JP4202314B2 - Personal information management server and program - Google Patents

Description

  The present invention relates to a personal information management server and a program. In particular, the present invention relates to a personal information management server and program for providing personal information of a user to an access provider.

  Conventionally, in order to receive services from an access provider that provides services to the user, the user has been required to provide personal information such as the user's name, address, and telephone number to the access provider (such techniques are described). Could not be found).

  However, when a user gives personal information to an access provider, the user's privacy may leak to outsiders. On the other hand, it has been difficult for a user to receive a service suitable for himself / herself from an access provider without providing personal information to the access provider.

  In order to solve the above-described problem, in the first aspect of the present invention, a personal information management server that provides information about a user to an access provider that provides services to the user, the personal information management server An access supplier ID storage unit that stores an access supplier ID possessed by the supplier and a group predetermined by the user to which the access supplier belongs, and a temporary user ID that can be identified by the personal information management server A user ID storage unit that stores the user information in association with the user's real user ID, a desired information acquisition unit that acquires, from the user terminal of the user, desired information regarding the content of the service that the user wants to receive, and acquisition of desired information Information obtained by the department and access providers of access providers that can provide the contents of the desired information service D is stored in association with the real user ID, the desired information storage unit, and the personal information of the user who is permitted to provide in advance to each group in association with the group to which the access provider belongs and the real user ID A user's temporary user ID and real user ID from the user ID storage unit, acquire desired information and access provider ID corresponding to the acquired real user ID from the desired information storage unit, The personal information corresponding to the group to which the access agent having the acquired access agent ID belongs and the real user ID is acquired from the personal information database, and the temporary user ID, the desired information, and the personal information are accessed with the acquired access agent ID. A personal information providing unit provided to the access provider terminal of the supplier.

  Furthermore, the personal information management server stores the user ID based on the provisional user ID provision unit that provides the user terminal that the user has the provisional user ID stored in the user ID storage unit and the provisional user ID received from the user terminal. A real user ID acquisition unit that acquires a real user ID from the unit, and the desired information acquisition unit, when the real user ID acquisition unit acquires the provisional user ID received from the user terminal from the user ID storage unit It is preferable to obtain the desired information from the user terminal. The provisional user ID is preferably an effective ID from when the provisional user ID provision unit provides the user with the provisional user ID until the user is provided with a service from the access provider.

  Furthermore, the personal information providing unit, when a plurality of access providers are associated with the desired information acquired from the desired information storage unit, the provisional user ID corresponding to the user's real user ID, the desired information, and the individual Information is preferably provided to multiple access providers. It further includes an action history acquisition unit for acquiring the position of the user terminal possessed by the user, the access supplier ID storage unit stores the location of the access supplier in association with the access supplier ID, and the personal information providing unit acquires the action history acquisition When the position of the user terminal acquired by the department is within a predetermined distance range from the location of the access provider stored in the access trader ID storage section, provisional user ID corresponding to the user's real user ID, desired information, and It is preferable to provide personal information to the access provider.

  In addition, when the desired information acquisition unit receives a declaration to start receiving service provision from the user terminal, the personal information providing unit displays the provisional user ID corresponding to the user's real user ID, the desired information, and the individual Information is preferably provided to an accessor. The personal information management server preferably further includes a service providing unit that receives a service associated with the temporary user ID from the access provider and provides the service to a user having the temporary user ID. The personal information management server further includes a time acquisition unit that acquires the current date and time, the desired information storage unit stores information on the date and time when the service of the desired information is started, and the personal information provision unit includes a time acquisition unit When the difference between the current date and time acquired by the service information and the service start date and time stored in the desired information storage unit is within a predetermined range, the temporary user ID corresponding to the user's real user ID, the desired information, and the personal information Is preferably provided to an accessor.

  The personal information management server confirms whether or not the personal information stored in the personal information database is correct using another database that stores at least a part of the personal information, and based on the rating of the reliability of the other database. It is preferable to further include an information level giving unit that stores the level of personal information in the personal information database in association with the personal information. Further, the access trader ID storage unit stores the access trader's IP address in association with the access trader ID, and the personal information providing part is addressed to the access trader's IP address having the access trader ID acquired from the desired information storage part. It is preferable to send the temporary user ID, the desired information, and the personal information. Further, the access trader ID storage unit stores the business type of the access trader in association with the access trader ID, and the access trader that can provide the service content of the desired information acquired by the desired information acquisition part is determined based on the business type of the access trader. It is preferable to further include an access trader selection unit that selects from the access trader ID storage unit.

According to a second aspect of the present invention, there is provided a program for a computer that provides information about a user to an access agent that provides services to the user, the program being an access agent ID that the access agent has and an access agent An access provider ID management function that associates and manages a group determined in advance by a user and a temporary user ID that can be identified by the personal information management server in association with the real user ID of the user A user ID management function to be managed, a desired information regarding the contents of the service that the user wants to receive from the user terminal of the user, a desired information acquired by the desired information acquisition function, and the desired information The access user ID of the access agent that can provide the contents of the service, and the real user I A desired information management function for managing in association with each other, and a personal information management function for managing personal information of users who have been permitted to provide in advance to each group in association with the group to which the access provider belongs and the real user ID The user's provisional user ID and real user ID are acquired from the user ID management function, the desired information and access provider ID corresponding to the acquired real user ID are acquired from the desired information management function, and the acquired access provider ID is The personal information corresponding to the group to which the access agent belongs and the real user ID is acquired from the personal information management function, and the access agent terminal of the access agent having the temporary user ID, the desired information, and the personal information having the acquired access agent ID The personal information providing function provided to the computer is realized on the computer .

  The above summary of the invention does not enumerate all the necessary features of the present invention, and sub-combinations of these feature groups can also be the invention.

  As is apparent from the above description, according to the present invention, a desired service can be provided to a user by providing the access provider with personal information that the user is permitted to provide to the access provider.

  Hereinafter, the present invention will be described through embodiments of the invention. However, the following embodiments do not limit the invention according to the scope of claims, and all combinations of features described in the embodiments are included. It is not necessarily essential for the solution of the invention.

  FIG. 1 shows an outline of the entire personal information management system 100 of the present embodiment. The personal information management system 100 provides the user's personal information to an access provider that provides services to the user. The personal information management system 100 provides the access company with the minimum necessary personal information of the user in order to provide the user with a service suitable for the user, while the access company accumulates the personal information of the user. To prevent. Therefore, the personal information management system 100 can provide a desired service from the access provider to the user while protecting the personal information of the user. The user's personal information is obtained based on the history information and the history information such as the user's current position, purchase history, risk history such as insurance accident history and traffic violation history, financial history, family history, medical history, and history, for example. Attribute information such as user behavior / preference information, risk information, financial information, family information, physical information, and information for identifying the user. Further, the personal information includes information regarding the level of rating about the certainty of the personal information.

  The personal information management system 100 includes a personal information management server 20a, a user terminal 30, and an access provider terminal 40. The personal information management server 20 a accumulates and manages user personal information received from the user terminal 30 via the network 10. Furthermore, when the access provider requests the user's personal information, the personal information management server 20a transmits the personal information of the user permitted to be provided to the access provider via the network 10 by the access provider terminal 40. To provide. The access provider 40 provides a service to the user terminal 30 via the network 10 based on the personal information provided from the personal information management server 20a.

  Here, the personal information management server 20a provides the user's personal information to the access provider terminal 40 using the provisional user ID. The personal information management server 20 a provides a provisional user ID to the user terminal 30 in advance. The provisional user ID is preferably a password that allows the user to be identified by the personal information management server 20a, and the access provider cannot identify who the user is based on the provisional user ID. The provisional user ID is preferably an ID that is valid from when the personal information management server 20a provides the user with the provisional user ID until the user is provided with a service from the access provider. For example, the temporary user ID is preferably a password such as a one-time password that is changed each time the access provider terminal 40 provides a service to the user terminal 30.

  In order to obtain the user's personal information, the access provider terminal 40 acquires the user's provisional user ID and the ID of the personal information management server 20a used by the user from the personal information management server 20a via the user terminal 30. The access company terminal 40 transmits the provisional user ID acquired from the user terminal 30 and the access company ID of the access company to the personal information management server 20 a having the personal information management server ID acquired from the user terminal 30. The personal information management server 20a determines which of the groups predetermined by the user the access company belongs based on the access company ID of the access company.

  The user registers the types of personal information that can be provided to the access agent in advance in the personal information management server 20a for each group to which the access agent belongs. The personal information management server 20a provides personal information to the access provider terminal 40 based on the group to which the access provider belongs and the provisional user ID. The access provider terminal 40 provides a service to the user terminal 30 based on the personal information provided from the personal information management server 20a. Further, the personal information management server 20a acquires the contents of the service provided to the user terminal 30 by the access provider from the access provider terminal 40 and accumulates it as personal information. Furthermore, the personal information management server 20a acquires user location information from the user terminal 30 and manages it as personal information. Furthermore, the personal information management server 20a makes an inquiry to the external database 70 to check whether the personal information stored in the personal information management server 20a is correct information.

  FIG. 2 is a block diagram showing a functional configuration of the personal information management server 20a. The personal information management server 20a includes a group determination unit 50, a user ID storage unit 64, a provisional user ID provision unit 56, a real user ID acquisition unit 54, a personal information database 62, a personal information provision unit 52, a service The content acquisition part 80, the action history acquisition part 58, the information level provision part 72, the personal information acquisition part 92, and the access provider ID storage part 60a are provided.

  The access agent ID storage unit 60a stores the access agent ID possessed by the access agent, the group to which the access agent belongs, and the IP address of the access agent in association with each other. The group determining unit 50 refers to the access provider ID storage unit 60a and determines to which of the groups predetermined by the user the access provider belongs based on the access provider ID. The user ID storage unit 64 stores the temporary user ID in association with the user's real user ID. The provisional user ID provision unit 56 provides the user terminal 30 with the provisional user ID stored in the user ID storage unit 64 and the personal information management server ID. The real user ID acquisition unit 54 acquires the real user ID from the user ID storage unit 64 based on the temporary user ID received from the access provider terminal 40.

  The personal information database 62 stores the personal information of the users that the user has permitted in advance for each group in association with the group to which the access provider belongs and the real user ID of the user. The personal information providing unit 52 acquires, from the personal information database 62, personal information corresponding to the group determined by the group determining unit 50 to which the access agent belongs and the real user ID acquired by the real user ID acquiring unit 54. Provided to the access provider terminal 40. At this time, the personal information providing unit 52 may acquire the IP address of the access agent from the access agent ID storage unit 60a based on the access agent ID, and transmit the personal information to the acquired IP address of the access agent. Good.

  The service content acquisition unit 80 acquires the content of the service provided to the user by the access company from the access company terminal 40 and stores it in the personal information database 62 as the user's personal information. The behavior history acquisition unit 58 acquires a plurality of user behavior histories stored in the personal information database 62. For example, the action history acquisition unit 58 acquires the position of the user terminal 30 from the user terminal 30 for a certain period and stores it in the personal information database 62 as personal information. The information level assigning unit 72 confirms whether or not the personal information stored in the personal information database 62 is correct using the external database 70 shown in FIG. The external database 70 is rated according to the reliability of the external database 70, and the information level assigning unit 72 determines the level of reliability of the confirmed personal information based on the rating of the external database 70, and sets the level. It is stored in the personal information database 62 as personal information.

  When the user uses the personal information management system 100 for the first time, the user transmits the personal information of the user to the personal information management server 20 a using the user terminal 30. At that time, the personal information acquisition unit 92 acquires the user's personal information from the user terminal 30 and stores it in the personal information database 62. Furthermore, when changing the personal information for changing the address or the like, the user uses the user terminal 30 to transmit the user's personal information to the personal information management server 20a. At that time, the personal information acquisition unit 92 updates the content of the personal information stored in the personal information database 62 by acquiring the changed personal information from the user terminal 30 and storing it in the personal information database 62.

  The recording medium 90 includes a group determination unit 50, a user ID storage unit 64, a provisional user ID provision unit 56, a real user ID acquisition unit 54, a personal information database 62, a personal information provision unit 52, a service content acquisition unit 80, and an action history acquisition. The program which performs the operation | movement of the part 58, the information level provision part 72, the personal information acquisition part 92, and the access provider ID storage part 60a is stored. As another method, the personal information management server 20a may acquire a program for performing the above operation via a communication line.

  As described above, the personal information management server 20a according to the present embodiment provides the user's personal information to the access agent based on the provisional user ID and the group to which the access agent belongs. Therefore, the personal information management system 100 can provide a service from the access provider 40 to the user terminal 30 by providing the access provider with personal information that the user has permitted the access provider to provide. Here, the access provider may provide the service directly to the user instead of the user terminal 30. That is, by using the personal information management system 100 of the present embodiment, the user can provide a service by providing the minimum necessary personal information to the access provider.

  FIG. 3 shows an example of the data format of the personal information database 62. The personal information database 62 stores the level information given to each personal information by the information level giving unit 72, the information about the group to which the access provider belongs, the user attribute information, and the user history information, and the user's real user ID “A”. , “B”, “C”, and “D” are stored in association with each other.

  The personal information of the user includes attribute information and history information. The history information includes information on risk history, financial history, family history, medical history, and career history such as the user's location, purchase history, insurance accident history, and traffic violation history. The attribute information includes information such as user behavior / preference information corresponding to each history information, risk information, financial information, family information, physical information, and information for identifying the person.

  The access traders are classified into any of the five groups a to e by the user. The type of personal information that can be obtained from the user by the access provider varies from group to group. For example, an access provider belonging to group a can obtain attribute information of user behavior / preference information from the personal information management server 20a, but risk information, financial information, family information, physical information, and person identification information, It cannot be obtained from the personal information management server 20a. Accordingly, since the access provider belonging to the group a cannot obtain the information for identifying the person from the personal information management server 20a, it cannot identify who the user is to provide the service. However, access providers belonging to group d can obtain user behavior / preference information, risk information, financial information, family information, physical information, and personal identification information from the personal information management server 20a. Who can be identified.

  The level information includes the level given to the personal information by the information level giving unit 70, the confirmation used by the information level giving unit 70 to confirm the correctness of the personal information, and the correctness of the personal information by the information level giving unit 70. Contains information on the date of confirmation. For example, the identification information regarding the name, age, address, telephone number, etc. of the user having the real user ID “A” is confirmed on the basis of a family register copy stored in an external database 70 such as a city hall on May 5, 2002. Has been confirmed. Since the information level assigning unit 72 confirms the person identifying information using the database 70 of the city hall with the credit rating of the information “A”, the information level assigning unit 72 gives the person identifying information the level “A”.

  The access provider uses the level information included in the personal information sent from the personal information providing server 20a to determine whether the personal information provided from the personal information providing server 20a is reliable, and provides service to the user. Can be determined.

  The personal information database 62 has an information aggregation unit 66. The information aggregating unit 66 extracts the behavioral characteristics of the user based on the history information stored in the personal information database 62 and stores it in the personal information database 62 as attribute information. For example, the action history acquisition unit 58 acquires the position of the user terminal 30 and the time when the position of the user terminal 30 is acquired for a certain period, and calculates the moving speed of the user for a certain period based on the position of the user terminal 30 and the acquisition time. And stored in the personal information database 62. In this case, the information aggregating unit 66 extracts the behavioral characteristics of the user such as a tendency that the user tends to give a violation speed when driving the vehicle based on the moving speed of the user terminal 30 during a certain period.

  Further, when the behavior history acquisition unit 58 calculates the user's movement acceleration for a certain period based on the user's movement speed and acquisition time and stores it in the personal information database 62, the information aggregating unit 66 determines that the user terminal in the certain period Based on the 30 movement accelerations, user behavior characteristics such as a tendency to suddenly start or stop when the user drives the vehicle are extracted. Furthermore, when the action history acquisition unit 58 specifies the user's movement area from the position of the user terminal 30 during a certain period, the information aggregation unit 66 tends to move the user over a long distance in a short time based on the movement area. Extract user behavior characteristics. When a user purchases insurance, an insurance company that is an access provider can calculate the user's insurance premium by calculating the user's risk using the attribute information including the user's behavior characteristics as described above. .

  FIG. 4 is a flowchart showing the operation of the personal information management server 20a. First, the personal information management server 20a provides the user terminal 30 with a temporary user ID and a personal information management server ID (S100). Next, the personal information management server 20a receives the provisional user ID acquired from the user terminal 30 by the access agent and the access agent ID of the access agent from the access agent terminal 40 (S102). Next, the personal information management server 20a determines whether or not the provisional user ID received from the access provider terminal 40 matches the stored provisional user ID (S104), and rejects the transaction if it does not match (S104, NO). To the access agent terminal 40 (S120), and the process is completed.

  When the temporary user ID received from the access provider terminal 40 matches the stored temporary user ID (S104, YES), the personal information management server 20a belongs to the access provider based on the access provider ID of the access provider. A group is determined (S106). Next, the personal information management server 20a acquires personal information permitted to be provided to the access provider from the personal information database 62 based on the group to which the access provider belongs and the provisional user ID (S110).

  After the access provider provides a service to the user terminal 30 based on the personal information provided from the personal information management server 20a, the personal information management server 20a displays the contents of the service provided by the access provider to the user. (S112), and the acquired service content is stored in the personal information database 62 as history information (S114). The information aggregating unit generates attribute information based on the history information in the personal information database 62 (S116). Next, the personal information management server 20a changes the temporary user ID and stores it in association with the actual user ID (S118). Thus, since the temporary user ID once used is changed, the access trader cannot access the same user using the same temporary user ID after providing the service to the user. For this reason, the access provider cannot store the user's personal information. In addition, when the access agent belongs to any of the groups a to c, the access agent cannot obtain the personal identification information from the personal information management server 20a. Furthermore, the access provider cannot identify who the user is from the provisional user ID. Accordingly, the personal information management system 100 can protect the user's personal information from access providers.

  Accordingly, by using the personal information management system 100, the user provides the access company with the minimum personal information necessary for receiving services suitable for the user, while the access company accumulates his / her personal information. Can be prevented.

  FIG. 5 shows an outline of the entire personal information system 200 according to another embodiment. In the personal information system 200 of the present embodiment, the content of service and personal information that the user desires to receive the service are registered in advance in the personal information management server 20b. The personal information management server 20b provides the user's personal information to an access provider that can provide the service desired by the user based on the desired information registered by the user.

  The personal information management system 200 includes a personal information management server 20b, a user terminal 30, and a plurality of access provider terminals 40a and 40b. The personal information management server 20 b receives and manages the user's provisional user ID, personal information, desired information, and position information from the user terminal 30 via the network 10. Further, based on the user's desired information, the personal information management server 20b sends the personal information and desired information of the user permitted to be provided to the access providers X and Y by the user, and the provisional user ID. To the access provider terminals 40a and 40b.

  Based on the personal information, desired information, and provisional user ID provided from the personal information management server 20b, the access trader terminal 40a sends the service X, provisional user ID, and access trader to the personal information management server 20b via the network 10. Send ID. Similarly, the access company terminal 40b transmits the service Y, the provisional user ID, and the access company ID to the personal information management server 20b via the network 10. The personal information management server 20b provides the services X and Y received from the access provider terminals 40a and 40b to the user terminal 30 based on the provisional user ID. The access provider terminals 40a and 40b may provide the services X and Y directly to the user without providing the service to the user terminal 30 via the personal information management server 20b. Further, the user may give a direct declaration to the access provider to start or end the provision of the service. In addition, the user may give a declaration to start or end the provision of the service to the access provider via the personal information management server 20b.

  FIG. 6 is a block diagram showing a functional configuration of the personal information management server 20b. The personal information management server 20b includes an access provider ID storage unit 60b, a user ID storage unit 64, a desired information acquisition unit 74, a desired information storage unit 68, a personal information database 62, a personal information provision unit 52, and a provisional information. User ID providing unit 56, real user ID obtaining unit 54, service providing unit 82, service content obtaining unit 80, action history obtaining unit 58, access provider selecting unit 76, information level providing unit 72, personal And an information acquisition unit 92.

  The provisional user ID provision unit 56, real user ID acquisition unit 54, action history acquisition unit 58, personal information database 62, user ID storage unit 64, information level assignment unit 72, and personal information acquisition unit 92 have been described with reference to FIG. Configurations and functions similar to those of the provisional user ID provision unit 56, the real user ID acquisition unit 54, the action history acquisition unit 58, the personal information database 62, the user ID storage unit 64, the information level assignment unit 72, and the personal information acquisition unit 92. Since it has, description is abbreviate | omitted.

  The access trader ID storage unit 60b associates and stores the access trader IDs possessed by the access traders X and Y and a group that is determined in advance by the user to which the access traders X and Y belong. The wish information acquisition unit 74 acquires, from the user terminal 30, desired information regarding the content of the service that the user wants to receive. The wish information storage unit 68 stores the wish information acquired by the wish information acquisition unit 74 and the access trader IDs of the access traders X and Y that can provide the service information of the desired information in association with the real user ID. . Furthermore, when the user declares the start and end of the service, the desired information acquisition unit 74 acquires information related to the start and end of the service from the user terminal 30.

  The personal information providing unit 52 acquires the user's provisional user ID and real user ID from the user ID storage unit 64, and acquires the desired information and access provider ID corresponding to the acquired real user ID from the desired information storage unit 68. The personal information corresponding to the group to which the access traders X and Y having the obtained access trader ID belong and the real user ID is obtained from the personal information database 62, and the provisional user ID, the desired information, and the personal information are obtained. Provided to the terminals 40a and 40b of the access traders X and Y having the trader ID. In addition, when the desired information acquisition unit 74 acquires information on the start and end of service from the user terminal 30, the personal information providing unit 52 receives information on the start and end of service from the access provider terminal 40a or 40b. give.

  The service providing unit 82 receives a service associated with the temporary user ID from the access provider terminals 40a and 40b, and provides the service to the user having the temporary user ID. In addition, the service providing unit 82 confirms with the user whether or not to receive the service when a predetermined condition necessary for providing the service to the user is satisfied. When the access providers X and Y directly provide a service to the user, the service content acquisition unit 80 acquires the content of the service provided to the user from the access provider terminals 40a and 40b, and the personal information database as the user history information 62. The access supplier selection unit 76 selects an access supplier that can provide the service content of the desired information acquired by the desired information acquisition unit 74 from the access supplier ID storage unit.

  The recording medium 90 includes an access provider ID storage unit 60b, a user ID storage unit 64, a desired information acquisition unit 74, a desired information storage unit 68, a personal information database 62, a personal information provision unit 52, a provisional user ID provision unit 56, an actual user. A program for causing the ID acquisition unit 54, service providing unit 82, service content acquisition unit 80, action history acquisition unit 58, access provider selection unit 76, information level assignment unit 72, and personal information acquisition unit 92 to be stored is stored. As another method, the personal information management server 20b may acquire a program for performing the above operation via a communication line.

  As described above, the personal information management server 20b provides the user's personal information and desired information to the access providers X and Y based on the provisional user ID and the group. Therefore, the personal information management system 100 can provide a service from the access provider 40 to the user terminal 30 by providing the access provider with personal information that the user has permitted the access provider to provide. That is, the user can receive a desired service from the access provider by providing the access company with the minimum necessary personal information and desired information using the personal information management system 200 of the present embodiment.

  FIG. 7 shows an example of the data format of the desired information storage unit 68. The desire information storage unit 68 includes the contents of the service desired by the user, the period of receiving the service, the access provider ID of the access provider that can provide the service, the group to which the access provider belongs, information on the contract conditions of the service, and the service to the user. Additional information necessary for provision is stored in association with each of the real user IDs “A”, “B”, “C”, and “D” of the user. The additional information is information necessary for providing a service to the user other than the personal information stored in the personal information database 62. The access trader ID of the access trader that can provide the service may be registered in advance by the user, or may be selected from the access trader ID storage unit 60b by the access trader selection unit 76 based on the business type of the access trader.

  In FIG. 7, examples of the contents of services desired by the user include insurance premium estimation, insurance contract conclusion, event-type insurance, insurance contract condition update, risk diagnosis service, personal comprehensive scheduled insurance, comprehensive risk diagnosis, Responses in the event of an accident, air ticket / train ticket purchase, clothing purchase, hospital examination, resident card issuance, and so on. However, service contents other than those listed in FIG. 7 may be stored in the desired information storage unit 68 as service contents.

  Event-type insurance, which is an example of a service, includes event-related insurance, travel accident insurance, and the like that are temporarily added at a theme park, an exercise facility, or an event venue. In the case of travel accident insurance, the user registers information such as a travel destination and a travel period in the desired information storage unit 68 in advance. Furthermore, the user concludes a basic insurance contract with an insurance company. The contract conditions of the concluded insurance are stored in the desired information storage unit 68 as contract condition information. When a predetermined period set by the user starts, the personal information management server 20b provides the desired information and the personal information of the group c to the insurance company that is the access company having the access company ID “5678”, and the desired information and the group d. Is provided to an insurance company which is an access company having an access company ID “5679”. Therefore, services are provided to the user from the insurance company having the access company ID “5678” and the insurance company having the access company ID “5679”.

  The insurance company can confirm whether the user is heading for the destination registered in the desired information storage unit 68 based on the user location information obtained by the action history acquisition unit 58 from the user terminal 30. Therefore, the insurance company can notify the user that the contract conditions are different from those registered in advance when the user is heading for a destination different from the destination registered in the desired information storage unit 68.

  Next, as an event type insurance, consider a case where an insurance applied when a user participates in an event is sold to a user using an insurance sales apparatus installed at an entrance of a facility such as a theme park. In this case, the user concludes a basic contract with an insurance company in advance for joining event-type insurance. When the personal information providing unit 52 detects that the user has approached a predetermined distance from the insurance sales apparatus installed at the event site via the action history acquiring unit 58, the personal information providing unit 52 Desired information and personal information are provided to the insurance company based on the provisional user ID. The insurance company asks the user whether to take out insurance for this event. When the user agrees to take out insurance and the user declares the start of the event, the insurance company starts providing insurance services to the user. Further, when the user declares the end of the event, the insurance company ends the provision of the insurance service to the user. The user may give information declaring the start and end of the event to the insurance sales apparatus. Further, the user may give information declaring the start and end of the event to the access provider via the personal information management server 20b. In addition, the user may directly provide the access agent with information declaring the start and end of the event.

  Thus, the user can easily join the event-type insurance by registering in advance the service desired to be received in the desired information storage unit 68. Furthermore, since the personal information management server 20b limits the personal information provided to the access provider based on the group to which the access trader belongs, the user needs to provide personal information more than necessary to receive the service to the access trader. There is no.

  Furthermore, as another example of the service, when the user desires to receive the risk diagnosis service from the insurance company, the user receives attribute information regarding the user's behavior / preference from the personal information management server 20b to the insurance company for a certain period of time. Enter into a contract with an insurance company to provide continuously. Information regarding the user's agreement to receive the concluded insurance contract and the risk diagnosis service is stored in the wish information storage unit 68.

  When the personal information management server 20b uses the behavior history acquisition unit 58 and the personal information database 62, the user drives the vehicle based on the history information obtained by tracking the position of the user terminal 30 in a certain period. Attribute information regarding trends such as speed, travel distance, car parking position, etc. is extracted and provided to insurance companies. The insurance company diagnoses the user's risk based on the user's attribute information provided from the personal information management server 20b, and notifies the user of advice for avoiding the risk and review of the insurance premium. Thus, since the personal information management server 20b provides the insurance company with attribute information related to the user's behavior characteristics for a certain period, the insurance company can diagnose the user's risk according to the user's actual situation. . In addition, by using the personal information management server 20b, the user can receive a risk diagnosis service without providing personal information other than the one permitted by the user to the insurance company that is the access provider.

  As yet another example of the service, when the user wishes to receive personal comprehensive scheduled insurance from an insurance company, the user can send the user's behavior / preference, risk information, financial information to the insurance company from the personal information management server 20b. A contract is signed with an insurance company to provide attribute information related to family information, physical information, and personal identification information for a certain period of time. The insurance company collects provisional insurance premiums from the user in advance, and concludes a contract covering the user's multiple risks with the user. Information on the concluded contract and provisional insurance premium is stored in the desired information storage unit 68. The insurance company calculates the risk according to the actual life of the user based on the user's behavior history information for each fixed period, and settles the insurance premium collected from the user in advance.

  Thus, since the personal information database 62 generates attribute information such as user behavior characteristics based on the user's history information, the user can easily join the personal comprehensive scheduled insurance.

  As yet another example of service, consider a case where a user wishes to receive a comprehensive risk diagnosis service. The comprehensive risk diagnosis service is a service for comprehensively diagnosing the user's risk including, for example, the user's financial and physical risks, in addition to the risk due to the user's behavior and preferences considered in the above risk diagnosis service. The personal information management server 20b provides the insurance company with all the personal information stored in the personal information database 62 such as behavior / preference information, risk information, financial information, family information, physical information, and personal identification information. The user stores the access company ID of the insurance company in the access company ID storage unit so that the insurance company that provides the personal information belongs to the group d. Thereby, the user can provide all personal information to the insurance company. The insurance company determines not only the user behavioral risk but also the user's financial risk, etc., and the user's advice to avoid the risk and review of the insurance premium, etc. To the user.

  Thus, since the personal information database 62 generates user attribute information based on the user history information, the user can easily receive the comprehensive risk diagnosis service.

  As yet another example of the service, when the user desires to receive a service related to the response at the time of the accident, the user has personal information such as physical information, personal identification items, and wills when the insurance accident occurs. It is registered in advance in the personal information database 62 and the desired information storage unit 68 so as to be provided to hospitals, fire stations, police stations, courts and the like. Further, the user registers the fire department, hospital, police station, and court in the access trader ID storage unit 60b as the access trader of group b. When the person himself / herself encounters an accident and becomes unconscious, the personal information management server 20b provides personal information and desired information registered in advance to the fire department, hospital, police station, and court, so the fire department, hospital, police The station and the court can take appropriate measures for the user. The service described above may be provided using the personal information management system 100 described with reference to FIGS. For example, in the case of event-type insurance, the insurance sales apparatus, which is an example of the access provider terminal 40 of the access provider, works with the user terminal 30 to acquire a temporary user ID, and uses the acquired temporary user ID to store the personal information management server Personal information may be acquired from 20a, and an insurance service may be provided to the user based on the acquired personal information.

  FIG. 8 shows an example of the data format of the access provider ID storage unit 60b. The access trader ID storage unit 60b stores the group to which the access trader belongs, the IP address of the access trader, the business type of the access trader, and the location of the access trader in association with the access trader ID.

  Since the access provider ID storage unit 60b stores the IP address of the access provider in association with the access provider ID, the personal information providing unit 52 receives the IP address of the access provider having the access provider ID acquired from the desired information storage unit 68. A temporary user ID, desired information, and personal information can be transmitted to the addressee. Therefore, the service of the access provider can be provided to the user quickly.

  Furthermore, since the access trader ID storage unit 60b stores the business type of the access trader in association with the access trader ID, the access trader selection part 76 selects an access trader that can provide the service content desired by the user. It is possible to select from the access trader ID storage unit 60b based on the business type of the access trader. Therefore, even when the user does not know the access provider that can provide the desired service, the user can receive the desired service.

  Furthermore, since the access trader ID storage unit 60b stores the location of the access trader in association with the access trader ID, the location of the user terminal 30 acquired by the action history acquisition unit 58 is stored in the access trader ID storage unit 60b. The personal information providing unit 52 can provide the access trader with the provisional user ID of the user, the desired information, and the personal information when the user is within a predetermined distance range from the location of the access trader. That is, by registering in advance in the wish information storage unit 68 that the user desires the above service, when the user is within a predetermined distance range from the location of the access provider, the user can receive the service from the access provider. It can be received automatically.

  FIG. 9 is a flowchart showing an example of the operation of the personal information management server 20b. The personal information management server 20b provides a provisional user ID to the user terminal 30 in advance (S130). The user terminal 30 accesses the personal information management server 20b using the temporary user ID given from the personal information management server 20b. Therefore, the personal information management server 20b receives the provisional user ID from the user terminal 30 (S132).

  Next, the personal information management server 20b determines whether the received temporary user ID matches the temporary user ID stored in the user ID storage unit 64 (S134). If the received temporary user ID does not match the temporary user ID stored in the user ID storage unit 64 (S134, NO), the personal information management server 20b sends a message rejecting the transaction to the accessing user terminal 30. Then, the process ends (S162). When the received temporary user ID matches the temporary user ID stored in the user ID storage unit 64 (S134, YES), the personal information management server 20b acquires the desired information from the user terminal 30 (S136). As described above, the personal information management server 20b authenticates the user terminal 30 to be accessed, so that a person who is not registered in the personal information management system 200 in advance wants a service that the user does not want to use the desired information storage unit 68. Prevent registration with.

  Next, the personal information management server 20b stores the desired information acquired from the user terminal 30 in the desired information storage unit 68 (S138), and acquires the current date and time (S140). The personal information management server 20b determines whether or not the difference between the start date / time of the service provision period of the desired information stored in the desired information storage unit 68 and the acquired current date / time is within a predetermined range (S142). When the difference between the acquired current date and time and the start date and time of the service providing period is not within the predetermined range (S142, NO), the personal information management server 20b waits for a certain period (S160) and acquires the current date and time again (S140). ). When the difference between the acquired current date and time and the start date and time of the service provision period is within a predetermined range (S142, YES), the personal information management server 20b selects the individual corresponding to the group to which the access provider belongs and the user's real user ID. Information is acquired from the personal information database 62 (S148), and personal information and desired information are provided to the accessor (S150).

  Next, the personal information management server 20b receives the access provider ID, provisional user ID, and service from the access provider, and provides the service to the user terminal 30 having the received provisional user ID (S152). Next, the personal information management server 20b stores the contents of the service provided to the user as history information in the personal information database 62 (S154). Thereafter, after the attribute information generation step (S116) and the provisional user ID change process (S118) described with reference to FIG. 4, the process ends. It is preferable that the temporary user ID is automatically updated at regular intervals and provided to the user so that the temporary user ID is not reused by the access provider. The service provision may be terminated when the difference between the end date / time of the service provision period of the desired information stored in the desired information storage unit 68 and the acquired current date / time is within a predetermined range.

  In FIG. 9, the personal information management server 20 b receives a service from an access provider and provides the received service to the user terminal 30. However, the access provider may provide the service directly to the user terminal 30 after the personal information is provided from the personal information management server 20b. In this case, the service content acquisition unit 80 acquires the content of the service provided to the user by the access company from the access company terminal 40 and stores it as history information in the personal information database 62.

  FIG. 10 is a flowchart showing another example of the operation of the personal information management server 20b. The process from the step of providing the temporary user ID (S130) to the step of storing the desired information (S138) is the same as the process described with reference to FIG. The personal information management server 20b stores the desired information acquired from the user terminal 30 in the desired information storage unit 68 (S138), and then acquires the user's location information from the user terminal 30 (S192).

  Next, the personal information management server 20b determines whether the location of the access agent stored in the access agent ID storage unit 60b and the position of the user acquired by the action history acquisition unit 58 are within a predetermined distance range. (S194). If the acquired user location and the location of the access provider are not within the predetermined range (S194, NO), the personal information management server 20b waits for a certain period of time (S208) and acquires the user location information again (S192). . When the acquired user position and the location of the access agent are within a predetermined distance range (S194, YES), the personal information management server 20b displays the personal information corresponding to the group to which the access agent belongs and the real user ID of the user. Is acquired from the personal information database 62 (S195).

  Next, the personal information management server 20b asks the user whether to start providing the service (S196). When a declaration for starting the service provision is not received from the user terminal 30 (S197, NO), waiting for a predetermined time (S212), the user is asked whether or not the service provision is started again (S196).

  When a declaration for starting the provision of service is received from the user terminal 30 (S197, YES), the personal information management server 20b provides the access information with the personal information and desired information acquired from the personal information database 62 (S198). Next, the personal information management server 20b receives the access provider ID, the provisional user ID, and the service from the access provider, and provides the service to the user terminal 30 having the received provisional user ID (S200). Next, when a declaration for ending service provision is received from the user terminal 30 (S201), the personal information management server 20b terminates service provision and stores the contents of the service provided to the user in the personal information database 62 as history information. (S202). Thereafter, after the attribute information generation step (S116) and the provisional user ID change process (S118) described with reference to FIG. 4, the process ends. The personal information management server 20b provides a service when the location of the access provider stored in the access provider ID storage unit 60b and the position of the user acquired by the action history acquisition unit 58 are outside the predetermined distance range. May be terminated.

  Similar to the personal information management system 100 described with reference to FIGS. 1 to 4, by using the personal information management system 200, the user can obtain the minimum personal information necessary for the access provider in order to receive a service suitable for the user from the access provider. On the other hand, access providers can be prevented from accumulating their personal information. Furthermore, even if the user does not request the service from the access provider himself / herself, the service desired by himself / herself is stored in the desired information storage unit 68 as desired information in advance, so that the minimum necessary personal information is automatically transmitted to the access provider. The desired service from the access provider. Therefore, the user can easily receive a desired service while protecting personal information.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiment. It is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

FIG. 1 shows an outline of the entire personal information management system 100 of the present embodiment. FIG. 2 is a block diagram showing a functional configuration of the personal information management server 20a. FIG. 3 shows an example of the data format of the personal information database 62. FIG. 4 is a flowchart showing the operation of the personal information management server 20a. FIG. 5 shows an outline of the entire personal information system 200 according to another embodiment. FIG. 6 is a block diagram showing a functional configuration of the personal information management server 20b. FIG. 7 shows an example of the data format of the desired information storage unit 68. FIG. 8 shows an example of the data format of the access provider ID storage unit 60b. FIG. 9 is a flowchart showing an example of the operation of the personal information management server 20b. FIG. 10 is a flowchart showing another example of the operation of the personal information management server 20b.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Network, 20a, 20b ... Personal information management server, 30 ... User terminal, 40, 40a, 40b ... Access agent terminal, 50 ... Group judgment part, 52 ... Personal information Providing unit, 54 ... real user ID obtaining unit, 56 ... provisional user ID providing unit, 58 ... action history obtaining unit, 60a, 60b ... access provider ID storage unit, 62 ... personal information Database 64... User ID storage unit 68. Desired information storage unit 70. External database 72. Information level assigning unit 74. Desired information acquisition unit 76 Access Contractor selection unit, 80 ... service content acquisition unit, 82 ... service provision unit, 92 ... personal information acquisition unit, 100, 200 ... personal information management system

Claims (12)

A personal information management server that provides information about the user to an access provider that provides services to the user,
An access agent ID storage unit for storing an access agent ID possessed by the access agent and a group predetermined by the user to which the access agent belongs;
A user ID storage unit that stores a temporary user ID that can be identified by the personal information management server in association with the real user ID of the user;
A personal information database that stores personal information of the user that the user has previously permitted to provide to each of the groups in association with the group to which the access provider belongs and the real user ID;
A desired information acquisition unit for acquiring desired information regarding the contents of the service that the user wants to receive from the user terminal of the user;
The desired information storage unit that stores the desired information acquired by the desired information acquisition unit and the access provider ID of the access provider that can provide the content of the service of the desired information in association with the real user ID When,
Acquiring the provisional user ID and the real user ID of the user from the user ID storage unit, acquiring the desired information and the access provider ID corresponding to the acquired real user ID from the desired information storage unit; The personal information corresponding to the group and the real user ID to which the access trader having the obtained access trader ID belongs is obtained from the personal information database, and the provisional user ID, the desired information, and the personal information are obtained. A personal information management server comprising: a personal information providing unit that provides the access provider terminal of the access provider having the acquired access provider ID. A provisional user ID providing unit that provides the user terminal that the user has the provisional user ID stored in the user ID storage unit;
A real user ID acquisition unit that acquires the real user ID from the user ID storage unit based on the provisional user ID received from the user terminal;
The desired information acquisition unit acquires the desired information from the user terminal when the real user ID acquisition unit acquires the temporary user ID received from the user terminal from the user ID storage unit. The personal information management server according to claim 1, wherein: The provisional user ID is a valid ID from when the provisional user ID providing unit provides the user with the provisional user ID until the user is provided with the service by the access provider. The personal information management server according to claim 2, wherein: The personal information providing unit, when a plurality of access providers are associated with the desired information acquired from the desired information storage unit, the temporary user ID corresponding to the real user ID of the user, The personal information management server according to claim 1, wherein the desired information and the personal information are provided to a plurality of the access providers. An action history acquisition unit that acquires the position of the user terminal of the user;
The access trader ID storage unit stores the location of the access trader in association with the access trader ID,
When the position of the user terminal acquired by the action history acquisition unit is within a predetermined distance range from the location of the access supplier stored in the access supplier ID storage unit, the personal information providing unit is The personal information management server according to claim 1, wherein the temporary user ID, the desired information, and the personal information corresponding to the real user ID are provided to the access provider. When the desired information acquisition unit receives from the user terminal a declaration to start receiving service provision, the personal information providing unit, the provisional user ID corresponding to the real user ID of the user, The personal information management server according to claim 1, wherein desired information and the personal information are provided to the access provider. The service provider according to claim 1, further comprising: a service providing unit that receives the service associated with the temporary user ID from the access provider and provides the service to the user having the temporary user ID. Personal information management server. A time acquisition unit for acquiring the current date and time;
The desired information storage unit stores date and time information for starting the service of the desired information,
The personal information providing unit, when a difference between the current date and time acquired by the time acquisition unit and a start date and time of the service stored in the desired information storage unit is within a predetermined range, The personal information management server according to claim 1, wherein the provisional user ID, the desired information, and the personal information corresponding to a real user ID are provided to the access provider. Whether or not the personal information stored in the personal information database is correct is confirmed using another database that stores at least a part of the personal information, and the personal information is based on a rating of reliability of the other database. 2. The personal information management server according to claim 1, further comprising an information level assigning unit that stores an information level in the personal information database in association with the personal information. The access trader ID storage unit stores the access trader's IP address in association with the access trader ID,
The personal information providing unit sends the provisional user ID, the desired information, and the personal information to the IP address of the access provider having the access provider ID acquired from the desired information storage unit. The personal information management server according to claim 1. The access trader ID storage unit stores the business type of the access trader in association with the access trader ID,
An access provider selecting unit that selects from the access provider ID storage unit the access provider that can provide the service content of the desired information acquired by the desired information acquisition unit; The personal information management server according to claim 1, wherein: A program for a computer that provides information about the user to an access provider that provides services to the user,
An access agent ID management function for managing an access agent ID possessed by the access agent in association with a group determined in advance by the user to which the access agent belongs;
A user ID management function for managing a temporary user ID that can be identified by the personal information management server in association with the real user ID of the user;
A desired information acquisition function for acquiring desired information regarding the contents of the service that the user wants to receive from the user terminal of the user;
Desired information management function for managing the desired information acquired by the desired information acquisition function and the access provider ID of the access provider capable of providing the contents of the service of the desired information in association with the real user ID When,
A personal information management function for managing personal information of the user that the user has previously permitted to provide to the group in association with the group to which the access provider belongs and the real user ID;
The provisional user ID and the real user ID of the user are acquired from the user ID management function, and the desired information and the access provider ID corresponding to the acquired real user ID are acquired from the desired information management function, The personal information corresponding to the group and the real user ID to which the access company having the acquired access company ID belongs is acquired from the personal information management function, and the provisional user ID, the desired information, and the personal information are acquired. Providing personal information to the access provider terminal of the access provider having the acquired access provider ID;
A program characterized by causing a computer to realize .

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