JP7394099B2 - Program, information processing device, and information processing method - Google Patents

Description

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

When a user attempts to receive a service from a certain service provider, it may be necessary to verify the user's identity. For example, when opening an account at a financial institution such as a bank, or when receiving a credit card from a credit card company. In addition, identity verification may also be performed when applying for membership services.

When applying for a service using the Internet, identity verification may also be performed using the Internet. Identity verification is performed using, for example, an electronic mechanism eKYC (electronic know your customer). Regarding eKYC, Patent Document 1 discloses an authentication system for verifying identity using an image of an identification card and an image of a user.

JP2020-95652A

The identity verification method in eKYC as described in Patent Document 1 is identity verification performed in a non-face-to-face state between the person confirming and the person being confirmed. Non-face-to-face identity verification using the Internet is a non-face-to-face identity verification using electronic information, so it is difficult to ensure the reliability of the verification results. Therefore, even though eKYC methods exist, there is a need for face-to-face identification. If a service provider attempts to directly perform face-to-face identity verification, it would impose a large burden on personnel and operations, so a business that performs face-to-face identity verification may do this on their behalf. There may be multiple businesses that perform identity verification, and the service provider needs to select which business to request. In such cases, it is necessary for the service provider to smoothly perform face-to-face identity verification.

Therefore, an object of the present invention is to provide a program, an information processing device, and an information processing method that enable smooth face-to-face identification.

A program according to one aspect of the present invention performs a request acquisition process for acquiring confirmation request information including confirmation information to be confirmed in identity confirmation from a requester who requests identity confirmation of a person to be confirmed, and identity confirmation. A confirmation information transmission process of transmitting confirmation information to a selected business operator that is a confirmed business operator selected based on the confirmation request information from among at least one confirmed business operator stored in the storage unit as a possible person to carry out the execution. , a result information acquisition process that acquires result information indicating the result of identity verification performed by the person who performed the verification based on the verification information from the person who performed the verification, and a result information transmission process that transmits the result information to the requester. Let it run.

An information processing apparatus according to one aspect of the present invention includes a request acquisition unit that acquires confirmation request information including confirmation information to be confirmed in identity confirmation from a requester who requests identity confirmation of a person to be confirmed, and a request acquisition unit that executes identity confirmation. a confirmation information transmitting unit that transmits confirmation information to a selected business operator that is a confirmed business operator selected based on the confirmation request information among at least one confirmed business operator stored in the storage unit as a possible person; A result information acquisition unit that acquires result information indicating the result of identity verification performed by the selected business operator based on the confirmation information from the selected business operator, and a result information transmission unit that transmits the result information to the requester. .

An information processing method according to one aspect of the present invention includes a computer acquiring confirmation request information including confirmation information to be confirmed in the identity confirmation from a requester who requests identity confirmation of a person to be confirmed; Sending confirmation information to a selected business operator that is a confirmed business operator selected based on the confirmation request information from among at least one confirmed business operator stored in the storage unit as a person who can execute the confirmation; The method includes acquiring result information indicating the result of identity verification performed by the selected business operator based on the selected business operator, and transmitting the result information to the requester.

According to the present invention, it is possible to provide a program, an information processing device, and an information processing method that enable smooth face-to-face identification.

FIG. 1 is a diagram schematically showing an identity verification management system according to the present embodiment. FIG. 2 is a diagram illustrating a procedure for identity verification in the identity verification management system according to the present embodiment. FIG. 1 is a block diagram showing the configuration of an identity verification management device according to the present embodiment. This is an example of information stored in a client database (DB) according to the present embodiment. This is an example of information stored in the confirmed business operator DB according to the present embodiment. This is an example of information stored in the confirmation history DB according to the present embodiment. FIG. 2 is a diagram illustrating processing of the identity verification management system according to the present embodiment. This is an example of confirmation request information according to the present embodiment. This is an example of a confirmation company selection screen according to the present embodiment. This is an example of a confirmation support screen according to the present embodiment. FIG. 3 is a diagram illustrating history information transmission processing according to the present embodiment. This is another example of confirmation request information according to the present embodiment. This is another example of the history selection screen according to the present embodiment. This is an example of a confirmed business operator-history selection screen according to the present embodiment.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. In addition, in each figure, those with the same reference numerals have the same or similar configurations.

FIG. 1 shows a schematic diagram of an identity verification management system 10 according to the present embodiment. The identity verification management system 10 includes an identity verification management device 101, client terminals 102a, 102b...102n, verification provider terminals 103a, 103b...103n, and face-to-face confirmation support terminals 1031a, 1031b...1031n. . In addition, if there is no particular need to distinguish, the client terminals 102a to 102n are referred to as the client terminal 102, the confirmation provider terminals 103a, 103b...103n are referred to as 103, and the face-to-face confirmation support terminals 1031a to 1031n are referred to as the face-to-face confirmation support terminal. It's called 1031.

Here, the requester is a person who requests identity verification through the identity verification management device 101. The client is, for example, a financial institution, a credit card company, or an employment agency. Further, the verification business operator is a business operator that executes identity verification in response to a request through the identity verification management device 101.

The identity verification management device 101 is an information processing device such as a server that performs processing to be described later and manages identity verification by executing a predetermined program. The client terminals 102a to 102n are information processing devices such as computers and servers managed by each of a plurality of clients. The confirmed company terminals 103a, 103b, . . . 103n are information processing devices such as computers and servers managed by each of the plurality of confirmed companies.

The identity verification management device 101 is communicably connected to the client terminals 102a to 102n through the network N1. Further, the identity verification management device 101 is communicably connected to the verification company terminals 103a to 103n via the network N2.

The face-to-face confirmation support terminals 1031a to 1031n are information processing devices, such as smartphones and tablet terminals, used by people who are engaged in actual face-to-face confirmation work at the confirmation business operator. The face-to-face confirmation support terminals 1031a to 1031n can communicate with the respective confirmed business operator terminals 103a to 103n. Further, in FIG. 1, only one face-to-face confirmation support terminal 1031a to 1031n is shown for each confirmed business operator terminal, but more than one face-to-face confirmation support terminal can be used.

Referring to FIG. 2, the identity verification process managed by the identity verification management system 10 and the identity verification management device 101 will be described.

Client A, client B, client C, etc., who are also service providers, are registered in the identity verification management device 101. Further, in the identity verification management device 101, verified businesses A, verified businesses B, verified businesses C, etc. that can perform identity verification are registered as verified businesses.

In step (A) of FIG. 2, a person to be confirmed who is a service user applies to a certain requester to provide a service. For example, when requester B is a credit card company, a user applies for issuing a card.

In step (B), client B who needs to perform identity verification transmits confirmation request information R to identity verification management device 101 . The confirmation request information R includes confirmation information V. The confirmation information V is information including confirmation items that the client needs to confirm. The confirmation request information R includes information necessary for processing the request in the identity confirmation management device 101 and confirmation information V. Requester B transmits confirmation request information to the identity confirmation management device 101 through the requester terminal 102.

In step (C), based on the confirmation request information R, the identification information V is transmitted from the identity verification management device 101 to the selected business operator selected from among the confirmed business operators. Here, it is assumed that confirmation business operator B has been selected and confirmation information V has been transmitted. In this embodiment, a confirmed business operator selected from a plurality of confirmed business operators is referred to as a selected business operator. The confirmed business operator B, which is the selected business operator, receives the confirmation information V from the identity verification management device 101 through the confirmed business operator terminal 103. Note that the selection of the verification business entity may be performed by the requester's selection, or may be selected by the identity verification management device 101 based on predetermined conditions.

In step (D), confirmation business operator B, which is the selected business operator, transmits confirmation information V to a confirmer who belongs to confirmation business operator B and performs the identity verification work. The selected businesses will perform identity verification through their respective verifiers. In FIG. 2, confirmation information V is sent to confirmer B of confirming business operator B. Specifically, the confirmed business operator B transmits the confirmation information V from the confirmed business operator terminal 103 to the confirmation support terminal D of the confirmed person B.

In step (E), confirmer B confirms the user's identity face-to-face. Information necessary for face-to-face identification, such as the user's address, is included in the confirmation information V. Verifier B uses verification support terminal D to generate result information VR indicating the result of identity verification based on verification information V.

In step (F), the confirmed business operator B transmits the result information VR to the confirmed business operator B through the confirmation support terminal D.

In step (G), the verification business operator B transmits the result information VR acquired from the verification person B to the identity verification management device 101.

In step (H), the identity verification management device 101 transmits the obtained result information VR to the client B. Through the steps up to this point, the requester can obtain the result of identity verification. After obtaining the result of the identity verification, the requester B provides a service such as issuing a credit card to the person to be verified, for example.

Please note that the requester may obtain result information not only when there is an application from the person to be verified, but also when a specified period of time has passed since the confirmation and the need for identity verification arises again. The requester may also do this voluntarily without any application. In this case, result information VR is obtained through the processes from step (B) to step (H) described above.

In addition to newly acquiring result information VR and transmitting it to the client, the identity verification management device 101 may transmit previously acquired result information VR to the client. For example, the identity verification management device 101 stores identity verification result information in a storage area S. The identity verification management device 101 may transmit the stored result information VR to the client, if past confirmation information may be provided based on the confirmation request information R from the client.

Further, the processing from step (C) to step (G) may be performed by transmitting and receiving information to and from the confirmation support terminal D through the identity confirmation management device 101 without going through the terminal of the confirmation business operator B. . When confirming business operator B is selected as the selected business operator, confirmation information is directly sent to confirming party B in the process of step (C), and the result information is confirmed to the identity verification management device 101 in the process of step (G). It may also be sent directly from person B.

Each part of the personal identification management device 101 will be explained with reference to FIGS. 3 to 6. FIG. 3 shows a block diagram of the identity verification management device 101. The identity verification management device 101 includes a storage section 301, a communication section 302, a request acquisition section 303, an underwriting condition acquisition section 304, a candidate information transmission section 305, a confirmation information transmission section 306, a result information acquisition section 307, a result information transmission section 308, It includes a history storage section 309, a confirmation history transmission section 310, a history fee acquisition section 311, and a settlement section 312.

Information processing in each part of the identity verification management device 101 can be realized, for example, by using a storage area such as a memory in the identity verification management device 101, or by having a processor execute a program stored in the storage area. I can do it.

The storage unit 301 stores various types of information used in processing by the identity verification management device 101. The storage unit 301 includes a client DB 3011, a confirmed business operator DB 3012, and a confirmation history DB 3013.

As shown in FIG. 4, the client DB 3011 stores information on clients who request identity verification by the identity verification management device 101. The client information includes the following items: "client ID", "client name", "fee settlement method", "industry type", and "confirmation method".

“Client ID” and “client name” are information for identifying the requester. “Fee settlement method” is information indicating a method for settling the fee paid by the client for identity verification by the identity verification management device 101. The "fee settlement method" further records information regarding the payment method, such as the account number if the payment method is account transfer, and the card number if the payment is by credit card. “Industry” is information indicating the client's industry. “Confirmation method” is information indicating the identity confirmation method selected by the client. Methods for verifying the identity include, for example, visual inspection by a verifier, electronically reading information from an IC chip included in the identity verification document, and actually taking a photograph of the person. Note that the "confirmation method" for each client may be changed as appropriate depending on the confirmation request information from the client.

Further, the client information may include information such as location, contact information, corporate number, and information regarding the person in charge at the client business.

As shown in FIG. 5, the confirmed business entity DB 3012 stores information on a confirmed business entity that performs identity verification in response to a request through the personal identification management device 101. Confirmed business operator information includes "confirmed business ID", "confirmed business name", "available confirmation method", "face-to-face confirmation fee", "history fee", "required number of days", and "fee settlement method" It has the following items. In the confirmed business operator DB 3012, a plurality of confirmed business operators are recorded.

The "confirmed business operator ID" and the "confirmed business operator name" are information for identifying the confirmed business operator. "Available confirmation method" is information indicating a confirmation method that can be used by the confirmed business operator to confirm the identity of the user. Possible verification methods include, for example, visual inspection by a verifier belonging to a verification company, electronic reading of information on an IC chip included in an identity verification document, and method of actually taking a photograph of the person. .

The “face-to-face confirmation fee” is a fee charged to the client when the confirmation business conducts a new face-to-face confirmation. The "face-to-face verification fee" is set, for example, in the form of how many yen per identity verification. The "history fee" is a fee charged to a client when the client refers to history information recorded by a certain confirmed business operator (selected business operator). The "history fee" is set in the form of how many yen per history reference. The history information will be described later.

The "face-to-face confirmation fee" and the "history fee" may be set depending on the "availability confirmation method" or may be set in common. Further, the fee for confirming part of the information necessary for identity verification, such as address, name, date of birth, etc., may be different from the fee for confirming all of the information. For example, the fee may be set with a price range depending on the necessary confirmation items, such as the fee when the confirmed business operator is Company C. According to Company C's fees, for example, if the address, name, and even date of birth can be confirmed, the face-to-face confirmation fee is 450 yen per case when only the address and name are confirmed visually or by reading an IC chip. It is shown that the history fee is 45 yen/case. Furthermore, Company C's fees show that the face-to-face confirmation fee for confirming address, name, and date of birth by visual inspection or IC chip reading is 550 yen/case, and the history fee is 55 yen/case. .

Furthermore, the "face-to-face confirmation fee" and the "history fee" may be set individually between the confirmation business operator and the requester. For example, the verification provider may be able to set a separate fee through negotiation with the client for a client whose identity needs to be verified frequently. Note that it is possible to set conditions other than fees in negotiations with the client. Further, the "face-to-face confirmation fee" and the "history fee" may be set according to the client's industry. For example, the confirmed business operator may be able to set separate fees for industries that receive a large number of requests.
The "required number of days" is the number of days required for the verification business operator to obtain the result information of the identity verification. The "fee settlement method" is information indicating the method for settling the face-to-face confirmation fee or history fee that the confirmation business operator collects from the client.

Furthermore, the "face-to-face confirmation fee" and the "history fee" may be set individually between the confirmation business operator and the requester. For example, the verification provider may be able to set a separate fee through negotiation with the client for a client whose identity needs to be verified frequently. Note that it is possible to set conditions other than fees in negotiations with the client. Further, the "face-to-face confirmation fee" and the "history fee" may be set according to the client's industry. For example, the confirmed business operator may be able to set separate fees for industries that receive a large number of requests.

The confirmed business entity DB 3012 may store, as information on the confirmed business entity, information such as the location, contact information, and corporate number of the confirmed business entity, information on licenses held in a service authentication system related to identity verification, and the like. Further, the name, contact information, experience, training record, qualification information, etc. of the verifier may be further stored as information on the verifier belonging to the verifier.

As shown in FIG. 6, the confirmation history DB 3013 records history information including confirmation information and result information indicating the result of identity confirmation.

History information includes "confirmation information", "selected business operator", "selected business operator name", "confirmation date and time", "confirmation location", "type of identity verification document", "confirmation method", and "confirmation result" It has the following items. The following items correspond to result information: "confirmed business operator", "confirmed business name", "confirmation date and time", "confirmation location", "type of identity verification document", "confirmation method", and "confirmation result".

The "confirmation information" includes items such as the name, address, date of birth, telephone number, email address, and identification number of the identity verification document of the person to be confirmed as information related to the person to be confirmed. “Selected business operator ID” and “Selected business name” are information indicating a selected business operator that is a confirmed business operator that has performed identity verification and acquired history information stored in the confirmation history DB 3013. The "selected business operator ID" and the "selected business name" have the same format as the "confirmed business operator ID" and the "confirmed business name". “Confirmation date and time” is information on the date and time when identity verification was performed. “Confirmation location” is information about the location where confirmation was performed. For example, information indicating the home of the person to be confirmed, facilities owned by the confirmed business operator, etc. is recorded. Note that specific address information or location information may be used as the location information. "Type of identity verification document" is information indicating the identity verification document used for identity verification. The identity verification document is, for example, a driver's license, personal number card, passport, insurance card, utility bill payment record, mailing record, or municipal certificate such as a resident card. “Confirmation method” is information indicating the confirmation method used by the selected business operator to confirm the identity of the user. Confirmation methods include, for example, visual inspection, IC reading, and photographing. The "confirmation result" is information indicating whether or not the final identity confirmation has been completed. Note that information about a confirmer belonging to the selected business operator who performed the identity confirmation may be recorded as the history information.

In the example in Figure 6, for the person to be confirmed whose name is "XX YY", the address is "AA prefecture...", the date of birth is "YY month ZZ day of XXXX", the phone number is "XXX-YYYY-ZZZ", and the email address is "XXX". Confirmation target person information such as "@yyy" and the identification number of the identification document "XXXX..." are recorded. The identity of the person to be confirmed has been verified three times. One is the identity verification on the confirmation date and time "2021/6/17 12:00". The selected business operator is Company A, and the confirmation location is the home of the person to be confirmed. The identity verification document is a driver's license, and the verification method is visual. Identity verification was performed correctly, and the verification result is recorded as "Verification Completed." For the person to be confirmed whose name is "XX YY," identity verification was also conducted on the confirmation date and time of "2021/7/17 10:00" and the confirmation date and time of "2021/9/17 20:20." At this time, as shown in the identity verification at the confirmation date and time "2021/9/17 20:20", the selected business operators may be different for the same confirmation target.
On the other hand, in the case of the person to be verified whose name is "ZZ ZZ", the identity verification was not performed correctly and the verification result is recorded as "confirmation not possible". In addition, in FIG. 6, the confirmation target person information other than the name is omitted.

The communication unit 302 controls communication between the identity verification management device 101 and the client terminals 102a to 102n and the verified business terminals 103a to 103n.

The request acquisition unit 303 acquires confirmation request information including confirmation information from a requester who requests identity confirmation of a person to be confirmed, through the client terminals 102a to 102n. The confirmation request information will be described later.

The underwriting condition acquisition unit 304 acquires underwriting conditions, which are conditions for receiving a request for identity verification, from each of the confirmed business operators through the confirmed business operator terminals 103a to 103n. The underwriting conditions are, for example, information such as "availability confirmation method", "face-to-face confirmation fee", "required number of days", and "fee payment method" in FIG. 5.

The candidate information transmitting unit 305 searches the confirmed business operator DB 3012 for a confirmed business operator that satisfies the underwriting conditions based on the confirmation request information acquired by the request acquisition unit 303, and sends information on the underwriting conditions and the confirmed business operators that have the underwriting conditions. to the requester. The candidate information transmitting unit 305 transmits, for example, "confirmation business name", "face-to-face confirmation fee", and "required number of days" to the client terminal 102 of the client.

The confirmation information transmitting unit 306 sets the confirmed business operator selected based on the confirmation request information as the selected business operator, and transmits the confirmation information to the confirmed business operator terminal 103 managed by the selected business operator.

The result information acquisition unit 307 acquires, from the selected business operator, result information indicating the result of the identity verification performed by the selected business operator based on the confirmation information. The result information transmitting unit 308 acquires the result information through the confirmed business operator terminal 103 managed by the selected business operator.

The result information transmitting unit 308 transmits the result information to the client terminal of the client.

The history storage unit 309 stores history information in which the acquired result information, the confirmation target person, and the confirmation information are associated in the confirmation history DB 3013.

The confirmation history transmitting unit 310 transmits the stored result information to the client terminal 102 based on the confirmation request information when the history information is stored in the storage unit. For example, the confirmation history transmitting unit 310 transmits result information of the person to be confirmed to the client terminal 102 when the confirmation request information includes information that allows the client to refer to the history information.

The historical fee acquisition unit 311 acquires information indicating "historical fees" from each confirmed business operator through the confirmed business operator terminal 103. Note that the processing by the history fee acquisition unit 311 may be realized as processing by the underwriting condition acquisition unit 304.

The settlement unit 312 records the history of fees that the client needs to pay and the history of fees that need to be paid to the confirmed business operator. The settlement unit 312 performs settlement according to the fee settlement method recorded in the client DB 3011 and the confirmed business operator DB 3012. The settlement unit 312 may settle the fee each time the identity verification is completed after the request by the client, or may settle the fee periodically, for example, weekly or monthly. The settlement unit 312 may allow each client or each confirmed business operator to refer to its own fee history through the client terminal and the confirmed business operator terminal.

With reference to FIGS. 7 to 10, the process of identity verification in the identity verification management system 10 will be described. Here, an example will be explained in which a client who manages the client terminal 102a requests identity verification.

In step S701 in FIG. 7, the identity verification management device 101 acquires usage registration information from the client terminal 102a. This process may be realized as a process by the request acquisition unit 303, for example. The usage registration information is information that includes information to be recorded in the client DB 3011, and is information necessary for registration for the client to use the identity verification management system 10. The usage registration information may be obtained through a web page displayed on the client terminal 102a by the identity verification management device 101, or may be obtained through an application recorded on the client terminal 102a.

In step S702, the identity verification management device 101 updates the client DB 3011 based on the usage registration information. This process may be realized as a process by the request acquisition unit 303, for example.

In steps S703 and S704, the identity verification management device 101 acquires the registration information and underwriting conditions of each verified business operator from the verified business operator terminals 103a and 103b, respectively. This process may be realized as a process by the underwriting condition acquisition unit 304, for example. The registration information and underwriting conditions may be acquired through a web page displayed by the identity verification management device 101 on the verified business operator terminals 103a, 103b, or may be acquired through an application recorded on the verified business operator terminals 103a, 103b. good.

In step S705, the underwriting condition acquisition unit 304 updates the confirmed business operator DB 3012 based on the registration information and the underwriting conditions.

In step S706, the request acquisition unit 303 acquires confirmation request information from the requester terminal 102a. For example, as shown in FIG. 8, the confirmation request information includes requester information, confirmation information, and history reference information. The client information is information for identifying the client. The confirmation information includes the name, address, etc. of the person to be confirmed, and is information indicating matters that the requester wishes to request for confirmation. Regarding history reference information, it is necessary to determine whether or not to permit the requester to confirm the identity of the client by referring to the history information, and if it is permitted, it is permissible as long as the history information was obtained from a predetermined time such as the time of the request. This is information indicating whether to do so.

In step S707, the candidate information transmitting unit 305 searches for candidates for the selected business operator from the confirmed business operator DB 3012 based on the confirmation request information. For example, when the confirmed business operator DB 3012 of FIG. 5 is searched based on the confirmation request information of FIG. 8, the confirmed business operators Company A, Company B, and Company C become candidates for the selected business operators.

In step S708, the candidate information transmitting unit 305 generates candidate information for generating the confirmation operator selection screen 900 for the requester to select a selected operator. FIG. 9 shows an example of a confirmation company selection screen 900.

The confirmation company selection screen 900 has condition presentation columns 9011, 9021, 9031 and selection columns 9012, 9022, 9032. In the condition presentation columns 9011, 9021, and 9031, the name of each confirmed business operator and face-to-face confirmation fee are displayed. The requester selects a confirmed business operator (selected business operator) using selection fields 9012, 9022, and 9032 based on the presented conditions.

In step S709, the candidate information transmitting unit 305 transmits candidate information to the client terminal 102a. In step S710, the client terminal 102a displays a confirmation provider selection screen 900 to the client. In step S711, the request acquisition unit 303 acquires confirmed business operator selection information indicating the selected business operator selected through the confirmed business operator selection screen 900 from the client terminal 102a.

In step S712, the confirmation information transmitting unit 306 transmits confirmation information to the confirmed business operator terminal 103 of the selected business operator. At this time, the identity verification management device 101 may transmit information for generating a verification support screen 1000, which will be described later, together with the verification information. Here, it is assumed that the confirmed company that manages the confirmed company terminal 103a is selected as the selected company.

In step S713, the confirmed business operator terminal 103a transmits confirmation information to the face-to-face confirmation support terminal 1031a used by the confirmer belonging to the selected business operator. At this time, information for generating a confirmation support screen 1000, which will be described later, may be transmitted together with the confirmation information.

In step S714, the face-to-face confirmation support terminal 1031a acquires the result information of the person confirmation. The result information is acquired by the person verifying the person's identity using the face-to-face verification support terminal 1031.

The face-to-face confirmation support terminal 1031 supports the person confirming the person's identity through a confirmation support screen 1000 as shown in FIG. The confirmation support screen 1000 has a client information display field 1001, a confirmation information display field 1002, a confirmation result input field 1003, an identity verification document information input field 1004, an IC reading button 1005, and a photographing button 1006.

The client information display column 1001 shows information about the client who has requested identity verification. The confirmation information display field 1002 displays confirmation information acquired from the confirmed business operator terminal 103a. The confirmer confirms the identity while referring to the confirmation information items, and records the confirmation result in a check box provided in the confirmation result input field 1003. The identity verification document information input field 1004 is provided with a display that allows the verifier to select the document used for identity verification. For example, when identity verification is performed using a driver's license, the person confirming selects the checkbox corresponding to the driver's license and inputs the identification number of the driver's license and the like.

When the IC reading button 1005 is selected, the IC chip reading function of the face-to-face confirmation support terminal 1031 is called, and the information recorded on the IC chip of the personal identification document can be read. Further, when the photo shooting button 1006 is selected, the photo shooting function of the face-to-face confirmation support terminal 1031 is called, and information regarding the person to be confirmed can be photographed. These functions are used depending on the confirmation method in the confirmation information.

In step S715, the face-to-face confirmation support terminal 1031a transmits the result information to the confirmed business operator terminal 103a. In step S716, the result information acquisition unit 307 acquires result information from the confirmed business operator terminal 103a. In step S717, the result information transmitting unit 308 transmits the result information to the client terminal 102a.

In step S718, the settlement unit 312 settles the face-to-face confirmation fee based on the fee settlement method of the client DB 3011 and the confirmed business operator DB 3012.

In step S719, the history storage unit 309 stores the acquired result information in the confirmation history DB 3013 in association with confirmation information.

Through each of the above steps, the requester's identity verification through the selected business operator is completed.

Next, with reference to FIGS. 11 to 13, identity verification using history information will be described.

FIG. 11 shows an example of processing by the identity verification management device 101. This process is executed as the process after step S706 in FIG.

In step S1101, the request acquisition unit 303 acquires confirmation request information from the client terminal 102. Here, it is assumed that the confirmation request information shown in FIG. 12 has been acquired. The confirmation request information in FIG. 12 is different from the confirmation request information in FIG. 8 in that the history reference permission is set to "possible".

In step S1102, the confirmation history transmitting unit 310 determines whether history reference is enabled in the confirmation request information. If a negative determination is made in step S1102, the process in FIG. 11 ends, and information on the results of the face-to-face confirmation described in FIG. 7 is acquired.

If an affirmative determination is made in step S1102, the confirmation history transmitting unit 310 searches for history information based on the confirmation request information in step S1103. The search for history information is performed based on the name, address, date of birth, telephone number, etc. included in the confirmation request information.

In step 1104, the confirmation history transmitter 310 generates history candidate information indicating the history information that can be provided. The history candidate information is information for generating, for example, a history selection screen 1300 shown in FIG. 13 on the client terminal 102.

The history selection screen 1300 will be explained. The history selection screen 1300 has condition presentation columns 13011, 13021, 13031 and selection columns 13012, 13022, 13032. In the condition presentation columns 13011, 13021, and 13031, the name and history fee of the confirmed business entity that recorded the respective history information, and the confirmation date on which the identity confirmation was performed are displayed. The requester selects the history to be acquired using the selection fields 13012, 13022, and 13032 based on the name of the confirmed business operator, the presented fee, and the confirmation date. The requester can, for example, choose to use the history of a reliable verification provider even though the fee is high, or to use the history with the latest verification date.

In step S1105, the confirmation history transmitting unit 310 transmits history candidate information to the client terminal 102.

In step S1106, the confirmation history transmitting unit 310 acquires history selection information indicating the history selected through the history selection screen 1300 from the client terminal 102.

In step S1107, the confirmation history transmitting unit 310 refers to the confirmation history DB 3013 and transmits the selected history information to the client terminal 102.

In step S1108, the settlement unit 312 settles the history fee based on the fee settlement method of the client DB 3011 and the confirmed business operator DB 3012.

By enabling the identity verification management device 101 to perform identity verification based on history information, for example, if history fees are set lower than face-to-face verification fees from the perspective of personnel costs, etc., the client can save money at a low cost. You can verify your identity. In addition, the verified business operator can earn fees based on the result information obtained in the past without requiring any additional effort.

Face-to-face identity verification and identity verification using history information may be selected by the requester. For example, based on the request confirmation information, the identity verification management device 101 selects information on the confirmation provider selection screen 900 based on information generated by the candidate information transmission section 305 and history selection based on information generated by the confirmation history transmission section 310. A confirmed business operator-history selection screen 1400 having the information on the screen 1300 may be transmitted to the requester terminal 102.

Further, the confirmation information transmitting unit 306 may automatically select a confirmation business operator and proceed with identity confirmation based on the underwriting conditions and confirmation request information without requiring selection from the requester. For example, the confirmation request information may include automatic setting information indicating that the confirmation business operator with the lowest fee is to be selected, and the confirmation information transmitting unit 306 may determine the selected business operator based on the automatic setting information.

The embodiments of the present invention have been described above. The identity verification management device 101 according to the present embodiment includes a request acquisition unit 303 that acquires confirmation request information including confirmation information to be confirmed in identity verification from a requester who requests identity verification of a person to be verified; A confirmation information transmitting unit that transmits confirmation information to a selected business operator that is a confirmation business operator selected based on the confirmation request information from among at least one confirmation business operator stored in the storage unit 301 as a possible person who can perform the execution. 306, a result information acquisition unit 307 that acquires result information indicating the result of identity verification performed by the selected business operator based on the confirmation information from the selected business operator, and a result information transmission unit that transmits the result information to the requester. and.

Thereby, the client can perform identity verification through the selected business operator, which is the confirmation business operator selected from at least one confirmation business operator stored in the identity verification management device 101. As a result, the requester can save the time and effort of searching for a selected business operator, make a request, and receive the result information all at once, making it possible to smoothly perform face-to-face identity verification.

The identity verification management device 101 further includes an underwriting condition acquisition unit 304 that acquires underwriting conditions that are conditions for receiving a request for identity verification from each of at least one verified business operator, and a confirmation information transmitting unit 306 that Based on the request information and the underwriting conditions, confirmation information is sent to a confirmed business operator that satisfies the underwriting conditions.

As a result, the requester can use the confirmation request information to allow the confirmed business operator to execute a request that it can handle, thereby reducing the processing burden on both the requester and the confirmed business operator. Therefore, face-to-face identification can be smoothly performed.

The identity verification management device 101 further includes a candidate information transmitting unit 305 that transmits the underwriting conditions of each confirmed business operator and a pair of confirmed business operators corresponding to the underwriting conditions to the requester as candidate information. acquires from the client the confirmed business operator selection information indicating the confirmed business operator selected by the client based on the candidate information, and the confirmation information transmission unit 306 transmits the information to the confirmed business operator indicated by the confirmed business operator selection information. , send confirmation information.

As a result, the requester can obtain result information through a confirmed business operator that meets his or her needs from among the underwriting conditions presented by the confirmed business operators, thereby reducing the burden on the requester. Therefore, face-to-face identification can be smoothly performed.

The underwriting conditions may also include fee information indicating a fee charged to the requester by each of the at least one confirmed business entity. This allows the requester to select a confirmation business operator that sets an appropriate fee, thereby reducing the burden on the requester. Therefore, face-to-face identification can be smoothly performed.

Further, the underwriting conditions may include confirmation method information indicating a confirmation method that can be adopted by the confirmation business candidate in identity confirmation. This allows the requester to select a confirmation provider that can handle the confirmation method that meets his/her requirements, thereby reducing the burden upon making a request. Therefore, face-to-face identification can be smoothly performed.

Further, the underwriting conditions may include method-specific fee information indicating a fee to be charged to the client by the confirmed business operator candidate according to the confirmation method. This allows the verification business operator to set fees according to the effort involved, and also makes the fees clear for the requester. Therefore, the processing burden upon making a request is reduced on both the requester and the verification entity, and face-to-face identity verification is carried out smoothly.

The confirmation request information may also include method selection information indicating the confirmation method selected by the requester. As a result, the requester can make a request that includes the confirmation method he or she desires, and can select a confirmation provider that can reliably support his or her desired method.

The identity verification management device 101 also includes a history storage unit 309 that stores history information in which a verification target person, verification information, and result information are associated with each other in a storage unit, and a history storage unit 309 that stores history information in a storage unit based on confirmation request information. The confirmation history transmitter 310 further includes a confirmation history transmitter 310 that transmits the stored result information to the client when the result information is stored in the client.

This enables identity verification based on historical information. Identity verification based on history information, for example, allows for obtaining information on the results of face-to-face encounters, but does not involve actual verification work, making it possible to verify identity quickly in terms of time. Therefore, face-to-face identification can be smoothly performed.

In addition, when the result information is sent to the requester based on the history information, the identity verification management device 101 allows the confirmation business operator (selected confirmation business operator) that has acquired the transmitted result information to request the requester. The service provider further includes a historical fee acquisition unit 311 that acquires historical fee information indicating a fee to be paid from at least one confirmed business operator candidate.

In addition to making the fee clear, if the history fee is set lower than the face-to-face fee, the client can verify his/her identity at a low cost. In addition, the verified business operator can earn fees based on the result information obtained in the past without requiring any additional effort.

The embodiments described above are intended to facilitate understanding of the present invention, and are not intended to be interpreted as limiting the present invention. Each element included in the embodiment, as well as its arrangement, conditions, shape, size, etc., are not limited to those illustrated, and can be changed as appropriate.

DESCRIPTION OF SYMBOLS 10...Personal confirmation management system, 101...Personal confirmation management device, 102...Requester terminal, 103...Confirmation company terminal, 303...Request acquisition section, 304...Underwriting condition acquisition section, 305...Candidate information transmission section, 306...Confirmation Information transmission section, 307... Result information acquisition section, 308... Result information transmission section, 309... History storage section, 310... Confirmation history transmission section, 311... History fee acquisition section, 312... Settlement section

Claims (9)

to the computer,
request acquisition processing for acquiring confirmation request information including confirmation information to be confirmed in the identity confirmation from a requester who requests identity confirmation of a person to be confirmed;
Conditions for receiving a request for the identity verification from each of the at least one verification business entity stored in the storage unit as a person who can perform the identity verification, and each of the at least one verification business entity in the identity verification. an underwriting conditions acquisition process that acquires underwriting conditions including confirmation method information indicating a confirmation method that can be adopted;
Among the at least one confirmed business operator, the selected business operator is selected based on the confirmation request information and satisfies the underwriting conditions based on the confirmation request information and the underwriting conditions . a confirmation information sending process for sending confirmation information;
a result information acquisition process of acquiring result information indicating a result of the identity verification performed by the selected business operator based on the confirmation information from the selected business operator;
a result information transmission process of transmitting the result information to the requester;
A program to run. The program according to claim 1,
to the computer;
further executing a candidate information transmission process of transmitting a pair of the underwriting conditions of each of the at least one confirmed business operator and the confirmed business operator corresponding to the underwriting conditions as candidate information to the client;
The request acquisition process acquires from the client confirmation business selection information indicating the selected business operator selected by the client based on the candidate information;
The confirmation information transmission process is a program for transmitting the confirmation information to the selected business operator indicated by the confirmation business selection information. The program according to claim 1 or 2 ,
The underwriting conditions include fee information indicating a fee charged to the requester by each of the at least one confirmed business operator. The program according to any one of claims 1 to 3 ,
The underwriting conditions include method-specific fee information indicating a fee to be charged by the confirmation business operator to the requester according to the confirmation method. The program according to any one of claims 1 to 4 ,
The confirmation request information includes method selection information indicating the confirmation method selected by the requester. The program according to any one of claims 1 to 5 ,
to the computer;
a history storage process of storing history information in which the verification target person, the verification information, and the result information are associated in the storage unit;
Based on the confirmation request information, when the history information is stored in the storage unit, the program further causes a confirmation history transmission process to transmit the stored result information to the requester. 7. The program according to claim 6 ,
to the computer;
When the result information is transmitted to the requester based on the history information, history fee information indicating a fee to be charged to the requester by the selected business operator that has acquired the result information to be sent is included in the at least A program that further executes history fee acquisition processing from one confirmed business operator. a request acquisition unit that acquires confirmation request information including confirmation information to be confirmed in the identity confirmation from a requester who requests identity confirmation of a person to be confirmed;
A condition for receiving a request for the identity verification from each of the verification businesses stored in the storage unit as a person who can carry out the identity verification, and a confirmation method that each of the verification businesses can adopt in the identity verification. an underwriting conditions acquisition unit that acquires underwriting conditions including confirmation method information indicating the
Among the at least one confirmed business operator, the selected business operator is selected based on the confirmation request information and satisfies the underwriting conditions based on the confirmation request information and the underwriting conditions . a confirmation information transmitter that transmits confirmation information;
a result information acquisition unit that acquires result information indicating a result of the identity verification performed by the selected business operator based on the confirmation information from the selected business operator;
An information processing device comprising: a result information transmitting unit that transmits the result information to the requester. The computer is
Obtaining confirmation request information including confirmation information to be confirmed in the identity confirmation from a requester who requests identity confirmation of the person to be confirmed;
A condition for receiving a request for the identity verification from each of the verification businesses stored in the storage unit as a person who can carry out the identity verification, and a confirmation method that each of the verification businesses can adopt in the identity verification. obtaining underwriting conditions including confirmation method information indicating the
Among the at least one confirmed business operator, the selected business operator is selected based on the confirmation request information and satisfies the underwriting conditions based on the confirmation request information and the underwriting conditions ;
transmitting said confirmation information;
obtaining result information from the selected business operator indicating the result of the identity verification performed by the selected business operator based on the confirmation information;
An information processing method comprising: transmitting the result information to the client.

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