JP5655415B2 - Window terminal and identity verification system - Google Patents

Description

  The present invention relates to a window terminal, a person confirmation method, and a person confirmation system.

  An online window terminal that performs various transactions such as deposit / withdrawal / transfer / transfer / opening of a new account based on an operation by an operator is installed at a financial institution's branch. The online window terminal is connected to a host computer installed in the center, and can establish a transaction by communicating customer information, transaction information, and the like with the host computer.

  In addition, it is necessary to confirm the identity of the customer at the time of a predetermined transaction such as an account opening or a transfer exceeding a predetermined amount. This identity verification can be performed manually by the operator, but can also be performed by an online window terminal. As an example, the online window terminal reads the customer's identity confirmation, compares the contents of the identity verification certificate (photo, address, name, etc.) with the contents of the identity confirmation registered in the identity confirmation server. Confirm your identity.

  And the online window terminal forcibly suspends the transaction if the photos do not match on both identity verification documents, and automatically displays a change screen if the items that require notification by the customer, such as an address, do not match Perform the process. Note that customer identity verification and identity authentication are described in, for example, Patent Documents 1 to 3 shown below.

JP 2009-181371 A JP 2005-25243 A JP 2002-312829 A

  Here, as the identity verification certificate, for example, a license can be cited, but it is assumed that due to renewal of the identity verification certificate, the expiration date of the updated identity verification certificate does not match the expiration date of the registered identity verification certificate. Is done. However, it has not been sufficiently studied to determine whether or not the expiration dates match in identity verification work.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to perform identity verification in consideration of the relationship between the expiration date of the current identity verification certificate and the registered identity verification certificate. It is an object of the present invention to provide a new and improved window terminal, identity verification method, and identity verification system.

In order to solve the above-described problem, according to an aspect of the present invention, a reading unit that reads a customer's identity confirmation, the content of the identity confirmation read by the reading unit, and the registered identity confirmation of the customer comprising a personal identification unit for comparing the contents of the testimony, and a transaction processing unit for executing a transaction if the identification card is determined to be valid by the identification unit, the identification unit, the The expiration date of the identity verification certificate is compared with the expiration date of the registered identity verification certificate, and the expiration date of the identity verification certificate and the expiration date of the registered identity verification certificate do not match, and the registered identity verification certificate If the expiration date of the identity verification certificate has not expired, and if the contents other than the expiration date match between the identity verification certificate and the registered identity verification certificate, the identity verification Judge that the testimony is valid That, the counter terminal is provided. Here, the content other than the expiration date may include an address, a name, or a photo content.

  The registered identity verification certificate is registered in an identity verification storage unit arranged via the network with the window terminal, and the window terminal obtains the registered identity verification certificate from the identity verification storage unit. A communication unit may be provided.

  The communication unit does not match an expiration date of the identity verification certificate and an expiration date of the registered identity verification certificate, but if the identity verification unit determines that the identity verification certificate is valid, the identity verification certificate The contents of the registered identity confirmation stored in the identity verification storage unit are sent to the server device from the communication unit by the server device. The content may be updated.

  When the identity verification unit determines that the expiration date of the registered identity verification certificate is later than the expiration date of the identity verification certificate, the window terminal displays a guidance screen indicating an inconsistency of the expiration dates You may further provide the display part which displays.

In order to solve the above problems, according to another aspect of the present invention, in the identity verification system comprising an identity verification storage unit and a contact terminal that performs customer identity verification, the contact terminal is the customer's identity. A reading unit that reads a confirmation certificate, and the identity verification that compares the content of the identity verification certificate read by the reading unit with the content of the registered identity verification card of the customer stored in the identity verification storage unit A transaction processing unit that executes a transaction when the identity verification unit determines that the identity verification is valid, and the identity verification unit includes the expiration date of the identity verification certificate and the registered Compared with the expiration date of the identity verification certificate, the expiration date of the identity verification certificate and the expiration date of the registered identity verification certificate do not match, the expiration date of the registered identity verification certificate has expired, and Identity verification card If the expiration date has not expired, the identity verification certificate is determined to be effective in the case where the contents other than the expiration date to match between the identification certificate and the registered personal identification certificate, there is provided an identification system The

  As described above, according to the present invention, identity verification can be performed in consideration of the relationship between the expiration date of the current identity verification certificate and the registered identity verification certificate.

It is explanatory drawing which showed the structure of the identification system by embodiment of this invention. It is explanatory drawing which showed the specific structural example of the identification card. It is explanatory drawing which showed the specific example of the content of the personal identification certificate registered into identification verification DB. It is explanatory drawing which showed the structure of the online window terminal by embodiment of this invention. It is explanatory drawing which showed the specific example of the identity verification error screen. It is explanatory drawing which showed the specific example of the expiration date error screen. It is explanatory drawing which showed the specific example of the update confirmation screen. 5 is a flowchart illustrating an operation of an online window terminal according to an embodiment of the present invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

  In the present specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numeral. For example, a plurality of components having substantially the same functional configuration are distinguished as the online window terminals 20A and 20B as necessary. However, when it is not necessary to particularly distinguish each of a plurality of constituent elements having substantially the same functional configuration, only the same reference numerals are given. For example, when it is not necessary to distinguish between the online window terminals 20A and 20B, they are simply referred to as online window terminals.

<1. Overall configuration of identity verification system>
First, with reference to FIG. 1, the whole structure of the identification system 1 by embodiment of this invention is demonstrated.

  FIG. 1 is an explanatory diagram showing a configuration of an identification system 1 according to an embodiment of the present invention. As shown in FIG. 1, in the identity verification system 1 according to the embodiment of the present invention, a center and a sales office are connected via a communication network 16. In addition, a host computer 10, an identity verification server 12, and an identity verification DB 14 are installed in the center, and a plurality of online window terminals 20A, 20B,... , 30B,... Are installed.

  The automatic transaction apparatus 30 executes a transaction desired by the customer based on the customer operation. Specifically, the automatic transaction apparatus 30 displays a display screen for guiding a customer operation, and executes a transaction selected by the customer on the display screen by transmitting / receiving necessary information to / from the host computer 10. . For example, the automatic transaction apparatus 30 requests the host computer 10 to verify the personal identification number input by the customer, receives customer deposit information from the host computer 10, or receives the deposit amount or withdrawal amount designated by the customer. To the host computer 10.

  On the other hand, the online window terminal 20 establishes a transaction by communicating customer information, transaction information, and the like with the host computer 10 based on an operation by an operator at the window. The transactions performed by the online window terminal 20 are various, and examples thereof include deposit / withdrawal / transfer / transfer / opening of a new account.

  In addition, when performing a predetermined transaction such as opening an account or a transfer exceeding a predetermined amount, it is necessary to verify the identity of the customer. Accordingly, the online window terminal 20 determines the identity of the customer based on the contents of the identity verification certificate presented from the customer and the registered identity verification certificate obtained from the identity verification server 12 when the transaction requires the identity verification of the customer. Confirm.

  Various documents can be used as the identity verification certificate, and examples of the identity verification certificate include a driver's license, passport, pension notebook, welfare notebook, maternal and child health notebook, and health insurance card. Here, with reference to FIG. 2, a specific example of the identity verification will be described.

  FIG. 2 is an explanatory view showing a specific configuration example of the identity verification card. As shown in FIG. 2, the identification card 40 has a name entry column 41 in which the name “Taro Yamada” is written, and a date of birth in which the date of birth is “April 1, 1975”. Column 42, an address description column 43 in which an address “Tokyo XX ward XX town 3-3” is described, and an expiration date description column 44 in which an expiration date “to be valid until October 02, 2012” is described. , And a face photograph 45. In “2. Configuration of Online Contact Terminal”, the identity verification using such an identity verification will be described in detail.

  The host computer 10 shown in FIG. 1 manages customer information, and controls transactions requested from the online window terminal 20 and the automatic transaction apparatus 30 by communicating with the online window terminal 20 and the automatic transaction apparatus 30. .

  The customer information includes account number, personal identification number, name, address, age, date of birth, telephone number, occupation, family structure, annual income, deposit information, and action history information. Further, the deposit information is information related to the customer's deposit, and may include, for example, information related to the type and balance of the customer's ordinary deposit, fixed deposit, foreign currency deposit, securities, investment trust, insurance product, and the like.

  The identity verification server 12 is a server device that performs processing for enabling identity verification at the online window terminal 20. For example, the identity verification server 12 has a function of pre-registering the content of the identity verification certificate in the identity verification DB (identity verification storage unit) 14, a function of updating the content of the registered identity verification certificate, and a registered identity verification certificate. For example, a function of transmitting the contents to the online window terminal 20. The identity verification server 12 and the identity verification DB 14 may be separate devices, or the identity verification DB 14 may be provided in the identity verification server 12. Here, with reference to FIG. 3, the specific example of the content of the personal identification card registered in the personal identification card DB 14 will be described.

  FIG. 3 is an explanatory diagram showing a specific example of the contents of the personal identification card registered in the personal identification card DB 14. As shown in FIG. 3, in the identity verification DB 14, the account number that uniquely identifies the customer is associated with the entire image, name, date of birth, address, expiration date, and facial photograph of the identity verification certificate. It has been.

  When the identity verification server 12 receives only the entire image of the identity verification certificate, the character verification function (for example, OCR: Optical Character Reader) recognizes the name field 41 and the date of birth field 42 of the identity verification certificate. By doing so, the contents of each item may be registered in the identity verification DB 14. Alternatively, the identity verification server 12 may register the contents of each item input by the operator in the identity verification DB 14.

(Background to the embodiment of the present invention)
Here, identity verification by an online window terminal different from the present invention will be described. This online window terminal reads the identity verification certificate of the customer, compares the content of the identity verification certificate (photograph, address, name, etc.) with the content of the identity verification certificate registered in the identity verification DB 14 and Confirm your identity.

  And this online window terminal forcibly suspends the transaction if the photos do not match on both identity verification documents, and automatically displays a change screen if the items that need to be reported by the customer such as an address do not match Process such as.

  However, the processing by the online window terminal in the case where the expiration dates of the identification cards do not match has not been sufficiently studied. For example, it is not preferable from the viewpoint of the smoothness of the identity verification work to shift to error processing regardless of the original validity of the identity verification certificate when the expiration dates of the identity verification certificates do not match. In addition, since this online window terminal does not have a function for updating the registered identity verification certificate, there is a problem that an error occurs every time the customer identity is verified.

  In view of the above circumstances, the online window terminal 20 according to the embodiment of the present invention has been created. The online window terminal 20 according to the embodiment of the present invention can perform identity verification in consideration of the relationship between the current identity verification certificate and the expiration date of the registered identity verification certificate. Furthermore, the online window terminal 20 according to the embodiment of the present invention has a function for updating the contents of the registered identity confirmation as necessary. Hereinafter, the configuration and operation of the online window terminal 20 according to the embodiment of the present invention will be described in detail with reference to FIGS.

<2. Configuration of online window terminal>
FIG. 4 is an explanatory diagram showing the configuration of the online window terminal 20 according to the embodiment of the present invention. As shown in FIG. 4, the online window terminal 20 according to the embodiment of the present invention includes an imaging unit 210, a display unit 220, an operation unit 230, a communication unit 240, and a control unit 250. The control unit 250 includes a character recognition unit 252, an identity verification unit 254, a transaction processing unit 256, and a display control unit 258.

  The imaging unit 210 captures the identity verification presented by the customer and acquires an image (image) of the identity verification. The imaging unit 210 may be, for example, a direct scanner attached to the online window terminal 20. When the image of the identity verification certificate is acquired by the imaging unit 210, the character recognition unit 252 recognizes the description content of each column included in the image of the identity verification certificate. As described above, the function as a reading unit for reading the identity verification certificate is performed by one or both of the imaging unit 210 and the character recognition unit 252.

  The display unit 220 displays various screens controlled by the display control unit 258. For example, in the identity verification process, the display unit 220 displays an identity confirmation error screen, an expiration date error screen, an update confirmation screen, or the like. Hereinafter, specific examples of each screen will be described with reference to FIGS.

  FIG. 5 is an explanatory diagram showing a specific example of the identity verification error screen. As shown in FIG. 5, the identity verification error screen 60 is displayed on the identity verification error screen 60 indicating that the content of the current identity verification certificate (the identity verification image captured by the imaging unit 210) and the registered identity verification certificate do not match. And a confirmation button 62.

  The identity verification error screen 60 is a screen that is displayed when the name and address other than the expiration date do not match between the current identity verification certificate and the registered identity verification certificate. The operator can grasp the mismatch by visually recognizing the identity confirmation error screen 60 displayed on the display unit 220, and can select the confirmation button 62 to cause the online window terminal 20 to perform a prescribed process.

  FIG. 6 is an explanatory diagram showing a specific example of an expiration date error screen. As shown in FIG. 6, the expiration date error screen 70 displays a message “Only the expiration date does not match” indicating that the expiration date does not match between the current identity verification certificate and the registered identity verification certificate, and the transaction continuation button 72. And a transaction interruption button 74.

  This expiration date error screen 70 shows that the validity period of the current identity confirmation certificate and the registered identity confirmation certificate does not match, and the validity date of the registered identity confirmation certificate is greater than the validity period of the current identity confirmation certificate. Is a screen displayed when the date is in the future. When the transaction continuation button 72 is selected by the operator on the expiration date error screen 70, the transaction is continued, and when the transaction interruption button 74 is selected by the operator, the transaction is interrupted.

  FIG. 7 is an explanatory diagram showing a specific example of the update confirmation screen. As shown in FIG. 7, the update confirmation screen 80 includes a message “Principal Confirmation Update” that asks whether or not to update the identity confirmation, an execution button 82, and a cancel button 84.

  When the execution button 82 is selected by the operator on the update confirmation screen 80, a process for updating the contents of the registered identity confirmation certificate with the contents of the current identity confirmation certificate is executed. On the other hand, when the cancel button 84 is selected by the operator on the update confirmation screen 80, the process for updating the contents of the registered identity confirmation is not performed.

  Note that the display unit 220 that displays such various screens may be a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device.

  The operation unit 230 is configured for an operator to input instructions and information to the online window terminal 20. For example, the operator can select the button display in the screen described with reference to FIGS. 5 to 7 by operating the operation unit 230. The operation unit 230 may be configured by, for example, a mouse, a keyboard, a touch panel, a button, a microphone, a switch, or a lever.

  The communication unit 240 is connected to the communication network 16 and can communicate with the host computer 10 and the identification server 12 installed in the center. For example, the communication unit 240 receives the contents of the registered identity verification certificate from the identity verification server 12 or transmits the contents of the current identity verification certificate to the identity verification server 12.

  The character recognition unit 252 of the control unit 250 recognizes the description content of each column included in the image of the personal identification card from the image of the personal identification card acquired by the imaging unit 210. Here, when the format of the personal identification card is known, that is, when the position of each field such as the name field in the personal identification card is known, the character recognition unit 252 recognizes the characters described in each field. May be. On the other hand, if the character recognizing unit 252 cannot determine the position of each column such as the name column in the personal identification card, the operator designates an area in the personal identification card to be recognized by the operator, and the character recognizing unit 252 is designated by the operator. The characters described in the area may be recognized.

  The identity verification unit 254 confirms the identity of the customer based on the content of the current identity verification certificate acquired by the imaging unit 210 and the content of the registered identity verification certificate received from the identity verification server 12 by the communication unit 240. I do. Specifically, the identity verification unit 254 confirms whether the expiration date is the same as the name, address, photo, etc., in addition to the name, address, photo, etc., using the current identity verification certificate and the registered identity verification certificate.

  If the contents other than the expiration date, such as name, address, and photo, do not match, processing according to the prescribed flow is performed. For example, if the address does not match, a process for changing the address is performed, and if the name does not match, the transaction is interrupted.

  On the other hand, if the expiration dates do not match, the identity verification unit 254 determines the validity of the current identity verification certificate from the relationship between the expiration date of the current identity verification certificate and the expiration date of the registered identity verification certificate. Specifically, the identity verification unit 254 determines the identity verification certificate according to whether the validity period of the current identity verification certificate and the validity period of the registered identity verification certificate correspond to the following relationship A or relationship B. Judge the effectiveness of.

(Relationship A)
The registered identity verification has expired, and the current identity verification has not expired.
(Relationship B)
The expiry date of the registered identity verification certificate is a future date than the expiry date of the current identity verification certificate.

  Supplementing the above, if the relationship between the expiration date of this identity verification certificate and the expiration date of the registered identity verification certificate falls under relationship A, this identity verification certificate was issued later. It is reasonable to judge that the identity verification certificate is valid. Therefore, if the relationship between the validity period of the current identity verification certificate and the validity period of the registered identity verification certificate falls within the relationship A, the identity verification unit 254 confirms again whether the other items match or not. If they match, it is determined that this identity verification is valid.

  On the other hand, if the relationship between the expiry date of the current identity verification certificate and the expiry date of the registered identity verification certificate falls within the relationship B, the registered identity verification certificate will be issued later. It is reasonable to judge that the testimony is invalid. Therefore, when the identity verification unit 254 determines that the relationship between the expiration date of the current identity verification certificate and the expiration date of the registered identity verification certificate corresponds to the relationship B, the expiration date error screen 70 shown in FIG. 220 displays.

  The transaction processing unit 256 executes various transactions according to operations by the operator. However, the transaction processing unit 256 executes the transaction for transactions that require identity verification when the identity verification unit 254 confirms the validity of the customer identity certificate.

  The display control unit 258 controls screen display by the display unit 220. For example, the display control unit 258 generates a screen for guiding the operation by the operator, the identity confirmation error screen 60, the expiration date error screen 70, or the update confirmation screen 80 described with reference to FIGS. It is displayed on the display unit 220.

<3. Operation of online window terminal>
The configuration of the online window terminal 20 according to the embodiment of the present invention has been described above. Next, the operation of the online window terminal 20 according to the embodiment of the present invention will be described with reference to FIG.

  FIG. 8 is a flowchart showing the operation of the online window terminal 20 according to the embodiment of the present invention. As shown in FIG. 8, first, when an identification card is presented by a customer in a transaction requiring identification, the imaging unit 210 and the character recognition unit 252 of the online window terminal 20 recognize the contents of the identification card. (S304).

  Further, the communication unit 240 acquires the contents of the registered identity confirmation of the customer registered in the identity verification DB 14 from the identity verification server 12 in the center (S308). In the identity verification DB 14, as described with reference to FIG. 3, the contents of the registered identity verification certificate are associated with an account number or CIF number that can uniquely identify a customer. For this reason, the communication part 240 can acquire the content of the customer's registered identity verification certificate from the identity verification server 12 by transmitting the customer's account number or CIF number to the identity verification server 12.

  Subsequently, the identity verification unit 254 determines whether the content of the current identity verification certificate obtained by the character recognition unit 252 matches the content of the registered identity verification certificate obtained by the communication unit 240. (S312). If the contents of the current identity verification certificate and the registered identity verification contents match, the transaction processing unit 256 continues the transaction and establishes the transaction (S316).

  On the other hand, if the contents of the identity verification certificate do not match the contents of the registered identity verification certificate, the identity verification unit 254 confirms whether the mismatched item is the expiration date, or other name, address, or photo. Is determined (S320). When items other than the expiration date do not match, processing according to the prescribed flow is performed (S324). On the other hand, if the item that does not match is the expiration date, the identity verification unit 254 determines the relationship between the expiration date of the current identity verification certificate and the expiration date of the registered identity verification certificate (S328).

  Then, when the relationship between the validity period of the current personal identification certificate and the validity period of the registered personal identification certificate corresponds to the above-described relationship A, the personal identification unit 254 confirms again whether or not other items match (S332). . Then, when the identity verification unit 254 determines that other items match, the transaction processing unit 256 continues the transaction and establishes the transaction (S336).

  Thereafter, the display control unit 258 causes the display unit 220 to display the update confirmation screen 80 described with reference to FIG. 7 (S340). When the execution button 82 in the update confirmation screen 80 is selected by the operator (S344), the communication unit 240 transmits the contents of the current identity verification certificate to the identity verification server 12 in the center (S348). When the identity verification server 12 receives the content of the current identity verification certificate from the communication unit 240, the identity verification server 12 updates the content of the registered identity verification certificate with the received content of the current identity verification certificate.

  On the other hand, when the relationship between the expiration date of the current identity verification certificate and the expiration date of the registered identity verification certificate corresponds to the relationship B described above (S328), the display control unit 258 displays the expiration date described with reference to FIG. The error screen 70 is displayed on the display unit 220 (S352). Based on this display, the operator informs the customer that the expiration date does not match and listens to the reason from the customer. Then, the operator determines the validity of the current identity verification card according to the reason for the mismatch of the expiration dates obtained from the customers.

  Thereafter, when the operator determines that the current identity verification is valid and selects the transaction continuation button 72 in the expiration date error screen 70 (S356), the transaction processing unit 256 continues the transaction and establishes the transaction. (S336). On the other hand, when the transaction interruption button 74 in the expiration date error screen 70 is selected by the operator (S356), the transaction processing unit 256 interrupts the transaction (S360).

<4. Summary>
As described above, the online window terminal 20 according to the embodiment of the present invention can perform identity verification in consideration of the relationship between the current identity verification certificate and the expiration date of the registered identity verification certificate. For example, in the online window terminal 20 according to the embodiment of the present invention, even if the validity period of this identity verification certificate and the registered identity verification certificate does not match, the current identity verification certificate is newer than the registered identity verification certificate. If it is determined, it can be determined that this identity verification is valid.

  With such a configuration, even in a case where it is necessary to shift to error processing or to cancel the error in another online window terminal, it can be completed as normal processing. As a result, even though the customer is the owner of a valid identity verification certificate, it is possible to suppress processing errors caused by mismatched expiration dates caused by renewal of the identity verification certificate. improves. In addition, the operator can reduce the load related to the identity verification operation and improve the accuracy of the identity verification operation.

  Furthermore, the online window terminal 20 according to the embodiment of the present invention provides the identity verification server 12 with the contents of the identity verification certificate when it is determined that the identity verification certificate is newer than the registered identity verification certificate. Send. As a result, the identity verification server 12 can update the content of the registered identity verification certificate in the identity verification DB 14 with the content of the current identity verification certificate.

  With such a configuration, it is possible to prevent interruption of processing due to a mismatch when performing identity verification of the same customer again, so that operation time can be reduced. In addition, since the reliability of the registered confirmation certificate can be maintained, the accuracy of the personal identification work can be further improved.

  Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, the identity verification by the identity verification unit 254 described above may be performed at any stage during the transaction that requires the identity verification. For example, identity verification by the identity verification unit 254 may be performed at the beginning of a transaction that requires identity verification, may be performed in the middle, or may be performed immediately before completion.

  For example, each step in the processing of the online window terminal 20 in this specification does not necessarily have to be processed in time series in the order described as a flowchart. For example, each step in the processing of the online window terminal 20 may be processed in an order different from the order described as the flowchart, or may be processed in parallel.

  Further, it is possible to create a computer program for causing hardware such as a CPU, ROM, and RAM incorporated in the online window terminal 20 to perform the same functions as the components of the online window terminal 20 described above. A storage medium storing the computer program is also provided.

1 identity verification system 10 host computer 12 identity verification server 14 identity verification DB
16 communication network 20 online window terminal 30 automatic transaction apparatus 40 identity verification certificate 210 imaging unit 220 display unit 230 operation unit 240 communication unit 250 control unit 252 character recognition unit 254 identity verification unit 256 transaction processing unit 258 display control unit

Claims (6)

A reading unit for reading the customer's identification card;
An identity verification unit that compares the contents of the identity verification read by the reading unit with the content of the registered identity verification of the customer;
A transaction processing unit that executes a transaction when the identity verification unit determines that the identity verification is valid;
With
The identity verification unit compares the expiration date of the identity verification certificate with the expiration date of the registered identity verification certificate, and the expiration date of the identity verification certificate does not match the expiration date of the registered identity verification certificate. If the registered identity verification certificate has expired and the identity verification certificate has not expired, contents other than the expiration date in the identity verification certificate and the registered identity verification certificate A counter terminal that determines that the identity verification card is valid if they match . The window terminal according to claim 1, wherein the contents other than the expiration date include an address, a name, or a photograph. A display unit that displays a guidance screen indicating a mismatch of expiration dates when the identity verification unit determines that the expiration date of the registered identity verification certificate is a date that is later than the expiration date of the identity verification certificate The window terminal according to claim 1 , further comprising: The registered identity verification certificate is registered in an identity verification storage unit arranged via the window terminal and the network,
The window terminal is
The window terminal as described in any one of Claims 1-3 provided with the communication part for acquiring the said registered identity verification certificate from the said identification verification memory | storage part. The communication unit does not match an expiration date of the identity verification certificate and an expiration date of the registered identity verification certificate, but if the identity verification unit determines that the identity verification certificate is valid, the identity verification certificate Is sent to the server device,
5. The content of the registered identity verification stored in the identity verification storage unit is updated by the server device to the content of the identity verification received by the server device from the communication unit. Contact terminal described in. In an identity verification system consisting of an identity verification storage unit and a window terminal for verifying customer identity:
The window terminal is
A reading unit for reading the customer's identification card;
An identity verification unit for comparing the content of the identity verification read by the reading unit with the content of the registered identity verification of the customer stored in the identity verification storage unit;
A transaction processing unit that executes a transaction when the identity verification unit determines that the identity verification is valid;
With
The identity verification unit compares the expiration date of the identity verification certificate with the expiration date of the registered identity verification certificate, and the expiration date of the identity verification certificate does not match the expiration date of the registered identity verification certificate. If the registered identity verification certificate has expired and the identity verification certificate has not expired, contents other than the expiration date in the identity verification certificate and the registered identity verification certificate An identity verification system that determines that the identity verification certificate is valid if they match .

Images