JP2021165969A - Reliability assurance method, reliability assurance system, and reliability assurance program - Google Patents

Abstract

To provide a method, a system, and a program for obtaining personal information as user information of a lifeline without relying on a change request by a user so that reliability of identification information that is personal information in personal identification items confirmed by a personal verification document based on the law is ensued.SOLUTION: A reliability assurance system connects a reliability assurance server, which stores identification information of personal identification items identified based on a personal verification document, and a lifeline server, which stores information about a person in the identification information obtained based on an usage contract of a lifeline and user information of the lifeline, via a network. The reliability assurance system inquires about a lifeline usage status in the user information from the reliability assurance server to the lifeline server via the network; and if the information that the lifeline is not used is obtained, obtains again the identification information of the personal identification items in the user information when it is determined that the identification information and the user information are inconsistent.SELECTED DRAWING: Figure 1

Description

The present invention relates to a method, system and program for ensuring the reliability of personal information in personal identification matters confirmed by personal identification documents based on the law.

As is well known, financial institutions such as banks and fund transfer companies are obliged to verify the identity of individuals and users who are businesses in order to make basic contracts regarding opening accounts, lending funds, remittances, and transferring funds. When a transaction occurs, the user's identity identification items (for example, in the case of an individual, name, address, date of birth, etc.) are official identification documents (for example, in the case of an individual, a driver's license, passport, etc.) Confirmation by personal number card, health insurance card, etc.) is required, and the reliability of personal information regarding personal identification matters after that is entrusted to regular confirmation means such as declarations from users and postcards by financial institutions. ..

The personal information regarding the personal identification matter of the user is often changed due to changes in the living environment. For example, in Patent Document 1, when the personal information is changed due to a move or the like, the user changes the personal information. The personal information management server that accesses the personal information management server and sends the change information, and receives the change information, sends the change information to the city, the bank, or the electric power company, and the change of the personal information due to the move is made via the network. A method has been proposed that enables the information managed within each company / institution to be updated with a single operation.

Further, in Patent Document 2, the user registers personal information such as name and address and electric company contract information to the agency center terminal, and the user notifies the agency center of the change of personal information by moving. , The agency center requests the contract company to change, and the agency service is proposed in which the contract company changes the personal information.

Japanese Unexamined Patent Publication No. 2001-209693 Japanese Unexamined Patent Publication No. 2003-150693

The conventional method of changing personal information based on a declaration by a user is based on the premise that there is a change request from the user. Therefore, if the user forgets to change the address due to a move, etc., There was a problem that it did not work.

Therefore, the present invention focuses on the fact that changes in personal information due to the movement of users are always reflected in the lifeline necessary for maintaining the life of a person, and the user of the lifeline does not rely on the change request by the user. By obtaining the personal information as information, it is a technical issue to ensure the reliability of the specific information which is the personal information in the personal identification matter confirmed by the personal identification document based on the law.

The technical problem can be solved by the present invention as follows.

That is, the reliability assurance method according to the present invention is based on the first computer that stores the specific information of the personal identification matter specified based on the personal identification document and the specific information acquired based on the lifeline usage contract. This is a method of connecting the person and the second computer that stores the user information of the person's lifeline via a network to ensure the reliability of the specific information in the first computer. The user information corresponding to the specific information is provided by the first computer to the second computer via the network by providing a determination means for determining the consistency between the specific information that identifies the person and the user information. When the second computer inquires about the usage status of the lifeline and obtains information that the lifeline is not used in the user information, the specific information and the user information are obtained by the determination means. It is determined whether or not there is consistency between the two, and if it is determined that there is no consistency, the specific information of the personal identification item in the user information is acquired again.

Further, in the present invention, the specific information when it is determined by the determination means that the reliability is inconsistent in the reliability assurance method may be acquired through the person himself / herself, and the user information based on the lifeline usage contract may be acquired. It may be acquired as specific information.

Further, in the above-mentioned reliability assurance method, the present invention may be an official document in which at least a name and an address or a name and an address are described, and an identity identification matter may be an address or an address.

Further, in the present invention, in any of the above reliability ensuring methods, one or a plurality of lifelines may be selected from electricity, gas and water.

In addition, the reliability assurance system according to the present invention includes the first computer that stores the specific information of the personal identification matter specified based on the personal identification document and the specific information acquired based on the lifeline usage contract. It is a system that secures the reliability of the specific information in the first computer by connecting the person and the second computer that stores the user information of the same person's lifeline via a network, and is used in the first computer. Judgment means for determining the consistency between the specific information that identifies the person and the user information, and the usage status of the lifeline in the user information corresponding to the specific information to the second computer via the network. When the second computer obtains information that the lifeline is not used in the user information as a result of the inquiry by the inquiry means, the specific information is obtained by the determination means. It is determined whether or not there is the consistency between the user information and the user information, and if it is determined that there is no consistency, the specific information of the personal identification item in the user information is acquired again. ..

In addition, the reliability assurance program according to the present invention uses the first computer, which stores the specific information of the personal identification matter specified based on the personal identification document, in the specific information acquired based on the lifeline use contract. Means for connecting to a second computer that stores user information of the lifeline of the person and the same person, and the usage status of the lifeline in the user information corresponding to the specific information to the second computer. Means for making inquiries and means for determining the consistency between the specific information and the user information when the second computer obtains information that the lifeline is not used in the user information as a result of the inquiry. When it is determined that the information is inconsistent, it functions as a means for reacquiring the specific information of the personal identification item in the user information.

Further, in the present invention, the specific information when it is determined by the determination means that the reliability is inconsistent in the reliability assurance program is obtained from the person through the terminal operation of the person.

Further, the reliability assurance program according to the present invention acquires the first computer, which stores the specific information of the personal identification matter specified by the personal identification document based on the law, based on the lifeline use contract. A means for connecting the user information of the person and the lifeline of the same person in the information to the second computer, and the usage status of the lifeline in the user information corresponding to the specific information to the second computer. When the means for inquiring about the above and the result of the inquiry are obtained from the second computer that the lifeline is not used in the user information, the consistency between the specific information and the user information is determined. When it is determined that the information is inconsistent with the means, it functions as a means for acquiring the user information based on the lifeline usage contract as specific information.

According to the present invention, since the user information of the lifeline, which is indispensable for maintaining the life of a person, and the specific information of the personal identification item confirmed by the personal identification document are compared, without relying on the declaration by the user. , It is possible to ensure the reliability of the information regarding the personal identification matters confirmed by the personal identification documents.

It is a block diagram of the reliability assurance system which illustrates one Embodiment of this invention. It is a block diagram which shows the schematic structure of the reliability assurance server illustrated in FIG. It is a data structure diagram of a specific information database. It is a data structure diagram of the access right database. It is a block diagram which shows the schematic structure of the lifeline server illustrated in FIG. It is a data structure diagram of a personal information database. It is a flowchart explaining an example of a reliability assurance program.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

Embodiment 1.

As shown in FIG. 1, the reliability assurance system 1 according to the present embodiment is, for example, a personal identification matter (for example, my number card) specified based on an identity verification document (for example, my number card) according to a law such as the Criminal Revenue Transfer Prevention Law. A reliability assurance server (first computer) 3 that stores specific information database 2 (see FIG. 3) including specific information (for example, the address of a prefecture, city, town, or village), and, for example, an electric power company. Lifeline personal information database 4 that includes user information (prefectures, cities, towns, and villages) of the same items (addresses) as the person and the same person in the specific information acquired based on the electricity (lifeline) usage contract. A lifeline server (second computer) 5 for storing (see FIG. 6) is provided, and the reliability assurance server 3 and the lifeline server 5 are connected via a network 6. Reference numeral 7 denotes a user who has an electricity usage contract with the electric power company, and the user 7 owns a terminal 8 such as a smart device that can be connected to the network 6.

As shown in FIG. 2, the reliability ensuring server 3 includes a first control unit 9 including a central processing unit (CPU) including a main storage unit and a calculation unit, and the specific information database 2. The first storage unit 10 for storing, the first communication unit 11 for connecting to the lifeline server 5 via the network 6, and the program storage unit 12 for storing the reliability assurance program shown in FIG. 7 are provided. The reliability assurance server 3 is installed in a state in which financial institutions such as banks and fund transfer companies can be involved. Input means such as a keyboard and a removable drive, and output means such as a display and a printer are omitted.

The first control unit 9 inquires the lifeline server 5 about the usage status of the lifeline in the user information corresponding to the specific information (inquiry means), and as a result of the inquiry, the lifeline server 5 informs the user information. When the information that the lifeline is not used is obtained in, the consistency between the specific information and the user information is judged (judgment means), and when it is judged that there is no consistency, Control is performed to reacquire the specific information of the personal identification item in the user information.

As shown in FIG. 3, the first storage unit 10 stores a specific information database 2 in which personal information including specific information of a user 7 who uses various services of the financial institution is registered, and is registered. As an example of the personal information provided, the power company that supplies the ID data, the name data, the address data (specific information) that identify the user 7 by the terminal 8, and the electricity that is the lifeline used by the user 7. (Business operator) data, date data that ensures the reliability of specific information, approved data indicating whether or not the user 7 has given permission to rewrite the specific information, and the like are stored. Further, as shown in FIG. 4, for each type of lifeline, for example, in electricity, whether or not the lifeline server 5 owned by the electric power company has an access right to the personal information database 4. The access right database 13 in which the presence / absence data and the like are registered is stored.

As shown in FIG. 5, the lifeline server 5 includes a second control unit 14 including a central processing unit (CPU) including a main storage unit and a calculation unit, and the lifeline personal information database 4. A second storage unit 15 for storing various programs and various data, and a second communication unit 16 for connecting to the reliability ensuring server 3 via the network 6 are provided, and the lifeline server 5 is the user. It is installed in a state where an electric power company that supplies electricity to 7 can be involved. Input means such as a keyboard and a removable drive, and output means such as a display and a printer are omitted.

As shown in FIG. 6, the second storage unit 15 stores a personal information database 4 in which personal information and the like including user information of the user 7 who receives electricity supplied from the electric power company is registered. As an example of the registration data, name data, address data, electricity usage data, etc. are stored as user information of the user 7 acquired based on the lifeline usage contract.

In addition, it is assumed that it is installed in a state where it can be involved, that it is owned, that it is installed in a related organization such as a branch office, or that it is outsourced by contract. Therefore, it may be a support server that ensures the reliability of the specific information in the specific information database 2 entrusted by a financial institution or the like. In addition, it does not have to be installed in a state where it can be involved. Further, the server may be a dedicated device, or may be installed in a general-purpose device to function on a program.

In addition, in this embodiment, the financial institution is a credit card company, a finance leasing company, etc. It may be a residential land / building trader or the like, and a reliability assurance server may be installed in a state in which these businesses are involved.

In addition to smart devices, the terminal 8 may be, for example, a personal computer, a tablet terminal, or a mobile phone. In addition, the network may include the Internet, an intranet, etc., and may be an intranet constructed based on common interests.

In addition, the law refers to a law that states that identity verification is required by official identity verification documents, and in this embodiment, the Act on Prevention of Transfer of Criminal Proceeds, etc. is taken as an example. In addition, as official identity verification documents based on the law, individuals can use driver's licenses, passports, My Number cards, etc., and corporations can use registration certificate, seal registration certificate, etc. As a matter for identifying the person, the name and address or address may be adopted for an individual, and the name and location or location may be adopted for a corporation.

Next, the operation will be described with reference to the reliability assurance program shown in FIG. 7.

If user 7 applies to a financial institution for membership, the information is specific information about the electric power company that supplies the electricity used by user 7, after confirming the identity according to the Act on Prevention of Transfer of Criminal Proceeds. Register personal information including an address in the specific information database 2. In addition, at that time, a contract is concluded to understand that the user information (address) including the electricity usage amount and personal information of the user 7 owned by the electric power company is referred to and acquired. In addition, the financial institution has a contract to share personal information of service users with various lifeline suppliers including the electric power company in advance, access to the personal information database 4, and the user information constructed. The access right database 13 is constructed by concluding a contract that allows the user to refer to and acquire the information.

Regarding the electric power company, a contract for data sharing and access rights has been made in advance and registered in the access right database 13, and the electric power company name declared at the time of the enrollment procedure by the user 7 is in the access right database 13. It is confirmed that the contract has been completed. Therefore, at the first time, after confirming the contract in the access right database 13, the lifeline server 5 may be accessed and the reliability at the time of enrollment may be confirmed by the information in the personal information database 4.

First, under the control of the first control unit 9, it is determined whether or not it is the confirmation time for the user 7 constructed in the specific information database 2 to confirm whether or not he / she resides at the address which is the specific information (). Step s01). Since billing for electricity usage is generated every month, for example, a confirmation period may be set on a monthly basis.

In step s01, if it is the confirmation time, the name and the address which is the personal information of the user 7 and the address which is the specific information (hereinafter, "specification") are sent to the lifeline server 5 via the network 6 based on the specific information database 2. Using the "address" as a key, the usage status of the lifeline at the address (hereinafter, also referred to as "user address") which is the user information in the user 7 is inquired (step s02 (inquiry means)). In response to the inquiry, based on the personal information database 4, information from the lifeline server 5 that there is no history of electricity usage charges at the user address at the same address as the specific address and there is no evidence that electricity has been used (corresponding address). It is determined whether or not (including the information on the existence or nonexistence of) has been obtained (step s03), and when the information that the information is used is obtained, the next confirmation time is updated (step s04) and step s01. Jump to.

When the information that the information is not used is obtained in step s03, the specific address and the user address are referred to by referring to the specific address in the specific information database 2 and the user address in the personal information database 4. It is determined whether or not there is consistency between the two (step s05 (judgment means)), and if the specific address and the user address are the same address, there is consistency, but there is evidence that electricity has been used. However, the user 7 records the information without electricity usage history in the specific information database 2 (step s06) as if he / she is not resident or absent at the time of confirmation, and the next confirmation time is the same as in step s04. Is updated (step s07) and jumps to step s01.

If it is determined that there is no consistency in step s05, it is determined based on the specific information database 2 whether or not the user 7 has obtained the consent to refer to and acquire the user address (step s08), and the consent is obtained. If obtained, the user 7 accesses the personal information database 4 of the electric power company using electricity to obtain the user address of the new address (step s09), and the user uses the specific address in the specific information database 2. Update to the same address as the address (step s10), and jump to step s01.

If consent is not obtained in step s08, the user 7 is inquired via a medium such as paper mail or e-mail (step s11), and a new address is obtained from the user via the terminal 8 or other communication means. If so (step s12), the process jumps to step s10.

The step s09 may be an acquisition step when notification from the lifeline server 5 that the user address has been changed within the same power company from the power company, and may be a different power company due to a move or the like, or If you get information that you have changed to a different lifeline operator, search from the access right database 13 and then access the lifeline operator's personal information database 4 based on the search results to find the new address. It may be a step of obtaining a user address.

In step s03, even if the personal information of the user 7 does not exist, the information that it is not used can be obtained, but if it does not exist, the search is performed after searching from the access right database 13. The process proceeds to step s09 for accessing the personal information database 4 of the lifeline operator based on the result and acquiring the user address of the new address, or proceeds to steps s11 and s12.

Modification example.
As a modification of the first embodiment, the reliability assurance server 3 provides a service that guarantees the reliability of the personal information of the user 7, and is confirmed by the identity verification document of the member who joined to receive the service. It may be a server that builds and updates personal information. The lifeline server 5 may exist separately from the reliability ensuring server 3 or may exist in the same area.

Not limited to laws such as the Act on Prevention of Transfer of Criminal Proceeds, the same effect can be achieved even with laws that require identity verification based on official identity verification documents that will be enforced in the future. Since it can be done, the relevant laws and the like are naturally included.

According to the present invention, since the identity verification can be easily performed, it can be used as a means for ensuring the reliability of the business operator who is obliged to verify the identity based on the law.

1 Reliability assurance system 2 Specific information database 3 Reliability assurance server (first computer)
4 Personal information database 5 Lifeline server (second computer)
6 Network 7 User 8 Terminal 9 1st control unit 10 1st storage unit 11 1st communication unit 12 Program storage unit 13 Access right database 14 2nd control unit 15 2nd storage unit 16 2nd communication unit

Claims (10)

The first computer, which stores the specific information of the personal identification items specified based on the identity verification documents, and the lifeline user information of the person and the same person in the specific information acquired based on the lifeline usage contract are saved. This is a method of ensuring the reliability of the specific information in the first computer by connecting the second computer to the second computer via a network.
The first computer is provided with a judgment means for judging the consistency between the specific information that identifies the person and the user information.
The first computer
Inquire of the second computer via the network about the usage status of the lifeline in the user information corresponding to the specific information.
When the information that the lifeline is not used is obtained from the second computer in the user information,
The determination means determines whether or not there is consistency between the specific information and the user information, and if it is determined that there is no consistency, identification of the person-identifying matter in the user information. A reliability assurance method characterized by reacquiring information. The method for ensuring reliability according to claim 1, wherein the specific information when it is determined by the judgment means that the information is inconsistent is obtained through the person himself / herself. The reliability assurance method according to claim 1, wherein the specific information when it is determined by the judgment means that the information is inconsistent is obtained by acquiring the user information based on the lifeline usage contract as the specific information. The method for ensuring reliability according to any one of claims 1 to 3, wherein the identity verification document is at least a name and address or an official document stating the name and location. The method for ensuring reliability according to claim 4, wherein the personal identification matter is an address or a location. The reliability assurance method according to any one of claims 1 to 6, wherein the lifeline is selected from electricity, gas, and water. The first computer, which stores the specific information of the personal identification items specified based on the identity verification documents, and the lifeline user information of the person and the same person in the specific information acquired based on the lifeline usage contract are saved. A system that secures the reliability of the specific information in the first computer by connecting to the second computer via a network.
A determination means for determining the consistency between the specific information that identifies the person and the user information is provided on the first computer.
It is provided with an inquiry means for inquiring the second computer via the network about the usage status of the lifeline in the user information corresponding to the specific information.
When the second computer obtains information that the lifeline is not used in the user information as a result of the inquiry by the inquiry means,
The determination means determines whether or not there is consistency between the specific information and the user information, and if it is determined that there is no consistency, identification of the person-identifying matter in the user information. A reliability assurance system characterized by reacquiring information. The first computer, which stores the specific information of the personal identification items specified based on the personal verification documents,
A means for connecting to a second computer that stores the lifeline user information of the person and the same person in the specific information acquired based on the lifeline usage contract, and
A means for inquiring the second computer about the usage status of the lifeline in the user information corresponding to the specific information, and
As a result of the inquiry, when the second computer obtains information that the lifeline is not used in the user information, a means for determining the consistency between the specific information and the user information, and
A reliability assurance program that functions as a means to reacquire specific information of personal identification items in the user information when it is determined that they are inconsistent. The reliability assurance program according to claim 8, wherein the specific information obtained from the person through the operation of the person's terminal is obtained when the judgment means determines that the information is inconsistent. The first computer, which stores the specific information of the personal identification matters specified by the personal identification documents based on the law,
A means for connecting to a second computer that stores the lifeline user information of the person and the same person in the specific information acquired based on the lifeline usage contract, and
A means for inquiring the second computer about the usage status of the lifeline in the user information corresponding to the specific information, and
As a result of the inquiry, when the second computer obtains information that the lifeline is not used in the user information, a means for determining the consistency between the specific information and the user information, and
A reliability assurance program that functions as a means to acquire user information based on a lifeline usage contract as specific information when it is determined that it is inconsistent.

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