JP7319442B1 - Information processing device, information processing method, mobile communication terminal and program - Google Patents

Abstract

An object of the present invention is to reduce the burden on a user when making a predetermined application. An information processing device (1) includes a narrowing-down information receiving unit (131) for receiving narrowing-down information for narrowing down institutions holding personal information used for making a predetermined application from a user terminal; A list generation unit 132 that selects an institution from among the institutions based on the information for narrowing down and generates a list including the selected institution, a list transmission unit 133 that transmits the generated list to the user terminal, and a user terminal When one institution is selected from a plurality of institutions included in the list, the institution server, which is the server of the one institution, accepts permission to provide personal information in response to a prescribed application. a display control unit 134 for displaying on the user terminal a screen for , has [Selection drawing] Fig. 2

Description

The present invention relates to an information processing device, an information processing method, a mobile communication terminal, and a program.

Conventionally, when a user applies for use of a new service, the user's personal information is provided to a service provider (see Patent Document 1, for example).

JP-A-2005-148941

A user needs to input personal information each time when applying for a new service, which causes a problem that the application work is complicated for the user.

Accordingly, the present invention has been made in view of these points, and an object of the present invention is to reduce the burden on the user when making a predetermined application.

An information processing apparatus according to a first aspect of the present invention includes a narrowing-down information receiving unit that receives narrowing-down information for narrowing down institutions holding personal information used for making a predetermined application from a terminal. a list generation unit that selects an institution from among a plurality of institutions based on the narrowing-down information and generates a list that includes the selected institutions; a list transmission unit that transmits the generated list to the terminal; When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a display control unit that causes the terminal to display a screen for the institution server to accept the permission, and after the institution server receives the permission from the terminal, acquires the personal information held by the institution server, and an application receiving unit for receiving a predetermined application.

The list generation unit may identify a country to which the user of the terminal belongs based on the narrowing-down information, and select an institution associated with the identified country.
The narrowing-down information receiving unit acquires information extracted by the terminal based on a two-dimensional code, a barcode or an image as the narrowing-down information, and the list generation unit receives the two-dimensional code, barcode or The country to which the user belongs may be specified based on the image-based information for narrowing down.

The terminal is a mobile phone, the narrowing-down information receiving unit acquires the telephone number assigned to the terminal as the narrowing-down information, and the list generation unit receives the narrowing-down information as the narrowing-down information The country to which the user belongs may be identified based on the phone number.

The list generation unit may generate the list including at least one of a plurality of types of institutions, such as financial institutions, communication carriers, educational institutions, and public institutions.
The list generation unit may specify types of personal information for making the predetermined application, and generate the list indicating a plurality of institutions holding personal information corresponding to all of the identified types.

The institution is a financial institution, the prescribed application is an application relating to the use of a prescribed service and the withdrawal of a usage fee for the use of the prescribed service, and the display control unit controls the The institution server of one institution may provide the personal information in response to the predetermined application and cause the terminal to display a screen for receiving permission to debit the usage fee.

After the application accepting unit acquires the personal information and accepts the prescribed application, the information processing device allows the user of the terminal to communicate with the business operator that accepts the prescribed application. It may further include a consent receiving unit that causes the terminal to display a screen for receiving consent to conclude a predetermined contract.

The predetermined application is an application for concluding a use contract for a communication service, and the consent receiving unit causes the terminal to display the screen for accepting consent to conclude a use contract for the communication service. may be

The predetermined application is an application for concluding an eSIM (Embedded-SIM) use contract. The device may further include a provider that provides eSIM profile data to the terminal.

The institution is a financial institution, the personal information includes the account information of the user at the financial institution, the predetermined contract is a code settlement service usage contract, and the consent receiving unit receives the When consent to conclude a predetermined contract is received, user identification information for identifying the user is generated in the code payment service, and the account information included in the personal information and the generated user identification information are generated. may further include a generation unit that associates with .

An information processing method according to a second aspect of the present invention includes a step of receiving, from a terminal, narrowing-down information for narrowing down institutions holding personal information used for making a predetermined application; selecting institutions based on the narrowing-down information, generating a list including the selected institutions; transmitting the generated list to the terminal; When one institution is selected from among the institutions, a screen for the institution server, which is the server of the one institution, to accept permission for the institution server to provide the personal information in response to the predetermined application is displayed on the terminal; and after the institution server receives the permission from the terminal, the personal information held by the institution server is acquired and the predetermined application is accepted. It is an information processing method executed by a computer.

A mobile communication terminal according to a third aspect of the present invention acquires narrowing-down information, which is personal information necessary for making a predetermined application, for narrowing down institutions holding personal information of a user. and a list acquisition unit for transmitting the information for narrowing down to an application receiving server that accepts the application, and acquiring a list including institutions narrowed down based on the information for narrowing down from the application receiving server. a selection reception unit for displaying the list acquired by the list acquisition unit on a display unit and accepting selection of one institution from the institutions included in the list; a permission receiving unit that receives permission to provide personal information in response to a predetermined application; and in response to the permission being received by the permission receiving unit, the personal information is acquired from the server of the one institution, or a personal information obtaining unit that causes the application receiving server to obtain the personal information from the server of the one institution.

The narrowing-down information acquisition unit acquires, as the narrowing-down information, information for specifying a country to which the user belongs, and the list acquisition unit acquires the user identified based on the narrowing-down information Said list may be obtained containing institutions associated with the country of which it belongs.

The narrowing-down information acquisition unit may read a two-dimensional code, barcode, or image, and acquire information indicated by the two-dimensional code, barcode, or image as the narrowing-down information.
The mobile communication terminal may be a mobile phone, and the narrowing-down information acquisition unit may acquire a phone number assigned to the mobile communication terminal as the narrowing-down information.

A program according to a fourth aspect of the present invention causes a computer to obtain narrowing-down information, which is personal information necessary for making a predetermined application, for narrowing down institutions holding personal information of a user. a list acquisition unit for transmitting the narrowing-down information to an application receiving server for accepting the application, and acquiring a list including institutions narrowed down based on the narrowing-down information from the application receiving server; a selection reception unit for displaying the list acquired by the list acquisition unit on a display unit and accepting selection of one institution from among the institutions included in the list; a permission receiving unit that receives permission to provide personal information in response to an application; The application reception server is caused to function as a personal information acquisition unit that acquires the personal information from the server of the one institution.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability of a user's burden at the time of making a predetermined|prescribed application to be reduced.

It is a figure which shows the outline|summary of an information processing system. It is a figure which shows the functional structure of an information processing apparatus. It is a figure which shows an example of agency information by country. 3 is a diagram showing a functional configuration of a user terminal; FIG. 4 is a sequence diagram showing the flow of processing in the information processing system; FIG. 6 is a sequence diagram showing the flow of processing following the sequence shown in FIG. 5; FIG. It is a figure which shows an example of an application start screen. It is a figure which shows an example of a list screen. It is a figure which shows an example of a consent screen.

[Overview of information processing device 1]
FIG. 1 is a diagram showing an outline of an information processing system S. As shown in FIG. The information processing system S is a system that enables a user such as an inbound traveler to apply for a prescribed application by acquiring necessary personal information from an institution such as a bank. The information processing system S includes an information processing device 1, a user terminal 2 as a mobile communication terminal used by a user, and an agency server 3 used by an agency.

The predetermined application is, for example, an application for concluding a contract for use of a communication service and for debiting the usage fee for using the service. In the following embodiments, it is assumed that a contract for using a communication service is a contract for using an eSIM (Embedded-SIM) service.

The information processing device 1 functions as an application reception server that receives predetermined applications. The user terminal 2 is, for example, a mobile phone such as a smart phone. The institution is, for example, a financial institution, and the institution server 3 holds personal information of users who use the institution. The information processing device 1, the user terminal 2, and the organization server 3 are communicably connected via a communication network such as the Internet or a wireless LAN. Although one user terminal 2 and one institution server 3 are shown in FIG. 1, it is assumed that a plurality of user terminals 2 and a plurality of institution servers 3 actually exist.

When the user arrives at the destination country by using an airplane or the like, the user operates the user terminal 2 and transmits to the information processing device 1 a request to display an application screen for performing a predetermined application ((1 in FIG. 1) )). When the information processing apparatus 1 receives the request for displaying the application screen from the user terminal 2, the information processing apparatus 1 causes the user terminal 2 to display the application screen ((2) in FIG. 1). The application screen includes a message for causing the user terminal 2 to acquire narrowing-down information for narrowing down the institutions that hold the user's personal information. The message is, for example, a message instructing to read a two-dimensional code displayed on an airline boarding pass or the like.

The user terminal 2 reads the two-dimensional code and transmits information extracted from the two-dimensional code to the information processing apparatus 1 as information for narrowing down ((3) in FIG. 1). The information processing device 1 identifies the country to which the user belongs based on the received narrowing-down information, and generates an institution list indicating institutions corresponding to the identified country among the plurality of institutions (see (4) in FIG. 1). ). The institutions included in the institution list generated based on the travel source information are institutions that are likely to be used by the user. The information processing device 1 transmits the generated institution list to the user terminal 2 ((5) in FIG. 1).

In the information processing device 1, when one institution is selected from a plurality of institutions included in the institution list in the user terminal 2 ((6) in FIG. 1), the institution server 3, which is the server of the one institution, The user terminal 2 is caused to display a permission screen for the institution server 3 to receive permission to provide personal information in response to a predetermined application. For example, the information processing device 1 transmits to the user terminal 2 display instruction information for instructing display of a consent screen ((7) in FIG. 1).

Upon receiving the display instruction information, the user terminal 2 transmits a permission screen acquisition request to the institution server 3 corresponding to the selected one institution ((8) in FIG. 1), and receives the consent screen from the institution server 3. ((9) in FIG. 1). Upon receiving permission from the user terminal 2 to provide personal information in response to a predetermined application ((10) in FIG. 1), the institution server 3 transmits the personal information of the user of the user terminal 2 to the information processing device 1. ((11) in FIG. 1).

The information processing apparatus 1 inputs the acquired personal information to the personal information input screen for making a predetermined application, and transmits the input screen with the personal information input to the user terminal 2 (see FIG. 1). (12)). The user of the user terminal 2 confirms that the personal information entered on the input screen is correct, and performs a predetermined application application operation. The user terminal 2 transmits to the information processing apparatus 1 application information related to a predetermined application including the personal information input on the input screen ((13) in FIG. 1).

By doing so, the user can proceed with the prescribed application without inputting the personal information required for the prescribed application. The burden can be reduced.

[Functional Configuration of Information Processing Apparatus 1]
Next, the details of the configuration of the information processing device 1 will be described. FIG. 2 is a diagram showing a functional configuration of the information processing device 1. As shown in FIG. The information processing device 1 has a communication section 11 , a storage section 12 and a control section 13 .
The communication unit 11 is a communication interface for transmitting and receiving data to and from external devices such as the user terminal 2 and the institution server 3 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, an SSD (Solid State Drive), and the like. Execution of the control unit 13 causes the storage unit 12 to operate the control unit 13 as the narrowing-down information receiving unit 131, the list generating unit 132, the list transmitting unit 133, the display control unit 134, the application receiving unit 135, the consent receiving unit 136, the generating unit 137, and the providing unit 138.

In addition, the storage unit 12 stores country-by-country agency information indicating agencies in each of a plurality of countries. FIG. 3 is a diagram showing an example of national agency information. As shown in Figure 3, the country-specific agency information consists of a country name, an agency code that identifies an agency that can be used in the country indicated by the country name, the name of the agency, and the personal information held by the agency. It is information associated with information. Agencies included in the country-specific agency information are those that allow personal information to be provided in accordance with the user's permission. The institution code is institution identification information for identifying each of a plurality of institutions. The country-by-country agency information is referenced to generate an agency list for selecting the agency used by the user.

The personal information includes the user's name, date of birth, age, sex, residential address, family composition, and the like. The personal information also includes account information at the financial institution used by the user. The institutions included in the country-by-country institution information are institutions, such as financial institutions, that hold account information as personal information for withdrawing usage fees for using the eSIM service.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the program stored in the storage unit 12, the control unit 13 controls the narrowing-down information receiving unit 131, the list generating unit 132, the list transmitting unit 133, the display control unit 134, the application receiving unit 135, the consent receiving unit 136 , generation unit 137 , and provision unit 138 . Details of these functions will be described later.

[Functional Configuration of User Terminal 2]
Next, the details of the configuration of the user terminal 2 will be described. FIG. 4 is a diagram showing the functional configuration of the user terminal 2. As shown in FIG. The user terminal 2 has an operation unit 21 , a communication unit 22 , an imaging unit 23 , a display unit 24 , a storage unit 25 and a control unit 26 .

The operation unit 21 is an operation device that receives user operations, and is, for example, a touch panel provided on the surface of the display unit 24 . The operation unit 21 notifies the control unit 26 of a signal indicating the position touched by the user.
The communication unit 22 is a communication interface for transmitting and receiving data to and from external devices such as the information processing device 1 and the engine server 3 via a network such as the Internet.

The imaging unit 23 is, for example, a camera. The imaging unit 23 reads the two-dimensional code or barcode by, for example, imaging the two-dimensional code, barcode, or characters displayed on the boarding pass.
The display unit 24 is a display that displays various information.

The storage unit 25 is a storage medium that stores various data, and includes ROM, RAM, hard disk, SSD, and the like. The storage unit 25 stores programs executed by the control unit 26 . The storage unit 25 combines the control unit 26 with an application request unit 261, a narrowing-down information acquisition unit 262, a list acquisition unit 263, a selection reception unit 264, a permission reception unit 265, a personal information acquisition unit 266, an application unit 267, and a setting A program that functions as the unit 268 is stored.

The control unit 26 is, for example, a CPU. By executing the programs stored in the storage unit 25, the control unit 26 performs an application request unit 261, a narrowing-down information acquisition unit 262, a list acquisition unit 263, a selection reception unit 264, a permission reception unit 265, and personal information acquisition. It functions as a section 266 , an application section 267 and a setting section 268 .

Subsequently, details of the functions of the control unit 13 and the control unit 26 will be described with reference to a sequence diagram showing the flow of processing in the information processing system S. FIG. FIG. 5 is a sequence diagram showing the flow of processing in the information processing system S. As shown in FIG. FIG. 6 is a sequence diagram showing the flow of processing following the sequence shown in FIG.

First, when the application request unit 261 of the user terminal 2 receives an operation to display an application start screen for starting an application related to a predetermined application from the user, it transmits a request to display the application start screen to the information processing device 1 ( S1).

Subsequently, the narrowing-down information receiving unit 131 of the information processing device 1 transmits the application start screen to the user terminal 2 in response to receiving the display request for the application start screen (S2). The application requesting unit 261 causes the display unit 24 to display the received application start screen.

FIG. 7 is a diagram showing an example of an application start screen. As shown in FIG. 7, on the application start screen, the message "Read two-dimensional code on boarding pass Please,” is displayed, and an activation button for activating the imaging unit 23 is provided. The narrowing-down information acquisition unit 262 activates the imaging unit 23 in response to pressing of the activation button on the application start screen. The narrowing-down information acquisition unit 262 acquires information extracted from the two-dimensional code imaged by the imaging unit 23 as narrowing-down information (S3).

The narrowing-down information is personal information necessary for making a predetermined application, and is information for narrowing down the institutions that hold the user's personal information. The information for narrowing down is, for example, information for specifying the country to which the user belongs. Here, the institution may hold personal information whose identity has been verified.

Although the narrowing-down information acquiring unit 262 acquires information extracted from the two-dimensional code displayed on the boarding pass of the aircraft as the narrowing-down information, the narrowing-down information is not limited to this. For example, the narrowing-down information acquisition unit 262 may use the bar code displayed on the boarding pass, or the travel information image displayed on the display unit of the boarding gate when the user presents the boarding pass at the boarding gate. You may acquire the information extracted based on it as information for narrowing down.

The list acquiring unit 263 of the user terminal 2 transmits the narrowing-down information acquired by the narrowing-down information acquiring unit 262 to the information processing device 1 (S4).
The narrowing-down information receiving unit 131 of the information processing device 1 receives the narrowing-down information from the user terminal 2 . Specifically, the narrowing-down information receiving unit 131 acquires the information extracted by the user terminal 2 based on the two-dimensional code indicated on the boarding pass as the narrowing-down information.

The list generation unit 132 of the information processing device 1 selects an institution from among the plurality of institutions based on the narrowing-down information, and generates a list including the selected institution (S5). For example, the information processing device 1 identifies the country to which the user of the user terminal 2 belongs based on the narrowing-down information, and selects an institution associated with the identified country.

Specifically, the list generation unit 132 analyzes the user's travel information included in the narrowing-down information extracted based on the two-dimensional code, barcode, or image, so that the user can select the country from which the user travels. Identifies as the country it belongs to. The two-dimensional code displayed on the boarding pass contains the address of the management server that manages the user's travel information, instead of including the country name of the travel destination in the narrowing-down information, and corresponds to the user's travel information. may contain addresses that contain parameters to In this case, the list generation unit 132 accesses the management server based on the address included in the narrowing-down information, acquires the user's travel information from the management server, and identifies the country to which the user belongs. good.

After specifying the country to which the user belongs, the list generation unit 132 refers to the country-specific agency information stored in the storage unit 12, and selects one or more agencies associated with the country name indicating the specified country. Then, the list generation unit 132 generates a list screen showing an institution list including the institution name of the selected institution. FIG. 8 is a diagram showing an example of the list screen. In FIG. 8, it can be confirmed that a list for accepting selection of one institution from among a plurality of institutions included in the institution list is displayed in a pull-down format. In addition, FIG. 8 is provided with an OK button labeled "login with bank ID", and when the OK button is pressed, selection information indicating the selected institution is transmitted to the information processing device 1. .

Here, the list generation unit 132 identifies the types of personal information required to make a predetermined application, and generates an institution list indicating a plurality of institutions holding personal information corresponding to all the identified types. may In this case, the storage unit 12 stores information indicating the type of personal information required to make a predetermined application.

The list generation unit 132 refers to the storage unit 12 and identifies information indicating the type of personal information required to make a predetermined application. In addition, the list generating unit 132 refers to the country-by-country agency information, and selects a plurality of organizations that have all the types of personal information necessary to make a predetermined application from among the agencies associated with the specified country. choose the institution of The list generation unit 132 then generates an institution list that includes only the selected institutions. By doing so, the information processing apparatus 1 can suppress the selection of an institution lacking personal information for making a predetermined application.

The list transmission unit 133 of the information processing device 1 transmits a list screen including the generated institution list to the user terminal 2 (S6). The list acquisition unit 263 of the user terminal 2 acquires from the information processing device 1 a list screen showing an institution list including institutions narrowed down based on the information for narrowing down.

The selection accepting unit 264 of the user terminal 2 causes the display unit 24 to display the list screen acquired by the list acquiring unit 263, and accepts the selection of one institution from among the institutions included in the list indicated by the list screen. When one institution is selected on the list screen, the selection reception unit 264 transmits selection information indicating the selected institution to the information processing device 1 (S7).

The display control unit 134 of the information processing device 1 receives selection information from the user terminal 2 when one institution is selected from a plurality of institutions included in the institution list on the user terminal 2 . When receiving the selection information, the display control unit 134 displays a permission screen for the institution server 3, which is the server of the selected one institution, to accept permission for providing personal information in response to a predetermined application. is displayed on the user terminal 2. The display control unit 134 causes the institution server 3 to provide the personal information in response to a prescribed application, and withdraws the usage fee for the communication service related to the prescribed application from the account of the user established at the institution indicated by the institution server 3. The user terminal 2 is caused to display a consent screen for accepting the consent of this.

The display control unit 134 causes the user terminal 2 to display a permission screen according to, for example, the flow of processing specified in IDA (OpenID Connect for Identity Assurance), and receives personal information held in the institution server 3 from the institution server 3. to get

For example, the display control unit 134 instructs the user terminal 2 to display a consent screen in order for the institution server 3 to receive permission for providing personal information in response to a predetermined application. Display instruction information to be displayed is transmitted to the user terminal 2 (S8). The display instruction information includes the URL of the login screen for authenticating the user with the institution server 3 corresponding to the selected one institution as the destination.

Upon receiving the URL of the login screen, the permission reception unit 265 of the user terminal 2 transmits a login screen acquisition request to the institution server 3 based on the URL (S9). Upon receiving the login screen acquisition request, the institution server 3 transmits the login screen to the user terminal 2 (S10). The permission receiving unit 265 causes the display unit 24 to display the login screen, and in response to receiving the input of the login information from the user, transmits the login information to the institution server 3 (S11).

The institution server 3 authenticates the user based on the login information. When the institution server 3 determines that the user has been successfully authenticated, the institution server 3 transmits to the user terminal 2 a permission screen for accepting permission for the institution server 3 to provide personal information in response to a predetermined application (S12). The permission receiving unit 265 of the user terminal 2 displays a permission screen on the display unit 24, and the user requests that the organization server 3 provide personal information in response to a predetermined application, and that the user uses the communication service related to the predetermined application. Accept the consent to withdraw the fee.

FIG. 9 is a diagram showing an example of a permission screen. In the example shown in FIG. 9, permission is received from Bank A to provide personal information to telecommunications carrier K, which provides a predetermined telecommunications service, and to withdraw the usage fee for the telecommunications service from the account of Bank A. It can be confirmed that Upon receiving the permission from the user, the permission receiving unit 265 transmits permission information indicating that the permission has been granted to the institution server 3 (S13).

Description is moved to FIG. When the institution server 3 receives the authorization information, the information processing device 1 that accepts the prescribed application transmits an authorization code for identifying the recipient of the personal information to the user terminal 2 (S14). The permission reception unit 265 of the user terminal 2 receives the authorization code from the institution server 3 .

The personal information acquisition unit 266 of the user terminal 2 acquires personal information from the institution server 3 of one institution in response to acceptance of the permission by the permission reception unit 265, or acquires personal information from the institution server 3 to the information processing device 1. get In addition, after the institution server 3 receives permission to provide personal information from the user terminal 2, the application reception unit 135 of the information processing device 1 acquires the personal information held by the institution server 3, accept applications for

Specifically, the personal information acquisition unit 266 of the user terminal 2 transmits the authorization code received from the institution server 3 to the information processing device 1 (S15). The application accepting unit 135 of the information processing device 1 receives the authorization code from the user terminal 2 .

The application reception unit 135 transmits the authorization code received from the user terminal 2 to the institution server 3 (S16). The institution server 3 determines whether or not the authorization code received from the information processing device 1 and the authorization code transmitted to the user terminal 2 match. When the authority server 3 determines that the authorization codes match, it identifies the information processing device 1 as the recipient of the personal information, issues an ID token, and transmits it to the information processing device 1 (S17). It is assumed that the ID token is associated with a user ID that identifies the user who provides the personal information, ie, the user of the user terminal 2 . Upon receiving the ID token, the application reception unit 135 of the information processing device 1 transmits a personal information acquisition request including the ID token to the institution server 3 (S18).

Upon receiving the personal information acquisition request, the institution server 3 transmits the user's personal information associated with the ID token included in the received acquisition request to the information processing device 1 (S19). When receiving the user's personal information from the institution server 3, the application accepting unit 135 of the information processing device 1 inputs the personal information required for a predetermined application out of the received personal information on the input screen for accepting the input of the personal information. do. Then, the application accepting unit 135 transmits an input screen in which personal information is entered to the user terminal 2 (S20), and accepts a predetermined application. The application unit 267 of the user terminal 2 displays an input screen on the display unit 24 and receives a predetermined application from the user. Since the personal information acquired from the institution server 3 is displayed on the input screen without input by the user, the burden on the user can be reduced.

When the application unit 267 receives a predetermined application from the user, the application unit 267 transmits application information to the information processing device 1 (S21). The application information includes personal information entered on the input screen. By receiving application information from the user terminal 2, the application accepting unit 135 accepts a predetermined application, that is, an application for concluding a use contract for a communication service and for debiting the usage fee for using the service.

After the application accepting unit 135 acquires the personal information and accepts the specified application, the consent accepting unit 136 concludes a specified contract related to the specified application with the business operator who accepts the specified application by the user of the user terminal 2. The user terminal 2 displays a screen for accepting consent to conclude the agreement. Specifically, the consent receiving unit 136 transmits to the user terminal 2 a consent receiving screen for concluding a contract for using eSIM, which is a communication service related to a predetermined application (S22). to display.

The application unit 267 of the user terminal 2 displays the received consent acceptance screen on the display unit 24, and accepts the user's consent to conclude the usage contract. When the application unit 267 receives the user's consent to conclude a use contract with the eSIM service provider, the application unit 267 transmits consent information indicating that the consent has been received to the information processing apparatus 1 (S23).

The consent accepting unit 136 of the information processing device 1 accepts consent to conclude an eSIM usage contract by receiving the consent information. The consent accepting unit 136 may cause the user terminal 2 to display a conclusion completion screen indicating that the conclusion of the usage contract has been completed, upon accepting the consent to conclude the eSIM usage contract.

When the consent accepting unit 136 accepts the consent to conclude the eSIM service contract, the creating unit 137 of the information processing device 1 creates a user ID for identifying the user in the eSIM service, and creates eSIM profile data. (S24). Further, the generation unit 137 causes the storage unit 12 to store the generated user ID in association with the account information of the financial institution from which the usage fee for the eSIM service included in the personal information is debited. Further, the generation unit 137 transmits to the institution server 3 an account transfer request for debiting the usage fee of the communication service by the user from the account of the account information, thereby enabling the usage fee to be debited from the account.

When the generating unit 137 generates the eSIM profile data, the providing unit 138 of the information processing device 1 transmits the profile data to the user terminal 2 (S25). The setting unit 268 of the user terminal 2, upon receiving the profile data from the information processing device 1, sets the eSIM (S26). Specifically, the setting unit 268 rewrites the eSIM profile data built into the user terminal 2 with the received profile data. Thereby, the user can communicate using the eSIM service provided by the communication carrier corresponding to the predetermined application.

[Modification 1]
In the above-described embodiment, the predetermined application is an application for concluding an eSIM service usage contract and debiting the usage fee for using the service, but the application is not limited to this. The prescribed application is an application relating to the conclusion of a usage contract for a prescribed service, and may not include an application relating to withdrawal of the usage fee for the service.

In this case, in the country-by-country institution information stored in the storage unit 12, in addition to financial institutions that have account information related to the account for withdrawing the usage fee, a plurality of financial institutions that do not have such account information Types of institutions may be included. For example, in addition to financial institutions, the country-by-country institution information may include at least one of educational institutions, public institutions, and communication carriers.

Further, when the predetermined application does not include an application for debiting the usage fee of the predetermined service, and the country-specific institution information includes a plurality of types of institutions, the list generation unit 132 An institution list may be generated that includes institutions, carriers, educational institutions, and/or public institutions.

For example, the list generation unit 132 may generate an institution list that associates the institution name of the selected institution with the institution type information of the institution. In addition, the list generating unit 132 receives one or more types of institutions from the user terminal 2, and generates an institution list that includes institutions corresponding to the accepted institution types and does not include institutions corresponding to unaccepted institution types. You may By doing so, the user can select an institution corresponding to the type of institution desired by the user as the institution from which the personal information is obtained.

[Modification 2]
Also, the predetermined application is an application for eSIM use, but is not limited to this, and may be an application for use of a code payment service. The predetermined contract made after accepting the application for use may be a contract for use of the code payment service. In this case, when the consent accepting unit 136 accepts the consent to conclude a predetermined contract, the generating unit 137 generates a user ID for identifying the user in the code payment service, and the eSIM included in the personal information. The account information of the account of the financial institution from which the usage fee is debited may be associated with the generated user ID corresponding to the code settlement service and stored in the storage unit 12 . By doing so, the user can use the code settlement service by making a predetermined application.

[Modification 3]
Moreover, the predetermined application may exist in a plurality of types. Also, users who make a predetermined application need not be limited to inbound travelers. For example, the prescribed application may be an application for purchasing a product, an application for using a prescribed service, an application for a subsidy application at a public institution, or the like.

In this case, the storage unit 12 associates each of the plurality of application types with the necessary personal information types and stores them. The narrowing-down information receiving unit 131 receives a request to display the application start screen corresponding to the type of application selected by the user. The list generation unit 132 refers to the storage unit 12 and specifies information indicating the type of personal information required for the type of application selected by the user. Then, the list generation unit 132 refers to the country-specific agency information, and holds all the types of personal information necessary for the selected application type from among the agencies associated with the specified country. Select multiple institutions. The list generation unit 132 then generates an institution list that includes only the selected institutions. By doing so, the information processing apparatus 1 can generate an institution list that includes only institutions that have necessary personal information for the type of application selected by the user.

[Modification 4]
Further, in the above-described embodiment, the narrowing-down information acquisition unit 262 reads a two-dimensional code, barcode, or image and acquires information indicated by the two-dimensional code, barcode, or image as narrowing-down information. , but not limited to this. The narrowing-down information acquisition unit 262 may acquire the telephone number assigned to the user terminal 2 as the narrowing-down information. In this case, a message such as "Please send an empty short message to #1234." Upon receiving a short message transmission operation from the user, the narrowing-down information acquisition unit 262 acquires the telephone number assigned to the user terminal 2 and stored in the storage unit 25, and uses the telephone number to perform a short message transmission. The message is transmitted to the information processing device 1 or a cooperation device that cooperates with the information processing device 1 .

The narrowing-down information receiving unit 131 of the information processing device 1 receives the short message transmitted by the user terminal 2 from the user terminal 2 or the linking device, and assigns it to the user terminal 2 that is the transmission source of the short message. Acquire the phone number that is specified as narrowing-down information. You may Then, the list generating unit 132 may specify the country to which the user belongs based on the telephone number as the narrowing-down information. By doing so, the information processing apparatus 1 can specify the country to which the user belongs by having the user perform a simple operation of sending a short message.

Further, the narrowing-down information acquisition unit 262 may cause the user terminal 2 to display a list of country names on the application start screen, and acquire information indicating one country name selected from the list as narrowing-down information. good. By doing so, the information processing device 1 can specify the country to which the user belongs with a simple configuration.

[Modification 5]
In the above-described embodiment, the permission receiving unit 265 of the user terminal 2 displays a permission screen for receiving permission to provide personal information and permission to withdraw usage fees, as shown in FIG. Although it is displayed on the part 24, it is not limited to this. Permission receiving unit 265 displays a first permission screen for receiving permission to provide personal information and a second permission screen for receiving permission to withdraw a usage fee, and displays permission to provide personal information. and permission to withdraw the usage fee may be separately received.

[Effect of information processing device 1]
As described above, the information processing apparatus 1 according to the present embodiment receives, from the user terminal 2, narrowing-down information for narrowing down institutions holding personal information used for making a predetermined application, An institution is selected from a plurality of institutions based on the narrowing-down information, and an institution list including the selected institutions is generated and transmitted to the user terminal 2. - 特許庁When one institution is selected from a plurality of institutions included in the institution list on the user terminal 2, the information processing device 1 causes the institution server, which is the server of the one institution, to send personal information to a predetermined application. Display a permission screen on the user terminal 2 for the institution server 3 to accept permission to provide Obtain and accept prescribed applications. By doing so, the information processing apparatus 1 can reduce the burden on the user when making a predetermined application.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 information processing device 2 user terminal 3 institution server 11 communication unit 12 storage unit 13 control unit 131 narrowing-down information reception unit 132 list generation unit 133 list transmission unit 134 display control unit 135 application reception unit 136 consent reception unit 137 generation unit 138 Providing unit 21 Operation unit 22 Communication unit 23 Imaging unit 24 Display unit 25 Storage unit 26 Control unit 261 Application request unit 262 Narrowing-down information acquisition unit 263 List acquisition unit 264 Selection reception unit 265 Permission reception unit 266 Personal information acquisition unit 267 Application Section 268 Setting section

Claims (18)

a narrowing-down information receiving unit for receiving narrowing-down information for narrowing down institutions holding personal information used for making a prescribed application from a terminal;
Identifying the country to which the user of the terminal belongs from among a plurality of institutions based on the information for narrowing down, selecting institutions associated with the identified country, and generating a list including the selected institutions Department and
a list transmission unit that transmits the generated list to the terminal;
When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a display control unit that causes the terminal to display a screen for the institution server to accept the
an application reception unit that acquires the personal information held by the institution server after the institution server accepts the permission from the terminal and accepts the predetermined application;
Information processing device having The narrowing-down information receiving unit acquires information extracted by the terminal based on a two-dimensional code, a barcode, or an image as the narrowing-down information,
The list generation unit identifies the country to which the user belongs based on the narrowing-down information based on the two-dimensional code, barcode or image.
The information processing device according to claim 1 . the terminal is a mobile phone,
The narrowing-down information receiving unit acquires a phone number assigned to the terminal as the narrowing-down information,
The list generation unit identifies the country to which the user belongs based on the telephone number as the narrowing-down information.
The information processing device according to claim 1 . a narrowing-down information receiving unit for receiving narrowing-down information for narrowing down institutions holding personal information used for making a prescribed application from a terminal;
Identify the type of personal information necessary to make the prescribed application, and select the narrowing-down information from among a plurality of institutions including at least one of financial institutions, communication carriers, educational institutions, and public institutions a list generator that selects an institution based on and generates a list showing a plurality of institutions that hold personal information corresponding to all of the identified types from among the selected institutions;
a list transmission unit that transmits the generated list to the terminal;
When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a display control unit that causes the terminal to display a screen for the institution server to accept the
an application reception unit that acquires the personal information held by the institution server after the institution server accepts the permission from the terminal and accepts the predetermined application;
Information processing device having a narrowing-down information receiving unit for receiving narrowing-down information for narrowing down institutions holding personal information used for making a prescribed application from a terminal;
a list generation unit that selects an institution from among a plurality of institutions based on the narrowing-down information and generates a list that includes the selected institution;
a list transmission unit that transmits the generated list to the terminal;
When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a display control unit that causes the terminal to display a screen for the institution server to accept the
an application reception unit that acquires the personal information held by the institution server after the institution server accepts the permission from the terminal and accepts the predetermined application;
After the application accepting unit acquires the personal information and accepts the prescribed application, the user of the terminal concludes a prescribed contract related to the prescribed application with a business operator that accepts the prescribed application. a consent receiving unit that causes the terminal to display a screen for receiving consent;
Information processing device having The predetermined application is an application for concluding a usage contract for a communication service,
The consent receiving unit causes the terminal to display the screen for receiving consent to conclude a use contract for the communication service;
The information processing device according to claim 5 . The predetermined application is an application related to conclusion of an eSIM (Embedded-SIM) usage contract,
further comprising a providing unit that provides the eSIM profile data to the terminal when the consent receiving unit receives consent to conclude a contract for using the eSIM,
The information processing device according to claim 6 . said institution is a financial institution;
The personal information includes account information of the user at a financial institution,
The predetermined contract is a contract for using a code payment service,
When the consent receiving unit receives consent to conclude the predetermined contract, it generates user identification information for identifying the user in the code payment service, the account information included in the personal information, and further comprising a generating unit that associates the generated user identification information,
The information processing device according to claim 5 . said institution is a financial institution;
The prescribed application is an application relating to the use of a prescribed service and the withdrawal of the usage fee for the use of the prescribed service,
The display control unit provides a screen for receiving permission for the institution server of the one institution selected in the terminal to provide the personal information in response to the predetermined application and to withdraw the usage fee. is displayed on said terminal,
The information processing apparatus according to claim 1 , 4 or 5 . the computer runs
a step of receiving, from a terminal, narrowing-down information for narrowing down institutions holding personal information used for making a prescribed application;
identifying the country to which the user of the terminal belongs from among a plurality of institutions based on the narrowing-down information, selecting institutions associated with the identified country, and generating a list including the selected institutions; ,
transmitting the generated list to the terminal;
When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a step of displaying on the terminal a screen for the institution server to accept the
a step of acquiring the personal information held by the institution server after the institution server has accepted the permission from the terminal and accepting the predetermined application;
An information processing method comprising: the computer runs
a step of receiving, from a terminal, narrowing-down information for narrowing down institutions holding personal information used for making a prescribed application;
Identify the type of personal information necessary to make the prescribed application, and select the narrowing-down information from among a plurality of institutions including at least one of financial institutions, communication carriers, educational institutions, and public institutions and generating a list indicating a plurality of selected institutions holding personal information corresponding to each of all identified categories;
transmitting the generated list to the terminal;
When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a step of displaying on the terminal a screen for the institution server to accept the
a step of acquiring the personal information held by the institution server after the institution server has accepted the permission from the terminal and accepting the predetermined application;
An information processing method comprising: the computer runs
a step of receiving, from a terminal, narrowing-down information for narrowing down institutions holding personal information used for making a prescribed application;
selecting an institution from among a plurality of institutions based on the narrowing-down information and generating a list including the selected institution;
transmitting the generated list to the terminal;
When one institution is selected from among a plurality of institutions included in the list on the terminal, an institution server, which is the server of the one institution, permits the provision of the personal information in response to the predetermined application. a step of displaying on the terminal a screen for the institution server to accept the
a step of acquiring the personal information held by the institution server after the institution server has accepted the permission from the terminal and accepting the predetermined application;
After acquiring the personal information and accepting the prescribed application, the user of the terminal accepts consent to conclude a prescribed contract relating to the prescribed application with a business operator that accepts the prescribed application. a step of displaying on the terminal a screen for
An information processing method comprising: Narrowing information for acquiring information for specifying the country to which the user belongs, which is personal information necessary for making a predetermined application and is information for narrowing down the institutions that hold the user's personal information. an acquisition unit;
transmitting the narrowing-down information to an application receiving server that accepts the application, and obtaining from the application receiving server a list including institutions associated with a country to which the user belongs, identified based on the narrowing-down information; a list acquisition unit;
a selection reception unit for displaying the list acquired by the list acquisition unit on a display unit and accepting selection of one institution from among the institutions included in the list;
a permission receiving unit that receives permission for the institution server, which is the server of the one institution, to provide personal information in response to the predetermined application;
Obtaining the personal information from the server of the one institution or having the application reception server acquire the personal information from the server of the one institution in response to the permission reception unit accepting the permission Department and
A mobile communication terminal having The narrowing-down information acquisition unit reads a two-dimensional code, barcode, or image, and acquires information indicated by the two-dimensional code, barcode, or image as the narrowing-down information.
The mobile communication terminal according to claim 13 . The mobile communication terminal is a mobile phone,
The narrowing-down information acquisition unit acquires a phone number assigned to the mobile communication terminal as the narrowing-down information.
The mobile communication terminal according to claim 13 . the computer,
a narrowing-down information acquisition unit that acquires narrowing-down information, which is personal information necessary for making a predetermined application, for narrowing down institutions that hold the user's personal information;
transmitting the narrowing-down information to an application receiving server that accepts the application , and obtaining from the application receiving server a list including institutions associated with the country to which the user belongs, identified based on the narrowing-down information; a list acquisition unit to
a selection reception unit for displaying the list acquired by the list acquisition unit on a display unit and accepting selection of one institution from among the institutions included in the list;
a permission receiving unit that receives permission for the institution server, which is the server of the one institution, to provide personal information in response to the predetermined application;
Obtaining the personal information from the server of the one institution or having the application reception server acquire the personal information from the server of the one institution in response to the permission reception unit accepting the permission part,
A program that acts as a the computer,
a narrowing-down information acquisition unit that acquires narrowing-down information, which is personal information necessary for making a predetermined application, for narrowing down institutions that hold the user's personal information;
The information for narrowing down is transmitted to the application reception server that receives the application, and from the application reception server , among a plurality of institutions including at least one of financial institutions, communication carriers, educational institutions, and public institutions, a list acquisition unit for acquiring a list including institutions holding personal information narrowed down based on the narrowing-down information and corresponding to each type of all personal information necessary for making the predetermined application;
a selection reception unit for displaying the list acquired by the list acquisition unit on a display unit and accepting selection of one institution from among the institutions included in the list;
a permission receiving unit that receives permission for the institution server, which is the server of the one institution, to provide personal information in response to the predetermined application;
Obtaining the personal information from the server of the one institution or having the application reception server acquire the personal information from the server of the one institution in response to the permission reception unit accepting the permission part,
A program that acts as a the computer,
a narrowing-down information acquisition unit that acquires narrowing-down information, which is personal information necessary for making a predetermined application, for narrowing down institutions that hold the user's personal information;
a list obtaining unit that transmits the narrowing-down information to an application receiving server that receives the application, and obtains a list including institutions narrowed down based on the narrowing-down information from the application receiving server;
a selection reception unit for displaying the list acquired by the list acquisition unit on a display unit and accepting selection of one institution from among the institutions included in the list;
a permission receiving unit that receives permission for the institution server, which is the server of the one institution, to provide personal information in response to the predetermined application ;
Obtaining the personal information from the server of the one institution or having the application reception server acquire the personal information from the server of the one institution in response to the permission reception unit accepting the permission part, and
A business operator in which the user receives the predetermined application after the personal information obtaining unit obtains the personal information or causes the application receiving server to obtain the personal information and the application receiving server receives the predetermined application a consent receiving unit that causes the display unit to display a screen for receiving consent to conclude a predetermined contract related to the predetermined application with
A program that acts as a

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