JP2019149025A - Credit management system and automatic settlement system by face authentication technique - Google Patents

Abstract

To provide a credit management system capable of conducting credit transaction on the basis of only face information of a user without using a physical medium containing at least a credit card when the user conducts credit transaction.SOLUTION: A credit management system comprises: a user face image generation unit which generates a user face image displaying a face of a user as image information; a credit decision unit which decides whether to determine a first credit line by performing initial credit for the user, whether to determine a second credit line by performing credit examination for the user, and whether to permit the user to conduct credit transaction on the basis of the user face image and/or user identification information; and a credit management unit which performs first adjustment for the second credit line decided by the credit decision unit on the basis of the decision made by the credit decision unit.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit management and automatic settlement system using face authentication technology.

  Providing products and services such as the expansion of the Internet and other networks, the expansion and diversification of electronic commerce deployed on the network, and the provision of complex services through cooperation between face-to-face stores and electronic commerce Commercial transactions are required to be instant at the time of provision as well as the diversity of their contents.

  When the provision of an immediate service is desired, not only the service providing side but also the service receiving side is required to have immediate settlement of the received service.

  An example of the settlement means is a credit transaction. In credit transactions, a credit limit is set in a trading account under a certain credit, and after receiving goods or services, a payment as a consideration is settled in the trading account. For example, when it is desired to immediately enjoy a product or service, it is not possible to make an immediate settlement if the user does not have cash, and therefore cannot receive an immediate product or service. On the other hand, if it is possible to conduct credit transactions on both the service provider side and the receiver side, it is possible to provide and enjoy immediate services, and transactions that are effective in terms of immediacy. Is the method.

  The important point in this credit transaction is to accurately determine the settlement ability of the person who uses the transaction means, that is, the ability to fulfill the obligation, and to minimize the creditor's risk. Therefore, in order to use a credit transaction, it is necessary to obtain permission for using the credit transaction in a credit examination in which a certain safety standard is set.

  In recent years, immediacy is also required for credit screening, and credit screening for applying for the use of credit transactions via a network, so-called online screening, has become mainstream.

JP 2006-331231 A JP2004-206568

  The first issue is the complexity of the application procedure. Although there is a merit that an applicant who intends to undergo credit examination in this online examination does not have to go to the credit card issuer's window when applying for credit, it is necessary for the application process of online examination. On the WEB site on the Internet, it is necessary to input many items used for credit examination. Typical input items include the applicant's name, name, address, telephone number, date of birth, family composition, occupation, annual income, health status, or the presence or absence of past antisocial behavior, and claims. -It is necessary to repeatedly grant licenses for contracts that generate debt relationships.

  Since this application procedure is complicated and time-consuming, there is a problem that the applicant often interrupts or cancels the application procedure during the application procedure.

  The second problem is the danger when a person who intends to use a credit transaction loses a credit card. Credit transactions that are valid in terms of immediacy as described above are initiated by a person seeking service using a credit card, information stored on the credit card, or a physical medium that records the information. To do. In general, a credit card is required to have a certain security code that can only be known by a person who has been authorized to perform a credit transaction at the time of use.

  However, if a credit card is lost, the PIN that consists of a number of digits or symbols may be revealed by using a computer, etc. There is a problem in that a person who has been authorized by a credit transaction who has lost a credit card due to unauthorized use of a credit card by a person who has not received the credit card will have an unexpected debt.

  In particular, when a plurality of credit card information is aggregated and stored in, for example, a portable information communication terminal, the loss when the portable information communication terminal is lost is enormous and becomes a serious problem.

  The third problem is inflexibility in the case of so-called split-account settlement, which is individual settlement when a single settlement is made by a plurality of persons. In the case of payment by cash, it is easy to complete the payment by determining the individual payment amount based on a certain ratio, but it is complicated when making a payment using a credit transaction. One of them pays for the total amount of payment by using credit transaction, and the other party pays the individual settlement amount by cash to the person who performed payment processing using credit transaction It will be. Therefore, the immediacy characteristic of the payment means by credit transaction is lost, which is a big demerit in the split payment.

  The present invention has been made in view of the above problems, and is a credit management system that manages credit transactions including credit settlement performed by a user, and the credit management system displays a user's face as image information. A user face image generation unit that generates an image, whether to perform initial credit for the user and determine a first credit frame, whether to perform a credit check of the user and determine a second credit frame, and Whether to allow the user to perform credit transactions is determined based on the user face image and / or information related to the user face image, and the credit is determined based on the determination by the credit determination unit. A credit management unit that makes a first adjustment to the second credit frame determined by the determination unit, and when the user performs a credit transaction, the credit is not used without using a physical medium including at least a credit card. transaction It makes it possible to perform, providing credit management system.

  The present invention further provides application software for controlling and operating the credit management system.

  By implementing the system of the present invention and application software that controls the operation thereof, when a user performs a credit transaction, the credit card issuing company or the like uses a credit card or the like for granting initial credit, credit examination and use of credit transaction. The user receives initial credit and credit inquiry by using only the user's face information as the input source, without issuing any physical media, and without using any physical media such as credit cards. Is possible. That is, the user can perform a credit transaction without using any physical medium such as a credit card.

  In addition, when applying for credit screening, the user can apply for credit screening only by inputting the minimum necessary items without requiring complicated procedures.

  Furthermore, the facial expression of the user at the time of credit transaction, that is, the emotion and the transaction content at that time are associated with each other, the user's preference information is extracted, and the recommendation is made based on the extracted preference information at the next and subsequent credit transactions. It is possible to provide an effect of supplementing or extending the credit transaction contents of the user.

It is a figure which shows the 1st structural example of the system of this invention. It is a figure which shows notionally the structure of the data recorded on a user attribute information management server. It is a flowchart which shows operation | movement of the structural example of the system of this invention. It is an example of the screen displayed on a display part. Here, (a) is an example of a screen that prompts the user to use a credit transaction, (b) is an example of a screen that does not allow the user to perform a credit transaction, and (c) is a credit transaction to the user. It is an example of the screen which permits performing. It is a figure which shows the 2nd structural example of the system of this invention. It is a figure which shows notionally the data structure of split account information.

  The configuration and operation of the system and application software of the present invention will be illustrated and described in detail by the following embodiments. However, the embodiments of the present invention are not limited by the following embodiments without departing from the gist of the present invention.

1. First Configuration Example of System of Present Invention FIG. 1 shows a first configuration example of a system according to the present invention. The configuration of the system of the present invention and each part constituting the system of the present invention will be described with reference to FIG. First, the system of the present invention includes a front-end unit 100 used in a service providing place 101 where a person who intends to perform a credit transaction (hereinafter referred to as a user) receives a service, and granting an initial credit according to a request from the user, and a credit examination. Depending on the usage aspect of the system of the present invention, a part for determining whether or not to use a credit transaction, a part for determining whether or not a credit transaction is appropriate by a credit inquiry, a part for acquiring information identifying what kind of user the user is, The back end unit 110 includes a part that outputs a suitable image.

  That is, the front end unit 100 includes an imaging unit 102, a user face image generation unit 103, a display unit 104, a receipt issuing unit 105, a calculation unit 106, and a transmission / reception interface 107. The back-end unit 110 includes a transmission / reception interface 111, a user attribute information acquisition / generation unit 112, a user attribute information management server 113, a credit determination unit 114, a credit management unit 115, an image transmission unit 116, an image server 117, and a user preference determination unit 118. including.

  The front end unit 100 is disposed in a service providing place 101 where a user receives a service. The front end unit 100 and the back end unit 110 are connected via a network 120, and information can be transmitted / received bidirectionally through transmission / reception interfaces 107 and 111 provided in the respective units.

  In addition, a plurality of front end units 100 can be connected to one back end unit 110. Similarly, a plurality of back end units 110 can be connected to one front end unit 100. It is.

  Here, the service providing location 101 may be either a face-to-face store or a site for electronic commerce on the Internet (hereinafter referred to as an EC site), and there is no limitation on the content of the service provided to the user.

  As means for generating a digital image of the user's face, an image pickup means 102 for picking up the user's face and a user face image generation unit 103 for digitizing analog information picked up by the image pickup means 102 are provided. The imaging unit 102 can employ a known camera including an optical lens, and the user face image generation unit 103 converts analog information captured by the imaging unit 102 into digital information, and uses digital data. A user face image 201 is generated.

  Further, the user face image generation unit 103 can process the digital information so that the user face image 201 can be accurately identified when the user face image 201 is generated. The processing can be realized by, for example, general-purpose image editing software, and includes automatic trimming processing that automatically extracts only the periphery of the user's face, contrast adjustment processing for emphasizing the contour, brightness and saturation. Perform adjustment processing.

  The display unit 104 receives an image transmitted from the image server 117 provided in the back-end unit 110 via the network 120, and an image for prompting the customer to perform a credit transaction, and an image related to the result of determining whether or not the credit examination is appropriate. , And a result of credit inquiry, an apparatus including a screen for displaying an image relating to a result of determining whether or not to use a credit transaction. In addition, the display unit 104 is used by the user when the user makes a gesture by touching the screen with a finger of the hand, or when the user performs an operation such as pressing the input unit displayed on the screen by the user. The function as an input means to perform can also be provided. As the display unit 104, for example, a tablet PC having a smooth screen, a smartphone, or other portable information communication terminal can be employed.

  The receipt issuing means 105 issues a receipt 108 on which a credit use mark indicating that the user has performed a credit transaction is displayed to the user after the user has performed a credit transaction. The receipt 108 may be a physical medium such as paper or resin, or electronic data displayed as digital information on the display unit 104. Correspondingly, the receipt issuing means 105 can adopt a general-purpose receipt issuing machine when the receipt 108 is a physical medium. When the receipt 108 is electronic data, the receipt issuing means 105 can receive a receipt that is digital information. A generating device can be employed.

  The credit usage mark displayed on the receipt 108 expresses the contents of the credit transaction performed by the user. The payment amount, the service provision contents, the transaction date and time, and the user face image 201 generated by the user face image generation unit 103. , And the address of the credit application page 122 on the network 120, or information related thereto. The credit usage mark can be expressed by letters, numbers, symbols, and combinations thereof, barcodes, two-dimensional barcodes, holographs, and the like.

  A user who uses the system of the present invention for the first time is given the first credit line 222 by the initial credit, and obtains the receipt 108 after the credit transaction by the first credit line 222. If the user wants to continue using the credit transaction, the credit use mark displayed on the credit transaction is used to go to the credit application page 122 issued on the network 120 by the credit judgment unit 114 of the backend unit 110. , Input predetermined information to the credit application page 122, and transmit a request for credit examination application to the credit judgment unit 114.

  The user accesses the credit application page 122 by using the credit use mark, inputs information, and accesses the predetermined address on the network 120 with an imaging unit to transmit a request to the credit judgment unit 114. Thus, it is necessary to use a device (hereinafter referred to as a user terminal 109) having a function capable of displaying information related to the address and inputting the information. As the user terminal 109, for example, a general-purpose tablet PC, a smartphone, or other portable information communication terminal can be employed.

  As shown in FIG. 1, a display unit 104, a receipt issuing unit 105, and a user face image generation unit 103 are connected to a calculation unit 106 in the front end unit 100. Further, the calculation unit 106 is connected to the transmission / reception interface 107 and is connected to the network 120. Here, the calculation unit 106 has a function of concentrating and processing information input / output by each unit. As the arithmetic unit 106, for example, a general-purpose computer or other electronic computer can be employed.

  Further, the user terminal 109 possessed by the user can be the entire front end unit 100.

  The back-end unit 110 acquires information related to the user's face image based on the user face image 201 received from the front-end unit 100 via the network 120, generates attribute information about the user, and the generated Based on the attribute information, when the user performs a credit transaction, the user has a function of determining whether or not to permit the use of the credit transaction and managing the determination result to determine and adjust the credit frame for the user. Furthermore, the display unit 104 in the front end unit 100 has a function of sending an image suitable for the user via the network 120.

  The user attribute information acquisition / generation unit 112 first acquires the user face image 201 generated by the user face image generation unit 103 of the front end unit 100. Next, using the user face image 201, information 121 related to the user face image 201 is acquired from the contents of a web page or the like on the network 120. Here, the user attribute information acquisition and generation unit 112 extracts the user identification information 202 from the information 121 related to the acquired user face image 201. The user identification information 202 is information including information that can identify and identify an individual user.

  Next, the user attribute information acquisition / generation unit 112 combines the user face image 201 and the user identification information 202 to generate user attribute information 200. Further, the user attribute information acquisition / generation unit 112 records the generated user attribute information 200 in the user attribute information management server 113.

  Here, the user identification information 202 is more specifically the user's name, name, address, telephone number, date of birth, family composition, occupation, annual income, health status, hobbies, preferences, past anti-social acts. Or information including the presence or absence of the usage history of this system. This user identification information 202 can be acquired from information about a user published in a social networking service (hereinafter referred to as SNS) on the network 120, for example. At this time, the image of the user's face disclosed to the SNS is compared with the user face image 201 generated by the user face image generation unit 103, and when they match, from the page of the user's SNS Information about the user can be acquired and used as user identification information 202.

  Here, as examples of the SNS, a blog, Facebook (registered trademark), Twitter (registered trademark), Instagram (registered trademark), LINE (registered trademark), Linkedin (registered trademark), Google+ (registered trademark), Myspace (registered trademark). ), And Printerest (registered trademark). Information output from the profile function, the timeline function, or the mutual link function between SNS users, etc., which are publicly available, can be adopted, and the operator or operator who provides the SNS has a certain contract. It can also be obtained using an application programming interface (hereinafter referred to as API) that is provided below.

  The user attribute information management server 113 can record one or a plurality of user attribute information 200. Information related to the recorded user attribute information 200 is managed in association with the user attribute information 200. The managed user identification information 202 can be referred to by accessing the user attribute information management server 113, and has a function as a so-called database.

  FIG. 2 shows user attribute information 200 recorded and managed in the user attribute information management server 113, information associated with the user attribute information 200, and information generated from the user attribute information 200.

  The credit judgment unit 114 (1) determines whether or not the first credit limit 222 is determined by performing an initial credit for the user, and (2) whether or not the second credit limit 223 is determined by performing a credit check on the user. Or (3) making a credit inquiry for the user and determining whether to allow the user to perform a credit transaction. Next, the credit judgment unit 114 sets the judgment result of (1) as the initial credit availability judgment result 211, the result of (2) as the credit examination suitability judgment result 212, and the judgment result of (3) as the credit inquiry suitability judgment result 213. These three pieces of information are generated as information, and the three pieces of information are combined to generate user credit judgment information 210. Further, the credit judgment unit 114 records the generated user credit judgment information 210 in the user attribute information management server 113 and outputs it to the credit management unit 115.

  When determining (1), the credit determination unit 114 accesses the user attribute information management server 113 and makes a determination with reference to the user identification information 202 included in the user attribute information 200 of the user. When determining (2), the determination is made based on information input by the user to the credit application page 122 accessible on the network 120. When determining (3), a determination is made by accessing the transaction account management server 124 that is outside the back-end unit 110 and manages the user's transaction account 123 via the network 120.

  Here, the credit line for the user is determined by the first credit line 222 that is determined when the initial credit is granted and the second credit that is determined when it is determined to be appropriate to use the credit transaction through the credit check. There are two frames 223. The first credit limit 222 is a value determined based only on the user identification information 202, and is a credit limit given by so-called initial credit. On the other hand, the second credit frame 223 is a value that can be determined and adjusted by more detailed information about the user in addition to the user identification information 202, and is a credit that can be determined as a result of so-called credit review and can be adjusted by an ongoing credit. It is a frame.

  First, the first credit frame 222 may be the same value for any user, and is a credit frame that is determined only when the user identification information 202 can be acquired. Further, it can be changed corresponding to the information amount of the user identification information 202. For example, a larger first credit limit 222 may be determined for a user who has acquired a greater amount of user identification information 202.

  Next, the second credit frame 223 is a value determined as a result of credit examination based on information on the credit application page 122 including the user identification information 202 and information input by the user. Different values can be determined for each user in accordance with the user's annual income and payment ability.

  In the conventional credit examination, if it is determined that the examination criteria are not met, no credit is given, that is, the user cannot use the credit transaction. On the other hand, the credit determination unit 114 of the system of the present invention determines the first credit limit 222 by crediting the user without performing credit examination considering the user's payment ability and the like. Thereafter, since credit screening is performed and the second credit limit 223 is determined, the degree of the user's fulfillment of the debt to the first credit limit 222 can be used as a criterion for the credit check.

  For example, in a credit review, when a user who is determined not to meet the screening criteria fulfills his / her debt quickly with respect to the first credit limit 222, more specifically, a settlement with respect to the first credit limit 222 is performed. If the time until the total value of the sum reaches the first credit limit 222 is within a predetermined value, the credit judgment unit 114 performs credit examination again for the user based on the result. You can also.

  In addition, for example, in a credit review, when a user who is determined not to meet the screening criteria tries to fulfill his / her obligations with respect to the first credit limit 222, more specifically, the first credit Even when the settlement frequency for the frame 222 is equal to or higher than a predetermined value, the credit determination unit 114 can perform credit examination again on the user based on the result.

  In addition, the value of the second credit line 223 can be equal to or greater than the value of the first credit line 222.

  The credit application page 122 is issued through a telecommunication line such as a WEB page, and is issued on the network 120 by the credit judgment unit 114, and when a user who applies for credit review accesses, in advance, Information about the user is entered. In conventional online credit review, the applicant's name, name, address, telephone number, date of birth, family structure, occupation, annual income, health status, or the presence or absence of past antisocial behavior While the user needs to input information about the user, the credit application page 122 used at the time of credit application in the system of the present invention can minimize input by the user. This is because information about the user is automatically input on the credit application page 122 based on the user identification information 202 included in the user attribute information 200 recorded in the user attribute information management server 113. is there.

  The credit management unit 115 generates the user reliability 221 based on the user credit determination information 210 output from the credit determination unit 114, and further adds the second credit frame 223 to the second credit frame 223 based on the user reliability 221. Adjust 1

  The user reliability 221 is information indicating the degree of trust that the user has. Furthermore, based on the user reliability 221, the first credit frame 222 or the second credit frame 223 for the user is determined. As shown in FIG. 2, the user reliability 221 is determined based on user credit determination information 210 generated by the credit determination unit 114. When the information constituting the user credit judgment information 210, that is, the initial credit admissibility judgment result 211, the credit examination suitability judgment result 212, and the credit inquiry suitability result 213 changes, the user reliability 221 also changes.

  For example, when a user to whom the second credit frame 223 is granted uses a credit transaction, the credit judgment unit 114 performs a credit inquiry, and the result is reflected in the credit inquiry suitability result 213. When the settlement process is completed by this credit transaction, the credit determination unit 114 acquires a notification that the settlement process output from the transaction account management server 124 that manages the user's transaction account 123 is completed, and the notification Information is generated as a settlement history result 214 and is recorded in the user attribute information management server 113 in association with the user credit determination information 210. Here, the settlement history result 214 is information including the frequency with which the user is allowed to perform the credit transaction, the amount of the credit transaction, and the target of the credit transaction.

  For example, the credit management unit 115 displays the settlement history result 214 as a user so as to change the user reliability 221 so as to increase the second credit frame 223 when the settlement history result 214 satisfies a predetermined condition. It acts on the credit judgment information 210. That is, it is possible to automatically increase the user's second credit limit 223 in accordance with the frequency with which the user has normally performed credit transactions, the amount of credit transactions, and the target for which credit transactions have been performed. is there. That is, the credit management unit 115 can automatically make a second adjustment for the second credit frame 223 of the user, which is different from the first adjustment for the second credit frame 223. .

  The user credit judgment information 210, the user reliability 221 and the first credit frame 222 or the second credit frame 223 are associated with the user attribute information 200 and recorded in the user attribute information management server 113.

  The image sending unit 116 is connected to an image server 117 in which images are recorded. The image sending unit 116 is based on the user credit determination information 210 generated when the user attribute information 200 is recorded in the user attribute information management server 113 or based on the user attribute information 200 and the user credit determination information 210. It operates when the generated user reliability 221 and the first credit frame 222 or the second credit frame 223 are recorded in the user attribute information management server 113. That is, when the imaging means 102 provided in the front end unit 100 captures an image of a user, the user attribute information acquisition / generation unit 112, the credit determination unit 114, and the credit management unit 115 operate in the back end unit 110. do.

  First, the image sending unit 116 accesses the user attribute information management server 113 in order to grasp the state of the user on the front end unit 100 side, and the user attribute information 200, the user credit judgment information 210 and the user trust associated therewith. Reference is made to the degree 221 and the first credit limit 222 or the second credit limit 223. Next, the image server 117 is accessed, a suitable image is selected from the image server 117 according to the state of the user on the front end unit 100 side, the image is transmitted, and the display of the front end unit 100 is displayed via the network 120. The image is displayed on the unit 104.

  Here, the image sent from the image sending unit 116 is digital data, and can be a video, a still image, or a combination thereof. In addition, interactive digital contents whose display contents change in response to a user request can be used.

  The back end unit 110 can further include a user preference determination unit 118. Based on the user identification information 202 and / or the user face image 201 included in the user attribute information 200, the user preference determination unit 118 determines the user preference by analogy, and generates user preference information 203 for the user. . Furthermore, the user preference determination unit 118 associates the user preference information 203 with the user attribute information 200 and records the user preference information 203 in the user attribute information management server 113.

  Examples of the user preference information 203 include food, hobbies, land, country, sports, television programs, topics, Internet contents, or vehicles that the user likes.

  When the user preference information 203 is recorded in the user attribute information management server 113, the image sending unit 116 selects an image suitable for the user preference on the front end unit 100 side based on the user preference information 203. The image can be selected and transmitted, and the image can be displayed on the display unit 104 of the front end unit 100 via the network 120.

  Furthermore, the user preference determination unit 118 can also determine a change in the user preference information 203. When the user's preference changes, the user identification information 202 changes, and the user preference information 203 also changes based on the change. At this time, the user preference determination unit 118 updates the user preference information 203 recorded in the user attribute information management server 113, and accordingly, the image transmission unit 116 accesses the user attribute information management server 113 and updates it. Based on the user preference information 203, a suitable image can be selected and transmitted from the image server 117 to the user.

  That is, the system of the present invention obtains user identification information 202 based on the user face image 201, generates and updates user preference information 203, and displays it on the display unit 104. Also have.

2. FIG. 3 is a flowchart showing an operation example when the system of the present invention is operated by application software.

  First, a case where the user uses the system of the present invention for the first time to determine the first credit limit 222 or the second credit limit 223 and perform a credit transaction will be described.

  The user who has visited the service providing place 101 images the user's face using the imaging means 102 installed there (S101). At this time, an image (FIG. 4A) that prompts the user to use the credit transaction is displayed on the display unit 104 (S <b> 103). Next, the user face image generation unit 103 digitizes the captured user's face image to generate a user face image 201 (S102).

  At this time, the credit determination unit 114 refers to the user attribute information 200 recorded in the user attribute information management server 113, and determines whether or not the user attribute information 200 is already recorded in the user attribute information management server 113. (S201).

When a user uses the system of the present invention for the first time, the user attribute information 200 of the user is not recorded in the user attribute information management server 113. At this time, the user attribute information acquisition and generation unit 112 acquires user identification information 202 based on the user face image 201 (S202), generates user attribute information 200 (S203), and records it in the user attribute information management server 113. . Next, the credit determination unit 114 determines whether or not to perform initial credit for the user based on the user identification information 202 included in the user attribute information 200 recorded in the user attribute information management server 113 (S204). . At this time, if the credit judgment unit 114 does not permit the credit transaction to be performed based on the user identification information 202, a screen that does not permit the credit transaction (FIG. 4B) is displayed on the display unit 104 ( S104)
When the credit determination unit 114 permits the credit transaction to be performed based on the user identification information 202, the first credit limit 222 is determined for the user (S205). At this time, a screen indicating that the credit transaction is permitted is displayed on the display unit 104 using the first credit frame 222 (S105).

At this time, when the user performs a credit transaction (S206), the receipt issuing means 105 issues the receipt 108 on which the credit use mark is displayed (S106). When the user accesses the credit application page 122 using the user terminal 109 and there is a request for credit examination to continuously request a credit transaction, the credit determination unit 114 has already received the request by the user. It is determined whether the credit application page 122 is accessed and credit examination is performed (S211). At this time, the credit determination unit 114 accesses the user attribute information management server 113 and refers to the user credit determination information 210 associated with the user attribute information 200 of the user, and determines that the credit examination is not performed. If so, a credit examination is executed based on the information on the user identification information 202 and the credit application page 122 (S212). The credit judgment unit 114 judges whether or not the user meets the criteria of the credit examination (S213), and when judging that the user fits, determines the second credit frame 223 for the user (S214). At this time, a screen (FIG. 4 (c)) permitting the credit transaction to be performed is displayed on the display unit 104 (S105), and the user is allowed to perform the credit transaction using the second credit frame 223 (S215). . On the other hand, if the credit determining unit 114 does not permit, if the user determines that the credit screening criteria are not met, a screen that does not permit credit transactions (FIG. 4B) is displayed on the display unit 104 ( S104)
Next, a case where the user performs a credit transaction using the second credit frame 223 for the first time after the second credit frame 223 is already determined by the system of the present invention will be described.

  The user who has visited the service providing place 101 images the user's face using the imaging means 102 installed there (S101). Next, the user face image generation unit 103 generates a user face image 201 (S102).

  At this time, the credit determination unit 114 refers to the user attribute information 200 recorded in the user attribute information management server 113, and determines whether or not the user attribute information 200 is already recorded in the user attribute information management server 113. (S201). In this case, the second credit frame 223 is determined for the user, that is, the user attribute information 200 of the user is recorded in the user attribute information management server 113.

  Next, the credit determining unit 114 determines whether the credit application page 122 is accessed by the user and the credit examination is performed (S211). In this case, the second credit frame 223 is determined for the user, that is, the credit screening has already been performed for the user.

  The credit determination unit 114 accesses the transaction account management server 124 that manages the user's transaction account 123 via the network 120 and determines whether the user is permitted to perform a credit transaction using the user's transaction account 123. (S220). At this time, if the credit judgment unit 114 does not permit the user to perform credit transactions, the screen that does not permit credit transactions (FIG. 4B) is displayed on the display unit 104 (S104). On the other hand, when the credit judgment unit 114 permits the user to perform credit transactions, the user credit judgment information 210 recorded in the user attribute information management server 113 is stored in the credit management unit 115. input.

  The credit management unit 115 generates the user reliability 221 based on the user credit determination information 210 transmitted from the credit determination unit 114. Here, the credit management unit 115 determines whether or not the first adjustment for the second credit frame 223 is necessary for the user. Since the first adjustment for the second credit frame 223 is performed for the user, in principle, the first adjustment for the second credit frame 223 is not necessary. However, when the user intends to use another trading account different from the trading account 123 when the second credit limit 223 is initially determined, it is necessary to adjust the second credit limit 223 and determine it again. There is. In that case, the credit management unit 115 performs the first adjustment of the second credit frame 223 again for the user (S221, S222).

  In addition, when the credit judgment unit 114 generates the settlement history result 214 of the user, the settlement history result 214 is also input to the credit management unit 115 together with the user credit judgment result. At this time, the credit management unit 115 refers to the settlement history result 214 to determine whether or not to change the user reliability 221, that is, whether or not the second adjustment is necessary for the second credit frame 223 ( S223). When the credit management unit 115 determines that it is not necessary, the second adjustment of the second credit frame 223 is not performed, and when it is determined that it is necessary, the second adjustment of the second credit frame 223 is performed. (S224). The credit management unit 115 permits the user to perform a credit transaction regardless of whether or not the second adjustment is necessary (S225).

  Here, a screen permitting credit transaction (FIG. 4C) is displayed on the display unit 104 (S104), and the user can use the second credit frame 223 or the second credit for which the second adjustment has been performed. A credit transaction is performed using the frame 223 (S226).

  When the user wants to perform a credit transaction by executing the configuration example of the system of the present invention and the application software that controls the operation described above, the credit issuing company, etc., provides the initial credit and uses the credit transaction. It does not issue any physical media such as credit cards and the user does not use it. That is, the user can perform a credit transaction with initial credit and developing credit by using only the information of the user's face as an input source. As for credit screening, the user inputs less credit information than before when applying for credit screening, and can easily apply for credit screening with only the minimum necessary input.

  When implementing a configuration example of such a system and application software for controlling the operation of the system, if the service providing place 101 is a face-to-face store, application to a convenience store, general retail, or general retail is suitable. . This face-to-face store can be implemented only by installing only the front end portion 100 of the system of the present invention. Further, since the front end unit 100 can be configured by a general-purpose device, that is, it is not necessary to introduce unique application software in order to operate the front end unit 100 of the system of the present invention, it can be introduced at a low cost. Is possible.

  Further, if the service providing place 101 is an EC site, the present invention can be implemented by using the user terminal 109 owned by the user as the front end unit 100 of the system of the present invention. Since the user terminal 109 includes the configuration of the front end unit 100, simple application software for the front end unit 100 that simply displays the receipt 108 on the display unit 104 is introduced. Further, the EC site public API and the application software for the front end unit 100 are simply associated with each other so that the user can directly use the system of the present invention from the payment screen on the EC site. It is even easier to implement the system of the present invention and the application software that runs it.

3. Second Configuration Example of System of Present Invention Next, a second configuration of the system configuration of the present invention will be described.

  FIG. 5 shows a second configuration example which is a system of the present invention and is different from the first configuration example. In the first configuration example, it is assumed that there is only one user. The second configuration example of the present invention described below assumes a case where there are a plurality of users (hereinafter referred to as a plurality of users). In the second configuration example, the number of users is three.

  The difference from the first configuration shown in FIG. 1 is that the front end unit 500 further includes a timer 508 and a settlement amount generation unit 509, and the back end unit 520 includes a timer 528, a user face image storage unit 529, and a user face image. The separation unit 530, the user face image comparison determination unit 531, the user identification unit 532, and the split account information generation unit 533 are further installed.

  The timers 508 and 528 are installed in the front end unit 500 and / or the back end unit 520. The timers 508 and 528 generate time, and when the user face image generating unit 503 generates a user face image in which a plurality of users are displayed (hereinafter referred to as a user face image 608 of a plurality of users) and the settlement amount. When the payment amount for the time is generated in the generation unit 509, the information has a function of adding a time stamp to the information, adding the time information at that time.

  The timers 508 and 528 are installed in the front-end unit 500 and / or the back-end unit 520 based on the time when the user face images 608 of a plurality of users are generated at the service providing location 501. This is because it is possible to appropriately select whether to use the time when processing is started in the back-end unit 520 as a reference.

  For example, as shown in FIG. 5, when timers 508 and 528 are provided in each of the front end unit 500 and the back end unit 520, the time reference is determined in synchronization with either time, or either It is also possible to prioritize time and determine a time reference.

  The user face image storage unit 529 is connected to the timer 528 and adds information on the time generated by the timer 528 to the user face images 608 of a plurality of users. The user face image storage unit 529 sequentially stores user face images 608 of a plurality of users to which the times are added.

  The user face image separation unit 530 recognizes each user's individual face from the faces of the plurality of users included in the user face image 608 of the plurality of users, separates the face for each user, and displays only one user. A plurality of user face images 602, 604, and 606 are generated. Here, the separation of the user face images 608 of a plurality of users can be adopted by combining a general-purpose image recognition technique and an image processing technique such as automatic trimming. A plurality of user face images 602, 604, and 606 that are displayed by only one user generated by the user face image separation unit 530 are output to the user attribute information acquisition and generation unit 522 in an arbitrary order. ,It is processed.

  The user face image comparison / determination unit 531 refers to the user face images 608 of the plurality of users stored in the user face image storage unit 529, and the user face images 608 of the plurality of users at the first time and before the first time. The user face images 608 of a plurality of users at the second time, which is the time of, are compared to determine whether or not the number of users has changed between the second time and the first time. The user face image comparison / determination unit 531 measures and acquires the number of users displayed on the user face images 608 of a plurality of users from the determination result. The determination method can be employed by combining general-purpose image recognition technology and number counting technology. That is, the user face image comparison / determination unit 531 has a function of acquiring information on how much the number of users has changed at which time.

  Based on the determination by the user face image comparison / determination unit 531, the user specifying unit 532 specifies a user who contributes to the change in the number of users, and uses the user face images 602, 604, and 606 corresponding to the user. Generate specific information. In other words, the user specifying unit 532, in addition to the information acquired by the user face image comparison / determination unit 531, at which time, which face user appears or disappears in the service providing location 501, and how much the number of users changes Get information about what you did.

  The split account information generation unit 533 adds the time indicated by the timers 508 and 528 in the front end unit 500 and generates the payment amount generated by the payment amount generation unit 509 and the user faces of the plurality of users stored in the user face image storage unit 529. The split bill information 600 is generated including the split bill coefficients 609, 610, and 611 generated for each user based on the image 608 and the user specific information generated by the user specifying section 532. The split account information 600 is used to automatically determine an individual settlement amount for each user, and is associated with the user attribute information 601 of each user.

  The split account coefficients 609, 610, and 611 are used to determine the payment amount for each user by acting on the payment amount generated by the payment amount generation unit 509. Here, the split coefficient 609, 610, 611 is user specifying information, that is, information including time, and is a value that changes with time. For example, it can be determined based on the time that the user specified by the user specifying unit 532 was provided with the service at the service providing place 501.

  In addition, the split coefficient 609, 610, 611 may be changed according to the user attribute information 601 of the user specified by the user specifying unit 532 and information associated therewith. For example, the split-account information generation unit 533 can also generate based on the value of the second credit frame 223 of each user as a reference. Further, the split-account information generation unit 533 can generate the facial expression of each user based on the facial expression of each user, that is, the emotion of each user at the service providing location 501.

  FIG. 6 shows a conceptual diagram of the data structure of the split bill information 600. The split information 600 is formed, for example, as spreadsheet data and recorded in the user attribute information management server 523. Furthermore, the split information 600 including the user face images 608 of a plurality of users is associated with the user attribute information 601 including the user face images 602, 604, and 606 of each user displayed there. In other words, in the user attribute information management server 523, at which time a plurality of users are configured by which user, which user appears or disappears in the service providing place 501, and how much the number of users has changed. Information is recorded.

  At this time, the split-account information generation unit 533 further associates the user attribute information 601 of each user associated with the split-account information 600 with each other as shown in FIG. 6 and records them in the user attribute information management server 523. It is also possible. In this case, when the same plurality of users use the system of the present invention again, the credit judgment unit 524 refers to the past apportion information 600 recorded in the user attribute information management server 523 and generates apportionment information. The part 533 can determine the split coefficient 609, 610, 611 for each user based on the split account information 600. For example, when a newly generated user face image 613 of a plurality of users and a user face image 608 of a plurality of users generated in the past are collated and it can be determined that they are the same, a split account is given to the same plurality of users. The information generation unit 533 may generate the same split coefficient 609, 610, 611.

  The credit judgment unit 524 accesses the user attribute information management server 523 and refers to the user attribute information 601 associated with the split account information 600, so that (1) the initial credit for the user is given to each user. Whether or not to determine the first credit limit 222, (2) whether or not to determine the second credit limit 223 by performing a credit check for the user, and (3) making a credit inquiry for the user and performing the credit transaction by the user Judgment is made on whether or not to permit the operation. This determination is made sequentially for each user, and as a result, a credit transaction can be performed for a plurality of users by a procedure similar to the procedure described in the first configuration example. Become.

  In the case of implementing such a system configuration example and application software for controlling the operation of the system, the number of users in the service providing place 501 changes with respect to time, and at that time, all the users of the plurality of users make credit transactions. In particular, it is possible to obtain the effect of the present invention when it is not possible to perform the above. For example, it is suitable to apply to taxis that allow multiple people to ride, restaurants that can be used by multiple people, karaoke boxes, party venues, and the like.

  A user who has not yet been able to use a credit transaction can receive an initial credit on the spot at the service providing place 501 only by information on the user's face by implementing the system of the present invention. It is not necessary to be able to conduct credit transactions before

  Therefore, when multiple users participate in or leave the service providing place 501 at an arbitrary time, it is possible to flexibly make a split payment by using a credit transaction.

100, 500 Front-end unit 101, 501 Service providing place 102, 502 Imaging unit 103, 503 User face image generation unit 104, 504 Display unit 105, 505 Receipt issuing unit 106, 506 Calculation units 107, 111, 507, 521 Transmission / reception interface 108, 510 Receipt 109, 511 User terminal 110, 520 Back-end unit 112, 522 User attribute information acquisition / generation unit 113, 523 User attribute information management server 114, 524 Credit judgment unit 115, 525 Credit management unit 116, 526 Image sending unit 117, 527 Image server 118, 534 User preference determination unit 120, 540 Network 121, 541 Information 122, 542 Credit application page 123, 543 related to user face image Trading account 124, 544 Trading account management Server 200, 601 User attribute information 201, 602, 604, 606 User face image 202 User identification information 203 User preference information 210 User credit judgment information 211 Initial credit acceptability judgment result 212 Credit examination suitability judgment result 213 Credit inquiry suitability result 214 Payment history Result 221 User reliability 222 First credit frame 223 Second credit frame 400 Displayed content 401 Image extracted from user face image 402 User name or name extracted from user identification information 403 Message display screen 404 Operation button 508, 528 Timer 509 Settlement amount generation unit 529 User face image storage unit 530 User face image separation unit 531 User face image comparison judgment unit 532 User identification unit 533 Split account information generation unit 600 Split account information 608 User face images of multiple users

Claims (11)

A credit management system for managing credit transactions including credit settlement performed by a user,
The credit management system includes:
A user face image generation unit for generating a user face image for displaying the user's face as image information;
Whether to make an initial credit to the user and determine a first credit limit;
Whether to perform a credit review of the user to determine a second credit limit, and whether to allow the user to perform a credit transaction,
A credit judgment unit for judging based on the user face image and / or user identification information;
A credit management unit that performs a first adjustment on the second credit frame determined by the credit determination unit based on the determination by the credit determination unit;
A credit management system that enables a user to perform a credit transaction without using a physical medium including at least a credit card when the user performs a credit transaction. Acquiring information related to the user face image, extracting the user identification information from the information related to the acquired user face image;
A user attribute information acquisition and generation unit configured to combine the user face image and the user identification information to generate user attribute information of the user and record the generated user attribute information in a user attribute information management server; The credit management system according to claim 1.   The credit management system according to claim 2, wherein the user attribute information acquisition and generation unit acquires information related to the user face image from a WEB page on the Internet using the user face image. Based on the change of the user identification information or the user identification information included in the user attribute information, and the change of the expression of the user face image or the expression of the user face image included in the user attribute information,
The credit management system according to claim 2, further comprising a user preference determination unit that determines the user preference. An image transmission unit that is communicably connected to an image server in which an image is recorded, and that selects and transmits an image suitable for the user from within the image server based on the user attribute information;
The credit management system according to claim 2, further comprising: a display unit that displays the image transmitted from the image transmission unit so that the user can visually recognize the image. After the initial credit is given to the user and the user performs a credit transaction, a receipt on which a credit usage mark indicating that the credit transaction has been performed by the initial credit is displayed is issued to the user,
The user is allowed to access a credit application page communicable with the credit determination unit using the credit use mark, and based on the credit application page information and the user identification information, the user is subjected to a credit examination, and The credit management system according to claim 1, wherein it is determined whether or not a second credit frame is determined. The user preference determination unit generates user preference information indicating the determined user preference, records the user preference information in the user attribute information management server in association with the user attribute information of the user, and refers to the user preference information. ,
When it is determined that the user preference information has changed, the user preference information is updated,
The image sending unit accesses the user attribute information management server, selects and sends an image suitable for the user from the image server based on the updated user preference information,
The credit management system according to claim 4. When the credit determination unit determines not to determine the second credit frame by performing a credit examination of the user for the user for which the first credit frame is determined,
The time until the total value of the settlement amount for the first credit limit determined by the user reaches the first credit limit is a predetermined value or less, or
When the frequency of settlement for the first credit limit determined by the user is a predetermined value or more,
The credit management system according to any one of claims 1 to 7, wherein the credit judgment unit judges whether or not a second credit limit is determined by performing credit examination of the user again with respect to the user.   The credit management unit, in addition to the determination by the credit determination unit, based on the frequency with which the user is permitted to perform a credit transaction, the amount of the credit transaction, and the target of the credit transaction, The credit management system according to claim 1, wherein a second adjustment is made to the credit frame.   The credit management system according to claim 5, wherein a part including the user face image generation unit and the display unit is installed in one or a plurality of portable information communication terminals, and the receipt is displayed on the display unit. .   Application software for controlling and operating the credit management system according to claim 1.

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