JP2005292996A - Identity confirmation system and its confirmation method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a confirmor in a financial institute such as a bank to accurately decide whether or not a person to be confirmed is an authentic identity by using questions prepared based on public materials or information. <P>SOLUTION: This identity confirmation system is provided with a question preparing means for preparing a plurality of questions whose contents are different based on public predetermined information, a questioning means for successively making the prepared plurality of questions to a person to be confirmed (identity), an accepting means for accepting an answer from the person to be confirmed in a predetermined time since the questions are made, a validity/invalidity deciding means for deciding the validity/invalidity of the accepted answers, an extracting means for extracting the questions whose correct answers are decided, a digitizing means for digitizing the extracted questions according to a predetermined standard and a identity deciding means for deciding that the person to be confirmed is an authentic identity when the digitized value is a predetermined value or more. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  In the present invention, for example, when performing a predetermined transaction such as a loan at a financial institution such as a bank or a money lender, or at an antique transaction at a specific business operator such as an antique dealer, the identity of the transaction partner is confirmed. In particular, the present invention relates to a personal identification system that can be easily verified without violating the privacy of the person who is the person to be confirmed.

  Conventionally, when a financial institution such as a bank, for example, needs to verify the identity of a person to confirm a safe transaction, he / she has to request evidence such as a driver's license or health insurance card to verify the identity of the person. Or, call the telephone device installed at the home or workplace where it was declared, and check whether it is resident or registered, and verify the identity, and if necessary, contact the specified credit information center in the past. We are conducting identity verification surveys using various survey methods such as investigating whether or not there were any problems.

  In addition, in antique dealers, not only identity verification with the above-mentioned evidence such as a driver's license, but also verification of evidence materials submitted based on materials provided by the crime prevention association or police station, etc. The identity of the person is checked by checking whether the person is impersonating the person, or by using a telephone directory or a house map to check whether the telephone number or address reported by the person is genuine.

On the other hand, the present inventor provides a telephone number usage status investigation system (see Patent Documents 1 and 2). This telephone number usage status system is configured such that a dedicated telephone number transmission computer can be used to make a timely call to a telephone number to be investigated, investigate the usage situation, and collect and accumulate the investigation results. In this telephone number usage status system, not only the telephone usage history can be investigated, but also the telephone usage start date and the like can be investigated, so that it can be expected to be used for the above-described identity verification.
JP 2002-232583 A JP 2000-316048 A

  However, each of the above methods for confirming the identity is carried out by a manual investigation by a staff member, which not only increases the burden on the staff member in charge of work but also has the disadvantage that the accuracy of the survey differs greatly depending on the staff member in charge. there were. In order to eliminate such survey irregularities by the staff and improve the survey accuracy so that the survey results are always at a certain level or more, there is a disadvantage that time and cost required for staff prior training are required. In addition, since the time required for conventional identity verification by manual staff requires a predetermined survey time, the waiting time for the next customer inevitably increases when the number of visitors is large, resulting in a decrease in customer service. There was also a problem that it ended up. In order to solve this problem, if the person confirmation work time is shortened, there is a disadvantage that a new problem that confirmation accuracy is lowered occurs.

  In any case, such conventional identification work by a staff member requires a lot of time and labor, and when the materials such as the phone book used for the investigation materials are old, the investigation is incorrect. There was a risk of results. In addition, in order to increase the accuracy of the survey, it is necessary to confirm the identity of the subject based on the content of the survey and the survey materials related to the privacy of the subject, which may infringe on the privacy.

  In addition, in recent years, with the advancement and spread of IT technology, commercial transactions using the communication network such as the Internet have become popular, and since the transactions are possible for 24 hours, identity verification is also supported for 24 hours. Since there is a need to secure personnel for this purpose, there is a problem that labor costs are naturally required for this purpose.

  In recent years, fraudulent commercial transactions are often carried out by organized professional groups. As a means of doing so, for example, you can temporarily rent an apartment as an address, make a private PO Box as an address, or a health insurance card. Or the evidence of the driver's license has been skillfully forged, or a third party impersonating the person has brought the person's genuine evidence, seal or passbook, and fraudulent transactions was there. In particular, fraudulent traders who are fraudulent, move to an apartment where they temporarily rented an address for fraud (of course they do not live) or move their address to a private PO Box, Furthermore, since the application is made through a temporarily installed phone, there has been a situation where accidents cannot be prevented even if the identity is confirmed by telephone or by mail.

  Therefore, the present invention has been made to solve the above-described drawbacks, and the purpose of the present invention is to perform an identity verification survey with a certain degree of accuracy without using survey materials that violate the privacy of the individual. It is an object of the present invention to provide an identity verification system that can be performed easily or without an attendant receiving special training.

In order to achieve the above object, an identity verification system according to the present invention includes a question creation means for creating a plurality of questions having different contents based on predetermined public information, and a plurality of questions created. A question means for sequentially asking questions to the confirmer, a reception means for accepting an answer from the person to be confirmed for a predetermined time from when the question was asked, and a correct / incorrect determination means for judging the correctness of the accepted answer; Extraction means for extracting a question that has been determined to be the correct time and the time required for the answer, digitization means for digitizing the extracted question according to a predetermined criterion according to a predetermined criterion, and a numerical value that is greater than or equal to a predetermined value Sometimes, it is characterized by comprising a person determination means for determining the person to be confirmed as a genuine person.
In the identity verification system having such a configuration, questions created based on public information (materials) are sequentially performed from a confirmer such as a financial institution such as a bank to the person to be confirmed (person) by the question means. The person to be confirmed answers the question within a predetermined time. When the answer is received within the predetermined time, the answer is accepted by the accepting means and the correctness is judged by the correctness judging means. Then, the question determined to be correct is digitized by the digitizing means, and when the digitized value is equal to or greater than a predetermined value, the person-identifying means determines that the person to be confirmed is an authentic person, and the predetermined commercial transaction is performed. Is allowed. Of course, when the value digitized by the digitizing means does not reach the predetermined value, the person to be confirmed is not determined to be an authentic person, and the predetermined commercial transaction is rejected. In addition, even if it is within the predetermined time, the time required for answering compared to the average time when using this system, a negative point is given even when the answering time is late, and it is considered to be a factor of judgment Also made.
In addition, the identity verification system according to the present invention is characterized in that questions that are sequentially performed are randomly performed.
Further, the identity verification system according to the present invention displays the contents of the question and answers the question via a predetermined device possessed by the person to be confirmed (for example, the mobile phone 1, the PDA terminal 2, the personal computer 3). It is a feature.
The identity verification system according to the present invention is characterized in that the display of the question contents and the answer to the question are performed via a predetermined device possessed by the confirmer.
In the identity verification system according to the present invention, the content of the question is configured to include the geographical contents such as the name of the main facility centering on the address of the person to be confirmed and the required time to the main facility. It is a feature.
Further, in the identity verification system according to the present invention, the address of the person to be confirmed is a plurality of addresses related to the person to be confirmed such as the home address of the person to be confirmed and the work address of the person to be confirmed. It is said.
The identity verification system according to the present invention is characterized in that the question and the answer are made through voice means.
In addition, the identity verification system according to the present invention is characterized in that it is detected and accumulated that an address that is applied within a predetermined period and is concentrated by application and specified is an illegal application address.

  In the identity verification system according to the present invention, a question created on the basis of public information (material) is made to a confirmed person (person) from a confirmer side such as a financial institution such as a bank, for a predetermined time. When an answer to a question is received, the answer is accepted and the correctness of the answer is judged, and the question related to the time required for the answer and the answer is digitized, and the digitized value is greater than or equal to a predetermined value In this case, since the person to be confirmed is determined to be a genuine person, accurate person confirmation can be performed without violating the privacy of the person to be confirmed. In addition, since the contents of the question are created based on public information, the contents of the question are not included in those that hurt the feeling of the person to be confirmed, and there is a feature that smooth identity verification can be performed. Further, this question work / processing can provide an excellent effect that it can be performed under a certain objective standard regardless of the difference in ability of the staff such as the clerk in the confirmer in charge of the identity verification.

  Further, the identity verification system according to the present invention is performed with the question content selected at random, so that it is possible to effectively prevent the person being confirmed from learning the content of the question.

  Furthermore, since the identity verification system according to the present invention can answer questions using a general-purpose device such as the mobile phone 1, the PDA terminal 2 and the personal computer 3 possessed by the person to be confirmed, it can be easily implemented. it can.

  And since the identification system according to the present invention can ask a question using a device such as a personal computer possessed by the confirmer, a staff member of the confirmer such as a bank can easily carry out at the window.

  Moreover, since the identity verification system according to the present invention creates the contents of the question based on the address of the person to be confirmed, public map information and the like can be easily used. Since the address location of the person to be confirmed can pinpoint the position on the map using a known technique, a predetermined area (for example, 500 m, 1 km, 2 km, etc.) from the specified position can be specified. Thus, the question information is related to the facility information that can be known if the person to be confirmed is a genuine person within the region). Of course, since the question information is randomly accessed and extracted based on a predetermined calculation formula, there is no possibility that the person to be confirmed learns.

  Furthermore, since the identity verification system according to the present invention has multiple addresses of the person to be confirmed, such as at home and at work, identity verification can be performed based on AND conditions, and the accuracy of identity verification can be further improved. Can do.

  In the identity verification system according to the present invention, since the question and the answer can be made through the voice transmission means, it can be smoothly carried out in a so-called interactive form.

  As described above, since the basic feature of the identity verification system according to the present invention is to use publicly known information, such publicly known information can also use a homepage provided by each company. . The database of the publicly available information map display, surrounding search, distance from the pinpoint point to the predetermined facility and the facility information, etc. is Zenrin Co., Ltd., Daikei Co., Ltd., East Nippon Telegraph and Telephone Corporation and West Nippon Telegraph and Telephone Corporation Etc. can be based on information provided by the public. In addition, a Zenrin electronic house map (product name), a corporate / household building search service provided by Zenrin Co., Ltd. and its affiliates, and a database of digitized facility information can also be used. Furthermore, it is possible to use town page databases sold respectively by Nippon Telegraph and Telephone East Corporation and Nippon Telegraph and Telephone West Corporation.

  Note that the reference numerals added in the means for solving the above-described problems and the effects of the invention are given for easy reference to the parts showing the components shown in the drawings. The present invention is not limited to the structure / shape indicated by the reference numeral.

  Hereinafter, the best mode for carrying out the present invention will be described with reference to the drawings. FIG. 1 is a schematic configuration diagram of an identity verification system according to an embodiment. In FIG. 1, the reference character “a” confirms whether or not the person is a genuine identity from a confirmer b such as a financial institution such as a bank or an antique dealer. In the following, for the sake of simplicity, the confirmer b will be referred to as “bank” and the verifier i will be described as “user” who is attempting to do business with the bank. .

  The user A has portable information terminal devices having the wireless functions of the mobile phone (including PHS) 1 and the PDA terminal 2, and these devices (1, 2) Via the communication line L1 including the Internet, it is comprised so that it can connect to the personal identification apparatus 4 mentioned later. Further, when the user i uses a personal computer (personal computer) 3 installed at home or at work, the personal computer 3 can also be connected to the identity verification device 4 via the communication line L1. Has been. The mobile phone 1, the PDA terminal 2, and the personal computer 3 correspond to predetermined devices possessed by the person to be confirmed in the present invention. A predetermined provider exists between the devices (1, 2, 3) and the identity verification device 4, but is omitted here.

  In the figure, reference numeral 4 denotes a personal identification device, which is a device for realizing each means of the present invention, and is configured in a predetermined center such as a research company so that personal identification information can be provided to banks. Has been. In other words, as described above, the identity verification device 4 is connected to the devices (1, 2, 3) owned by the user A via the communication line network L1, and the communication line L2 made up of a dedicated line. It is also connected to the host computer H of the bank. The identity verification device 4 may be connected to the devices (1, 2, 3) owned by the user A via the host computer H. In this case, the device (1, 2, 3) possessed by the user A and the personal identification device 4 are connected only when the host computer H requires the personal identification.

  The identity verification device 4 has an arithmetic processing unit formed around a CPU that performs predetermined arithmetic processing using predetermined system program data and predetermined working data stored in a memory (not shown). The arithmetic processing unit is configured to perform predetermined arithmetic processing for the control operation of the personal identification system according to the present invention using data stored in the memory and various public databases. ing.

  As the database, files F1 to F6 as shown in FIGS. 2 to 8 are prepared, and a determination result file F7 for storing results determined by the identity verification system as shown in FIG. 9 is provided. Be prepared. That is, FIG. 2 shows a map information file F1 in which map data of all over Japan is stored, and FIG. 3 shows a facility that stores various facilities including names and positions (latitude, longitude) of prefectural offices, city halls, and schools. An information file F2 is shown, and in FIG. 4 and FIG. 5, a telephone number history information file F3 storing telephone number history information such as telephone number usage history is shown. In FIG. An address information file F4 storing (latitude, longitude) information is shown, and in FIG. 7, an unauthorized application address cumulative file F5 collected and stored as an address used in the past for illegal transactions is shown, and FIG. 8 shows a full name dictionary file F6. In addition, an information file storing negative information provided by the crime prevention association or the like can be prepared.

  A bank computer (not shown) is connected to the host computer H of the bank B, and is configured to be installed at a bank bank counter and operated by a bank bank employee. Of course, the host computer H stores predetermined customer information such as identification information (ID) consisting of the address, name, date of birth, telephone number, occupation and account number of the bank b customer. An information file F8 is connected.

  Next, the identity verification control operation when the user i performs a predetermined transaction with a bank that has already opened an account using the personal computer 3 at home or at the office will be described with reference to the flowcharts of FIGS. explain. Now, the user i starts the personal computer 3 and starts communication with the identity verification device 4 via the communication line L1, and basic items including an address for identifying the user i are input (step 100). Hereinafter, the step is referred to as “S”). This basic matter includes the user's account number. The customer computer related to a predetermined user such as an address, name, and telephone number corresponding to the account number is stored in advance in the host computer H of the bank. In addition, for this basic input, a predetermined transaction type such as account transfer is also input.

  When there is no need for identity verification in the current transaction type, it is possible to conduct a predetermined transaction without going through identity verification according to the present invention (not shown in the flowchart). For example, identity verification may be omitted when the transaction amount is less than or equal to a small predetermined amount. However, in order to prevent the transaction amount from being repeated in a range that does not exceed the amount by knowing that the amount of identity verification is omitted, in order to prevent a transaction with a large amount of money as a result, within a certain time When the same transaction is made, the following identity verification is performed. In addition, in the case of the negative data stored in advance in the bank's host computer H, for example, the account number to which the notification of loss is submitted in the input of the basic items described above, it is natural that there is no need to confirm the identity. Transactions are refused.

  When it is determined that it is necessary to confirm the identity of the user A's current transaction determined by the bank, identity verification using the identity verification device 4 is started. This identity verification is performed via a communication line L2 connecting the host computer H of the bank and the identity verification device 4. The personal computer 3 of the user A may be connected to the bank identity verification device 4 via the communication line L1, and the identity confirmation result in the identity verification device 4 may be taken into the host computer H of the bank identity.

  In the identity verification in the identity verification device 4, first, the address of the user A is specified, and a plurality of questions specific to the user A are formed by the question creating means. Since the address of the user A is recorded in the customer information file F8 of the bank B, the address of the user A is extracted using the customer information file F8. Also, if the user's current transaction is like a loan application and is not in the customer information file F8 of the bank, it is requested and input from the host computer H when inputting the basic items described above. The address of the user i is used.

  In this case, the address entered by user A matches the address entered by other users, or the location of the private secretary box (the location of the private secretary box in the information file of the personal identification device 4) In the case of a user who is suspicious that the user is a genuine person without confirming the person's identity by looking at the address, etc. Transactions are rejected even when the number is suspended in the telephone number history information file F3 or immediately after the start of use, and it is doubtful that the user is a genuine person as seen from the telephone number Or the question content is selected according to the degree of suspicion. This will be described later.

  Now, when the address of the user i is specified, the identity verification device 4 uses the map information file F1, the facility information file F2, and the like as the pinpoint point of the user i address 1 to the question 1 in FIG. A plurality of questions as shown in FIG. 6 are created, and questions that are surely known to a genuine person as shown in questions 7 and 8 in FIG. 12 are created (S102 to S108). ). Then, when the user A presses (clicks) the start button, the question means sets an initial value and starts question 1 (No in S200 and S202). That is, guidance and question contents as shown in question 1 in FIG. 12 are displayed on the display screen 3A of the user's personal computer 3, and specific question contents are displayed when the start button is clicked. The contents of the question displayed on the display screen 3A are basically contents that are known in common sense if the user truly lives in the address area of the user A, and can be answered like a game. It does not include anything that gives a feeling of oppression.

  The start button is clicked by the user A, a predetermined question content is displayed on the display screen 3A, and a predetermined time (5 seconds in the question 1 in FIG. 12; 20 seconds in the flowchart) is received. (S204 to S212). If there is an answer within a predetermined time (Yes in S212), the correctness determination means determines the correctness of the answer. If the answer is correct, the score (two points in the flowchart) is stored in the memory M, and the quantification means It is quantified by. The number of points stored at this time can be simply one point for one question, but the contents of the question can be weighted and different points can be obtained by the weighting. In the present invention, “quantizing an extracted question according to a predetermined criterion” includes both a case where a single question is simply given as one point and a case where a different number of points is given by weighting a question. In addition, when “extracted question” is referred to here, both the case where this quantification is performed for the correct answer every time one question is finished and the case where the correct answer is extracted and quantified after all questions are finished. Is included. Furthermore, “numerizing” of the present invention includes giving a negative score according to a predetermined standard for no answer or wrong answer.

  If the question cannot be answered within a predetermined time, the evaluation score is deducted and the answer is prompted, and the timer is reset. Then, another acceptance is permitted (Yes in S210 to S224). The next question is moved to accepting a similar answer, determining whether the accepted answer is correct, and quantifying the correct answer. When all questions created by the identity verification device 4 are completed (Yes at S202), the sum of the numerical values is calculated (Yes at S224). If the value calculated by the identity determination means is greater than or equal to a predetermined value, the user i is determined to be a genuine person and the predetermined transaction desired by the user a is permitted, and conversely, an answer to the question When the sum of the numerical values of the above does not reach the predetermined value, it is determined that the user I who has responded is not a genuine person, and the transaction desired by the user I is terminated (S203).

  Although omitted in the flowcharts of FIGS. 10 and 11, a user who has been determined not to be an authentic person once confirming his / her identity may learn the contents of the question and apply for a transaction again. Conceivable. For this reason, for the same application for the same person, the same address, etc., the transaction is rejected when the basic items are entered. Needless to say, in order to prevent the learning effect on the questions, the order of the questions is changed randomly, or dummy questions are included.

  In addition, in the identity verification system according to the present invention, business suspension or dissolution in facility information, transfer information (telephone) using the telephone number usage status investigation system according to Patent Documents 1 and 2 proposed by the present inventor (Number missing or relocation). Therefore, by linking the telephone number usage survey system to the identity verification system according to the present invention, it is possible to detect wrong answers of respondents who are referring to the map by including questions that have already been relocated or have been closed. The dummy question to be generated can be easily generated, and the determination accuracy of the person can be improved.

  The above example is an example of transaction when the user i uses the personal computer 3, but the mobile phone 1 or the PDA terminal 2, or other devices capable of input / output can be used. . Further, when the user i goes to the bank b and applies for a predetermined transaction, the identity is confirmed using a terminal provided at the window. In this case, for example, a bank clerk (clerk) reads out the contents displayed on the terminal, asks the user a question, and the bank clerk b inputs the answer of the user a. Since the bank clerk simply reads out the question and enters the contents of the answer that has been answered, the difference in the ability to verify the identity of the bank clerk who is the clerk does not matter.

  Furthermore, in the above-mentioned example, the confirming person is a bank, but this may be any trader / institution that needs to confirm the true identity of a secondhand dealer, a credit company, a life insurance company, or the like. In the above-described example, the response between the person to be confirmed and the confirmer is performed via the display screen 3A. However, as shown in FIG. Since a voice processing program such as a program is included, it can be performed by voice.

  The characteristics of the above-described identity verification system according to the present invention will be described as follows. (A) As shown in question 5 in FIG. 12, a building may be displayed on a map and an answer of the facility name of the building (for example, post office, school, convenience store, direct name Family Mart, Nagashima's house, etc.) may be input. . Furthermore, it is necessary to confirm the identity easily and accurately. Further, in case of doubt, it is necessary to ask in detail, so that the present inventor has already proposed the self-supporting telephone number cleaning system of Patent Document 1 and the telephone number using the communication line of Patent Document 2. A method of using the usage status survey providing apparatus and method is also prepared. For example, the information element for determining the identity is transmitted from the terminal, and the identification address, home phone number, office phone number, years of residence, years of service, etc. of the information are used. For example, if both the work phone and the home phone are used within 3 months in the usage history of the phone (the number is missing before 4 months) or the number is missing in the latest history, a suspicious application is included. Since there is a high possibility, there are many questions. For example, as shown in FIG. 4, telephone number history information is stored in a database, and in the history of telephone numbers 1 and 2, as shown in the figure, the number is missing (no telephone is used) as of December 2003. It turns out that the telephone number was used (actual) from January 2004. For example, a fraudulent applicant may be inconsistent even if he / she has stated his / her years of service or residence as 1 year or more in the application form, and this is matched with the residence / year of service from the usage history of the telephone number. Can be determined. Also, since the years of service, work phone, residence years, and home phone usage history are consistent (1 year of residence: 1 year of telephone use), means to limit questions to essential and minimum required items Is also available.

  (B) Furthermore, if the customer is an existing customer, there is also a method for determining a match by linking the date of birth or family name in customer information registered on the company side (see customer information file F8 in FIG. 1) with a dedicated line or the like. Be prepared. In this way, a method of automatically checking and determining the date of birth and family name as described in the questions 6 and 7 on the question content display screen 3A shown in FIG. 12 is also provided as an additional function. There are surnames and dictionaries already owned by the inventor (70,000 kanji surname candidates, 180,000 kanji name candidates (see surname dictionary file F6 in FIG. 1)). Pick up arbitrary name candidates, and pick up the existing customer name to be verified from the customer information of the relevant company linked to the phone number and customer code (unique code that identifies the customer) as a key The name candidates picked up from the first name surname dictionary may be mixed and displayed. As a matter of course, an existing customer is required to be input from the terminal device side at the stage of making a determination request for a home telephone number or customer code for identifying the customer. In particular, the main focus of the present invention is that the address to which the fraud group applies is specified, has the habit of making a large number of applications at once, is concentrated in one place, and within a certain period (1 to 3 months) Therefore, by using the present invention for these events, the application information is picked up by using the same address that has been intensively applied from the terminal of the person being confirmed within the scheduled period as the specified address. Also, it is possible to provide a function for issuing a warning to a company that has received an application using a communication medium such as e-mail or FAX.

  (C) Since the building name is also registered in the facility information in the facility information file F2 in FIG. 1, if the building with the specified address is a building, the possibility of being a private secretary box can be found. . This facility information detects that the person to be confirmed is another person according to the present invention because the applicant using the private secretary box is not familiar with the geography around the address described in the application. And it can detect that it is not a detached house or an apartment house but a building name by collating the building of the specified address place with the information recorded on the facility information. Even if it is not a building, it is possible to specify that the address is used for fraudulent application (the possibility of a temporary address for fraudulent application is high). By accumulating this detection information, it is possible to collect private PO Boxes and addresses used for fraudulent applications. There is also a function that can be notified to the person who confirms the judgment.

  (D) The present invention is not necessarily limited to a computer having a large display, and can be implemented as long as it is a general phone, a mobile phone, or a portable terminal capable of communication. For example, in the case of a terminal device capable of exchanging voice, the question is spoken and the answer is made only with numbers (using the numeric buttons “1” to “9” etc. of the numeric keypad provided on the terminal device). It is needless to say that a means for obtaining a voice answer and making a judgment using a voice recognition program is also possible. In short, any terminal device that can be connected to a communication line such as an Internet line or a telephone is possible.

  (E) In the question, you may ask at least the year of birth and the zodiac of the year of birth as information that the person can know. This is because most people know the zodiac of the year they were born. A certain selection error (selection error rate + forgetting rate) (which is considered to be an extremely low rate) of the selection candidates (monkeys, snakes, rabbits, etc.) displayed by checking the year of birth and its zodiac signs Except, it can be used for judgment as an important element for identifying the person. It is still effective if the impersonator is a foreigner.

  (F) As a question, for example, on the normal application screen displayed on the terminal device, an identity confirmation button is prepared on the screen where the attribute, product name, and product number of the applicant are prepared, and the user is identified by text or voice. A request for depressing the confirmation button may be made so that execution of the system of the present invention can be started. As described above, the present invention can also be provided as an additional function of an application screen for online transaction as individual software for identity verification.

  (G) Information elements for identity verification are a home address, a home phone number, the number of years of residence, a work phone number, the number of years worked, a work address, and the like. In antique sales, used car sales, and other face-to-face transactions, there are cases where the person who operates determines the side of the confirmer. In this case, the time for determination by the time setting change button including the predetermined time on the terminal device side The function which can be changed appropriately is prepared. When operations are performed by the assessor, the response may take a long time depending on whether the other party, who is the person to be confirmed, has prepared a map or reference material and responded. Since it turns out that it is suspicious, the corresponding operator can visually check whether it is the person himself or herself while following the screen and making a voice, and according to the present invention, it is epoch-making and effective. It is possible to provide identity verification means.

It is a schematic block diagram of the identity verification system which concerns on one embodiment of this invention. It is a display example at the time of showing the pinpoint point in the map information file as an example of an information file. It is the example of the content of the facility information file as an example of an information file. It is an example of the contents of a telephone number history information file as an example of an information file. It is another example of the contents of the telephone number history information file as an example of the information file. It is the example of the content of the address information file as an example of an information file. It is an example of the content of the fraudulent application address accumulation file as an example of an information file. It is an example of the contents of a full name dictionary file as an example of an information file. It is the example of the content of the determination result file as an example of an information file. It is a specific flowchart for creating a question content showing the identity verification control operation. It is a flowchart which shows identity verification control operation | movement. It is a display example of the display screen of a question content.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Mobile phone 2 ... PDA terminal 3 ... Personal computer (PC) 3A ... Display screen 4 ... Identity verification device F1 ... Map information file F2 ... Facility information file F3 ... Telephone number history information file F4 ... Address information file F5 ... Unauthorized application Address accumulation file F6 ... Last name dictionary file F7 ... Determination result file F8 ... Customer information file H ... Host computer L1 ... Communication line L2 ... Dedicated line i ... User (confirmed person) B ... Bank (confirmant)

In the present invention, for example, when performing a predetermined transaction such as a loan at a financial institution such as a bank or a money lender, or at an antique transaction at a specific business operator such as an antique dealer, the identity of the transaction partner is confirmed. In particular, the present invention relates to a personal identification system and a confirmation method thereof that can easily perform personal identification without violating the privacy of the person who is the person to be confirmed.

Therefore, the present invention has been made to solve the above-described drawbacks, and the purpose of the present invention is to perform an identity verification survey with a certain degree of accuracy without using survey materials that violate the privacy of the individual. It is an object of the present invention to provide a person identification system and a confirmation method thereof that can be performed automatically or easily by a staff member without receiving special training.

An identity verification system according to the present invention is an identity verification system that is connected to a user's information terminal device through a communication line in order to achieve the above object, and provides identity verification information to a confirmer using a computer, Based on public information stored in a database, the address of the user is specified, question creating means for creating a plurality of questions having different contents about the facility information related to the specified place, and the plurality of the plurality of questions from the database Questioning means for transmitting a question to the information terminal device through the communication line, and receiving means for receiving a response from the information terminal device through the communication line for a predetermined time from when the question is made by the questioning means. And a correctness determination unit that determines whether the answer received by the reception unit is correct, and a question that is determined to be correct by the correctness determination unit. Output means, digitizing means for digitizing the question extracted by the extracting means according to a predetermined standard, and when the value digitized by the numericalizing means is equal to or greater than a predetermined value, And personal identification means for judging that
In the identity verification system having such a configuration, based on public information (materials) from a confirmer such as a financial institution such as a bank to the person to be confirmed (person), that is, facility information related to the address location by means of a question. The created questions are asked sequentially. The person to be confirmed answers the question within a predetermined time. When the answer is received within the predetermined time, the answer is accepted by the accepting means and the correctness is judged by the correctness judging means. Then, the question determined to be correct is digitized by the digitizing means, and when the digitized value is equal to or greater than a predetermined value, the person-identifying means determines that the person to be confirmed is an authentic person, and the predetermined commercial transaction is performed. Is allowed. Of course, when the value digitized by the digitizing means does not reach the predetermined value, the person to be confirmed is not determined to be an authentic person, and the predetermined commercial transaction is rejected. In addition, even if it is within the predetermined time, the time required for answering compared to the average time when using this system, a negative point is given even when the answering time is late, and it is considered to be a factor of judgment Also made.
The identity verification system according to the present invention is characterized in that a plurality of questions that are sequentially performed are performed in a random order.
Further, the identity verification system according to the present invention displays the contents of the question and answers the question via a predetermined device possessed by the user (for example, the mobile phone 1, the PDA terminal 2, the personal computer 3). It is a feature.
The identity verification system according to the present invention is characterized in that the display of the question content and the answer to the question are performed via a predetermined device possessed by the user.
In the identity verification system according to the present invention, the content of the question includes the name of the main facility centered on the user's address and the geographical content of the required time to the main facility.
Furthermore, the identity verification system according to the present invention is characterized in that the user's address is a plurality of addresses related to the user such as the home address of the user and the work address of the person to be confirmed. .
The identity verification system according to the present invention is characterized in that the question and the answer are made through voice transmission means.
On the other hand, a personal identification method according to the present invention is a personal identification method that is connected to a user's information terminal device through a communication line and provides personal identification information to a confirmer using a computer, and the computer stores the information in a database. Identifying a user's address based on public information stored therein, creating a plurality of questions having different contents about facility information related to the specific location, and the computer from the database Transmitting a question to the information terminal device through the communication line; and receiving a response from the information terminal device through the communication line for a predetermined time after the question is made. The computer determines whether the accepted answer is correct, and the computer determines that the answer is correct. Extracting the question, the computer digitizing the extracted question according to a predetermined criterion, and the computer authenticating the user when the digitized value is equal to or greater than a predetermined value. And a step of determining that the person is a proper person.

  In the identity verification system according to the present invention, a question created on the basis of public information (material) is made to a confirmed person (person) from a confirmer side such as a financial institution such as a bank, for a predetermined time. When an answer to a question is received, the answer is accepted and the correctness of the answer is judged, and the question related to the time required for the answer and the answer is digitized, and the digitized value is greater than or equal to a predetermined value In this case, since the person to be confirmed is determined to be a genuine person, accurate person confirmation can be performed without violating the privacy of the person to be confirmed. Moreover, since the contents of this question were created based on public information, that is, facility information related to the addressee's address, it does not include those that hurt the person's emotions, and smooth identity verification is possible. There is a feature that can be done. Further, this question work / processing can provide an excellent effect that it can be performed under a certain objective standard regardless of the difference in ability of the staff such as the clerk in the confirmer in charge of the identity verification.

An identity verification system according to the present invention is an identity verification system that is connected to a user's information terminal device through a communication line in order to achieve the above object, and provides identity verification information to a confirmer using a computer, Based on the public information stored in the database, the address of the user is specified, the presence / absence of the facility related to the specified location, the name, the route / time required for the facility, and the facility of the display object displayed on the map A question creating means for creating a plurality of questions having different contents about facility information such as a name, a question means for transmitting the plurality of questions from the database to the information terminal device through the communication line, and the question means Predetermined time from when the question was asked, affirmation / denial of question, selection from options, main facility name, etc. Receiving means, correctness determining means for determining whether the answer accepted by the accepting means is correct, extracting means for extracting a question that is determined to be correct by the correctness determining means, and extracted by the extracting means A digitizing means for digitizing a question according to a predetermined standard; and a person determining means for determining that the user is an authentic person when the value digitized by the numerical means is a predetermined value or more. It is a feature.
In the identity verification system having such a configuration, public information (documents), that is, information related to the address location, is disclosed to a confirmed person (person) from a confirmer such as a financial institution such as a bank by a question means. Questions created based on the facility information are sequentially performed. The person to be confirmed answers the question within a predetermined time. When the answer is received within the predetermined time, the answer is accepted by the accepting means and the correctness is judged by the correctness judging means. Then, the question determined to be correct is digitized by the digitizing means, and when the digitized value is equal to or greater than a predetermined value, the person-identifying means determines that the person to be confirmed is an authentic person, and the predetermined commercial transaction is performed. Is allowed. Of course, when the value digitized by the digitizing means does not reach the predetermined value, the person to be confirmed is not determined to be an authentic person, and the predetermined commercial transaction is rejected. In addition, even if it is within the predetermined time, the time required for answering compared to the average time when using this system, a negative point is given even when the answering time is late, and it is considered to be a factor of judgment Also made.
The identity verification system according to the present invention is characterized in that a plurality of questions that are sequentially performed are performed in a random order.
Further, the identity verification system according to the present invention displays the contents of the question and answers the question via a predetermined device possessed by the user (for example, the mobile phone 1, the PDA terminal 2, the personal computer 3). It is a feature.
The identity verification system according to the present invention is characterized in that the display of the question content and the answer to the question are performed via a predetermined device possessed by the user.
The identity verification system according to the present invention is characterized in that the contents of the question include dummy questions such as relocation and business suspension in the facility.
Furthermore, the identity verification system according to the present invention is characterized in that the user's address is a plurality of addresses related to the user such as a home address of the user and a work address of the confirmed person. .
The identity verification system according to the present invention is characterized in that the question and the answer are made through voice transmission means.
On the other hand, a personal identification method according to the present invention is a personal identification method that is connected to a user's information terminal device through a communication line and provides personal identification information to a confirmer using a computer, and the computer stores the information in a database. Based on the public information stored, the user's address is specified, the presence / absence of the facility related to the specified location, the name, the route / time required to the facility, the facility name of the display object displayed on the map, etc. Creating a plurality of questions having different contents about the facility information, the computer transmitting the plurality of questions from the database to the information terminal device through the communication line, and the computer Answers from the information terminal device such as a predetermined time from when the question was asked, affirmation / denial of the question, selection from options, main facility name, etc. Receiving through the communication line, the computer determining whether the accepted answer is correct, the computer extracting a question determined to be correct, and the computer extracting the extracted question The method includes the step of digitizing according to a predetermined standard, and the step of the computer determining the user as a genuine person when the digitized value is equal to or greater than a predetermined value.

  Now, when the address of the user i is specified, the identity verification device 4 uses the map information file F1, the facility information file F2, and the like as the pinpoint point of the user i address 1 to the question 1 in FIG. Multiple questions as shown in Fig. 6, for example, the presence or absence of various facilities related to the pinpoint point, names, the route / time required to those facilities, the facility name of the display object displayed on the map, etc. A plurality of questions with different contents about information are created, and questions that are surely known to a genuine person as shown in questions 7 and 8 in FIG. 12 are created (S102 to S108). ). Then, when the user A presses (clicks) the start button, the question means sets an initial value and starts question 1 (No in S200 and S202). That is, guidance and question contents as shown in question 1 in FIG. 12 are displayed on the display screen 3A of the user's personal computer 3, and specific question contents are displayed when the start button is clicked. The contents of the question displayed on the display screen 3A are basically contents that are known in common sense if the user truly lives in the address area of the user A, and can be answered like a game. It does not include anything that gives a feeling of oppression. In addition, the contents of the question can be answered easily if it is a genuine person, for example, it can be answered easily such as affirmation / denial, selection from options, answer of the name of the main facility, etc. It is created (see FIG. 12).

Claims (8)

Question creation means for creating a plurality of questions with different contents based on predetermined public information,
Question means for sequentially asking a confirmed person a plurality of created questions,
A receiving means for receiving an answer from the confirmed person for a predetermined time from when the question was made;
Correctness determination means for determining correctness of the accepted answer;
An extracting means for extracting a question determined to be correct;
A digitizing means for digitizing the extracted questions according to a predetermined standard;
A person determination means for determining the person to be confirmed as a genuine person when the digitized value is equal to or greater than a predetermined value;
An identity verification system characterized by comprising:   2. The identity verification system according to claim 1, wherein the questions that are sequentially asked are randomly asked.   3. The identity verification system according to claim 1 or 2, wherein the contents of the question and the answer to the question are displayed via a predetermined device possessed by the person to be confirmed.   4. The identity verification system according to any one of claims 1 to 3, wherein the display of the question content and the answer to the question are performed via a predetermined device possessed by the confirmer.   5. The identity verification system according to claim 1, wherein the content of the question includes geographical contents such as a name of a main facility centered on the address of the person to be confirmed and a required time to the main facility. An identity verification system characterized by comprising.   6. The identity verification system according to claim 5, wherein the address of the person to be confirmed is a plurality of addresses related to the person to be confirmed such as the home address of the person to be confirmed and the work address of the person to be confirmed. Identity verification system.   7. The identity verification system according to any one of claims 1 to 6, wherein the question and the answer are made through voice transmission means. 8. The identity verification system according to any one of claims 1 to 7, wherein the identity verification system is configured to detect and accumulate that the address that is applied within a predetermined period and is concentrated by application and identified is an illegal application address. system.

Images