JP2006330957A - Identification system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for increasing the efficiency of counter work by reducing the time required for counter transactions. <P>SOLUTION: This identification system includes a customer receiving terminal, a customer information server, a counter terminal, and a reception management server. The customer receiving terminal compares registered biometric information received from the customer information server with biometric information obtained from a customer and performs identification. When the biometric information matches the registered biometric information, a reception number is collected and a reception number ticket is issued. A face image of the customer photographed and the customer's reception number are sent to the reception management server and stored in association with each other. During transaction with the customer, the counter terminal receives the face image from the reception management server according to the customer's reception number and displays the face image in a screen. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an identity verification system used when the identity of a customer is confirmed at a window or the like provided at a store of a financial institution.

  In general, identity verification performed at a store in a financial institution is performed by comparing a seal stamped on a customer's passbook with a seal brought by the customer. However, forgery technology is now very well developed, and a third party who obtains another person's passbook may impersonate the customer who is the owner of the passbook and use it to withdraw cash at the counter. In order to prevent such cash from being withdrawn illegally, identity verification using the customer's biometric information is performed.

When such biometric information is used, the conventional identification device reads a transaction card storing fingerprint information brought by the customer with the card reading means, and acquires the fingerprint information directly from the customer's finger by the fingerprint information reading means. The personal identification is performed by comparing the fingerprint information read from the transaction card with the fingerprint information obtained directly from the customer by the fingerprint collation means (see, for example, Patent Document 1).
Japanese Unexamined Patent Publication No. 2000-67290 (paragraph 0019 on page 3, FIG. 1)

However, in the above-described conventional technology, since the fingerprint information read from the transaction card by the fingerprint verification unit is compared with the fingerprint information acquired from the customer, it takes time to compare the fingerprint information by the fingerprint verification unit at the window. For this reason, there is a problem that the time required for dealing with the customer who comes to the counter becomes long and the efficiency of the counter is reduced.
In addition, in the above-described conventional technology, since the identity verification is performed at the window, there is a problem that the burden of cost increases because each person's identification apparatus equipped with a fingerprint collation means is installed at each window. .

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide means for shortening the time required for window transaction and improving business efficiency at the window.

  In order to solve the above-mentioned problems, the present invention provides a customer reception terminal that receives the transaction order of a customer who has visited the store, a customer information server connected to the customer reception terminal, and a transaction with a customer at a window operated by a window clerk. And a reception management server connected to the window terminal and the customer reception terminal, wherein the customer reception terminal includes means for reading medium information from a customer transaction medium, Means for acquiring biometric information indicating the physical characteristics of the customer, means for photographing a face image of the customer, means for reading a customer ID for identifying the customer from the read medium information, and the read customer ID Transmitting means to the customer information server, means for receiving registered biometric information from the customer information server, the received registered biometric information and the acquired biometric information A means for comparing, a means for assigning a receipt number when the comparison results match, and a means for transmitting the photographed face image and the assigned receipt number to the acceptance management server, The customer information server includes means for storing registered biometric information in association with a customer ID, means for receiving a customer ID from the customer reception terminal, and the stored registered biometric based on the received customer ID. Means for retrieving information and extracting registered biometric information related to the corresponding customer ID; and means for transmitting the extracted registered biometric information to the customer reception terminal, wherein the reception management server includes the customer reception terminal Means for receiving the face image and the receipt number from the device, means for storing the received face image and the receipt number in association with each other, means for receiving the receipt number from the window terminal, and the received receipt number Searching for the stored reception number based on the above, means for extracting a face image associated with the corresponding reception number, and means for transmitting the extracted face image to the window terminal, Means for accepting input of a receipt number from a staff member, means for transmitting the accepted receipt number to the acceptance management server, means for receiving a face image from the acceptance management server, and displaying the received face image Means.

  Thereby, the present invention compares the registered biometric information received from the customer information server by the customer reception terminal with the biometric information acquired from the customer to confirm the identity, and accepts when the biometric information and the registered biometric information match. Number is issued and a receipt number tag is issued. The face image of the customer and the customer's receipt number are transmitted to the reception management server and stored in association with each other. Since the window terminal receives the face image from the reception management server based on the customer's reception number and displays the face image on the screen, identity verification using biometric information at the window can be omitted, Customers who have come to the counter can be immediately confirmed as the person who issued the receipt number tag based on the face image displayed by the counter staff, so it is possible to shorten the time required for the counter transaction and improve the business efficiency at the counter. The effect of wear can be obtained.

  Embodiments of an identification system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a personal identification system according to the first embodiment, and FIG. 2 is a block diagram showing a customer reception terminal according to the first embodiment.
In FIG. 1, reference numeral 1 denotes an identity verification system.
Reference numeral 2 denotes a customer information server, which is a host computer, for example, which is installed at the center of a financial institution, and the customer's name and address, telephone number, account number, store number of the store with the account, customer ID, transaction history, account Customer information such as balance and biometric information (hereinafter referred to as registered biometric information) indicating the physical characteristics of the customer registered in advance by the customer is held and managed.

In this embodiment, fingerprint information of a customer's fingerprint is used as biometric information.
Reference numeral 3 denotes a window terminal, which is installed at one or more windows in a financial institution store, and includes a window display section 4 such as an LCD or CRT, and a window input section 5 such as a keyboard or a mouse. Handle customer contact transactions.
Reference numeral 6 denotes a window control unit of the window terminal 3, which controls each unit of the window terminal 3 and is connected to a communication line 8 such as a dedicated line or a telephone line via the LAN 7. It also controls data communication.

Reference numeral 9 denotes a window storage unit, which stores programs executed by the window control unit 6, various data used therefor, processing results by the window control unit 6, and the like.
Reference numeral 10 denotes a counter customer calling unit, which is composed of a number display board for displaying numbers with electrical decorations and a voice speaker for calling the number to the customer, and displays the reception number of the customer guided to the window and calls by voice.

A reception management server 15 is installed behind the store window and performs reception management processing such as reception order management for customers who are waiting to perform a window transaction.
Reference numeral 16 denotes a management control unit of the reception management server 15, which controls each unit of the reception management server 15 to perform reception number management processing, as well as customer information through the LAN terminal 7, the LAN 7, and the communication line 8. Connect to the server 2 to control data communication and the like.

Reference numeral 17 denotes a management storage unit that stores a program executed by the management control unit 16, various data used therefor, processing results by the management control unit 16, and the like, and an acceptance number of a customer who is waiting for a window transaction. A standby customer database 18 for storing face image data and the like is constructed.
Reference numeral 20 denotes a customer reception terminal, which is installed in a store of a financial institution and performs store reception processing such as reception of the order of transactions of customers who have come to the store and issuance of receipt number tags to customers.

In FIG. 2, reference numeral 21 denotes a reception control unit of the customer reception terminal 20, which controls each unit in the customer reception terminal 20 to perform store reception processing, and also includes the window terminal 3 and the reception management server 15 via the LAN 7, and the LAN 7. The data communication and the like are controlled by connecting to the customer information server 2 via the communication line 8.
A reception storage unit 22 stores a program executed by the reception control unit 21, various data used for the program, a processing result by the reception control unit 21, and the like.

A card handling unit 23 has a function of reading card information such as a customer ID as medium information recorded in a magnetic stripe of a transaction card such as a cash card as an inserted customer transaction medium.
A bankbook handling unit 24 has a function of reading bankbook information such as a customer ID as medium information recorded in a magnetic stripe of a bankbook as an inserted customer transaction medium.

Reference numeral 25 denotes a reception printing unit, which has a function of printing the number distinguished for each transaction type, indicating the order of reception on the reception number tag.
Reference numeral 26 denotes a reception display input unit, which includes a display screen such as an LCD or CRT, and is configured by a touch panel that receives input from a customer arranged on the display screen.
A proximity sensor 27 detects the user of the customer reception terminal 20 by infrared rays, ultrasonic waves, or the like.

A biometric information detection unit 28 detects a fingerprint when a customer's finger is touched.
Reference numeral 29 denotes a customer photographing camera, which is installed so that the customer's face can be photographed from the front of the customer reception terminal 20 and photographs a face image including the entire face above the customer's chest.
Reference numeral 30 denotes a voice guidance speaker, which guides the customer using the customer reception terminal 20 by voice to insert a transaction card or to take a picture of the customer with the customer photography camera 29.

  In this embodiment, the window storage unit 9 of the window terminal 3 is added with an application program having a function for displaying the face image of the customer called at the window on the window display unit 4 in the normal window transaction processing program. The window transaction processing execution program is stored, and various functional means as hardware of this embodiment are formed by the steps of the window control unit 6 and the window transaction processing execution program.

The management storage unit 17 of the reception management server 15 stores a management business process execution program having a function of executing various management business processes such as reception management processing. Various functional means as hardware of this embodiment are formed by each step with the program.
The reception control unit 21 of the customer reception terminal 20 stores a store visit processing process execution program having a function of executing a store visit reception process, and this step is executed by each step of the reception control unit 21 and the store reception process execution program. Various functional means as hardware of the embodiment are formed.

For the operation of the configuration described above, using the flowchart showing the operation of the identity verification system of the present embodiment shown in FIG. 3, the step indicating the operation of the customer reception terminal 20 as S, the step indicating the operation of the reception management server 15 as SA, The operation of the window terminal 3 will be described according to the steps indicated by SB.
S <b> 1, the reception control unit 21 of the customer reception terminal 20 displays a transaction selection screen asking the transaction type to be performed at the reception display on the reception display input unit 26, stands by, and the voice guidance speaker 30 when the proximity sensor 27 detects the customer. Will output a voice saying "Welcome."

  S2, the customer selects a transaction to be performed at the window from the transaction selection screen displayed on the reception display input unit 26. The reception control unit 21 recognizes the selection input by the customer, stores the recognized transaction type in the reception storage unit 22, displays a screen for prompting insertion of a transaction card or passbook on the reception display input unit 26, and the voice guidance speaker 30. To output a voice guidance prompting the user to insert a transaction card or passbook.

S3, the reception control unit 21 reads the card information recorded on the magnetic stripe of the transaction card inserted by the customer by the card handling unit 23, stores the read card information in the reception storage unit 22, and the customer information server 2 Communication for obtaining registered biometric information.
That is, the reception control unit 21 reads the customer ID from the read card information, and transmits the read customer ID to the customer information server 2 via the LAN 7 and the communication line 8.

The customer information server 2 searches for customer information held based on the received customer ID, extracts registered biometric information from the corresponding customer information, and extracts the extracted biometric information via the communication line 8 and the LAN 7. It transmits to the customer reception terminal 20.
S4. The reception control unit 21 stores the received registered biometric information in the reception storage unit 22, and displays a screen that prompts the reception display input unit 26 to face the customer photographing camera 29 in order to photograph the customer's face. The voice guidance speaker 30 outputs the voice “captures a face image”, and the customer photographing camera 29 captures the customer's face image.

The reception control unit 21 outputs a voice “The face image data is discarded after being received at the window” by the voice guidance speaker 30 after the face image is captured.
S5, the reception control unit 21 stores the face image data acquired from the photographed customer's face image in the reception storage unit 22, and guides the reception display input unit 26 to touch the biological information detection unit 28 with a finger pad. Display the screen.

  In S6, the reception control unit 21 that has detected the fingerprint from the belly of the finger touching the biometric information detection unit 28 and acquired the fingerprint information reads out the registered biometric information stored in the reception storage unit 22 and reads out the acquired fingerprint information. If the fingerprint information does not match the registered biometric information, the process branches to step S7. If the fingerprint information matches the registered biometric information, the process proceeds to step S8.

In S7, the reception control unit 21 that determines that the fingerprint information does not match the registered biometric information returns the inserted customer transaction card and displays on the reception display input unit 26 that the counter transaction is to be canceled. The window transaction is stopped, and the process returns to step S1 and waits.
In step S8, the reception control unit 21 that has determined that the fingerprint information matches the registered biometric information reads the transaction type stored in the reception storage unit 22, assigns a reception number corresponding to the read transaction type, and receives and prints the transaction type. The receipt number tag printed with the receipt number numbered by the unit 25 is issued to the customer, and the card information and the face image data stored in the acceptance storage unit 22 and the numbered receipt number are read out, and these are accepted via the LAN 7. It transmits to the management server 15, returns to step S1, and waits.

SA1, the management control unit 16 of the reception management server 15 stores the received card information and face image data in the standby customer database 18 of the management storage unit 17 in association with the received reception number.
SB1, when the window clerk performs an input for acquiring a customer list at the window input unit 5 to call the next customer, the window control unit 6 of the window terminal 3 that has recognized this input requests a customer list transmission via the LAN 7. Is transmitted to the reception management server 15.

Upon receipt of the SA2, customer list transmission request, the management control unit 16 of the reception management server 15 transmits the reception number stored in the standby customer database 18 of the management storage unit 17 to the window terminal 3 via the LAN 7 as a customer list.
The SB 2 and the window control unit 6 display the received customer list on the window display unit 4, and the window attendant refers to this and inputs the customer's reception number called by the window input unit 5. Recognizing this, the window control unit 6 displays the reception number on the number display board of the window customer calling section 10, outputs a voice calling for the reception number from the voice speaker, and receives and manages the input reception number via the LAN 7. Send to server 15.

SA3, the management control unit 16 searches the standby customer database 18 in the management storage unit 17 based on the received reception number, extracts card information and face image data related to the corresponding reception number, and extracts the extracted card Information and face image data are transmitted to the window terminal 3 via the LAN 7.
Upon receiving the SB 3, the card information and the face image data, the window control unit 6 displays the card information and the face image on the window display unit 4.

The window clerk receives the slip filled in for the window transaction from the customer called at the window, confirms the match between the face image displayed on the window display unit 4 and the customer's face called at the window. input. Recognizing this input, the window control unit 6 transmits a data deletion request attached with the reception number input when calling the customer to the reception management server 15 via the LAN 7.
In step SA4, the management control unit 16 that has received the data deletion request searches the standby customer database 18 based on the attached reception number, and stores the corresponding reception number, card information and face image data associated therewith with the standby customer database 18. Delete from.

SB 4, the window staff inputs the contents of the customer's slip through the window input unit 5. Recognizing this input, the window control unit 6 executes the transaction processing of the input content as usual and ends.
As described above, in this embodiment, the customer reception terminal compares the registered biometric information received from the customer information server with the fingerprint information acquired from the customer to confirm the identity, and the fingerprint information matches the registered biometric information. Since the receipt number is issued and the receipt number tag is issued to the customer at the time, the identity verification using the fingerprint information at the counter can be omitted, and the time required for the counter transaction can be shortened at the counter. Can improve business efficiency.

  In addition, the customer's face image data taken by the customer photographing camera of the customer reception terminal and the customer's reception number are transmitted to the reception management server and stored in association with each other. Received face image data from the reception management server based on the customer's reception number, and displayed the face image on the window display unit, so that the window clerk accepted the customer who came to the window using the displayed face image Since the person who issued the number tag can be immediately confirmed, it is possible to quickly confirm the person again at the window.

In addition, since the biometric information detection unit is provided in the customer reception terminal, the installation cost can be reduced in a store where a plurality of counter terminals are installed as compared to the case where the biometric information detection unit is provided in each counter terminal. it can.
In the first embodiment, it has been described that the customer's fingerprint information acquired after photographing the customer's face image and the registered biometric information are compared. However, the comparison between the fingerprint information and the registered biometric information is started first. If the face image is taken during that time, the waiting time of the customer can be further reduced.

  In the first embodiment, the case where fingerprint information is used as biometric information has been described. However, the customer's iris, finger or palm vein pattern, or the like may be used as biometric information.

The block diagram which shows the identity verification system of Example 1. The block diagram which shows the customer reception terminal of Example 1 The flowchart which shows operation | movement of the identification system of Example 1.

Explanation of symbols

1 identity verification system 2 customer information server 3 window terminal 4 window display section 5 window input section 6 window control section 7 LAN
8 Communication line 9 Counter storage unit 10 Counter customer call unit 15 Reception management server 16 Management control unit 17 Management storage unit 18 Standby customer database 20 Customer reception terminal 21 Reception control unit 22 Reception storage unit 23 Card handling unit 24 Passbook handling unit 25 Reception Printing unit 26 Reception display input unit 27 Proximity sensor 28 Biological information detection unit 29 Customer photographing camera 30 Voice guidance speaker

Claims (2)

A customer reception terminal that accepts the order of transactions of customers who have visited the store, a customer information server connected to the customer reception terminal, a window terminal that is operated by a window clerk and used for transactions with customers at the window, the window terminal, and the customer An identity verification system comprising a reception management server connected to a reception terminal,
The customer reception terminal is
Means for reading the media information from the customer's transaction media;
Means for obtaining biometric information indicating the physical characteristics of the customer from the customer;
Means for taking customer face images;
Means for reading a customer ID for identifying a customer from the read medium information;
Means for transmitting the read customer ID to the customer information server;
Means for receiving registered biometric information from the customer information server;
Means for comparing the received registered biometric information with the acquired biometric information;
Means for assigning a receipt number when the comparison results match;
Means for transmitting the photographed face image and the numbered receipt number to the reception management server;
The customer information server is
Means for storing registered biometric information in association with a customer ID;
Means for receiving a customer ID from the customer reception terminal;
Means for retrieving the stored registered biometric information based on the received customer ID and extracting the registered biometric information related to the corresponding customer ID;
Means for transmitting the extracted registered biometric information to the customer reception terminal,
The reception management server is
Means for receiving a face image and a reception number from the customer reception terminal;
Means for storing the received face image and the receipt number in association with each other;
Means for receiving a receipt number from the window terminal;
Means for searching the stored reception number based on the received reception number and extracting a face image related to the corresponding reception number;
Means for transmitting the extracted face image to the window terminal,
The window terminal is
Means for accepting the input of the receipt number from the counter staff;
Means for transmitting the accepted receipt number to the acceptance management server;
Means for receiving a face image from the reception management server;
And a means for displaying the received face image. In claim 1,
The window terminal is
Means for receiving an input of a receipt number from a customer after displaying the face image;
Means for transmitting the reception number received after the face image is displayed to the reception management server,
The reception management server is
Means for receiving an acceptance number from the window terminal after transmitting the face image;
Means for searching the stored reception number based on the reception number received after transmission of the face image and extracting a face image related to the corresponding reception number;
And a means for deleting the extracted face image.