JP2022174428A - Card management system, card management method, and program - Google Patents

Abstract

To provide a card management system, a card management method, and a program that can reduce the risk that a card issued in a non-activated state is improperly used.SOLUTION: In a card management system, a collation server 60 comprises: a storage unit 62 that stores in association with each other first identification information for identifying an issuance application for a service in which a card is issued, an identification document with a first appearance image of an applicant, and an identification document image obtained by photographing a second appearance image of the applicant; an activation information acquisition unit 635 that, when an activation procedure is performed, acquires a third appearance image of a recipient of the card photographed during the activation procedure and input second identification information; a storage information acquisition unit 636 that acquires the second appearance image associated with the first identification information identical to the second identification information; and an activation collation unit 637 that collates the second appearance image and the third appearance image with each other to determine whether the applicant and the recipient are identical to each other.SELECTED DRAWING: Figure 7

Description

The present invention relates to a card management system, card management method, and program.

Conventionally, in services where cards such as credit cards and cash cards are issued, the card issued by the user applying for the card is issued in a usable state (that is, in an activated state). It is sent to the user (hereinafter also referred to as "applicant"). Therefore, the user who received the card (hereinafter also referred to as "recipient") can use the card immediately.

However, if the card is sent in an activated state, the card can be used even if a person other than the applicant receives the card, so there is a possibility that the card will be misused.
Therefore, the card is sent to the user in an unusable state (that is, in an unactivated state), and the user who receives the card activates it, or the card company receives a request from the user who received the card. It is conceivable that the person in charge of

For credit card services used in communication terminals such as smartphones, there has been proposed a technique in which users themselves perform activation, such as the technique of Patent Document 1 below. In this technique, a user requests an admission examination for a credit card service from a user terminal. After passing the admission examination, activation information for enabling the application of the credit card service is sent to the user terminal of the user. The user activates using the received activation information.

JP 2019-145071 A

However, in services where cards are physically issued, it is difficult to prove the identity of the applicant and the recipient. Therefore, even if the user applies the activation technology of Patent Document 1 to the service, and the card is sent to the user in an unactivated state, it will not be possible to send the card to the recipient who is different from the applicant. If the card is delivered to , there is a risk that the card will be misused.

SUMMARY OF THE INVENTION In view of the above problems, an object of the present invention is to provide a card management system, a card management method, and a program capable of reducing the risk of misuse of cards issued in an unactivated state. .

In order to solve the above-described problems, a card management system according to an aspect of the present invention includes first identification information that uniquely identifies a card issuance application for a service in which a card is issued; corresponds to the identity verification document image obtained by photographing the identity verification document attached with the first appearance image showing the applicant's appearance, and the second appearance image obtained by photographing the applicant's appearance at the time of applying for card issuance. and a storage unit for storing the card, and a third device for photographing the face of the recipient at the time of the activation procedure when the recipient of the card issued in an unactivated state performs the activation procedure of the card. and an activation information acquisition unit that acquires the second identification information that has been input, and the second identification information that is associated with the first identification information that is the same as the acquired second identification information. A stored information acquisition unit that acquires a facial image from the storage unit, and compares the acquired second facial image with the third facial image to determine whether or not the applicant and the recipient are the same. and an activation matching unit for determining.

In a card management method according to an aspect of the present invention, the storage unit stores first identification information that uniquely identifies an application for card issuance to a service in which a card is issued; A memory for correlating and storing an identity verification document image obtained by photographing an identity verification document attached with a first appearance image showing and an activation information acquiring unit, when a recipient of a card issued in an unactivated state performs a procedure for activating the card, photographing the face of the recipient during the activation procedure. 3, an activation information acquisition process for acquiring the facial image and the input second identification information, and the stored information acquisition unit corresponds to the first identification information that is the same as the acquired second identification information. A stored information acquisition step of acquiring the attached second facial image from the storage unit; and an activated matching process to determine if the recipients are the same.

A program according to an aspect of the present invention provides a computer with first identification information that uniquely identifies an application for card issuance to a service in which a card is issued, A memory for storing in a storage part an identity verification document image obtained by photographing the identity verification document attached with the facial image of 1 and a second facial image obtained by photographing the applicant's appearance at the time of applying for card issuance. means, and a third face image of the face of the recipient when the recipient of the card issued in an unactivated state activates the card during the activation procedure; activation information acquiring means for acquiring input second identification information; and storing the second facial image associated with the first identification information identical to the acquired second identification information. stored information acquisition means acquired from the department, and activated collation means for collating the acquired second and third facial images and determining whether or not the applicant and the recipient are the same. and function as

According to the present invention, it is possible to reduce the risk that a card issued in an unactivated state will be abused.

BRIEF DESCRIPTION OF THE DRAWINGS It is a block diagram which shows an example of a structure of the card issuing system which concerns on embodiment of this invention. It is a figure which shows the outline|summary of the collation process which concerns on embodiment of this invention. 3 is a block diagram showing an example of functional configuration of an applicant terminal according to the embodiment of the present invention; FIG. 3 is a block diagram showing an example of the functional configuration of the recipient terminal according to the embodiment of the present invention; FIG. It is a block diagram showing an example of the functional configuration of the card company terminal according to the embodiment of the present invention. It is a block diagram showing an example of functional composition of an application reception server concerning an embodiment of the present invention. It is a block diagram showing an example of a functional configuration of a matching server according to an embodiment of the present invention. FIG. 4 is a sequence diagram showing an example of the flow of processing in the membership application process according to the embodiment of the present invention; FIG. 4 is a sequence diagram showing the flow of processing in the activation procedure step according to the embodiment of the present invention;

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
In this embodiment, an example in which the specific type of card is a credit card will be described. Therefore, the card issuance service is a credit card issuance service (hereinafter also referred to as "credit card issuance service"), and the business that issues the card is a credit card company (hereinafter, "card company"). is also called). In this embodiment, the credit card is issued in an unusable state (ie, not activated) and sent to the user.
Note that the type of card is not limited to a credit card, and may be a cash card, a debit card, or the like. Also, the name of the service for which the card is issued and the name of the card company may change according to the type of card.

<<1. Configuration of card issuing system>>
A configuration of a card issuing system according to an embodiment of the present invention will be described with reference to FIGS. 1 and 2. FIG. FIG. 1 is a block diagram showing an example configuration of a card issuing system according to an embodiment of the present invention.
A card issuing system 1 shown in FIG. 1 is a system for issuing cards. In the present embodiment, the type of card is a credit card, so the object to be issued by the card issuing system is a credit card. It should be noted that the target issued by the card issuing system may vary according to the type of card.
As shown in FIG. 1, the card issuing system 1 according to this embodiment includes an applicant terminal 10, a recipient terminal 20, a card issuer terminal 30, and a card management system 40. FIG.

(1) Applicant terminal 10
The applicant terminal 10 is a terminal operated by a user (hereinafter also referred to as an "applicant") who has applied for a credit card issuance to a credit card issuing service (hereinafter also referred to as a "card issuance application"). is. The applicant terminal 10 according to this embodiment is, for example, a smart phone. Applicant terminal 10 is not limited to a smart phone, and may be a tablet terminal, a PC (Personal Computer), or the like.
Applicant terminal 10 is communicably connected to card company terminal 30 and card management system 40 via network NW.

A credit card is issued when, for example, an application for new membership to a credit card issuing service, an application for reissuance of a credit card, an application for renewal of a credit card, or the like is accepted. Therefore, an application for issuing a credit card includes an application for membership, an application for reissuance, an application for renewal, and the like. Hereinafter, in this embodiment, an example in which an application for issuing a credit card is an application for membership (hereinafter also referred to as "application for membership") will be described.

(2) Recipient terminal 20
The recipient terminal 20 is a terminal operated by a user (hereinafter also referred to as a "recipient") who receives a credit card issued and sent by a credit card company. The recipient terminal 20 according to this embodiment is, for example, a smart phone. Note that the recipient terminal 20 is not limited to a smart phone, and may be a tablet terminal, a PC, or the like.
The recipient terminal 20 is communicably connected to the card company terminal 30 and the card management system 40 via the network NW.

Applicant terminal 10 and recipient terminal 20 may be the same terminal or different terminals regardless of whether the applicant and the recipient are the same person. Hereinafter, in this embodiment, when the applicant and the recipient are the same person, the applicant terminal 10 and the recipient terminal 20 are assumed to be the same terminal. , the applicant terminal 10 and the recipient terminal 20 are assumed to be different terminals.

(3) Card company terminal 30
The card company terminal 30 is a terminal operated by a person in charge of the card company. The card company terminal 30 according to this embodiment is, for example, a PC. Note that the card company terminal 30 is not limited to a PC, and may be a smart phone, a tablet terminal, or the like.
The card company terminal 30 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card management system 40 via the network NW.

(4) Card management system 40
The card management system 40 is a system that manages credit cards issued by the card issuing system 1 .
As shown in FIG. 1, the card management system 40 according to this embodiment includes an application reception server 50 and a verification server 60 .

(4-1) Application reception server 50
The application reception server 50 is a server device that receives various applications. The application reception server 50 according to this embodiment is realized by, for example, a PC.
The application reception server 50 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card company terminal 30 via the network NW.

(4-2) Verification server 60
The matching server 60 is a server device that performs processing for matching applicants and recipients (hereinafter also referred to as “matching processing”). The collation server 60 according to this embodiment is implemented by, for example, a PC.
The verification server 60 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card company terminal 30 via the network NW.

Here, an overview of the matching process performed by the matching server 60 will be described with reference to FIG. FIG. 2 is a diagram showing an overview of matching processing according to the embodiment of the present invention. FIG. 2 shows, as an example, an overview of verification processing performed by the verification server 60 when an applicant applies for membership.
As shown in FIG. 2, the matching process is performed in each of a process in which an applicant applies for membership (admission application process) and a process in which an applicant performs an activation procedure (activation procedure process). The activation procedure is a procedure for making the issued credit card usable (that is, activated).

In the membership application process, verification using the personal identification document image 70 and the second facial image 80 is performed. A personal identification document image 70 is an image of a personal identification document 73 attached with a first appearance image 72 showing a first appearance 71 of the applicant. The personal identification document 73 is specifically a driver's license, a passport, an individual number card, or the like.
The second facial image 80 is an image of the second facial features 81 of the applicant. The personal identification document image 70 and the second appearance image 80 are images taken by the applicant using the applicant terminal 10 when applying for membership.
In the membership application process, for example, the first facial image 72 appearing in the personal identification document image 70 and the second facial image 80 are collated. Specifically, in the collation, the applicant's first appearance 71 indicated by the first appearance image 72 and the applicant's second appearance 81 indicated by the second appearance image 80 are compared. It is determined whether or not the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same.
In this embodiment, after the matching process in the membership application process, a visual check is performed by the person in charge of the card company. If the person in charge visually confirms that the person is the same person, it is determined that the admission procedure is completed. On the other hand, if it is not determined that the person is the same person by visual confirmation by the person in charge, it is decided not to complete the membership procedure.
Depending on the accuracy of matching by the matching server 60, even if the matching server 60 determines that the person is the same person, the person in charge may visually confirm that the person is not the same person. On the other hand, even if it is determined that the person is not the same person by the matching by the matching server 60, it may be determined that the person is the same person by visual confirmation by the person in charge. In this way, the accuracy of matching by the matching server 60 can be compensated by the visual confirmation by the person in charge.
It should be noted that, in the case where the person in charge does not perform visual confirmation, it may be determined that the membership procedure is completed when it is determined that the person is the same person in the verification process by the verification server 60 .

In the activation procedure step, matching using the second facial image 80 and the third facial image 90 is performed. The third facial image 90 is an image of the third facial features 91 of the recipient. The third facial image 90 is an image captured by the recipient using the recipient terminal 20 during the activation procedure.
In the activation procedure step, for example, matching of the second facial image 80 and the third facial image 90 is performed. Specifically, in the collation, the applicant's second appearance 81 indicated by the second appearance image 80 and the recipient's third appearance 91 indicated by the third appearance image 90 are compared. It is determined whether or not the person indicated by the second facial image 80 and the person indicated by the third facial image 90 are the same.
When it is determined in the verification process in the activation procedure step that the person indicated by the second facial image 80 and the person indicated by the third facial image 90 are the same person, it is determined to activate the credit card. .

<<2. Functional configuration >>
The functional configuration of each terminal and each server according to the embodiment of the present invention will be described with reference to FIGS. 3 to 7. FIG.

<2-1. Functional Configuration of Applicant Terminal>
A functional configuration of the applicant terminal 10 according to the embodiment of the present invention will be described with reference to FIG. FIG. 3 is a block diagram showing an example of the functional configuration of the applicant terminal 10 according to the embodiment of the invention.
As shown in FIG. 3 , the applicant terminal 10 according to this embodiment includes a communication section 11 , an input section 12 , an imaging section 13 , a storage section 14 , a control section 15 and a display section 16 .

(1) Communication unit 11
The communication unit 11 has a function of transmitting and receiving various information. For example, the communication unit 11 transmits and receives information to and from the card company terminal 30 and the card management system 40 via the network NW.

(2) Input section 12
The input unit 12 has a function of receiving input from applicants. The input unit 12 outputs the received input to the control unit 15 . The input unit 12 is realized by devices such as a touch panel, a keyboard, a mouse, a microphone, etc. that the applicant terminal 10 has as hardware.
The applicant operates the input unit 12 to apply for membership, for example. Specifically, the applicant operates the input unit 12 to access the site (web page) for applying for membership of the credit card issuing service, and inputs information necessary for applying for membership on the site. Further, the applicant operates the input unit 12 to access the site (web page) for verification processing in the membership application process, and inputs information necessary for verification processing at the site.

(3) Imaging unit 13
The imaging unit 13 is a camera. The imaging unit 13 is, for example, a camera built into the applicant terminal 10 . The imaging unit 13 may write and store the captured image in the storage unit 14 .
Note that the function of the imaging unit 13 may be realized by a camera independent of the applicant terminal 10 . For example, it is a digital camera, a web camera, a video camera, and the like. When the imaging unit 13 functions as a camera independent of the applicant terminal 10, the applicant uses wired communication, wireless communication, or a storage medium to output the image captured by the camera to the applicant terminal 10. do.

(4) Storage unit 14
The storage unit 14 has a function of storing various information. The storage unit 14 stores a storage medium provided as hardware in the applicant terminal 10, for example, HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, EEPROM (Electrically Erasable Programmable Read Only Memory), RAM (Random Access Memory). read/write memory), ROM (Read Only Memory), or any combination of these storage media.

(5) Control unit 15
The control unit 15 has a function of controlling the overall operation of the applicant terminal 10 . The control unit 15 is implemented, for example, by causing a CPU (Central Processing Unit) provided as hardware in the applicant terminal 10 to execute a program.

(6) Display unit 16
The display unit 16 has a function of displaying various information. The display unit 16 is implemented by, for example, a display included as hardware in the applicant terminal 10 .

<2-2. Functional Configuration of Recipient Terminal>
A functional configuration of the recipient terminal 20 according to the embodiment of the present invention will be described with reference to FIG. FIG. 4 is a block diagram showing an example of functional configuration of the recipient terminal 20 according to the embodiment of the present invention.
As shown in FIG. 4, the recipient terminal 20 according to this embodiment includes a communication section 21, an input section 22, an imaging section 23, a storage section 24, a control section 25, and a display section .

(1) Communication unit 21
The communication unit 21 has a function of transmitting and receiving various information. For example, the communication unit 21 transmits and receives information to and from the card company terminal 30 and the card management system 40 via the network NW.

(2) Input unit 22
The input unit 22 has a function of receiving input by the recipient. The input unit 22 outputs the received input to the control unit 25 . The input unit 22 is realized by devices such as a touch panel, a keyboard, a mouse, a microphone, etc., which are provided as hardware in the recipient terminal 20, for example.
The recipient, for example, operates the input unit 22 to perform the activation procedure. Specifically, the recipient operates the input unit 22 to access the site (web page) for the activation procedure of the issued credit card, and inputs the information necessary for the activation procedure at the site. The site for activation procedure is the site for verification processing in the activation procedure step.

(3) Imaging unit 23
The imaging unit 23 is a camera. The imaging unit 23 is, for example, a camera built into the recipient terminal 20 . The imaging unit 23 may write and store the captured image in the storage unit 24 .
Note that the function of the imaging unit 23 may be realized by a camera independent of the recipient terminal 20 . For example, it is a digital camera, a web camera, a video camera, and the like. If the imaging unit 23 functions as a camera independent of the recipient terminal 20, the recipient uses wired communication, wireless communication, or a storage medium to output the image captured by the camera to the recipient terminal 20. do.

(4) Storage unit 24
The storage unit 24 has a function of storing various information. The storage unit 24 is configured by a storage medium provided as hardware in the recipient terminal 20, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

(5) Control unit 25
The control unit 25 has a function of controlling the overall operation of the recipient terminal 20 . The control unit 25 is implemented, for example, by causing a CPU provided as hardware in the recipient terminal 20 to execute a program.

(6) Display unit 26
The display unit 26 has a function of displaying various information. The display unit 26 is implemented by, for example, a display provided as hardware in the recipient terminal 20 .

<2-3. Functional Configuration of Card Company Terminal>
A functional configuration of the card issuer terminal 30 according to the embodiment of the present invention will be described with reference to FIG. FIG. 5 is a block diagram showing an example of the functional configuration of the card issuer terminal 30 according to the embodiment of the present invention.
As shown in FIG. 5, the card company terminal 30 according to this embodiment includes a communication section 31, an input section 32, a storage section 33, a control section 34, and a display section 35. FIG.

(1) Communication unit 31
The communication unit 31 has a function of transmitting and receiving various information. For example, the communication unit 31 transmits and receives information to and from the applicant terminal 10, the recipient terminal 20, and the card management system 40 via the network NW.

(2) Input unit 32
The input unit 32 has a function of receiving input by the person in charge. The input unit 32 outputs the received input to the control unit 34 . The input unit 32 is realized by devices such as a touch panel, a keyboard, a mouse, a microphone, etc. that the card company terminal 30 has as hardware.
For example, the person in charge operates the input unit 32 to visually confirm the applicant, enroll, and activate. Specifically, the person in charge operates the input unit 32 to access a site (web page) for visual confirmation, and at the site, the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are displayed. It is visually confirmed whether or not the person is the same person. Also, the person in charge accesses the card management system 40 by operating the input unit 32 and obtains information necessary for executing the membership procedure and the activation procedure.

(3) Storage unit 33
The storage unit 33 has a function of storing various information. The storage unit 33 is configured by a storage medium provided as hardware in the card issuer terminal 30, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

(4) Control unit 34
The control unit 34 has a function of controlling the overall operation of the card issuer terminal 30 . The control unit 34 is implemented, for example, by causing a CPU provided as hardware in the card issuer terminal 30 to execute a program.
As shown in FIG. 5 , the control unit 34 includes a reception information acquisition unit 341 , an application verification information acquisition unit 342 , a procedure processing unit 343 , an activation verification result acquisition unit 344 and an activation processing unit 345 .

(4-1) Reception information acquisition unit 341
The reception information acquisition unit 341 has a function of acquiring reception information. The reception information is information when an application for membership is received from an applicant, and is information input by the applicant to the site for applying for membership. The reception information acquisition unit 341 acquires reception information from the application reception server 50 . The reception information acquiring unit 341 may write the acquired reception information to the storage unit 33 to store it.

(4-2) Application verification information acquisition unit 342
The application verification information acquisition unit 342 has a function of acquiring information regarding verification processing in the membership application process. The application matching information acquisition unit 342 acquires the identity verification document image 70 and the second facial image 80 of the applicant to be visually confirmed when the person in charge accesses the site for visual confirmation. The application matching information acquisition unit 342 causes the display unit 35 to display the acquired images. This allows the person in charge to visually confirm the applicant.
When acquiring information on the matching process, the application matching information acquisition unit 342 may also acquire the result of the matching process by the matching server 60 in the membership application process, and cause the display unit 35 to display the result. The application matching information acquisition unit 342 may write the acquired information on the matching process in the membership application process to the storage unit 33 for storage.

(4-3) Procedure processing unit 343
The procedure processing unit 343 has a function of executing a membership procedure. For example, when the person in charge visually confirms that the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same person, the procedure processing unit 343 executes the membership procedure. , to complete the enrollment process.
After completing the membership procedure, the procedure processing unit 343 transmits an email notifying that the membership procedure has been completed from the communication unit 31 to the applicant terminal 10 . Further, after the membership procedure is completed, the procedure processing unit 343 also executes processing for issuing a credit card in an inactivated state and transmitting it to the applicant.

(4-4) Activation Verification Result Acquisition Unit 344
The activation matching result acquisition unit 344 has a function of acquiring the matching result of the matching process in the activation procedure step. The activation verification result acquisition unit 344 accesses the verification server 60 to acquire the verification processing result in the activation procedure step, and causes the display unit 35 to display the result.
Thereby, the person in charge can confirm the matching result of the matching process in the activation procedure step and decide whether or not to activate the credit card. The activation matching result acquisition unit 344 may write the acquired matching result of the matching process in the activation procedure step to the storage unit 33 for storage.

(4-5) Activation processing unit 345
The activation processing unit 345 has a function of activating a credit card. The activation processing unit 345 activates the credit card when the person in charge decides to activate the credit card, that is, when the applicant and the recipient are the same.
After the activation processing is completed, the activation processing section 345 transmits an email notifying that the activation processing has been completed from the communication section 31 to the recipient terminal 20 .

(5) Display unit 35
The display unit 35 has a function of displaying various information. The display unit 35 is implemented by, for example, a display provided as hardware in the card company terminal 30 .

<2-4. Functional Configuration of Application Receiving Server>
A functional configuration of the application reception server 50 according to the embodiment of the present invention will be described with reference to FIG. FIG. 6 is a block diagram showing an example of the functional configuration of the application reception server 50 according to the embodiment of the invention.
As shown in FIG. 6 , the application reception server 50 according to this embodiment includes a communication section 51 , a storage section 52 and a control section 53 .

(1) Communication unit 51
The communication unit 51 has a function of transmitting and receiving various information. For example, the communication unit 51 transmits and receives information to and from the applicant terminal 10, the card company terminal 30, and the collation server 60 via the network NW.

(2) Storage unit 52
The storage unit 52 has a function of storing various information. The storage unit 52 is configured by a storage medium provided as hardware in the application reception server 50, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

(3) Control unit 53
The control unit 53 has a function of controlling the overall operation of the application reception server 50 . The control unit 53 is implemented, for example, by causing a CPU provided as hardware in the application reception server 50 to execute a program.
As shown in FIG. 6, the control unit 53 includes a site display unit 531, an input information acquisition unit 532, a reception processing unit 533, and a data cooperation unit 534.

(3-1) Site display unit 531
The site display unit 531 has a function of displaying a site for applying for membership of the credit card issuing service. For example, when the applicant terminal 10 requests access to a membership application site, the site display unit 531 displays the membership application site on the applicant terminal 10 .

(3-2) Input information acquisition unit 532
The input information acquisition unit 532 has a function of acquiring input information. The input information acquisition unit 532 acquires information input by the applicant to the membership application site as input information. The input information includes, for example, the applicant's name, gender, date of birth, address, telephone number, e-mail address, account information, and the like. The input information acquisition unit 532 may write the acquired input information to the storage unit 52 for storage.

(3-3) Reception processing unit 533
The acceptance processing unit 533 has a function of accepting a membership application. For example, when an applicant requests a membership application via a membership application site, the reception processing unit 533 receives the membership application. The reception processing unit 533 issues a reception number that uniquely identifies the membership application when it receives the membership application. The receipt number issued by the receipt processing unit 533 is an example of the first identification information in the claims.
After the acceptance is completed, the acceptance processing unit 533 transmits the issued acceptance number and an e-mail notifying that the acceptance of the membership application has been completed from the communication unit 51 to the applicant terminal 10 . The receipt number and the completion of receipt may be notified by one e-mail, or may be notified by separate e-mails.

(3-4) Data linkage unit 534
The data linking unit 534 has a function of linking data related to admission application reception. For example, when the acceptance processing unit 533 accepts a membership application, the data cooperation unit 534 transmits the input information acquired by the input information acquisition unit 532 as acceptance information from the communication unit 51 to the card company terminal 30 .
In addition, when receiving a reception information acquisition request from the card company terminal 30, the data cooperation unit 534 transmits the input information acquired by the input information acquisition unit 532 as reception information from the communication unit 51 to the card company terminal 30. may

The data linking unit 534 also transmits the reception number issued by the reception processing unit 533 from the communication unit 51 to the matching server 60 . Note that the data linking unit 534 may transmit input information corresponding to the receipt number to the matching server 60 together with the receipt number.

<2-5. Functional Configuration of Verification Server>
A functional configuration of the matching server 60 according to the embodiment of the present invention will be described with reference to FIG. FIG. 7 is a block diagram showing an example of the functional configuration of the collation server 60 according to the embodiment of the invention.
As shown in FIG. 7, the verification server 60 according to this embodiment includes a communication section 61, a storage section 62, and a control section 63. FIG.

(1) Communication unit 61
The communication unit 61 has a function of transmitting and receiving various information. For example, the communication unit 61 transmits and receives information to and from the applicant terminal 10, the recipient terminal 20, the card company terminal 30, and the application reception server 50 via the network NW.
The communication unit 61 writes the reception number issued by the reception processing unit 533 received from the application reception server 50 to the storage unit 62 for storage. When input information corresponding to the reception number is also received when the reception number is received, the reception number and the input information may be associated and written to the storage unit 62 for storage.

(2) Storage unit 62
The storage unit 62 has a function of storing various information. The storage unit 62 is configured by a storage medium provided as hardware in the verification server 60, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

(3) Control unit 63
The control unit 63 has a function of controlling the overall operation of the matching server 60 . The control unit 63 is implemented, for example, by causing a CPU provided as hardware in the verification server 60 to execute a program.
As shown in FIG. 7, the control unit 63 includes a site display unit 631, an application information acquisition unit 632, an application verification unit 633, an application processing unit 634, an activation information acquisition unit 635, a stored information acquisition unit 636, and an activation verification unit 637. Prepare.

(3-1) Site display section 631
The site display unit 631 has a function of displaying various sites. For example, when the applicant terminal 10 requests access to the site for matching processing in the membership application process, the site display unit 631 displays the site for matching processing in the membership application process on the applicant terminal 10 .
In addition, when the recipient terminal 20 requests access to a site for credit card activation procedures (that is, a site for verification processing in the activation procedure step), the site display unit 631 displays the site for verification processing in the activation procedure step. is displayed on the recipient terminal 20.
When the card company terminal 30 requests access to the site for visual confirmation, the site display unit 631 displays the site for visual confirmation on the card company terminal 30 .

(3-2) Application information acquisition unit 632
The application information acquisition unit 632 has a function of acquiring information necessary for verification processing in the membership application process. In the admission procedure, the applicant accesses the admission application site and the verification processing site in the admission application process from the applicant terminal 10, and performs the admission procedure.
When the applicant accesses the site for verification processing in the membership application process, the applicant inputs the reception number notified by the card company as information necessary for verification processing.
In addition, as information necessary for the verification process, the applicant uses the applicant terminal 10 to photograph the identity verification document 73 of the applicant (applicant) when performing the membership procedure (application for membership), A second facial image 80 obtained by photographing the second facial features 81 of the (applicant) is uploaded to the site for verification processing in the membership application process.

The application information acquisition unit 632 acquires the reception number input by the applicant to the site for verification processing in the membership application process, and the personal identification document image 70 and the second facial image 80 uploaded to the site.
The application information acquisition unit 632 performs identity verification acquired from the site for the reception number that matches the reception number acquired from the site for verification processing in the membership application process, among the reception numbers stored in the storage unit 62. The document image 70 and the second facial image 80 are associated with each other and written into the storage unit 62 for storage.

(3-3) Application Verification Unit 633
The application verification unit 633 has a function of performing verification processing in the membership application process. The application collation unit 633 collates the first facial image 72 and the second facial image 80, and determines whether the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same. determine whether
The application verification unit 633 combines the verification result indicating whether or not the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same as the reception number, the personal identification document image 70, It is written and stored in the storage unit 62 in association with the second facial image 80 .

(3-4) Application processing unit 634
The application processing unit 634 has a function of performing processing related to a membership application by an applicant. For example, when the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same, the application processing unit 634 allows the membership application procedure to be completed. On the other hand, if the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are not the same, the application processing unit 634 prevents the membership application procedure from being completed.
In this way, if the identity of the applicant cannot be verified in the membership application process, the following procedure cannot be performed, thereby preventing the issuance of a credit card for a fraudulent application.

(3-5) Activation information acquisition unit 635
The activation information acquisition unit 635 has a function of acquiring information necessary for verification processing in the activation procedure step. The recipient accesses the credit card activation procedure site from the recipient terminal 20 and performs the activation procedure.
In the activation procedure, the recipient inputs the reception number notified by the card company as information for the verification process in the activation procedure step. The receipt number entered by the recipient is an example of the second identification information in the claims.
In addition, the recipient uses the recipient terminal 20 to capture a third facial image 91 of himself/herself (the recipient) as information necessary for verification processing in the activation procedure step, when performing the activation procedure. , Upload to the site for activation procedures.

When the credit card has been activated by the recipient, the activation information acquisition unit 635 obtains the reception number entered by the recipient on the website for the activation procedure and the third appearance uploaded to the website. An image 90 is obtained.
The activation information acquisition unit 635 obtains the third facial image 90 acquired from the site for the reception number stored in the storage unit 62 that matches the reception number obtained from the activation procedure site. may be associated with each other and written in the storage unit 62 for storage.

(3-6) Stored information acquisition unit 636
The stored information acquisition section 636 has a function of acquiring from the storage section 62 information necessary for the matching process in the activation procedure step. For example, the stored information acquisition unit 636 associates the reception number (first identification information) stored in the same storage unit 62 with the reception number (second identification information) acquired by the activation information acquisition unit 635. A second facial image 80 is acquired from the storage unit 62 .

(3-7) Activate Verification Unit 637
The activation verification unit 637 has a function of performing verification processing in the activation procedure step. The activation collation unit 637 collates the second facial image 80 acquired by the stored information acquisition unit 636 with the third facial image 90 acquired by the activate information acquisition unit 635, and determines that the applicant and the recipient are the same. Determine whether or not there is

The activation verification unit 637 transmits the result of verification processing in the activation procedure step from the communication unit 61 to the card company terminal 30 . As a result, the person in charge of the card company can confirm the result of the verification process in the activation procedure step from the card company terminal 30 and decide whether or not to activate the credit card. If the result of the verification process indicates that the applicant and recipient are not the same person, the person in charge can prevent the credit card from being abused by not activating.

Note that the activation verification unit 637 stores the result of verification processing in the activation procedure step in association with the receipt number, the identity verification document image 70, the second facial image 80, and the third facial image 90. It may be written in the unit 62 and stored.

<<3. Process Flow>>
The flow of processing according to the embodiment of the present invention will be described with reference to FIGS. 8 and 9. FIG. As described with reference to FIG. 2, the card issuance process in this embodiment includes a membership application process and an activation procedure process. The flow of processing in each step will be described in detail below.

<3-1. Flow of processing in the membership application process>
The flow of processing in the membership application process will be described with reference to FIG. FIG. 8 is a sequence diagram showing an example of the flow of processing in the membership application process according to the embodiment of the present invention.

As shown in FIG. 8, first, when the applicant performs an operation to access a membership application site, the applicant terminal 10 accesses the site (step S101).
The applicant inputs information necessary for the membership application to the membership application site displayed on the display unit 16 of the applicant terminal 10 . When the input by the applicant is completed, the communication unit 11 of the applicant terminal 10 transmits the input information input by the applicant to the application reception server 50 (step S102).

The input information acquisition unit 532 of the application reception server 50 acquires the input information that the communication unit 51 of the application reception server 50 receives from the applicant terminal 10 . The reception processing unit 533 of the application reception server 50 receives a membership application corresponding to the acquired input information, and issues a reception number for the membership application (step S103).
After completing the acceptance of the membership application, the acceptance processing unit 533 transmits the issued acceptance number from the communication unit 51 to the verification server 60 (step S104).
Further, the reception processing unit 533 transmits an e-mail notifying that the reception of the membership application has been completed from the communication unit 51 to the applicant terminal 10 (step S105). The e-mail shall include the issued receipt number.

After receiving the e-mail notifying that the acceptance of the membership application has been completed, the applicant terminal 10 is operated to access the verification processing site in the membership application process by the applicant who confirmed the e-mail. Access the site (step S106).
The applicant inputs the reception number described in the e-mail according to the instructions shown on the site for verification processing displayed on the display unit 16 of the applicant terminal 10, and uses the applicant terminal 10 to display various images. shoot and upload. Applicant terminal 10 photographs the identity verification document of the applicant by the operation of the applicant (step S107). In addition, the applicant terminal 10 takes an image of the applicant's appearance by the applicant's operation (step S108).
The communication unit 11 of the applicant terminal 10 transmits the receipt number entered by the applicant, the photographed personal identification document image 70 and the second facial image 80 to the verification server 60 (step S109).

When the communication unit 61 of the verification server 60 receives the application information including the receipt number, the personal identification document image 70 and the second facial image 80 from the applicant terminal 10, the verification server 60 performs verification processing (step S110). Specifically, first, the application information acquisition unit 632 of the verification server 60 acquires the application information received by the communication unit 61 . The application verification unit 633 of the verification server 60 collates the first facial image 72 and the second facial image 80 attached to the personal identification document 73 indicated by the personal identification document image 70 included in the application information, It is determined whether or not the person indicated by the second appearance image 72 and the person indicated by the second appearance image 80 are the same.

The application verification unit 633 uses the reception number included in the application information and the identity verification unit 633 to obtain a verification result indicating whether or not the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same. The document image 70 and the second facial image 80 are written in correspondence with each other and stored in the storage unit 62 (step S111).

The data linkage unit 534 of the application reception server 50 receives the input information acquired by the input information acquisition unit 532 and the reception number issued by the reception processing unit 533 when the reception processing unit 533 of the application reception server 50 accepts the membership application. is transmitted from the communication unit 51 to the card company terminal 30 (step S112).

The reception information acquisition unit 341 of the card company terminal 30 acquires the reception information received by the communication unit 31 of the card company terminal 30 and displays it on the display unit 35 of the card company terminal 30 . When the person in charge who confirmed the reception information performs an operation to access the site for visual confirmation, the card company terminal 30 accesses the site (step S113).

The application verification information acquisition unit 342 of the card company terminal 30 acquires the identity verification document image 70 and the second facial image 80 of the applicant to be visually confirmed when the person in charge accesses the site for visual confirmation. and displayed on the display unit 35. The person in charge performs visual confirmation using the personal identification document image 70 and the second facial image 80 displayed on the display unit 35 .
Through visual confirmation by the person in charge, it was determined that the person indicated by the first facial image 72 attached to the personal identification document 73 indicated by the personal identification document image 70 and the person indicated by the second facial image 80 are the same. In this case, the procedure processing unit 343 of the card company terminal 30 executes the enrollment procedure and completes the enrollment procedure (step S114).

After completing the membership procedure, the procedure processing unit 343 transmits an email notifying that the membership procedure has been completed from the communication unit 31 to the applicant terminal 10 (step S115).
The procedure processing unit 343 also executes card issuing processing for issuing a credit card in an unactivated state and transmitting it to the applicant (step S116).

<3-2. Flow of processing in the activation procedure step>
The flow of processing in the activation procedure step will be described with reference to FIG. FIG. 9 is a sequence diagram showing the flow of processing in the activation procedure step according to the embodiment of the present invention.

As shown in FIG. 9, first, when the recipient who has received the issued credit card performs an operation to access the verification processing site in the activation procedure step, the recipient terminal 20 accesses the site. (Step S201).
The recipient follows the instructions shown on the verification processing site displayed on the display unit 26 of the recipient terminal 20, inputs the receipt number of the membership application, and uses the recipient terminal 20 to take an image. do the upload. The recipient terminal 20 takes an image of the recipient's face according to the recipient's operation (step S202).
The communication unit 21 of the recipient terminal 20 transmits the receipt number entered by the recipient and the third facial image 90 obtained by photography to the verification server 60 (step S203).

When the communication unit 61 of the verification server 60 receives the receipt number and the third facial image 90 from the recipient terminal 20, the verification server 60 performs verification processing (step S204). Specifically, first, the activation information acquisition unit 635 of the verification server 60 acquires the receipt number and the third facial image 90 received by the communication unit 61 . The stored information acquisition unit 636 of the verification server 60 associates the reception number (second identification information) acquired by the activation information acquisition unit 635 with the reception number (first identification information) stored in the same storage unit 62. The obtained second facial image 80 is acquired from the storage unit 62 . The activation collation unit 637 of the collation server 60 collates the second facial image 80 acquired by the stored information acquisition unit 636 with the third facial image 90 acquired by the activation information acquisition unit 635, and confirms the applicant and the receipt. determine whether the persons are the same.

The activation verification unit 637 uses the reception number, the personal identification document image 70, and the verification result indicating whether or not the person indicated by the second facial image 80 and the third facial image 90 are the same. The second facial image 80 and the third facial image 90 are written and stored in the storage unit 62 in association with each other (step S205).

The activation verification result acquisition unit 344 of the card company terminal 30 requests the verification server 60 for the verification result in the activation procedure step (step S206). At this time, the activation verification result acquisition unit 344 transmits the receipt number input by the person in charge from the communication unit 31 to the verification server 60 .
The collation server 60 requested for the collation result transmits the collation result associated with the received receipt number to the card company terminal 30 (step S207).

The activation matching result acquisition unit 344 acquires the matching result received by the communication unit 31 from the matching server 60 and causes the display unit 35 to display it. The person in charge confirms the matching result displayed on the display unit 35 and decides whether or not to execute the credit card activation process. If the person in charge decides to activate the credit card, that is, if the applicant and the recipient are the same, the activation processing unit 345 activates the credit card. (Step S208).

After the activation processing is completed, the activation processing section 345 transmits an email notifying that the activation processing has been completed from the communication section 31 to the recipient terminal 20 (step S209).

As explained above, the card management system 40 according to the embodiment of the present invention includes the storage section 62 , the activation information acquisition section 635 , the storage information acquisition section 636 and the activation verification section 637 .
A storage unit 62 captures a receipt number (first identification information) that uniquely identifies a membership application for a credit card, and a personal identification document 73 accompanied by a first facial image 72 of the applicant at the time of membership application. The personal identification document image 70 that has been obtained and the second appearance image 80 of the applicant's second appearance 81 photographed at the time of applying for membership are stored in association with each other.
When the recipient of a credit card issued in an unactivated state performs an activation procedure for the credit card, the activation information acquisition unit 635 captures the recipient's third face 91 during the activation procedure. The obtained third facial image 90 and the input receipt number (second identification information) are acquired.
The stored information obtaining unit 636 obtains from the storage unit 62 the second facial image 80 associated with the same reception number (first identification information) as the obtained reception number (second identification information).
The activation collation unit 637 collates the obtained second facial image 80 and the third facial image 90, and determines whether or not the applicant and the recipient are the same.

With such a configuration, the card management system 40 according to the embodiment of the present invention uses the image of the applicant photographed during the application for membership and the image of the recipient photographed during the activation procedure to identify the applicant and the recipient. determine whether the persons are the same. In this way, the card management system 40 makes determinations using real-time images, so it is possible to prevent spoofing by others using images taken in the past or images that have been used.
Therefore, the card management system 40 according to the embodiment of the present invention makes it possible to reduce the risk of misuse of credit cards issued in an unactivated state.

In order to ensure that the issued credit card is delivered to the applicant without error, it is often sent by a method such as registered mail that is strictly handled and handed over to the applicant. However, since the postage of registered mail is higher than the postage of ordinary mail, it is preferable that the card can be sent by a mailing method with a low postage, such as ordinary mail, when cost reduction is required.
In the card management system 40 according to this embodiment, even if a credit card is delivered to a person other than the applicant, the person who received the credit card cannot activate the credit card and cannot use it. Can not. Therefore, a credit card issued by a system using the card management system 40 does not necessarily have to be sent by a method such as registered mail that is strictly handled and handed over to the person in question, and may be sent by ordinary mail. As a result, the cost of shipping credit cards can be reduced.
As described above, a credit card company can provide a credit card issuing service at a low cost and with high security.

<<4. Modification>>
The embodiments of the present invention have been described above. Next, modified examples of the embodiment of the present invention will be described. In addition, each modification described below may be applied to the embodiment of the present invention independently, or may be applied to the embodiment of the present invention in combination. Further, each modification may be applied instead of the configuration described in the embodiment of the invention, or may be additionally applied to the configuration described in the embodiment of the invention.

In the above-described embodiment, an example in which the storage unit 62 stores the matching result by the application matching unit 633 as the matching result in the matching process in the membership application process has been described, but the present invention is not limited to such an example. For example, in the matching process in the membership application process, the storage unit 62 stores the result of the first facial image 72 and the second facial image 80 being visually checked by the person in charge of the card company as the receipt number and the person. The confirmation document image 70 and the second facial image 80 may be stored in association with each other. In other words, the storage unit 62 stores the result of matching between the first facial image 72 and the second facial image 80 as the reception number and the personal identification, regardless of whether the application matching unit 633 or the person in charge performed the matching process. The document image 70 and the second facial image 80 are stored in association with each other. Note that the storage unit 62 may store both the matching result by the application matching unit 633 and the matching result by the person in charge in association with the reception number, the identity verification document image 70, and the second facial image 80. .

In the above-described embodiment, an example in which matching is performed using the second facial image 80 and the third facial image 90 in the matching process in the activation procedure step has been described, but the present invention is not limited to such an example. For example, in the verification process in the activation procedure step, verification may be performed using the recipient's identification information as well.
Specifically, when the activation procedure is performed, the recipient is required to enter the recipient's personal identification information to the website for the activation procedure. The activation information acquisition unit 635 further acquires the identity verification information of the recipient input during the activation procedure. The stored information acquisition unit 636 further acquires the personal identification document image 70 from the storage unit 62 when acquiring the second facial image 80 . The activation verification unit 637 further collates the acquired identity verification information with the identity verification information described in the identity verification document 73 indicated by the acquired identity verification document image 70, and confirms that the applicant and the recipient are the same. Determine whether or not
By combining matching using the personal identification information and matching using the second facial image 80 and the third facial image 90 in this way, the accuracy of the recipient's personal identification can be improved, and the security can be improved. be able to.

Also, in the verification process in the activation procedure step, verification may be performed not only for verifying the identity of the recipient, but also for detecting anomalies in the activation procedure. An abnormality in the activation procedure is, for example, that an illegal activation procedure is being performed. Collation for detecting anomalies in the activation procedure is performed using, for example, location information.
Specifically, the activation information acquisition unit 635 further acquires position information indicating the position where the third facial image 90 was captured. The position information is acquired by a GPS (Global Positioning System) or the like when the third facial image 90 is captured, for example. The stored information acquisition unit 636 further acquires the personal identification document image 70 from the storage unit 62 when acquiring the second facial image 80 .

The activation verification unit 637 checks the illegal activation procedure based on the result of comparison between the location information described in the identity verification document 73 indicated by the acquired identity verification document image 70 and the location information acquired by the activation information acquisition unit 635. (abnormality) is detected. The location information described in the personal identification document 73 is, for example, a word including a country name, a prefecture name, an address, and a place name (for example, the word "Tokyo Metropolitan Public Safety Commission" written on a driver's license).
If both the location information written on the personal identification document 73 and the location information acquired by the activation information acquisition unit 635 are within a predetermined range, the activation verification unit 637 detects that the activation procedure has been performed normally. (ie, consider the applicant and recipient to be the same). On the other hand, if either one of the location information described in the personal identification document 73 and the location information acquired by the activation information acquisition unit 635 is not within the predetermined range, the activation verification unit 637 determines that the activation procedure has been performed illegally. (i.e. consider applicant and recipient not the same).
It should be noted that the activation collating unit 637 may detect an illegal activation procedure depending on whether or not each piece of position information matches.

In addition, the activation verification unit 637 moves from the position indicated by the position information (for example, the address) described in the personal identification document 73 indicated by the obtained personal identification document image 70 to the position indicated by the position information acquired by the activate information acquisition unit 635. Fraudulent activation procedures may be detected based on the distance to the location. For example, the activation verification unit 637 detects that the activation procedure is normally performed when the distance is within a predetermined range (that is, it considers that the applicant and the recipient are the same). On the other hand, if the distance is not within the predetermined range, the activation verification unit 637 detects that the activation procedure has been performed illegally (that is, the applicant and recipient are not the same). The predetermined range is, for example, when the position where the third facial image 90 is captured is in a prefecture different from the address stated in the personal identification document 73, or when the activation procedure is illegal. set to be detected as being done.
In this way, by combining verification for verifying the identity of the recipient and verification for detecting anomalies using location information in the activation procedure, security can be improved. In addition, collation using the personal identification information described above may be further combined.

Also, verification for detecting anomalies in the activation procedure may be performed using time stamps.
Specifically, the activation information acquiring unit 635 stores a first timestamp indicating the date and time when the third facial image 90 was acquired, and a second timestamp indicating the date and time when the third facial image 90 was captured by the recipient terminal 20 . Get more timestamps of . The activation verification unit 637 detects an unauthorized activation procedure (abnormality) based on the difference between the date and time indicated by the first time stamp and the date and time indicated by the second time stamp. For example, the activation verification unit 637 detects that the activation procedure has been performed normally when the difference is within a predetermined range (that is, the applicant and the recipient are regarded as being the same). On the other hand, the activation verification unit 637 detects that the activation procedure has been performed illegally if the difference is not within the predetermined range (that is, the applicant and recipient are not the same). The predetermined range is set, for example, so that it is detected that the activation procedure is being performed fraudulently when the third facial image 90 is not an image taken during the activation procedure.
Security can be improved by combining verification for verifying the identity of the recipient and verification for detecting anomalies using time stamps in the activation procedure. It should be noted that the collation using the personal identification information and the collation using the position information may be further combined.

In the above-described embodiment, the example in which the person in charge of the card company visually confirms whether or not the person indicated by the first facial image 72 and the person indicated by the second facial image 80 are the same has been described. , but not limited to such examples. For example, the person in charge may determine whether or not each person is the same based on the degree of similarity between the person indicated by the first facial image 72 and the person indicated by the second facial image 80 . The degree of similarity is calculated by the application matching unit 633 when the application matching unit 633 matches the first facial image 72 and the second facial image 80, for example.
The person in charge can make a judgment by visual inspection while also referring to the similarity, so that the judgment can be easily made and the accuracy of the judgment can be improved.

In the above-described embodiment, an example in which the card management system 40 is composed of two server devices, the application reception server 50 and the verification server 60, is described, but the present invention is not limited to such an example. For example, card management system 40 may be realized by one server device having all the functions of application reception server 50 and verification server 60 .

The embodiments of the present invention have been described above. It should be noted that a part or all of the configuration of each of the applicant terminal 10, the recipient terminal 20, the card company terminal 30, the application reception server 50, and the verification server 60 in the above-described embodiments may be implemented by a computer. good. Further, when the functions provided by the application reception server 50 and the verification server 60 are realized by one server device, part or all of the configuration provided by the server device (that is, the card management system 40) may be realized by a computer. can be In that case, a program for realizing this function may be recorded in a computer-readable recording medium, and the program recorded in this recording medium may be read into a computer system and executed. It should be noted that the "computer system" referred to here includes hardware such as an OS and peripheral devices. The term "computer-readable recording medium" refers to portable media such as flexible discs, magneto-optical discs, ROMs and CD-ROMs, and storage devices such as hard discs incorporated in computer systems. Furthermore, "computer-readable recording medium" means a medium that dynamically retains a program for a short period of time, like a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line. It may also include something that holds the program for a certain period of time, such as a volatile memory inside a computer system that serves as a server or client in that case. Further, the program may be for realizing a part of the functions described above, or may be capable of realizing the functions described above in combination with a program already recorded in the computer system. It may be implemented using a programmable logic device such as an FPGA (Field Programmable Gate Array).

Although the embodiments of the present invention have been described in detail with reference to the drawings, the specific configurations are not limited to those described above, and various design changes can be made without departing from the gist of the present invention. It is possible to

1... Card issuing system 10... Applicant terminal 11, 21, 31, 51, 61... Communication unit 12, 22, 32... Input unit 13, 23... Imaging unit 14, 24, 33, 52, 62 ... storage unit 15, 25, 34, 53, 63 ... control unit 16, 26, 35 ... display unit 20 ... recipient terminal 30 ... card company terminal 40 ... card management system 50 ... application reception server, 60... Verification server, 70... Identity verification document image, 72... First facial image, 80... Second facial image, 90... Third facial image, 341... Receipt information acquisition unit, 342... Application verification information acquisition unit , 343... procedure processing unit, 344... activation verification result acquisition unit, 345... activation processing unit, 531, 631... site display unit, 532... input information acquisition unit, 533... reception processing unit, 534... data linkage unit, 632... Application information acquisition unit 633 Application verification unit 634 Application processing unit 635 Activation information acquisition unit 636 Storage information acquisition unit 637 Activation verification unit NW Network

In order to solve the above-described problems, a card management system according to an aspect of the present invention provides a card management system that uniquely identifies a card issuance application for a service sent to an applicant while the card is not activated . 1 identification information, and an identity verification document image obtained by photographing an identity verification document attached with a first facial image showing the appearance of the applicant at the time of the card issuance application, and the applicant at the time of the card issuance application a storage unit for storing in association with a second facial image obtained by photographing the facial features of the card holder; and the person indicated by the second facial image are the same, the card is issued in an unactivated state and sent to the applicant, and the card sent is When the activation procedure for activating the card is performed by the recipient, a third facial image obtained by photographing the facial features of the recipient during the activation procedure, and the input second facial image. an activation information acquisition unit that acquires identification information; and storage information that acquires from the storage unit the second facial image associated with the first identification information that is the same as the acquired second identification information. an acquisition unit, an activation verification unit that compares the acquired second facial image and the acquired third facial image and determines whether the applicant and the recipient are the same, and the activation procedure and if it is determined that the applicant and the recipient are the same by matching the second facial image and the third facial image, the card received by the recipient is activated. and an activation processing unit .

In a card management method according to an aspect of the present invention, the storage unit stores first identification information that uniquely identifies a card issuance application for a service that is issued in an inactivated state and sent to an applicant. , a personal identification document image obtained by photographing an identification document attached with a first facial image showing the appearance of the applicant at the time of applying for card issuance, and a photograph of the appearance of the applicant at the time of applying for issuance of said card a storage step of storing the second facial image in association with the second facial image; When it is determined that the person indicated by the image and the person indicated by the second facial image are the same, the card is issued in a non-activated state and sent to the applicant, and the card is sent. when the activation procedure for activating the card is performed by the recipient, a third facial image obtained by photographing the facial appearance of the recipient at the time of the activation procedure, and the input second and an activation information acquisition step of acquiring the identification information of the second facial image associated with the first identification information identical to the acquired second identification information. A stored information acquisition process acquired from a storage unit and an activated collation unit collate the acquired second facial image and the third facial image to determine whether the applicant and the recipient are the same. and an activation processing unit determines that the applicant and the recipient are the same by matching the second facial image and the third facial image in the activation procedure. and, if applicable, an activation process for placing the card received by the recipient in an activated state .

A program according to an aspect of the present invention provides a computer with first identification information that uniquely identifies a card issuance application for a service that is issued in a state in which the card is not activated and is sent to an applicant ; An identity verification document image obtained by photographing an identity verification document attached with a first appearance image showing the appearance of the applicant at the time of applying for issuance, and a second image of the applicant's appearance taken at the time of applying for issuance of the card a storage unit for storing in a storage unit the person shown in the first facial image by matching the first facial image and the second facial image in the card issuance application, and the person indicated by the first facial image and the If it is determined that the person indicated by the second facial image is the same as the person indicated by the second facial image, the card is issued in an unactivated state and sent to the applicant, and the recipient of the card sent When an activation procedure is performed to activate the recipient, a third facial image obtained by photographing the facial features of the recipient and the input second identification information are acquired during the activation procedure. activation information acquisition means for acquiring from the storage unit the second facial image associated with the first identification information identical to the acquired second identification information; activating collating means for collating the acquired second facial image and the third facial image and determining whether the applicant and the recipient are the same ; activation processing means for activating the card received by the recipient when it is determined that the applicant and the recipient are the same by matching the facial image with the third facial image; function as

Claims (11)

First identification information that uniquely identifies an application for card issuance to a card issuance service, and personal identification documents attached with a first facial image showing the appearance of the applicant at the time of said card issuance application are photographed. a storage unit that associates and stores an image of the identity verification document obtained by the applicant with a second appearance image obtained by photographing the appearance of the applicant at the time of applying for the issuance of the card;
when the recipient of the card issued in an unactivated state performs a procedure for activating the card, a third facial image obtained by photographing the facial features of the recipient during the activation procedure; an activation information acquisition unit that acquires the second identification information;
a stored information acquisition unit that acquires from the storage unit the second facial image associated with the first identification information that is the same as the acquired second identification information;
an activated matching unit that compares the obtained second facial image and the third facial image and determines whether the applicant and the recipient are the same;
A card management system comprising: a communication unit that transmits the result of determination by the activation verification unit to the terminal that executes the activation when the applicant and the recipient are the same;
The card management system of claim 1, further comprising: The activation information acquisition unit further acquires the identity verification information of the recipient input during the activation procedure,
The stored information acquisition unit further acquires the identity verification document image from the storage unit when acquiring the second facial image,
The activation verification unit further collates the acquired identity verification information with the identity verification information described in the identity verification document indicated by the acquired identity verification document image, and determines that the applicant and the recipient are the same. determining whether or not
The card management system according to claim 1 or 2. The activation information acquisition unit further acquires position information indicating a position where the third facial image was captured,
The stored information acquisition unit further acquires the identity verification document image from the storage unit when acquiring the second facial image,
The activation collation unit determines whether there is an abnormality in the activation procedure based on the result of comparison between the location information described in the identity verification document indicated by the acquired identity verification document image and the location information acquired by the activation information acquisition unit. to detect
The card management system according to any one of claims 1 to 3. Based on the distance from the position indicated by the position information described in the identity verification document indicated by the acquired identity verification document image to the position indicated by the position information acquired by the activate information acquisition section, detecting anomalies in the activation procedure;
The card management system according to claim 4. The activation information acquisition unit further acquires a first timestamp indicating the date and time when the third facial image was acquired, and a second timestamp indicating the date and time when the third facial image was captured,
The activation verification unit detects an abnormality in the activation procedure based on a difference between the date and time indicated by the first timestamp and the date and time indicated by the second timestamp.
The card management system according to any one of claims 1 to 5. an application information obtaining unit that obtains the first identification information, the identity verification document image, and the second facial image when the applicant completes the card issuance application procedure;
further comprising
The storage unit stores the result of matching between the first facial image and the second facial image attached to the personal identification document indicated by the acquired personal identification document image as the first identification information and the personal identification information. storing the confirmation document image and the second facial image in association with each other;
The card management system according to any one of claims 1 to 6. Application matching for matching the first facial image and the second facial image, and determining whether or not the person indicated by the first facial image and the person indicated by the second facial image are the same. part,
further comprising
The storage unit stores the matching result by the application matching unit in association with the first identification information, the identity verification document image, and the second facial image,
The card management system according to claim 7. an application processing unit capable of completing the card issuance application procedure when the person indicated by the first facial image and the person indicated by the second facial image are the same;
The card management system according to any one of claims 1 to 8, further comprising: The storage unit stores first identification information that uniquely identifies a card issuance application for a card issuance service, and the person accompanied by a first facial image showing the appearance of the applicant at the time of the card issuance application. a storage step of associating and storing an identity verification document image obtained by photographing a confirmation document with a second appearance image obtained by photographing the appearance of the applicant when applying for card issuance;
An activation information acquisition unit, when a recipient of a card issued in an unactivated state performs an activation procedure for the card, a third facial image of the recipient at the time of the activation procedure. an activation information acquisition process for acquiring the image and the input second identification information;
a stored information acquisition step in which a stored information acquisition unit acquires from the storage unit the second facial image associated with the same first identification information as the acquired second identification information;
an activate verification step in which an activated verification unit verifies the obtained second facial image and the third facial image, and determines whether or not the applicant and the recipient are the same;
Card management methods including; the computer,
First identification information that uniquely identifies an application for card issuance to a card issuance service, and personal identification documents attached with a first facial image showing the appearance of the applicant at the time of said card issuance application are photographed. a storage means for storing in a storage unit an image of the identity verification document that has been obtained in association with a second facial image obtained by photographing the applicant's facial appearance at the time of applying for the issuance of the card;
when the recipient of the card issued in an unactivated state performs a procedure for activating the card, a third facial image obtained by photographing the facial features of the recipient during the activation procedure; activation information acquisition means for acquiring the second identification information;
a stored information acquiring means for acquiring from the storage unit the second facial image associated with the first identification information identical to the acquired second identification information;
an activated collation means for collating the acquired second facial image and the third facial image and determining whether or not the applicant and the recipient are the same;
A program to function as

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