JP2019109831A - Credibility evaluation system, computer terminal, and transaction method - Google Patents

Abstract

To provide a reliability evaluation system for efficiently performing transactions on the Internet.SOLUTION: A reliability evaluation system includes an associating unit configured to associate pieces of identification information for identifying traders with each other, and an evaluation value generation unit configured to generate a credibility evaluation value indicating the credibility of a trader on the basis of identification information of another trader associated by association means, and further includes an acquisition unit configured to acquire relationship information indicating a family relationship of the trader. The associating unit associates pieces of identification information of traders belonging to the same family with each other on the basis of the relationship information acquired by the acquisition unit. The evaluation value generation unit generates the credibility evaluation value of the trader on the basis of identification information of other family members.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit rating system, a computer terminal, and a transaction method.

  For example, Patent Document 1 discloses a personal credit accumulation and disclosure system for securing the creditworthiness of an individual whose name is posted on the Internet site, including a personal information management unit and a personal credit degree display unit, and The members who wish to disclose their own credit to the users are collected, the personal information management unit accumulates the personal information of each member, registers it for a fee, assigns an ID number and a password to the applicant member, and The display unit includes a home page opened on a web server on the Internet, the applicant member registers related information on the internet site of the user on the home page, and the related information identifies the member linked with the ID number. A personal credit accumulation and disclosure system is disclosed that is characterized by including a for-use keyword.

  Further, in Patent Document 2, for certain electronic commerce, "information that proves that a certain two parties have traded" (hereinafter referred to as transaction certificate) 160a, and "information which evaluates a transaction partner" (hereinafter referred to as comment and Call 140), “the transaction certificate 160a and the comment 140 or a hash or ID that can identify them” (hereinafter referred to as commented transaction certificate) 110a, and “the commented transaction certificate 110a are created by a predetermined method. Evaluation when an electronic signature (hereinafter referred to as an evaluation signature) 150 and "a commented transaction certificate 110a and an evaluation signature 150 or a hash or ID or the like that can identify them" (hereinafter referred to as evaluation information) 100 are defined. A medium for storing information 100 is disclosed.

Japanese Patent Application Laid-Open No. 2002-7601 JP 2007-25829 A

  An object of the present invention is to provide a reliability evaluation system for conducting transactions on the Internet efficiently.

  The credit rating system according to the present invention indicates the credit of the trader based on the trader based on an association unit that associates identification information identifying the traders with each other and identifications of other traders associated by the association unit. And an evaluation value generation unit that generates a credit evaluation value.

  Preferably, the information processing apparatus further includes an acquisition unit that acquires relationship information indicating a family relationship of a trader, and the association unit identifies identification information of the traders belonging to the same family based on the relationship information acquired by the acquisition unit. Are associated with each other, and the evaluation value generation unit generates a credit evaluation value of a trader based on identification information of other family members.

  Preferably, the acquisition unit acquires connection information for a predetermined wireless LAN as information indicating a family relationship.

  Preferably, the information processing apparatus further includes an acquisition unit that acquires relationship information indicating a relationship between the trader's work and the association unit is a trader who belongs to the same work place based on the relationship information acquired by the acquisition unit. The evaluation value generation unit generates the credit evaluation value of the trader based on the identification information of the other traders belonging to the same work place.

  Preferably, the system further includes an attendance management unit that performs attendance management using the identification information of the trader, and the acquisition unit acquires, from the attendance management unit, identification information of the traders belonging to the same work place.

  Preferably, the attendance management unit performs attendance management based on whether or not connection to a predetermined wireless LAN is made.

  Preferably, the communication apparatus further includes a communication unit that mediates communication between traders based on the identification information, and the evaluation value generation unit trades based on communication between the traders mediated by the communication unit. A credit rating value of the party, the communication unit indicating the credit rating value of the trader generated by the rating value generation unit, and exchanging messages between the traders, and an electronic receipt including warranty information Or issue notification of the warranty period.

  Preferably, the information processing apparatus further comprises a service usage information database storing transaction history between traders, and the evaluation value generation unit evaluates the credit of the trader based on the transaction history registered in the service usage information database. Generate a value

  Preferably, based on the settlement information storage unit which stores the settlement information acquired from the trader and the identification information of the trader in association with each other and the settlement information stored in the settlement information storage unit, And a settlement unit for executing settlement.

  Preferably, when a predetermined trader requests registration of another identification information, the evaluation value generation unit causes the trader to receive approval according to another trader associated with the trader. It further has a credit transfer unit that assigns the generated credit rating value to the other identification information.

  A computer terminal according to the present invention is a computer terminal operated by a user, and includes an ID generation unit that generates identification information for uniquely identifying a user on the Internet, and identification information generated by the identification information generation unit. A master data storage unit that stores the master data as master data, and an ID notification unit that notifies the identification information stored in the master data storage unit to the outside.

  Preferably, the ID notification unit notifies identification information stored in the master data storage unit in response to a request from an online service.

  Preferably, the computer terminal is a mobile phone, and the ID generation unit generates identification information of the user based on the telephone number of the mobile phone, and the ID generation unit and the master data storage unit It is realized by dedicated software installed in the mobile phone.

  Preferably, the ID notification unit generates a code image indicating identification information stored in the master data storage unit, and displays the generated code image.

  In the transaction method according to the present invention, the computer terminal of the purchaser transmits the ordering information of the product or service in association with the identification information of the purchaser, and the computer terminal of the seller is associated with the identification information of the purchaser Receiving the specified order information, setting the seller's computer terminal to the received purchaser's identification information in the goods or service ordered by the order information, and the seller's computer terminal identifying information Generating delivery information for delivering to the purchaser the goods or services for which are set.

  It is possible to provide a reliability evaluation system for conducting transactions on the Internet efficiently.

FIG. 1 is a diagram illustrating a hardware configuration of a reliability evaluation system 1; It is a figure which illustrates the hardware constitutions of the service provider terminal 2. FIG. 2 is a diagram illustrating a functional configuration of a service provider terminal 2 FIG. 7 is a diagram illustrating a functional configuration of an evaluation value generation unit 130. It is a figure which illustrates service use information stored in service use information DB600. It is a flowchart of transaction processing (S20) of reliability evaluation system 1.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
First, an outline of the reliability evaluation system 1 will be described.
Conventionally, personal information is not required when a user purchases a product at a real store. However, in the case of online shopping on a Web site, registration of personal information is prompted. The present invention is a mechanism for providing a service on a network to a user in a transaction on the Internet without providing personal information. Specifically, instead of requiring no personal information, the identification information for identifying the user is associated with the reliability of the user, and the provision of the identification information with the reliability provides the service. That is, the relationship between the user and the non-user in real social life (for example, home environment, companionship relationship, working relationship, transaction record, etc.) is visualized on the network as the reliability.

FIG. 1 is a diagram illustrating the hardware configuration of the reliability evaluation system 1.
As illustrated in FIG. 1, the reliability evaluation system 1 includes a service provider terminal 2 and a user terminal 3.
The service providing terminal 2 is a computer terminal. For example, the service providing terminal 2 is a personal computer terminal or a portable computer terminal. The service provider terminal 2 may be a smartphone, a tablet information terminal, or the like. Furthermore, the service provider terminal 2 is associated with one specific user (user 20), and holds identification information (hereinafter referred to as an ID) of the user 20. The service provider terminal 2 uses the ID of the bank, the transaction with a credit card company, the transaction using electronic money, and the credit transfer of the user of the service provider terminal 2 based on the pay transfer from the working place. Measure and associate with ID.
The purchaser terminal 3 is a computer terminal. For example, the purchaser terminal 3 is a personal computer terminal or a portable computer terminal. The purchaser terminal 3 may be a smartphone, a tablet information terminal, or the like. Furthermore, like the service provider terminal 2, the purchaser terminal 3 is associated with one specific user (user 30), and holds the ID of the user 30. The buyer terminal 3 measures the credit of the user 30 based on the transaction performed using the ID, and associates the credit with the ID.
Furthermore, the service provider terminal 2 provides a service on the Internet, and is connected to the purchaser terminal 3 via a network.
Then, the service provider terminal 2 and the purchaser terminal 3 provide or enjoy various services on the Internet based on the ID.

FIG. 2 is a diagram illustrating the hardware configuration of the service provider terminal 2.
As illustrated in FIG. 2, the hardware configuration 200 of the service provider terminal 2 includes a CPU 202, a memory 204, an HDD 206, a network interface 208 (network IF 208), a display device 210, and an input device 212. The configurations are connected to one another via a bus 214.
The CPU 202 is, for example, a central processing unit.
The memory 204 is, for example, a volatile memory and functions as a main storage device.
The HDD 206 is, for example, a hard disk drive, and stores a computer program and other data files as a non-volatile storage device.
The network IF 208 is an interface for wired or wireless communication, and realizes communication with the purchaser terminal 3 and various online services via the Internet.
The display device 210 is, for example, a liquid crystal display.
The input device 212 is, for example, a keyboard and a mouse.
The hardware configuration of the buyer terminal 3 is the same as the hardware configuration of the service provider terminal 2.

FIG. 3 is a diagram illustrating the functional configuration of the service provider terminal 2.
As illustrated in FIG. 3, the service provider terminal 2, the purchaser terminal 3, and the computer terminal providing the service on the network have the credit rating evaluation program 10 installed, and the service usage information database 600 (service usage information DB 600) , Personal information management database 602 (personal information management DB 602), payment information database (payment information DB 700), and master data database (master data DB 702).
Here, the trader means a user who trades using the ID on the Internet in the credit rating system 1.
The credit rating evaluation program 10 has an acquisition unit 100, a relationship prediction unit 102, an attendance management unit 110, an association unit 120, an evaluation value generation unit 130, a communication unit 140, a settlement unit 150 as a credit rating evaluation function for evaluating the credit of the user 20. A credit transfer unit 160, an evaluation value determination unit 170, an ID setting unit 180, and a delivery information generation unit 190 are provided, and an ID generation unit 200 and an ID notification unit 210 are provided as an ID management function for managing IDs.

  The acquisition unit 100 acquires relationship information indicating a family relationship of the user 20. Specifically, the acquisition unit 100 acquires connection information for a predetermined wireless LAN as information indicating a family relationship. More specifically, the ID of the computer terminal connected to the predetermined network is identified as the ID of the family of the user 20. In addition, the acquisition unit 100 acquires relationship information indicating a job relationship of the user 20. Specifically, the acquisition unit 100 acquires, from the attendance management unit 110 (described later), IDs of other users belonging to the same work place. In addition, the acquisition unit 100 acquires the relationship information predicted by the relationship prediction unit 100.

In the credit rating evaluation value system 1, the relationship predicting unit 102 predicts the relationship between the ID of the user 20 and the ID of the other party of communication based on the content communicated using the ID by the user 20. Specifically, when online shopping is performed using the ID, it is assumed that the ID and the ID of the correspondent are in a business relationship. Further, when the salary transfer is regularly performed in the account associated with the user ID, the relationship prediction unit 100 is a company in which the user holds the company ID of the salary transfer source with the user ID and the company ID of the salary transfer source. It is assumed that you are in a working relationship because you are working in
The provision of the service may be authenticated based on the relationship information acquired by the acquisition unit. For example, the authentication factor may be compounded, such as only the ID of a family with an ID having a transaction history, or only an ID working in the same company as the ID having a transaction history, and the service provision may be authenticated based on this.

The attendance management unit 110 performs attendance management using the ID of the user 20. Specifically, the attendance management unit 110 performs attendance management based on whether or not connection to a predetermined wireless LAN is made. More specifically, it is connected to the network within the company where it works and is managed as time stamping.
The working management unit 110 notifies the user of the presence or absence of working, the working place, and the number of years of service as working proof based on the fact that the relationship prediction unit 102 predicts that there is a working relationship, and the attendance management history. The number of years of service may be calculated, for example, from the salary transfer period based on the company ID, or may be calculated from a log of attendance management using the user ID.

  The associating unit 120 associates the IDs identifying the users with each other. Specifically, based on the relationship information acquired by the acquisition unit 100, the IDs of users belonging to the same family are mutually associated. Specifically, the ID of the computer terminal determined to be a computer terminal of a family by the acquisition unit 100 is associated with the ID of the user 20. Further, the associating unit 120 associates the IDs of the users belonging to the same work place acquired by the acquiring unit 100 with each other. Specifically, the ID of the computer terminal determined to be the computer terminal at the same workplace by the acquisition unit 100 is associated with the ID of the user 20.

  The evaluation value generation unit 130 generates, based on the IDs of the other users associated by the association unit 120, a credit evaluation value indicating the credibility in the transaction of the user 20. Specifically, the evaluation value generation unit 130 generates a credit evaluation value of the user 20 based on the ID of another family. Furthermore, the evaluation value generation unit 130 generates a credit evaluation value of the user 20 based on the IDs of other users belonging to the same work place. Further, the evaluation value generation unit 130 generates a credit evaluation value of the user 20 based on the transaction history registered in the service usage information DB 600.

The communication unit 140 mediates communication between traders (the user 20 and the user 30) based on the ID. Specifically, the communication unit 140 transmits / receives a message to / from another user who holds the ID. More specifically, the communication unit 140 indicates the credit evaluation value of the user 20 generated by the evaluation value generation unit 1304, and includes exchange of messages between the user 20 and the user 30, and warranty information. Mediate the delivery of electronic receipts or notification of the warranty period. The electronic receipt, the certificate information, and the warranty period are stored in the service usage information DB 600 that stores the transaction history using the ID.
Since the communication unit 140 can transmit and receive messages using only the ID, there is no need to exchange e-mail addresses between users who transmit and receive messages. Since the credit evaluation value of the user 20 can be indicated by the communication unit 140, the user 30 and the user 20 can judge whether they are suitable as a trading partner or not. Further, since the ID of the trading partner can be identified based on the trading history, the communication unit 140 can communicate with the trading partner.

  The settlement unit 150 executes settlement of the user 20 based on the settlement information stored in the settlement information DB 700. The payment information DB 700 stores payment information obtained from the user 20 in association with the ID of the user 20. Specifically, payment information refers to a payment method in a transaction, and indicates a bank account or a credit account used for payment. Although personal information is not associated with the ID, but the account used for payment is associated, it is possible to prove the existence of the user using the ID. For example, when the ID and the account used for business are associated, if the associated ID is changed, the user of the role that uses the business account changes, etc. It can be confirmed. In addition, when an account used for business is used for settlement and a product is purchased, the type of business can be predicted from the transaction history, and targeted advertisement can be made to the purchaser's ID.

When the predetermined user requests registration of another ID, the credit transfer unit 160 is generated by the evaluation value generation unit 130 for the user according to the approval by the other user associated with the user. Assign a credit rating to another ID.
When the user 20 forgets the ID, the credit transfer unit 160 reissues the ID. Specifically, approval is required for the ID that performs the guarantee registered in the master data DB 702, and when it is approved, the credit evaluation value of the user 20 generated by the evaluation value generation unit 130 is associated with the new ID. That is, since it is the service provider terminal 2 that manages the ID of the user 20, as in the conventional case, when the ID is forgotten, personal information is provided to each service provider and the ID is notified. You do not have to

The evaluation value determination unit 170 determines the credit evaluation value of another user. A reference value of a credit evaluation value for permitting a transaction is set, and it is determined whether the credit evaluation value of another user is equal to or more than the reference value.
The ID setting unit 180 sets the purchaser's ID in the Internet of Things (IoT) product purchased using the ID.
The delivery information generation unit 190 generates delivery information of the product in the established transaction. Specifically, the delivery information generation unit 190 creates a slip indicating the delivery destination.

The ID generation unit 200 generates identification information (ID) for uniquely identifying a user on the Internet. The master data DB 702 stores the ID generated by the ID generation unit 200 as master data of the ID. When the service provider terminal 2 is a mobile phone, the ID generation unit 200 generates the ID of the user 20 based on the mobile phone number, and the ID generation unit 200 and the master data DB 702 are installed in the mobile phone. Is realized by dedicated software. The dedicated software means the credit rating value program 10.
Also, the ID generation unit 200 may periodically and automatically change the generated ID and password.

  The ID notification unit 210 notifies the ID stored in the master data DB 702 to the outside. Specifically, the ID notification unit 210 notifies the ID stored in the master data DB 702 in response to a request from the online service. More specifically, the ID notification unit 210 generates a code image indicating the ID stored in the master data DB 702, and displays the generated code image. Further, in the master data DB 702, IDs of other users who guarantee the IDs of the users are registered.

  For example, when checking in an accommodation facility, the ID notification unit 210 reads a QR code (registered trademark) indicating the entry contents to the accommodation list by the service provider terminal 3, and the user 20 approves the personal information. The personal information of the management DB 602 can be registered in the service of the accommodation facility. Moreover, the ID notification unit 210 converts only the personal information item selected by the user 20 from the registered items into the QR Code (registered trademark) among registered contents, and causes the QR Code (registered trademark) reader to read unnecessary items. It is possible not to register personal information. Thereby, in the accommodation facility, it is possible to save the trouble of entering personal information. In addition, when reading of personal information from personal information management DB 602 is permitted by mutual authentication unit 1314 (described later) or read permission unit 1316 (described later), reading of personal information may be permitted, or mutual authentication. When permitted by the unit 1314 (described later) and the reading permission unit 1316 (described later), the personal information may be read out.

FIG. 4 is a diagram illustrating a functional configuration of the evaluation value generation unit 130.
As exemplified in FIG. 4, the evaluation value generation unit 130 includes a transaction result acquisition unit 1300, a transaction count unit 1302, an evaluation value calculation unit 1304, an electronic certification unit 1306, a new registration unit 1308, an evaluation element value storage unit 1310, And a satisfaction degree reception unit 1312. A mutual authentication unit 1314 and a read permission unit 1316 are provided as security functions.

  The transaction result acquisition unit 1300 acquires, from the plurality of online services, the identity verification completed information indicating that the identity verification of the user 20 has been completed by the plurality of verification institutions performing the identity verification. That is, the transaction result acquisition unit 1300 acquires the result of the transaction established in the user-confirmed online payment service or online administrative procedure that the user 20 is using. The result of the established transaction is the notification of payroll transfer from the working place, the result of payment by credit card, the notification of the deduction of utility charges, and the result of the transaction in the electronic commerce service. The transaction result acquisition unit 1300 acquires these as transaction completion information.

  More specifically, when the payee transfers the salary to the bank account of the user 20, the bank notifies the service provider terminal 2 that the payroll transaction is completed, that is, the transfer notification is made. The transaction result acquisition unit 1300 receives this transfer notification. Similarly, with regard to payment of a credit card, when a credit card withdrawal transaction is successful, a withdrawal notification is made from the credit card company to the service provider terminal 2, and the transaction result acquisition unit 1300 acquires this withdrawal notification. Do. Furthermore, when a product is purchased in the electronic commerce service, the electronic commerce management server managing the electronic commerce notifies the service provider terminal 2 whether or not the withdrawal of the bank is successful, and the transaction result acquisition unit 1300 Accept this settlement result.

  Further, the transaction result acquisition unit 1300 acquires the ID of the online service used by the user 20. This makes it possible to determine to which online service the identity verification information is related.

  The transaction number counting unit 1302 counts the completion information of the transaction acquired by the transaction result acquiring unit 1300 for each service. Specifically, the transaction number counting unit 1302 updates the service usage information of the service usage information DB 600 based on the transaction completion information and the identification information acquired by the transaction result acquisition unit 1300.

  The evaluation value calculation unit 1304 generates a credit evaluation value of the user 20 based on the number of uses of the online payment service or the online administrative procedure by the user 20 and the completion information thereof. Further, the evaluation value calculation unit 1304 generates a credit evaluation value of the user 20 based on the user-confirmed information of the plurality of online services used by the user 20. Specifically, the evaluation value calculation unit 1304 generates a credit evaluation value of the user 20 based on the user confirmed information of the user 20 counted by the number-of-transactions counting unit 1302.

  Further, the evaluation value calculation unit 1304 calculates a credit evaluation value based on the evaluation factor value corresponding to the acquired identification information of the online service among the evaluation factor values stored in the evaluation factor value storage unit 1310. . Specifically, an evaluation factor value is set for each online service, and the evaluation factor value is higher as the number of users of the service or the degree of recognition is higher, and the evaluation factor value is also set higher for the administrative procedure. The higher the socially credible service is used, the higher the credit rating of the user 20 is, and the higher the credit rating.

  In addition, the evaluation value calculation unit 1304 determines the labor status of the user 20 (the number of years of service, the number of late absences, the working attitude, etc.), the transaction status (the number of transactions, the solvency, and the time taken to complete the transaction, etc.) Alternatively, the satisfaction level reception unit 512 receives a communication record via SNS (for example, communication with a company with high social credibility, who participates in a group that is required to receive an invitation, etc.) as a point, and receives it Calculate the credit rating based on the points.

  In addition, in the case where the user 20 is married, for example, the evaluation value calculation unit 1304 may be responsible for protecting the home, so that points of credit may be added. In addition, when transfer of fixed asset tax or debiting of an account is performed based on the ID, the evaluation value calculation unit 1304 may add points of credit according to the tax payment amount. The evaluation value calculation unit 1304 may add points of credit even when payment of a public utility charge (electricity charge, gas charge, or water charge) is performed based on an ID.

In addition, the evaluation value calculation unit 1304 generates a credit evaluation value of the user 20 based on the evaluation factor value received by the satisfaction degree reception unit 1312 (described later).
The credit evaluation value calculated by the evaluation value calculation unit 1304 is stored in the service usage information DB 600 as identification information of the user 20 of the service provider terminal 2. The service usage information DB 600 may be held by the service provider terminal 2 or may be held by a set top box directly connected to the service provider terminal 2 or a USB memory.

The electronic proving unit 1306 outputs the credit evaluation value generated by the evaluation value calculating unit 1304. Specifically, at the time of application for the electronic service applied by the service provider terminal 2, the electronic certification unit 1306 notifies a credit evaluation value as the personal verification information. As a result, when using the electronic service, identity verification with a high degree of confidence can be easily performed.
The electronic certification unit 1306 encrypts the credit evaluation value and notifies the electronic service 5 of it. In addition, the electronic certification unit 1306 may notify identity verification information when permitted by the mutual authentication unit 1314 (described later) or the read permission unit 1316 (described later), or the mutual authentication unit 1314 (described later) and the reading When the permission unit 1316 permits, personal identification information may be notified.

  In addition, the electronic certification unit 1306 may send personal information and personal identification information when applying for the electronic service 5. As a result, when the user 20 newly registers in the electronic service 5, it is not necessary to fill in personal information in the form, and additionally, since the electronic certificate is sent, identity verification can be performed. The personal information management DB 602 manages personal information of the user 20. Personal information includes, for example, name, address, telephone number, date of birth, gender, postal code, mail address, name of company to which the company belongs, number of years of service, address of the company to which it belongs, telephone number, and phone number of the postal code. Say. The personal information management DB 602 may be held by the service provider terminal 2 or may be held by a set top box directly connected to the service provider terminal 2 or a USB memory.

The new registration unit 1308 compares the credit evaluation value of the user 20 calculated by the evaluation value calculation unit 1304 with a reference value set for another online service that the user 20 desires to newly register, Determine whether new registration for online service is possible.
The evaluation factor value storage unit 1310 associates and stores a plurality of online services and evaluation factor values serving as calculation factors of the credit evaluation value.

The degree-of-satisfaction receiving unit 1312 receives an input of an evaluation factor value indicating the degree of satisfaction with the transaction with the user 20 from the transaction partner of the user 20 in the electronic commerce service. Specifically, in the electronic commerce service, the evaluation of the user 20 is accepted as an evaluation factor value, such as having never completed a withdrawal due to a lack of balance.
Further, the degree of satisfaction reception unit 1312 receives an input of an evaluation factor value indicating the degree of satisfaction of the user 20 with respect to the labor situation from the payer's pay source in the payroll transfer service. Specifically, the degree of satisfaction receiving unit 1312 receives the degree of satisfaction via a social networking service (SNS). For example, if the working place and the user 20 have a Facebook (registered trademark) account, and there is a comment from the working place on the page of the user 20, this means that the user 20 is working at the working place As a result, it leads to the social trust of the user 20. That is, the satisfaction level reception unit 1312 receives access from another account in the SNS used by the user 20 as an evaluation factor value, and updates the service usage information.

  Furthermore, accepting the evaluation factor value via the SNS leads to establishing a relationship between the user 20 and the other party (trade partner) of the evaluation factor value. For example, when the service provider terminal 2 receives a comment via SNS, there is some connection between the user 20 and the other party who has transmitted the comment to the user 20, and it is presumed that the ID of the SNS has been exchanged. That is, it can be considered that the user 20 and the transmission partner of the comment (trade partner) were acquainted. Therefore, receiving the evaluation factor value via the SNS can be a determination criterion of the presence or absence of the acquaintance between the user 20 and the communication partner in the SNS. Thereby, when the user 20 issues a remittance instruction via the electronic commerce management server, whether or not the remittance is legitimate based on the presence or absence of the acquaintance with the remittance partner, for example, is there a possibility of fraud? It becomes possible to determine whether or not.

  The mutual authentication unit 1314 determines whether the combination of the service provider terminal 2 and the USB connected to the service provider terminal 2 is correct as the condition for reading out the personal identification information. Specifically, it is determined whether the correspondence between the source code in the application program of the service provider 2 and the source code in the program in the USB connected to the service provider terminal 2 is correct. More specifically, an authentication key is incorporated as a parent program in an application program in the service provider terminal 2 or an HTML file acquired when accessing a site providing an electronic service via the service provider terminal 2. deep. Then, the authentication key is incorporated into the USB as a child program. When the USB in which the authentication key is incorporated is connected to the service provider terminal 2, the mutual authentication unit 1314 determines whether the correspondence between the two is correct, and if correct, determines that the authentication is successful, and the service usage information Or allow access to personal information. As a result, even if the USB storing the service usage information is lost, it is impossible to read out the personal identification information or the personal information only by the USB.

  The read permission unit 1316 is based on the MAC address of the service provider terminal 2, the device ID of the USB memory, and the IP address of the service provider terminal 2 or the device that relays the service provider terminal 2 to the Internet, Allows reading of identity verification information from USB memory. Specifically, the read permission unit 1316 includes the MAC address of the service provider terminal 2, the device ID of the USB memory, and the IP address of the device that relays the service provider terminal 2 or the service provider terminal 2 to the Internet. And collect. The read permission unit 1316 determines whether or not the combination of the read-permitted device information held as the default value matches the collected device information. The IP address is assumed to be IPv6.

  As described above, it is the user's terminal that manages personal information associated with the ID, and the service provider does not manage the user's ID. That is, there is no personal information associated with the user's ID on the service providing server. Therefore, the service provider does not need security measures for personal information protection and does not bear the risk of leakage. And there is no possibility that a user may divert or misuse his / her personal information.

FIG. 5 is a diagram illustrating service use information.
As illustrated in FIG. 5, the service utilization information is associated with an online service provided by the user 20, the number of established transactions in each service, and an evaluation factor value. Here, the online service refers to an online service permitted to be used after the identity verification of the user 20 is performed. The number of completed transactions is the number of transactions completed with settlement, withdrawal, transfer, etc. using each online service. The evaluation factor value is a value indicating the degree of importance according to the degree of recognition of each online service, the number of users, etc., and also includes the degree of satisfaction from the e-commerce partner or the working place. The evaluation value calculation unit 1304 calculates a credit evaluation value based on the number of successful transactions and the evaluation factor value. Further, when calculating the credit evaluation value, the evaluation value calculation unit 1304 may take into consideration the success rate of the transaction and the evaluation factor value indicating the transaction frequency in consideration of the fact that the balance can not be withdrawn due to lack of balance. Furthermore, in the payroll service in the service usage information, the labor situation may be recorded, and the evaluation value calculation unit 1304 may calculate the credit evaluation value in consideration of the labor situation.

FIG. 6 is a flowchart of the transaction process (S20) in the reliability evaluation system 1.
In transaction processing (S20), the case of purchasing a product in the electronic commerce service will be described.
As illustrated in FIG. 6, in step 200 (S200), the communication unit 140 of the buyer terminal 3 associates the ID of the user 30 and the credit evaluation value with the order information.
In step 205 (S205), the communication unit 140 of the purchaser terminal 3 transmits, to the service provider terminal 2, order information in which the ID and the credit evaluation value are associated.
In step 210 (S210), the communication unit 140 of the service provider terminal 2 receives the ID of the user 30, the credit evaluation value, and the ordering information.
In step 215 (S215), the evaluation value determination unit 170 determines whether the credit evaluation value satisfies the standard value for permitting the provision of the product or service. If the reference value is satisfied, the process proceeds to S220. If not, the transaction process (S20) ends.
In step 220 (S215), the ID setting unit 180 of the service provider terminal 2 sets the ID received by the receiving unit 140 to the ordered product or service.
In step 225 (S225), the delivery information generation unit 190 of the service provider terminal 2 generates delivery information for delivering the product or service for which the ID is set to the purchaser. Delivery information indicates a slip in which an address, a delivery address, etc. are registered.
Thus, the setup work for the purchaser to set the ID after the arrival of the product can be omitted.

  In addition to this, for example, a credit evaluation value linked to an ID may be associated with a home page created using an ID, so that it can be clearly indicated that the home page is high in creditworthiness. This allows the viewer to only view trusted websites from the vast number of websites.

  As explained above, since the credit rating system 1 has an account used for settlement associated with the ID, it can prove its existence, and the ID can be used for past transaction results, family relationships, and working relationships. Since the credit evaluation value indicating the credit degree based on is associated, it becomes a standard for judging whether or not it is suitable as a trading partner. The user can provide or enjoy the service on the Internet while concealing personal information, and is not exposed to the risk of personal information leakage.

DESCRIPTION OF SYMBOLS 1 ... Credit degree evaluation system 2 ... Service provider terminal 3 ... Purchaser terminal 20, 30 ... User 10 ... Credit degree evaluation program 100 ... Acquisition part 102 ... Relationship prediction part 110 ... Time management part 120 ... Association part 130 ... Evaluation value generation Unit 140 Communication unit 150 Settlement unit 160 Credit transfer unit 170 Evaluation value determination unit 180 ID setting unit 190 Delivery information generation unit 200 ID generation unit 210 ID notification unit 600 Service utilization information database 602 Individual Information management database 700 ... Settlement upper database 702 ... Master data database 1300 ... Transaction result acquisition unit 1302 ... Transaction number counting unit 1304 ... Evaluation value calculation unit 1306 ... Electronic certification unit 1308 ... New registration unit 1310 ... Evaluation element value storage unit 1312 ... Satisfaction acceptance unit 1314 ... Mutual authentication unit 316 ... read permission unit

Claims (15)

An associating unit associating identification information for identifying traders with each other;
A credit rating evaluation system comprising: a credit evaluation value generation unit that generates a credit evaluation value indicating creditworthiness of a trader's trade based on identification information of another trader associated by the association means. An acquisition unit for acquiring relationship information indicating family relationships of traders, and
The association unit associates identification information of traders belonging to the same family with each other, based on the relationship information acquired by the acquisition unit.
The credit evaluation system according to claim 1, wherein the evaluation value generation unit generates a credit evaluation value of a trader based on identification information of another family. The credit rating system according to claim 2, wherein the acquisition unit acquires connection information for a predetermined wireless LAN as information indicating a family relationship. The system further includes an acquisition unit that acquires relationship information indicating a trader's work relationship,
The association unit associates identification information of traders belonging to the same work place with each other based on the relationship information acquired by the acquisition unit.
The credit rating system according to claim 1, wherein the evaluation value generation unit generates a credit evaluation value of a trader based on identification information of another trader belonging to the same work place. It also has an attendance management department that carries out attendance management using the identification information of the trader,
The credibility evaluation system according to claim 4, wherein the acquisition unit acquires, from the attendance management unit, identification information of traders belonging to the same work place. The credit evaluation system according to claim 5, wherein the attendance management unit performs attendance management based on whether or not connection to a predetermined wireless LAN is made. And a communication unit that mediates communication between traders based on the identification information.
The evaluation value generation unit generates a credit evaluation value of a trader based on communication between the traders mediated by the communication unit,
The communication unit indicates the credit evaluation value of the trader generated by the evaluation value generation unit, and exchanges messages between the traders, issues an electronic receipt including guarantee information, or notifies of a guarantee expiration date. The credit rating system according to claim 1, which mediates. It further has a service usage information database that stores transaction history between traders,
The credit evaluation system according to claim 1, wherein the evaluation value generation unit generates a credit evaluation value of a trader based on a transaction history registered in the service usage information database. A payment information storage unit that stores payment information acquired from a trader and identification information of the trader in association with each other;
The credit rating evaluation system according to claim 1, further comprising: a settlement unit that executes settlement of a trader based on the settlement information stored in the settlement information storage unit. When a given trader requests the registration of another identification information, the credit generated by the evaluation value generator for this trader according to the approval by the other trader associated with the trader The credit rating system according to claim 1, further comprising: a credit transfer unit that assigns a rating value to the other identification information. A computer terminal operated by a user,
An ID generation unit that generates identification information that uniquely identifies a user on the Internet;
A master data storage unit which stores the identification information generated by the identification information generation unit as master data of the identification information;
A computer terminal comprising: an ID notification unit for notifying the identification information stored in the master data storage unit to the outside. The computer terminal according to claim 11, wherein the ID notification unit notifies identification information stored in the master data storage unit in response to a request from an online service. The computer terminal is a mobile phone,
The ID generation unit generates identification information of the user based on the telephone number of the mobile phone,
The computer terminal according to claim 11, wherein the ID generation unit and the master data storage unit are realized by dedicated software installed in the mobile phone. The computer terminal according to claim 11, wherein the ID notification unit generates a code image indicating identification information stored in the master data storage unit, and displays the generated code image. The purchaser's computer terminal transmits ordering information of a product or service in association with the purchaser's identification information;
The seller's computer terminal receives ordering information associated with the purchaser's identification information;
The seller's computer terminal sets the received purchaser's identification information to the goods or service ordered by the order information;
The seller's computer terminal generates delivery information for delivering the goods or services for which the identification information is set to the purchaser.

Images