WO2023007786A1 - Terminal device, information processing method, program, and insurance service server - Google Patents

Abstract

This invention makes it possible to easily prevent fraud without requiring complicated operations.　An authentication unit 224 of an information processing unit 22 uses user-specific information to perform identity authentication. In addition, the authentication unit 224 or an insurance service server 30 performs ongoing authentication. In the ongoing authentication, after authenticity as to the user being an insured person has been guaranteed by the identity authentication, sensing information for insurance risk evaluation collected by a sensing unit 21 or the like is used. In the ongoing authentication, the identity authentication is repeated if authenticity is not guaranteed as to the information collected about the user guaranteed to be authentic through the identity authentication using the sensing information. Thus, it becomes possible to easily prevent fraud without requiring complicated operations.

Description

Terminal device, information processing method, program, and insurance business server

This technology makes it possible to easily prevent fraud without the need for complicated operations regarding terminal devices, information processing methods, programs, and insurance business servers.

In recent years, the cost of services provided has been changed based on information obtained from users. For example, in Patent Document 1, exercise information, vital information, health checkup information, etc. are acquired, and the acquired information is information of the insured person, that is, the authenticity of the acquired information is guaranteed. Insurance premiums for life and medical insurance are determined based on guaranteed information.

JP 2017-041199 A

By the way, in Patent Document 1, the first pulse wave information representing the first pulse wave, which is the pulse wave of the person to be authenticated, is acquired based on the image information of the person to be authenticated by sensing the body surface of the person to be measured. Based on the result of collation with the second pulse wave information representing the second pulse wave, which is the measured person's pulse wave, and the result of personal authentication based on the image information of the person to be authenticated, the exercise information of the person to be measured, etc. It guarantees authenticity. Therefore, if the pulse wave information cannot be obtained, it is impossible to prevent fraudulent exercise information and the like. In addition, in order to obtain the image information of the person to be authenticated by providing an imaging unit and to obtain the second pulse wave information, the authenticity assurance device must be worn at a position where the body surface of the person to be measured can be sensed. Therefore, it is not possible to easily prevent fraud.

Therefore, it is an object of the present technology to provide an information processing device, an information processing method, a program, and a server that can easily prevent fraud without complicated operations.

A first aspect of the present technology is to perform personal authentication using the user's unique information, and to evaluate the insurance risk collected after the authenticity that the user is an insured person is guaranteed by the personal authentication. an authentication unit that, in continuous authentication using sensing information, repeats the identity authentication when the authenticity of information collected from the user whose authenticity is guaranteed by the identity authentication is not guaranteed by the sensing information. It is in the terminal device provided.

In this technology, the user is authenticated by the authentication unit using the user's unique information. Do this every time the period passes. Continuous authentication uses sensing information for insurance risk evaluation that is collected after the authenticity of the user as an insured person is guaranteed by personal authentication. If the authenticity of the sensing information is not guaranteed, the authenticating unit repeats the authentication.

In continuous authentication, for example, authenticity is guaranteed when the change in feature values calculated based on sensing information is less than a preset threshold. Further, continuous authentication may be performed by the authentication unit, or may be performed by an insurance business server that evaluates insurance risks using sensing information.

The sensing information includes exercise-related information that changes according to the user's exercise, and is collected, for example, by a sensing unit provided in the terminal device.

Based on the authentication results of personal authentication and continuous authentication, the terminal device aggregates the sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed in the aggregation unit. Provides the aggregated results to the insurance business server. The tallying unit determines a user's rest period based on the sensing information, and excludes the sensing information collected during the rest period from the tally result. Also, the control unit provides the authentication result of the personal authentication and the continuous authentication to the insurance business server.

The user interface unit that accepts user operations and presents information presents follow-up information notified from the insurance business server in response to providing sensing information to the insurance business server. Also, the user interface unit may present the counting result of the counting unit and the authentication status of continuous authentication.

A second aspect of the technology is
performing personal authentication in an authenticating unit using the user-specific information;
In continuous authentication using sensing information for insurance risk evaluation collected after authenticity that the user is an insured person is guaranteed by the personal authentication, authenticity is guaranteed by the personal authentication by the sensing information. an information processing method including repeating the personal authentication by the authentication unit when the authenticity of the information collected for the user who has been authenticated is not guaranteed.

A third aspect of the technology is
A program that causes a computer to verify the authenticity of a user,
a procedure for performing personal authentication in an authenticating unit using user-specific information;
In continuous authentication using sensing information for insurance risk evaluation collected after authenticity that the user is an insured person is guaranteed by the personal authentication, authenticity is guaranteed by the personal authentication by the sensing information. and a procedure for repeating the personal authentication when the authenticity of the information collected for the user who has been authenticated is not guaranteed.

Note that the program of the present technology is, for example, a storage medium or communication medium provided in a computer-readable format to a general-purpose computer capable of executing various program codes, such as an optical disk, a magnetic disk, or a semiconductor memory. It is a program that can be provided by a medium or a communication medium such as a network. By providing such a program in a computer-readable format, processing according to the program is realized on the computer.

A fourth aspect of the present technology is
An insurance business server comprising an insurance business processing unit that evaluates insurance risks based on sensing information collected from a terminal device for a user during a period in which the user is an insured person and authenticity is guaranteed.

The insurance business processing unit in the insurance business server of this technology evaluates the insurance risk based on the sensing information collected from the user by the terminal device during the period in which the authenticity of the user as the insured person is guaranteed. . The insurance risk is evaluated by determining the exercise status of the user, who is the insured person and whose authenticity is guaranteed, and using the determination result. Also, the insurance business processing unit generates follow-up information based on the insurance risk evaluation result. In addition, the insurance business processing unit performs continuous authentication to verify the authenticity of information collected from users who are insured persons whose authenticity is guaranteed by sensing information, and notifies the terminal device of the authentication result. .

It is the figure which illustrated the structure of the insurance system. It is the figure which illustrated the structure of the terminal device. It is the figure which illustrated the structure of the insurance business process part. 4 is a flowchart illustrating insurance-related operations of a terminal device; It is the flowchart which illustrated the operation|movement of continuous authentication. It is the flowchart which illustrated the operation|movement of an insurance business server. It is the figure which illustrated the screen in the case of applying for health promotion insurance as an insurance product. It is the figure which illustrated the screen regarding the health promotion insurance with which the insurance contract was concluded. FIG. 10 is a sequence diagram showing an operation example of the insurance system after the conclusion of an insurance contract; FIG. 10 is a diagram illustrating a display screen during sensing information collection operation; FIG. 10 is a sequence diagram illustrating an operation after exercise. It is the figure which illustrated the presentation screen of follow-up information.

1. Configuration of insurance system 2 . Operation of insurance system 2-1. Operation of terminal device 2-2. Operation of Insurance Business Server 2-3. Operation example of the insurance system 3 . Modification

<1. Configuration of insurance system>
FIG. 1 illustrates the configuration of the insurance system of this technology. In the insurance system 10 , a terminal device 20 used by a user and an insurance business server 30 of an insurance company are connected via a network 40 .

The terminal device 20 has a sensing section 21 and an information processing section 22 . FIG. 2 illustrates the configuration of the terminal device. The sensing unit 21 collects sensing information indicating the exercise state of the user. Sensing information is information collected by sensing the user who owns the terminal device 20, and includes exercise-related information that changes according to the user's exercise. Also, the sensing information is used for insurance risk evaluation in the insurance business server 30 . For example, if the insurance product contracted with the user of the terminal device is an insurance product for the purpose of health promotion, the terminal device 20 receives vital information such as heart rate, blood pressure, respiratory rate, oxygen saturation, body temperature, and the like. Information indicating what kind of exercise was performed and how much, how much positional change occurred, etc., is collected as sensing information. The insurance business server 30 also uses the sensing information to evaluate the insurance risk according to the exercise status of the user possessing the terminal device 20, and reduces (discounts) the insurance premium based on the evaluation result.

The sensing unit 21 has, for example, a motion measuring unit 211 and a positioning unit 212 in order to collect sensing information including exercise-related information that changes according to the user's exercise. Further, the sensing unit 21 may have an authentication sensor unit 213 for collecting user-specific information used for personal authentication. Furthermore, the sensing unit 21 has a near field communication unit 214 that provides the information processing unit 22 with collected sensing information and authentication information.

The motion measurement unit 211 is configured using a vital sensor and an IMU (Inertial Measurement Unit) or an acceleration sensor. The exercise measurement unit 211 measures the vital information of the user wearing the sensing unit 21 (for example, at least one of heart rate, blood pressure, breathing rate, oxygen saturation, body temperature, etc.), the number of steps of the user wearing the sensing unit 21, Exercise intensity (for example, METs (metabolic equivalents)), and what kind of behavior the user wearing the sensing unit 21 is doing (for example, walking or running, sports such as tennis and golf, work performed in daily life, etc.) and so on, and supplies the measurement result to the near field communication unit 214 as sensing information.

The positioning unit 212 receives a positioning signal transmitted from a satellite or the like, a beacon signal from an access point, etc., performs position measurement by the sensing unit 21, and supplies the position measurement result to the near field communication unit 214 as sensing information.

The authentication sensor unit 213 collects user's unique information. For example, the authentication sensor unit 213 collects, as unique information, biological unique information (eg, face image, fingerprint information, iris information, vein information, etc.) of the user wearing the sensing unit 21 and supplies it to the near field communication unit 214 .

The near field communication unit 214 performs wireless communication with the information processing unit 22 using near field communication technology (for example, Bluetooth (trademark), NFC (Near field communication), etc.). Proximity communication unit 214 outputs sensing information collected by motion measurement unit 211 and positioning unit 212 and unique information generated by authentication sensor unit 213 to information processing unit 22 .

The information processing unit 22 performs personal authentication using the unique information of the user, information provision processing for providing the insurance business server with sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed, insurance company performs information presentation processing for presenting the information notified from to the user, and the like. For example, a smart phone or the like is used as the information processing unit 22 .

The information processing unit 22 includes, for example, a motion measurement unit 221, a positioning unit 222, an authentication sensor unit 223, an authentication unit 224, a counting unit 225, a near field communication unit 226, a communication unit 227, a user interface unit 228, and a control unit 229. there is

As with the exercise measurement unit 211, the exercise measurement unit 221 collects at least one of information such as the number of steps, exercise intensity, and behavior of the user who owns the information processing unit 22 as sensing information. and output to totalization unit 225 .

The positioning unit 222 receives positioning signals transmitted from satellites and the like, beacon signals from access points, etc., performs position measurement of the information processing unit 22, and outputs the position measurement results to the aggregation unit 225 as sensing information.

The authentication sensor unit 223 collects user's unique information. For example, the authentication sensor unit 223 collects biometric information (for example, face image, fingerprint information, iris information, vein information, etc.) of the user possessing the information processing unit 22 as unique information and outputs it to the authentication unit 224 .

The authentication unit 224 receives unique information acquired from the sensing unit 21 via the near field communication unit 226, unique information collected by the authentication sensor unit 223, or unique information input from the user interface unit 228 (for example, an ID, a password, a question, etc.). Personal authentication is performed by using pre-registered responses to personal identification numbers, user knowledge information such as personal identification numbers, and user-possessed information such as one-time passwords and code tables. In the present technology, personal authentication is authentication processing for verifying the authenticity of the user of the terminal device as an insured person.

In addition, the authentication unit 224 performs personal authentication based on the authentication result of continuous authentication using sensing information for insurance risk evaluation collected after authenticity that the user is an insured person is guaranteed by personal authentication. Do it again. In the present technology, continuous authentication refers to authenticity (hereinafter simply referred to as “authenticity of sensing information”) that is information collected from users whose authenticity is guaranteed by personal authentication based on sensing information, This is an authentication process for repeating and automatically verifying each time elapses. The authenticating unit 224 performs personal authentication again when the authenticity of the sensing information is not guaranteed by continuous authentication. The continuous authentication may be performed by the authentication unit 224 , or may be performed by the insurance business server 30 , and the authentication unit 224 may acquire the authentication result of the continuous authentication from the insurance business server 30 .

The aggregation unit 225 aggregates the sensing information acquired from the sensing unit 21 via the near field communication unit 226 and the sensing information collected by the movement measurement unit 221 and the positioning unit 222 . Also, the counting unit 225 counts the sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed, based on the authentication results of the personal authentication and the continuous authentication. For example, when the authenticity of the sensing information is no longer guaranteed when the continuous authentication is repeated, the counting unit 225 collects the authentication result indicating that the authenticity of the sensing information is guaranteed after the authenticity is guaranteed by the personal authentication. Aggregate the sensing information collected during the period up to the continuous authentication just before the is obtained. In addition, when the authenticity is no longer guaranteed when the continuous authentication is repeated, the counting unit 225 invalidates the collected sensing information, and after obtaining the authentication result indicating the assurance of the authenticity by the new personal authentication, the operation is performed. The sensing information collected until it is confirmed that the authenticity is continuously guaranteed by continuous authentication at the time of termination may be aggregated. Further, the tallying unit 225 determines the user's rest period based on the sensing information, and excludes the sensing information collected during the rest period from the tally result. In addition, the tallying unit 225 includes the collection time (or collection time) of the sensing information in the tally result of the sensing information.

The near field communication unit 226 performs wireless communication with the sensing unit 21 using near field communication technology (for example, Bluetooth (trademark), NFC (Near field communication), etc.). The near field communication unit 226 outputs the unique information acquired by the sensing unit 21 to the authentication unit 224 and outputs the sensing information collected by the sensing unit 21 to the counting unit 225 .

The communication unit 227 communicates with the insurance business server 30 via the network 40 and provides the insurance business server 30 with the authentication result of the authentication unit 224 and the aggregation result of the sensing information calculated by the aggregation unit 225 . Further, the communication unit 227 outputs to the control unit 229 after-follow information, which is notified from the insurance business server 30 and will be described later.

The user interface unit 228 presents various types of information to the user and accepts user operations. For example, in the user interface unit 228, a display element and a touch panel are provided on the display surface of the display element to form a GUI (graphical user interface). The user interface unit 228 presents to the user information regarding settings and operations of the terminal device 20, information notified from the insurance business server 30, and the like. The user interface unit 228 also outputs an operation signal to the control unit 229 according to the user's operation. Furthermore, user interface unit 228 accepts unique information input by a user operation.

The control section 229 controls the operation of each section of the information processing section 22 . When the control unit 229 causes the authentication unit 224 to perform personal authentication for verifying that the user of the terminal device 20 is a preset user, and it is verified that the user of the terminal device 20 is an insured person. , provides the authentication result of the personal authentication to the insurance business server 30 . In addition, when continuous authentication is performed by the authentication unit 224 , the control unit 229 may provide an authentication result to the insurance business server 30 .

The control unit 229 causes the totalizing unit 225 to totalize the sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed based on the authentication results of the personal authentication and the continuous authentication, and causes the communication unit 227 to It causes the insurance business server 30 to provide the aggregated results via the Internet. Further, the control unit 229 performs processing for presenting the follow-up information notified from the insurance business server 30 on the user interface unit 228, and the like.

The configuration of the terminal device 20 is not limited to the configuration in which sensing information is acquired by the sensing unit 21 and the information processing unit 22 as shown in FIG. For example, the sensing unit 21 may be provided in the information processing unit 22 , or the sensing information may be acquired only by the sensing unit 21 . It may also have a configuration not shown in the figure.

Returning to FIG. 1, the insurance business server 30 has an insurance business processing unit 31 and an insurance business database unit 32 .

The insurance business processing unit 31 performs insurance product proposals, contract processing, and follow-up processing after contract conclusion. In the present technology, the follow-up process is to determine the exercise status (for example, amount of exercise, exercise intensity, etc.) of the user who is the insured person based on the aggregated result of sensing information acquired from the terminal device 20, and determine the exercise status. Evaluate the insurance risk of the insured based on the results and already obtained discrimination results. Furthermore, if the insurance risk of the insured person is lower than the assumed risk range, incentives (for example, reduction of insurance premiums, provision of points that can be used to purchase products, or product discount coupons, etc.) If the insurance risk of the insured person is higher than the calculated risk range, processing that causes disadvantages to the user (for example, processing that increases insurance premiums or prohibits renewal of insurance, etc.) is performed. The insurance business processing unit 31 also generates follow-up information and sends it to the terminal device 20 . The follow-up information is additional information related to the insurance contract concluded between the user and the insurance company. This is information that the insurance company notifies the user in advance that the process of inviting the user will be performed at a predetermined timing (for example, contract renewal).

FIG. 3 exemplifies the configuration of the insurance business processing unit. The insurance business processing unit 31 has a communication unit 311 , an evaluation unit 312 , and a follow-up processing unit 313 . Also, the insurance business processing unit 31 may have an authentication unit 314 .

The communication unit 311 communicates with the terminal device 20 via the network 40 and acquires the tally result of the sensing information from the terminal device 20 . In addition, the communication unit 311 outputs to the terminal device 20 insurance premiums determined by the after-follow processing unit 313 and after-follow information indicating changes in insurance premiums.

The evaluation unit 312 determines the exercise status of the insured person possessing the terminal device 20 based on the tally result of the sensing information acquired from the terminal device 20, and evaluates the insurance risk based on the determination result. In addition, the evaluation unit 312 may evaluate changes in insurance risk using the determination result of the insured's exercise status and the insurance risk evaluation result stored in the insurance business database unit 32 . The evaluation unit 312 outputs the evaluation result to the follow-up processing unit 313 .

The after-follow processing unit 313 performs after-follow processing using the evaluation results output from the evaluation unit 312, and determines, for example, insurance premiums and changes in insurance premiums. The follow-up processing unit 313 generates follow-up information indicating insurance premiums determined based on the evaluation results, changes in insurance premiums, and the like. The after-follow processing unit 313 also outputs the generated after-follow information to the terminal device 20 via the communication unit 311 .

When the authentication unit 314 is provided in the insurance business processing unit 31, the authentication unit 314 acquires sensing information from the terminal device 20, performs continuous authentication based on the acquired sensing information, and performs continuous authentication via the communication unit 311. The authentication result is output to the terminal device 20 .

Returning to FIG. 1, the insurance business database unit 32 stores insurance contract information (for example, personal information of the insured person and information on insurance products with which the contract is concluded), determination results of the exercise status of the insured person, and insurance risk information. Save evaluation results, etc. The insurance business database unit 32 may also store sensing information and the like acquired from the terminal device 20 .

<2. Operation of Insurance System>
The terminal device 20 of the insurance system 10 collects sensing information for insurance risk evaluation from users whose authenticity is guaranteed by personal authentication as insured persons. In addition, the terminal device 20 performs continuous authentication using the collected sensing information every time a predetermined period elapses, and performs personal authentication again when the authenticity of the sensing information is not guaranteed. Furthermore, the terminal device 20 sends the sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed based on the authentication results of the personal authentication and the continuous authentication to the insurance business server 30 via the network 40. send to

The insurance business server 30 performs follow-up processing for contracted insurance products based on sensing information collected during the period in which the user of the terminal device 20 is the insured person and the authenticity is guaranteed.

<2-1. Operation of terminal device>
FIG. 4 is a flowchart illustrating an insurance-related operation of the terminal device. The terminal device performs pairing in step ST1. The terminal device 20 performs pairing so that the sensing unit 21 and the information processing unit 22 can mutually recognize and communicate with each other, and proceeds to step ST2.

In step ST2, the terminal device performs personal authentication. The information processing unit 22 determines whether the user possessing the terminal device is an insured person, or the unique information of the user acquired by the authentication sensor unit 213 of the sensing unit 21, the authentication sensor unit 223 of the information processing unit 22, or the like. The authentication unit 224 performs personal authentication using the ID, and proceeds to step ST3.

At step ST3, the terminal device determines whether the authenticity is guaranteed. When the unique information of the user matches the unique information of the insured person in the personal authentication in step ST2, the information processing section 22 determines that the authenticity is guaranteed, proceeds to step ST4, and proceeds to step ST4. If not, it is determined that the authenticity is not guaranteed, and the process proceeds to step ST9.

In step ST4, the terminal device acquires sensing information. The information processing unit 22 acquires and aggregates sensing information for insurance risk evaluation collected by the motion measurement unit 211 and the positioning unit 212 of the sensing unit 21 and the motion measurement unit 221 and the positioning unit 222 of the information processing unit 22. Output to the section 225 and proceed to step ST5.

In step ST5, the terminal device determines whether a predetermined period has passed. The information processing section 22 returns to step ST4 if the predetermined period has not elapsed, and proceeds to step ST6 if the predetermined period has elapsed.

In step ST6, the terminal device performs continuous authentication. The information processing unit 22 performs continuous authentication using sensing information collected after the authenticity of the insured person is guaranteed.

FIG. 5 is a flowchart illustrating the continuous authentication operation, and illustrates a case where the user's heart rate, user movement information (eg, acceleration information, angular velocity information, etc.), position information, etc. are collected as sensing information.

In step ST21, the terminal device determines whether the heart rate is being measured. If the authentication unit 224 of the terminal device 20 determines that the heart rate is being measured based on the sensing information collected by the exercise measurement unit 211 of the sensing unit 21, the process proceeds to step ST22, and the heart rate is not being measured. If it is determined that there is not, the process proceeds to step ST30.

In step ST22, the terminal device determines whether the probability of the person's behavioral characteristics being the person is equal to or greater than the threshold. The authentication unit 224 of the terminal device 20 performs gait authentication and the like based on sensing information collected by the motion measurement unit 211 (or the motion measurement unit 221) of the sensing unit 21, for example. The authenticating unit 224, in determining the personal probability of being equal to or greater than the threshold, uses a template, which is a learning result of the motion feature amount extracted from the motion information of the insured person, for example, and the motion measuring unit 211 (or the motion measuring unit 221). The extracted motion feature quantity is collated based on the motion information included in the sensing information. If the difference between the motion feature amounts is equal to or less than the predetermined amount, the authenticating section 224 determines that the authenticity probability is equal to or greater than the threshold, and proceeds to step ST23. If the difference in feature amount is larger than the predetermined amount, the authenticating section 224 determines that the probability of authenticity is lower than the threshold, and proceeds to step ST30.

In step ST23, the terminal device determines whether close proximity wireless communication is continuing. The authentication unit 224 of the terminal device 20 determines whether the short-range wireless communication is continuing between the sensing unit 21 and the information processing unit 22, and if it is continued, proceeds to step ST24, and performs the short-range wireless communication. If it is determined that the disconnection has occurred, for example, if the sensing unit 21 and the information processing unit 22 are separated from each other and the short-range wireless communication has been disconnected, the process proceeds to step ST30.

At step ST24, the terminal device determines whether there is a position change. Based on the positioning result indicated by the sensing information collected by the authentication unit 224 of the terminal device 20, for example, the positioning unit 212 of the sensing unit 21 or the positioning unit 222 of the information processing unit 22, it is determined whether a position change has occurred, and the position change is detected. If it is determined that the position change has occurred, the process proceeds to step ST25, and if it is determined that the position change has not occurred, the process proceeds to step ST26.

At step ST25, the terminal device determines whether the position change speed is within a predetermined speed range. The authentication unit 224 of the terminal device 20 calculates the moving speed from the positioning result and the elapsed time, and determines whether the moving speed of the positioning position is within a predetermined speed range. The predetermined speed range is set in advance so that it can be determined whether the user is using an illegal means of transportation. For example, the predetermined speed range is up to the maximum speed in exercise such as jogging, and the predetermined speed range is up to the maximum speed in exercise such as cycling. The authentication unit 224 proceeds to step ST29 if the calculated moving speed is within the predetermined speed range, and proceeds to step ST30 if it exceeds the predetermined speed range.

When proceeding from step ST24 to step ST26, the terminal device determines whether motion is detected. The authentication unit 224 of the terminal device 20 proceeds to step ST27 when detecting that the user is exercising based on the heart rate and motion information, and proceeds to step ST30 when not detecting exercise.

In step ST27, the terminal device determines whether the exercise has fallen below the threshold. If the authentication unit 224 of the terminal device 20 determines that the user's exercise is lower than the threshold value based on the heart rate and motion information, the authentication unit 224 sets a threshold value that indicates the boundary between the exercise state and the normal state, for example, and allows the user to rest. If the heart rate or the motion information falls below the threshold, the process proceeds to step ST28, and if it does not fall below the threshold, the process proceeds to step ST29.

In step ST28, the terminal device sets the rest period. The authentication unit 224 of the terminal device 20 sets the period during which the exercise is lower than the threshold as the rest period, and proceeds to step ST29.

In step ST29, the terminal device determines that authenticity is guaranteed. The authentication unit 224 of the terminal device 20 determines that the collected sensing information is information collected from users whose authenticity is guaranteed by personal authentication, and that the authenticity of the sensing information is guaranteed.

In step ST30, the terminal device determines that authenticity is not guaranteed. It is determined that the collected sensing information is not information collected from users whose authenticity is guaranteed by personal authentication, and that the authenticity of the sensing information is not guaranteed.

If such continuous authentication is performed, the user holding the terminal device 20 may use a car or the like to increase the amount of exercise, or remove the sensing unit 21 and remove only the sensing unit 21 to increase the amount of exercise. If an illegal operation or the like is performed, it can be determined that the authenticity of the sensing information is not guaranteed. Also, the sensing information collected while the user is resting can be prevented from being used for insurance risk evaluation.

It should be noted that the identity authentication determines that the user's unique information and the insured person's unique information match, but continuous authentication determines that the identity probability is equal to or greater than the threshold. In other words, personal authentication is an authentication method with higher authentication accuracy than continuous authentication.

Returning to FIG. 4, in step ST7, the terminal device determines whether the authenticity is guaranteed. The information processing section 22 proceeds to step ST8 when it is determined that the authenticity is guaranteed in the continuous authentication in step ST6, and proceeds to step ST9 when it is determined that the authenticity is not guaranteed.

In step ST8, the terminal device determines whether sensing has ended. For example, when a user operation indicating the end of exercise is performed on the user interface unit, the information processing unit 22 determines that the sensing is finished, proceeds to step ST10, and proceeds to step ST10. It is determined that sensing has not ended, and the process returns to step ST4.

At step ST9, the terminal device notifies that the authenticity is not guaranteed. The information processing section 22 notifies the user through the user interface section 228 that the authenticity is not guaranteed by the personal authentication or continuous authentication, and returns to step ST2.

At step ST10, the terminal device performs the totalization result upload process. The information processing unit 22 aggregates the sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed by the aggregation unit 225 based on the authentication results of the personal authentication and the continuous authentication. The tabulation result is uploaded to the insurance business server 30, and the process proceeds to step ST11.

In step ST11, the terminal device presents follow-up information. The information processing unit 22 presents the follow-up information notified from the insurance business server 30 to the user in response to uploading the aggregate result of the sensing information to the insurance business server 30 .

Note that the flowchart shown in FIG. 4 is an example of the insurance-related operation of the terminal device, and may include processes not shown in FIG. Moreover, the flowchart shown in FIG. 5 is not limited to the case where the processing is performed in the order shown in the figure. For example, after determination of position change and position change speed, measurement of heart rate, calculation of probability of a person of a behavioral characteristic, and the like may be performed. Further, a process not shown in FIG. 5 may be performed to determine whether or not the authenticity of the sensing information is guaranteed.

<2-2. Operation of insurance business server>
FIG. 6 is a flow chart illustrating the operation of the insurance business server. In step ST41, the insurance business server acquires sensing information. The insurance business processing unit 31 of the insurance business server 30 acquires the tally result of the sensing information from the terminal device 20, and proceeds to step ST42.

In step ST42, the insurance business server evaluates the insurance risk. The insurance business processing unit 31 of the insurance business server 30 identifies the insured person based on the sensing information collected from the user (insured person) by the terminal device 20 during the period in which the authenticity of the insured person is guaranteed. Evaluate the insurance risk and proceed to step ST43.

In step ST43, the insurance business server saves the evaluation results. The insurance business processing unit 31 of the insurance business server 30 saves the evaluation result obtained in step ST42 in the insurance business database unit 32, and proceeds to step ST44.

In step ST44, the insurance business server performs follow-up processing. The insurance business processing unit 31 of the insurance business server 30 provides incentives and/or disadvantage to the user based on the evaluation result obtained in step ST42 and the evaluation result of the insured person stored in the insurance business database unit 32. Inviting processing, etc. are performed, and the process proceeds to step ST45.

In step ST45, the insurance business server performs notification processing of follow-up information. The insurance business processing unit 31 of the insurance business server 30 generates follow-up information indicating the processing result of the follow-up processing performed in step ST44. Furthermore, the insurance business processing unit 31 notifies the terminal device 20 of follow-up information. In addition, the insurance business processing unit 31 may include, in the notification of follow-up information, the insurance risk evaluation result, the aggregate result of sensing information, advice for receiving incentives, and the like.

It should be noted that the flowchart shown in FIG. 6 shows part of the operation of the insurance business server, and may include processes not shown in FIG.

<2-3. Operation example of the insurance system>
Next, as an example of the operation of the insurance system, a case will be described in which health promotion insurance is contracted in which premiums and the like change according to the exercise status of the insured person.

FIG. 7 illustrates a screen when applying for health promotion insurance on a terminal device. The screens shown in FIG. 7 and FIGS. 8, 10, and 12, which will be described later, are displayed using the user interface unit 228, for example.

(a) of FIG. 7 illustrates an information input screen U1 when applying for insurance. The information input screen U1 is provided with menu items U1a that can be selected by the user and command buttons U1c for executing the selected items. The menu item U1a includes, for example, an item for user registration, an item for registering insurance application information related to contracted insurance, an item for registering an address, etc., and any of the items is selected. When the command button U1c is operated, the information of the selected item can be input. Further, when the input of the information necessary for the insurance contract is completed, the terminal device 20 displays the contract acceptance operation screen U2 shown in FIG. 7(b).

The contract acceptance operation screen U2 is provided with menu items U2a that can be selected by the user, and command buttons U2ca and U2cb for executing the selected items. The menu item U2a includes, for example, an item for confirming the contract and an item for confirming the terms of use. When one of the items is selected and the command button U2ca is operated, for example, Display information. Furthermore, when the command button U2ca is operated after the information of each selection item is displayed, it is determined that the user has agreed to the insurance contract, and the insurance business server 30 is notified that the insurance contract has been agreed. When the command button U2cb is operated, it is determined that the user has not agreed to the insurance contract, and the insurance business server 30 is notified of the non-agreement of the insurance contract. When the insurance contract with the user is completed, the insurance business server 30 notifies the terminal device 20 of the completion of the contract, and the terminal device 20 displays the contract completion screen U3 as shown in FIG. 7(c).

Fig. 8 exemplifies a screen related to health promotion insurance for which an insurance contract has been concluded. FIG. 8(a) illustrates an operation screen U4 at startup. The operation screen U4 is provided with menu buttons U4a, U4b, and U4c that can be selected by the user. The menu button U4a is a menu button operated when browsing insurance premiums, and the menu button U4b is a menu button operated when browsing exercise history. The menu button U4c is a menu button operated when notifying the insurance company of the user's exercise state.

(b) of FIG. 8 illustrates a user operation instruction screen U5 when the menu button U4c is operated. On the user operation instruction screen U5, for example, a display U5a to the effect that the sensing unit 21 and the information processing unit 22 are to be paired is displayed.

When the pairing of the sensing unit 21 and the information processing unit 22 is completed, the terminal device 20 displays the personal authentication screen U6 shown in FIG. 8(c). The personal authentication screen U6 includes a notification screen U6a for notifying the authentication method for personal authentication, and a menu button U6b for switching the authentication method for personal authentication. The information processing section 22 enables switching of the unique information used for personal authentication in response to the operation of the menu button U6b. For example, FIG. 8(c) shows that the user is authenticated using a fingerprint. By operating the menu button U6b, information to be used as unique information is switched.

FIG. 9 is a sequence diagram showing an operation example of the insurance system after the conclusion of the insurance contract. The sequence diagram of FIG. 9 shows the sensing unit 21 and the information processing unit 22 of the terminal device 20 and the insurance business processing unit 31 of the insurance business server 30. In the insurance system, the sensing information collected by the sensing unit 21 is used to perform personal authentication.

In step ST51, the information processing section 22 requests the sensing section 21 for unique information.

At step ST52, the sensing unit 21 generates unique information. The authentication sensor unit 213 of the sensing unit 21 generates, for example, an image representing a fingerprint as unique information and outputs the unique information to the information processing unit 22 .

In step ST53, the information processing section 22 determines authenticity based on the unique information. The authentication unit 224 of the information processing unit 22, for example, compares the fingerprint indicated by the unique information generated in step ST52 with a pre-registered fingerprint, and if the fingerprints match, the authenticity is guaranteed. If they do not match, it is determined that the authenticity is not guaranteed. When the authentication unit 224 determines that the authenticity is guaranteed, the information processing unit 22 applies an electronic signature to the authenticity determination result and outputs the result to the insurance business server 30 . If the information processing section 22 determines that the authenticity is not guaranteed, the information processing section 22 returns to step ST51 and requests unique information.

At step ST54, the insurance business processing unit 31 verifies the signature. The insurance business processing unit 31 verifies the signature of the information supplied from the information processing unit 22 in step ST53, confirms whether the user of the terminal device 20 is the insured person, and outputs the confirmation result to the information processing unit 22. do. When the insurance business processing unit 31 confirms that the person is an insured person, the information processing unit 22 starts collecting sensing information and displays a collection start notification screen. FIG. 8(d) exemplifies a collection start notification screen U7, and the collection start notification screen U7 is provided with a display U7a indicating that collection of sensing information has started.

At step ST55, the information processing section 22 requests the sensing section 21 for sensing information. The request for sensing information is not limited to the case where it is automatically made when the insurance business processing unit 31 confirms that the person is insured. A collection start menu button may be provided on the screen, and sensing information may be requested when the collection start menu button is operated.

At step ST56, the sensing unit 21 starts collecting sensing information. The sensing unit 21 starts collecting sensing information in the movement measuring unit 211 and the positioning unit 212 in response to a request for sensing information, and outputs the collected sensing information to the information processing unit 22 .

In step ST57, the information processing section 22 determines authenticity based on the sensing information. The authentication unit 224 of the information processing unit 22 uses the sensing information collected by the sensing unit 21 to determine the authenticity of information collected from users whose authenticity is guaranteed by personal authentication, and to perform user change, etc. is not performed. For example, the authentication unit 224 guarantees authenticity when the change in the feature amount calculated based on the motion information of the user is less than a preset threshold value, and guarantees authenticity when the change is equal to or greater than the threshold value. It is determined that it is not. When the authentication unit 224 determines that the authenticity is guaranteed, the information processing unit 22 applies an electronic signature to the authenticity determination result and outputs the result to the insurance business server 30 . If the information processing section 22 determines that the authenticity is not guaranteed, the information processing section 22 returns to step ST51 and requests unique information.

In step ST58, the insurance business processing unit 31 verifies the signature. The insurance business processing unit 31 verifies the signature of the information supplied from the information processing unit 22 in step ST57 to confirm whether the information is from the insured person. Further, the insurance business processing unit 31 outputs the verification result of the signature verification to the information processing unit 22 so that the information processing unit 22 can determine that the authenticity determination result has been correctly notified.

After a predetermined period of time tr has passed from step ST57, in step ST59 the information processing section 22 determines authenticity based on the sensing information in the same manner as in step ST57. For example, the authentication unit 224 guarantees authenticity when the change in the feature amount calculated based on the motion information of the user is less than a preset threshold value, and guarantees authenticity when the change is equal to or greater than the threshold value. It is determined that it is not. When the authentication unit 224 determines that the authenticity is guaranteed, the information processing unit 22 applies an electronic signature to the authenticity determination result and outputs the result to the insurance business server 30 . If the information processing section 22 determines that the authenticity is not guaranteed, the information processing section 22 returns to step ST51 and requests unique information.

In step ST60, the insurance business processing unit 31 verifies the signature. The insurance business processing unit 31 verifies the signature of the information supplied from the information processing unit 22 in step ST59 to confirm whether the information is from the insured person. Further, the insurance business processing unit 31 outputs the verification result of the signature verification to the information processing unit 22 so that the information processing unit 22 can determine that the authenticity determination result has been correctly notified.

Thereafter, continuous authentication is performed every time a predetermined period elapses to determine whether or not the sensing information is fraudulent. If the authenticity of the sensing information cannot be guaranteed, the authentication process can be redone from the personal authentication. , to use only sensing information whose authenticity is guaranteed that the user is an insured person.

FIG. 10 exemplifies the display screen during the operation of collecting sensing information. (a) of FIG. 10 illustrates the display screen U8 when sensing information is being collected. On the display screen U8, for example, a distance display U8a is provided to indicate the distance traveled up to the present time, which is the result of interim tallying of the sensing information. Further, when continuous authentication is performed, an authentication accuracy display U8b is provided to indicate the authentication accuracy based on the change in the feature amount calculated in the last continuous authentication. Further, the display screen U8 is provided with a command button U8c indicating the end of exercise, and when the command button U8c is operated, it is determined that the exercise is finished.

(b) of FIG. 10 exemplifies the display screen U9 when it is determined that the authenticity of the sensing information is not guaranteed by continuous authentication. The display screen U9 is provided with a command button U9a for re-authentication and a command button U9b for indicating the end of exercise. When the command button U9b is operated, it is determined that the exercise is finished.

Next, I will explain the actions after the end of the exercise. FIG. 11 is a sequence diagram illustrating an operation after exercise. Note that the sequence diagram of FIG. 11 shows the sensing unit 21 and the information processing unit 22 of the terminal device 20 and the insurance business processing unit 31 and the insurance business database unit 32 of the insurance business server 30 .

In step ST71, the information processing section 22 outputs an end notification to the sensing section 21 when the exercise ends. For example, the information processing unit 22 outputs an end notification for ending collection of sensing information to the sensing unit 21 when a user operation indicating the end of exercise is performed.

At step ST72, the sensing unit 21 performs sensing information collection end processing. The sensing unit 21 terminates the collection of sensing information performed by the motion measurement unit 211 and the positioning unit 212 and transmits the collected sensing information to the information processing unit 22 .

In step ST73, the information processing section 22 aggregates sensing information whose authenticity is guaranteed. The tallying unit 225 of the information processing unit 22 tallies the sensing information collected during the period in which the authenticity of the user as an insured person is guaranteed based on the authentication results of the personal authentication and the continuous authentication. For example, the tallying unit 225 may calculate the total value of the amount of exercise and the amount of movement, and may calculate the consumed calories during the period in which the authenticity is guaranteed based on the accumulated sensing information. In addition, the tallying unit 225 excludes the exercise rest period of the user when tallying the sensing information. The information processing unit 22 applies an electronic signature to the tally result of the tally unit 225 and outputs it to the insurance business server 30 .

In step ST74, the insurance business processing unit 31 verifies the signature. The insurance business processing unit 31 verifies the signature of the information supplied from the information processing unit 22 in step ST73, confirms whether the information is provided from the terminal device 20 of the insured person, and sends the confirmation result to the information processing unit. 22.

At step ST75, the insurance business processing unit 31 performs an evaluation based on the aggregated results. The insurance business processing unit 31 determines the exercise status of the insured person based on the aggregated result. In addition, the insurance business processing unit 31 evaluates the insurance risk based on the exercise status determination result, and outputs the evaluation result to the insurance business database unit 32 .

In step ST76, the insurance business database section 32 saves the evaluation results. The insurance business database unit 32 stores the evaluation results obtained by the insurance business processing unit 31 for each insured person.

At step ST77, the insurance business database unit 32 outputs the evaluation result. Based on a request from the insurance business processing unit 31 , the insurance business database unit 32 outputs the already obtained and stored evaluation result of the insured person to the insurance business processing unit 31 .

In step ST78, the insurance business processing unit 31 performs follow-up processing. The insurance business processing unit 31 calculates the insurance risk of the insured person based on the result of determining the exercise status of the insured person based on the aggregated result of the sensing information acquired from the terminal device 20 and the already obtained evaluation result of the insurance risk. evaluate. Furthermore, the insurance business processing unit 31 generates follow-up information based on the insurance risk evaluation result and notifies the terminal device 20 of the follow-up information. For example, the insurance business processing unit 31 provides follow-up information for notifying the insured person in advance that an incentive will be provided if the insurance risk of the insured person is lower than the assumed risk range. Generate follow-up information for notifying the insured person in advance that if the insurance risk of the insured person is higher than the assumed risk range, a process that causes the user's disadvantage will be performed. . Further, in the signature verification performed in step ST74, even if the confirmation result is not output to the information processing unit 22, the after-follow information includes the aggregate result of the sensing information acquired from the terminal device 20 and the evaluation result of the insured's exercise. If this information is included, the user can determine what kind of aggregated result was provided to the insurance business server 30 and what kind of exercise evaluation result was used to generate the follow-up information.

In step ST79, the insurance business database section 32 saves the follow-up information. The insurance business database unit 32 stores the follow-up information generated by the insurance business processing unit 31 for each insured person. By storing the follow-up information in this way, the insurance business database unit 32 can grasp the progress of notifications to the insured regarding contracted insurance products.

In step ST80, the information processing section 22 presents follow-up information. The information processing section 22 presents the follow-up information notified from the insurance business processing section 31 to the user.

FIG. 12 exemplifies a presentation screen for follow-up information. In the after-follow information presentation screen U10, a display U10a showing the after-follow information notified from the insurance business processing unit 31 is provided. The distance, the remaining travel distance until the insurance premium is reduced, and the like are shown. The presentation of the follow-up information is not limited to the display using the user interface unit 228, and voice or the like may be used.

In this way, according to the present technology, the terminal device 20 performs continuous authentication using sensing information for insurance risk evaluation that is collected after authenticity that the user is an insured person is guaranteed by personal authentication. , the identity authentication is repeated when the authenticity of the sensing information is not guaranteed. Therefore, even if the user does not perform complicated operations, the terminal device 20 can determine whether the information is collected from a user whose authenticity is guaranteed by personal authentication based on the sensing information. can be prevented.

Further, if continuous authentication is performed by the terminal device 20, there is no need to transmit the sensing information acquired from the insured person from the terminal device 20 to the insurance business server 30, which is an external device, so the confidentiality of the sensing information can be enhanced. can. Furthermore, continuous authentication may be performed by the insurance business server 30 . In this case, the terminal device 20 does not need to perform feature amount extraction or the like based on the motion information included in the sensing information, so it is possible to reduce load and power consumption. In addition, the insurance business server 30 can optimize and perform continuous authentication for each insured person.

In addition, in the present technology, the authentication results of the personal authentication and the continuous authentication are provided to the insurance business server 30. Therefore, the insurance business server 30 receives the information during the period in which the authenticity of the user of the terminal device 20 as the insured person is guaranteed. can be calculated. Therefore, the insurance business server 30 can confirm the authenticity of the tally result by matching the period calculated based on the authentication result with the period indicated by the tally result notified from the terminal device 20 .

<3. Variation>
By the way, in the above-described embodiment, as an example of the operation of the insurance system, a case was exemplified in which health promotion insurance in which the insurance premium changes according to the exercise status of the insured person is contracted. Assess insurance risk based on sensing information for
Any insurance product that evaluates the insurance risk based on the sensing information collected for the insured person is acceptable, and is not limited to health promotion insurance.

In addition, the authentication method of this technology can also be applied to other systems. For example, the system performs authentication using unique information and continuous authentication using sensing information collected from fraud detection targets, and uses sensing information collected after authenticity is guaranteed by authentication using unique information. to repeat continuous authentication. Also, if the authenticity of the sensing information is not guaranteed by continuous authentication, the system performs authentication using unique information. By using such an authentication method, various systems can easily prevent fraud without requiring the user to perform complicated operations.

A series of processes described in the specification can be executed by hardware, software, or a composite configuration of both. When executing processing by software, a program recording a processing sequence is installed in a memory within a computer incorporated in dedicated hardware and executed. Alternatively, the program can be installed and executed in a general-purpose computer capable of executing various processes.

For example, the program can be recorded in advance on a hard disk, SSD (Solid State Drive), or ROM (Read Only Memory) as a recording medium. Alternatively, the program can be stored on flexible discs, CD-ROMs (Compact Disc Read Only Memory), MO (Magneto optical) discs, DVDs (Digital Versatile Discs), BDs (Blu-Ray Discs (registered trademark)), magnetic discs, and semiconductor memory cards. It can be temporarily or permanently stored (recorded) in a removable recording medium such as. Such removable recording media can be provided as so-called package software.

In addition to installing the program on the computer from a removable recording medium, the program can also be downloaded from the download site via a network such as WAN (Wide Area Network), LAN (Local Area Network) such as cellular, or the Internet to the computer wirelessly or by wire. You can transfer with The computer can receive the program transferred in this way and install it in a built-in recording medium such as a hard disk.

It should be noted that the effects described in this specification are merely examples and are not limited, and there may be additional effects that are not described. Moreover, the present technology should not be construed as being limited to the above-described embodiments. The embodiments of the present technology disclose the present technology in the form of examples, and it is obvious that those skilled in the art can modify or substitute the embodiments without departing from the gist of the present technology. That is, in order to determine the gist of the present technology, the scope of claims should be taken into consideration.

In addition, the terminal device of the present technology can also have the following configuration.
(1) Personal authentication is performed using the user's unique information, and continuation using sensing information for insurance risk evaluation collected after the user's authenticity as an insured person is guaranteed by the personal authentication A terminal device comprising an authentication unit that, in authentication, repeats the identity authentication when the authenticity of information collected from the user whose authenticity is guaranteed by the identity authentication is not guaranteed by the sensing information.
(2) The terminal device according to (1), wherein the personal authentication is an authentication method with higher authentication accuracy than the continuous authentication.
(3) The terminal device according to (1) or (2), wherein the continuous authentication is performed each time a predetermined period of time elapses.
(4) In any of (1) to (3), in the continuous authentication, authenticity is guaranteed when a change in the feature amount calculated based on the sensing information is less than a preset threshold. The terminal device according to 1.
(5) The terminal device according to any one of (1) to (4), wherein the continuous authentication is performed by the authentication unit.
(6) The terminal device according to any one of (1) to (5), including a sensing unit that collects the sensing information.
(7) The terminal device according to any one of (1) to (6), wherein the sensing information includes exercise-related information that changes according to the user's exercise.
(8) an aggregating unit that aggregates the sensing information collected during a period in which the authenticity of the insured person is guaranteed based on the authentication results of the personal authentication and the continuous authentication;
The terminal device according to any one of (1) to (7), further comprising a control unit that provides a total result of the totalizing unit to an insurance business server.
(9) The terminal device according to (8), wherein the counting unit determines a rest period of the user based on the sensing information, and excludes the sensing information collected during the rest period from the counting result.
(10) The terminal device according to (8) or (9), wherein the control unit provides authentication results of the personal authentication and the continuous authentication to the insurance business server.
(11) having a user interface unit that accepts user operations and presents information;
The terminal according to any one of (8) to (10), wherein the user interface unit presents follow-up information notified from the insurance business server in response to providing the sensing information to the insurance business server. Device.
(12) The terminal device according to (11), wherein the user interface unit presents the counting result of the counting unit and the authentication status of the continuous authentication.
(13) The terminal device according to (12), wherein the follow-up information includes information for notifying an increase or decrease in insurance premiums.

In addition, the present technology can include the following insurance system.
Personal authentication is performed using the user's unique information, and in continuous authentication using sensing information for insurance risk evaluation collected after the authenticity of the user as an insured person is guaranteed in the personal authentication, a terminal device comprising an authentication unit that repeats the identity authentication when the authenticity of information collected from the sensing information for the user whose authenticity is guaranteed by the identity authentication is not guaranteed;
an insurance business server comprising an insurance business processing unit that evaluates insurance risks based on sensing information collected from the user by the terminal device during a period in which the authenticity of the user as an insured person is guaranteed; insurance system with

DESCRIPTION OF SYMBOLS 10... Insurance system 20... Terminal device 21... Sensing part 22... Information processing part 26... Proximity communication part 30... Insurance business server 31... Insurance business processing part 32... Insurance business database unit 40 Network 211, 221 Motion measurement unit 212, 222 Positioning unit 213, 223 Authentication sensor unit 214, 226 Near field communication unit 224, 314 - Authentication unit 225 Totaling unit 227 Communication unit 228 User interface unit 229 Control unit 311 Communication unit 312 Evaluation unit 313 After-follow processing unit

Claims (20)

1. Personal authentication is performed using the user's unique information, and in continuous authentication using sensing information for insurance risk evaluation collected after the authenticity of the user as an insured person is guaranteed in the personal authentication, A terminal device comprising an authentication unit that repeats the personal authentication when the authenticity of information collected from the sensing information for the user whose authenticity is guaranteed by the personal authentication is not guaranteed.
2. 2. The terminal device according to claim 1, wherein the personal authentication is an authentication method with higher authentication accuracy than the continuous authentication.
3. 2. The terminal device according to claim 1, wherein said continuous authentication is performed each time a predetermined period elapses.
4. 2. The terminal device according to claim 1, wherein in said continuous authentication, authenticity is guaranteed when a change in the feature value calculated based on said sensing information is less than a preset threshold value.
5. The terminal device according to claim 1, wherein the continuous authentication is performed by the authentication unit.
6. The terminal device according to claim 1, comprising a sensing unit that collects the sensing information.
7. The terminal device according to claim 1, wherein the sensing information includes exercise-related information that changes according to the user's exercise.
8. an aggregating unit that aggregates the sensing information collected during a period in which the authenticity of the insured person is guaranteed based on the authentication results of the personal authentication and the continuous authentication;
   2. The terminal device according to claim 1, further comprising a control unit that provides a total result of said total unit to an insurance business server.
9. The terminal device according to claim 8, wherein the tallying unit determines a rest period of the user based on the sensing information, and excludes the sensing information collected during the rest period from the tally result.
10. 9. The terminal device according to claim 8, wherein the control unit provides authentication results of the personal authentication and the continuous authentication to the insurance business server.
11. Equipped with a user interface unit that accepts user operations and presents information,
    9. The terminal device according to claim 8, wherein the user interface unit presents follow-up information notified from the insurance business server in response to providing the sensing information to the insurance business server.
12. 12. The terminal device according to claim 11, wherein the user interface unit presents the counting result of the counting unit and the authentication status of the continuous authentication.
13. 13. The terminal device according to claim 12, wherein the follow-up information is information including a notification indicating an increase or decrease in insurance premiums.
14. performing personal authentication in an authenticating unit using the user-specific information;
    In continuous authentication using sensing information for insurance risk evaluation collected after authenticity that the user is an insured person is guaranteed by the personal authentication, authenticity is guaranteed by the personal authentication by the sensing information. an information processing method including repeating the personal authentication by the authentication unit when the authenticity of the information collected for the user who has been authenticated is not guaranteed.
15. A program that causes a computer to verify the authenticity of a user,
    a procedure for performing personal authentication in an authenticating unit using user-specific information;
    In continuous authentication using sensing information for insurance risk evaluation collected after authenticity that the user is an insured person is guaranteed by the personal authentication, authenticity is guaranteed by the personal authentication by the sensing information. a program for causing the computer to execute a procedure for repeating the personal authentication when the authenticity of the information collected for the user who has been authenticated is not guaranteed.
16. An insurance business server comprising an insurance business processing unit that evaluates insurance risks based on sensing information collected from a user by a terminal device during a period in which the user's authenticity as an insured person is guaranteed.
17. 17. The insurance business server according to claim 16, wherein said insurance business processing unit generates follow-up information based on said insurance risk evaluation result.
18. 18. The insurance business server according to claim 17, wherein said follow-up information is information including a notification indicating an increase or decrease in insurance premiums.
19. 18. The insurance business processing unit according to claim 17, wherein the insurance business processing unit determines the exercise status of the user who is the insured person whose authenticity is guaranteed based on the sensing information, and evaluates the insurance risk based on the determination result. Insurance business server.
20. The insurance business processing unit performs continuous authentication for verifying the authenticity of information collected from users who are the insured persons whose authenticity is guaranteed by the sensing information, and sends the authentication result to the terminal device. 17. The insurance business server according to claim 16, which notifies.

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