JP4244630B2 - Seal verification system and control program thereof - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic collation system that is used in, for example, a financial institution and collates an imprint of a bill or an account transfer slip with a pre-registered imprint.
[0002]
[Prior art]
Today, an automatic verification system is used in which a seal stamp used by a customer is registered in advance, and this registration stamp is compared with a seal stamped on a form such as a bill or an account transfer slip. The purpose of this automatic verification system is to improve the efficiency of large-scale stamp verification operations such as bills, checks, and direct debit requests that are handled in the central office.
[0003]
In financial institutions that have introduced a seal verification system, the form image data (bills, checks, account transfer request forms, etc.) obtained by the business system using the seal verification system and the customer registration stamp registered in advance in the seal verification system The image processing is used for matching with the seal impression. In the centralized department, the verification result is checked by an operator of the office-intensive department, and the seal verification operation is performed (for example, see Patent Document 1).
[0004]
[Patent Document 1]
Japanese Patent Laid-Open No. 2002-49918
[Problems to be solved by the invention]
In the conventional automatic collation system described above, the judgment of coincidence / non-coincidence of the seal collation results is finally a visual judgment of each operator in the office concentration department. Since high accuracy is required in the seal collation business, the psychological burden of such seal collation business for the operator is very large.
[0006]
In addition, even if the operator pays close attention, such a seal verification process is only performed manually, so there is no denying the possibility that a similar mark will be determined as the same mark. It was.
[0007]
[Means for Solving the Problems]
The present invention employs the following configuration in order to solve the problem that the possibility of a collation error cannot be denied as a result of manual collation processing.
[0008]
<Configuration 1>
The seal collation system of the present invention is a display means for displaying the image data of the imprint of the collation stamp and the image data of the seal of the registered seal registered in advance for the operator to visually collate, and the operator either matches or does not match a seal verification system having an input receiving unit that receives the result of the input visual verification indicating a collates the image data and the registered image data, an automatic verification process of calculating a matching ratio between the registration marks and the tick Output the image data and the registered image data to the display means in order to perform visual matching without notifying the operator of the calculated matching rate and the operator, and the input receiving means receives the result of the visual matching indicating the match. comparing the specified value set rate in advance, when the coincidence ratio is less than the predetermined value, the image data and the registration image data in order to again perform visual verification to the operator It characterized by Ru and a verification control unit for outputting to the display means.
[0009]
<Configuration 2>
In the seal collation system according to Configuration 1, when the input accepting unit accepts the result of visual collation indicating coincidence, the collation control unit compares the coincidence rate with a specified value, and the coincidence rate is equal to or greater than the specified value. the, it and outputting to the display means the notification data for notifying the registration mark and the tick is the sign operator.
[0010]
<Configuration 3>
The control program for the computer constituting the seal collation system of the present invention includes a display means for displaying the image data of the stamped seal image and the image data of the registered seal stamp registered in advance for the operator to visually collate. a computer control program for configuring the seal verification system having an input receiving unit that receives the result of the input visual verification indicating any match and mismatch from the operator, is matched with the image data and the registered image data, and automatic collation step of calculating a matching ratio between the registration marks and the tick, to output a matching rate is calculated on the display unit the image data and the registration image data in order to carry out a visual verification without notifying the operator, When receiving the result of visual verification input receiving means indicates a match, it is compared with the set and match rate prescribed value, the matching rate If less than the predetermined value, characterized by comprising a verification control step for causing output to the display unit the image data and the registration image data in order to carry out a visual verification again operator.
<Configuration 4>
A control program for a computer constituting the seal collation system according to Configuration 3, wherein when the input reception unit receives a result of visual verification indicating a match, the verification control step compares the match rate with a specified value, When the coincidence rate is equal to or higher than a specified value, the display means outputs notification data for notifying the operator that the collation mark and the registration mark are the same mark.
[0011]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail using specific examples.
"Concrete example"
<Constitution>
FIG. 1 is a block diagram showing a system for a financial institution to which a seal collation system according to a specific example of the present invention is applied.
The illustrated system includes a seal verification system 100, a business system 200, a seal reference system 300, and a network 400. The seal collation system 100 is a system that acquires a registered seal image of a customer registered in the seal stamp inquiry system 300 based on a collation request for a collated seal from the business system 200 and performs the seal collation process.
[0012]
The seal collation system 100 includes a collation server 110 and an operator terminal (client) 120. The collation server 110 is a server computer that performs collation processing, and includes a control unit 130 and a collation database (collation DB) 140. The control unit 130 is a functional unit that controls the verification server 110 and includes an automatic verification processing unit 131 and a verification control unit 132. The automatic collation processing unit 131 is a collation processing unit that collates the collated mark and the registration mark and calculates the matching rate.
[0013]
The verification control unit 132 stores the verification request data (registered seal search key information, form image) from the business system 200 in the verification database 140, verification request data, and verification of the registered seal image from the seal reference system 300. The automatic collation processing unit 131 is instructed to perform processing, the matching rate that is a collation result is stored in the collation database 140, and the operator terminal 120 displays the collation mark and the registration mark for visual confirmation. When the collation result from the operator terminal 120 is positive, the matching rate stored in the collation database 140 is compared with a predetermined specified value. If the matching rate does not satisfy the specified value, The message is displayed on the operator terminal 120, and the subsequent matching result from the operator terminal 120 is the final matching result. And a function of outputting Te.
[0014]
The operator terminal 120 is a computer having a plurality of units as the seal collation system 100 and a function of allowing the operator to visually collate the collated mark and responding the collation result to the collation control unit 132.
[0015]
The business system 200 is a system that centrally performs various business operations at financial institutions, and is a system that processes various forms that require seal verification such as bills, checks, account transfer request forms, etc. A bill system and a direct debit request form system are applicable. The business system 200 includes a business server 210 and an operator terminal 220. These business servers 210 and the operator terminal 220 perform various business operations, but these business operations are not directly related to the present invention. Description of is omitted.
[0016]
The seal stamp inquiry system 300 is a system for managing seal stamp data (report seal image data) of a registered seal registered in advance by a customer using a financial institution, and includes a seal stamp server 310. The seal stamp server 310 is a server computer that stores registered seal data and manages these registered seals. Since the configuration other than the server computer in the seal stamp inquiry system 300 is not directly related to the present invention, its illustration is omitted.
[0017]
The network 400 is a network such as a LAN (local area network) that connects the seal stamp verification system 100 to the seal stamp query system 300 to each other.
[0018]
The automatic verification processing unit 131 and the verification control unit 132 in the verification server 110 described above include programs corresponding to the respective functions, memories such as a CPU, a RAM, and a ROM for executing these programs, and a hard disk device. It is realized by hardware.
[0019]
<Operation>
FIG. 2 is a flowchart showing the operation of the seal collation system 100.
First, verification request data for performing seal verification from the business system 200 is sent to the seal verification system 100 (see arrow (1) in FIG. 1). Here, the data sent to the seal collation system 100 includes key information (store number, subject, account number) for searching for a registered seal from the seal stamp inquiry system 300 and its form image data.
[0020]
When the seal collation system 100 receives the collation request data (step S1), the collation control unit 132 of the control unit 130 stores the collation request data in the collation database 140 and the registered stamp image data from the seal stamp inquiry system 300. Obtain (step S2, arrow (2) in FIG. 1). In this acquisition process, the customer's account is specified based on the key information transmitted from the business system 200, and the registration stamp image data of the corresponding account is acquired from the seal server 310.
[0021]
Next, the collation control unit 132 requests the automatic collation processing unit 131 to perform an automatic collation process between the registered stamp image and the collation target image requested from the business system 200. As a result, the automatic collation processing unit 131 performs automatic collation processing between the collated mark and the registration mark (step S3).
[0022]
FIG. 3 is an explanatory diagram of the automatic matching process.
The automatic collation processing unit 131 first removes the background and ruled lines from the registered seal image (image including a portion other than the seal such as “delivery seal”) of the seal stamp inquiry system 300 shown in (1) (in the drawing). , (2)). As the background removal and ruled line removal processing, for example, a background removal method using a fractal dimension described in JP-A-7-141467 or a black run described in JP-A-8-123902 is used. Based on the method of removing the underline based on this, further, as described in Japanese Patent Laid-Open No. 2001-76096, etc., the pixel group is divided into predetermined brightness regions for the image to be analyzed, and these A method of detecting a background by comparing regions can be used.
[0023]
Further, the automatic collation processing unit 131 cuts out a seal imprint part from the form image stored in the collation database 140 (indicated by (3) in the figure). Next, the image data of only the imprint region is extracted (indicated by (4) in the figure) in the same manner as (2) background removal and ruled line removal described above. Further, alignment (rotation / movement) of the image of the check mark is performed (indicated by (5) in the figure).
[0024]
Then, the coincidence rate between the registration mark and the check mark is calculated (indicated by (6) in the figure). The coincidence rate is calculated in consideration of the shape coincidence, blurring of imprints, partial loss, and the characteristics of forged seals. Further, as the coincidence rate, for example, 100% is represented for complete coincidence, and 0% is represented for complete disagreement.
[0025]
When the matching rate is sent from the automatic matching processing unit 131, the matching control unit 132 stores the matching rate in the matching database 140 in association with the matching request data of each customer.
[0026]
Further, when the registration control unit 132 obtains the registration mark data in step S2, the image data of the registration mark and the image data of the checked mark are displayed on the operator terminal 120 for visual confirmation by the operator (step S4, Arrow (3) in FIG.
FIG. 4 is an explanatory diagram of an operator confirmation screen in the case of a bill / check.
FIG. 5 is an explanatory diagram of an operator confirmation screen in the case of an account transfer request form.
As shown in these figures, an overall image of a form, a check mark (an imprint imprinted on the form), a registration mark (notification mark), and a check result are displayed. Here, the collation mark and the registration mark are images from which background and ruled lines have been removed. In addition, as a collation result, it is possible to alternately display a collation mark and a registration mark or to switch and display a superimposed image. The example of FIG. 4 is an example of a promissory note.
[0027]
Further, here, the matching rate is not displayed by the automatic matching processing unit 131. This is for avoiding the determination based on the preconception of the operator by displaying the matching rate.
[0028]
As a result of the visual confirmation by the operator, when it is notified that the mark is the same (step S5), the collation control unit 132 reads the coincidence rate stored in the collation database 140, and the coincidence rate is equal to or higher than a predetermined value. Is determined (step S6). As a result, when the matching rate does not satisfy the specified value, a warning message is displayed on the operator terminal 120 (step S7). Or in the automatic collation process of step S3, it may be determined whether the coincidence rate is equal to or higher than a specified value, and the determination process of step S6 may be performed based on the determination result.
[0029]
FIG. 6 is an explanatory diagram of a caution message.
As shown in the figure, an attention message window is displayed on the main window.
When such a warning message is displayed, the operator performs the same collation processing as in steps S4 and S5 again (step S8). As a result, when the determination result is output from the operator terminal 120 as a different mark (step S8), the collation control unit 132 determines that the final determination result for the collated mark is “different mark”. The determination result is notified to the business system 200 (step S9, arrow (4) in FIG. 1). On the other hand, as a result of the reconfirmation in step S8, when the operator determines that the mark is the same, and the operator terminal 120 notifies the collation match again, the collation control unit 132 sets the final determination result to “same mark”. The determination result is notified to the business system 200 (step S10).
[0030]
If the match rate is equal to or greater than the specified value in step S6, the process proceeds to step S10, and the collation control unit 132 notifies the business system 200 of the determination result that the mark is the same. If it is determined in step S5 that the operator has a different mark, the collation control unit 132 notifies the business system 200 of a determination result that the operator has a different mark (step S9).
[0031]
<effect>
As described above, according to the specific example, the automatic verification process is performed separately from the visual confirmation process of the seal verification by the operator to calculate the matching rate between the checked mark and the registered mark, and the determination result of the visual verification process by the operator If the match rate is “matching match”, it is checked whether the matching rate by the automatic matching process is equal to or higher than a predetermined value. If the matching rate does not meet the specified value, a warning message to the operator is displayed. As a result, it is possible to reduce the burden on the operator in the seal collation operation and to achieve high accuracy.
[0032]
Further, in the above specific example, the warning message is displayed after the operator's judgment is made, and the coincidence rate of the automatic matching process is not displayed at the time of the matching by visual observation. Can be avoided, and a highly safe system can be realized.
[0033]
<< Usage form >>
In the above specific example, the caution message is displayed on the display screen. However, the present invention is not limited to this. For example, a voice display may be used as long as the operator can recognize it.
Further, in the above specific example, the automatic matching process is performed prior to the visual confirmation process by the operator, but may be performed at any timing, such as a parallel process. Furthermore, only when the result of visual confirmation by the operator is “matching match”, the matching rate calculation and the specified value comparison in the automatic matching process between the checked mark and the registered mark may be performed.
[0034]
In the above specific example, the specified value for comparison with the coincidence rate of the automatic matching process can be variously selected depending on the operating conditions and the like. For example, by making the specified value a high value, the seal verification process is performed under more severe conditions.
[0035]
In the above specific example, an example of a seal collation system for a financial institution has been described. However, any system can be applied as long as it is a system that stamps a seal on a form or the like and performs seal collation.
[0036]
【The invention's effect】
As described above, according to the present invention, when the operator's visual confirmation result in the seal collation is a collation match, the coincidence rate of the automatic collation between the collated mark and the registered mark is compared with a predetermined specified value. When the matching rate does not satisfy the specified value, a warning message to the operator is output, so that high accuracy as a seal verification system can be realized and the psychological burden on the operator can be reduced. Can do. In addition, in the case where it is determined that the collation mark is the same mark, a double check is performed based on the visual collation by the operator and the automatic collation result, so that a different mark such as a forged mark is erroneously determined as the same mark. This can be prevented more reliably.
[Brief description of the drawings]
FIG. 1 is a configuration diagram showing a system for a financial institution to which a seal collation system according to a specific example of the present invention is applied.
FIG. 2 is a flowchart showing an operation of the seal collation system.
FIG. 3 is an explanatory diagram of automatic matching processing;
FIG. 4 is an explanatory diagram of an operator confirmation screen in the case of a bill / check.
FIG. 5 is an explanatory diagram of an operator confirmation screen in the case of an account transfer request document.
FIG. 6 is an explanatory diagram of a caution message.
[Explanation of symbols]
100 seal verification system 120 operator terminal 131 automatic verification processing unit 132 verification control unit

Claims (4)

Display means for displaying the imprint image data of the stamp to be collated and the image data of the imprint of the registered mark registered in advance for the operator to visually collate, and input of the result of the visual collation indicating either coincidence or mismatch from the operator A seal collation system having an input receiving means for receiving
Collating the said image data and the registration image data, and automatic collation processing section for calculating a matching ratio between the registration marks and the tick,
When the image data and the registered image data are output to the display means in order to perform visual verification without notifying the operator of the calculated coincidence rate, and the input receiving means receives a result of visual verification indicating a match. the matching rate is compared with a preset prescribed value, wherein when matching rate is lower than the prescribed value, the display of the image data and the registration image data in order to again perform visual verification to the operator seal verification system, characterized in that Ru and a verification control unit that outputs to the means. The seal verification system according to claim 1 ,
When the input accepting unit accepts a result of visual collation indicating coincidence, the collation control unit compares the coincidence rate with the specified value, and if the coincidence rate is equal to or greater than the specified value, the collation target A seal collation system , wherein notification data for notifying an operator that a mark and the registration mark are the same is output to the display means . Display means for displaying the imprint image data of the stamp to be collated and the image data of the imprint of the registered mark registered in advance for the operator to visually collate, and input of the result of the visual collation indicating either coincidence or mismatch from the operator A program for controlling a computer constituting a seal collation system having an input receiving means for receiving ,
Is matched with the image data and the registration image data, and automatic collation step of calculating a matching ratio between the registration marks and the tick,
The image data and the registered image data are output to the display means so as to perform visual verification without notifying an operator of the calculated coincidence rate, and the input reception unit receives a result of visual verification indicating a match. If, by comparing the specified value set in advance with the matching rate, if the matching rate is lower than the prescribed value, the image data and the registration image data in order to carry out a visual verification again operator the A control program for a computer constituting the seal collation system , comprising: a collation control step to be output to the display means . A program for controlling a computer constituting the seal collation system according to claim 3,
When the input accepting unit accepts a result of visual collation indicating coincidence, the collation control step compares the coincidence rate with the specified value, and when the coincidence rate is equal to or greater than the specified value, A computer control program constituting a seal collation system, characterized in that notification data for notifying an operator that a mark and the registration mark are the same mark is output to the display means.

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