JP7078156B1 - Card management system, card management method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card management system, a card management method and a program for reducing the risk of misuse of a card issued in an unactivated state. SOLUTION: In a card management system, a collation server 60 has a first identification information for identifying an application for issuance to a service to which a card is issued, an identity verification document with an applicant's first appearance image, and an applicant's identity verification document. A storage unit 62 that stores the second facial image in association with the photographed identity verification document image, and a third facial image of the recipient of the card taken during the activation procedure when the activation procedure is performed. The activation information acquisition unit 635 that acquires the second identification information input, and the storage information acquisition unit 636 that acquires the second facial image associated with the first identification information that is the same as the second identification information. And an activate collation unit 637 that collates the second facial image with the third facial image and determines whether or not the applicant and the recipient are the same. [Selection diagram] FIG. 7

Description

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

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

However, if the card is sent in the activated state, the card can be used even if a person other than the applicant receives the card, so that the card may be misused.
Therefore, the card is sent to the user while the card cannot be used (that is, it is not activated), and the user who received the card activates it, or the card company receives a request from the user who received the card. It is conceivable that the person in charge of will activate it.

In a credit card service used in a communication terminal such as a smartphone, a technique of activating by the user himself / herself has been proposed, for example, as in the technique of Patent Document 1 below. In this technique, a user requests an admission examination for a credit card service from a user terminal. If the admission examination is passed, the activation information for making the application of the credit card service available is sent to the user terminal of the user. The user activates using the received activation information.

Japanese Unexamined Patent Publication No. 2019-145071

However, in the service where the card is physically issued, it is difficult to prove the identity of the applicant and the recipient. Therefore, even if a technique such as Patent Document 1 in which the user activates the service is applied to the service and the card is sent to the user without being activated, the recipient is different from the applicant. If the card arrives at, there is a risk that the card will be misused.

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

In order to solve the above-mentioned problems, the card management system according to one aspect of the present invention uniquely identifies a card issuance application for a service that is issued in a state where the card is not activated and is sent to the applicant . The identification information of 1 and the identity verification document image obtained by photographing the identity verification document accompanied by the first appearance image showing the appearance of the applicant at the time of the card issuance application, and the applicant at the time of the card issuance application. The first facial image is collated with the storage unit that stores the second facial image in which the appearance of the image is photographed in association with the second facial image, and the first facial image and the second facial image in the card issuance application. When it is determined that the person shown by is the same as the person shown by the second facial image, the card is issued in a state where the card is not activated and sent to the applicant, and the sent card is used. When the activation procedure for activating the card is performed by the recipient, a third facial image in which the recipient's appearance is photographed during the activation procedure and a second input second. Storage information that acquires the activation information acquisition unit that acquires the identification information and the second facial image associated with the first identification information that is the same as the acquired second identification information from the storage unit. The acquisition unit, the activation collation unit that collates the acquired second facial image and the third facial image, and determines whether the applicant and the recipient are the same, and the activation procedure. When it is determined that the applicant and the recipient are the same by the collation between the second appearance image and the third appearance image, the card received by the recipient is activated. It is equipped with an activation processing unit .

In the card management method according to one aspect of the present invention, the storage unit has the first identification information that uniquely identifies the card issuance application to the service that is issued and sent to the applicant in a state where the card is not activated . , The identity verification document image with the first appearance image showing the appearance of the applicant at the time of the card issuance application was photographed, and the appearance of the applicant was photographed at the time of the card issuance application. The storage process of associating and storing the second facial image and the activation information acquisition unit collate the first facial image with the second facial image in the card issuance application to obtain the first facial image. When it is determined that the person shown in the image and the person shown in the second facial image are the same, the card is issued in a non-activated state and sent to the applicant, and the sent card is sent. When the activation procedure for activating the card is performed by the recipient, a third facial image in which the recipient's appearance is photographed during the activation procedure and a second input image are input. The activation information acquisition process for acquiring the identification information of the above, and the storage information acquisition unit obtains the second facial image associated with the first identification information which is the same as the acquired second identification information. Whether or not the applicant and the recipient are the same by collating the acquired second facial image and the third facial image with the storage information acquisition process acquired from the storage unit and the activation collation unit. In the activation collation process for determining the above and the activation processing unit, the applicant and the recipient are determined to be the same by collating the second facial image with the third facial image in the activation procedure. In some cases, it comprises an activation process that puts the card received by the recipient into an activated state .

In the program according to one aspect of the present invention, the computer is issued with the card not activated, and the card issuance application for the service sent to the applicant is uniquely identified, and the card is the first identification information. An image of the identity verification document attached with the first appearance image showing the appearance of the applicant at the time of application for issuance, and a second image of the appearance of the applicant taken at the time of application for issuance of the card. A storage means for associating a facial image and storing it in a storage unit, and a person and the person indicated by the first facial image by collation of the first facial image with the second facial image in the card issuance application. When it is determined that the person shown in the second facial image is the same, the card is issued in a non-activated state and sent to the applicant, and the card is sent by the recipient of the card. When the activation procedure for activating the is performed, the third facial image of the recipient's facial image taken during the activation procedure and the input second identification information are acquired. The activation information acquisition means for acquiring the second facial image associated with the first identification information that is the same as the acquired second identification information, and the storage information acquisition means for acquiring the second facial image from the storage unit. The activation collation means for collating the acquired second facial image and the third facial image to determine whether the applicant and the recipient are the same, and the second activation procedure. When it is determined that the applicant and the recipient are the same by collating the appearance image with the third appearance image, the activation processing means for activating the card received by the recipient. To function as.

According to the present invention, it is possible to reduce the risk of misuse of a card issued in an inactive state.

It is a block diagram which shows an example of the structure of the card issuing system which concerns on embodiment of this invention. It is a figure which shows the outline of the collation process which concerns on embodiment of this invention. It is a block diagram which shows an example of the functional structure of the applicant terminal which concerns on embodiment of this invention. It is a block diagram which shows an example of the functional structure of the recipient terminal which concerns on embodiment of this invention. It is a block diagram which shows an example of the functional structure of the card company terminal which concerns on embodiment of this invention. It is a block diagram which shows an example of the functional structure of the application acceptance server which concerns on embodiment of this invention. It is a block diagram which shows an example of the functional structure of the collation server which concerns on embodiment of this invention. It is a sequence diagram which shows an example of the processing flow in the membership application process which concerns on embodiment of this invention. It is a sequence diagram which shows the flow of the process in the activation procedure process which concerns on embodiment of this invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
In this embodiment, an example in which the specific type of the card is a credit card will be described. Therefore, the service for issuing cards is a service for issuing credit cards (hereinafter, also referred to as "credit card issuing service"), and the business operator issuing the card is a credit card company (hereinafter, "card company"). Also called). In this embodiment, the credit card is issued in an unusable state (ie, not activated) and sent to the user.
The type of card is not limited to a credit card, and may be a cash card, a debit card, or the like. Further, the name of the service to which the card is issued and the name of the card company may change depending on the type of the card.

<< 1. Card issuance system configuration >>
The configuration of the card issuing system according to the embodiment of the present invention will be described with reference to FIGS. 1 and 2. FIG. 1 is a block diagram showing an example of a configuration of a card issuing system according to an embodiment of the present invention.
The card issuing system 1 shown in FIG. 1 is a system for issuing cards. In the present embodiment, since the type of card is a credit card, the target issued by the card issuing system is a credit card. The target issued by the card issuing system may change depending on the type of card.
As shown in FIG. 1, the card issuing system 1 according to the present embodiment includes an applicant terminal 10, a recipient terminal 20, a card company terminal 30, and a card management system 40.

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

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

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

The applicant terminal 10 and the recipient terminal 20 may be the same terminal or different terminals regardless of whether the applicant and the recipient are the same person. Hereinafter, in the present embodiment, when the applicant and the recipient are the same person, the applicant terminal 10 and the recipient terminal 20 are assumed to be the same terminal, and the applicant and the recipient are different persons. It is assumed that the applicant terminal 10 and the recipient terminal 20 are different terminals.

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

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

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

(4-2) Verification server 60
The collation server 60 is a server device that performs a process of collating an applicant with a recipient (hereinafter, also referred to as a “verification process”). The collation server 60 according to the present embodiment is realized by, for example, a PC.
The collation server 60 is communicably connected to the applicant terminal 10, the recipient terminal 20, and the card company terminal 30 via the network NW.

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

In the membership application process, collation is performed using the identity verification document image 70 and the second facial image 80. The identity verification document image 70 is an image taken of the identity verification document 73 to which the first appearance image 72 showing the first appearance 71 of the applicant is attached. The identity verification document 73 is specifically a driver's license, a passport, an individual number card, or the like.
The second appearance image 80 is an image in which the second appearance 81 of the applicant is taken. The identity verification document image 70 and the second appearance image 80 are images taken by the applicant using the applicant terminal 10 at the time of application for membership.
In the membership application process, for example, the first appearance image 72 shown in the identity verification document image 70 and the second appearance image 80 are collated. In the collation, specifically, the first appearance 71 of the applicant shown by the first appearance image 72 and the second appearance 81 of the applicant shown by the second appearance image 80 are compared with each other. It is determined whether or not the person shown by the facial image 72 of 1 and the person shown by the second facial image 80 are the same.
In the present embodiment, after the collation process in the membership application process, a visual confirmation is performed by the person in charge of the card company. If it is determined by the visual confirmation of the person in charge that they are the same person, it is determined that the enrollment procedure is completed. On the other hand, if it is not determined by the visual confirmation of the person in charge that they are the same person, it is determined that the enrollment procedure is not completed.
Depending on the accuracy of the collation by the collation server 60, even if the collation by the collation server 60 determines that the same person exists, the person in charge may visually confirm that the person is not the same person. On the other hand, even if it is determined that the person is not the same person by the collation by the collation server 60, it may be determined that the person is the same person by the visual confirmation by the person in charge. In this way, the person in charge can visually check the collation to supplement the accuracy of the collation by the collation server 60.
If the person in charge does not visually confirm the person, it may be determined that the enrollment procedure is completed when it is determined by the collation process by the collation server 60 that the person is the same person.

In the activation procedure step, collation is performed using the second facial image 80 and the third facial image 90. The third facial image 90 is an image of the recipient's third facial image 91. The third facial image 90 is an image taken by the recipient using the recipient terminal 20 during the activation procedure.
In the activation procedure step, for example, the second appearance image 80 and the third appearance image 90 are collated. In the collation, specifically, the second appearance 81 of the applicant shown by the second appearance image 80 and the third appearance 91 of the recipient shown by the third appearance image 90 are compared with each other. It is determined whether or not the person shown by the facial image 80 of 2 and the person shown by the third facial image 90 are the same.
If it is determined in the collation process in the activation procedure step that the person shown by the second appearance image 80 and the person shown by the third appearance image 90 are the same person, it is determined to execute the activation of the credit card. ..

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

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

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

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

(3) Imaging unit 13
The image pickup unit 13 is a camera. The image pickup unit 13 is, for example, a camera built in the applicant terminal 10. The image pickup unit 13 may write the captured image in the storage unit 14 and store it.
The function of the image pickup unit 13 may be realized by a camera independent of the applicant terminal 10. For example, a digital camera, a Web camera, a video camera, or the like. When the function of the image pickup unit 13 is a camera independent of the applicant terminal 10, the applicant outputs the image captured by the camera to the applicant terminal 10 by using wired communication, wireless communication, a storage medium, or the like. do.

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

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

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

<2-2. Recipient terminal function configuration>
With reference to FIG. 4, the functional configuration of the recipient terminal 20 according to the embodiment of the present invention will be described. FIG. 4 is a block diagram showing an example of the functional configuration of the recipient terminal 20 according to the embodiment of the present invention.
As shown in FIG. 4, the recipient terminal 20 according to the present embodiment includes a communication unit 21, an input unit 22, an imaging unit 23, a storage unit 24, a control unit 25, and a display unit 26.

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

(2) Input unit 22
The input unit 22 has a function of accepting input by the recipient. The input unit 22 outputs the received input to the control unit 25. The input unit 22 is realized by, for example, a device such as a touch panel, a keyboard, a mouse, and a microphone provided as hardware in the recipient terminal 20.
The recipient operates, for example, the input unit 22 to perform the activation procedure. Specifically, the recipient accesses the site (Web page) for the activation procedure of the credit card issued by operating the input unit 22, and inputs the information necessary for the activation procedure at the site. The site for the activation procedure is, that is, the site for the collation process in the activation procedure process.

(3) Imaging unit 23
The image pickup unit 23 is a camera. The image pickup unit 23 is, for example, a camera built in the recipient terminal 20. The image pickup unit 23 may write the captured image in the storage unit 24 and store it.
The function of the image pickup unit 23 may be realized by a camera independent of the recipient terminal 20. For example, a digital camera, a Web camera, a video camera, or the like. When the function of the image pickup unit 23 is a camera independent of the recipient terminal 20, the recipient outputs the image captured by the camera to the recipient terminal 20 by using wired communication, wireless communication, a storage medium, or the like. do.

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

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

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

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

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

(2) Input unit 32
The input unit 32 has a function of accepting input by a person in charge. The input unit 32 outputs the received input to the control unit 34. The input unit 32 is realized by, for example, a device such as a touch panel, a keyboard, a mouse, and a microphone provided as hardware in the card company terminal 30.
The person in charge operates, for example, the input unit 32 to visually confirm the applicant, perform the enrollment procedure, and perform the activation procedure. Specifically, the person in charge operates the input unit 32 to access the site for visual confirmation (Web page), and the person shown by the first facial image 72 and the second facial image 80 show on the site. Visually check if the person is the same. In addition, the person in charge operates the input unit 32 to access the card management system 40 and acquires information necessary for executing the enrollment procedure and the activation procedure.

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

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

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

(4-2) Application verification information acquisition unit 342
The application collation information acquisition unit 342 has a function of acquiring information related to the collation process in the membership application process. When the person in charge accesses the site for visual confirmation, the application verification information acquisition unit 342 acquires the identity verification document image 70 and the second appearance image 80 of the applicant to be visually confirmed. The application collation information acquisition unit 342 causes the display unit 35 to display each acquired image. As a result, the person in charge can visually confirm the applicant.
When acquiring information related to the collation process, the application collation information acquisition unit 342 may also acquire the result of the collation process by the collation server 60 in the membership application process and display it on the display unit 35. The application collation information acquisition unit 342 may write and store the acquired information regarding the collation process in the membership application process in the storage unit 33.

(4-3) Procedure Processing Department 343
The procedure processing unit 343 has a function of executing the membership procedure. For example, the procedure processing unit 343 executes the enrollment procedure when it is determined by the visual confirmation of the person in charge that the person shown by the first facial image 72 and the person shown by the second facial image 80 are the same person. , Complete the enrollment procedure.
After the enrollment procedure is completed, the procedure processing unit 343 sends an e-mail notifying that the enrollment procedure is completed from the communication unit 31 to the applicant terminal 10. In addition, after the enrollment procedure is completed, the procedure processing unit 343 also executes a process for issuing the credit card in an unactivated state and sending it to the applicant.

(4-4) Activation collation result acquisition unit 344
The activation collation result acquisition unit 344 has a function of acquiring the collation result of the collation process in the activation procedure process. The activation collation result acquisition unit 344 accesses the collation server 60, acquires the result of the collation process in the activation procedure process, and displays it on the display unit 35.
As a result, the person in charge can confirm the collation result of the collation process in the activation procedure process and decide whether or not to activate the credit card. The activation collation result acquisition unit 344 may write and store the collation result of the collation process in the acquired activation procedure process in the storage unit 33.

(4-5) Activation processing unit 345
The activation processing unit 345 has a function of executing credit card activation. The activation processing unit 345 executes the credit card activation processing when the person in charge decides to execute the credit card activation, that is, when the applicant and the recipient are the same.
After the activation processing is completed, the activation processing unit 345 sends an e-mail notifying that the activation processing is completed from the communication unit 31 to the recipient terminal 20.

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

<2-4. Function configuration of application reception server>
With reference to FIG. 6, the functional configuration of the application reception server 50 according to the embodiment of the present invention will be described. FIG. 6 is a block diagram showing an example of the functional configuration of the application reception server 50 according to the embodiment of the present invention.
As shown in FIG. 6, the application reception server 50 according to the present embodiment includes a communication unit 51, a storage unit 52, and a control unit 53.

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

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

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

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

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

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

(3-4) Data linkage unit 534
The data linkage unit 534 has a function of linking data related to acceptance of membership applications. For example, the data linkage unit 534 transmits the input information acquired by the input information acquisition unit 532 from the communication unit 51 to the card company terminal 30 as reception information when the membership application is accepted by the reception processing unit 533.
When the data linkage unit 534 receives the reception information acquisition request from the card company terminal 30, the data linkage unit 534 transmits the input information acquired by the input information acquisition unit 532 from the communication unit 51 to the card company terminal 30 as reception information. You may.

Further, the data linkage unit 534 transmits the reception number issued by the reception processing unit 533 from the communication unit 51 to the collation server 60. The data linkage unit 534 may transmit the input information corresponding to the reception number to the collation server 60 together with the reception number.

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

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

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

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

(3-1) Site display unit 631
The site display unit 631 has a function for displaying various sites. For example, when the site display unit 631 is requested to access the site for collation processing in the membership application process from the applicant terminal 10, the site display unit 631 displays the site for collation processing in the membership application process on the applicant terminal 10.
Further, when the recipient terminal 20 requests access to the credit card activation procedure site (that is, the verification processing site in the activation procedure process), the site display unit 631 is used for verification processing in the activation procedure process. Site is displayed on the recipient terminal 20.
Further, when the site display unit 631 is requested to access the site for visual confirmation from the card company terminal 30, the site for visual confirmation is displayed on the card company terminal 30.

(3-2) Application information acquisition department 632
The application information acquisition unit 632 has a function of acquiring information necessary for collation processing in the membership application process. In the enrollment procedure, the applicant accesses the site for enrollment application and the site for collation processing in the enrollment application process from the applicant terminal 10, respectively, and performs the enrollment procedure.
When the applicant accesses the site for collation processing in the membership application process, the applicant inputs the reception number notified by the card company as the information necessary for the collation processing.
In addition, as information necessary for the collation process, the applicant has a personal identification document image 70 obtained by photographing the personal identification document 73 of himself / herself (applicant) with the applicant terminal 10 when performing the membership procedure (admission application), and himself / herself. The second appearance image 80 obtained by photographing the second appearance 81 of (applicant) is uploaded to the site for collation processing in the membership application process.

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

(3-3) Application collation unit 633
The application collation unit 633 has a function of performing collation processing in the membership application process. The application collation unit 633 collates the first appearance image 72 and the second appearance image 80, and whether or not the person shown by the first appearance image 72 and the person shown by the second appearance image 80 are the same. Is determined.
The application collation unit 633 uses the reception number, the identity verification document image 70, and the collation result indicating whether or not the person shown by the first facial image 72 and the person shown by the second facial image 80 are the same. It is written and stored in the storage unit 62 in association with the second facial image 80.

(3-4) Application Processing Department 634
The application processing unit 634 has a function of processing the membership application by the applicant. For example, when the person shown by the first facial image 72 and the person shown by the second facial image 80 are the same, the application processing unit 634 can complete the procedure for applying for membership. On the other hand, if the person shown by the first appearance image 72 and the person shown by the second appearance image 80 are not the same, the application processing unit 634 makes it impossible to complete the procedure for applying for membership.
In this way, if the identity of the applicant cannot be confirmed in the membership application process, it is possible to prevent the issuance of a credit card for an unauthorized application by preventing subsequent procedures from being performed.

(3-5) Activation information acquisition unit 635
The activation information acquisition unit 635 has a function of acquiring information necessary for the collation process in the activation procedure process. The recipient accesses the site for credit card activation procedure from the recipient terminal 20 and performs the activation procedure.
In the activation procedure, the recipient inputs the reception number notified by the card company as information in the verification process in the activation procedure process. The receipt number entered by the recipient is an example of the second identification information in the claim.
Further, as the information necessary for the collation process in the activation procedure process, the recipient captures the third appearance image 90 of himself / herself (recipient) with the recipient terminal 20 at the time of performing the activation procedure. , Upload to the site for activation procedure.

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

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

(3-7) Activate collation unit 637
The activate collation unit 637 has a function of performing collation processing in the activation procedure process. The activate collation unit 637 collates the second facial image 80 acquired by the storage information acquisition unit 636 with the third facial image 90 acquired by the activate information acquisition unit 635, and the applicant and the recipient are the same. Determine if it exists.

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

The activation collation unit 637 stores the result of the collation process in the activation procedure process in association with the reception number, the identity verification document image 70, the second appearance image 80, and the third appearance image 90. It may be written in a part 62 and stored.

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

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

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

The input information acquisition unit 532 of the application reception server 50 acquires the input information received from the applicant terminal 10 by the communication unit 51 of the application reception server 50. The reception processing unit 533 of the application reception server 50 accepts the membership application corresponding to the acquired input information, and issues a reception number for the membership application (step S103).
After the acceptance of the membership application is completed, the acceptance processing unit 533 transmits the issued reception number from the communication unit 51 to the verification server 60 (step S104).
In addition, the reception processing unit 533 sends an e-mail notifying that the acceptance of the membership application has been completed from the communication unit 51 to the applicant terminal 10 (step S105). In addition, it is assumed that the issued reception number is described in the e-mail.

After receiving the e-mail notifying that the acceptance of the membership application has been completed, if the applicant who confirmed the e-mail has performed an operation to access the site for collation processing in the membership application process, the relevant case is concerned. Access the site (step S106).
The applicant inputs the reception number described in the e-mail according to the instruction displayed on the collation processing site displayed on the display unit 16 of the applicant terminal 10, and uses the applicant terminal 10 to perform various images. Shoot and upload. The applicant terminal 10 captures the identity verification document of the applicant by the operation of the applicant (step S107). Further, the applicant terminal 10 photographs the appearance of the applicant by the operation of the applicant (step S108).
The communication unit 11 of the applicant terminal 10 transmits the reception number input by the applicant, the identity verification document image 70 obtained by shooting, and the second appearance image 80 to the collation server 60 (step S109).

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

The application collation unit 633 confirms the collation result indicating whether or not the person shown by the first facial image 72 and the person shown by the second facial image 80 are the same as the reception number included in the application information and the identity. The document image 70 and the second appearance image 80 are associated with each other and written to and stored in the storage unit 62 (step S111).

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

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

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

After the enrollment procedure is completed, the procedure processing unit 343 sends an e-mail notifying that the enrollment procedure is completed from the communication unit 31 to the applicant terminal 10 (step S115).
In addition, the procedure processing unit 343 also executes a card issuance process for issuing the credit card in a non-activated state and transmitting it to the applicant (step S116).

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

As shown in FIG. 9, first, when the recipient who received the issued credit card performs an operation to access the site for verification processing in the activation procedure process, the recipient terminal 20 accesses the site. (Step S201).
The recipient inputs the reception number of the membership application according to the instruction displayed on the collation processing site displayed on the display unit 26 of the recipient terminal 20, and takes an image using the recipient terminal 20. Upload. The recipient terminal 20 captures the appearance of the recipient by the operation of the recipient (step S202).
The communication unit 21 of the recipient terminal 20 transmits the reception number input by the recipient and the third facial image 90 obtained by photographing to the collation server 60 (step S203).

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

The activate collation unit 637 uses the reception number, the identity verification document image 70, and the collation result indicating whether or not the person shown by the second facial image 80 and the person shown by the third facial image 90 are the same. The second facial image 80 and the third facial image 90 are associated with each other and written to and stored in the storage unit 62 (step S205).

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

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

After the activation processing is completed, the activation processing unit 345 sends an e-mail notifying that the activation processing is completed from the communication unit 31 to the recipient terminal 20 (step S209).

As described above, the card management system 40 according to the embodiment of the present invention includes a storage unit 62, an activation information acquisition unit 635, a storage information acquisition unit 636, and an activation collation unit 637.
The storage unit 62 photographs the identity verification document 73 with the reception number (first identification information) that uniquely identifies the credit card membership application and the first appearance image 72 of the applicant at the time of the membership application. The identity verification document image 70 is stored in association with the second appearance image 80 obtained by photographing the second appearance 81 of the applicant at the time of application for membership.
The activation information acquisition unit 635 photographs the third appearance 91 of the recipient at the time of the activation procedure when the activation procedure of the credit card is performed by the recipient of the credit card issued in the unactivated state. The third facial image 90 and the input reception number (second identification information) are acquired.
The storage information acquisition unit 636 acquires a second facial image 80 associated with the same reception number (first identification information) as the acquired reception number (second identification information) from the storage unit 62.
The activate collation unit 637 collates the acquired second facial image 80 with the third facial image 90, and determines whether or not the applicant and the recipient are the same.

With such a configuration, the card management system 40 according to the embodiment of the present invention uses the image of the applicant taken at the time of application for membership and the image of the recipient taken at the time of the activation procedure, and receives with the applicant. Determine if the persons are the same. As described above, since the card management system 40 makes a determination using an image having a real-time property, it is possible to prevent spoofing by another person using an image taken in the past, a diverted image, or the like.
Therefore, the card management system 40 according to the embodiment of the present invention makes it possible to reduce the risk of misuse of a credit card issued in an unactivated state.

In many cases, the issued credit card is shipped by a method in which registered mail and the like are handled strictly and handed to the person in order to be delivered to the applicant without fail. However, since the postage of registered mail is higher than that of ordinary mail, it is preferable that the card can be shipped by a mailing method such as ordinary mail, which has a low postage, when cost reduction is required.
In the card management system 40 according to the present embodiment, even if the credit card arrives at a person different from the applicant, the person who receives the credit card cannot activate the credit card and cannot use it. Can not. Therefore, the credit card issued by the system using the card management system 40 does not necessarily have to be sent by a method in which registered mail or the like is strictly handled and handed to the person himself / herself, and may be sent by ordinary mail. As a result, the cost of shipping the credit card can be reduced.
From the above, the credit card company can provide an inexpensive and highly secure credit card issuing service.

<< 4. Modification example >>
The embodiment of the present invention has been described above. Subsequently, a modified example of the embodiment of the present invention will be described. In addition, each modification described below may be applied to the embodiment of the present invention alone, or may be applied to the embodiment of the present invention in combination. Further, each modification may be applied in place of the configuration described in the embodiment of the present invention, or may be additionally applied to the configuration described in the embodiment of the present invention.

In the above-described embodiment, an example in which the storage unit 62 stores the collation result by the application collation unit 633 as the collation result in the collation process in the membership application process has been described, but the present invention is not limited to this example. For example, the storage unit 62 displays the result of collating the first facial image 72 and the second facial image 80 by the person in charge of the card company by visual confirmation in the collation process in the membership application process with the reception number and the person himself / herself. The confirmation document image 70 and the second appearance image 80 may be stored in association with each other. That is, the storage unit 62 confirms the collation result between the first facial image 72 and the second facial image 80 with the reception number and the person, regardless of whether the application collation unit 633 or the person in charge performs the collation process. The document image 70 and the second facial image 80 are stored in association with each other. The storage unit 62 may store both the collation result by the application collation unit 633 and the collation result by the person in charge in association with the reception number, the identity verification document image 70, and the second appearance image 80. ..

In the above-described embodiment, an example in which the second appearance image 80 and the third appearance image 90 are collated in the collation process in the activation procedure step has been described, but the present invention is not limited to such an example. For example, in the collation process in the activation procedure process, collation may be performed using the recipient's identity verification information as well.
Specifically, at the time of the activation procedure, the recipient is made to enter the recipient's identity verification information on the site for the activation procedure. The activation information acquisition unit 635 further acquires the recipient's identity verification information input during the activation procedure. The storage information acquisition unit 636 further acquires the identity verification document image 70 from the storage unit 62 when acquiring the second appearance image 80. The activate verification unit 637 further collates the acquired identity verification information with the identity verification information described in the identity verification document 73 shown by the acquired identity verification document image 70, and the applicant and the recipient are the same. Judge whether or not.
By combining the collation using the identity verification information and the collation using the second appearance image 80 and the third appearance image 90 in this way, the accuracy of the identity verification of the recipient is improved and the security is also improved. be able to.

Further, in the collation process in the activation procedure process, not only the collation for confirming the identity of the recipient but also the collation for detecting an abnormality in the activation procedure may be performed. An abnormality in the activation procedure is, for example, an illegal activation procedure being performed. Collation for detecting an abnormality in the activation procedure is performed using, for example, location information.
Specifically, the activation information acquisition unit 635 further acquires position information indicating the position where the third facial image 90 is captured. The position information is, for example, acquired by GPS (Global Positioning System) or the like at the time of shooting the third facial image 90. The storage information acquisition unit 636 further acquires the identity verification document image 70 from the storage unit 62 when acquiring the second appearance image 80.

The activation collation unit 637 is an unauthorized activation procedure based on the comparison result between the location information described in the identity verification document 73 shown by the acquired identity verification document image 70 and the location information acquired by the activation information acquisition unit 635. Detects (abnormality). The location information described in the identity verification document 73 is, for example, a word including a country name, a prefecture name, an address, and a place name (for example, the word "Tokyo Metropolitan Public Safety Commission" described in a driver's license).
If both the location information described in the identity verification document 73 and the location information acquired by the activation information acquisition unit 635 are included in the predetermined range, the activation verification unit 637 detects that the activation procedure has been performed normally. (Ie, the applicant and the recipient are considered to be the same). On the other hand, if either the location information described in the identity verification document 73 or the location information acquired by the activation information acquisition unit 635 is not included in the predetermined range, the activation verification unit 637 illegally performs the activation procedure. Detect (ie, consider that the applicant and the recipient are not the same).
The activation collation unit 637 may detect an illegal activation procedure depending on whether or not the location information matches.

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

Further, the collation for detecting an abnormality in the activation procedure may be performed using a time stamp.
Specifically, the activation information acquisition unit 635 has a first time stamp indicating the date and time when the third facial image 90 was acquired, and a second time stamp indicating the date and time when the third facial image 90 was captured by the recipient terminal 20. Get more time stamps. The activation collation unit 637 detects an illegal activation procedure (abnormality) based on the difference between the date and time indicated by the first time stamp and the date and time indicated by the second time stamp. For example, the activation collation unit 637 detects that the activation procedure is normally performed when the difference is within a predetermined range (that is, it is considered that the applicant and the recipient are the same). On the other hand, the activation collation unit 637 detects that the activation procedure is performed illegally when the difference is not within the predetermined range (that is, it is considered that the applicant and the recipient are not the same). The predetermined range is set so that, for example, when the third facial image 90 is not an image taken during the activation procedure, it is detected that the activation procedure is performed illegally.
By combining the verification for confirming the identity of the recipient and the verification for detecting an abnormality using the time stamp in the activation procedure in this way, the security can be improved. In addition, the collation using the above-mentioned identity verification information and the collation using the location information may be further combined.

In the above-described embodiment, an example has been described in which a person in charge of a card company visually confirms whether or not the person shown by the first facial image 72 and the person shown by the second facial image 80 are the same. , Not limited to such examples. For example, the person in charge may determine whether or not each person is the same based on the degree of similarity between the person shown by the first facial image 72 and the person shown by the second facial image 80. The similarity is calculated by the application collation unit 633, for example, when the application collation unit 633 collates the first appearance image 72 with the second appearance image 80.
The person in charge can easily make a judgment or improve the accuracy of the judgment by making a visual judgment with reference to the degree of similarity.

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

The embodiment of the present invention has been described above. It should be noted that even if a part or all of the configurations included in each of the applicant terminal 10, the recipient terminal 20, the card company terminal 30, the application reception server 50, and the collation server 60 in the above-described embodiment is realized by a computer. good. Further, when the functions provided by each of the application reception server 50 and the collation server 60 are realized by one server device, a part or all of the configuration provided by the server device (that is, the card management system 40) is realized by a computer. You may do it. In that case, a program for realizing this function may be recorded on a computer-readable recording medium, and the program recorded on the recording medium may be read by a computer system and executed. The term "computer system" as used herein includes hardware such as an OS and peripheral devices. Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, and a storage device such as a hard disk built in a computer system. Further, a "computer-readable recording medium" is a communication line for transmitting a program via a network such as the Internet or a communication line such as a telephone line, and dynamically holds the program for a short period of time. It may also include a program that holds a program for a certain period of time, such as a volatile memory inside a computer system that is a server or a client in that case. Further, the above program may be for realizing a part of the above-mentioned functions, and may be further realized for realizing the above-mentioned functions in combination with a program already recorded in the computer system. It may be realized by using a programmable logic device such as FPGA (Field Programmable Gate Array).

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

1 ... Card issuing system, 10 ... Applicant terminal, 11,21,31,51,61 ... Communication unit, 12,22,32 ... Input unit, 13,23 ... Imaging unit, 14,24,33,52,62 ... Storage unit, 15,25,34,53,63 ... Control unit, 16,26,35 ... Display unit, 20 ... Recipient terminal, 30 ... Card company terminal, 40 ... Card management system, 50 ... Application reception server, 60 ... verification server, 70 ... identity verification document image, 72 ... first facial image, 80 ... second facial image, 90 ... third facial image, 341 ... reception information acquisition department, 342 ... application verification information acquisition department 343 ... Procedure processing unit, 344 ... Activation collation result acquisition unit, 345 ... Activation processing unit, 513,631 ... Site display unit, 532 ... Input information acquisition unit, 533 ... Reception processing unit, 534 ... Data linkage unit, 632 ... Application information acquisition department, 633 ... Application collation department, 634 ... Application processing department, 635 ... Activation information acquisition department, 636 ... Storage information acquisition department, 637 ... Activation collation department, NW ... Network

Claims (11)

The first identification information that uniquely identifies the card issuance application for the service that is issued when the card is not activated and is sent to the applicant, and the first that shows the appearance of the applicant at the time of the card issuance application. A storage unit that stores the image of the identity verification document with the appearance image of 1 attached to the identity verification document image and the second appearance image of the applicant's appearance taken at the time of the card issuance application in association with each other.
By collating the first facial image with the second facial image in the card issuance application, it is determined that the person shown by the first facial image and the person shown by the second facial image are the same. In such a case, the card is issued in a non-activated state and sent to the applicant, and the activation procedure for making the card activated by the recipient of the sent card is performed. In addition, an activation information acquisition unit that acquires a third appearance image of the recipient's appearance during the activation procedure and the input second identification information.
A storage information acquisition unit that acquires the second facial image associated with the first identification information that is the same as the acquired second identification information from the storage unit.
An activation collation unit that collates the acquired second facial image with the third facial image and determines whether or not the applicant and the recipient are the same.
When it is determined in the activation procedure that the applicant and the recipient are the same by collating the second appearance image with the third appearance image, the card received by the recipient is activated. The activation processing unit to put it in the state of
A card management system equipped with. A communication unit that transmits the result of determination by the activation collation unit to a terminal that executes the activation when the applicant and the recipient are the same.
The card management system according to claim 1, further comprising. The activation information acquisition unit further acquires the identity verification information of the recipient input during the activation procedure, and further acquires the identity verification information of the recipient.
The storage information acquisition unit further acquires the identity verification document image from the storage unit when acquiring the second facial image.
The activation collation unit further collates the acquired identity verification information with the identity verification information described in the identity verification document indicated by the acquired identity verification document image, and the applicant and the recipient are the same. Judging whether or not it is,
The card management system according to claim 1 or 2. The activation information acquisition unit further acquires position information indicating the position where the third facial image is captured.
The storage information acquisition unit further acquires the identity verification document image from the storage unit when acquiring the second facial image.
The activation collation unit has an abnormality in the activation procedure based on a comparison result between the location information described in the identity verification document shown by the acquired identity verification document image and the location information acquired by the activation information acquisition unit. Detect,
The card management system according to any one of claims 1 to 3. The activation collation unit is based on the distance from the position indicated by the position information described in the identity verification document indicated by the acquired identity verification document image to the position indicated by the location information acquired by the activation information acquisition unit. Detecting an abnormality in the activation procedure,
The card management system according to claim 4. The activation information acquisition unit further acquires a first time stamp indicating the date and time when the third facial image was acquired and a second time stamp indicating the date and time when the third facial image was captured.
The activation collating unit detects an abnormality in the activation procedure based on the difference between the date and time indicated by the first time stamp and the date and time indicated by the second time stamp.
The card management system according to any one of claims 1 to 5. The application information acquisition unit that acquires the first identification information, the identity verification document image, and the second appearance image when the card issuance application procedure is performed by the applicant.
Further prepare
The storage unit uses the first identification information and the person to check the collation result between the first facial image and the second facial image attached to the personal identification document shown by the acquired personal identification document image. The confirmation document image and the second facial image are stored in association with each other.
The card management system according to any one of claims 1 to 6. An application collation that collates the first facial image with the second facial image and determines whether or not the person shown by the first facial image and the person shown by the second facial image are the same. Department,
Further prepare
The storage unit stores the collation result by the application collation unit in association with the first identification information, the identity verification document image, and the second appearance image.
The card management system according to claim 7. When the person shown by the first facial image and the person shown by the second facial image are the same, the application processing unit that enables the completion of the card issuance application procedure.
The card management system according to any one of claims 1 to 8, further comprising. The storage unit uniquely identifies the card issuance application for the service issued to the applicant when the card is not activated, and the first identification information of the applicant at the time of the card issuance application. The identity verification document image in which the first appearance image showing the appearance is attached and the second appearance image in which the appearance of the applicant is photographed at the time of applying for the card issuance are stored in association with each other. The memory process and
When the activation information acquisition unit collates the first facial image with the second facial image in the card issuance application, the person indicated by the first facial image and the person indicated by the second facial image are determined. If it is determined that they are the same, the card is issued in a non-activated state and sent to the applicant, and activation for making the card activated by the recipient of the sent card. When the procedure is performed, the activation information acquisition process for acquiring the third facial image of the recipient in the activation procedure and the input second identification information, and the activation information acquisition process.
A storage information acquisition process in which the storage information acquisition unit acquires the second facial image associated with the first identification information, which is the same as the acquired second identification information, from the storage unit.
An activation collation process in which the activation collation unit collates the acquired second facial image with the third facial image and determines whether or not the applicant and the recipient are the same.
When the activation processing unit determines in the activation procedure that the applicant and the recipient are the same by collating the second facial image with the third facial image, the recipient receives the image. The activation process to make the card activated, and
Card management methods including. Computer,
The first identification information that uniquely identifies the card issuance application for the service that is issued when the card is not activated and is sent to the applicant, and the first that shows the appearance of the applicant at the time of the card issuance application. A memory in which the personal identification document image obtained by photographing the personal identification document attached with the facial image of 1 and the second facial image obtained by photographing the applicant's facial appearance at the time of applying for the card issuance are associated and stored in the storage unit. Means and
By collating the first facial image with the second facial image in the card issuance application, it is determined that the person shown by the first facial image and the person shown by the second facial image are the same. In such a case, the card is issued in a non-activated state and sent to the applicant, and the activation procedure for making the card activated by the recipient of the sent card is performed. In addition, an activation information acquisition means for acquiring a third appearance image obtained by photographing the appearance of the recipient during the activation procedure and the input second identification information.
A storage information acquisition means for acquiring the second facial image associated with the first identification information, which is the same as the acquired second identification information, from the storage unit.
An activation collation means for collating the acquired second facial image with the third facial image and determining whether or not the applicant and the recipient are the same.
When it is determined in the activation procedure that the applicant and the recipient are the same by collating the second appearance image with the third appearance image, the card received by the recipient is activated. The activation processing method to make it in the state of
A program to function as.

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