JP4506202B2 - Certificate authenticity determination method in automatic contract system - Google Patents

Description

  The present invention relates to a certificate authenticity determination method in an automatic contract system.

  Conventionally, financial institutions such as banks, credit unions, consumer finance companies, credit sales companies, unsecured loan terminals installed in stores, parking lots, side streets, etc. of convenience stores, supermarkets, etc. The unmanned contract terminal is operated by the customer himself and makes a contract such as unsecured loan and cashing (see, for example, Patent Document 1).

  In this case, the unmanned contract terminal disposed in the financial institution, the store, or the like is communicably connected via a network with a business management server, center terminal, or the like disposed in a remote center in the unattended contract system. The business management server monitors whether or not the operation of each unmanned contract terminal is normal and controls the operation of the entire unmanned contract system. The operator at the remote center corresponds to a customer who operates the center terminal to operate the unmanned contract terminal.

  Then, the customer operates the unmanned contract terminal to execute a procedure necessary for making a contract such as an unsecured loan.

First, when the customer starts operation of the unmanned contract terminal, the contents of the unsecured loan and the guidance regarding the contract procedure are displayed on the display means of the unattended contract terminal. Note that guidance by voice from voice output means such as a speaker may be performed. Subsequently, the customer operates the input means of the unmanned contract terminal to apply for a contract, and then executes the identity verification procedure. When the identity verification is completed, the customer's credit information is examined at the remote center. And if the examination is passed, the customer makes a contract by reading an unattended contract terminal reading a contract describing necessary items. In identity verification, the customer is required to present a certificate such as a driver's license or health insurance card. When the customer causes the unattended contract terminal to read the certificate, the operator in the remote center confirms the content of the certificate displayed on the center terminal and the person himself / herself.
JP-A-10-254949

  However, in the conventional automatic contract system, an image of a certificate is acquired by an imaging device, a scanner or the like provided in an unattended contract terminal, and the image is displayed on a center terminal so that an operator can visually recognize it. Therefore, the operator cannot fully recognize the minute change of the certificate and cannot accurately determine the authenticity of the certificate. It has become difficult to deal with. If a contract such as unsecured loan or cashing is made based on a forged certificate, the financial institution suffers a large loss.

  For example, there are several methods for forging a car driver's license. Among them, the most common method is to change the name by adding or deleting characters from the name listed in the name column. A car driver's license forged by this method can be traced by adding or deleting characters when directly viewed with the naked eye, but visually confirms the image acquired by an imaging device, scanner, etc. It is very difficult to grasp the trace by doing so.

  The present invention solves the problems of the conventional automatic contract system, and determines the addition or deletion of characters based on the positional relationship of characters described in a certificate for performing identity verification, It is possible to accurately determine the authenticity of a certificate, improve the security of discrimination against a forged certificate, discriminate between a genuine certificate and an illegal certificate with high accuracy, and create a forged certificate. It is an object of the present invention to provide a certificate authenticity discrimination method in an automatic contract system that can surely eliminate the use of a certificate.

Therefore, in the certificate authenticity determination method in the automatic contract system of the present invention, in the automatic contract system having the automatic contract terminal operated by the customer and the center terminal operated by the operator, in the contract procedure with the customer, An image of the certificate read by the automatic contract terminal is transmitted to the center terminal, and the center terminal obtains a first name and a last name based on an interval between characters representing a name in a name field described in the certificate. If there are multiple characters in the last name, the number of characters specified in advance according to the number of characters in the last name is determined based on the distance between the characters specified in advance according to the number of characters in the last name. based between the adjacent interval, to determine the authenticity of the certificate.

  In the certificate authenticity determination method in another automatic contract system of the present invention, the authenticity of the certificate is further determined by determining the addition or deletion of the character.

In a further certificate authenticity discrimination method in other automated contract system of the present invention, further, it determines the first and last name character spacing between the definitive before Symbol, name field the largest portion as a reference.

In a certificate authenticity determination method in still another automatic contract system of the present invention, in an automatic contract system having an automatic contract terminal operated by a customer and a center terminal operated by an operator, at the time of a contract procedure with the customer, An image of the certificate read by the automatic contract terminal is transmitted to the center terminal, and the center terminal uses the last name as a reference in the name field described in the certificate. and to determine the name, when the last name in the name field is a character, to determine the authenticity of the certificate based on distance between the borders of the characters and name field surname, last name in the name field are two or more characters , The authenticity of the certificate is determined based on the interval between the first character of the last name and the ruled line of the name field and the interval between the last character and the first character.

The automatic contract system of the present invention has an automatic contract terminal operated by a customer and a center terminal operated by an operator, and an image of the certificate read by the automatic contract terminal during the contract procedure with the customer The center terminal receives the image of the certificate , determines the first name and the last name based on the interval between the characters representing the name in the name field described in the certificate , If the number of characters of the plurality of, based on the spacing of the characters between which is defined in advance in accordance with the number of characters last name, between the characters between which is defined in advance in accordance with the number of characters in name if the number of characters in the name is plural septa based on, to determine the authenticity of the certificate.

The center terminal of the present invention is a center terminal operated by an operator connected to an automatic contract terminal operated by a customer, and an image of a certificate read by the automatic contract terminal during a contract procedure with the customer. The receiving part and the last name and the first name are determined based on the distance between the characters representing the name in the name field described in the certificate, and according to the number of letters of the last name when the last name has multiple characters based on the predefined character spacing between true characters of the name is in the case of a plurality based on the intervals of the character with each other, which is defined in advance in accordance with the number of characters in the name, to determine the authenticity of the certificate A false discrimination unit.

Another center terminal of the present invention is a center terminal operated by an operator connected to an automatic contract terminal operated by a customer, and an image of a certificate read by the automatic contract terminal during a contract procedure with the customer A center terminal that determines whether the certificate is authentic, an image storage unit that stores an image of a name field of the certificate, a character determination unit that determines a character part in the name field, and a determination A character position determination unit for determining the position of the character part determined, a positional relationship determination unit for determining the positional relationship of each character, a character position storage unit for storing the determined character position, and a positional relationship between the characters A character relationship table that defines the relationship with the authenticity determination condition is provided, and the first name and last name are determined based on the interval between the characters representing the name in the name field. Depending on the number of characters Based on the predefined character spacing between true characters of the name is in the case of a plurality based on the intervals of the character with each other, which is defined in advance in accordance with the number of characters in the name, to determine the authenticity of the certificate It has a false discrimination part.

  According to the present invention, the addition or deletion of characters is determined based on the positional relationship of characters described in a certificate for performing identity verification. As a result, it is possible to accurately determine the authenticity of a certificate, improve the security of determination of a forged certificate, determine a genuine certificate and an illegal certificate with high accuracy, and forge a certificate. The use of a certificate can be reliably excluded.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of an automatic contract system according to an embodiment of the present invention.

  In the figure, reference numeral 10 denotes an automatic contract system, which is a customer terminal 11a, a customer terminal 11b and a customer terminal 11c as automatic contract terminals disposed in a sales office such as a financial institution, and a center terminal disposed in a remote center 12. 13a, a center terminal 13b, a business management server 14, an MCU / ACD (Multipoint Control Unit / Automatic Call Distribution) 15, a billing terminal 16, and a host 17. In addition, when describing the customer terminal 11a, the customer terminal 11b, and the customer terminal 11c integrally, it demonstrates as the customer terminal 11. FIG. The number of customer terminals 11 may be any number and can be set arbitrarily.

  Here, the customer terminal 11 is an unsecured loan terminal that is operated by a customer of a financial institution such as a bank, a credit union, a consumer finance company, a credit sales company, etc. for making a contract such as unsecured loan, cashing, etc. Although it is a contract terminal etc., it may be a multi-function terminal having other functions such as opening a new account, accepting an address change notification, issuing a passbook. In addition, the customer terminal 11 is a private store such as a main store, branch, etc. of a financial institution, a store of a store such as a convenience store, a supermarket, a department store, a station premises, an underground shopping center, a city hall, a public facility such as a hospital, a factory, an office, etc. Although it is arranged in a terminal booth installed outside a company, a parking lot, a roadside or the like, it may be arranged in any place.

  The customer terminal 11 may have a function of issuing a loan card. Further, the customer terminal 11 may have an ATM (Automatic Teller Machine) function. In this case, by operating the customer terminal 11, the customer can use financial services such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and periodic deposit setting.

  The customer terminal 11 includes CPU, MPU and other computing means, semiconductor memory, magnetic disk and other storage means, keyboard and other input means, CRT, liquid crystal display, LED (Light Emitting Diode) display and other display means, cache Card handling means for handling cards such as cards, credit cards, IC cards, loan card issuing means, cameras for taking still or moving images of customers, photographing means such as CCD (Charge Coupled Device) devices, certificates Reading means such as a scanner for reading contracts, cameras, CCD devices, etc., voice input means such as a microphone for inputting customer's voice, voice output means such as a speaker for voice guidance, for communication A kind of co It is a computer. In addition, in order to make it easy for the customer to perform an operation, it is desirable that a touch panel including a liquid crystal display having the functions of the display unit and the input unit is provided as the input unit.

  Moreover, the said customer terminal 11 is provided with a card issuing machine, when it is provided with the function to issue a loan card. Further, when the customer terminal 11 has an ATM function, it can be used as a card handling device that handles cards such as cash cards, credit cards, and IC cards, a printing device that issues transaction statements, and a bankbook such as a bankbook. It has a passbook bookkeeping device for bookkeeping and a money deposit / withdrawal device for handling banknotes or coins. The money deposit / withdrawal device receives and counts the cash deposited by customers in payment procedures such as financial transactions such as deposits and repayments of borrowings, and the specified amount of money in payment procedures such as financial transactions such as withdrawals and borrowings of cash. Pay out banknotes or coins.

  The customer terminal 11a, the customer terminal 11b, and the customer terminal 11c are connected to the multimedia network 18 via the router R so as to be communicable. Here, the multimedia network 18 is a wireless or wired dedicated communication network or public communication network, the Internet, ISDN (Integrated Services Digital Network), LAN (Local Area Network), WAN (Wide Area Network), etc. It may be. The multimedia network 18 may be a VPN (Virtual Private Network) using a public communication line network.

  The multimedia network 18 communicates via the router R with the center terminal 13a and the center terminal 13b, the business management server 14, and the MCU / ACD 15 arranged in the remote center 12 of the automatic contract system 10. Connected as possible. Here, the business management server 14 includes calculation means such as CPU and MPU, storage means such as magnetic disk and semiconductor memory, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication means and the like. It is a computer, manages the entire automatic contract system 10, monitors the operations of the customer terminal 11a, customer terminal 11b, and customer terminal 11c, and has a schedule function, a transaction content totaling, an output function, and the like.

  The center terminal 13a and the center terminal 13b are CPU, MPU and other arithmetic means, magnetic disk, storage means such as semiconductor memory, keyboard, mouse, touch panel and other input means, CRT, liquid crystal display and other display means, communication Means, a sound input means such as a microphone, a sound output means such as a speaker, and a computer. Then, the operator in the remote center 12 operates the center terminal 13a and the center terminal 13b to check the contents of the document, check the certificate, etc. corresponding to the customer who operates the customer terminal 11. When the center terminal 13a and the center terminal 13b are described in an integrated manner, the center terminal 13a will be described.

  Then, the MCU / ACD 15 performs connection control, and controls to which center terminal 13 the customer terminal 11 is connected when there is a connection request from the customer terminal 11.

  Further, the billing terminal 16 is a calculation means such as a CPU or MPU, a storage means such as a magnetic disk or a semiconductor memory, an input means such as a keyboard, a mouse or a touch panel, a display means such as a CRT or a liquid crystal display, a communication means, a printing machine or the like. And is connected to the billing network 19 so as to be communicable to perform billing operations. Here, the billing network 19 may be any wireless or wired dedicated communication line network or public communication line network, LAN, WAN, online network, etc., but is independent of the multimedia network 18. It is. The billing network 19 may be a VPN using a public communication line network.

  A host 17 as a host device is communicably connected to the billing network 19. Here, the host 17 is a computer provided with arithmetic means such as CPU and MPU, storage means such as magnetic disk and semiconductor memory, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication means and the like. is there. The host 17 also functions as an accounting host computer in the financial institution, and performs accounting-related operations in the financial institution such as financial processing such as deposit, withdrawal, transfer, passbook entry, and the like. Then, the host 17 registers customer data such as customer account data and a personal identification number in the storage means, and permits payment of cash withdrawal based on the information when performing payment procedures such as cash borrowing. Transmit to the terminal 11.

  When the center terminal 13 is host online, that is, when connected to the accounting network 19, the operator at the remote center 12 operates the center terminal 13 to set unsecured loans, cashing, etc. When the center terminal 13 is offline, that is, when it is not connected to the billing network 19, the operator operates the billing terminal 16 to perform the processing. Execute. Further, in the customer identification procedure, when the customer uses a cash card that he / she owns, the customer accesses the host 17 by operating the center terminal 13 or the billing terminal 16, and the password entered by the customer. The cash card is authenticated by collating it with a password corresponding to the cash card registered in the host 17.

  Next, an operation for determining the authenticity of the certificate in the automatic contract system 10 having the above-described configuration will be described. First, a basic operation for determining the authenticity of a certificate will be described.

  2 is a diagram showing the configuration of the authenticity determination unit in the embodiment of the present invention, FIG. 3 is a diagram showing an example of a certificate in the embodiment of the present invention, and FIG. 4 is a certificate in the embodiment of the present invention. FIG. 5 is a diagram showing an example of the character spacing in the name column of FIG. 5, and FIG. 5 is a diagram showing the character spacing in the name column of the certificate to be determined in the embodiment of the present invention.

  The certificate in the present embodiment may be any type of certificate such as a health insurance card as long as it can verify the identity of the customer. A case where the vehicle driving license 31 is as shown in FIG. 3 will be described. Then, the authenticity of the automobile driving license 31 as a certificate is determined by the authenticity determination unit 20 as shown in FIG. The authenticity determination unit 20 may be included in any of the customer terminal 11, the center terminal 13, and the business management server 14, but is assumed to be included in the center terminal 13 in the present embodiment. That is, the center terminal 13 has a true / false determination unit 20 having a configuration as shown in FIG.

  In this case, the image of the automobile driver's license 31 as shown in FIG. 3, that is, the image is read by the reading means of the customer terminal 11 and transmitted to the center terminal 13 via the multimedia network 18. The center terminal 13 extracts only the image in the name field 32 from the received image of the automobile driver's license 31 and transmits it to the authenticity determination unit 20.

  Here, as shown in FIG. 2, the authenticity determination unit 20 includes an image storage unit 21 that stores an image of the name field 32, a character determination unit 22 that determines a character part in the name field 32, A character position determining unit 23 that determines the position of the determined character portion, a positional relationship determining unit 24 that determines the positional relationship of each character, a character position storage unit 25 that stores the determined character position, and each character The character relationship table 26 that defines the relationship between the positional relationship and the authenticity determination condition is provided.

  The authenticity determination unit 20 determines the authenticity of the automobile driver's license 31 based on the number of characters in the name field 32 and the interval between the characters. As shown in FIG. 4, the spacing between characters varies depending on the number of characters in the name field 32. FIG. 4A shows a case where the last name consists of one letter, FIG. 4B shows a case where the last name consists of two letters, and FIG. 4C shows a case where the last name consists of three letters. Thus, if the last name consists of one letter, the space up to the first letter is B1, and if the last name consists of two letters, the space up to the first letter is B2, which is narrower than B1, When the last name consists of three letters, it can be seen that the space to the first letter is B3 which is narrower than B2. Therefore, the authenticity determination unit 20 first determines the number of characters constituting the last name.

  In addition, since the interval, that is, the space between the first name and the last name is usually wide, the authenticity discrimination unit 20 discriminates even a wide open space as the last name. Here, when the name described in the name column 32 is as shown in FIG. 5, the characters up to the character having the inter-character space “a” of the predetermined value A are determined as surnames. In this case, it is determined that the last name consists of two letters. Subsequently, it is determined whether or not the space b up to the first character is B2 as shown in FIG. Further, it is determined whether or not the inter-character space d constituting the surname is D as shown in FIG. Similarly, it is determined whether or not the space between characters is a predetermined value for the characters constituting the name. As a result, it is determined whether or not characters are added or deleted, that is, whether or not the characters are forged.

  Next, the operation | movement which discriminate | determines the authenticity of the motor vehicle driver's license 31 is demonstrated in detail.

  FIG. 6 is a diagram showing a histogram of the name column of the certificate according to the embodiment of the present invention, and FIG. 7 is a flowchart showing an operation for determining the authenticity of the certificate according to the embodiment of the present invention.

  First, when the customer starts operation of the customer terminal 11, guidance on the contents of the unsecured loan and the contract procedure is displayed on the display means of the customer terminal 11. Note that guidance by voice from voice output means such as a speaker may be performed. Subsequently, the customer operates the input means of the customer terminal 11 to apply for a contract, and then executes an identity verification procedure. In this case, a request for presentation of the driver's license 31 to the customer is displayed on the display means. Then, when the customer causes his / her driving license 31 to be read by the reading means of the customer terminal 11, the image of the driving license 31 is transmitted to the center terminal 13 via the multimedia network 18. The center terminal 13 extracts only the image in the name field 32 from the received image of the automobile driver's license 31 and transmits it to the authenticity determination unit 20. The center terminal 13 displays the image of the automobile driver's license 31 on the display means. As a result, the operator at the remote center 12 can confirm the items described in the automobile driver's license 31, a face photograph, and the like.

  Subsequently, when the authenticity determination unit 20 acquires the image of the name field 32 of the automobile driver's license 31, the authenticity determination unit 20 determines the character portion included in the name field 32 based on a histogram as shown in FIG. And determine the position of each character. Here, FIG. 6A shows an image in the name column 32, and FIG. 6B shows a histogram showing a change in density of the image shown in FIG. 6A. 6 (a) and 6 (b), it can be seen that each of the chunks indicating the high-density portions corresponds to each of the characters described in the name column 32. Therefore, when the positions of the start point and the end point of the lump indicating the high density portion in the histogram shown in FIG. 6B are measured, they are digitized as shown in FIG. 6C. In FIG. 6C, the origin 0 indicates the position of the left end of the name field 32, and each numerical value indicates the distance from the origin.

  In the example shown in FIG. 6, the name “Ichiro Yamamoto” described in the name column 32 counts the number of chunks indicating the high density portion in the histogram shown in FIG. I understand that The first character “mountain” in the name is located in the range of 3 to 5 from the left end of the name column 32, and the second character “book” is from the left end of the name column 32. Located in the range of 5.5-7, the third character “I” is located in the range of 11-13 from the left end of the name column 32, and the fourth character “B” is the name column It turns out that it is located in the range of 13.5-15 from the left end of 32. Furthermore, the space from the left end of the name field 32 to the first character is 3, the space between the first character and the second character is 0.5, and the second character and It can be seen that the inter-character space with the third character is 4, and the inter-character space between the third character and the fourth character is 0.5. That is, it is possible to determine the character portion based on the histogram representing the change in the density of the image, determine the position of the determined character, and determine the positional relationship between the character portions.

  Then, the authenticity determination unit 20 determines that the character space a in the portion where the character space is maximum reaches a character having a predetermined value A as characters constituting the surname, and the remaining characters are characters constituting the first name. Is determined. In the example shown in FIG. 6, the first two letters “mountain” and “book” are discriminated as characters constituting the surname, and the remaining two letters “1” and “Buro” are discriminated as characters constituting the first name. . Subsequently, the authenticity determination unit 20 counts the number X of characters constituting the surname. In the example shown in FIG. 6, X = 2.

  Subsequently, the authenticity determination unit 20 obtains a predetermined value B2 of a space from the left end of the name column 32 to the first character when X = 2 from the inter-character relationship table 26 and is described in the name column 32. It is determined whether or not the space b up to the first character is a predetermined value B2. If it is not the predetermined value B2, it is determined that the vehicle driving license 31 is not genuine, that is, a fake license, and the processing is terminated.

  If it is the predetermined value B2, the authenticity determination unit 20 acquires the predetermined value D of the space between the two characters that make up the surname in the case where X = 2 from the character relationship table 26, and the name field It is determined whether or not the inter-character space d of “mountain” and “book” that are two characters constituting the surname described in 32 is a predetermined value D. If it is not the predetermined value D, the vehicle driving license 31 is determined to be a fake license, and the process is terminated.

  If the value is the predetermined value D, the authenticity determination unit 20 counts the number Y of characters constituting the name. In the example shown in FIG. 6, Y = 2. Subsequently, the authenticity determination unit 20 obtains a predetermined value of the space between two characters constituting the name in the case where Y = 2 from the character relationship table 26, and the name described in the name column 32 is obtained. It is determined whether or not the inter-character space of the two characters “1” and “Buro” constituting the character is a predetermined value. If it is not the predetermined value, it is determined that the car driving license 31 is a fake license, and the process is terminated. If the value is a predetermined value, it is determined that the automobile driving license 31 is genuine, that is, it is a genuine license, and the processing is terminated.

  In addition, although the example which discriminate | determines the car driver's license 31 in two classifications of a true license or a false license was demonstrated here, you may discriminate | determine into the division | segmentation of three or more divisions, or the probability of being a true license or The probability of being a false license may be determined by displaying a percentage or a score, and the degree of authenticity of the car driver's license 31, that is, the degree of showing that it is a true license or a false license. You may determine by displaying.

  For example, when the space b up to the first character described in the name field 32 is not the predetermined value B2, a score indicating the probability of being a false license is added as 30 points, and the surname described in the name field 32 is formed. When the inter-character space d is not the predetermined value D, a score indicating the probability of being a fake license is added as 30 points, and the inter-character space constituting the name described in the name field 32 is not the predetermined value The score indicating the probability of being a false license may be added as 30 points, and if the final total score is 60 points or more, it may be determined that the probability of being a false license is high. Further, if the final total score is 30 to 60 points, it is determined that “possibility of false license”, and if it is 60 to 90 points, it is determined that “possibility of false license is high” and 90 points. If it is above, you may make it discriminate | determine by classifying suspiciousness like "a fake license without a doubt". Further, the final total score may be displayed as it is as a degree indicating that the car driving license 31 is a fake license, that is, a “counterfeit degree”.

  In this way, when the process of determining the authenticity of the vehicle driver's license 31 is completed and the vehicle driver's license 31 is a false license, the contract procedure for an unsecured loan or the like is stopped. . If the car driving license 31 is a true license, the customer identification is completed, and the customer's credit information is examined at the remote center 12. Then, when the examination is passed, the examination result notification to the effect that the examination is passed is given to the customer. Then, the customer makes a contract by causing the customer terminal 11 to read a contract describing necessary items.

Next, a flowchart will be described.
Step S1: The driving license 31 is read.
Step S2: An image in the name field 32 is acquired.
Step S3: The character part is determined. The position of each character is counted from the left end, and characters up to a character having a space A between a predetermined value A are determined as characters constituting a surname, and the remaining characters are determined as characters constituting a first name.
Step S4: Count the number X of characters constituting the surname.
Step S5 If X = 2, it is determined whether or not the space b up to the first character is a predetermined value B2. If the space b up to the first character is the predetermined value B2, the process proceeds to step S6, and if the space b up to the first character is not the predetermined value B2, the process proceeds to step S10.
Step S6: The predetermined value D of the space between the two characters composing the surname is acquired, and it is determined whether or not the space d between the two characters composing the surname is the predetermined value D. When the inter-character space d is the predetermined value D, the process proceeds to step S7, and when the inter-character space d is not the predetermined value D, the process proceeds to step S10.
Step S7: Count the number Y of characters constituting the name.
Step S8: The predetermined value of the space between the two characters constituting the name is acquired, and it is determined whether or not the space between the two characters constituting the name is a predetermined value. If the inter-character space is a predetermined value, the process proceeds to step S9. If the inter-character space is not a predetermined value, the process proceeds to step S10.
Step S9: It is determined that the driver's license is true, and the process is terminated.
Step S10: It is determined that the license is a fake license, and the process is terminated.

  Thus, in the present embodiment, it is determined whether or not the automobile driving license 31 is authentic based on the positional relationship between the characters described in the name field 32 of the automobile driving license 31. It has become. Therefore, the name was changed by adding characters by pasting the characters into the name field, and the name was changed by deleting the characters written in the name field with a correction solution etc. The vehicle driving license 31 can be reliably determined as not authentic. Accordingly, it is possible to improve the discrimination security for the forged car driver's license 31, discriminate between the genuine car driver's license 31 and the unauthorized car driver's license 31 with high accuracy, and forge the car driver's license. The use of 31 can be reliably excluded.

  In the present embodiment of the present invention, the case where the forgery determination of the vehicle driver's license 31 is performed by the automatic contract system 10 has been described. However, the present invention is not limited to this, and other similar systems, for example, The present invention can also be applied to other systems having a function of reading the vehicle driver's license 31 with an image and confirming it at a remote place.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a figure which shows the structure of the automatic contract system in embodiment of this invention. It is a figure which shows the structure of the authenticity discrimination | determination part in embodiment of this invention. It is a figure which shows the example of the certificate in embodiment of this invention. It is a figure which shows the example of the character space | interval of the name column of the certificate in embodiment of this invention. It is a figure which shows the character space | interval of the name column of the certificate used as the discrimination | determination object in embodiment of this invention. It is a figure which shows the histogram of the name column of the certificate in embodiment of this invention. It is a flowchart which shows the operation | movement which determines the authenticity of the certificate in embodiment of this invention.

Explanation of symbols

10 automatic contract system 11, 11a, 11b, 11c customer terminal 13, 13a, 13b center terminal 20 authenticity determination unit 21 image storage unit 22 character determination unit 23 character position determination unit 24 position relationship determination unit 25 character position storage unit 26 character Inter-related table 31 Car driver's license 32 Name field

Claims (7)

(A) In an automatic contract system having an automatic contract terminal operated by a customer and a center terminal operated by an operator,
(B) During the contract procedure with the customer, an image of the certificate read by the automatic contract terminal is transmitted to the center terminal,
(C) The center terminal discriminates the last name and the first name based on the interval between the characters representing the name in the name field described in the certificate ,
When there are multiple characters for the last name, based on the distance between characters specified in advance according to the number of characters in the surname, and between characters specified in advance according to the number of characters in the name when there are multiple characters in the first name A certificate authenticity determination method in an automatic contract system, wherein the authenticity of the certificate is determined based on an interval . The certificate authenticity determination method in the automatic contract system according to claim 1, wherein authenticity of the certificate is determined by determining addition or deletion of the character. The certificate authenticity determination method in the automatic contract system according to claim 1 or 2, wherein the last name and the first name are determined based on a portion where the interval between the characters in the name column is the largest. (A) In an automatic contract system having an automatic contract terminal operated by a customer and a center terminal operated by an operator,
(B) During the contract procedure with the customer, an image of the certificate read by the automatic contract terminal is transmitted to the center terminal,
(C) The center terminal discriminates the last name and the first name based on the portion where the distance between the characters representing the name in the name column described in the certificate is the largest,
When the last name in the name field is one character, the authenticity of the certificate is determined based on the interval between the last name character and the ruled line of the name field,
When the last name in the name field is two or more characters, the authenticity of the certificate is determined based on the interval between the first character of the last name and the ruled line of the name field and the interval between the last name character and the first name character. A certificate authenticity determination method in an automatic contract system as a feature. (A) an automatic contract terminal operated by a customer and a center terminal operated by an operator;
(B) During the contract procedure with the customer, an image of the certificate read by the automatic contract terminal is transmitted to the center terminal,
(C) The center terminal receives the image of the certificate , determines a first name and a last name based on an interval between characters representing a name in a name field described in the certificate ,
When there are multiple characters for the last name, based on the distance between characters specified in advance according to the number of characters in the surname, and between characters specified in advance according to the number of characters in the name when there are multiple characters in the first name An automatic contract system characterized in that the authenticity of the certificate is determined based on the interval . (A) a center terminal operated by an operator connected to an automatic contract terminal operated by a customer,
(B) a receiving unit that receives an image of a certificate read by the automatic contract terminal during a contract procedure with the customer;
(C) The first name and the last name are determined based on the distance between the characters representing the name in the name field described in the certificate ,
When there are multiple characters for the last name, based on the distance between characters specified in advance according to the number of characters in the surname, and between characters specified in advance according to the number of characters in the name when there are multiple characters in the first name A center terminal comprising: a authenticity determination unit that determines authenticity of the certificate based on the interval . (A) a center terminal operated by an operator connected to an automatic contract terminal operated by a customer;
(B) a center terminal that receives an image of a certificate read by the automatic contract terminal during a contract procedure with the customer and determines whether the certificate is true or false;
(C) an image storage unit for storing an image of the name field of the certificate;
(D) a character discriminating unit for discriminating a character part in the name field;
(E) a character position determination unit for determining the position of the determined character part;
(F) a positional relationship determination unit for determining the positional relationship of each character;
(G) a character position storage unit for storing the determined character position; and
(H) a character relationship table that defines the relationship between the positional relationship between each character and the authenticity determination condition;
(I) A first name and a last name are determined based on an interval between characters representing the name in the name field ,
When there are multiple characters for the last name, based on the distance between characters specified in advance according to the number of characters in the surname, and between characters specified in advance according to the number of characters in the name when there are multiple characters in the first name A center terminal comprising: a authenticity determination unit that determines authenticity of the certificate based on the interval .

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