JP2012234237A - Counter service processing system - Google Patents

Abstract

[PROBLEMS] To capture a face photo of a user who has applied at a reception terminal such as an ATM, and to confirm the identity of the user by displaying the face photo on the window terminal when handing over the application result at the window. However, in order to use this technology, the reception terminal must be equipped with a photographing function such as a camera, and a face photograph must be displayed at the window terminal. In addition, face photos are used without the user's consent.
A method of confirming a user's face photograph is switched according to information on a reception terminal, information on a window terminal, and user consent information. A facial photograph is registered when user information is registered, and this is used when the reception terminal does not have a camera. If the face photo cannot be displayed, the user's face photo is printed and used as a refusal to hand over to the user after application. In addition, by confirming the user's consent at the time of user registration, the use of face photos that do not match the user's will is prevented.
[Selection] Figure 1

Description

  The subject matter disclosed in the present specification relates to a method for coordinating identification information at a plurality of windows of a window business processing system.

  When requesting paperwork from a financial institution or the like, a technique is known that allows a user to make a prior application for paperwork at a reception terminal such as an ATM in order to reduce the burden on a window staff. (For example, Patent Document 1) On the other hand, in order to receive the result of the paperwork at the window, the user must present the identity verification information at the window and indicate that the person has performed the application operation at the reception terminal. However, the effort has increased.

  As a technology to solve this point, take a photo of the user's face at the reception terminal and hand over the copy with the receipt number printed to the user. When input is made to the counter terminal, the user's face photograph taken at the reception terminal is displayed on the counter terminal, and the counter staff operates the reception terminal without asking the user to present identification information by checking the face photograph. A technique for confirming that the user is a user is known (for example, Patent Document 2).

JP 11-250148 A (summary) JP 2004-240600 A (summary)

  When using the technique described in Patent Document 2, an environment in which a user's face photo can be taken at the reception terminal, and a photo taken at the reception terminal can be stored in a server or the like, and then the face photo can be referenced at the window. And must be compatible.

  In addition, there is a problem for the user that face information is used regardless of the intention of the user.

  What is disclosed is a window processing system that receives the results of paperwork that the user applied for at the reception terminal from the staff operating the window terminal. This is a window business processing system that can easily confirm the identity of a user even when it cannot be displayed, and can prevent face information from being used without consent for the user.

  The disclosed window service system has a user face stored in the pre-registered image storage function when the reception terminal has no photographing means such as a camera and the user's face photograph (user image) cannot be acquired. Enables confirmation of users at the photo window.

  In addition, if the face photograph taken at the reception terminal cannot be displayed at the window terminal, a copy of the user's face photograph is issued by a printing means such as a printer, and the user's face is confirmed by checking this at the window. Confirm.

  In addition, the user's consent information is confirmed for holding a face photo, displaying a face photo, and printing a face photo.

More specifically, the above window business processing system
A reception terminal operated by a user, a window terminal operated by a window staff, a reception management terminal, and an identity verification information linkage server,
The identity verification information linkage database includes pre-registered pre-registered images for each user, consent information indicating whether or not to accept new photographing at the receiving terminal, and each receiving terminal includes a photographing unit. And whether or not
Based on whether or not the reception terminal is equipped with photographing means and whether or not the user agrees to new photographing by the photographing means, the user image used at the window terminal is made a registered user image Or whether to newly shoot with the shooting means of the reception terminal.

  In the window service processing system, when the reception terminal includes a photographing unit and the user agrees to a new photographing, the user image photographed by the photographing unit is displayed on the user terminal at the window terminal. It is used for confirmation.

  The above-mentioned window business processing system further has a user image pre-registered in the identity verification information cooperation server when the reception terminal does not have a photographing unit or the user does not agree to a new photographing. Is used for confirmation of the user at the window terminal.

The above-mentioned window business processing system also manages whether the identity verification information linkage database further agrees to display the user image on the window terminal as the consent information for each user,
In addition, it manages whether the window terminal can display user images,
When the reception terminal is equipped with photographing means and the user agrees to new photographing by the photographing means, the user image can be displayed at the window terminal and the user agrees to display In this case, a newly captured user image is displayed on the window terminal for user confirmation.

  The above-mentioned window business processing system also prints the user image on a copy issued by the reception terminal when the user image cannot be displayed at the window terminal or when the user does not agree to the display. And

  According to the disclosure, even when the reception terminal does not have a camera or the face picture cannot be displayed at the window terminal, the user can be easily verified. Further, it is possible to prevent the user from using face information without consent.

It is a figure which illustrates the whole information processing system composition. FIG. 3 is a block diagram illustrating a functional configuration of a principal confirmation information linkage server 5. It is an example of the data preserve | saved in the cooperation information preservation | save function 52 which concerns on embodiment. It is an example of the data preserve | saved at the consent information preservation | save function 53 which concerns on embodiment. It is a flowchart which illustrates operation | movement at the time of user registration of embodiment. It is a flowchart which illustrates the operation | movement at the time of reception in the case of taking a user's face photograph with the window terminal 1 of embodiment. It is an example of a copy handed over to a user when displaying a user's face photograph at the window terminal 2 according to the embodiment. It is an example of a copy handed over to a user when not displaying the user's face photograph at the window terminal 2 according to the embodiment. It is a flowchart which illustrates the operation | movement at the time of reception when not taking a user's face photograph with the window terminal 1 of embodiment. It is a flowchart which illustrates operation | movement when notifying a user of completion of a process of embodiment. It is a flowchart which illustrates the operation | movement at the time of identity verification in the case of displaying a user's face photograph in the reception terminal 2 of embodiment. It is a flowchart which illustrates the operation | movement at the time of identity verification when not displaying a user's face photograph in the reception terminal 2 of embodiment.

  Hereinafter, embodiments will be described with reference to the drawings. In addition, this invention is not limited by embodiment described below.

  FIG. 1 is a diagram illustrating a system configuration of the embodiment.

  This system includes a reception terminal 1, a window terminal 2, a reception management terminal 3, a customer database 4, and an identity verification information linkage server 5, which are connected to be communicable via a line such as a LAN.

  The reception terminal 1 is operated by a customer (hereinafter also referred to as a user) visiting a branch office such as a financial institution. The display unit is a display unit using a display, an operation unit using a touch panel, a photographing unit using a camera, a printer, or the like. It includes a printing department, etc., and one or more units are installed in the lobby of a sales office. The reception terminal 1 may be realized by a dedicated terminal, or may be realized by coexisting with other functions by ATM or the like.

  The window terminal 2 is operated by a window staff who works face-to-face with the customer, and includes an input unit such as a keyboard and a mouse, a display unit such as a display, and a control unit that controls these. One or more units are installed at the counter.

  The reception management terminal 3 includes a storage unit such as a hard disk drive, a control unit, and the like, and is arranged behind the window.

  The customer database 4 is a host computer such as a financial institution and is arranged at a place where communication is possible from all stores such as a data center. It has a customer database in which customer information such as customer address, name, telephone number, store number, account number, transaction history, account balance, etc. is registered. In this embodiment, this customer database is stored in the customer database. Also used to save contact email addresses.

  The identity verification information cooperation server 5 includes a storage unit such as a hard disk drive, a control device, and the like, and is arranged at a place where communication is possible from all stores, such as a data center.

  Each device shown in FIG. 1 can be realized on an information processing device including a processor and a storage device. Each processing content of each device described below is realized by executing a program stored in a storage device by a processor in each device.

  FIG. 2 is a block diagram illustrating a functional configuration of the identity verification information cooperation server 5.

  The principal confirmation information cooperation server 5 includes a principal confirmation information storage function 51, a cooperation information storage function 52, a consent information storage function 53, and a cooperation method determination function 54.

  The identity verification information storage function 51 holds a customer's face photograph (hereinafter also referred to as a user image) as information that can be visually confirmed. The identity verification information storage function 51 includes a pre-registered image storage function 511 and a camera image storage function 512. The pre-registered image storage function 511 holds a customer's face photo and the like registered before a transaction using this system occurs. The camera image storage function 512 holds a customer's face photograph taken with the camera of the reception terminal 1 when a transaction using this system occurs.

  The cooperation information storage function 52 holds the respective states of each reception terminal 1 and each window terminal 2.

  FIG. 3 shows an example of data stored in the cooperation information storage function 52. Information on the reception terminal 1 and the window terminal 2 is stored by being distinguished by the terminal ID. As for the terminal corresponding to the receiving terminal 1, information on the presence / absence of a camera and information on whether or not to allow face photo printing are stored. With regard to a terminal corresponding to the reception terminal 2, information on whether or not to display a face photograph is stored.

  The consent information storage function 53 holds consent information as to whether the customer agrees to use the face photo, agrees to display the face photo, or agrees to print the face photo.

  FIG. 4 shows an example of data stored in the consent information storage function 53. Customer ID, customer name, whether or not a face photograph can be taken with the camera attached to the reception terminal 1, whether or not an image stored in the pre-registered image storage function 511 can be used, and a face photograph displayed on the window terminal 2 Consent information indicating whether or not printing of a face photo by a printer attached to the reception terminal 1 is stored as an entry for each customer by customer pre-registration.

  The linkage method determination function 54 responds to an inquiry from the outside by using the agreement information of the linkage information storage function 52 and the agreement information storage function 53 to determine how to link the customer's face photo. In response to the inquiry from the user, a response of the face photograph held in the identification information storage function 51 is performed.

  Next, a method for using the system configured as described above will be described.

  FIG. 5 is an example of a flowchart at the time of user registration using the system.

  The user applies for user registration at the window (step 500).

  The window staff who has received the application for user registration performs confirmation of identity verification information, such as confirmation of a license (step 501). Next, the window staff obtains information such as the user's address, name, contact information, etc., the user's face photo, and obtains consent information for using the service (step 502).

  Here, when the user's face photo is acquired, the camera may be taken on the spot terminal if a camera is provided on the window terminal, or the photo submitted by the user may be used. Next, the information acquired in step 502 (referred to as user information) is input to the window terminal 2, and the window terminal 2 transmits the input user information to the customer database 4 (step 503).

  Upon receiving the user information (step 504), the customer database 4 registers information such as the user's name, address, and contact information in the database (step 505).

  When it is confirmed that the customer database 4 has registered the user information, the window terminal 2 transmits the user information acquired in step 502 to the identity verification information cooperation server 5 (step 506).

  Upon receipt of the user information (step 507), the identity verification information cooperation server 5 stores a photograph included in the user information as a user image together with the user's name (step 508). Next, the consent information included in the user information is stored in the consent information storage function 53 together with the user's name (step 509).

  It should be noted that steps 500 to 509 are also performed when the user information is changed based on the user's offer, such as updating the user's face photo stored in the identity verification information cooperation server 5 or changing the consent information. Perform the action.

  FIG. 6 is an example of a flowchart at the time of reception using the system when the reception terminal 1 is equipped with a camera and the user's consent has been obtained for shooting with the camera.

  The user uses the reception terminal 1 to input the name, address, application content, selection of which store to receive the result of the paperwork applied at the store (step 600).

  The reception terminal 1 obtains input from the user, generates reception information by adding the identification number of its own store and the identification number of the reception store selected by the user, and transmits the reception information to the reception management terminal 3 (Step 601).

  When the reception management terminal 3 receives the reception information, a reception number is assigned to the reception information and stored (step 602). Next, the reception information is transmitted to the identity verification information cooperation server 5 (step 603).

  When the identity verification information cooperation server 5 receives the reception information (step 604), information indicating whether the camera is attached to the reception terminal 1 from the cooperation information storage function 52 using the reception store identification number and the reception store identification number. Then, information on whether or not the face photo can be printed and information on whether or not the face photo of the user can be displayed on the window terminal 2 are acquired (step 605).

  Next, information on whether or not the user has agreed to the service is acquired from the consent information storage function 53 using the user information (step 606). Next, a cooperation method between the reception terminal 1 and the window terminal 2 is determined from the information obtained in Step 605 and Step 606 (Step 607).

  Specifically, first, it is determined whether to use a face photograph taken by the reception terminal 1 as a user's face photograph or to use a face photograph stored in the pre-registered image storage function 511.

  If the reception terminal 1 is equipped with a camera from the information obtained in step 605 and it is confirmed from the information obtained in step 606 that the user agrees to take a face photo The user's face is photographed with a camera provided in the terminal 1, and it is determined that the acquired face photograph is used in the subsequent processing.

  If the reception terminal 1 is not equipped with a camera from the information obtained in step 605 or if it cannot be confirmed that the user agrees to take a face photo, the user is obtained from the information obtained in step 606. Confirms that he / she agrees to use the face photo stored in the pre-registered image storage function 511. If the user's consent has been confirmed, it is determined that the user's face photo stored in the pre-registered image storage function 511 is to be used in the subsequent processing.

  If the user's consent regarding the use of the face photograph stored in the pre-registered image storage function 511 cannot be confirmed, the user is requested to present an identification document at the window without using this system.

  Next, it is determined whether the user's face photograph is displayed on the window terminal 2 or printed on a copy handed over to the user.

  If it is possible to display the face photo at the window terminal 2 from the information obtained in step 605 and confirm that the user agrees to display the face photo from the information obtained in step 606 Then, it is decided to display the user's face photo at the window terminal 2.

  If it is not possible to display the face photo at the window terminal 2 from the information obtained in step 605, or if it is not possible to confirm that the user agrees to display the face photo from the information obtained in step 606, step 605 is performed. It is confirmed from the information obtained in step 606 that the reception terminal 1 can print a face photo and that the user agrees to print the face photo from the information obtained in step 606. If the reception terminal 1 can print a face photo and the user's consent is received at each hospital, the reception terminal 1 decides to print the face photo to be handed over to the user.

  When the face photo cannot be printed at the reception terminal 1 or the user's consent cannot be confirmed with respect to the face photo printing, the user is requested to present an identity verification document at the window without using this system.

  As described above, here, it is assumed that a camera is installed in the reception terminal 1 and that the user agrees to take a face photo with the camera attached to the reception terminal 1. Next, the determined cooperation method is transmitted to the reception management terminal 3 (step 608).

  When the reception management terminal 3 receives the cooperation method (step 609), the user agrees that the camera is installed on the reception terminal 1 from the cooperation method and that the user takes a picture of the face using the camera attached to the reception terminal 1. And confirms to the reception terminal 1 which cooperation method is to be adopted, and commands confirmation to the user (step 610).

  When the reception terminal 1 receives the notification of the cooperation method and the confirmation instruction to the user (step 611), the information used for the application to the user and the form for linking the personal confirmation information and the application are required. Then, the expected time and the photographing of the user's face photo are displayed, and the user is confirmed (step 612).

  If the user cancels here, the process returns to step 600. If the user agrees, a face picture of the user who is operating the reception terminal 1 is taken with the attached camera (step 613). Next, the photograph of the photographed user's face is transmitted to the reception management terminal 3 (step 614).

  When the reception management terminal 3 receives the user's face photo (step 615), the reception management terminal 3 transmits it to the identity verification information cooperation server 5 together with the user information acquired in step 602 (step 616).

  When the identity verification information linking server 5 receives the user's face photo and the user information (step 617), it is stored in the camera image storage function 612 in association with the user information (step 618).

  When the reception management terminal 3 confirms step 618, it creates copy data to be transferred to the user to the reception terminal 1, and transmits print data to the reception terminal 1 (step 619).

  FIG. 7 shows an example of the print data created in step 619 when it is determined in step 607 that the user's face photo is displayed on the window terminal 2. The print data includes a reception store, a reception store identifier, transaction details, a reception number, a reception store, a reception store identifier, and the like.

  FIG. 8 shows an example of the print data created in step 619 when it is determined in step 607 that the user's facial photograph is to be printed as a copy to be handed over to the user. The print data includes a reception store, a store identifier, transaction details, a reception number, a reception store, a reception store identifier, a user's face photo, and the like.

  When the receiving terminal 1 receives the print data (step 620), it prints with the attached printer and delivers it to the user (step 621).

  FIG. 9 is an example of a flowchart at the time of reception when the reception terminal 1 is not equipped with a camera or when the user's consent is not obtained for shooting with the camera.

  Steps 900 to 907 have the same processing contents as steps 600 to 607 in FIG.

  The user uses the reception terminal 1 to input the name, address, application contents, selection of the store at which the application result is received, etc. (step 900).

  The reception terminal 1 obtains input from the user, generates reception information by adding the identification number of its own store and the identification number of the reception store selected by the user, and transmits the reception information to the reception management terminal 3 (Step 901).

  When the reception management terminal 3 receives the reception information, a reception number is assigned to the reception information and stored (step 902). Next, the reception information is transmitted to the identity verification information cooperation server 5 (step 903).

  When the identity verification information cooperation server 5 receives the reception information (step 904), information indicating whether the camera is attached to the reception terminal 1 from the cooperation information storage function 52 using the reception store identification number and the reception store identification number. Then, information on whether or not the face photo can be printed and information on whether or not the face photo of the user can be displayed on the window terminal 2 are acquired (step 905).

  Next, using the user information, information indicating whether the user has agreed to the service is acquired from the consent information storage function 53 (step 906). Next, the cooperation method between the reception terminal 1 and the window terminal 2 is determined from the information obtained in Step 905 and Step 906 (Step 907).

  As described above, the following description will be made assuming that no camera is installed on the reception terminal 1 or that the user has not agreed to take a face photograph with the camera attached to the reception terminal 1. Next, the determined cooperation method is transmitted to the reception management terminal 3 (step 908).

  When the reception management terminal 3 receives the cooperation method, a camera is not installed in the reception terminal 1 from the cooperation method, or the user does not agree to take a face photo with the camera attached to the reception terminal 1 And confirms that the user agrees to use the pre-registered image, and requests the pre-registered image from the identity verification information cooperation server 5 (step 909). If the user has not agreed to use the pre-registered image, the user will be asked to present identification documents at the window without using this system.

  In response to a request for a pre-registered image, the identity verification information cooperation server 5 acquires a face photograph stored at the time of registration of user information from the pre-registered image storage function 511 and transmits it to the reception management terminal 3 (step 910).

When the reception management terminal 3 receives the face photograph stored in the user's pre-registered image storage function 511 (step 911),
The coordinating method to be adopted is notified to the reception terminal (step 912).

  When the reception terminal 1 receives the notification of the cooperation method (step 913), the information used for the application, the form for performing the cooperation of the identity verification information, and the time required for the application are displayed. Then, the user confirms whether to apply (step 914). If the user cancels here, the process returns to step 900.

  When the reception management terminal 3 confirms that the user has agreed, the reception management terminal 3 creates copy data to be transferred to the reception terminal 1 and transmits the print data to the reception terminal 1 (step 915).

  When the receiving terminal 1 receives the print data (step 916), it prints with the attached printer and delivers it to the user (step 917). An example of print data when the user's face photo is displayed at the window terminal 2 is shown in FIG. 7, and an example of print data when the user's face photo is printed for handing over to the user is shown in FIG.

  In FIG. 10, in step 600 or 900, the user selects that the application result is received outside the store where the reception terminal 1 is installed, and the contact information of the user is registered in the customer database 4. It is an example of the flowchart in a case. When the above conditions are not met, the customer is notified that the application has been completed without using this system, or the customer is not notified that the application has been completed.

  When the receiving terminal 1 completes the process based on the application from the user, it transmits that the process is completed to the reception management terminal 3 (step 1000). The data to be transmitted includes a reception store, a store identifier, transaction details, a reception number, a reception store, a reception store identifier, and the like.

  When the reception management terminal 3 receives the completion of the processing based on the application from the user (step 1001), the reception management terminal 3 acquires which reception information is based on the reception number (step 1002). . Next, the reception information is sent to the customer database 4 (step 1003).

  When the customer database 4 receives the reception information (step 1004), the contact information of the applicant such as an e-mail address is acquired using the applicant information in the reception information (step 1005). Next, the obtained contact information of the applicant is transmitted to the reception management terminal 3 (step 1006).

  When the reception management terminal 3 receives the contact information of the applicant (step 1007), the reception management terminal 3 notifies the acquired contact information that the processing based on the application has been completed (step 1008).

  FIG. 11 is an example of a flowchart at the time of returning the application result when the face picture of the user can be displayed on the window terminal 2.

  When the staff operating the window terminal 2 receives an application result return application from the user who has been contacted in step 1008 (step 1100), the user is requested to submit a copy and confirm the copy (step 1101). . Next, the reception number written in the copy is input to the window terminal 2 and transmitted to the reception management terminal 3 (step 1102).

  When the reception management terminal 3 receives the reception number (step 1103), the reception management terminal 3 acquires the reception information from the reception number and transmits the reception information to the identity verification information cooperation server 5 (step 1104).

  When the identity verification information cooperation server 5 receives the reception information (step 1105), the cooperation method determined at the time of reception is acquired from the reception information (step 1106). Next, it is confirmed that the user's face photo can be displayed at the window terminal 2 from the linkage method and that the user agrees to display the face photo. Is acquired (step 1107).

  Here, when the reception terminal 1 is equipped with a camera and the user's consent has been obtained, the camera image storage function 512 is used to capture images with the camera provided in the reception terminal 1 at the time of reception. Get the user's face photo. If the reception terminal 1 is not equipped with a camera or the user's consent has not been obtained, the user's face photo registered at the time of user registration is acquired from the pre-registered image storage function 511. To do. Next, the acquired face photograph of the user is transmitted to the reception management terminal 3 (step 1108).

  When the reception management terminal 3 receives the user's face photo (step 1109), it transmits the user's face photo to the window terminal 2 (step 1110).

  When the window terminal 2 receives the face picture of the user (step 1111), the face picture of the user is displayed on the display unit of the window terminal (step 1112). The staff who operates the window terminal 2 confirms the identity by comparing the displayed face photograph with the face of the user who submitted the copy.

  FIG. 12 is an example of a flowchart when returning the application result when the user's face photo cannot be displayed between the reception terminal 1 and the window terminal 2 or when the user does not agree to display the face photo. .

  When the staff operating the window terminal 2 accepts an application result return request from the user (step 1200), the user is requested to submit a copy and confirm the copy (step 1201). The staff operating the window terminal 2 confirms the identity by comparing the face photo printed on the submitted copy with the face of the user who submitted the copy.

1: reception terminal 2: window terminal 3: reception management terminal 4: customer database 5: identity confirmation information cooperation server 51: identity confirmation information storage function 511: pre-registered image storage function 512: camera image storage function 52: cooperation information storage function 53: Consent information storage function 54: Cooperation method determination function

Claims (7)

A reception terminal operated by a user, a window terminal operated by a window staff, a reception management terminal, and an identity verification information linkage server. The result of the paperwork applied by the user at the reception terminal is displayed on the window terminal. A window business processing system received from an operating staff member,
The identity verification information linkage database is
A pre-registered image for each user registered in advance, consent information indicating whether or not to agree to a new shooting at the reception terminal, and whether or not each of the reception terminals includes a shooting unit. Manage
Based on whether or not the reception terminal includes a photographing unit and whether or not the user agrees to a new photographing by the photographing unit,
A window business processing system, wherein a user image used at the window terminal is determined to be a registered user image or to be newly photographed by the photographing unit of the reception terminal. The window business processing system according to claim 1,
When the reception terminal includes the photographing unit and the user agrees to the new photographing, the user image photographed by the photographing unit is confirmed by the user at the window terminal. A window business processing system characterized by the use of The window business processing system according to claim 2,
When the reception terminal does not include the photographing unit or the user does not agree to the new photographing, the user image pre-registered in the identity verification information cooperation server is displayed as the window. A window business processing system characterized by being used for confirmation of the user at a terminal. A window business processing system according to any one of claims 1 to 3,
The identity verification information linkage database is
Furthermore, as the consent information for each user, whether or not to agree to the display of the user image on the window terminal is managed,
Furthermore, it is managed whether or not the window terminal can display the user image,
When the reception terminal is provided with a photographing unit and the user agrees to a new photographing by the photographing unit,
If the user image can be displayed at the window terminal and the user agrees to the display, the newly photographed user image is displayed on the window terminal for confirmation of the user. A window business processing system characterized by The window business processing system according to claim 4,
If the user image cannot be displayed on the window terminal or if the user does not agree to the display, the window prints the user image on a copy issued by the reception terminal. Business processing system. The window business processing system according to claim 1,
A plurality of window terminals;
When receiving the user's application, the reception terminal receives a selection as to which window terminal receives the applied paperwork result. The window business processing system according to claim 6,
It has a customer database that manages user information,
The personal identification information linkage server notifies that the requested paperwork has been completed based on the user information registered in the customer database.

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