not correspond to the one guide, an account application system for selecting and executing a guide different from the one guide is provided by the applicant. It is disclosed.
After opening an account, various services can be used using a mobile terminal. To that end, it is necessary to access (log in) an application (website) that performs various services. User authentication is performed to confirm whether or not the user is a registered user.
This user authentication is generally performed by a user ID and a password. That is, when the user accesses the application, the user inputs a user ID for identifying the user and a password for confirming that the user is the user, and the input user ID and the user ID in which the password is registered If the password matches, the application can be accessed (logged in).

In this case, since the password set for identity verification in the user authentication is composed of characters such as alphanumeric characters, there is a high risk of being stolen and illegally used. For this reason, as a means for user authentication, authentication (biometric authentication) using various biometric information is performed instead of password authentication or together with password authentication, and various systems have been proposed.
For example, Japanese Unexamined Patent Application Publication No. 2007-52680 (Patent Document 2) discloses a biological information acquisition unit that acquires biological information, a display unit that displays instructions to an operator, and an input unit that receives input from the operator. The biometric information is read by the biometric information acquisition unit based on the fact that the screen for guiding the information input of the biometric registrant's identity confirmation material is displayed and the information input guided by the screen is received by the input unit. A biometric information registration system is disclosed that includes a control unit that controls the display unit to display a screen for guiding the user.
In JP 2010-72688 A (Patent Document 3), the management terminal transmits biometric information and personal information to a server at the time of pre-registration, and creates an optical reading code including personal information and server designation information. The personal information included in the biometric information and the optical reading code is sent to the server based on the server designation information and the verification result is received from the server. A personal identification system that stores received biometric information and personal information in a personal information management database, collates based on the biometric information and personal information received at the time of personal authentication, and transmits the result to a management terminal is disclosed.
However, in the biometric information registration system of Patent Literature 2 and the identity verification system of Patent Literature 3, the biometric information is information read by an optical reading device such as a fingerprint, and the user can check the identity verification material or the There is a hassle of having to present biometric information and register biometric information.

By the way, in biometric authentication, there is voiceprint authentication using a voiceprint extracted from a user's voice.
This voiceprint authentication is performed as a simple and highly convenient authentication means compared to authentication using biometric information read by an optical reading device such as a fingerprint because the user performs authentication processing only by uttering voice. A system using this has also been proposed.
For example, Japanese Patent Laying-Open No. 2005-128307 (Patent Document 4) records voice print data of elements such as numbers and characters constituting a password for each registrant, and random password voice data formed by password forming means. And a voiceprint authentication system that determines that the determination requester is a registrant by comparing voice data formed by combining the voiceprint data of each element.
In Japanese Patent Application Laid-Open No. 2007-52496 (Patent Document 5), a password and voice print data of a user are registered in advance, and the speech spoken by the user is recognized by voice recognition, and the password registered in advance. A user authentication system that performs password authentication to determine whether the voice print data of the utterance voice of the password entered by the user matches the pre-registered voice print data of the user when the password authentication is successful Is disclosed.
Japanese Patent Application Laid-Open No. 2007-183972 (Patent Document 6) discloses an authentication processing system having a communication network, a plurality of terminal devices, and an authentication agent device. The user is authenticated using the site, the site that the user wants to use is identified, the individual authentication information corresponding to the identified site is extracted from the site information database, and the individual login information is generated, and this individual login There has been proposed an authentication processing system in which information is transmitted to a terminal device and the individual authentication information is transmitted to a site specified by a login unit of the terminal device.
In this authentication processing system, the user is obtained by biometric authentication using the biometric information (fingerprint information, voiceprint information, etc.) of the member (user) stored in the authentication database by the member registration process in the authentication proxy device. Security is improved by allowing users to log in to the site they want to use.

However, in Patent Document 4, since voiceprint data is registered in association with an ID that is uniquely set for a registrant and registered in advance, the voiceprint data is registered only for a person who has registered an ID in advance. Moreover, there is a risk that voiceprint data is illegally registered without confirming whether the voice data input at the time of registration of voiceprint data is the voice data of a genuine registrant.
Also, in Patent Document 5, voiceprint registration is performed by performing authentication with a user ID and a password for a person who has registered in advance, and the utterance voice input at the time of voiceprint registration is the utterance voice of a genuine registrant. There is a risk that the voiceprint is illegally registered.
Further, even in the member registration process in the authentication agent device of Patent Document 6, there is a problem in that when the biometric information is registered, the identity verification using the identity verification material is not performed, so that unauthorized registration due to spoofing cannot be prevented.
In addition, in Patent Document 6, in order to log in to a site by biometric authentication with an authentication agent device, there is an annoyance that a user must be registered in advance in each site and the site registered in the authentication agent device.

JP 2014-21765 A JP 2007-52680 A JP 2010-72688 A JP 2005-128307 A JP 2007-52496 A JP 2007-183972 A

  The problem to be solved by the present invention is that, when performing application registration for using various services such as opening an account based on application data input from the terminal device of the applicant, identity verification materials etc. Even if the user is not a pre-registered user from the terminal device, the identity verification is performed and the voiceprint registration for user authentication by the voiceprint is made, and the voiceprint can be prevented from being illegally registered, Also, when using other applications (services), it is possible to use the previously registered voiceprint to prevent unauthorized application and to reduce the load on the user.

  The present invention provides application data input means for inputting application data necessary for application for service use, certificate data input means for inputting certificate data required for use of the service, and voiceprint data for voice print data to the user. Voice print data registration request means for requesting registration, voice data input means for inputting user voice data issued by the user in response to a request from the voice print data registration request means, application data input from the application data input means, A terminal device comprising: certificate data input from the certificate data input means; and transmission means for transmitting user voice data input from the voice data input means; and the application transmitted from the transmission means. Receiving means for receiving data, the certificate data and the user voice data, and the receiving means Application data registering means for storing application data and certificate data in application data storage means; voiceprint data generating means for generating voiceprint data from the user voice data received by the receiving means; and voiceprint data generating means; Service usage authentication voice print data registration comprising a server provided with voice print data storage means for storing the generated voice print data as service use authentication voice print data in association with the application data stored in the application data storage means A system is provided to solve the above problems.

  The present invention, the server further comprises reception information transmission means for transmitting to the terminal device reception information for notifying the user that the reception means has received the application data and the certificate data, Voiceprint data registration requesting means, when the terminal device receives the received information transmitted from the received information transmitting means, utters voice to the user and requests voiceprint data registration for service use authentication voiceprint data registration A system is provided to solve the above problems.

  In the present invention, the server further includes authenticity determination means for determining the authenticity of the certificate data received by the receiving means and outputting the determination result, and the application data registration means includes the authenticity determination A service use authentication voiceprint data registration system for storing the application data and the certificate data received by the receiving unit in the application data storage unit based on the determination result output by the unit, It is a solution.

  The present invention provides application data input means for inputting application data necessary for application for service use, certificate data input means for inputting certificate data required for use of the service, and voiceprint data for voice print data to the user. Voice print data registration request means for requesting registration, voice data input means for inputting user voice data issued by the user in response to a request from the voice print data registration request means, application data input from the application data input means, A terminal device comprising: certificate data input from the certificate data input means; and first transmission means for transmitting user voice data input from the voice data input means; and the first transmission means. First receiving means for receiving the application data, the certificate data and the user voice data transmitted from Provision data temporary registration means for storing the application data and the certificate data received by one receiving means as provisional application data in the provisional application data storage means; voice print from the user voice data received by the first receiving means; Voice print data generating means for generating data, and voice print data stored by associating the voice print data generated by the voice print data generating means with service provision authentication voice print data in association with the temporary application data stored in the temporary application data storage means A first server comprising storage means and second transmission means for transmitting the provisional application data stored in the provisional application data storage means; and the provisional application data transmitted from the second transmission means. A second receiving means for receiving and a data selecting means for selecting genuine application data from the provisional application data received by the second receiving means; A service use authentication voiceprint comprising: a second server provided with an application data main registration unit for storing the genuine application data selected by the data selection unit as main application data in the main application data storage unit A data registration system is provided to solve the above problems.

  In the present invention, the second transmission means transmits reception information for notifying the user that the first reception means has received the application data and the certificate data to the terminal device, Voiceprint data registration requesting means, when the terminal device receives the reception information transmitted from the second transmission means, utters voice to the user and requests voiceprint data registration for service use authentication voiceprint data A registration system is provided to solve the above problems.

  In the present invention, the first server further includes authenticity determination means for determining authenticity of the certificate data received by the first receiving means and outputting the determination result, and the second transmission Means for transmitting the determination result output by the authenticity determination means, and the second reception means includes a service use authentication voiceprint data registration system for receiving the determination result transmitted by the second transmission means. Provided to solve the above problems.

  In the present invention, the terminal device further includes character string display means for displaying a character string, and the voiceprint data registration request means utters a voice to the user for a predetermined character string displayed on the character string display means. The present invention provides a service use authentication voiceprint data registration system that requests registration of voiceprint data.

  The present invention provides a service use authentication voiceprint data registration system in which the service use is any one of account opening, credit card use, and loan card use to solve the above-mentioned problems.

  The present invention relates to application data transmitted from a terminal device necessary for application for service use, certificate data necessary for use of this service, and user issued by a request from voice print data registration request means of this terminal device Receiving means for receiving voice data; application data registration means for storing the application data and certificate data received by the receiving means in application data storage means; and voice print data from the user voice data received by the receiving means Voice print data generating means for generating voice print data generated by the voice print data generating means as voice print data for service use authentication in association with the application data stored in the application data storage means; Provide a voice print data registration server for service use authentication with Is shall.

  The present invention further includes reception information transmission means for transmitting reception information for notifying the user that the reception means has received the application data and the certificate data, and the reception means receives the reception information. The user voice data is a user voice data issued by the user in response to a request from the voiceprint data registration request unit when the terminal device receives the reception information transmitted from the reception information transmission unit. A voice authentication data registration server for use authentication is provided to solve the above problems.

  The present invention further comprises authenticity determining means for determining authenticity of the certificate data received by the receiving means and outputting the determination result, and the application data registering means is output by the authenticity determining means. A service use authentication voiceprint data registration server for storing the application data and the certificate data received by the receiving unit in the application data storage unit based on the determination result is provided to solve the above problem. is there.

  The present invention solves the above problems by providing a service use authentication voiceprint data registration server in which the service use is any one of account opening, credit card use, and loan card use.

  The present invention provides a first application data input means for inputting first application data necessary for an application for use of the first service, and a second application data for inputting second application data required for an application for use of the second service. 2 application data input means, certificate data input means for inputting certificate data necessary for use of the first service, voice data input request means for requesting voice data to be input to the user, The first user voice data issued by the user in response to a request from the voice data input request means when applying for the first service, and the voice data input when applying for the second service Voice data input means for inputting second user voice data issued by the user in response to a request from the request means, and the input from the first application data input means 1 application data, the second application data input from the second application data input means, the certificate data input from the certificate data input means, and the voice data input means A terminal device comprising transmission means for transmitting the first user voice data and the second user voice data; the first application data transmitted from the transmission means; the second application data; Receiving means for receiving certificate data, the first user voice data and the second user voice data, and the first application data storage for receiving the first application data and the certificate data received by the receiving means. Generating first voice print data from first application data registration means to be stored in the means and the first user voice data received by the receiving means; and the receiving means Voice print data generating means for generating second voice print data from the received second user voice data, and the first voice print data generated by the voice print data generating means as the service use authentication voice print data as the first voice print data. Generated by the voiceprint data storage means stored in association with the first application data stored in the application data storage means, the first voiceprint data stored in the print data storage means, and the voiceprint data generation means Based on the collation result from the voiceprint data collating means and the voiceprint data collating means for collating the second voiceprint data and outputting the collation result, the second application data received by the receiving means is Providing a service use application registration system comprising a server provided with second application data registration means to be stored in the second application data storage means, It solves the problem.

  In the present invention, the server further includes reception information transmission means for transmitting reception information for notifying the user that the reception means has received the first application data and the certificate data to the terminal device. And the voice data input request means utters a voice to the user and requests input of the first user voice data when the terminal device receives the reception information transmitted from the reception information transmission means. A service use application registration system is provided to solve the above problems.

  In the present invention, the server further includes authenticity determination means for determining the authenticity of the certificate data received by the receiving means and outputting the determination result, wherein the first application data registration means includes the first application data registration means, Provided is a service use application registration system for storing the first application data and the certificate data received by the reception unit in the first application data storage unit based on the determination result output by the authenticity determination unit. Thus, the above problems are solved.

  In the present invention, the terminal device further includes character string display means for displaying a character string, and the voice data input request means utters a voice to the user for a predetermined character string displayed on the character string display means. The input of the first user voice data is requested, and the voice data input request means utters a voice to the user for the random character string displayed on the character string display means, and the second user voice data A service use application registration system that requests input of the above is provided to solve the above-described problems.

  The present invention provides a service use application registration system in which the first service use is an account opening and the second service use is a credit card use or a loan card use to solve the above problem. To do.

  The present invention provides the first application data required for the first service use application transmitted from the terminal device, the second application data required for the second service use application, and the first service use. First user voice data issued by a user in response to a request from the voice data input request unit of the terminal device, and a request from the voice data input request unit of the terminal device when using the second service. Receiving means for receiving second user voice data issued by a user, and first application data for storing the first application data and the certificate data received by the receiving means in a first application data storage means. First voice print data is generated from registration means and the first user voice data received by the receiving means, and the second user voice data received by the receiving means is generated. Voice print data generating means for generating second voice print data from the data, and the first voice print data generated by the voice print data generating means is stored in the first application data storage means as service use authentication voice print data. Voice print data storage means stored in association with the first application data; the first voice print data stored in the print data storage means; and the second voice print data generated by the voice print data generation means. Based on the collation result from the voiceprint data collating means for collating and outputting the collation result, the second application data received by the receiving means is stored in the second application data storage means based on the collation result from the voiceprint data collating means. A service use application registration server provided with a second application data registration means is provided to solve the above problem.

  The present invention further comprises reception information transmission means for transmitting reception information for notifying the user that the reception means has received the first application data and the certificate data, and receiving the reception information. The first user voice data received by the means is issued by the user in response to a request from the voice data input request means when the terminal device receives the reception information transmitted from the reception information transmission means. A service use application registration server, which is first user voice data, is provided to solve the above problems.

  The present invention further includes authenticity determination means for determining authenticity of the certificate data received by the receiving means and outputting the determination result, wherein the first application data registration means is the authenticity determination means. Providing a service use application registration server for storing the first application data and the certificate data received by the receiving unit in the first application data storage unit based on the determination result output by It solves the problem.

  The present invention provides a service use application registration server in which the first service use is an account opening and the second service use is a credit card use or a loan card use to solve the above problem. To do.

According to the present invention, in the terminal device, application data input means inputs application data necessary for application for service use, certificate data input means inputs certificate data required for use of the service, and voiceprint data registration request means Asks the user to register voiceprint data,
Voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means, and sending means inputs application data input from the application data input means, certificate data input means Certificate data input from the user and user voice data input from the voice data input means, and in the server, the receiving means transmits the application data, certificate data and the data sent from the transmission means. User voice data is received, the application data registration means stores the application data and the certificate data received by the receiving means in the application data storage means, and the voiceprint data generating means is the user received by the receiving means. Voice print data is generated from the voice data, and the voice print data storage means is generated by the voice print data generation means. Providing a service usage authentication voiceprint data registration method comprising a step of storing the voiceprint data as service usage authentication voiceprint data in association with the application data stored in the application data storage means. To do.

  The present invention further includes a step in which, in the server, the reception information transmission unit transmits the reception information for notifying the user that the reception unit has received the application data and the certificate data to the terminal device. The voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means, wherein the terminal device uses the reception information transmitted from the reception information transmission means. A service use authentication voiceprint data registration method performed upon reception is provided to solve the above-described problem.

  The present invention further comprises a step of determining whether the certificate data received by the receiving unit is true or false in the server, and outputting the determination result. The step of storing the application data and the certificate data received by the receiving means in the application data storage means provides a service usage authentication voiceprint data registration method performed based on the determination result output by the authenticity determination means. Thus, the above problems are solved.

  According to the present invention, in the terminal device, application data input means inputs application data necessary for application for service use, certificate data input means inputs certificate data required for use of the service, and voiceprint data registration request means Utters a voice requesting the user to register voiceprint data, the voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means, and the first transmission means includes: Sending application data input from the application data input means, certificate data input from the certificate data input means, and user voice data input from the voice data input means, and in the first server, The first receiving means transmits the application data, the certificate data and the user voice data transmitted from the first transmitting means. The application data temporary registration means stores the application data and the certificate data received by the first receiving means in the temporary application data storage means as temporary application data, and the voiceprint data generation means Voice print data is generated from the user voice data received by the first receiving means, and the voice print data storage means uses the voice print data generated by the voice print data generation means as service use authentication voice print data, and the provisional application data storage means And the second transmission means transmits the temporary application data stored in the temporary application data storage means, and the second server receives the second application means. Receives the provisional application data transmitted from the second transmission means, and the data selection means uses the provisional application data received by the second reception means. Service use authentication voice print data comprising a step of selecting correct application data, and the application data main registering unit stores the authentic application data selected by the data selecting unit in the application data storage unit as the main application data A registration method is provided to solve the above problems.

  According to the present invention, in the first server, the second transmission unit includes reception information for notifying the user that the first reception unit has received the application data and the certificate data. A step of transmitting to the terminal device, wherein the voice data input means inputs the user voice data issued by the user in response to a request from the voiceprint data registration request means; A service use authentication voiceprint data registration method performed when the reception information transmitted from the means is received is provided to solve the above-described problem.

  According to the present invention, in the first server, the authenticity determination means determines the authenticity of the certificate data received by the reception means, outputs the determination result, and the second transmission means includes the A service further comprising the step of transmitting the determination result output by the authenticity determination means, and the second receiving means receiving the determination result transmitted by the second transmission means in the second server. A use authentication voiceprint data registration method is provided to solve the above problems.

  The terminal device further includes a step of displaying a character string by a character string display unit, wherein the voice data input unit inputs user voice data issued by the user in response to a request from the voiceprint data registration request unit. The step of performing provides the service use authentication voiceprint data registration system performed for the predetermined character string displayed on the character string display means, and solves the above-mentioned problem.

  The present invention provides a service use authentication voiceprint data registration method in which the service use is any one of account opening, credit card use, and loan card use to solve the above-mentioned problems.

  The present invention provides a program for causing a computer to execute the service use authentication voiceprint data registration method to solve the above-mentioned problems.

  According to the present invention, in the terminal device, the first application data input unit inputs the first application data necessary for the application for the first service use, and the second application data input unit uses the second service use. The second application data necessary for the application is input, the certificate data input means inputs the certificate data necessary for using the first service, and the voice data input request means utters a voice to the user. Requesting input of voice data, wherein the voice data input means is a first user voice data issued by the user in response to a request from the voice data input request means when applying for the first service; and The second user voice data issued by the user in response to a request from the voice data input request means at the time of applying for the second service is input. The first application data input from the application data input means, the second application data input from the second application data input means, the certificate data input from the certificate data input means, and , Transmitting the first user voice data and the second user voice data input from the voice data input means, and in a server, the receiving means transmits the first application data transmitted from the transmission means, The second application data, the certificate data, the first user voice data, and the second user voice data are received, and the first application data registration unit receives the first application data received by the receiving unit. When the application data and the certificate data are stored in the first application data storage unit, the voice print data generating unit receives the first user sound received by the receiving unit. First voiceprint data is generated from the data, second voiceprint data is generated from the second user voice data received by the receiving means, and voiceprint data storage means is the first voiceprint data generated by the voiceprint data generating means. One voice print data is stored as service use authentication voice print data in association with the first application data stored in the first application data storage means, and a voice print data collating means is stored in the print data storage means. The first voice print data and the second voice print data generated by the voice print data generation means are collated, the collation result is output, and the second application data registration means is sent from the voice print data collation means. A service use application registration method comprising a step of storing the second application data received by the receiving means in a second application data storage means based on the collation result of To solve the above problems.

  According to the present invention, in the server, a reception information transmission unit transmits the reception information for notifying the user that the reception unit has received the first application data and the certificate data. The voice data input means inputs the first user voice data issued by the user in response to a request from the voiceprint data registration request means, wherein the terminal device transmits from the reception information transmission means A service use application registration method performed when the received information is received is provided to solve the above-described problem.

  The present invention further comprises a step in which the authenticity determination means in the server further determines the authenticity of the certificate data received by the reception means and outputs the determination result. However, the step of storing the first application data and the certificate data received by the receiving unit in the first application data storage unit is based on the determination result output by the authenticity determination unit. A use application registration method is provided to solve the above problems.

  The present invention further includes a step of displaying a character string by a character string display means in the terminal device, wherein the voice data input means is the first user issued by the user in response to a request from the voiceprint data registration request means. The step of inputting voice data is performed for a predetermined character string displayed on the character string display means, and the voice data input means sends the second data issued by the user in response to a request from the voiceprint data registration request means. The step of inputting user voice data provides a service use application registration method performed for a random character string displayed on the character string display means to solve the above problem.

  The present invention provides a service use application registration method in which the first service use is an account opening and the second service use is a credit card use or a loan card use to solve the above problem. To do.

  The present invention provides a program for causing a computer to execute the service use application registration method to solve the above-described problems.

  In the service use authentication voiceprint data registration system according to the first aspect of the invention, when performing application registration for using services such as opening various accounts based on application data inputted from the terminal device of the applicant, Without presenting identity verification materials, etc. at a bank counter, even if you are not a pre-registered user from the terminal device, certificate data for identity verification is submitted and voiceprint registration for user authentication by voiceprint is performed As a result, the voiceprint can be prevented from being illegally registered.

  In the service use authentication voiceprint data registration system according to the second aspect of the invention, when application data is input from the terminal device, a request for voiceprint data registration is made, and the load on the user who performs voiceprint registration is further reduced. It has the effect of being reduced.

  In the service use authentication voiceprint data registration system according to the third aspect of the present invention, the authenticity of the certificate data is determined, and the voiceprint data with high credibility is registered.

  In the service use authentication voiceprint data registration system according to the fourth aspect of the present invention, for using services such as opening various accounts in the second server based on the application data inputted from the terminal device of the applicant. When registering an application, certificate data for identity verification must be submitted from the terminal device to the first server without presenting identity verification materials at a bank or other window, even if the user is not a pre-registered user. Thus, the voice print registration for user authentication by the voice print is performed, and it is possible to prevent the voice print from being illegally registered.

  In the voice usage data registration system for service use authentication according to the fifth aspect of the invention, registration of voiceprint data is requested by inputting application data from a terminal device, and further, the load on the user who performs voiceprint registration is increased. It has the effect of being reduced.

  In the service use authentication voiceprint data registration system according to the sixth aspect of the present invention, the authenticity of the certificate data is determined, and voiceprint data with high credibility is registered.

  In the service use authentication voiceprint data registration system according to the seventh aspect of the present invention, the user is required to utter a voice for a predetermined character string displayed on the character string display means, and the user who performs voiceprint registration There is an effect that the load is reduced.

  In the voiceprint data registration system for service use authentication according to the eighth aspect of the present invention, the above-described effects can be obtained when opening an account, using a credit card, and using a loan card.

  In the service use authentication voiceprint data registration server of the invention according to claim 9, when performing application registration for using various services such as opening various accounts based on application data input from the terminal device of the applicant, Without presenting identity verification materials, etc. at a bank counter, even if you are not a pre-registered user from the terminal device, certificate data for identity verification is submitted and voiceprint registration for user authentication by voiceprint is performed As a result, the voiceprint can be prevented from being illegally registered.

  In the voice print data registration server for service use authentication according to the tenth aspect, registration of voice print data is requested when application data is input from a terminal device, and the load on the user who performs voice print registration is further reduced. It has the effect of being reduced.

  In the service use authentication voiceprint data registration server according to the eleventh aspect of the present invention, the authenticity of the certificate data is determined, and voiceprint data with high credibility is registered.

  In the service use authentication voiceprint data registration server according to the twelfth aspect of the present invention, the above-described effects are exhibited when an account is opened, a credit card is used, or a loan card is used.

  In the service use application registration system of the invention described in claim 13, when performing application registration for using services such as opening various accounts based on application data input from the terminal device of the applicant, Even if you are not a pre-registered user from the terminal device etc. without presenting personal identification materials at the window, the personal identification is performed and voiceprint registration for user authentication by voiceprint is done, and the voiceprint is illegally registered In addition, when other applications (services) are used, the previously registered voiceprint can be used to prevent unauthorized application and to reduce the burden on the user.

  In the service use application registration system according to the fourteenth aspect of the present invention, when the first application data is input from the terminal device, the input of the first user voice data is requested, and the first voiceprint There is an effect that the load on the user who registers data is reduced.

  In the service use application registration system according to the fifteenth aspect, the authenticity of the certificate data is determined, and the first voiceprint data with high credibility is registered.

  In the service use application registration system according to the sixteenth aspect of the invention, it is required to utter a voice to the user for a predetermined character string displayed on the character string display means and to request input of the first user voice data. Furthermore, there is an effect that the load on the user who registers the first voiceprint data is reduced.

  In the service use application registration system according to the seventeenth aspect of the present invention, the first service use is an account opening, and the second service use exhibits the above-described effect when a credit card or a loan card is used. .

  In the service use application registration server of the invention described in claim 18, when performing application registration for using services such as opening various accounts based on application data input from the terminal device of the applicant, Even if you are not a pre-registered user from the terminal device etc. without presenting personal identification materials at the window, the personal identification is performed and voiceprint registration for user authentication by voiceprint is done, and the voiceprint is illegally registered In addition, when other applications (services) are used, the previously registered voiceprint can be used to prevent unauthorized application and to reduce the burden on the user.

  In the service use application registration server according to claim 19, when the first application data is input from the terminal device, the input of the first user voice data is requested, and the first voiceprint There is an effect that the load on the user who registers data is reduced.

  In the service use application registration server according to the twentieth aspect, the authenticity of the certificate data is determined, and further, the first voiceprint data with high credibility is registered.

  In the service use application registration server of the invention according to claim 21, the first service use is an account opening, and the second service use exhibits the above effect when a credit card or a loan card is used. .

  In the service use authentication voiceprint data registration method of the invention described in claim 22, when performing application registration for using various services such as opening various accounts based on application data input from the terminal device of the applicant, Without presenting identity verification materials, etc. at a bank counter, even if you are not a pre-registered user from the terminal device, certificate data for identity verification is submitted and voiceprint registration for user authentication by voiceprint is performed As a result, the voiceprint can be prevented from being illegally registered.

  In the service use authentication voiceprint data registration method according to the twenty-third aspect of the present invention, when application data is input from the terminal device, a request for voiceprint data registration is made, and the load on the user who performs voiceprint registration is further increased. It has the effect of being reduced.

  In the service use authentication voiceprint data registration method according to the twenty-fourth aspect of the present invention, the authenticity of the certificate data is determined, and voiceprint data with high credibility is registered.

  In the service use authentication voiceprint data registration method according to the invention of claim 25, for using services such as opening various accounts in the second server based on the application data inputted from the terminal device of the applicant. When registering an application, certificate data for identity verification must be submitted from the terminal device to the first server without presenting identity verification materials at a bank or other window, even if the user is not a pre-registered user. Thus, the voice print registration for user authentication by the voice print is performed, and it is possible to prevent the voice print from being illegally registered.

  In the service use authentication voiceprint data registration method according to the twenty-sixth aspect of the invention, registration of voiceprint data is requested when application data is input from the terminal device, and the load on the user who performs voiceprint registration is further increased. It has the effect of being reduced.

  In the service use authentication voiceprint data registration method according to the twenty-seventh aspect of the present invention, the authenticity of the certificate data is determined, and voiceprint data with high credibility is registered.

  In the service use authentication voiceprint data registration method according to the twenty-eighth aspect of the invention, the user is required to utter a voice for a predetermined character string displayed on the character string display means. There is an effect that the load is reduced.

  In the usage authentication voiceprint data registration method according to the twenty-ninth aspect of the present invention, the above-described effects are exhibited when an account is opened, a credit card is used, or a loan card is used.

  The program according to the thirty-third aspect of the invention has the same effects as those of the voice authentication data registration method for use authentication.

  In the service use application registration method of the invention described in claim 31, when performing application registration for using services such as opening various accounts based on application data input from the terminal device of the applicant, Even if you are not a pre-registered user from the terminal device etc. without presenting personal identification materials at the window, the personal identification is performed and voiceprint registration for user authentication by voiceprint is done, and the voiceprint is illegally registered In addition, when other applications (services) are used, the previously registered voiceprint can be used to prevent unauthorized application and to reduce the burden on the user.

  In the service use application registration method according to the thirty-second aspect, when the first application data is input from the terminal device, the input of the first user voice data is requested, and further the first voiceprint There is an effect that the load on the user who registers data is reduced.

  In the service use application registration method according to the thirty-third aspect, the authenticity of the certificate data is determined, and further, the first voiceprint data with high credibility is registered.

  In the service use application registration method according to the thirty-fourth aspect of the invention, it is required to utter a voice to a user for a predetermined character string displayed on the character string display means and to request input of the first user voice data Furthermore, there is an effect that the load on the user who registers the first voiceprint data is reduced.

  In the service use application registration method according to the thirty-fifth aspect of the present invention, the first service use is for opening an account, and the second service use is effective when a credit card or a loan card is used. .

  The program according to the thirty-sixth aspect has the same effects as the invention of the service use application registration method.

It is a block diagram which shows the structure of 1st Embodiment of the voiceprint data registration system for service utilization authentication of this invention. It is a block diagram which shows the structure of 2nd Embodiment of the voiceprint data registration system for service utilization authentication of this invention. It is a block diagram which shows the structure of one Embodiment of the service use application registration system of this invention. 5 is a flowchart showing the operation of the service use authentication voiceprint data registration system 1. It is explanatory drawing which showed the example of the screen displayed on the display part 17 in operation | movement of the service use authentication voiceprint data registration system 1, and displayed first when the account opening application is started. FIG. 10 is an explanatory diagram showing a screen displayed on the display unit 17 for inputting image data (certificate data) in the operation of the service use authentication voiceprint data registration system 1. FIG. 10 is an explanatory diagram showing an example of a part of a screen that is displayed on the display unit 17 in the operation of the service use authentication voiceprint data registration system 1 and for inputting application data. This is a screen displayed on the display unit 17 in the operation of the service use authentication voiceprint data registration system 1. The voiceprint data registration request unit 15 displays a request for registration of voiceprint data for authentication from the user. It is explanatory drawing which showed the example of the screen. It is explanatory drawing which showed the example of the screen which is displayed on the display part 17 in the operation | movement of the service use authentication voiceprint data registration system 1, and inputs user audio | voice data. It is explanatory drawing which showed the example of the screen which is displayed on the display part 17 in the operation | movement of the service use authentication voiceprint data registration system 1, and inputs user audio | voice data. FIG. 6 is an explanatory diagram showing an example of a screen displayed on the display unit 17 in the operation of the service use authentication voice print data registration system 1 and displayed when the voice print data is stored in the voice print data storage unit 23; is there. It is explanatory drawing which showed the example of the screen displayed on the display part 17 in the operation | movement of the service use authentication voiceprint data registration system 1, and displayed when a process is complete | finished. It is the flowchart which showed operation | movement of the voiceprint data registration system 2 for service utilization authentication. 6 is a flowchart showing an operation related to first service use (account opening) of the service use application registration system 3; It is the flowchart which showed the operation | movement regarding the 2nd service utilization (utilization of a credit card) of the user service utilization application registration system 3. FIG. An example of a screen displayed on the display unit 67 in the operation relating to the second service usage (credit card usage), which is displayed when the voice data input request unit 65 requests voice input from the user, is shown. FIG. The screen displayed on the display unit 67 in the operation relating to the second service use (credit card use), which is displayed when the voice data input unit 63 is inputting the second user voice data. It is explanatory drawing which showed the example. This screen is displayed on the display unit 67 in the operation related to the second service use (credit card use), and after the voice data input unit 63 inputs the second user voice data, the voice print data matching unit 80 performs the matching. It is explanatory drawing which showed the example of the screen displayed before outputting a result. It is explanatory drawing which showed the example of the screen displayed on the display part 67 in the operation | movement regarding the 2nd service utilization (credit card utilization), Comprising: When a process is complete | finished.

[Configuration of voice print data registration system for service use authentication]
First, the configuration of the service use authentication voiceprint data registration system of the present invention will be described.
FIG. 1 is a block diagram showing a configuration of a first embodiment of a service use authentication voiceprint data registration system according to the present invention. FIG. 2 shows a service use authentication voiceprint data registration system according to a second embodiment of the present invention. It is a block diagram which shows a structure.
In FIG. 1, 1 is a service use authentication voiceprint data registration system, 10 is a terminal device, 11 is an application data input unit, 12 is an image data input unit serving as a certificate data input unit of the present invention, and 13 is a voice data input unit. , 14 is a data storage unit, 15 is a voice print data registration request unit, 16 is a character string storage unit, 17 is a display unit, 18 is a transmission unit, 19 is a reception unit, 20 is a server, 21 is a reception unit, and 22 is data storage. , 23 is a voice print data generation unit, 24 is a voice print data storage unit, 25 is a true / false determination unit, 26 is an application data registration unit, 27 is an application data storage unit, 28 is a reception information generation unit, and 29 is a reception of the present invention. A transmission unit serving as information transmission means, and L1 and L2 are communication lines.
In FIG. 2, 2 is a service use authentication voiceprint data registration system, 30 is a terminal device, 31 is an application data input unit, 32 is an image data input unit serving as a certificate data input unit of the present invention, and 33 is an audio data input unit. , 34 is a data storage unit, 35 is a voice print data registration request unit, 36 is a character string storage unit, 37 is a display unit, 38 is a transmission unit serving as the first transmission means of the present invention, 39 is a reception unit, and 40 is a book. A first server serving as a first server of the invention; 41 a receiving unit serving as a first receiving means of the present invention; 42 a data storage unit; 43 a voice print data generating unit; 44 a voice print data storage unit; False determination unit, 46 is a provisional application temporary registration unit, 47 is a provisional application data storage unit, 48 is a reception information generation unit, 49 is a transmission unit serving as the second transmission means of the present invention, and 50 is a second configuration of the present invention. The second server that becomes the server, 51 is the book A receiving unit serving as a clear second receiving means, 52 is a data storage unit, 53 is a display unit, 54 is a data selection unit, 55 is an application data main registration unit, and 56 is an application data storage unit, L3, L4 , L5 is a communication line.

[Voiceprint data registration system 1 for service use authentication]
As shown in FIG. 1, a service use authentication voiceprint data registration system 1 according to a first embodiment of the present invention includes a terminal device 10, a server 20, and communication lines L1 and L2 connecting the terminal device 10 and the server 20. Composed.

[Terminal Device 10]
As the terminal device 10, a mobile terminal device such as a smart horn or a terminal device such as a personal computer is used. In this embodiment, a mobile terminal device is used.
The terminal device 10 includes an application data input unit 11, an image data input unit 12, a voice data input unit 13, a data storage unit 14, a voiceprint data registration request unit 15, a character string storage unit 16, a display unit 17, and a transmission unit 18. The receiving unit 19 and the like.
The application data input unit 11 includes an input screen having a predetermined format displayed on the display screen of the display unit 17 of the terminal device 10, and the user (applicant) can open an account, credit card, Enter the necessary information to apply for the use of a service such as the use of a loan card (hereinafter referred to as "account opening"). Items input from the application data input unit 11 are temporarily stored in the data storage unit 14 as application data.
The image data input unit 12 is composed of a camera attached to the terminal device 10 and photographs the surface of a certificate (driver's license, etc.) that serves as identification information necessary for opening an account. And the like are taken into the terminal device 10 as image data. The certificate image data captured from the image data input unit 12 is temporarily stored in the data storage unit 14 as certificate data serving as identification information.
The voice data input unit 13 is composed of a microphone attached to the terminal device 10 and its control device, and takes in the voice uttered by the user as user voice data. In this case, the voice data input unit 13 takes in a voice uttered by the user as user voice data for a predetermined character string stored in the character string storage unit 16. User voice data input from the voice data input unit 13 is temporarily stored in the data storage unit 14.
The data storage unit 14 temporarily stores application data input from the application data input unit 11, image data (certificate data) input from the image data input unit 12, and user voice data input from the voice data input unit 13. After that, these data are sent to the transmitter 18.

The voiceprint data registration request unit 15 causes the display unit 17 to display a display prompting the user to register voiceprint data for authentication.
Further, the voiceprint data registration request unit 15 displays characters and the like for requesting voice input from the user so that the user utters voice and captures it from the voice input unit 13 when the user registers voiceprint data. To display.
The character string storage unit 16 stores a predetermined character string, for example, a 10-digit number in which 0 to 9 are continuous, for voice data input for registering voiceprint data.
The display unit 17 is composed of a display, its control device, and the like, and includes an input screen for inputting application data from the application data input unit 11 and an operation for capturing image data (certificate data) from the image data input unit 12. Display the screen.
The display unit 17 also displays a message for prompting the user from the voiceprint data registration request unit 15 to register voiceprint data, a character from the voiceprint data registration request unit 15 that requests voice input, and the like.
The transmission unit 18 transmits the application data, image data (certificate data), and user audio data sent from the data storage unit 14 to the server 20 via the communication line L1. In this case, the transmission unit 18 transmits application data and image data (certificate data) first, and then transmits user voice data.
The reception unit 19 receives reception information (reception information for notifying the user that application data and image data have been received) transmitted from the server 20.
Based on the received information received by the receiving unit 19, the display unit 17 is displayed to notify the user that the application data and the image data have been received, and the received information is stored in the voiceprint data registration request unit 15. Thus, the voiceprint data registration request unit 15 causes the display unit 17 to display a display for prompting the user to register the voiceprint data for authentication, and the user voice data is input from the voice data input unit 13. Is done.

[Certificate data]
In the present embodiment, a driver's license is used as a document for identifying an applicant (user) for opening an account, and image data obtained by photographing the driver's license with a camera serving as the image data input unit 12 is used. The certificate data. A driver's license is owned by many applicants for opening an account, and is difficult to counterfeit compared to other certificates, and authenticity determination is relatively easy. Data).
Note that the certificate data in the present invention is not limited to the image data of the driver's license, but may be image data obtained by photographing the items described in the insurance card, passport, etc. with a camera, such as an IC card driver's license or Data written on an IC chip such as a Juki card may also be used.

[Server 20]
The server 20 includes a reception unit 21, a data storage unit 22, a voice print data generation unit 23, a voice print data storage unit 24, a true / false determination unit 25, an application data registration unit 26, an application data storage unit 27, a reception information generation unit 28, and a transmission. It consists of part 29 grade | etc.,.
The receiving unit 21 receives application data, image data (certificate data), and user voice data transmitted from the terminal device 10 via the communication line L 1, and sends the received data to the data storage unit 22.
In addition, when the reception unit 21 completes the reception of the application data and the image data (certificate data), the reception unit 21 sends a signal (reception completion signal) indicating the completion to the reception information generation unit 28.
The data storage unit 22 temporarily stores application data, image data (certificate data), and user voice data received by the receiving unit 21.
Then, the data storage unit 22 sends user voice data to the voiceprint data generation unit 23 among the stored data, sends image data (certificate data) to the authenticity determination unit 25, and applies the application data and image data (certification). Document data) is sent to the application data registration unit 26.
The voiceprint data generation unit 23 is a spectrogram indicating how much frequency and how much sound is contained in which time from user voice data (user voice data for a predetermined character string) sent from the data storage unit 22. Voice print data represented by (a time, frequency, and intensity of signal component represented by a three-dimensional graph) is generated, and the generated voice print data is sent to the voice print data storage unit 24.
The voiceprint data storage unit 24 stores the voiceprint data generated by the voiceprint data generation unit 23 in association with the application data that is once stored in the data storage unit 22 and then stored in the application data storage unit 27. The association between the voiceprint data and the application data is performed, for example, by attaching to the voiceprint data the same application ID as the application ID that specifies the application data.

The authenticity determination unit 25 determines authenticity of the image data (certificate data) sent from the data storage unit 22. Specifically, a character / symbol is recognized from the image data by OCR processing of the image data (certificate data), and it is determined whether the recognized character / symbol conforms to a predetermined rule. For example, it is determined whether the driver's license number conforms to the numbering rule, whether the date of birth and the year of acquisition are appropriate, and whether the address prefecture and the Public Safety Commission are consistent.
If the recognized character / symbol conforms to the predetermined rule, the authenticity determination unit 25 gives a determination result of “no doubt of forgery”. If the recognized character / symbol does not conform to the predetermined rule Outputs a determination result of “suspected forgery” and sends the determination result to the application data registration unit 26.
The application data registration unit 26 receives the determination result of “suspected forgery” from the authenticity determination unit 25 among the application data and image data (certificate data) transmitted from the data storage unit 22. Is deleted, and the application data storage unit 27 stores the determination result of “no doubt of forgery” sent from the authenticity determination unit 25.
As a result, the application data storage unit 27 stores the genuine application data whose identity has been confirmed by the personal identification material (certificate data), and stores the genuine application data and the voiceprint data storage unit 24. The voiceprint data thus made will be associated.
Then, the user can use various applications related to the use of the applied service from the terminal device 10, and at that time, the user performs each voice print authentication based on the voice print data stored in the voice print data storage unit 24. You will be able to log in to the application.
In this embodiment, the application data registration unit 26 automatically deletes the application data for which the authenticity determination unit 25 has issued a determination result of “suspected forgery”. The determination result of the unit 25 and the certificate data are displayed on a display unit (not shown), it is determined whether or not the confirmer is counterfeit, and the application data and image data (finally determined by the confirmer to be authentic) Only the certificate data) may be stored in the application data storage unit 27 by the application data registration unit 26.

Based on the reception completion signal of the application data and image data (certificate data) sent from the reception unit 21, the reception information generation unit 28 receives the application data and the image data (certificate data). Reception information for notifying the user that the message has been received is generated, and the generated reception information is sent to the transmission unit 29.
The transmission unit 29 transmits the reception information sent from the reception information generation unit 28 to the terminal device 10 via the communication line L2.
In the terminal device 10, the reception unit 19 receives the reception information transmitted from the transmission unit 29 of the server 20, and the display unit 17 receives the application data and the image data based on the received reception information. Is displayed to the user, and the received information is sent to the voiceprint data registration request unit 15, whereby the voiceprint data registration request unit 15 prompts the user to register voiceprint data for authentication. Is displayed on the display unit 17, and user voice data is input from the voice data input unit 13.

[Service use authentication voiceprint data registration system 2]
As shown in FIG. 2, the service use authentication voiceprint data registration system 2 according to the second embodiment of the present invention includes a terminal device 30, a first server 40, a second server 50, a terminal device 30, and a second server. Communication lines L3 and L4 for connecting 40, and a communication line L5 for connecting the first server 40 and the second server 50.
The configuration of the terminal device 30 is the same as that of the terminal device 10 (FIG. 1), and the application data input unit 31, the image data input unit 32, the voice data input unit 33, the data storage unit 34, and the voiceprint data of the terminal device 30. The configuration / functions of the registration request unit 35, character string storage unit 36, display unit 37, transmission unit 38, and reception unit 39 are the application data input unit 11, image data input unit 12, and voice data input unit 13 of the terminal device 10, respectively. The configuration and function of the data storage unit 14, voice print data registration request unit 15, character string storage unit 16, display unit 17, transmission unit 10, and reception unit 19 are the same.

[First server 40]
The first server 40 includes a reception unit 41, a data storage unit 42, a voice print data generation unit 43, a voice print data storage unit 44, an authenticity determination unit 45, an application data temporary registration unit 46, a temporary application data storage unit 47, and reception information generation. The unit 48, the transmission unit 49, and the like.
Among these, the functions of the reception unit 41, the data storage unit 42, the voice print data generation unit 43, the voice print data storage unit 44, and the reception information generation unit 48 are respectively the reception unit 21 of the server 20 (FIG. 1), the data storage unit 22, The functions of the voiceprint data generation unit 23 and the voiceprint data storage unit 24 are almost the same.
That is, the receiving unit 41 receives application data, image data (certificate data), and user voice data transmitted from the terminal device 30 via the communication line L3, and sends these received data to the data storage unit 42. At the same time (the data is temporarily stored by the data storage unit 42), a reception completion signal of the application data and the image data (certificate data) is sent to the reception information generation unit 48.
The data storage unit 42 sends user voice data to the voiceprint data generation unit 43 among the stored data, sends image data (certificate data) to the authenticity determination unit 45, and applies application data and image data (certificate data). ) Is sent to the application data temporary registration unit 46.
The voiceprint data generation unit 43 generates voiceprint data from user voice data (voice data for a predetermined character string) sent from the data storage unit 42 and sends the generated voiceprint data to the voiceprint data storage unit 47.
The voiceprint data storage unit 44 stores the voiceprint data generated by the voiceprint data generation unit 43 in association with the temporary application data stored in the temporary application data storage unit 47 after being temporarily stored in the data storage unit 42. Similar to the association between the voiceprint data and the application data in the server 20, the voiceprint data and the provisional application data are associated by, for example, attaching the same application ID to the voiceprint data as the application ID for specifying the provisional application data.

The authenticity determination unit 45 performs authenticity determination on the image data (certificate data) sent from the data storage unit 42 in the same manner as the authenticity determination unit 25 of the server 20 (FIG. 1). The determination result of “no doubt” or the determination result of “suspect of forgery” is output, and this determination result is sent to the transmission unit 49. As described above, the authenticity determination unit 45 is different from the authenticity determination unit 25 that transmits the determination result to the application data registration unit 26 in that the determination result is transmitted to the transmission unit 49.
The application data temporary registration unit 46 stores the application data and image data (certificate data) sent from the data storage unit 42 in the temporary application data storage unit 47 as temporary application data (temporary application data). Application data and image data (certificate data) serving as provisional application data are sent to the transmission unit 49.
Thus, unlike the application data registration unit 26 of the server 20 (FIG. 1), the application data temporary registration unit 46 does not reflect the determination result of the authenticity determination unit 45, and is sent from the data storage unit 42. Are stored in the application data storage unit 47.
For this reason, the application data stored in the application data storage unit 47 by the application data temporary registration unit 46 is the application data stored in the application data storage unit 27 by the application data registration unit 26 as the temporary application data (authentication determination unit). This is distinguished from the result of reflecting the determination result of 25).

Similarly to the reception information generation unit 48 of the server 20 (FIG. 1), the reception information generation unit 48 is based on the reception completion signal of application data and image data (certificate data) sent from the reception unit 41. The reception unit 41 generates reception information for notifying the user that the application data and the image data (certificate data) have been received, and sends the generated reception information to the transmission unit 49.
The transmission unit 49 transmits the reception information transmitted from the reception information generation unit 48 to the terminal device 30 via the communication line L4.
In the terminal device 30, similarly to the terminal device 10, the reception unit 39 receives the reception information transmitted from the transmission unit 49 of the first server 40, and on the display unit 37 based on the received reception information, A message to notify the user that the application data and the image data have been received is displayed, and the received information is sent to the voiceprint data registration requesting unit 35, whereby the voiceprint data registration requesting unit 35 authenticates the user. A display for prompting registration of voiceprint data for use is displayed on the display unit 37, and user voice data is input from the voice data input unit 33.
The transmission unit 49 communicates the determination result sent from the authenticity determination unit 45 and the temporary application data (application data and image data (certificate data)) sent from the application data temporary registration unit 46. The data is transmitted to the second server 50 via the line L5.

[Second server 50]
The second server 50 includes a reception unit 51, a data storage unit 52, a display unit 53, a data selection unit 54, an application data main registration unit 55, a main application data storage unit 56, and the like.
The receiving unit 51 receives the provisional application data and the determination result transmitted from the first server 40 via the communication line L5, and sends the received provisional application data and the determination result to the data storage unit 52.
The data storage unit 52 temporarily stores the temporary application data and the determination result sent from the receiving unit 51, and then sends them to the display unit 53 and the data selection unit.
The display unit 53 displays the image data (certificate data) of the temporary application data sent from the data storage unit 52 and the determination result, and prompts the verifier to authenticate.
The data selection unit 54 selects authentic application data for which image data (certificate data) has not been forged from the provisional application data sent from the data storage unit 52 by the operation of the confirmer, and selects the selected authentic application. The application data is sent to the application data main registration unit 55.
The application data main registration unit 55 stores the genuine application data selected by the data selection 54 from the temporary application data in the main application data storage unit 56 as the main application data.
As a result, the application data storage unit 56 stores the genuine application data that has been verified by the identification data (certificate data), and the user can use the terminal device 30 to use the service for which the application has been applied. Various applications can be used.
At this time, the voice print data stored in the voice print data storage unit 44 of the first server 40 and the main application data stored in the main application data storage unit 56 are associated with each other by the application ID.
Then, the user can log in to each application by voiceprint authentication based also on the voiceprint data stored in the voiceprint data storage unit 24.
In this embodiment, the data selection unit 54 selects the genuine application data from the provisional application data by the confirmer's operation. Instead, the determination result sent from the data storage unit 52 is “forgery”. Temporary application data that is “no doubt” may be automatically selected as genuine application data.

  As described above, in the service use authentication voiceprint data registration systems 1 and 2, the user authentication voiceprint is applied when the terminal device 10 or 30 makes an application for service use with certificate data for identity verification. Since data registration is performed, the identity verification is performed from the terminal devices 10 and 30 even if the user is not registered in advance without presenting the personal identification data at a bank or the like. Data registration is performed, and voiceprint authentication based on the registered voiceprint data is performed without illegally registering voiceprint data, and the user can log in to each application.

[Configuration of service use application registration system]
Next, the configuration of the service use application registration system of the present invention will be described.
FIG. 3 is a block diagram showing a configuration of an embodiment of the service use application registration system of the present invention.
In FIG. 3, 3 is a service use application registration system, 60 is a terminal device, 61 is an application data input unit serving as first application data input means and second application data input means of the present invention, and 62 is a proof of the present invention. An image data input unit serving as a text data input unit, 63 is an audio data input unit, 64 is a data storage unit, 65 is an audio data input request unit, 66a is a character string storage unit, 66b is a character string generation unit, and 67 is a display unit , 68 is a transmission unit, 69 is a reception unit, 70 is an application registration server, 71 is a reception unit, 72 is a data storage unit, 73 is a voice print data generation unit, 74 is a voice print data storage unit, 75 is a true / false determination unit, 76 Is a first application data registration unit that is a first application data registration unit of the present invention, 77 is a first application data storage unit that is a first application data storage unit of the present invention, 78 is a reception information generation unit, and 79 is Received information of the present invention A transmission unit 80 serving as a transmission means, a voiceprint data collation unit 80, a second application data registration unit 81 serving as a second application data registration unit of the present invention, and a second application data storage unit 82 serving as a second application data storage unit of the present invention. 2 is an application data storage unit, and L6 and L7 are communication lines.

[Service use application registration system 3]
As shown in FIG. 3, the service use application registration system 3 according to an embodiment of the present invention includes a terminal device 60, an application registration server 70, and communication lines L 6 and L 6 that connect the terminal device 60 and the application registration server 70. Is done.

[Terminal device 60]
As the terminal device 60, a mobile terminal device such as a smart horn or a terminal device such as a personal computer is used in the same manner as the terminal device 10. In this embodiment, a mobile terminal device is used.
The terminal device 60 includes an application data input unit 61, an image data input unit 62, a voice data input unit 63, a data storage unit 64, a voice data input request unit 65, a character string storage unit 66a, a character string generation unit 66a, a display. The unit 67, the transmission unit 68, the reception unit 69, and the like.
The application data input unit 61 is used to input application data for applying for a plurality of service uses such as the first service use and the second service use (for example, application for opening an account and using a loan card). The screen is displayed on the display screen of the display unit 67 of the terminal device 60, and is composed of an input screen of a format set for each service use.
In the present embodiment, the first service use is account opening, and the second service use is credit card use.
The user (applicant) inputs necessary information for applying for the first service from the input screen for applying for the first service use (account opening) displayed on the display screen of the display unit 67. To do.
The user (applicant) is required to apply for the second service use from the input screen for applying for the second service use (credit card use) displayed on the display screen of the display unit 67. Enter the necessary items.
The items necessary for the first service use application and the second service use application input from the application data input unit 61 are stored as first application data and second application data, respectively. The data is temporarily stored in the unit 64.

The image data input unit 62 is composed of a camera attached to the terminal device 60 in the same manner as the terminal device 10, and includes a certificate (driver's license, etc.) that serves as identification information necessary for first service use (account opening). The surface is photographed, and items and the like described therein are taken into the terminal device 60 as image data. The certificate image data captured from the image data input unit 62 is temporarily stored in the data storage unit 64 as certificate data serving as identification information.
The voice data input unit 63 is configured by a microphone attached to the terminal device 60 and its control device and the like, like the terminal device 10, and takes in the voice uttered by the user as voice data.
In this case, the voice data input unit 63 takes in the voice uttered by the user as the first user voice data for the predetermined character string stored in the character string storage unit 66a when applying for the first service use. .
In addition, the voice data input unit 63 takes in the voice uttered by the user as the second user voice data for the random character string generated by the character string generation unit 66b at the time of applying for the second service.
The first user voice data and the second user voice data input from the voice data input unit 63 in this way are temporarily stored in the data storage unit 64.
The data storage unit 64 includes first application data and second application data input from the application data input unit 61, image data (certificate data) input from the image data input unit 62, and audio data input unit 63. The input first user voice data and second user voice data are temporarily stored, and then these data are sent to the transmitter 68.

The voice data input request unit 65 displays on the display unit 67 a message prompting the user to register voiceprint data for authentication, and when the user performs voiceprint data registration or authentication, the user utters a voice. In order to capture it from the voice input unit 63, the display unit 67 displays characters or the like that require the user to input voice.
The character string storage unit 66a stores a predetermined character string, for example, a 10-digit number in which 0 to 9 are consecutive, for voice data input for registering voiceprint data, and the character string generation unit 66b is a random number. A simple character string, for example, a random number.
The display unit 67 includes a display and its control device. The display unit 67 includes an input screen for inputting first application data and second application data from the application data input unit 61, and image data ( Displays the operation screen for importing (certificate data).
In addition, the display unit 67 displays a message for prompting the user from the voice data input request unit 65 to register voiceprint data, a character from the voice data input request unit 65 for requesting voice input, and the like.
The transmission unit 68 sends the first application data, the second application data, the image data (certificate data), and the first and second user voice data sent from the data storage unit 64 via the communication line L6. To the application registration server 70.
The receiving unit 69 receives the reception information transmitted from the application registration server 70 (reception information for notifying the user that the first application data and certificate data have been received).
Based on the received information received by the receiving unit 69, the display unit 67 is displayed to notify the user that the first application data and the image data have been received. As a result, the voice data input request unit 65 causes the display unit 67 to display a message for prompting the user to register voiceprint data for authentication, and the first data from the voice data input unit 63 is displayed. User voice data is input.

[Application registration server 70]
The application registration server 70 includes a reception unit 71, a data storage unit 72, a voice print data generation unit 73, a voice print data storage unit 74, a true / false determination unit 75, a first application data registration unit 76, a first application data storage unit 77, and a reception. An information generation unit 78, a transmission unit 79, a voice print data collation unit 80, a second application data registration unit 81, a second application data storage unit 82, and the like are included.
The receiving unit 71 receives first application data, second application data, image data (certificate data), and first and second user voice data transmitted from the terminal device 60 via the communication line L6. The received data is sent to the data storage unit 72.
Further, when the reception unit 71 completes reception of the first application data and image data (certificate data), the reception unit 71 sends a reception completion signal to the reception information generation unit 78.
The data storage unit 72 temporarily stores application data, image data (certificate data), and first and second user voice data received by the reception unit 71.
Then, the data storage unit 72 sends the first and second user voice data among the stored data to the voiceprint data generation unit 73, sends the image data (certificate data) to the authenticity determination unit 75, and The first application data and image data (certificate data) are sent to the first application data registration unit 76, and the second application data is sent to the second application data registration unit 81.
The voiceprint data generation unit 73 generates first voiceprint data from the first user voice data (voice data for a predetermined character string) sent from the data storage unit 72, and the generated first voiceprint data Is sent to the voiceprint data storage unit 74.
In addition, the voiceprint data generation unit 73 generates second voiceprint data from the second user voice data (voice data about a random character string) sent from the data storage unit 72, and generates the generated second voiceprint data. Are sent to the voiceprint data matching unit 80.
The voiceprint data storage unit 74 associates the first voiceprint data generated by the voiceprint data generation unit 73 with the first application data stored in the first application data storage unit 77 once stored in the data storage unit 72. Remember. The association between the first voice print data and the first application data is performed, for example, by attaching to the first voice print data the same application ID as the application ID that specifies the first application data.

The authenticity determination unit 75 performs the authenticity determination of the image data (certificate data) sent from the data storage unit 72 in the same manner as the authenticity determination of the authenticity determination unit 25 of the server 20. The determination result “No doubt” or the determination result “Suspected forgery” is issued, and this determination result is sent to the first application data registration unit 76.
Of the first application data and image data (certificate data) sent from the data storage unit 72, the first application data registration unit 76 receives a determination result of “suspected forgery” from the authenticity determination unit 75. What has been sent is deleted, and what has been sent a determination result of “no doubt of counterfeit” from the authenticity determination unit 75 is stored in the first application data storage unit 77.
As a result, the first application data storage unit 77 stores the authentic first application data that has been verified by the identification data (certificate data), and this authentic first application data. Are associated with the first voice print data stored in the voice print data storage unit 74.
Then, the user can use various applications related to the use of the first service for which application has been made from the terminal device 60, and the user can use the first voice print data stored in the voice print data storage unit 74 at that time. Based on voiceprint authentication based on, it is possible to log in to each application.
In the present embodiment, the first application data registration unit 76 automatically deletes the application data for which the authenticity determination unit 75 has issued a determination result of “suspected forgery”. The first application in which the determination result of the fake determination unit 75 and the certificate data are displayed on a display unit (not shown), whether or not the confirmer is counterfeit, and is finally determined to be authentic Only data and image data (certificate data) may be stored in the first application data storage unit 77 by the first application data registration unit 76.

Based on the first application data and the reception completion signal of the image data (certificate data) sent from the receiving unit 71, the reception information generating unit 78 receives the first application data from the receiving unit 71 of the application registration server 70. And receiving information for notifying the user that the image data (certificate data) has been received, and sending the generated receiving information to the transmitter 79.
The transmission unit 79 transmits the reception information sent from the reception information generation unit 78 to the terminal device 60 via the communication line L7.
In the terminal device 60, the reception unit 69 receives the reception information transmitted from the transmission unit 79 of the application registration server 70, and on the display unit 67, the first application data and the image are received based on the received reception information. A message to notify the user that the data has been received is displayed, and the received information is sent to the voice data input requesting unit 65, so that the voice data input requesting unit 65 prompts the user for authentication voiceprint data. The display 67 is displayed on the display unit 67, and the first user voice data is input from the voice data input unit 63.

The voiceprint data collation unit 80 collates the second voiceprint data sent from the voiceprint data generation unit 73 with the first voiceprint data stored in the voiceprint data storage unit 74, and the difference is small and within a certain range. If it is within (threshold value), the collation result that the voiceprint data is collated successfully (authentication success) is output, and if not, the collation result that the voiceprint data collation is unsuccessful (authentication unsuccessful) is output. The output collation result is sent to the second application data registration unit 81.
The second application data registration unit 81 deletes the second application data sent from the data storage unit 72, which has received a determination result indicating that authentication is unsuccessful from the voice print data matching unit 80, The second application data storage unit 82 stores the result of the authentication verification failure sent from the data verification unit 80.
As a result, the user can use various applications related to the use of the second service for which the application has been made from the terminal device 60. At that time, the user can use the second service in the same manner as the first service use. With regard to the above, it is possible to log in to each application by voiceprint authentication based also on the first voiceprint data stored in the voiceprint data storage unit 84.
The application registration server 70 includes a voice recognition unit, and the voice recognition data generation unit 73 performs voice recognition of the second user voice data before the voice print data generation unit 73 generates the second voice print data (in this case, And determining whether the second user voice data matches the random character string generated by the character string generation unit), and when the voice recognition is successful, the voiceprint data generation unit 73 generates the second voiceprint data. Then, the generated second voice print data may be sent to the voice print data collation unit 80, and if the voice recognition is unsuccessful, the voice print data collation unit 80 may output a verification result of unsuccessful authentication.

As described above, in the service use application registration system 3, when applying for the first service use accompanied by the certificate data for identity verification from the terminal device 80, the voice print data for user authentication is registered. Therefore, even if the user is not a pre-registered user, the identity verification is performed and registration of the voiceprint data for user authentication is performed from the terminal device 80 without presenting the identity verification material or the like at a window such as a bank. Voiceprint authentication based on the registered voiceprint data is performed without illegally registering the voiceprint data, and the user can log in to each application related to the use of the first service.
Further, in the service use application registration system 3, when the second service use application is made from the terminal device 80, user authentication using the voice print data registered when the first service use application is made is performed. As a result, unauthorized application for use of the second service is prevented, and it is not necessary to register voice print data for user authentication in the use of the second service, thereby reducing the load on the user.

Next, operations of the service use authentication voiceprint data registration system 1, the service use authentication voiceprint data registration system 2, and the service use application registration system 3 will be described with specific examples.
[Operation of Voiceprint Data Registration System 1 for Service Use Authentication]
4 is a flowchart showing the operation of the service use authentication voiceprint data registration system 1. FIGS. 5 to 12 show screens displayed on the display unit 17 in the operation of the service use authentication voiceprint data registration system 1. FIG. It is explanatory drawing which showed the example.
The operation of the service use authentication voiceprint data registration system 1 will be specifically described below with reference to the drawings.

First, in the terminal device 10, an application for opening an account is started as a service use application (S1).
FIG. 5 is an explanatory diagram showing a screen that is initially displayed when an account opening application is activated. In the figure, 100 is a display screen, 101 is a button, and 102 is a text display unit.
As shown in FIG. 5, a button 101 with the words “open account” is displayed at the top of the display screen 100, and a text display section 102 below it displays “Driver's license as identity verification document”. Proof. " Is displayed.
Next, the image data input unit 12 inputs image data (certificate data) of a certificate that serves as personal identification material necessary for opening an account (S2).
Specifically, when the user presses the button 101 displayed on the display screen 100, an image data (certificate data) input screen is displayed, and image data (certificate data) is input by the user's operation. The
FIG. 6 is an explanatory diagram showing a screen for inputting image data (certificate data). In the figure, reference numeral 103 denotes a character display unit, and reference numeral 104 denotes a button.
As shown in FIG. 6, characters “shooting a driver's license” are displayed on the character display portion 103 provided at the top of the display screen 100, and characters “shoot” are displayed at the bottom of the display screen 100. A button 104 marked with is displayed.
When the user presses the button 104, the terminal device 10 enters the camera mode, and image data (certificate data) is obtained by operating the camera provided in the terminal device 10 and photographing the front and back surfaces of the driver's license. Entered.
The image data (certificate data) input in this way is temporarily stored in the data storage unit 14.

Next, the application data input unit 11 inputs application data necessary for applying for an account opening (S3).
FIG. 7 is an explanatory diagram showing a part of a screen for inputting application data. In the figure, reference numeral 105 denotes a character display unit, and 106a to 106d denote boxes for character input.
As shown in FIG. 7, the character display portion 105 of the display screen 100 includes “name (full-width)”, “last name”, “first name”, “reading (full-width katakana)”, “last name”, “ "First name" is displayed, and boxes 106a to 106d are displayed to the right of the characters "Last name" and "First name".
The user operates the terminal device 10 to input the user's first and last name in the boxes 106a to 106d.
Further, the display screen 100 displays a box (not shown) for inputting items necessary for opening an account such as date of birth, sex, and work place information, and the user operates the terminal device 10. Then, enter the specified items in each box.
As a result, items necessary for applying for an account opening are input as application data, and the input application data is temporarily stored in the data storage unit 14.
Next, the transmission unit 18 of the terminal device 10 transmits the application data and image data (certificate data) stored in the data storage unit 14 to the server 20 via the communication line L1, and the reception unit 21 of the server 20 Receives the transmitted application data and image data (certificate data) (S4).

Next, in the server 20, the reception information generation unit 28 notifies the user that these data have been received based on the reception completion signal of the application data and image data (certificate data) sent from the reception unit 21. The transmission unit 29 transmits the reception information to the terminal device 10 via the communication line L2, and the reception unit 19 of the terminal device 10 receives the reception information (S5).
Then, on the terminal device 10 side, based on the reception information received by the receiving unit 19, the display unit 17 displays that the application data and the image data (certificate data) have been received, and a voiceprint data registration request. The unit 15 performs a display requesting the user to register voiceprint data for authentication (S6).
FIG. 8 is an explanatory view showing a screen on which the voice print data registration requesting unit 15 displays a request for requesting the user to register voice print data for authentication. In the figure, 107a and 107b are text display units, Reference numeral 106 denotes a button.
As shown in FIG. 8, the text “Registration has not been completed” is displayed in the text display portion 107 a at the top of the display screen 100, and “Oh,” is displayed in the text display portion 107 b below it. "Thank you for the application." Is displayed, and at the bottom of the display screen 100, a button 108 with the text "Click here to register your voice" is displayed.
The text displayed in the text display sections 107a and 107b means that an application for opening an account has been accepted, but the registration has not been completed, and that application data and image data (certificate data) have been received by the user. Will be displayed.
The character attached to the button 108 is a display requesting the user to register voiceprint data for authentication.

Next, the voice data input unit 13 inputs user voice data (S7).
Specifically, when the user presses the button 108 displayed on the display screen 100 shown in FIG. 8, a screen for inputting voice print data and user voice data for registration is displayed, and the user voice data is input. .
9 and 10 are explanatory diagrams showing screens for inputting user voice data. In the figure, 109 is a character display unit, 110 is a pronunciation character display unit, 111 and 113 are sentence display units, 112, 114 is a button.
In this step S 7, first, as shown in FIG. 9, the character “Voice Registration” is displayed on the character display unit 108 at the top of the display screen 100, and the text display unit 111 at the bottom of the display screen 100 is displayed. Displays a sentence “Please press the registration start button and speak slowly,” and below that a button 112 with the word “registration start” is displayed.
The phonetic character display unit 110 at the upper center of the display screen 100 displays numbers 0 to 9 which are predetermined character strings stored in the character string storage unit 16 and their readings in two upper and lower rows. The That is, the numbers 0, 1, 2, 3, 4 and their readings are displayed in the upper part of the phonetic character display unit 110, and the numbers 5, 6, 7, 8, 9 and their readings are displayed in the lower part.
When the user presses the button 112 on the display screen 100 shown in FIG. 9, the display screen 100 as shown in FIG. 10 is displayed. In other words, the display in the lower half of the display screen 100 is different from the screen shown in FIG. 9, and “Please speak your number slowly.” After reading the number, press “End”. ”Is displayed, and a button 114 with“ END ”characters is displayed below it.
Therefore, when the user pronounces the numbers from 0 to 9 displayed on the phonetic character display unit 110 according to the reading attached thereto, and presses the button 114, the voice data input unit 13 inputs the user voice data. To do.
The user voice data input in this way is temporarily stored in the data storage unit 14.

Next, the transmission unit 18 of the terminal device 10 transmits the user voice data transmitted from the data storage unit 14 to the server 20 via the communication line L1, and the user voice data transmitted from the reception unit 21 of the server 20 is transmitted. Is received (S8).
User voice data received by the receiving unit 21 is temporarily stored in the data storage unit 22 and then sent to the voiceprint data generation unit 23. The voiceprint data generation unit 23 generates voiceprint data from the received user voice data. Then, the generated voiceprint data is stored in the voiceprint data storage unit 24 (S9).
The voiceprint data stored in the voiceprint data storage unit 23 is associated with the application data stored in the application data storage unit 27. This association is, for example, the same application as the application ID that identifies the application data. This is done by attaching an ID to voiceprint data.
FIG. 11 is an explanatory diagram showing a screen displayed when voiceprint data is stored in the voiceprint data storage unit 23. In FIG. 11, reference numeral 115 denotes a character display unit, and 116 and 117 denote sentence display units.
As shown in FIG. 11, the character display unit 115 at the top of the display screen 100 displays the character “Voice registration complete”, and the sentence display unit 116 at the upper center of the display screen 100 displays “Voice registration”. Is displayed, and the text display section 117 below it will be able to use the "voice login" service from the next login. "Is displayed.
This is because the voiceprint data is registered to the user, the user authentication is performed by the registered voiceprint data (voiceprint data stored in the voiceprint data storage unit 23), and the user can log in to the application related to the account opening for which the application is made. It is to inform.

Thereafter, in the server 20, image data (certificate data) once stored in the data storage unit 22 is sent to the authenticity determination unit 25, and the authenticity determination unit 25 sends the received image data (certificate). (Data) authenticity determination is performed, a determination result of “suspected forgery” or “no doubt of forgery” is issued, and this determination result is sent to the application data registration unit 26 (S10).
Finally, the application data registration unit 26 sends a determination result “suspected forgery” from the authenticity determination unit 25 out of the application data and image data (certificate data) sent from the data storage unit 22. The application data storage unit 27 stores the result of the determination of “no suspicion of forgery” sent from the authenticity determination unit 25 (S11), and ends the process.
FIG. 12 is an explanatory diagram showing a screen displayed when the processing is completed. In the figure, 118 is a text display unit, 119 is an application ID display unit, 120 is a service usage type display unit, and 121 is a button. is there.
As shown in FIG. 12, in the text display section 118 at the top of the display screen 100, press the “Confirm” button if the application is correct. Is displayed on the application ID display section 119 below it, and the reception number serving as the application ID for identifying the application is displayed on the application ID display section 119 below the application usage display section 120. Displays the desired product / service, “account (ordinary deposit)” and the type of service use, and a button 121 with the word “confirm” is displayed at the bottom of the display screen 100. Yes.
Then, when the user presses the button 121, the registration of the voiceprint data for authentication and the procedure for applying for an account are completed, and the account is opened.
As a result, the user can use various applications related to the opened account from the terminal device 10, and at that time, the user can authenticate each application by voiceprint authentication based on the voiceprint data stored in the voiceprint data storage unit 24. You will be able to log in.

[Operation of Voiceprint Data Registration System 2 for Service Use Authentication]
FIG. 13 is a flowchart showing the operation of the service use authentication voiceprint data registration system 2.
The operation of the service use authentication voiceprint data registration system 2 will be specifically described below with reference to FIG.

Of the operations of the service use authentication voiceprint data registration system 2, the operations of steps S21 to S29 are the same as the operations of steps S1 to S9 of the service use authentication voiceprint data registration system 1 shown in FIG.
That is, in the terminal device 30, first, an application for opening an account is started as an application for using the service (S 21), and the image data input unit 32 uses the certificate image data (certification as the personal identification material necessary for opening the account). Document data) is input (S22), and the input image data (certificate data) is temporarily stored in the data storage unit.
Next, the application data input unit 31 inputs application data necessary to apply for opening an account (S23), and the input application data is temporarily stored in the data storage unit 34.
Next, the transmission unit 38 of the terminal device 30 transmits the application data and image data (certificate data) stored in the data storage unit 34 to the first server 40 via the communication line L3. The receiving unit 41 receives the transmitted application data and image data (certificate data) (S24).
Next, in the first server 40, based on the reception completion signal of the application data and image data (certificate data) sent from the receiving unit 41, the reception information generating unit 48 informs the user that these data have been received. The reception information for notification is generated, the transmission unit 49 transmits this reception information to the terminal device 30 via the communication line L4, and the reception unit 39 of the terminal device 30 receives this reception information (S25).
Then, on the terminal device 30 side, based on the reception information received by the receiving unit 39, the display unit 37 is displayed to notify that the application data and the image data (certificate data) have been received, and a voiceprint data registration request The unit 35 performs a display requesting the user to register voiceprint data for authentication (S26).
Next, the voice data input unit 33 inputs user voice data (S27). The input user voice data is temporarily stored in the data storage unit 34, and then the transmission unit 38 is sent from the data storage unit 34. The incoming user voice data is transmitted to the server 40 via the communication line L3, and the receiving unit 41 of the server 40 receives the transmitted user voice data (S28).
User voice data received by the receiving unit 41 is temporarily stored in the data storage unit 42 and then sent to the voiceprint data generation unit 43. The voiceprint data generation unit 43 generates voiceprint data from the transmitted user voice data. The generated voiceprint data is stored in the voiceprint data storage unit 44 (S29).
The voiceprint data stored in the voiceprint data storage unit 43 is associated with the temporary application data stored in the temporary application data storage unit 47. This association is, for example, an application ID for specifying the temporary application data and an application ID. This is done by attaching the same application ID to voiceprint data.

Thereafter, in the first server 40, the image data (certificate data) once stored in the data storage unit is sent to the authenticity determination unit 45, and the authenticity determination unit 45 sends the received image data (certification). (Data) is determined, and a determination result of “suspected forgery” or “not suspected of forgery” is output, and this determination result is sent to the transmission unit 49 (S30).
In parallel with the operation (processing) of step S30, the application data temporary registration unit 46 converts the application data and image data (certificate data) sent from the data storage unit 42 into temporary application data (provisional application data). Are stored in the provisional application data storage unit 47, and application data and image data (certificate data) to be provisional application data are sent to the transmission unit 49 (S31).
Next, the transmission unit 49 communicates the determination result transmitted from the authenticity determination unit 45 and the temporary application data (application data and image data (certificate data)) transmitted from the application data temporary registration unit 46. The data is transmitted to the second server 50 via the line L5, and the reception unit 51 of the second server 50 receives this, and sends the received provisional application data and the determination result to the data storage unit 52 (S32).
Further, the image data (certificate data) of the provisional application data stored in the data storage unit 52 and the determination result are displayed on the display unit 53, and the verifier is prompted to confirm the authenticity.
Next, the data selection unit 54 selects and selects authentic application data in which image data (certificate data) is not forged from the temporary application data sent from the data storage unit 52 by the operation of the confirmer. Authentic application data is sent to the application data main registration unit 55 (S33).
Finally, the application data main registration unit 55 stores the genuine application data selected by the data selection 54 from the provisional application data in the application data storage unit 56 as the main application data (S34), and the process is terminated.
Then, as in the case of the service use authentication voiceprint data registration system 1, the user presses the button 121 (FIG. 12) displayed on the display screen of the display unit 37 of the terminal device 30, thereby authenticating voiceprint data. Registration and account opening application procedures are completed and an account will be opened.
As a result, the user can use various applications related to the opened account from the terminal device 30. At that time, the user can use each of the applications by voiceprint authentication based on the voiceprint data stored in the voiceprint data storage unit 24. You will be able to log in.

[Operation of Service Use Application Registration System 3]
The operation of the service use application registration system 3 includes operations from the first service use (account opening) application to voiceprint data registration and application registration (account opening) (first service use operation), and second operation. Can be divided into operations (operations related to second service use) from application to registration (use of credit card) to registration.
The operation relating to the first service utilization (account opening) and the second service utilization (credit card utilization) will be described below.

[Operations related to first service use (account opening)]
FIG. 14 is a flowchart showing an operation related to the first service use (account opening) of the service use application registration system 3.
Hereinafter, based on FIG. 14, the operation | movement regarding the 1st service utilization (account opening) of the service utilization application registration system 3 is demonstrated concretely.

The operation related to the first service use (account opening) of the service use application registration system 3 is the same as the operation of the service use authentication voiceprint data registration system 1 shown in FIG.
That is, in the terminal device 60, first, an application for opening an account is started as the first service use application (S41), and the image data input unit 62 uses the certificate image as the personal identification data necessary for opening the account. Data (certificate data) is input (S42), and the input image data (certificate data) is temporarily stored in the data storage unit 64.
Next, the application data input unit 61 inputs first application data necessary for applying for an account opening (S43), and the input first application data is temporarily stored in the data storage unit 64. .
Next, the transmission unit 68 of the terminal device 60 transmits the first application data and image data (certificate data) stored in the data storage unit 64 to the application registration server 70 via the communication line L6. The receiving unit 71 of the registration server 70 receives the transmitted first application data and image data (certificate data) (S44).
Next, in the application registration server 70, the reception information generation unit 78 has received these data based on the reception completion signal of the first application data and image data (certificate data) sent from the reception unit 71. Is received, the transmission unit 79 transmits the reception information to the terminal device 60 via the communication line L7, and the reception unit 69 of the terminal device 60 receives the reception information ( S45).

Then, on the terminal device 60 side, based on the reception information received by the receiving unit 69, the display unit 67 is displayed to notify that the first application data and the image data (certificate data) have been received. The data input request unit 55 performs a display requesting the user to register voiceprint data for authentication (S46).
Next, the audio data input unit 63 inputs the first user audio data (S47), and the input first user audio data is temporarily stored in the data storage unit 64, and then the transmission unit 68 stores the data. The first user voice data sent from the unit 64 is transmitted to the application registration server 70 via the communication line L6, and the receiving unit 71 of the application registration server 70 receives the transmitted first user voice data. (S48).
The first user voice data received by the receiving unit 71 is temporarily stored in the data storage unit 72 and then sent to the voiceprint data generation unit 73. The voiceprint data generation unit 73 sends the first user voice data sent thereto. First voiceprint data is generated from the data, and the generated voiceprint data is stored in the voiceprint data storage unit 64 (S49).
The first voice print data stored in the voice print data storage unit 74 is associated with the first application data stored in the first application data storage unit 77. This association is, for example, the first application data stored in the first application data storage unit 77. This is done by attaching to the voiceprint data the same application ID as the application ID that identifies the application data.

Thereafter, in the application registration server 70, the image data (certificate data) once stored in the data storage unit 72 is sent to the authenticity determination unit 75, and the authenticity determination unit 75 sends the received image data ( (Certificate data) is determined, and a determination result of “suspected forgery” or “not suspected of forgery” is issued, and this determination result is sent to the first application data registration unit 76 (S50).
Finally, the first application data registration unit 76 determines that there is “suspected forgery” from the authenticity determination unit 75 out of the first application data and image data (certificate data) sent from the data storage unit 72. The one sent with the determination result is deleted, and the one sent with the determination result “no doubt of forgery” sent from the authenticity determination unit 75 is stored in the first application data storage unit 77 (S51). finish.
Then, as in the case of the service use authentication voiceprint data registration system 1, the user presses the button 121 (FIG. 12) displayed on the display screen of the display unit 67 of the terminal device 60, thereby authenticating voiceprint data. Registration and first service usage (account opening) application procedures are completed and an account is opened.
Thereby, the user can use various applications related to the opened account from the terminal device 60. At that time, the user can perform voice print authentication based on the first voice print data stored in the voice print data storage unit 74. You will be able to log in to each application.
At this time, the first application data stored in the first application data storage unit 77 and the first voice print data stored in the voice print data storage unit 74 are assigned the newly set user ID, and the user When the user ID is input and voiceprint authentication is performed, the user logs in to each application.
In addition, the user can use voice print authentication based on the first voice print data stored in the voice print data storage unit 74 in the application for the second service use (use of a credit card).

[Operations related to second service use (credit card use)]
FIG. 15 is a flowchart showing the operation related to the second service use (credit card use) of the service use application registration system 3, and FIGS. 16 to 19 show the second service use (credit card use). It is explanatory drawing which showed the example of the screen displayed on the display part 67 in operation | movement.
The
The operation relating to the second service use (credit card use) of the service use application registration system 3 will be specifically described below with reference to the drawings.

First, in the terminal device 60, a credit card use application is activated as a second service use application (S61).
The display unit 67 displays a screen (not shown) for inputting items necessary for applying for the second service use (credit card use), and the user inputs the items displayed on this screen. By doing so, the application data input part 61 inputs the 2nd application data required in order to apply for the use of a credit card (S62).
At this time, in order to apply for the second service use (credit card use), the user inputs the user ID set when applying for the first service use (account opening). Among necessary items, it is possible to omit the input of items that are the same as those necessary for applying for the first service use (account opening) that has been input in advance.
The second application data input in this way is temporarily stored in the data storage unit 64, and then the transmission unit 68 transmits the second application data stored in the data storage unit 64 to the communication line L6. The reception application 71 of the registration application server 70 receives the transmitted second application data (S63).

Next, the voice data input request unit 65 displays a random character string (for example, a random number) generated by the character string generation unit 66b on the display unit 67, and requests the user to input voice (S64).
FIG. 16 shows a display screen of the display unit 67 when the voice data input request unit 65 requests voice input from the user. In the figure, 130 is a display screen, 131 is a user ID display section, 132 is a random number display section that is a random character string, 133 is a button, and 134 is a sentence display section.
As shown in FIG. 16, the user ID “00001” input by the user is displayed on the user ID display unit 111 at the top of the display screen 130, and the character string generation unit 66 b is displayed on the random number display unit 132 below it. The generated 5-digit random number is displayed together with the reading, and a button 133 with a “start” character is displayed below the random number. The voice data input request unit 65 prompts the user in the text display unit 134 below. A text stating that an input is required is displayed.

Here, the user presses the button 133 according to the sentence displayed on the sentence display unit 134, and the numbers “1”, “3”, “5”, “6”, “4” displayed on the random number display unit 132 are displayed. When the readings “1”, “san”, “go”, “roku”, “yon” are uttered by voice, the voice data input unit 63 inputs the voice uttered by the user as second user voice data (S65). ).
FIG. 17 shows a display screen of the display unit 67 when the audio data input unit 63 is inputting the second user audio data. In the figure, 135 is a text display section, and 136 and 137 are buttons.
As shown in FIG. 17, in the middle text display section 135 of the display screen 130, the voice data input request section 65 requests the user to continue voice input, etc. “Please speak slowly. After reading the number. "Please press END." Is displayed, and a button 136 with a character "END" and a button 137 with a character "CANCEL" are displayed below it.
When the user finishes pronunciation of the number displayed on the random number display unit 132, the user presses the button 136, whereby the input of the second user voice data from the voice data input unit 63 is finished. The user presses the button 137 when canceling voice input.
The second user voice data input by the voice data input unit 63 as described above is temporarily stored in the data storage unit 64.

Thereafter, the transmission unit 68 transmits the second user voice data once stored in the data storage unit 64 to the application registration server 70 via the communication line L6, and the reception unit 71 of the application registration server 70 transmits the data. The received second user voice data is received (S66).
The second user voice data received by the receiving unit 71 is temporarily stored in the data storing unit 72 and then sent to the voiceprint data generating unit 73.
Next, the voice print data generation unit 73 generates the second voice print data from the second user voice data (voice data about a random character string) sent from the data storage unit 72, and generates the generated second voice print data. Is sent to the voiceprint data matching unit 80 (S67).
Then, the voiceprint data collation unit 80 is specified by the second voiceprint data sent from the voiceprint data generation unit 73 and the first voiceprint data (user ID “00001”) stored in the voiceprint data storage unit 74. If the difference is small and within a certain range (threshold value or less), the verification result that the voiceprint data is successfully verified (authentication success) is output. Otherwise, the voiceprint data is verified. The verification result of unsuccessful (authentication unsuccessful) is output, and the output verification result is sent to the second application data registration unit 81 (S68).
FIG. 18 shows a display screen of the display unit 67 from when the voice data input unit 63 inputs the second user voice data (S65) to when the voiceprint data collation unit 80 outputs the collation result (S68). . In the figure, reference numeral 138 denotes a character display unit.
As shown in FIG. 18, the display screen 130 is displayed after the user presses the sound generation end button 136 (FIG. 17) until the voiceprint data collation unit 80 outputs the collation result (S68) in step S65. A character “authenticating” is displayed in the middle character display portion 138.

Finally, the second application data registration unit 81 deletes the second application data sent from the data storage unit 72 that has been sent from the voiceprint data matching unit 80 as a result of the authentication failure. Then, the determination result that the authentication is unsuccessful sent from the voiceprint data collating unit 80 is stored in the second application data storage unit 82 (S68), and the process is terminated.
FIG. 19 is an explanatory diagram showing a screen displayed when the processing is completed. In the figure, 139 is a text display unit, 140 is a service usage type display unit, and 141 is a button.
As shown in FIG. 19, in the sentence display part 139 at the upper center of the display screen 130, press the “Confirm” button if the application is correct. ”Is displayed, and the service usage type display section 140 below“ Service / Service ”,“ Credit Card ”and the type of service usage are displayed. At the bottom of the display screen 130,“ A button 141 with the word “confirm” is displayed.
When the user presses the button 141, the application procedure for the first service use (credit card use) is completed and the credit card can be used.
Thereby, the user can use various applications related to the second service use (credit card use) for which application has been made from the terminal device 60. As for the use of the second service, it is possible to log in to each application by voiceprint authentication based also on the first voiceprint data stored in the voiceprint data storage unit 84.
The application registration server 70 includes a voice recognition unit, and the voice recognition unit performs voice recognition of the second user voice data before the voiceprint data generation unit 73 generates the second voiceprint data in step S67. (In this case, it is determined whether the second user voice data matches the random character string generated by the character string generation unit). When the voice recognition is successful, the voice print data generation unit 73 performs the second voice print. Data is generated, and the generated second voice print data is sent to the voice print data collation unit 80. If the voice recognition is unsuccessful, the voice print data collation unit 80 outputs an unsuccessful verification result in step S68. You may make it do.

  Voice service data registration system for service use authentication, voice print data registration server for service use authentication, service use application registration system, voice print data registration method for service use authentication, service use application registration method and program of the present invention Users who have registered in advance from a terminal device, etc. without presenting identity verification materials etc. to a bank counter etc. when registering applications to use services such as opening various accounts based on application data entered from Even if it is not, it is possible to prevent the voiceprint from being illegally registered by verifying the identity and registering the voiceprint for user authentication by voiceprint, and when using other applications (services) The previously registered voice print can be used to prevent fraudulent applications and reduce the burden on the user. Kill.

DESCRIPTION OF SYMBOLS 1 Service use authentication voiceprint data registration system 2 Service use authentication voiceprint data registration system 3 Service use application registration system 10 Terminal device 11 Application data input part 12 Image data input part 13 used as the certificate data input part of this invention Voice data Input unit 14 Data storage unit 15 Voiceprint data registration request unit 16 Character string storage unit 17 Display unit 18 Transmission unit 19 Reception unit 20 Server 21 Reception unit 22 Data storage unit 23 Voiceprint data generation unit 24 Voiceprint data storage unit 25 Authenticity determination unit 26 Application data registration unit 27 Application data storage unit 28 Reception information generation unit 29 Transmission unit 30 Terminal device 31 Application data input unit 32 Image data input unit 33 Voice data input unit 34 Data storage unit 35 Voiceprint data registration request unit 36 Character string storage Unit 37 display unit 38 transmission unit 39 reception unit 40 first server 41 Receiving unit 42 Data storage unit 43 Voiceprint data generation unit 44 Voiceprint data storage unit 45 Authenticity determination unit 46 Application data temporary registration unit 47 Temporary application data storage unit 48 Reception information generation unit 49 Transmission unit 50 Second server 51 Reception unit 52 Data Storage unit 53 Display unit 54 Data selection unit 55 Application data main registration unit 56 Application data storage unit 60 Terminal device 61 Application data input unit 62 Image data input unit 63 Audio data input unit 64 Data storage unit 65 Audio data input request unit 66a Character string storage unit 66b Character string generation unit 67 Display unit 68 Transmission unit 69 Reception unit 70 Application registration server 71 Reception unit 72 Data storage unit 73 Voiceprint data generation unit 74 Voiceprint data storage unit 75 Authenticity determination unit 76 First application data registration Unit 77 first application data storage unit 78 reception information generation unit 79 transmission unit 80 voiceprint data collation unit 81 second Data display part 82 Second application data storage part 100 Display screen 101 Button 102 Text display part 103 Character display part 104 Button 105 Character display parts 106a to 106d Box 107a, 107b for text input Text display part 106 Button 109 Character Display unit 110 Pronunciation character display unit 111, 113 Text display unit 112, 114 button 115 Character display unit 116, 117, 118 Text display unit 119 Application ID display unit 120 Service usage type display unit 121 button.
130 Display screen 131 User ID display part 132 Random number display part 133 Buttons 134 and 135 Text display part 136, 137 Button 138 Character display part.
139 Text display unit 140 Service usage type display unit 141 Buttons L1 to L7 Communication line

Claims (36)

Application data input means to input application data necessary for application for service use,
Certificate data input means for inputting certificate data necessary for the use of the service;
Voice print data registration request means for requesting voice print data registration by uttering voice to the user;
Voice data input means for inputting user voice data issued by the user in response to a request from the voiceprint data registration request means;
A terminal comprising: application data input from the application data input means; certificate data input from the certificate data input means; and transmission means for transmitting user voice data input from the voice data input means Equipment,
Receiving means for receiving the application data, the certificate data and the user voice data transmitted from the transmitting means;
Application data registration means for storing the application data and the certificate data received by the receiving means in an application data storage means;
Voiceprint data generating means for generating voiceprint data from the user voice data received by the receiving means;
A server comprising voice print data storage means for storing the voice print data generated by the voice print data generation means as service use authentication voice print data in association with the application data stored in the application data storage means; Voiceprint data registration system for service use authentication characterized by The server further includes reception information transmission means for transmitting reception information for notifying the user that the reception means has received the application data and the certificate data, to the terminal device,
The voiceprint data registration requesting unit requests the user to register voiceprint data by uttering a voice when the terminal device receives the reception information transmitted from the reception information transmission unit. Item 10. A voice print data registration system for service use authentication according to item 1. The server further comprises true / false determining means for determining the authenticity of the certificate data received by the receiving means and outputting the determination result;
The application data registration unit stores the application data and the certificate data received by the receiving unit in the application data storage unit based on the determination result output by the authenticity determination unit. The service use authentication voiceprint data registration system according to claim 1 or 2. Application data input means to input application data necessary for application for service use,
Certificate data input means for inputting certificate data necessary for the use of the service;
Voice print data registration request means for requesting voice print data registration by uttering voice to the user;
Voice data input means for inputting user voice data issued by the user in response to a request from the voiceprint data registration request means;
Application data input from the application data input means, certificate data input from the certificate data input means, and first transmission means for transmitting user voice data input from the voice data input means. A terminal device provided;
First receiving means for receiving the application data, the certificate data and the user voice data transmitted from the first transmitting means;
Application data temporary registration means for storing the application data and the certificate data received by the first receiving means in the temporary application data storage means as temporary application data;
Voiceprint data generating means for generating voiceprint data from the user voice data received by the first receiving means;
Voice print data generated by the voice print data generation means is stored as voice print data for service use authentication in association with the temporary application data stored in the temporary application data storage means, and in the temporary application data storage means A first server comprising second transmission means for transmitting the stored provisional application data;
Second receiving means for receiving the provisional application data transmitted from the second transmitting means;
Data selecting means for selecting authentic application data from the provisional application data received by the second receiving means;
Service use authentication comprising: a second server comprising application data main registration means for storing the genuine application data selected by the data selection means in the application data storage means as main application data Voiceprint data registration system. The second transmission means transmits reception information for notifying the user that the first reception means has received the application data and the certificate data to the terminal device,
The voiceprint data registration requesting unit requests the user to register voiceprint data by uttering a voice when the terminal device receives the reception information transmitted from the second transmission unit. The service use authentication voiceprint data registration system according to claim 4. The first server further includes authenticity determination means for determining authenticity of the certificate data received by the first receiving means and outputting the determination result.
The second transmission unit transmits the determination result output by the authenticity determination unit,
6. The service use authentication voiceprint data registration system according to claim 4, wherein the second receiving unit receives the determination result transmitted by the second transmitting unit. The terminal device further comprises character string display means for displaying a character string,
7. The voice print data registration request unit requests the registration of voice print data by uttering a voice to the user for a predetermined character string displayed on the character string display unit. Voice service data registration system for service use authentication described in any of the above.   8. The service use authentication voice print data registration system according to claim 1, wherein the service use is any one of account opening, credit card use, and loan card use. Receive application data sent from the terminal device necessary for application for service, certificate data necessary for use of this service, and user voice data issued by the user in response to a request from the voiceprint data registration request means of this terminal device Receiving means for
Application data registration means for storing the application data and the certificate data received by the receiving means in an application data storage means;
Voiceprint data generating means for generating voiceprint data from the user voice data received by the receiving means;
Voiceprint data storage means for storing the voiceprint data generated by the voiceprint data generation means as service use authentication voiceprint data in association with the application data stored in the application data storage means. Voiceprint data registration server for use authentication. Receiving information transmitting means for transmitting to the terminal device receiving information for notifying the user that the receiving means has received the application data and the certificate data;
The user voice data received by the receiving unit is a user issued by the user in response to a request from the voiceprint data registration request unit when the terminal device receives the reception information transmitted from the reception information transmission unit. 10. The service use authentication voiceprint data registration server according to claim 9, wherein the service use authentication voiceprint data registration server is voice data. Further comprising authenticity determination means for determining the authenticity of the certificate data received by the receiving means and outputting the determination result;
The application data registration unit stores the application data and the certificate data received by the receiving unit in the application data storage unit based on the determination result output by the authenticity determination unit. The service use authentication voice print data registration server according to claim 9 or 10.   12. The service use authentication voice print data registration server according to claim 9, wherein the service use is any one of account opening, credit card use, and loan card use. First application data input means for inputting first application data necessary for applying for the first service;
A second application data input means for inputting second application data necessary for applying for the second service;
Certificate data input means for inputting certificate data necessary for using the first service;
Voice data input requesting means for uttering voice to the user and requesting voice data input;
The first user voice data issued by the user in response to a request from the voice data input request means when applying for the first service, and the voice data input when applying for the second service Voice data input means for inputting second user voice data issued by the user in response to a request from the request means;
The first application data input from the first application data input means, the second application data input from the second application data input means, and the certification input from the certificate data input means Terminal device comprising: document data; and transmission means for transmitting the first user voice data and the second user voice data input from the voice data input means;
Receiving means for receiving the first application data, the second application data, the certificate data, the first user voice data and the second user voice data transmitted from the transmission means;
First application data registration means for storing the first application data and the certificate data received by the receiving means in a first application data storage means;
Voiceprint data generating means for generating first voiceprint data from the first user voice data received by the receiving means, and generating second voiceprint data from the second user voice data received by the receiving means; ,
Voice print data storage means for storing the first voice print data generated by the voice print data generation means as service use authentication voice print data in association with the first application data stored in the first application data storage means. When,
Voice print data collating means for collating the first voice print data stored in the print data storage means with the second voice print data generated by the voice print data generating means, and outputting the result of the collation;
A server provided with second application data registration means for storing the second application data received by the receiving means in a second application data storage means based on the result of verification from the voiceprint data matching means; Service use application registration system characterized by having. The server further includes reception information transmission means for transmitting reception information for notifying the user that the reception means has received the first application data and the certificate data, to the terminal device,
The voice data input request means utters a voice to the user and requests input of the first user voice data when the terminal device receives the reception information transmitted from the reception information transmission means. The service use application registration system according to claim 13. The server further comprises true / false determining means for determining the authenticity of the certificate data received by the receiving means and outputting the determination result;
The first application data registration unit is configured to store the first application data storage unit with the first application data and the certificate data received by the reception unit based on the determination result output by the authenticity determination unit. 15. The service use application registration system according to claim 13 or claim 14, wherein the service use application registration system is stored in the system. The terminal device further comprises character string display means for displaying a character string,
The voice data input requesting unit utters a voice to the user for the predetermined character string displayed on the character string display unit, and requests input of the first user voice data.
14. The voice data input request means utters a voice to the user for a random character string displayed on the character string display means and requests input of the second user voice data. The service use application registration system according to any one of claims 15 to 15.   The use of the first service is an account opening, and the use of the second service is use of a credit card or use of a loan card. Service usage application registration system. First application data required for application for first service use transmitted from the terminal device, second application data required for application for second service use, and the terminal device for use of the first service The first user voice data issued by the user in response to a request from the voice data input request means, and the user issued in response to a request from the voice data input request means of the terminal device when using the second service Receiving means for receiving second user voice data;
First application data registration means for storing the first application data and the certificate data received by the receiving means in a first application data storage means;
Voiceprint data generating means for generating first voiceprint data from the first user voice data received by the receiving means, and generating second voiceprint data from the second user voice data received by the receiving means; ,
Voice print data storage means for storing the first voice print data generated by the voice print data generation means as service use authentication voice print data in association with the first application data stored in the first application data storage means. When,
Voice print data collating means for collating the first voice print data stored in the print data storage means with the second voice print data generated by the voice print data generating means, and outputting the result of the collation;
And a second application data registration unit for storing the second application data received by the receiving unit in a second application data storage unit based on a collation result from the voiceprint data collating unit. Service usage application registration server. Receiving information transmitting means for transmitting to the terminal device receiving information for notifying the user that the receiving means has received the first application data and the certificate data;
The first user voice data received by the receiving unit is received by the user in response to a request from the voice data input request unit when the terminal device receives the reception information transmitted from the reception information transmission unit. 19. The service use application registration server according to claim 18, wherein the service use application registration server is the first user voice data issued. Further comprising authenticity determination means for determining the authenticity of the certificate data received by the receiving means and outputting the determination result;
The first application data registering unit stores the first application data and the certificate data received by the receiving unit based on the determination result output by the authenticity determination unit. 20. The service use application registration server according to claim 18 or 19, which is stored in a means.   21. The method according to claim 18, wherein the first service use is an account opening and the second service use is a credit card use or a loan card use. Service usage application registration server. In the terminal device,
The application data input means inputs the application data necessary for applying for the service,
The certificate data input means inputs the certificate data necessary for using the service,
The voice print data registration request means utters a voice to the user to request voice print data registration,
Voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means,
Transmitting means transmits application data input from the application data input means, certificate data input from the certificate data input means, and user voice data input from the voice data input means,
On the server,
Receiving means receives the application data, the certificate data and the user voice data transmitted from the transmitting means,
The application data registration means stores the application data and the certificate data received by the receiving means in the application data storage means,
Voiceprint data generating means generates voiceprint data from the user voice data received by the receiving means;
The voiceprint data storage means includes a step of storing the voiceprint data generated by the voiceprint data generation means as service use authentication voiceprint data in association with the application data stored in the application data storage means. Service voice authentication data registration method. In the server, the reception information transmission means further comprises a step of transmitting reception information for notifying the user that the reception means has received the application data and the certificate data to the terminal device,
The step in which the voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means, wherein the terminal device has received the reception information transmitted from the reception information transmission means. 23. The service use authentication voiceprint data registration method according to claim 22, which is sometimes performed. In the server, the authenticity determining means further comprises a step of determining authenticity of the certificate data received by the receiving means and outputting the determination result,
The step of causing the application data registration unit to store the application data and the certificate data received by the receiving unit in the application data storage unit is performed based on the determination result output by the authenticity determination unit. 24. The service use authentication voiceprint data registration method according to claim 22 or 23. In the terminal device,
The application data input means inputs the application data necessary for applying for the service,
The certificate data input means inputs the certificate data necessary for using the service,
The voice print data registration request means utters a voice to the user to request voice print data registration,
Voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means,
The first transmission means transmits application data input from the application data input means, certificate data input from the certificate data input means, and user voice data input from the voice data input means. ,
On the first server,
A first receiving means for receiving the application data, the certificate data and the user voice data transmitted from the first transmitting means;
An application data temporary registration means stores the application data and the certificate data received by the first receiving means in the temporary application data storage means as temporary application data,
Voiceprint data generating means generates voiceprint data from the user voice data received by the first receiving means;
Voice print data storage means stores the voice print data generated by the voice print data generation means as service use authentication voice print data in association with the temporary application data stored in the temporary application data storage means;
A second transmission means for transmitting the temporary application data stored in the temporary application data storage means;
On the second server,
A second receiving means for receiving the provisional application data transmitted from the second transmitting means;
Data selection means selects genuine application data from the provisional application data received by the second receiving means,
A service use authentication voiceprint data registration method, comprising: a step in which application data main registration means stores the genuine application data selected by the data selection means in the application data storage means as main application data. In the first server, the second transmitting means transmits reception information for notifying the user that the first receiving means has received the application data and the certificate data to the terminal device. Further comprising the step of:
The step in which the voice data input means inputs user voice data issued by the user in response to a request from the voiceprint data registration request means, wherein the terminal device receives the reception information transmitted from the second transmission means. 26. The service use authentication voiceprint data registration method according to claim 25, wherein the service use authentication voiceprint data registration method is performed. In the first server,
The true / false determining means determines the authenticity of the certificate data received by the receiving means, and outputs the determination result,
The second transmission means transmits the determination result output by the authenticity determination means;
In the second server,
27. The service use authentication voiceprint data registration method according to claim 25 or 26, further comprising the step of the second receiving unit receiving the determination result transmitted by the second transmitting unit. . In the terminal device, the character string display means further comprises a step of displaying a character string,
The step in which the voice data input means inputs the user voice data issued by the user in response to a request from the voiceprint data registration request means is performed for a predetermined character string displayed on the character string display means. The service use authentication voiceprint data registration method according to any one of claims 22 to 27.   29. The service use authentication voiceprint data registration method according to any one of claims 22 to 28, wherein the service use is any one of account opening, credit card use, and loan card use.   A program for causing a computer to execute the service use authentication voiceprint data registration method according to any one of claims 22 to 29. In the terminal device,
The first application data input means inputs the first application data necessary for applying for the first service,
The second application data input means inputs the second application data necessary for applying for the second service,
Certificate data input means inputs certificate data necessary for using the first service,
The voice data input request means utters a voice requesting the user to input voice data,
The voice data input means applies the first user voice data issued by the user in response to a request from the voice data input request means when applying for the first service, and the second service usage application. The second user voice data issued by the user in response to a request from the voice data input request means,
Transmitting means inputs from the first application data input means from the first application data input means, the second application data input from the second application data input means, input from the certificate data input means Transmitting the certificate data and the first user voice data and the second user voice data input from the voice data input means,
On the server,
A receiving means receives the first application data, the second application data, the certificate data, the first user voice data, and the second user voice data transmitted from the transmission means,
The first application data registration means stores the first application data and the certificate data received by the receiving means in the first application data storage means;
Voice print data generating means generates first voice print data from the first user voice data received by the receiving means, and generates second voice print data from the second user voice data received by the receiving means. And
Voice print data storage means associates the first voice print data generated by the voice print data generation means as service use authentication voice print data with the first application data stored in the first application data storage means. Remember,
Voiceprint data collating means collates the first voiceprint data stored in the voiceprint data storing means with the second voiceprint data generated by the voiceprint data generating means, and outputs the result of the collation;
The second application data registration unit includes a step of storing the second application data received by the receiving unit in the second application data storage unit based on the collation result from the voiceprint data collating unit. Service usage application registration method characterized by In the server, the reception information transmission unit further includes a step of transmitting reception information for notifying the user that the reception unit has received the first application data and the certificate data to the terminal device. ,
The step of the voice data input means inputting the first user voice data issued by the user in response to a request from the voiceprint data registration request means includes the reception of the terminal device transmitted from the reception information transmission means. 32. The service use application registration method according to claim 31, which is performed when information is received. In the server, the authenticity determining means further comprises a step of determining authenticity of the certificate data received by the receiving means and outputting the determination result,
The step of causing the first application data registration means to store the first application data and the certificate data received by the receiving means in the first application data storage means is output by the authenticity determination means. 33. The service use application registration method according to claim 31 or 32, which is performed based on the determination result. In the terminal device, the character string display means further comprises a step of displaying a character string,
The step of the voice data input means inputting the first user voice data issued by the user in response to a request from the voiceprint data registration request means is performed for a predetermined character string displayed on the character string display means. ,
The step of inputting the second user voice data issued by the user in response to a request from the voiceprint data registration request unit is performed for a random character string displayed on the character string display unit. The service use application registration method according to any one of claims 31 to 33, wherein:   35. The method according to claim 31, wherein the first service use is an account opening, and the second service use is a credit card use or a loan card use. Service usage application registration method. A program for causing a computer to execute the service use application registration method according to any one of claims 31 to 35.

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