JP2008052513A - Service operation method, information processor, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To request a plurality of service providing agencies to promptly stop services in response to one report from a user about the theft or loss of a recording medium. <P>SOLUTION: A terminal 2 applies for registration in an information processor 3 (S101). In response to this application for registration, the information processor 3 performs registration via a notification of the acceptance of the registration (S102) and the payment of a registration fee (S103) and notifies the terminal 2 of the completion of registration (S104). In the event of theft or loss of a recording medium, the terminal 2 reports the theft or loss to the information processor 3 (S105). The information processor 3 receives this report and requests authentication information from the terminal 2 (S106). In response to this request, the terminal 2 sends the authentication information (S107). The information processor 3 receives the authentication information from the terminal 2 and obtains the authentication information corresponding to user specification information received in S105 so as to collate the two pieces of authentication information with each other. If the two pieces of authentication information match, the communication device of the providing agent corresponding to the user specification information is requested to stop services (S108). <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  In the present invention, when a recording medium such as a card or a passbook related to a service providing organization such as a financial institution is stolen or lost, a user contacts a plurality of service providing organizations to request service stoppage. The present invention relates to a service operation method for reducing the burden on the occasion.

Nowadays, cash cards and credit cards are closely related to daily life, and it is said that the average number of Japanese possession cards is four per person. Under such circumstances, damages due to card theft and loss are increasing, and various measures are taken. For example, in the theft / loss damage prevention system disclosed in Patent Document 1, when a card is stolen or lost, the reception center server receives card accident information including at least the customer's “name” from the customer terminal. The card accident information is transmitted to a plurality of card providing servers. Then, after a plurality of card providing servers perform name identification and identity verification based on the received card accident information, the card use stop processing is performed at the stage of obtaining the consent of the customer.
JP 2005-25565 A

  Here, when a cash card or credit card is stolen or lost, it is important to stop using the card as soon as possible in order to minimize damage. However, in the anti-theft / lost damage prevention system of Patent Document 1, after the reception center server receives the card accident information from the customer's terminal, a plurality of other servers verify the identity or obtain permission to stop use. Therefore, it can be considered that it takes a considerable amount of time from reception to suspension of use.

  SUMMARY OF THE INVENTION The present invention has been made in view of the above-described problems, and is mainly intended to promptly stop service from a plurality of service providing organizations upon receiving a single report of theft or loss of a recording medium from a user. Objective.

  In order to solve the above-described problems, the present invention provides a method for operating a service provided by using a recording medium possessed by a user, and information to be communicably connected to a communication device of the service providing organization. A step in which a processing device associates and stores user specifying information for specifying a user of the service and a providing organization ID for specifying one or more providing organizations; and Storing destination information for specifying the communication device that is a transmission destination of the service stop request in association with an institution ID, the information processing device receiving the user specifying information, and the information processing device. Acquiring the providing organization ID stored in association with the received user identification information, and each providing organization ID acquired by the information processing apparatus. The step of acquiring the destination information stored in association with the recording medium corresponding to the user specifying information received by the information processing apparatus in the communication apparatus specified by the acquired destination information And sending the stop request for.

  According to this method, since the information processing apparatus stores the user identification information and the ID of the provider that the user is receiving the service in association with each other, the operating company that operates the information processing apparatus It is possible to grasp the usage situation such as which provider the user is receiving the service and the market trend such as which provider the service contract with the provider as a whole. In addition, since the information processing apparatus accepts the user identification information and transmits a service stop request for the recording medium to the communication apparatus of each provider corresponding to the user identification information, the user is notified when the recording medium is lost. The service can be promptly requested to a plurality of providing organizations upon receiving a single contact from. Therefore, when the recording medium is lost, the user can quickly stop the services of a plurality of providing organizations by making only one contact.

  The present invention is also a service operation method, characterized in that the information processing apparatus receives the user specifying information from a terminal of a user that is communicably connected to the information processing apparatus.

  According to this method, when the recording medium is lost, it is possible to receive a single contact from the user's terminal and promptly request a plurality of providers to stop the service.

  The present invention is also a service operation method, wherein the information processing apparatus responds to the user identification information from the communication apparatus when the information processing apparatus transmits the stop request to the communication apparatus. Receiving a stop completion notification for notifying that the service related to the recording medium is stopped, and transmitting the received stop completion notification to the terminal. To do.

  According to this method, since the information processing apparatus transmits a service stop completion notification from the communication apparatus to the user's terminal, the terminal can display the received stop completion notification on the display unit. Therefore, the user can know that the suspension of the service related to the lost item has been completed, and can be relieved for the time being.

  Further, the present invention is a service operation method, wherein when the information processing apparatus acquires the provider ID stored in association with the received user identification information, the information processing apparatus Transmitting the provided provider ID acquired to the terminal; receiving the provider ID selected from the provider IDs transmitted from the terminal; and the information processor. Transmitting the stop request to the communication device specified by the destination information stored in association with the received provider ID.

  According to this method, the information processing apparatus can transmit a service stop request to the communication apparatus of the providing organization selected by the user who has lost the recording medium. Therefore, the user can arbitrarily designate a provider that stops the service when the recording medium is lost. According to this, it is not always possible to stop the service for all the provider organizations registered in advance, but it is possible to stop the service only for the provider organization related to the lost recording medium.

  The present invention is also a service operation method, wherein the information processing apparatus stores authentication information in association with the user specifying information, and the information processing apparatus receives the user specifying information. The information processing device receiving the authentication information, the information processing device acquiring the authentication information stored in association with the received user identification information, and the information processing When the apparatus compares the received authentication information with the acquired authentication information, and when the authentication information received by the information processing apparatus matches the acquired authentication information, the communication apparatus And the step of transmitting the stop request.

  According to this method, since the information processing apparatus collates the authentication information registered in advance with the authentication information received at the time of the loss notification of the recording medium, only the loss notification from the registered user can be handled. A service stop request can be made.

  Further, the present invention is a service operation method, wherein the information processing apparatus stores the telephone number of the user in association with the user specifying information; and the information processing apparatus is the user When the specific information is received, the information processing apparatus acquires the telephone number stored in association with the received user specifying information; and the information processing apparatus acquires the acquired telephone number. And a step of making a call.

  According to this method, when the information processing apparatus receives a loss notification from the user, the information stored in the telephone number stored in advance in association with the user identification information is reconfirmed, so that the identity can be surely confirmed. The service stop request can be made only in response to the lost contact from the registered user.

  Further, the present invention is a service operation method, wherein the user specifying information includes one or more elements, and the information processing apparatus associates the provider organization ID with the names of the one or more elements. And when the information processing apparatus receives the user specifying information, the information processing apparatus acquires the providing organization ID stored in association with the received user specifying information. The information processing device acquiring the name of the element stored in association with the providing organization ID, and the information processing device acquiring the element corresponding to the acquired name of the element. The information processing apparatus further includes a step of acquiring, and the information processing apparatus further includes a step of transmitting the stop request including the acquired element to the communication apparatus.

  According to this method, the information processing apparatus makes a stop request optimized for each providing organization by transmitting user identification information including elements necessary for stopping the service in each providing organization to each communication device. be able to. According to this, the provider can receive the information necessary when the department in charge of the company stops the service, and without making a complicated response such as inquiring the user about the information that the department in charge is insufficient. Therefore, the service stop process can be efficiently performed.

  The present invention includes an information processing apparatus and a program. In addition, the problems disclosed in the present application and the solutions thereof will be clarified by the column of the best mode for carrying out the invention and the drawings.

  According to the present invention, it is possible to promptly stop service from a plurality of service providing organizations upon receiving a report of theft or loss of a recording medium from a user. According to this, even if a user encounters theft or loss of recording media related to multiple service providers, he / she can service multiple service providers by making a single theft / loss report. A stop can be requested.

  Hereinafter, the best mode for carrying out the present invention will be described with reference to the drawings.

≪Basic business model≫
FIG. 1 is a diagram showing a basic business model of a system that implements a service operation method. In the service operation method according to the embodiment of the present invention, first, an information processing apparatus of a business company that plays a part of service of a provider (such as a financial institution) Accept and register information about the service provider. This is a collective service to service providers that use each recording medium in the event that the user is actually stolen or lost in preparation for theft or loss of recording media (cards, passbooks, etc.) The contract is made with the business company so that a stop request can be made, and the user completes registration by applying to the business company for registration and paying a predetermined fee. Then, when the user receives a notification that the recording medium has been stolen or lost, the information processing device of the operating company collectively issues a service stop request to each of the providing organizations related to the registered user. Do. The service operation system 1 is configured by connecting a terminal 2 of a user who uses a service, an information processing device 3 of a business company, and a communication device 4 of a providing organization via a network (communication network) 5.

  First, the user operates the terminal 2 and makes a registration application to the information processing apparatus 3 of the business company in advance (S101). The terminal 2 adds user identification information such as name, date of birth, and address, user authentication information, communication destination information of the terminal 2, a provider, and the like to the registration application. The information processing apparatus 3 receives a registration application from the terminal 2 and sends an application reception notification to the terminal 2 specified by the communication destination information in order to confirm the application content (S102). The received user identification information is added to the application reception notification. The user receives the application acceptance notification from the information processing device 3 via the terminal 2 and confirms the user identification information. If there is no problem, the user performs a registration fee payment procedure to the business company through the terminal 2 and the information processing device 3 (S103). After confirming that the registration fee has been paid from the user to the business company, the information processing apparatus 3 registers the information added to the registration application, and then notifies the terminal 2 of the completion of registration (S104). Thus, the user is registered with the business company.

  Next, when the recording medium is actually stolen or lost, the user operates the terminal 2 to notify the information processing apparatus 3 of theft or loss (S105). The terminal 2 adds user identification information to the theft / loss notification. The information processing apparatus 3 accepts theft / loss notification from the terminal 2 and requests authentication information from the terminal 2 to confirm the identity of the user (S106). In response to the request from the information processing device 3, the terminal 2 acquires authentication information from the user and transmits it (S107).

  The information processing apparatus 3 receives the authentication information from the terminal 2, acquires the authentication information corresponding to the user identification information received in S105, and collates the received authentication information with the acquired authentication information. As a result of the collation, if the two pieces of authentication information match, it is determined that the identity of the user has been confirmed, and a service stop request is made to the communication device 4 of the providing organization corresponding to the user identification information (S108). The information processing apparatus 3 adds user specifying information to the stop request. In response to the stop request from the information processing device 3, the communication device 4 executes a service stop process for the recording medium corresponding to the user specifying information. The service stop process may be executed by an apparatus other than the communication apparatus 4 or an operator of the providing organization. As a result, the service related to the recording medium that has been stolen or lost is stopped.

  When the communication device 4 detects that the service stop process has been completed, the communication device 4 sends a stop completion notification to the information processing device 3 (S109). The information processing device 3 receives the stop completion notification from the communication device 4 and transfers the stop completion notification to the terminal 2 (S110). As described above, the user can know that the service regarding the recording medium that has been stolen or lost has been stopped.

  The basic business model of the service operation system 1 has been described above, but other embodiments are also conceivable. For example, when the user registers to use the service of the provider, when a notification of service registration completion is received from the communication device 4 to the terminal 2, the registration completion notification is displayed on the screen of the terminal 2 in step S101. You may make it guide to the display of a registration application. In addition, a service stop completion notification from the communication device 4 may be transmitted directly to the terminal 2. Thereafter, processing relating to reissuance of the recording medium that has been stolen or lost may be performed between the terminal 2 and the communication device 4.

  The recording medium may be various cards such as a cash card, a credit card, an ETC (Electronic Toll Collection system) card, a passbook, a mobile phone, and a driver's license. In addition, as a provider of a service using a recording medium, a financial institution such as a bank, a card company, a communication vendor of a mobile phone, and the like can be considered.

≪System configuration and overview≫
FIG. 2 is a diagram illustrating a hardware configuration example of the service operation system. The service operation system 1 is configured by connecting a terminal 2, an information processing device 3, and a communication device 4 via a network 5. The terminal 2 is a terminal used by a user, and is realized by a mobile phone, a PDA (Personal Digital Assistant), a PC (Personal Computer), or the like. The information processing apparatus 3 is a computer used by a business company, and is realized by a PC, a server, or the like. The communication device 4 is a device used by a service providing organization, and is realized by a network connection device or the like. The network 5 is a communication network that enables communication between the terminal 2, the information processing device 3, and the communication device 4, and is mainly realized by a public line such as the Internet.

  The terminal 2 includes a display unit 21, an operation unit 22, a communication unit 23, a processing unit 24, and a storage unit 25. The display unit 21 displays a registration application screen and a lost contact screen, and is realized by a liquid crystal display or the like. The operation unit 22 is used for item input and button click on each screen, and is realized by a keyboard, a mouse, an operation button, or the like. The communication unit 23 is connected to the network 5 to enable communication with the information processing device 3 and the communication device 4 and is realized by a network connection device or the like. The processing unit 24 is located at the center of each unit, and exchanges data between the units, and processes and edits the data, thereby controlling the entire terminal 2. The processing unit 24 is realized by a CPU (Central Processing Unit) executing a program stored in a predetermined memory. The storage unit 25 stores data according to instructions from the processing unit 24 and reads the stored data. The storage unit 25 is realized by a nonvolatile storage device such as a hard disk device or a flash memory.

  The information processing apparatus 3 includes a communication unit 31, a processing unit 32, and a storage unit 33. The communication unit 31 is connected to the network 5 to enable communication with the terminal 2 and the communication device 4, and is realized by a network connection device or the like. The processing unit 32 is located between the communication unit 31 and the storage unit 33, and controls the entire information processing apparatus 3 by exchanging data while processing and editing the data. The processing unit 32 is realized by a CPU (Central Processing Unit) executing a program stored in a predetermined memory. The storage unit 33 stores data according to an instruction from the processing unit 32 and reads the stored data. The storage unit 33 is realized by a nonvolatile storage device such as a hard disk device or a flash memory.

  The information processing apparatus 3 may further include an input unit such as a keyboard and a display unit such as a display. In this case, it is conceivable that the operator of the business company receives telephone contact from the user instead of the terminal 2 and operates the input unit of the information processing device 3 to input the user specifying information. In addition, the operator of the business company refers to the contact information of the service provider displayed on the display unit of the information processing device 3 and requests the service provider to stop the service by telephone instead of the communication device 4. It is possible.

  The communication device 4 includes a communication unit 41, a processing unit 42, and a storage unit 43. The communication unit 41 is connected to the network 5 to enable communication with the terminal 2 and the information processing apparatus 3, and is realized by a network connection device or the like. The processing unit 42 is located between the communication unit 41 and the storage unit 43, and controls the entire communication device 4 by exchanging data between them and processing and editing the data. The processing unit 42 is realized by a CPU (Central Processing Unit) executing a program stored in a predetermined memory. The storage unit 43 stores data according to instructions from the processing unit 42 and reads the stored data. The storage unit 43 is realized by a nonvolatile storage device such as a hard disk device or a flash memory.

  FIG. 3 is a diagram illustrating a functional configuration example of the processing unit 32 of the information processing apparatus 3. The processing unit 32 includes an overall control unit 321, a registration application reception unit 322, a lost contact reception unit 323, and a service stop request unit 324. The overall control unit 321 activates other units in the processing unit 32 in response to an event that has occurred (for example, registration application by the communication unit 31 or acceptance of lost contact, termination of processing of the lost contact acceptance unit 323, etc.). Thus, the processing flow of the entire processing unit 32 is controlled. Further, messages and information are exchanged by controlling an interface between the communication unit 31 and the storage unit 33 and other units in the processing unit 32. The overall control unit 321 is a program module called a so-called kernel or scheduler.

  The registration application reception unit 322, the lost contact reception unit 323, and the service stop request unit 324 are program modules that realize specific functions of the information processing apparatus 3 by operating under the control of the overall control unit 321. is there. The registration application receiving unit 322 receives a registration application from the terminal 2 and registers a user. The lost contact accepting unit 323 accepts the lost contact from the terminal 2 and confirms the identity of the user. The service stop request unit 324 makes a service stop request to the communication device 4.

<< Data structure >>
FIG. 4 is a diagram illustrating a configuration example of data stored in the storage unit 33 of the information processing device 3. FIG. 4A shows a configuration example of user registration information 33 </ b> A that is registered at the time of registration application from the terminal 2 and is referred to at the time of loss notification from the terminal 2. User registration information 33A includes user ID 33A1, name 33A2, date of birth 33A3, address 33A4, telephone number 33A5, authentication information 33A6, communication destination information 33A7, financial institution name 1 (33A8) and financial institution name 2 (33A9). It is comprised including. The user ID 33A1 is a number unique to the user registered in the information processing apparatus 3 of the business company. The user ID 33A1 is assigned and stored at the time of registration application, is notified to the terminal 2, and is transmitted from the terminal 2 at the time of loss notification. The information is received by the information processing device 3. The name 33A2 is the name of the user. The date of birth 33A3 is the date of birth of the user. The address 33A4 is a user's address. The telephone number 33A5 is a user's telephone number. The user ID 33A1, name 33A2, date of birth 33A3, address 33A4, and telephone number 33A5 may be referred to as user specifying information. In other words, it can be said that the user specifying information includes one or more elements such as the user ID 33A1.

  The authentication information 33A6 is information for authenticating that the user who made the loss notification using the terminal 2 is the person who made the registration application. For example, the authentication information 33A6 is a personal identification number or biometric data (fingerprint, vein pattern). Etc.). The communication destination information 33A7 is information for specifying the terminal 2 when communicating from the information processing apparatus 3 to the terminal 2, and is an IP (Internet Protocol) address, a mail address, or the like. The financial institution name 1 (33A8) and the financial institution name 2 (33A9) are names of financial institutions, and are information for identifying financial institutions that provide services when the recording medium is a cash card or a passbook. . In FIG. 4A, two financial institution names (financial institution name 1 and financial institution name 2) are shown, but three or more financial institution names may be registered. The name of the financial institution is an example of an ID of an institution that provides a service using a recording medium, and other examples include a card company name and a mobile phone company name. Moreover, it does not need to be a name and may be a code number. In any case, it is only necessary to uniquely identify the provider.

  FIG. 4B is a diagram illustrating a configuration example of service stop information 33 </ b> B that is registered in advance and is referred to when a loss notification is made from the terminal 2 and is necessary for a service stop request of each financial institution. The service stop information 33B includes financial institution name 1 (33B1), destination information 1 (33B2), element name 1 (33B3), financial institution name 2 (33B4), destination information 2 (33B5), and element name 2 (33B6). Consists of including. Financial institution name 1 (33B1) is the name of the financial institution. The destination information 1 (33B2) is stored in association with the financial institution name 1 and is information for specifying the communication device 4 that is the transmission destination of the service stop request, such as an IP (Internet Protocol) address or a mail address. . The element name 1 (33B3) is stored in association with the financial institution name 1 and is information for specifying the name of the element of the user specifying information necessary when a service stop request is made, such as a name and date of birth. The same applies to the financial institution name 2 (33B4), the destination information 2 (33B5), and the element name 2 (33B6). Although FIG. 4B shows two financial institution names (financial institution name 1 and financial institution name 2), service stop information 33B may be registered for three or more financial institution names.

  Note that the service stop information 33B may be information necessary for a service stop request of a financial institution and information describing a processing procedure of the service stop request according to the financial institution. For example, when a plurality of communication devices 4 are installed in a financial institution, a plurality of pieces of destination information are set. If the communication apparatus 4 corresponding to the service stop request is not installed in the financial institution, the telephone number of the window corresponding to the service stop request is set.

≪System processing≫
FIG. 5 is a flowchart showing user registration processing of the service operation system 1. In the user registration process, information necessary for registration is acquired by the terminal 2 and transmitted to the information processing apparatus 3, and information received by the information processing apparatus 3 (mainly the registration application receiving unit 322 of the processing unit 32) from the terminal 2 It is something to remember.

  First, the terminal 2 receives the operation of the operation unit 22 by the user, and displays a registration application screen on the display unit 21 (S501). FIG. 7 is a diagram illustrating a configuration example of the registration application screen G1. The registration application screen G1 includes user identification information, authentication information and financial institution name input fields, and confirmation, correction, and transmission buttons. The user identification information, authentication information, and financial institution name are as described above. The confirmation button is a button for displaying the confirmed input content by clicking when the user completes the input, and the user confirms the correctness of the input content by looking at the displayed content. The correction button is a button for correcting the input content once confirmed by clicking the confirmation button. When the user determines that the input content is incorrect, each input field can be re-entered by clicking the correction button. become. The transmission button is a button for transmitting the input content confirmed by clicking the confirmation button, and when the user determines that the input content is correct, the input content is processed as user registration information by clicking the information. 3 is transmitted. Note that voice recognition may be used when inputting a financial institution name. In that case, the user must clearly pronounce the ending “bank” or “card”, such as XX bank, XX card, etc., and “None” or “Over” when the financial institution name is finished. Follow the rules of saying.

  Returning to FIG. 5, the terminal 2 acquires the user identification information via the registration application screen G1 (S502). As shown in FIG. 7, the user identification information includes a user ID, name, date of birth, address, and telephone number. Note that the user ID does not necessarily need to be acquired, and may be a role assignment that the information processing apparatus 3 provides. In actual online registration of a service, the user ID is generally determined on the system side and notified to the user side, and the personal identification number (password) is generally determined on the user side.

  Subsequently, the terminal 2 acquires authentication information via the registration application screen G1 (S503). The authentication information is a personal identification number or biometric authentication data (fingerprint, vein pattern, etc.). If it is a password, the code input by the operation unit 22 is acquired. For biometric authentication data, a device for acquiring a fingerprint or vein pattern from a user is provided. Further, the terminal 2 acquires the name of the financial institution via the registration application screen G1 (S504). Then, user registration information including the acquired user identification information, authentication information, and financial institution name is transmitted to the information processing apparatus 3 (S505).

  The information processing apparatus 3 receives the user registration information from the terminal 2 (S506), and stores the received user registration information in the storage unit 33 with the configuration of the user registration information 33A (S507). Before storing the user registration information, the user specified by the user identification information uses the service of the financial institution for the communication device 4 corresponding to each financial institution name included in the user registration information. It may be confirmed by inquiring whether or not it is. Then, the information processing apparatus 3 transmits a registration completion notification to the terminal 2 (S508). When the information processing apparatus 3 gives the user ID, the user ID 33A1 is generated and stored in the storage unit 33, and the user ID 33A1 is added to the registration completion notification transmitted to the terminal 2.

  The terminal 2 receives the registration completion notification from the information processing apparatus 3, and displays the received registration completion notification on the display unit 21 (S509). When a user ID is added to the received registration completion notification, the user ID is also displayed. The user ID may be stored in the storage unit 25. According to this, the user can know that the registration has been completed, and can be in contact with the user at any time using the user ID.

  Note that the information processing device 3 stores an expiration date for which registration is valid for each user registration information 33A, and transmits a registration update guidance notice to the terminal 2 before the expiration date arrives. Good. Further, when the information processing apparatus 3 detects that the user has paid a fee necessary for updating the registration, the information processing apparatus 3 may update the registration by updating the expiration date.

  FIG. 6 is a flowchart showing batch stop request processing of the service operation system 1. In the batch stop request process, when the cash card or the passbook is stolen or lost, the terminal 2 notifies the information processing apparatus 3 to that effect, and the information processing apparatus 3 (mainly the lost contact accepting section 323 of the processing section 32). Receives information from the terminal 2, and the information processing device 3 (mainly the service stop request unit 324 of the processing unit 32) makes a service stop request to the communication device 4 of each financial institution.

  First, the terminal 2 receives the operation of the operation unit 22 by the user and displays the first lost contact screen on the display unit 21 (S601). FIG. 8 is a diagram illustrating a configuration example of the lost contact screen G2. The lost contact screen G2 includes an input field for user identification information and buttons for confirmation, correction, and transmission. Since detailed explanation has already been given, it will be omitted. On the lost contact screen G2, it is not necessary to input all the user identification information, and only the user ID may be input. Returning to FIG. 6, next, the terminal 2 acquires the user specifying information via the lost contact screen G2 (S602). Then, the lost notification including the acquired user identification information is transmitted to the information processing apparatus 3 (S603).

  The information processing apparatus 3 receives the loss notification from the terminal 2 (S604). Next, communication destination information 33A7 stored in association with user identification information (such as user ID 33A1) included in the received lost notification is acquired from the user registration information 33A in the storage unit 33. Then, an authentication information request for requesting authentication information is transmitted to the terminal 2 specified by the acquired communication destination information 33A7 (S605). User identification information is added to the authentication information request.

  The terminal 2 receives the authentication information request from the information processing device 3 and displays it on the display unit 21 (S606). FIG. 9 is a diagram illustrating a configuration example of the lost contact screen G3. The lost contact screen G3 includes a display field for user identification information, an input field for authentication information, and buttons for confirmation, correction, and transmission. Since detailed explanation has already been given, it will be omitted. In the user identification information display field, the user identification information added to the authentication information request is displayed. In response to the display of the lost contact screen G3, the user inputs authentication information. Then, the terminal 2 acquires the input authentication information, and transmits the acquired authentication information to the information processing apparatus 3 (S607).

  The information processing device 3 receives the authentication information from the terminal 2 (S608). Next, the authentication information 33A6 stored in association with the user identification information (user ID 33A1, etc.) included in the lost notification received in S604 is acquired from the user registration information 33A in the storage unit 33. Then, the authentication information received from the terminal 2 is collated with the authentication information acquired from the storage unit 33 (S609). As a result of the collation, if the two pieces of authentication information match, the financial institution name 1 (33A8) registered in association with the user identification information (user ID 33A1, etc.) from the user registration information 33A in the storage unit 33. ), The financial institution name 2 (33A9) is acquired and transmitted to the terminal 2 (S610). In this case, the information processing apparatus 3 requests the terminal 2 to select a service stop request from among registered financial institution names.

  Note that identity verification can also be performed by a method different from verification of authentication information. For example, when a lost message is received, it is conceivable that the phone number is registered again. First, when a registration application is received from the terminal 2, the information processing apparatus 3 stores the telephone number of the user in the storage unit 33 in association with the user identification information of the received registration application. Next, when a lost notification is received from the terminal 2, the information processing device 3 acquires the telephone number stored in association with the user identification information of the received lost notification from the storage unit 33, and the acquired telephone Call a number. Then, when the user answers the call when the user calls, the user's phone and the information processing device 3 are connected, so the call between the user and the operator of the business company Is possible. Thereby, identity verification can be performed by exchanging calls between the two.

  The terminal 2 receives the registered financial institution name from the information processing apparatus 3 and displays it on the display unit 21 (S611). FIG. 10 is a diagram illustrating a configuration example of the lost contact screen G4. The lost contact screen G4 includes a display column for user identification information, a check column for a financial institution name, and buttons for confirmation, correction, and transmission. In the check box of the financial institution name, the registered financial institution name received from the information processing apparatus 3 is displayed, and a check box is provided for each financial institution so that the user can select it. In addition, since the detailed description other than that was already performed, it omits. In response to the display of the lost contact screen G4, the user operates the operation unit 22 to select a financial institution related to a stolen or lost card or a passbook. Then, the terminal 2 acquires the selected financial institution name, and transmits the acquired financial institution name to the information processing apparatus 3 (S612).

  In selecting a financial institution name, voice reading and voice recognition may be used. For example, the terminal 2 first reads “Read the name of the financial institution you registered. For each of them, answer“ Yes ”if you want to stop the service, or“ No ”if you do not want to stop. ". Subsequently, while reading out the names of financial institutions one by one, such as “XX bank”, “XX card”, etc., a response of “Yes” or “No” is waited for a predetermined time, and either one is recognized. Then, the name of the financial institution recognized as having received a “yes” response is acquired as selected.

  The information processing apparatus 3 receives the selected financial institution name from the terminal 2 (S613). Next, the element name stored in association with each selected financial institution name (element name 1 if financial institution name 1 is selected) is acquired from the service stop information 33B in the storage unit 33 ( S614). Subsequently, for each financial institution name, the element of the user specifying information corresponding to the acquired element name (name, address, etc.) is acquired from the user registration information 33A of the storage unit 33 (S615). Then, the destination information stored in association with each financial institution name (the destination information 1 in the case of the financial institution name 1) is acquired from the service stop information 33B in the storage unit 33. Furthermore, a service stop request for a card or a passbook corresponding to the element of the acquired user specifying information is transmitted to the communication device 4 specified by each acquired destination information (S616).

  The communication device 4 receives a stop request from the information processing device 3 (S617). In the financial institution, the communication device 4 or another device stops the service for the card or passbook specified by the element of the user specifying information. When the communication device 4 detects that the service stop has been completed, the communication device 4 transmits a stop completion notification to the information processing device 3 (S618). The information processing device 3 receives the stop completion notification from the communication device 4 (S619), and further transmits the received stop completion notification to the terminal 2 (S620). The terminal 2 receives the stop completion notification from the information processing device 3, and displays the received stop completion notification on the display unit 21 (S621). According to this, the user can know that the suspension of the service related to the lost card or passbook has been completed, and can be relieved for the time being.

  Although the embodiment of the present invention has been described above, in order to cause each unit in the information processing apparatus 3 shown in FIG. 2 to function, a program executed by the processing unit 32 is recorded on a computer-readable recording medium. It is assumed that the service operation method according to the embodiment of the present invention is realized by causing a computer to read and execute the recorded program. Note that the program may be provided to the computer via a network such as the Internet, or a semiconductor chip or the like in which the program is written may be incorporated in the computer.

  According to the embodiment of the present invention described above, the information processing apparatus 3 receives the user specifying information from the user terminal 2 and each financial institution (service providing organization) corresponding to the user specifying information. Since the service stop request is transmitted to the communication device 4, when the recording medium is lost, the user can promptly make a service stop request to a plurality of financial institutions with a single contact. Next, a service stop completion notice from the communication device 4 can be transmitted to the terminal 2 of the user and displayed on the display unit 21 of the terminal 2, so that the user has stopped the service related to the lost item. You can know what you did and feel at ease. Subsequently, since the information processing device 3 transmits a service stop request to the communication device 4 of the financial institution selected by the user who lost the card or passbook, it is necessary to stop other than the lost card or passbook. It is not necessary to send a stop request to the communication device 4 of a financial institution with no service.

  Moreover, since the information processing apparatus 3 collates the authentication information registered in advance with the authentication information received at the time of the loss notification of the recording medium, it is possible to eliminate the loss notification from other than the registered user. Furthermore, since the information processing device 3 requests authentication information from the terminal specified by the pre-registered communication destination information and collates the authentication information received as a response, the lost information is received from a user other than the registered user. It can be reliably excluded. Then, the information processing apparatus 3 can transmit a user specifying information including elements necessary for the financial institution to the communication apparatus 4 to make a service stop request corresponding to the financial institution.

  Although the best mode for carrying out the present invention has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and equivalents thereof are also included in the present invention. For example, the following embodiments can be considered.

(1) In the above embodiment, the information processing device 3 stores the name of the financial institution in association with the user identification information at the time of registration application, and transmits the name of the financial institution to the user's terminal 2 at the time of loss notification. Although described so that the user can select the name of the financial institution to stop the service, other methods may be used. For example, the information processing apparatus 3 further stores in advance a card or passbook name (recording medium name) relating to a service provided by the financial institution in association with the name of the financial institution, and stores it in the terminal 2 of the user when lost. The recording medium name may be transmitted so that the user can select the name of the recording medium that has been stolen or lost.

(2) In the above embodiment, when the content of the user registration information 33A stored in the storage unit 33 of the information processing device 3 has changed after the user registration is completed, the registration from the terminal 2 In response to the content change notification, the information processing apparatus 3 changes the registered content. For example, the registered contents can be changed by changing the address 33A4 or the telephone number 33A5, adding or deleting the name of the financial institution. Further, the authentication information is verified before changing the registered contents. This is to prevent changes in registered content by non-registered users.

It is a figure which shows the basic business model in a service operation system. It is a figure which shows the hardware structural example of a service operation system. 3 is a diagram illustrating a functional configuration example of a processing unit 32 of the information processing device 3. FIG. It is a figure which shows the structural example of the data memorize | stored in the memory | storage part 33 of the information processing apparatus 3, (a) shows the structural example of user registration information 33A, (b) shows the structural example of service stop information 33B. . It is a flowchart which shows the user registration process of the service operation system. It is a flowchart which shows the collective stop request | requirement process of the service operation system 1. It is a figure which shows the structural example of the registration application screen G1. It is a figure which shows the structural example of the loss notification screen G2. It is a figure which shows the structural example of the loss notification screen G3. It is a figure which shows the structural example of the loss notification screen G4.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Service operation system 2 Terminal 3 Information processing apparatus 31 Communication part 32 Processing part 33 Storage part 33A User registration information 33A1 User ID (user specific information)
33A2 Name (user identification information)
33A3 Date of Birth (User Specific Information)
33A4 Address (user identification information)
33A5 telephone number (user identification information)
33A6 Authentication information 33A7 Communication destination information 33A8 Financial institution name 1 (providing institution ID)
33B Service stop information 33B1 Financial institution name 1 (providing institution ID)
33B2 Destination information 1
33B3 Element name 1
4 Communication device 5 Network

Claims (9)

A method of operating a service provided by using a recording medium possessed by a user,
An information processing device that is communicably connected to a communication device of the service providing organization associates user specifying information that specifies a user of the service with a providing organization ID that specifies one or more providing organizations. Step to remember,
The information processing device storing destination information for identifying the communication device that is a transmission destination of the service stop request in association with each provider ID;
The information processing apparatus accepting the user identification information;
The information processing apparatus acquiring the provider ID stored in association with the received user identification information;
The information processing apparatus acquiring the destination information stored in association with the acquired provider IDs;
The information processing apparatus transmitting the stop request for the recording medium corresponding to the received user specifying information to the communication apparatus specified by each acquired destination information;
A service operation method comprising: The service operation method according to claim 1,
The information processing apparatus receives the user identification information from a terminal of a user who is communicably connected to the information processing apparatus. The service operation method according to claim 2,
When the information processing apparatus transmits the stop request to the communication apparatus,
The information processing device receiving from the communication device a stop completion notification for notifying that the service related to the recording medium corresponding to the user specifying information is stopped;
The information processing apparatus transmitting the received stop completion notification to the terminal;
A service operation method, further comprising: The service operation method according to claim 3,
When the information processing apparatus acquires the provider ID stored in association with the received user identification information,
The information processing apparatus transmitting the acquired provider ID to the terminal;
The information processing apparatus receiving from the terminal a provider ID selected from the provider IDs transmitted;
The information processing apparatus transmitting the stop request to the communication apparatus specified by the destination information stored in association with the received provider ID;
A service operation method, further comprising: The service operation method according to any one of claims 1 to 4, wherein:
The information processing apparatus storing authentication information in association with the user identification information;
When the information processing apparatus receives the user specifying information,
The information processing apparatus accepting the authentication information;
The information processing apparatus acquiring the authentication information stored in association with the received user identification information;
The information processing apparatus collates the received authentication information with the acquired authentication information;
The information processing device, when the received authentication information and the acquired authentication information match, transmitting the stop request to the communication device;
A service operation method, further comprising: A service operation method according to any one of claims 1 to 5, wherein
The information processing apparatus stores the user's telephone number in association with the user identification information;
When the information processing apparatus receives the user specifying information,
The information processing apparatus acquiring the telephone number stored in association with the received user identification information;
The information processing device calling the acquired telephone number;
A service operation method, further comprising: The service operation method according to any one of claims 1 to 6, comprising:
The user identification information is composed of one or more elements,
The information processing apparatus storing one or more names of the elements in association with the provider organization ID;
When the information processing apparatus receives the user specifying information,
The information processing apparatus acquiring the provider ID stored in association with the received user identification information;
The information processing apparatus acquiring a name of the element stored in association with the provider organization ID;
The information processing apparatus acquiring the element corresponding to the acquired name of the element;
The information processing apparatus transmitting the stop request including the acquired element to the communication apparatus;
A service operation method, further comprising: An information processing apparatus communicatively connected to a communication apparatus of a service providing organization using a recording medium possessed by a user,
Means for associating and storing user specifying information for specifying a user of the service and a providing institution ID for specifying one or more providing institutions;
Means for storing destination information for identifying the communication device that is a transmission destination of the service stop request in association with each provider ID;
Means for receiving the user identification information;
Means for acquiring the provider ID stored in association with the received user identification information;
Means for acquiring the destination information stored in association with each acquired provider ID;
Means for transmitting the stop request for the recording medium corresponding to the received user specifying information to the communication device specified by each acquired destination information;
An information processing apparatus comprising: An information processing apparatus that includes a CPU and a memory, and that is communicably connected to a communication apparatus of a service providing organization that uses a recording medium possessed by a user.
A function of storing user identification information for identifying a user of the service in association with a provider ID for identifying one or more provider organizations;
A function of storing destination information for identifying the communication device that is a transmission destination of the service stop request in association with each provider ID;
A function for receiving the user identification information;
A function of acquiring the provider ID stored in association with the received user identification information;
A function of acquiring the destination information stored in association with the acquired provider IDs;
A function of transmitting the stop request for the recording medium corresponding to the received user specifying information to the communication device specified by each acquired destination information;
A program to realize

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