KR100632109B1 - Apparatus and method for changing personal information - Google Patents

Abstract

The present invention relates to a personal information change service technology, and more particularly, to a technology that expands functions throughout the system to enable a substantial service provision to a variety of service target companies, in addition to the existing system.

According to an aspect of the present invention, there is provided an apparatus for changing personal information, comprising: an authentication unit performing authentication using authentication information received from a user terminal, and personal identification information received from the user terminal to a personal credit information database unit; The company identification information extraction unit that receives identification information of a company that has a business relationship with the individual among individual personal credit information managed by the Ministry, and the user terminal corresponds to the company corresponding to the extracted identification information and the extracted identification information. The company selection unit which transmits the company list information that the remaining companies are not distinguished and receives the company selection information from which the company is selected among the company list information from the user terminal, and the personal information change to receive the changed personal information from the user terminal. Changed to the computer of the selected vendor Characterized in that it comprises a change information sending unit for transmitting personal information.

Change personal information, internet services, user interface

Description

Device and method for changing personal information {APPARATUS AND METHOD FOR CHANGING PERSONAL INFORMATION}

1 is a view showing the configuration of a personal information change device according to an embodiment of the present invention.

2 is a procedure showing a personal information change method according to an embodiment of the present invention.

Figure 3 is an example showing a screen for selecting a personal information change service target company according to an embodiment of the present invention.

The present invention relates to a personal information change service technology, and more particularly, to a technology that expands functions throughout the system to enable efficient and practical service provision for various and many service target companies, in addition to existing systems.

As you may know, if you change your personal information such as your address, contact information, e-mail, etc. to receive mails such as various bills due to moving or relocating your office or office, please visit each relevant company without changing the Internet. The so-called personal information change service technology is known, which makes it possible to change information at one time by using.

In the background of the introduction of such personal information change service technology, first of all, from the perspective of the company, the company sends a DM to an address that is not updated, incurring complaints and losses, and the customer's changed address for customer relationship marketing. There is a large amount of manpower and costs in the verification process, and the demand for accurate customer identification information is increasing for effective target marketing.

In addition, from an individual's point of view, it is inconvenient for customers to contact the respective companies directly and make modifications, and it also takes a lot of time / cost, resulting in economic losses such as late fees and penalties due to non-receipt of various bills. There is a risk of personal information leakage due to mail mistransmission. In other words, the company wants to reduce the loss cost of the company by constantly updating the customer information, the individual has a request to reduce the convenience and time cost of changing their personal information.

On the other hand, companies that individuals trade, for example, banks, credit card companies, securities companies, mobile operators, department stores, marts, insurance companies, automobile companies, oil companies, magazines, Internet companies, airlines, newspaper companies, high-speed Internet companies, etc. It can be classified into various sectors. In addition, at the "1stopmove.com" site currently in service, there are 20 of these sectors, and there are 50,000 companies to choose from.

Therefore, when an individual wants to change his / her registered personal information, since the service subject to change is different for each individual, the company traded for each individual will be selected differently. In other words, many people each have a different lifestyle and personality, and the number of businesses they trade in is diverse and immense, which makes it easier and more efficient for a particular individual to choose exactly what they are doing. Plan should be in place.

In addition, according to the statistics office, more than 9 million people have been continuously moving population since 1999, and the population movement in 2002 increased by 0.5% compared to 2001. When considering the shift of the population according to the change of employment and transfer, it is estimated to increase by more than 30%, and it is estimated that the national annual movement by 2002 is 13.5 million. In addition, there are an average of 9.8 DM clients such as card company insurance per capita.

In addition, users can subscribe to various companies through the online / offline path, and if there is a better company than the previously used company, they will sign up for a new company. It's common to be unable to remember the company you were using.

In this situation, the existing interface method that allows the user to directly select the service target company is very cumbersome and inconvenient, and it is very difficult for the user to remember without forgetting which company their personal information is registered to.

Meanwhile, the managed personal information (eg, items of personal information) are different for each company, and their personal information registered by the individual at the time of subscription, for example, may also be different for each company. For example, the newsletter of A company may want to receive it at home, and the bill of B company may want to receive it at the company. In addition, an individual can remember a business that he or she has previously subscribed to, but for example, it can be remembered as a specific item such as what is the registered e-mail address or what the registered address is, or whether the registered phone number is before or changed. It is often not possible to remember whether you have registered personal information.

The present invention recognizes such a situation and considers the personal information change service to be more convenient. Therefore, in the present invention, in the personal information change service, the individual provides the individual with the personal information previously registered for each company. According to this, the user can check the personal information registered for each company and can select whether to change the item in the personal information (eg, phone number, address, email address, etc.) will be very convenient.

In addition, in the present invention, by transmitting the personal identification information to the affiliated company computer, it is possible to ensure the above-mentioned personal information for each company. If, as in the prior art, the personal credit information providing computer does not confirm with the company what the company has previously dealt with (as a basic idea of the present invention, the detailed description thereof will be described later), the service providing computer is affiliated with All company computers will be asked for personal information previously registered by the individual. The more partnerships you have with more companies for faithful service, the more time you need to inquire. Therefore, even those skilled in the art will not be able to derive a convenient technical idea that allows the user to select whether or not to change by item (eg, phone number, address, e-mail address, etc.).

On the other hand, according to the prior art, the personal information is changed in a batch, but the individual had to inconvenience again to inquire each company in order to confirm whether the change of the personal information is correct.

The present invention has been devised in such a situation, by providing a list of companies that the user deals with the user using personal credit information managed by the personal credit information provider, the user can conveniently and personally change the service target The purpose is to present a way to select a company.

Furthermore, in the personal information change service, the present invention provides the individual with the personal information previously registered by the company to the individual, so that the user confirms the personal information registered by the company and the item (for example, telephone number) in the personal information. Another goal is to provide a way to choose whether or not to change the name to an email address, email address, etc.).

According to a preferred embodiment of the present invention for achieving the above object, the present invention uses personal credit information managed by a personal credit information provider. As is well known, if a user agrees to use personal credit information for the purpose of preventing overdue, personal information such as card issuance date, card issuer, and reason for card issuance are provided to the national bank association computers. Then, the credit information provider computer receives the personal credit information from the national bank association computer and provides the credit information back to the corresponding financial company computer for the personal credit information.

If a person's credit card payment is overdue, the credit information is registered at the financial institution's computer-> National Bank Federation's computer-> credit provider's computer. In addition to such credit card information, loan information such as loan date / loan amount / loan reason or warranty information such as guarantee date / guarantee amount / guarantee reason may be included in personal credit information.

In addition, personal credit information providers can provide services by partnering with a second financial company (eg installment financing, capital, savings bank, etc.) and not with a first financial company. Can provide. That is, each company can receive personal credit information held by other companies by providing personal credit information of its own, and the personal credit information provider is in charge of the medium of information flow. In one embodiment, depending on how many personal credit information providers can have affiliates, a number of companies in various sectors may be a service target company. In the present invention, it is possible to provide a list of companies that the user deals with from the trading company information included in such personal credit information and managed for each individual.

The foregoing and further aspects of the present invention will become more apparent through the following embodiments. Hereinafter, the present invention will be described in detail with reference to the preferred embodiments described with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce.

1 is a view showing the configuration of a personal information change device according to an embodiment of the present invention, Figure 2 is a flow chart showing a personal information change method according to an embodiment of the present invention. Hereinafter, a description will be given with reference to the drawings.

According to a preferred embodiment of the present invention, in the personal information change method executable in the service providing computer 110, the present invention uses authentication information received from the user terminal 101 to which the service providing computer 110 is connected. Performing online authentication (201) and transmitting personal identification information received from the user terminal 101 to the personal credit information database unit 129 (203) and managing the personal credit information database unit 129; Receiving the identification information of the company that the individual deals with personal credit information of each individual in the step 205 and the user terminal 101, the company corresponding to the extracted identification information and the remaining companies that do not correspond to the extracted identification information Step 211 of transmitting the company list information, which is distinguished from the user terminal 101, and selecting a company from which the corresponding company is selected from the company list information. A step 217 for receiving the report, a step 219 for receiving the changed personal information from the user terminal 101, and a step 221 for transmitting the changed personal information to the computer 109 of the selected company. It is characterized by.

The service providing computer (device) 110 can be basically implemented by a system technology for providing web content such as a web server function, a database server function, an application application, etc., and a person skilled in the art can provide a service from the matters described herein. The configuration of the computer 110 can be implemented.

The service providing computer 110 is most typically by using the trading company information managed for each individual of the personal credit information managed in the personal credit information database unit 129, the company of the company that the user is trading A list can be provided, and the list information is used to provide a convenient personal information change service.

In service providers, it is desirable to be registered as a company member by cooperating with many companies in various industries. In one embodiment, the member providing unit 121 is provided in the service providing computer 110. The member registration unit 121 stores registration information of affiliated companies in the database unit 127. For example, it may be company identification information, address, contact information, and the like. In addition, personal information items managed by each company as personal information may be included. For example, it may be a name, social security number, telephone number, address, email address, and the like.

In addition, the member register 121 may register individual users as members. In one embodiment, the member registration unit 121 provides a web page for service subscription to the user terminals 101 to 105, and receives the information required for the service subscription from the user terminals 101 to 105, the database unit Save to (127). In one embodiment, the information required for the service subscription may be a name, social security number, telephone number, address, email address, ID, password and the like.

In addition, in one embodiment, the authentication unit 135 performs an online authentication operation by using the authentication information received from the user terminal 101 (step 201). In one embodiment, the authentication unit 135 may receive a general ID and password from the user terminal 101 to perform the authentication, and in some cases, the authentication unit 135 from the user terminal 101 to the public certificate information You can also identify a person by receiving it and verifying it. As is known, verifying yourself using a public certificate allows you to verify your identity online under the Credit Information Act. In addition, there are techniques for verifying identity online, such as credit card identity verification and bank account identity verification technology. For example, the authentication unit 135 may receive the authentication information such as the card expiration date, resident number, card number, card password, etc. from the user terminal 101 and authenticate the same, thereby performing a credit card self-authentication operation. . Alternatively, the authentication unit 135 may receive authentication information such as an account number, a social security number, an account password, etc. from the user terminal 101 and authenticate the bank account identity.

In one embodiment, the company identification information extraction unit 115 outputs the personal identification information received from the user terminal 101 to the personal credit information database unit 129 (203). This personal identification information can be obtained from the authentication information transmitted from the user terminal 101.

The personal credit information database unit 129 is managed by a personal credit information provider. As described above, the credit information provider computer 120 is provided with the personal credit information to the national bank association computer (not shown), etc., and provides the credit information to the corresponding financial company computer (109 to 113). In one embodiment, the personal credit information database unit 129 may be managed by a separate personal credit information providing computer 120.

The company identification information extracting unit 115 extracts identification information of a company that the individual trades from individual personal credit information managed by the personal credit information database unit 129 (203 and 205).

As described above, the information managed for each individual in the personal credit information database unit 129 is credit card information, loan information, warranty information, fee information, delinquent information, etc. are recorded for each company. Therefore, the company identification information extraction unit 115 may extract identification information of a company that the individual deals with.

That is, the company identification information extracting unit 115 transmits the personal identification information received from the user terminal 101 to the personal credit information database unit 129 (203), which is managed by the personal credit information database unit 129. Among the personal credit information for each individual receives identification information of the company that the individual deals with (205).

Then, the company selection unit 117 provided in the service providing computer 110 informs the user terminal 101 of the company list information in which the companies corresponding to the extracted identification information and the remaining companies not corresponding to the extracted identification information are distinguished. (211, see FIG. 3).

In one embodiment, the individual is going to do business with some of all the affiliated companies. The company selection unit 117 generates the company list information consisting of the corresponding companies using the identification information of the company with which the corresponding individual received in step 205, and transmits it to the user terminal 101. In the embodiment of Fig. 3, Kookmin Bank, Hana Bank, Shinhan Bank, LG Card, Samsung Card, and Hyundai Card are a list of companies that the user is trading.

In addition, the company selection unit 117 is composed of companies that do not register as a company that the individual trades in the personal credit information database unit 129 that does not correspond to the extracted identification information among all the affiliated companies The list information is generated and transmitted to the user terminal 101. In the embodiment of Fig. 3, the insurance companies include Samsung Life Insurance, Dongbu Insurance, Kyobo Life Insurance, Korea Life Insurance, Shindongah Fire Insurance, and SK Life Insurance. The telecommunications companies include SKT, KTF, and LGT. In addition, the internet company may be registered as an internet company (not shown).

In addition, the company selector 117 may transmit the guide information to the user terminal 101 instructing the user to select a company subject to the personal information change service (see 205 and FIG. 3). In an embodiment, the aforementioned step 205 of the company selector 117 may be implemented by transmitting a web page as shown in FIG. 3 to the user terminal 101.

The company selector 117 receives, from the user terminals 101 to 105, company selection information in which the corresponding company is selected by the user from the transmitted company list information (217).

In one embodiment, the user may selectively request to change the personal information from among companies that have their identification information registered. In addition, in one embodiment, the user may (optionally) request a change of personal information even among companies whose identification information is not registered. The company selector 117 stores the selected company information for each individual in a corresponding area of the database unit 129.

The personal information changing unit 119 provided in the service providing computer 110 receives the changed personal information from the user terminal 101 (S219). In one embodiment, the changed personal information received from the user terminal 101 may be a home address, a work address, a phone number, a mobile phone number, an email address, and the like. Of course, the personal information changer 119 may provide the user terminal 101 with a modified web page screen including a list of changeable personal information and input fields of personal information in order to receive the above-described changed personal information. (Not shown). The personal information changing unit 119 stores the changed personal information for each individual in the corresponding area of the database unit 129.

On the other hand, according to an embodiment of the present invention, in the case of a change landline phone number or a mobile phone number received from the user terminal (101 to 105) can check whether the validity. As such, a technology for checking the validity of a telephone number corresponds to a technique disclosed before the present invention is applied, and is registered in Japan, the United States, and Taiwan, and is currently pending in Korea and China. According to an embodiment of the present invention, in the case of the change e-mail address received from the user terminal 101, it is possible to verify the authenticity of the e-mail address.

Then, the change information sending unit 125 transmits the changed personal information for each individual to the corresponding company computer (109) (221). The company computer to be sent out is determined from the selected company list information (stored in the database unit 129). Accordingly, the corresponding company computer 109 can change the registered information of the customer.

As described above, according to the preferred embodiment of the present invention, the user can use the personal credit information managed by the personal credit information provider in addition to the conventional interface method that allows the user to directly select the service target company. By providing the business information to the user, a specific individual can easily, conveniently and efficiently select the companies they are dealing with among all the companies subject to personal information change.

Particularly, when an individual wants to change his or her registered personal information, each person has a different life pattern or personality. Therefore, there are a lot of companies and businesses that deal with various types of business. Through various businesses, if you have a better company than the previous one, you will sign up for a new one, and you will only use the one that you have recently joined, and you will not remember the one you used before. There are many common and memorable companies, but it is possible to provide a way for a particular individual to easily and efficiently select a company that is exactly in business with him.

In addition, according to an embodiment of the present invention, a personal credit information database (also previously serviced) that stores credit card information, loan information, guarantee information, delinquent information, etc. of each individual who has agreed to use personal credit information. Because of this, it is possible to efficiently find out which company the individual is dealing with. In addition, each company that has been previously selected as a target company for providing credit information may be a service target company, and thus has advantages in various aspects, such as a company member registration procedure, service promotion, and sales.

In addition, according to an embodiment of the present invention, among the personal credit information for each company, a company that has a business relationship with the individual, such as commercial banks, credit card companies, installment financing companies, capital companies, savings banks, automobile companies, telecommunications companies, Internet sites, etc. Thus, in the present invention as described above, it has an advantageous advantage that the service can be efficiently and conveniently available to a variety of companies in a number of industries as well as financial companies.

On the other hand, according to an embodiment of the present invention, if identification information of a company with which the individual deals with the user is extracted (see 205), transmitting the personal identification information to the computer 109 of the corresponding company (207); Receiving the personal information registered in the company from the computer 109, the step (209), and after the company list information corresponding to the extracted identification information is transmitted (211), which is received from the user terminal 101 In response to the request signal, the method further comprises the step 215 of transmitting personal information registered for each company to the user terminal 101.

As described above, the managed personal information (eg, the item of personal information) is different for each company, and the personal information that an individual registers at the time of subscription, for example, may also be different for each company. For example, the newsletter of A company may want to receive it at home, and the bill of B company may want to receive it at the company. In addition, an individual may remember a business that he or she has previously subscribed to, but for example, it may be something specific, such as what is the registered email address, what is the registered address, whether the registered phone number is before the change or the changed phone number. It is often not possible to remember whether you have registered personal information.

The present invention recognizes such a situation and considers the personal information change service to be more convenient. Specifically, in the present invention, the personal information acquisition unit 131 provides the individual with the personal information previously registered for each company by the individual (207, 209). In one embodiment, when the user terminal 101 displays the company list information (211, Fig. 3 needle), when the user clicks the "view registration information" icon (see Fig. 3), the personal information providing unit 133 ) Transmits previously registered information for each company with which the user is trading to the user terminal 101 in the form of a web page (215).

According to this, the user can check the personal information registered for each company, and can select whether to change by item (for example, phone number, address, email address, etc.) in the personal information, it is very convenient to change the personal information.

In addition, in the present invention, by transmitting the personal identification information to the affiliated company computer, it is possible to ensure the above-mentioned personal information for each company. If, as in the prior art, the personal credit information providing computer 120 (personal credit information database unit 129) does not confirm with which company the business has previously been dealt with, the service providing computer 110 is not affiliated with all the companies. The company computer 109-113 will have to query the personal information previously registered by the individual. The more partnering with many companies for faithful service, the more time it takes to contact us, making it difficult to realize practical services. However, in the embodiment of the present invention, by combining with the existing personal credit information providing system, it is possible to derive a convenient technical idea that can be selected whether to change by item (eg, phone number, address, email address, etc.) It is possible.

In one embodiment, the change result notifying unit 123 provided in the service providing computer 110 receives the response information from the corresponding company computer 109 that has received the changed personal information (223), the change result notifying unit ( 123 transmits the change result notification information to the corresponding user terminal 101 (225).

Preferably, when the change of the personal information is completed internally, the company computer 109 transmits the response information according to the change result to the service providing computer 110. Then, the change result notification unit 123 notifies the change result to the corresponding user terminal (eg, 101) (225). In one embodiment, the corresponding user terminal may be a user PC connected to the Internet, and the notification of the change result may be an email transmission. Alternatively, the corresponding terminal may be a mobile communication terminal, and the notification of the change result may be a text message transmission.

For example, a technique of transmitting a predetermined information by a server on a communication network (for example, the Internet) to a mobile communication terminal or by setting a data communication channel exclusively for a mobile communication terminal is widely used in the art. It can be easily derived.

As described above, according to an embodiment of the present invention, the company computer internally reflects the personal information to be changed and then transmits the response information, and notifies the user terminal corresponding to the change result when the response information is received. Therefore, the user can conveniently check the personal information change result of each company without having to check the personal information change result by connecting to each company computer or the like as in the prior art.

In one embodiment, the user terminal 101, because the link icon included in the web page provided by the computer 109 of any one of the registered companies is clicked, personal information change device (service providing computer) ( 110).

In one embodiment, the user may also have direct access to the website of the company providing the service of the present invention. In some cases, the user may visit a website provided by an affiliated company and click on a link icon (personal information change service icon) included in the web page. As a result, the user terminals 101 to 105 are connected to the service providing computer 110.

According to the characteristic aspect of the present invention described above, there is an advantage that can use the partner sites such as Kookmin Bank site, LG Card site, etc. as an intermediate medium to access the site of the service provider. In addition, other affiliated companies (not affiliated companies used as an intermediate route) may transmit a fee for changing the personal information to an affiliated supplier utilized as the intermediate route.

As described above, according to the exemplary embodiment of the present invention, the user may use the personal credit information managed by the personal credit information provider in addition to the conventional interface method that allows the user to directly select the service target company. By providing the business information to the user, a specific individual can easily, conveniently and efficiently select the companies that he or she is dealing with among all the companies subject to personal information change.

In particular, when individuals want to change their registered personal information, each person has a different life pattern or personality, so there are a lot of businesses and businesses that are dealing with a lot of business sectors. Through a variety of businesses to sign up, if you have a better company than the previous one to sign up for a new business, and also only recently used businesses, you will not remember the company you used previously There is a common tendency, but among these many unremembering companies, there can be a way to make it easier and more efficient for a particular individual to select exactly those companies with whom he or she is dealing.

In addition, according to an embodiment of the present invention, a personal credit information database (also previously serviced) that stores credit card information, loan information, guarantee information, delinquent information, etc. of each individual who has agreed to use personal credit information. Because of this, it is possible to efficiently find out which company the individual is dealing with. In addition, since each company that has been previously selected as a provider of credit information becomes a service company, it has advantageous advantages in various aspects, such as company membership registration procedures, service promotion, and sales.

In addition, according to an embodiment of the present invention, among the personal credit information for each company, a company that has a business relationship with the individual, such as commercial banks, credit card companies, installment financing companies, capital companies, savings banks, automobile companies, telecommunications companies, Internet sites, etc. Thus, in the present invention as described above, it has the advantage that the service is available efficiently and conveniently for a variety of companies in various industries as well as financial companies.

As described above, the managed personal information (eg, the item of personal information) is different for each company, and the personal information that an individual registers at the time of subscription, for example, may also be different for each company. For example, you may want to receive newsletters from company A and your company's bills from your home. In addition, an individual may remember a business that he or she has previously subscribed to, but for example, it may be something specific, such as what is the registered email address, what is the registered address, whether the registered phone number is before the change or the changed phone number. It is often not possible to remember whether you have registered personal information.

The present invention recognizes such a situation and considers the personal information change service to be more convenient. Specifically, in the present invention, the personal information acquisition unit 131 provides the individual with the personal information previously registered for each company by the individual (207, 209). In one embodiment, when the user terminal 101 displays the company list information (211, Fig. 3 needle), when the user clicks the "view registration information" icon (see Fig. 3), the personal information providing unit 133 ) Transmits previously registered information for each company with which the user is trading to the user terminal 101 in the form of a web page (215).

According to this, the user can check the personal information registered for each company, and can select whether to change by item (for example, phone number, address, email address, etc.) in the personal information, it is very convenient to change the personal information.

In addition, in the present invention, by transmitting the personal identification information to the affiliated company computer, it is possible to ensure the above-mentioned personal information for each company. If, as in the prior art, the personal credit information providing computer 120 (personal credit information database unit 129) does not confirm with which company the business has previously been dealt with, the service providing computer 110 is not affiliated with all the companies. Company computers 109 through 113 will have to query for personal information previously registered by the individual. The more partnerships you have with more companies for faithful service, the more time you need to inquire. However, in the embodiment of the present invention, by combining with the existing personal credit information providing system, it is possible to derive a convenient technical idea that can be selected whether to change by item (eg, phone number, address, email address, etc.) It is possible.

In addition, since the company computer internally reflects the personal information to be changed and transmits the response information, and when the response information is received, the change result is notified to the user terminal corresponding to the received personal information. The user can conveniently check the personal information change result of each company without having to check the personal information change result by connecting to a computer or the like.

In addition, partner sites such as Kookmin Bank website or LG Card site can be utilized as an intermediary to access the site of the service provider. In addition, other affiliated companies (not affiliated companies used as an intermediate route) may transmit a fee for changing the personal information to an affiliated supplier utilized as the intermediate route.

Although the present invention has been described with reference to the accompanying drawings, it should not be construed as being limited thereto, but should be construed to cover many modifications that are obvious from this.

Claims (12)

In the personal information change device, An authentication unit which performs authentication using authentication information received from a user terminal; Company identification information for transmitting the personal identification information obtained from the authentication information to the personal credit information database unit, and receiving the identification information of the company that has a business relationship with the individual among the individual personal credit information managed by the personal credit information database unit An extraction unit; Sending the company list information in which the companies corresponding to the extracted identification information and the remaining companies that do not correspond to the extracted identification information are transmitted to the user terminal, and according to the selection of the company of the user who read the company list information, A company selection unit which receives company selection information from a user terminal; A personal information changing unit which receives the changed personal information from the user terminal; A change information sending unit for transmitting the changed personal information to a computer of a company selected by the user; Personal information change device comprising a. delete delete The method of claim 1, A personal information acquisition unit for transmitting the personal identification information to a computer of a company with which the individual extracted by the company identification information extracting unit trades, and receiving personal information registered with the company from the company computer; A personal information providing unit transmitting personal information registered for each company acquired by the personal information obtaining unit to the corresponding user terminal in response to a request from the user terminal; Personal information change device further comprising. delete The method of claim 1, A change result notifying unit which transmits change result notification information to a corresponding user terminal when response information is received from the corresponding company computer which has received the changed personal information; Personal information change device further comprising. In the personal information change method executable on the service providing computer, Performing authentication using the authentication information received from the user terminal; Transmitting personal identification information obtained from the authentication information to a personal credit information database unit, and receiving identification information of a company with which the individual trades among individual personal credit information managed by the personal credit information database unit; Transmitting company list information corresponding to the extracted identification information and company list information for distinguishing the remaining companies not corresponding to the extracted identification information to the corresponding user terminal; Receiving company selection information from a corresponding user terminal according to a company selection of the user who browses the company list information; Receiving changed personal information from the corresponding user terminal; Transmitting the changed personal information to a computer of the selected company; Personal information change method comprising the. delete delete The method of claim 7, wherein Transmitting the personal identification information to a computer of the extracted company when the identification information of the company with which the corresponding person is trading is extracted; Receiving personal information registered in the company from the company computer; In response to a request from the user terminal, transmitting the personal information registered for each company to the corresponding user terminal; Personal information change method characterized in that it further comprises. delete The method of claim 7, wherein A change result notification step of transmitting change result notification information to a corresponding user terminal when response information is received from a corresponding company computer that has received the changed personal information; Personal information change method characterized in that it further comprises.

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