JP7029726B2 - Judgment system, judgment method and program - Google Patents

Description

The present invention relates to a determination system, determination method and program.

Generally, in insurance such as life insurance, the premium is determined according to the age at the time of contract of the person who wishes to contract the insurance (see, for example, Patent Document 1). Dementia insurance has also been released as an insurance product in recent years. For example, a certain dementia insurance is designed to provide insurance money when a person is diagnosed with dementia such as Alzheimer's disease and the symptoms such as being unable to recognize the time and place continue for a certain period of time. .. It is said that the older people are, the more likely they are to have dementia.

Japanese Unexamined Patent Publication No. 2011-165220

When contracting for dementia insurance, it is conceivable to conduct a cognitive test on the contract applicant in order to check the current cognitive function of the contract applicant's brain. If you do this in front of an insurance company, it is easy to verify your identity, but if you do it remotely using a smartphone, for example, the person who wants to take the cognitive test is actually taking the cognitive test. It is difficult to confirm whether or not you are the person. For this reason, for example, an elderly contract applicant may have his / her son take a cognitive test and provide better test results. Such a situation in which spoofing cannot be detected is not appropriate for providing dementia insurance, and countermeasures are required. It should be noted that such a problem is not limited to the cognitive ability test, but may occur in all tests in which the test results differ depending on the age.

Therefore, an object of the present invention is to provide a determination system, a determination method, and a program capable of detecting a user's spoofing act.

The determination system according to one aspect of the present invention is a determination system for determining whether or not the user himself / herself has taken the test, and is a storage unit that stores a statistical distribution for each age regarding the test result of the test and a user who takes the test. The acquisition unit that acquires the user information including the age of the user and the test result of the test that the user received, and the acquired test result correspond to the age of the user included in the acquired user information in the statistical distribution by age. It has a determination unit for determining that a person other than the user may have taken the test when the test result is equal to or higher than the test result corresponding to the higher predetermined ratio in the statistical distribution.

The determination method according to one aspect of the present invention is a determination method performed by a determination system for determining whether or not the user himself / herself has taken the test, and is user information including the age of the user to be tested and the test received by the user. The step of acquiring the test result of the above and the acquired test result are the upper predetermined in the statistical distribution corresponding to the age of the user included in the acquired user information among the statistical distributions by age regarding the test results of the test. If it is equal to or greater than the test result corresponding to the ratio of, it has a step of determining that a person other than the user may have taken the test.

The program according to one aspect of the present invention is a program for determining whether or not the user himself / herself has taken the test, and the computer is subjected to user information including the age of the user to be tested and the test result of the test taken by the user. And the acquired test result is in the upper predetermined ratio in the statistical distribution corresponding to the age of the user included in the acquired user information in the statistical distribution by age regarding the test result of the test. If it is more than the corresponding test result, it is operated as a step of determining that a person other than the user may have taken the test.

According to the present invention, it is possible to provide a determination system, a determination method, and a program capable of detecting a user's spoofing behavior.

It is a figure which shows the system configuration example of the information processing system which concerns on embodiment. It is a figure which shows the configuration example of the test providing apparatus. It is a figure which shows an example of a statistical information DB. It is a figure which shows the configuration example of a terminal. It is a flowchart which shows an example of the processing procedure when an information processing system performs a cognitive ability test. It is a figure which shows the example of the result of estimating the age and gender of a user. It is a figure which shows the example of the result of estimating the similarity of two face images.

A preferred embodiment of the present invention will be described with reference to the accompanying drawings, assuming that the user takes a cognitive test in order to take out dementia insurance. In each figure, those with the same reference numerals have the same or similar configurations.

<System configuration>
FIG. 1 is a diagram showing a system configuration example of the information processing system 1. As shown in FIG. 1, the information processing system 1 includes a test providing device 10 and a terminal 20. The test providing device 10 and the terminal 20 can communicate with each other via the communication network N. The test providing device 10 is an information processing device that provides a cognitive ability test for dementia insurance to the terminal 20. The test providing device 10 is composed of one or a plurality of computers. The test providing device 10 may be built in a cloud environment. The communication network N is composed of a LAN, a WAN, a wired or wireless network, the Internet, or the like.

The terminal 20 is a terminal used by a user who desires a contract for dementia insurance to take a cognitive ability test, and is, for example, a smartphone, a tablet terminal, a personal computer, a mobile terminal, or the like. The terminal 20 has software for using the cognitive test (for example, a web browser or a dedicated application). The test result of the cognitive ability test conducted by the user using the terminal 20 (hereinafter referred to as "cognitive ability score") is stored in the test providing device 10, and when the user contracts for dementia insurance, an insurance company or the like. Used in.

Further, the test providing device 10 determines whether or not the user himself / herself has taken the cognitive ability test when the user who desires the contract for dementia insurance has taken the cognitive ability test. If it is determined that spoofing may have been performed, for example, the cognitive ability of the user may be remeasured by conducting a detailed test on the user again at an insurance company that has a dementia insurance contract. Will be done.

<Hardware configuration / Functional block configuration>
FIG. 2 is a diagram showing a configuration example of the test providing device 10. The test providing device 10 includes a CPU (Central Processing Unit) 11, a storage device 12, a communication interface 13 for performing wired or wireless communication, and a user interface 14. The storage device 12 includes a RAM (Random Access Memory), a ROM (Read Only Memory), an HDD (Hard Disk Drive), an SSD (Solid State Drive), and the like. The user interface 14 includes an information input device such as a mouse, a keyboard and a touch panel, an information output device such as a speaker and a display, and the like.

A program for operating the test providing device 10 is stored in the storage device 12, and the CPU 11 executes the program to cause the test providing unit 111, the acquisition unit 112, and the determination unit 113 described below. It can be realized. Further, the program can be stored in a recording medium. The recording medium in which the program is stored may be a non-temporary recording medium. The non-temporary recording medium is not particularly limited, but may be, for example, a recording medium such as a USB memory or a CD-ROM.

The storage device 12 stores user information 121 regarding a user undergoing a cognitive ability test, and statistical information DB 122 showing a statistical distribution for each age of the test results in the cognitive ability test. The user information 121 includes the name, age, and gender of the user who takes the cognitive test. Further, the user information 121 may further include a face image taken by the user in advance or an image including the face image. The image including the face image may be an image obtained by taking or scanning an identification card including the user's face image.

In the statistical information DB 122, the test results of the cognitive ability test conducted by a predetermined number of healthy persons (hereinafter referred to as "cognitive ability score") are classified by age (for example, all ages from 20 to 100 years old). Statistical data showing the statistical distribution is stored. Here, an example of the statistical information DB 122 is shown in FIG. In the example of FIG. 3, the cognitive score of the cognitive test performed by healthy subjects aged 40, 50, and 60 is shown as a normal distribution, and it can be seen that the cognitive score decreases with age. It is shown.

The test provider 111 provides a cognitive test to the terminal 20 via the communication interface 13. Here, the cognitive ability test is a test for checking the cognitive function of the brain. The content of the cognitive test includes, for example, calculations such as addition and subtraction, Stroop, N-Back, and word prescription, but is not limited thereto.

The test providing unit 111 has, for example, a Web server function, and may display the screen of the cognitive ability test on the Web browser of the terminal 20. Alternatively, the test provider 111 can execute the cognitive test by linking with an application dedicated to the cognitive test executed on the terminal 20 side (so-called smartphone application, Web content written in a script language, etc.). The application may execute a part of various necessary processes, and the test providing unit 111 may take charge of the remaining processes. Alternatively, the terminal 20 operates as a user interface that displays the cognitive ability test and accepts the input of the cognitive ability test answer, and performs various processes (calculation of the cognitive ability score based on the answer contents, etc.) necessary for executing the cognitive ability test. The test provider 111 may do this. Alternatively, various processes related to the execution of the cognitive ability test are performed on the terminal 20 side, and the cognitive ability score finally calculated on the terminal 20 side is transmitted from the terminal 20 to the test providing device 10. May be good.

The acquisition unit 112 acquires user information 121 including the age of the user who takes the cognitive ability test from the storage device 12. Further, the cognitive ability score of the user who has undergone the cognitive ability test is acquired from the terminal 20 or the test providing unit 111. Further, the acquisition unit 112 may acquire the face image of the user taken by the terminal 10 while the user is undergoing the cognitive ability test from the terminal 10.

The determination unit 113 determines whether or not the user who has undergone the cognitive ability test is the user who has a dementia insurance contract. For example, the determination unit 113 corresponds to the cognitive ability score of the user who has undergone the cognitive ability test at a higher predetermined ratio in the statistical distribution corresponding to the user's age among the statistical distributions stored in the statistical information DB 122. If it is equal to or higher than the cognitive ability score, it is determined that a user other than the user himself / herself (a person different from the user who has taken the cognitive ability test) may have taken the cognitive ability test. In other words, the determination unit 113 determines that spoofing may have been performed when the cognitive ability score of the user who took the cognitive ability test is considered to be too high as compared with a healthy person of the same age. Further, in the determination unit 113, a user other than the user himself / herself performs a cognitive ability test based on the facial image of the user taken by the terminal 10 while the user is undergoing the cognitive ability test acquired by the acquisition unit 112. It may be determined whether or not it may have been received.

FIG. 4 is a diagram showing a configuration example of the terminal 20. The terminal 20 has a CPU 21, a storage device 22, a communication interface 23 for wired or wireless communication, a user interface 24, and a camera 25. The storage device 22 includes a RAM, a ROM, an HDD, an SSD, and the like. The user interface 24 includes an information input device such as a mouse, a keyboard and a touch panel, an information output device such as a speaker and a display, and the like.

A program for operating the terminal 20 is stored in the storage device 22, and when the CPU 21 executes the program, the communication unit 211, the UI (User Interface) unit 212, and the photographing unit 213 described below are described. And the authentication unit 214 can be realized. Further, the program can be stored in a recording medium. The recording medium in which the program is stored may be a non-temporary recording medium. The non-temporary recording medium is not particularly limited, but may be, for example, a recording medium such as a USB memory or a CD-ROM.

The communication unit 211 transmits and receives various data related to the cognitive ability test to and from the test providing device 10 via the communication network N.

The UI unit 212 displays the screen of the cognitive ability test provided by the test providing device 10 on the display of the terminal 20. It also accepts input of answers regarding cognitive test. The UI unit may be, for example, a Web browser, or may be a function realized by a cognitive test-dedicated application running on the terminal 20.

The photographing unit 213 uses the camera 25 included in the terminal 20 to photograph the user's facial image while the user is undergoing a cognitive ability test. The captured face image is transmitted to the test providing device 10 via the communication unit 211. The photographing unit 213 may activate the camera 25 in the background to perform photography while the cognitive ability test is being executed.

The authentication unit 214 collates, for example, an image of a user who owns the terminal 20 registered in advance in the storage device 22 of the terminal 20 with an image of the user taken by using the camera 25 included in the terminal 20. , Authenticate that the user using the terminal 20 is the user who owns the terminal 20. The authentication process performed by the authentication unit 214 is intended to be a personal authentication function provided in the OS (Operation System) of the terminal 20. Instead of collating the user's image, the authentication unit 214 authenticates by collating the fingerprint of the user who owns the terminal 20 registered in advance with the fingerprint acquired by the fingerprint sensor included in the terminal 20. May be done.

The terminal 20 may include all or part of the functional block configuration included in the test providing device 10 described above. That is, the division of functions between the test providing device 10 and the terminal 20 is not limited to the above configuration. For example, the terminal 20 may include a test providing unit 111, an acquisition unit 112, and a determination unit 113, and the user information 121 and the statistical information DB 122 may be stored in the storage device 22 of the terminal 20. As a result, a series of operations from execution of the cognitive ability test, calculation of the cognitive ability score, and determination of the presence or absence of spoofing are all executed on the terminal 20, and the determination result of the presence or absence of spoofing and the cognitive ability score are transmitted from the terminal 20 to the test providing device 10. It may be transmitted. The test providing device 10 and the terminal 20 may be collectively referred to as a "determination system", or the terminal 20 may be collectively referred to as a "determination system".

<Processing procedure>
FIG. 5 is a flowchart showing an example of a processing procedure when the information processing system 1 performs a cognitive ability test.

In step S101, the information (name, age, gender, image of the user's identification card, etc.) about the user to be subjected to the cognitive ability test input from the terminal 20 is registered in the storage device 12 of the test providing device 10 as the user information 121. Will be done. The user information 121 may be stored in the test providing device 10 in advance via an operator or the like that accepts the dementia insurance, instead of being directly input by the user who receives the cognitive ability test from the terminal 20. The image of the identification card included in the user information 121 is, for example, a photograph or scan of a driver's license, a passport, an Individual Number Card, or the like, and includes a face image of the user.

In step S102, the test providing unit 111 of the test providing device 10 transmits the content of the cognitive test to the terminal 20. The transmitted content is displayed on the screen of the terminal 20, and the user performs a cognitive test according to the content. While the user is performing the cognitive test, the photographing unit 213 of the terminal 20 photographs the user's facial image. The photographed face image is transmitted to the test providing device 10 and acquired by the acquisition unit 112. The cognitive ability score is calculated by the test providing unit 111 based on the content of the answer to the cognitive ability test, or is calculated by the terminal 20 side and transmitted to the test providing device 10.

In step S103, the acquisition unit 112 of the test providing device 10 acquires the cognitive ability score of the user who has taken the cognitive ability test from the test providing unit 111 or the terminal 20. Further, the determination unit 113 corresponds to the acquired cognitive ability score at a higher predetermined ratio in the statistical distribution corresponding to the user's age among the statistical distributions for each age stored in the statistical information DB 122. If it is equal to or higher than the cognitive ability score, the process proceeds to step S107. On the other hand, when the user's cognitive ability score belongs to a ratio other than the higher predetermined ratio in the statistical distribution, the process proceeds to step S104. Here, the upper predetermined ratio is arbitrary, but for example, when the statistical distribution is a normal distribution and the user's cognitive score is 2σ or more or 3σ or more (that is, about 2.27% of the top). When the cognitive ability score corresponding to the top about 0.13% is or higher), the process may proceed to step S107.

In step S104, the determination unit 113 analyzes the facial image taken while the user is undergoing the cognitive ability test to determine the age and / or gender (demographic attribute) of the user who has undergone the cognitive ability test. presume. The determination unit 113 determines that the difference between the estimated age and the age of the user included in the user information 121 is a predetermined age or more (for example, 5 years or older) and / or the estimated gender and the user information 121. If the gender of the user included in is different, the process proceeds to step S107. On the other hand, when the difference between the estimated age and the age of the user included in the user information 121 is less than the predetermined age, and / or the estimated gender and the gender of the user included in the user information 121 are the same. If so, the process proceeds to step S105.

The determination unit 113 has a DNN (Deep Neural Network) learned so that the age and gender can be estimated from the face image, and the user is obtained from the output result obtained by inputting the user's face image into the DNN. The age and gender of the child may be estimated. For the DNN, for example, a CNN (Convolutional Neural Network) of VGG-16 (a total of 16 layers of 13 convolutional layers and 3 fully connected layers) may be used. The CNN learned in this way extracts a plurality of feature images from the input face image, scores each of the extracted feature images, and estimates the age and gender of the user by summing the scores of each. ..

FIG. 6 shows an example of the result of estimating the age and gender of the user. In the example of FIG. 6, it is shown that the estimated gender is "male" and the estimated age is "20.7 years".

In step S105, the determination unit 113 determines whether or not the face image taken when the user is undergoing the cognitive ability test and the face image taken by the user in advance are the same person. Specifically, the determination unit 113 is similar to the face image taken when the user is undergoing the cognitive ability test and the face image extracted from the image of the user's identification card included in the user information 121. If the degree is equal to or less than a predetermined value, the process proceeds to step S107. On the other hand, if the determined similarity exceeds a predetermined value, the process proceeds to step S106.

The determination unit 113 has a discriminator learned to output the similarity of the person appearing in the two face images, and the similarity obtained by inputting the two face images into the classifier. May be used to make the determination.

Further, the determination unit 113 may obtain an authentication result as to whether or not the user undergoing the cognitive ability test is the user who owns the terminal 20 by inquiring to the authentication unit 214 included in the terminal 20. .. The determination unit 113 proceeds to step S106 when an authentication result is obtained that the user who has undergone the cognitive ability test is the user who owns the terminal 20, while the determination unit 113 authenticates that the user does not own the terminal 20. When the result is obtained, the process may proceed to step S107.

FIG. 7 shows an example of the result of estimating the similarity between the two facial images. In the example of FIG. 7, it is shown that the similarity between the user's face image taken by the photographing unit 213 and the face image of the pre-registered driver's license is about 0.73 (about 73%). There is.

In step S106, the determination unit 113 determines that it is unlikely that a user other than the user himself / herself has undergone the cognitive ability test, that is, he / she is the user himself / herself. On the other hand, in step S107, the determination unit 113 determines that a user other than the user himself / herself may have undergone the cognitive ability test, that is, there is a possibility of spoofing. These judgment results, together with the results of the cognitive ability test, are used by insurance companies and the like when contracting for dementia insurance. For example, in the case of a judgment result that there is a possibility of spoofing, the insurance company causes the user to take the cognitive test again, or refuses the contract for the user's dementia insurance. On the other hand, in the case of the determination result that the user is the person himself / herself, the insurance company determines the insurance premium according to the result of the cognitive ability test of the user.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting the interpretation of the present invention. Each element included in the embodiment and its arrangement, material, condition, shape, size, and the like are not limited to those exemplified, and can be appropriately changed. Further, it is possible to partially replace or combine the configurations shown in different embodiments.

For example, the determination unit 113 may determine the possibility of spoofing by dividing it into a plurality of stages (ranks) according to the cognitive ability score of the user who has undergone the cognitive ability test. For example, if the user's cognitive score belongs to a ratio other than the top predetermined percentage in the statistical distribution, it is judged that it is unlikely that the user impersonated the user and took the cognitive test, and the user's cognitive ability. If the score belongs to a predetermined ratio at the top of the statistical distribution, it is determined that the user may have taken the cognitive test by impersonating the user, and the cognitive ability within the range in which the cognitive score is included in the statistical distribution is determined. If the score is exceeded (for example, if the score is statistically impossible), it may be determined that it is highly likely that the user has taken the cognitive test by impersonating himself / herself.

Further, the processing procedure shown in FIG. 5 may be changed. For example, if the result of step S103 is NO, the process proceeds to step S106, and if the result of step S103 is YES, the process proceeds to step S104. Further, if the result of step S104 is NO, the process proceeds to step S106, and if the result of step S104 is YES, the process proceeds to step S105. As a result, it is determined that spoofing may have been performed only when a negative result is obtained in all of steps S103, S104, and S105, so that the accuracy of spoofing determination can be improved.

In other embodiments, one or both of steps S104 and S105 may be omitted.

Further, the present embodiment is not limited to the cognitive ability test, and can be applied to all tests in which the test results differ depending on the age. Examples of such a test include those for evaluating an individual's ability, aptitude, and characteristics, such as an entrance aptitude test, an IQ test, a personality aptitude judgment test, and a depression / stress check test. Such tests can utilize computer and smartphone programs.

Further, the above test may be used not only for determining the insurance premium at the time of insurance renewal but also at the time of insurance renewal. In another embodiment, the above test may be for determining the need for insurance benefits, for example, a test for the user to perform when the insurance company pays the insurance money. .. To give a specific example according to the above embodiment, as a result of the determination by the determination unit 113, if the user's cognitive ability score belongs to a ratio other than the higher predetermined ratio in the statistical distribution, the user himself / herself If it is determined that it is unlikely that the user has taken the cognitive test by impersonating and decides to provide insurance benefits, but the user's cognitive score belongs to the highest predetermined percentage in the statistical distribution, the user himself / herself It may be determined that the person may have taken a cognitive test by impersonating and decide not to receive insurance benefits. In addition to insurance money and condolence money, payments can be made directly with goods such as medicines, and discount benefits for incidental services can be provided.

1 ... Information processing system, 10 ... Test providing device, 11 ... CPU, 12 ... Storage device, 13 ... Communication interface, 14 ... User interface, 20 ... Terminal, 21 ... CPU, 22 ... Storage device, 23 ... Communication interface, 24 ... User interface, 25 ... Camera, 111 ... Test providing unit, 112 ... Acquisition unit, 113 ... Judgment unit, 121 ... User information, 122 ... Statistical information DB, 211 ... Communication unit, 212 ... UI unit, 213 ... Shooting unit, 214 ... Certification Department

Claims (10)

It is a judgment system that determines whether or not the user has taken the test.
A storage unit that stores statistical distributions by age regarding the test results of the test,
An acquisition unit that acquires user information including the age of the user who takes the test and the test result of the test that the user has taken.
When the acquired test result is equal to or higher than the test result corresponding to a predetermined ratio higher in the statistical distribution corresponding to the age of the user included in the acquired user information among the statistical distributions by age. A determination unit that determines that a person other than the user may have taken the test,
Judgment system with. The acquisition unit further acquires a facial image of the user taken while the user is undergoing the test.
The determination unit determines whether or not a person other than the user may have taken the test based on the acquired face image.
The determination system according to claim 1. The determination unit estimates the age of the user by analyzing the acquired face image, and the difference between the estimated age of the user and the age of the user included in the user information is a predetermined age or more. If it is determined that a person other than the user may have taken the test.
The determination system according to claim 2. The user information includes the gender of the user.
The acquisition unit further acquires a facial image of the user taken while the user is undergoing the test.
The determination unit estimates the gender of the user by analyzing the acquired face image, and if the estimated gender of the user is different from the gender of the user included in the user information, the determination unit is different from the user. Judging that the person may have taken the test,
The determination system according to claim 2 or 3. The user information includes a face image of the user taken in advance.
The determination unit determines whether or not the persons indicated by both face images are the same person by comparing the acquired face image with the face image included in the user information.
The determination system according to any one of claims 2 to 4. The test is a test for determining the premium at the time of insurance enrollment or insurance renewal.
The determination system according to any one of claims 1 to 5. The test is a test for determining the necessity of insurance benefits.
The determination system according to any one of claims 1 to 5. The test is a cognitive test,
The determination system according to claim 6 or 7. It is a judgment method performed by a judgment system that judges whether or not the user has taken the test.
The judgment system records a statistical distribution by age regarding the test results of the test.
Equipped with a memory to remember
A step of acquiring user information including the age of the user taking the test and the test result of the test taken by the user.
The acquired test result corresponds to a predetermined ratio higher in the statistical distribution corresponding to the age of the user included in the acquired user information among the statistical distributions by age related to the test result of the test. In the above cases, the step of determining that a person other than the user may have taken the test and the step
Judgment method having. A program that determines whether or not the user has taken the test.
A computer equipped with a storage unit for storing statistical distributions by age regarding the test results of the test .
A step of acquiring user information including the age of the user taking the test and the test result of the test taken by the user.
The acquired test result corresponds to a predetermined ratio higher in the statistical distribution corresponding to the age of the user included in the acquired user information among the statistical distributions by age related to the test result of the test. In the above cases, the step of determining that a person other than the user may have taken the test and the step
A program to execute.

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