Information management system and information management method

Abstract

To reduce a workload accompanying update of a credit card.SOLUTION: An information management system includes: an identity verification result acquisition unit which transmits a request for identity verification to an inhabitant terminal according to a contact address of the inhabitant terminal included in addressee information, and acquires a result of personal authentication conducted by an authentication server in response to the request for identity verification; a second transmission unit which transmits an inquiry content as to whether an inhabitant desires to update a credit card, to the terminal of the inhabitant after the identity is verified; a third transmission unit which transmits an address of the addressee information to the inhabitant terminal after the identity is verified; a fourth transmission unit which transmits, when receiving an answer indicating that the address included in the addressee information is incorrect, to the inhabitant terminal, an address included in inhabitant information which is obtained in accordance with the identity verification conducted by the authentication server; and an addressee information management unit which receives a modified address obtained by modifying the address included in the inhabitant information, and writes the modified address, as an address included in the addressee information.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an information management system and an information management method. [Background technology]

[0002] A credit card is generally set with an expiration date (see, for example, Patent Document 1). A certain period of time before the expiration date, a new card with an updated expiration date is sent to the cardholder. The address of the cardholder that has been registered by the cardholder is used as the shipping address. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-039574 Summary of the Invention [Problem to be solved by the invention]

[0004] However, when a credit card is renewed, the period until the renewal date is relatively long. Therefore, the cardholder may move before the renewal date. If the cardholder has completed the procedure for changing his / her address with the card company in response to the move, the renewed credit card will be delivered to the address after the move, making it possible for the renewed credit card to be delivered to the cardholder. On the other hand, if the cardholder has moved but has not completed the procedure for changing his / her address with the card company, the renewed card will be delivered to the address before the move. In this case, the renewed card cannot be delivered to the cardholder and will not be delivered. If it is not delivered, the renewed credit card will be returned to the card company, which will result in a workload for the credit card company to contact the cardholder and confirm the latest address, etc. Also, cardholders who do not use their credit cards often may not want to renew their credit cards. However, even if they do not want to renew their credit cards, the credit card company will send them an updated credit card. In this case, the credit card company will have to bear the workload of issuing updated credit cards to cardholders who do not want to renew their credit cards. In this way, the credit card companies incur a workload associated with updating credit cards.

[0005] The present invention has been made in consideration of the above circumstances, and its purpose is to provide an information management system and information management method that can reduce the workload associated with credit card renewals at credit card companies. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems, one aspect of the present invention is an information management system including a consumer terminal and an information management server, wherein the information management server includes a storage unit that stores shipping destination information including at least the address of a cardholder whose credit card is to be updated and contact information for the consumer terminal, a first transmission unit that transmits a request for identity verification to the consumer terminal based on the contact information for the consumer terminal included in the shipping destination information, an identity verification result acquisition unit that acquires the result of identity verification performed on the consumer using the consumer terminal, which is transmitted from an authentication server that performs personal authentication, and a verification result acquisition unit that determines whether the consumer is the real person. a second transmission unit that transmits an inquiry as to whether or not the consumer wishes to update the credit card to the consumer's terminal when the confirmation indicates that the consumer is the identity of the consumer; a third transmission unit that transmits to the consumer's terminal an address in the shipping information corresponding to the consumer that is stored in the memory unit when the confirmation indicates that the consumer is the identity of the consumer; and a fourth transmission unit that transmits to the consumer's terminal an address in the consumer information obtained in response to the identity confirmation performed by the authentication server when the address in the shipping information is incorrect based on a response as to whether or not the address in the shipping information is correct that is transmitted from the consumer's terminal. and a shipping destination information management unit that receives a revised address that is a correction to the address included in the consumer information and that is sent from the consumer terminal, and writes the revised address as the address included in the shipping destination information, wherein the consumer terminal has a fifth transmission unit that communicates with the authentication server in response to the request for identity verification and transmits information necessary for personal authentication to the authentication server, a sixth transmission unit that displays an inquiry about whether or not the consumer wishes to update the credit card, which is sent from the information management server, on a display unit, and when the consumer enters an answer as to whether or not the credit card needs to be updated, transmits the input answer to the information management server, a display unit that displays an address in the shipping destination information sent from the information management server, and when an answer indicating whether or not the address included in the shipping destination information is correct is input, transmits the input answer to the information management server, and a control unit that causes the address included in the consumer information sent from the information management server to be displayed on the display unit, accepts input of changes to at least a portion of the displayed address, and transmits the changed address to the information management server.

[0007] In addition, in the above-mentioned information management system, the present invention may be configured so that the identity verification result acquisition unit acquires lifestyle information regarding the lifestyle as a result of the identity verification, and the information management system has an authentication unit that determines whether the lifestyle is the identity of the lifestyle by performing an authentication process based on whether there is a correspondence between reference items in the lifestyle information and the shipping destination information, and the second transmission unit transmits an inquiry to the lifestyle's terminal as to whether or not the lifestyle wishes to renew the credit card when it indicates that the lifestyle has been confirmed to be the identity of the lifestyle based on the authentication process result of the authentication unit.

[0008] Another aspect of the present invention is an information management method in an information management system including a consumer terminal and an information management server, wherein a first transmission unit of the information management server references a memory unit that stores shipping destination information including at least the address of a cardholder whose credit card is to be updated and contact information for the consumer terminal, and transmits a request for identity verification to the consumer terminal based on the contact information for the consumer terminal included in the shipping destination information, a fifth transmission unit of the consumer terminal communicates with the authentication server in response to the request for identity verification and transmits information necessary for personal authentication to the authentication server, an identity verification result acquisition unit of the information management server acquires a result of identity verification performed on the consumer using the consumer terminal transmitted from an authentication server that performs personal authentication, and a second transmission unit of the information management server transmits an inquiry to the consumer's terminal as to whether or not the consumer wishes to update the credit card if the result of the identity verification indicates that the consumer is the person in question, and a sixth transmission unit of the consumer terminal displays the inquiry as to whether or not the consumer wishes to update the credit card transmitted from the information management server on a display unit. and when the resident inputs an answer as to whether or not an update is required, the input answer is transmitted to the information management server; when a third transmission unit of the information management server indicates that the resident has been confirmed to be the resident, the address of the shipping information corresponding to the resident stored in the memory unit is transmitted to the resident terminal; a display unit of the resident terminal displays the address of the shipping information transmitted from the information management server; when a seventh transmission unit of the resident terminal inputs an answer indicating whether or not the address included in the shipping information is correct, the seventh transmission unit of the resident terminal transmits the input answer to the information management server; and when the address included in the shipping information is incorrect based on the answer as to whether or not the address included in the shipping information transmitted from the resident terminal is correct, the fourth transmission unit of the information management server transmits to the resident terminal an address included in the resident information obtained in response to identity verification performed by the authentication server; a control unit of the resident terminal causes the address included in the resident information transmitted from the information management server to be displayed on the display unit, accepts input of a change to at least a part of the displayed address, and transmits the changed address to the information management server;The information management method is such that a shipping destination information management unit of the information management server receives a revised address that is a correction made to an address included in the consumer information and is transmitted from the consumer terminal, and writes the revised address as an address included in the shipping destination information. Effect of the Invention

[0009] As described above, according to the present invention, it is possible to reduce the workload of credit card companies associated with updating credit cards. [Brief description of the drawings]

[0010] [Figure 1] 1 is a schematic block diagram showing a configuration of an information management system S according to an embodiment of the present invention. [Diagram 2] 2 is a functional block diagram showing functions of the information management server 10. FIG. [Diagram 3] FIG. 2 is a diagram showing an example of delivery destination information stored in a storage unit 101. [Figure 4] 2 is a schematic block diagram illustrating functions of a consumer terminal 20. FIG. [Diagram 5] FIG. 11 is a diagram illustrating the flow of information regarding a card renewal process. [Figure 6] 10 is a flowchart illustrating the flow of processing performed by the information management server 10 and the company / organization server 30. [Figure 7] FIG. 2 is a diagram showing an example of a display screen displayed on the consumer terminal 20. [Figure 8] FIG. 2 is a diagram showing an example of a display screen displayed on the consumer terminal 20. [Figure 9] FIG. 2 is a diagram showing an example of a display screen displayed on the consumer terminal 20. [Figure 10] 11 is a flowchart according to a second embodiment. [Figure 11] FIG. 2 is a diagram showing an example of a display screen displayed on the consumer terminal 20. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] An information management system S according to an embodiment of the present invention will be described below with reference to the drawings. First Embodiment FIG. 1 is a schematic block diagram showing the configuration of an information management system S according to an embodiment of the present invention. In the information management system S, an information management server 10, a consumer terminal 20, a company / organization server 30, a mobile carrier server 35, and an authentication server 40 are connected via a network NWa. Also, as a part related to the information management system S, there is a personal card (for example, a My Number card, hereinafter referred to as an “MN card”) 200. A resident U is a user who uses the resident terminal 20, and is the owner of the MN card 200.

[0012] The information management server 10 has a function of acting as an intermediary between the company / organization server 30 and the consumer terminal 20 in the business of collecting information on consumers, which is requested by a company or organization. The information management server 10 may be, for example, a computer (information processing device) such as a server device or a personal computer (PC), or a cloud server. The information management server 10 performs control for executing a procedure requested by the resident terminal 20.

[0013] The consumer terminal 20 is an information processing device used by a consumer (user). The consumer terminal 20 may be, for example, any of a smartphone, a mobile phone, a tablet, a PC, or the like.

[0014] The resident terminal 20 has a display unit such as a liquid crystal display that displays information, and an operation unit such as a touch panel that accepts operational input from the resident. The resident terminal 20 executes processing related to procedures for the company or organization corresponding to the company / organization server 30 for the information management server 10.

[0015] A consumer makes a contract with a communications carrier of the mobile carrier server 35 for using a communication service using the consumer terminal 20. The consumer terminal 20 is capable of communicating using a communication service provided by the contracted communications carrier. A telephone number is assigned to the resident terminal 20. The resident terminal 20 has a function of executing a message application that performs communication with this telephone number as the destination or source.

[0016] The MN card 200 is an IC (Integrated Circuit) card that stores an electronic certificate 210. The MN card 200 is an example of a personal card that is a public certificate. In this case, the MN card 200 stores a signature electronic certificate and a user authentication electronic certificate as the electronic certificate 210 in a storage area (memory).

[0017] The company / organization server 30 is a server device managed by a company or organization. The company or organization is, for example, a company or organization that issues credit cards, and more specifically, a card company. Credit cards have an expiration date. Such credit cards need to be renewed before the expiration date arrives. A credit card is renewed by issuing a credit card with a new expiration date and sending it to the cardholder. The company / organization server 30 has an owner information storage unit. The owner information storage unit stores owner information, which is a list of cardholders (consumers) who have applied for a credit card and been issued a credit card. The owner information includes at least the address of the cardholder whose credit card is to be renewed and the contact information for the consumer terminal. The contact information for the consumer terminal is, for example, a telephone number (mobile phone number) assigned to the consumer terminal 20, and is a telephone number at which the cardholder can be contacted. The owner information may also include the consumer's name, date of birth, whether or not the card needs to be renewed, etc. The following description will be given with credit card renewal as an example, but the present invention is not limited to credit cards and may be a membership card or the like, as long as renewed products or the like are sent to the owner when the renewal period arrives. Such a company or organization may be, for example, an insurance company, a bank, etc. The company / organization server 30 communicates with the information management server 10 via the communication network NWa.

[0018] The mobile carrier server 35 is a server device managed by a telecommunications carrier. The telecommunications carrier is, for example, an MNO (Mobile Network Operator) that provides the resident terminal 20 with a communication service using a telephone number and a communication line owned or operated by the carrier. The mobile carrier server 35 allows the information management server 10 and the resident terminal 20 to communicate with each other via the communication network NWa. Here, the case where there is one mobile carrier server 35 is illustrated, but if there are multiple mobile carriers, a different mobile carrier server 35 is provided for each mobile carrier.

[0019] The authentication server 40 is, for example, a server device that provides a public personal authentication service operated by J-LIS (Japan Agency for Local Government Information Systems). In this example, the authentication server 40 is described as including a function of a signature verifier that verifies a digital signature, but the authentication server 40 may be configured with a server device that provides the public personal authentication service and a server device that has the function of a signature verifier being separate servers. The authentication server 40 communicates with the information management server 10 via a communication network NWa. Public personal authentication (JPKI authentication) is one of the methods, and is an authentication method that uses a personal card, which is a public certificate, to verify the identity of the person. More specifically, the public personal authentication is an authentication method that uses JPKI (public personal authentication service). In this public personal authentication, a personal card is used. The personal card may be any medium equipped with a function that can be used to perform public personal authentication, and may be the MN card 200 or a medium other than the MN card 200.

[0020] When performing official personal authentication, processing is carried out based on PIN entry, card touch operation, etc. The PIN input is to input a PIN (Personal Identification Number) required for official personal authentication. The card touch operation is to bring the MN card 200 for official personal authentication close to the card touch screen of the consumer terminal 20.

[0021] For example, when the consumer terminal 20 receives a request for identity verification from the information management server 10, the consumer touches an operation button, causing the consumer terminal 20 to display an input screen for PIN input along with a message such as "Please enter your My Number card PIN." The consumer visually checks the input screen and inputs the PIN into the consumer terminal 20 according to the message displayed on the input screen. When the consumer terminal 20 stores the PIN entered by the consumer, it displays a touch screen showing a frame representing the shape of the card along with a message such as "Please touch your My Number card." The consumer performs a touch operation by bringing the MN card 200 close to the touch screen. When the touch operation is performed, communication between the consumer terminal 20 and the MN card 200 is established.

[0022] Here, a case where a PIN is input and a card touch operation is performed to perform public personal authentication will be described, but if the electronic certificate function of the public personal authentication service is installed in the consumer terminal 20 (such as a smartphone), there is no need to input a PIN or touch a card, and the public personal authentication process can be performed using the function installed in the consumer terminal 20. That is, when performing public personal authentication, the consumer terminal 20 does not need to have the consumer touch the My Number card, and by performing biometric authentication processing such as face authentication or fingerprint authentication instead of the PIN when using an electronic certificate, PIN input is also unnecessary. This makes it possible to easily perform identity verification processing using face authentication or fingerprint authentication without the need to read the MN card 200.

[0023] When communication between the consumer terminal 20 and the MN card 200 is established by performing a card touch operation, the consumer terminal 20 notifies the MN card 200 of the PIN, and requests the MN card 200 to notify the consumer terminal 20 of the electronic certificate 210. The MN card 200 determines whether the PIN notified from the consumer terminal 20 matches a preset PIN. If the notified PIN matches the preset PIN, the consumer terminal 20 performs a predetermined process with the MN card 200 to obtain the electronic certificate, and transmits predetermined information including the obtained electronic certificate to the authentication server 40.

[0024] The authentication server 40 determines whether the electronic certificate received from the resident terminal 20 is valid. If the electronic certificate is valid, the authentication server 40 transmits to the information management server 10 the result of the validity check indicating that the signature data is valid, and the four basic pieces of information about the resident (address, name, date of birth, and gender).

[0025] FIG. 2 is a functional block diagram showing the functions of the information management server 10. As shown in FIG. The information management server 10 includes a storage unit 101 , a communication unit 102 , and a control unit 103 .

[0026] The storage unit 101 stores various types of data. For example, the storage unit 101 stores shipping information including at least the address and contact information of the consumer terminal of the cardholder whose credit card is to be updated. FIG. 3 is a diagram showing an example of delivery destination information stored in storage unit 101. As shown in FIG. The shipping destination information includes the consumer's name, address, date of birth, address update flag, Web usage flag, cancellation processing flag, renewal card shipping flag, identity verification result flag, and the like. When the owner information stored in the owner information storage unit of the company / organization server 30 is received, the name, address, and date of birth of the resident are stored as the received owner information. For example, the storage unit 101 receives the owner information stored in the owner information storage unit of the company / organization server 30 by the communication unit 102 and stores it as shipping destination information. This cardholder list is stored in the storage unit 101 in response to various tasks being entrusted to the company operating the information management server 10 by the company or organization of the company / organization server 30, including confirmation of the cardholder's address when renewing a credit card and confirmation of the need for card renewal. Furthermore, the company or organization of the company / organization server 30 may own the information management server 10 and use / operate the information management server 10 without outsourcing it to another company or the like.

[0027] The address update flag is information indicating whether an update has been made to the address (currently registered address) included in the owner information received from the company / organization server 30. This address update flag indicates, in particular, whether an address obtained by JPKI authentication has been written to the currently registered address. Writing to the currently registered address may be by overwriting, or it may be retained as a separate item from the currently registered address without overwriting. The Web usage flag is information indicating whether or not the resident has expressed a wish to update via the Web the address (currently registered address) included in the owner information received from the company / organization server 30. When the Web usage flag indicates that the resident has expressed a wish to update via the Web, it indicates that the address in the memory unit 101 of the information management server 10 remains the currently registered address and has not been updated, but an intention to update the address in the owner information of the company / organization server 30 via the Web has been received from the resident terminal 20. The withdrawal processing flag is information indicating whether or not the consumer has expressed an intention not to renew the card. The renewal card delivery flag is information indicating whether or not a renewed card is to be delivered. The identity verification notification flag is information indicating whether or not a notification requesting identity verification has normally arrived at the resident terminal 20 . The identity verification result flag is information that indicates whether or not the identity of the person has been verified based on the identity verification result performed using the authentication server 40 .

[0028] The communication unit 102 communicates with the consumer terminal 20, the mobile carrier server 35, and the authentication server 40 via the network NWa. The communication unit 102 includes a first transmission unit 1021, a second transmission unit 1022, and a third transmission unit 1023. The first transmission unit 1021 transmits a request for identity verification to the consumer terminal based on the contact information of the consumer terminal included in the delivery destination information. If the result of the identity verification indicates that the resident is identified, the second transmission unit 1022 transmits to the resident terminal an inquiry as to whether or not the resident wishes to update his / her credit card. In addition, when the authentication processing result of the authentication unit 1032 indicates that the identity of the resident has been confirmed, the second transmission unit 1022 transmits an inquiry to the resident terminal as to whether or not the resident wishes to renew the credit card.

[0029] When the identity of the resident has been confirmed, the third transmission unit 1023 transmits the address of the shipping destination information corresponding to the resident stored in the storage unit 101 to the resident terminal. When the answer as to whether the address included in the shipping destination information sent from the consumer terminal 20 is correct indicates that the address included in the shipping destination information is incorrect, the fourth transmission unit 1024 transmits to the consumer terminal 20 the address included in the consumer information obtained in response to identity verification performed by the authentication server 40.

[0030] The control unit 103 controls each unit of the information management server 10 . For example, the control unit 103 includes an identity verification result acquisition unit 1031 , an authentication unit 1032 , and a shipping destination information management unit 1033 . The identity verification result acquisition unit 1031 acquires the result of identity verification of the consumer using the consumer terminal, which is transmitted from the authentication server 40 that performs public personal authentication. The identity verification result acquisition unit 1031 acquires resident information on a resident transmitted as a result of identity verification performed by the authentication server 40. The resident information is, for example, four basic pieces of information. The four basic pieces of information include address, name, date of birth, and gender. Such four basic pieces of information are transmitted from the authentication server 40 to the information management server 10 when public personal authentication is performed in the authentication server 40 and the result of the public personal authentication indicates that the identity of the resident has been confirmed.

[0031] The authentication unit 1032 performs authentication processing based on whether or not there is a correspondence between the items to be referenced in the resident information obtained from the authentication server 40 and the shipping destination information, thereby determining whether or not the resident is the actual person. The items to be referenced can be determined arbitrarily, and may be, for example, two items, name and date of birth, which are included in the resident information and the shipping destination information, respectively, or three items, name, date of birth, and address. Which items to use may be determined according to the wishes of the card company (the company that operates the company / organization server 30).

[0032] The shipping destination information management unit 1033 executes processing according to whether or not the address in the shipping destination information needs to be updated, based on the answer sent from the consumer terminal as to whether the address included in the shipping destination information is correct. For example, based on a response sent from the consumer terminal 20 as to whether the address included in the consumer information is correct, if the address included in the consumer information is correct, the shipping destination information management unit 1033 writes the address included in the consumer information as the address included in the shipping destination information. In addition, based on the answer sent from the consumer terminal 20 as to whether the address included in the consumer information is correct or not, the shipping destination information management unit 1033 notifies the company / organization server 30 that the address is different if the address included in the consumer information is incorrect. In addition, the shipping destination information management unit 1033 receives the changed address transmitted from the consumer terminal 20, and writes the changed address as an address included in the shipping destination information.

[0033] FIG. 4 is a schematic block diagram illustrating the functions of the consumer terminal 20. As shown in FIG. The resident terminal 20 has a memory unit 201 , a communication unit 202 , a display unit 203 , an input unit 204 , and a control unit 205 .

[0034] The storage unit 201 stores various types of information. For example, the storage unit 201 stores information received from the information management server 10.

[0035] The communication unit 202 communicates with the information management server 10, the mobile carrier server 35, and the authentication server 40 via the network NWa. The communication unit 202 includes a fifth transmission unit 2021, a sixth transmission unit 2022, a seventh transmission unit 2023, and an eighth transmission unit 2024. The fifth transmission unit 2021 communicates with an authentication server in response to a request for personal identification from the information management server 10, and transmits information required for official personal authentication to the authentication server. The sixth transmission unit 2022 displays on the display unit 203 the inquiry content regarding whether or not the consumer wishes to renew their credit card, which is sent from the information management server, and when the consumer inputs an answer regarding whether or not the credit card needs to be renewed, acquires this input content and transmits it to the information management server. When a response indicating whether the address included in the shipping destination information is correct is input, the seventh transmitting unit 2023 transmits the input response to the information management server. When a response indicating whether or not the address included in the resident information is correct is input, the eighth transmitting unit 2024 transmits the input response to the information management server 10.

[0036] The display unit 203 displays the delivery destination information transmitted from the information management server 10 . The input unit 204 is an input device such as a touch panel, buttons, etc., and receives inputs from the user according to the operation content.

[0037] The control unit 205 controls each unit of the consumer terminal 20 . In addition, the control unit 205 displays the address included in the resident information sent from the information management server 10 on the display unit 203, accepts input of changes to at least a portion of the displayed address, and sends the changed address to the information management server 10.

[0038] Fig. 5 is a diagram explaining the flow of information regarding card renewal processing between the information management server 10, the consumer terminal 20, and the company / organization server 30. Fig. 6 is a flowchart explaining the flow of processing between the information management server 10 and the company / organization server 30. Figs. 7, 8, and 9 are diagrams showing examples of display screens displayed on the consumer terminal 20. The company / organization server 30 transmits the shipping destination information (user list) to the information management server 10 (step S1 in FIG. 5, step S101 in FIG. 6). The information management server 10 receives the shipping destination information transmitted from the company / organization server 30 (FIG. 6, step S 201 ), and stores it in the storage unit 101 . The first transmission unit 1021 of the information management server 10 transmits an identity verification notification to the consumer terminal 20 based on the contact information of the consumer terminal 20 held by the card owner, which is included in the received shipping destination information (Step S2 in FIG. 5, Step S202 in FIG. 6). The identity verification notification is a notification for requesting the consumer to perform identity verification.

[0039] If the identity confirmation notification is normally transmitted, the information management server 10 transitions the process to step S203, and if the identity confirmation notification is not normally received (transmission error), the information management server 10 transitions the process to step S251. Here, if the telephone number of the consumer terminal 20 included in the delivery address information is a telephone number managed by the mobile carrier server 35, the identity confirmation notification is normally delivered, and if the telephone number of the consumer terminal 20 is a telephone number not managed by the mobile carrier server 35 (an incorrect telephone number, an unused telephone number), the transmission of the identity confirmation notification results in a transmission error.

[0040] If the identity confirmation notification has been received normally in step S202, the control unit 103 writes a result indicating that the identity confirmation notification has been performed normally into the identity confirmation notification flag of the delivery destination information (step S203). Then, the information management server 10 performs processing related to JPKI authentication and obtains the result of the JPKI authentication (Step S204 in FIG. 6). Here, in step S202, in response to the identity confirmation notification being transmitted from the first transmission unit 1021 of the information management server 10 to the resident terminal 20, the resident terminal 20 receives the identity confirmation notification, and the resident terminal 20 is asked to input operation details for performing JPKI authentication. As a result, information related to the authentication as described above is transmitted and received between the resident terminal 20 and the MN card 200. The fifth transmission unit 2021 of the resident terminal 20 transmits information required for performing identity confirmation by public personal authentication to the authentication server 40. The information required for authentication is, for example, an electronic certificate. Note that if the resident terminal 20 cannot normally read the MN card due to damage to the MN card or a malfunction of the reading function of the resident terminal 20, an error may be displayed on the resident terminal 20. The authentication server 40 performs authentication processing based on the information required for authentication received from the resident terminal 20, and if it is able to confirm that the person is the actual person, it transmits the basic four information to the information management server 10, and if it is unable to confirm that the person is the actual person, it transmits a result indicating that identity verification was not possible to at least one of the resident terminal 20 and the information management server 10. Here, the transmission of the basic four information from the authentication server 40 indicates that the authentication server 40 has confirmed that the resident is the actual holder of the MN card. Furthermore, when the consumer terminal 20 has normally transmitted to the authentication server 40 the information required for identity verification through public personal authentication, it notifies the information management server 10 that the identity verification process has progressed (Step S3 in FIG. 5).

[0041] The identity verification result acquisition unit 1031 of the information management server 10 acquires the result of identity verification performed on the resident using the resident terminal 20, which is sent from the authentication server 40, in response to reception by the communication unit 102. The control unit 103 of the information management server 10 determines whether the result of the JPKI authentication acquired by the identity verification result acquisition unit 1031 is OK (identity of the MN card holder has been confirmed to be the actual person) or NG (identity of the MN card holder has not been confirmed to be the actual person) (step S205 in Figure 6). If the result of the JPKI authentication is OK (if the basic four information is received), the control unit 103 performs a process to confirm whether the address can be updated and whether the card needs to be updated between the information management server 10 and the consumer terminal 20 (step S4 in Figure 5). Here, if the result of the JPKI authentication is authentication OK, the authentication unit 1032 performs authentication processing based on whether or not the items to be referenced in the resident information (basic four information) obtained from the authentication server 40 correspond to those in the shipping destination information. For example, the authentication unit 1032 performs authentication processing by determining whether or not the name and date of birth included in the basic four information match the name and date of birth included in the shipping destination information. Here, even if the date of birth is written in different ways in the resident information and the shipping destination information, such as in the Japanese calendar and the Western calendar, if it is the same year, it may be determined that they correspond to each other and match. Also, when an address is used as a reference item, even if the writing methods are different in the resident information and the shipping destination information, such as "X-chome X-banchi X-go" and "X-X-X", if it indicates the same address, it may be determined that they correspond to each other and match.

[0042] If the authentication unit 1032 finds that the basic four information and the items referenced in the shipping destination information correspond (match), the second transmission unit 1022 of the information management server 10 transmits an inquiry asking whether or not the user wishes to update the card, and the third transmission unit 1023 transmits the currently registered address to the resident terminal 20. This enables the information management server 10 to display the currently registered address on the resident terminal 20 (Step S206 in FIG. 6). Note that, here, a case where authentication processing is performed by the authentication unit 1032 will be described; however, if authentication processing is not performed by the authentication unit 1032 and the four basic pieces of information are obtained by the identity verification result acquisition unit 1031, the second transmission unit 1022 may transmit an inquiry to inquire as to whether or not the user wishes to update the card, and the third transmission unit 1023 may transmit the currently registered address to the resident terminal 20.

[0043] When the consumer terminal 20 receives the currently registered address and the inquiry about whether or not to update the card sent from the information management server 10, it displays the received contents on the display unit 203. Here, for example, as shown in Fig. 7, the currently registered address, a message inquiring about whether or not to update the card, and two selection buttons "Update" and "Do not update" are displayed. As a result, the currently registered address (the address of the resident currently stored in the memory unit 101) is displayed on the display unit 203 of the resident terminal 20. The resident checks the currently registered address displayed on the display unit 203 and confirms whether it matches his / her current address. As a result, if the currently registered address matches his / her current address, it can be confirmed that the currently registered address is registered as the latest address, and if the currently registered address does not match his / her current address, it can be confirmed that the address has already been changed, for example, due to moving. After confirming the currently registered address, the consumer inputs a response as to whether or not he / she wishes to renew the card from the input unit 204. If the consumer wishes to renew and continue using the credit card, the consumer touches the button corresponding to the option "Yes," and if the consumer wishes to cancel the membership without renewing the credit card, the consumer touches the button corresponding to the option "No." When the consumer inputs a response as to whether or not he / she wishes to renew the card, the sixth transmission unit 2022 of the consumer terminal 20 transmits the input response to the information management server 10.

[0044] When the control unit 103 of the information management server 10 receives the answer as to whether or not the card renewal is desired, it determines whether or not the answer indicates that the card renewal is desired (step S207 in FIG. 6), and if the answer indicates that the card renewal is desired, it proceeds to step S208, and if the answer indicates that the card renewal is not desired, it proceeds to step S212.

[0045] When the shipping destination information management unit 1033 receives a response indicating a desire to update the card, it transmits a question about whether or not to update the address to the consumer terminal 20. As a result, as shown in Fig. 8, the display unit 203 of the consumer terminal 20 displays the currently registered address, and displays the question "Is the currently registered address the latest address? If it is not the latest, the address needs to be updated. Do you want to update your address?" along with two options, "Update" and "Do not update." The consumer checks the description of the currently registered address, and if it matches his / her current address (i.e. the currently registered address is correct), it determines that the latest address has been registered and inputs "no update required" as a response from the input unit 204, and if the currently registered address does not match his / her current address (i.e. the currently registered address is incorrect), it determines that the latest address has not been registered and inputs "update required" as a response from the input unit 204. When a response indicating whether the address included in the shipping destination information is correct is input, the seventh transmission unit 2023 of the consumer terminal 20 transmits the input response to the information management server. Here, the currently registered address is displayed on the display unit 203 for the consumer to confirm, thereby making the consumer aware of whether or not the currently registered address needs to be updated. For example, even if the consumer forgets to update the address registered with the credit card company after moving, the consumer can be made aware of this before the renewal card is sent. Also, even if the consumer intended to update the address registered with the credit card company after moving, the currently registered address can be displayed on the display screen of the display unit 203 for the consumer to confirm, making the consumer aware of this before the renewal card is sent. This allows for the card to be sent to the new address after the address has been updated if the current address is the address before the move. This avoids the situation where an updated card is sent to the address before the move and then various procedures must be carried out to ensure that the card is sent correctly, reducing the workload.

[0046] When the delivery destination information management unit 1033 of the information management server 10 receives the response from the resident terminal 20, the delivery destination information management unit 1033 determines whether the content of the response indicates that the address is to be updated (Step S208 in FIG. 6). If the received response indicates that the address is not to be updated (i.e., the currently registered address is correct), the shipping destination information management unit 1033 sets the update card shipping flag for the cardholder to be updated to "valid" without updating the address, and writes this to the storage unit 101 (FIG. 6, step S251). As a result, the updated credit card is shipped to the currently registered address.

[0047] On the other hand, if the received response indicates that the address should be updated (i.e., the currently registered address is incorrect), the shipping destination information management unit 1033 transmits a question inquiring about the address update method and options indicating the address update method to the consumer terminal 20 via the communication unit 102. Here, the fourth transmission unit 1024 of the information management server 10 transmits the currently registered address and the address obtained by JPKI authentication to the consumer terminal 20. As a result, the display unit 203 of the consumer terminal 20 will display the currently registered address and the address obtained through JPKI authentication, as shown in Figure 9, along with the question "Would you like to use the address obtained through JPKI authentication to update your address, or would you like to complete the address change procedure online?" and the options "Use the JPKI-authenticated address" and "Complete the address change procedure online." The consumer checks the currently registered address description and the address obtained through JPKI authentication, and if the address obtained through JPKI authentication is correct, he / she selects the option "Use JPKI authenticated address" through input unit 204. If he / she wishes to make a change separately without using the address obtained through JPKI authentication (for example, the address obtained through JPKI authentication is incorrect), he / she selects the option "Perform address change procedure via the web" through input unit 204. When "Use JPKI authenticated address" is selected, the eighth transmitting unit 2024 sends this option to the information management server 10, thereby transmitting it as a response indicating that the address obtained by JPKI authentication is correct, and on the other hand, when "Perform address change procedure via the Web" is selected, the eighth transmitting unit 2024 sends this option to the information management server 10, thereby transmitting it as a response indicating that the address obtained by JPKI authentication is incorrect.

[0048] When the delivery destination information management unit 1033 of the information management server 10 receives the response from the consumer terminal 20, it determines which address update method has been selected (Step S209 in FIG. 6). When the selection result of the address update method is "use JPKI authenticated address" (when the address obtained by JPKI authentication is correct), the shipping destination information management unit 1033 updates the address by writing the address obtained by JPKI authentication (symbol ADD in FIG. 6) as the currently registered address in the storage unit 101 (step S210 in FIG. 6). This makes it possible to update the currently registered address based on the correct address obtained by performing public personal authentication. For example, it is possible to prevent an incorrect address from being registered due to an input error or the like when the resident inputs the updated address. It is also possible to save the resident the trouble of inputting the updated address. It is also possible to write the address obtained by JPKI authentication in the storage unit 101 without the resident making any changes. Furthermore, when the address is updated, the shipping destination information management unit 1033 writes an address update flag, which is included in the shipping destination information and indicates that the address has been updated, into the storage unit 101, thereby enabling the flag (Step S214 in FIG. 6). Furthermore, when the address is updated, the shipping destination information management unit 1033 transmits a message indicating that the address update has been completed to the consumer terminal 20 via the communication unit 102 (Step S211 in FIG. 6). As a result, the display unit 203 of the consumer terminal 20 displays the message "Address update has been completed."

[0049] On the other hand, when the selected address update method is "perform address change procedures via the Web" (when the address obtained by JPKI authentication is incorrect), the shipping destination information management unit 1033 writes a Web usage flag, which is included in the shipping destination information and indicates that there was a request to perform the address change procedures via the Web, into the storage unit 101, thereby enabling the flag (FIG. 6, step S213). As a result, when the shipping destination information is sent to the company / organization server 30 in a later process, the shipping destination information management unit 1033 can notify the company / organization server 30 that the address included in the basic 4 information is incorrect or that there was a request to use an address other than that included in the basic 4 information. Then, the shipping destination information management unit 1033 transitions the display screen of the consumer terminal 20 to a website where the consumer can carry out the procedure to update the address of the company / organization server 30 (step S102 in FIG. 6). This allows the consumer to carry out the address update procedure by following the guidance of the website provided by the company / organization server 30. For example, when accepting input of an address after moving from the input unit 204 of the consumer terminal 20, the currently registered address can be updated to the latest address by having the consumer enter the latest address. This website is, for example, a web page published on the company / organization server 30, and is a user-specific web page where the consumer can enter the ID and password registered in advance and edit the user registration information. In addition, the website guidance may display a guidance such as "After carrying out the address update procedure for your My Number card, please carry out the address update procedure for your credit card." In this case, identity verification can be performed through JPKI authentication, but since the address registered on MN card 200 is the address before the move, the resident must go through the procedure to update the address registered on MN card 200 and then go through the card renewal procedure again, and the address after the move will be displayed in step S206, so the address obtained through JPKI authentication (in this case, the address after the move) can be obtained as the four basic pieces of information, and this can be used to update the address as shipping information in step S210.

[0050] When the shipping destination information management unit 1033 receives a response indicating that the card is not desired to be renewed, it writes a withdrawal processing flag, which is included in the shipping destination information of the resident and indicates that withdrawal processing will be executed, into the shipping destination information in the storage unit 101, thereby activating the flag (step S212). This allows the resident to decide whether or not to renew the card, and for residents who do not use credit cards, it is possible to not send a renewal card according to the resident's request, eliminating the need to send a renewal card and reducing the workload associated with credit card renewal.

[0051] If the JPKI authentication result is NG, shipping destination information management unit 1033 moves the process to step S251, sets the renewal card delivery flag for the cardholder to be renewed to "valid" and writes it in storage unit 101 (FIG. 6, step S251).

[0052] On the other hand, if the identity confirmation notice is not received normally (delivery error) in step S202, the control unit 103 writes a result indicating that the identity confirmation notice is a delivery error into the identity confirmation notice flag in the delivery destination information in step S251, and activates the update card delivery flag indicating that the resident is the target of the update card delivery by writing it into the storage unit 101 (FIG. 6, step S251). Here, the resident's telephone number may be incorrect, but in this case, the resident is treated as the target to which the update card is to be sent. This allows the update card to be delivered in the same way as before. After the update card is delivered, if the address is correct, the update card can be delivered normally to the resident, and if the address is incorrect, an operator at the card company can take the necessary action.

[0053] The control unit 103 reads out the shipping destination information stored in the storage unit 101 from the storage unit 101, and transmits it to the company / organization server 30 by the communication unit 102 (step S5 in FIG. 5, step S261 in FIG. 6). The company / organization server 30 receives the shipping destination information sent from the information management server 10 (step S103 in FIG. 6). By referring to the received shipping destination information, the operator of the company / organization server 30 can consider whether to update the owner information stored in the owner information storage unit of the company. For example, if an address based on JPKI authentication is obtained as an address different from the currently registered address, the description of the address based on this JPKI authentication can be stored in the owner information storage unit as the currently registered address, or the description of the address based on JPKI authentication can be changed from "○-chome, ○-banchi, ○-go" to "○-○-○" and stored in the owner information storage unit as the currently registered address. In addition, the company / organization server 30 receives the shipping destination information including various flags. Therefore, the card company of the company / organization server 30 can know whether the currently registered address has been updated based on the address update flag. Also, if the address update flag indicates that the address has been updated, it can know that the address of the consumer included in the shipping destination information is an address obtained by JPKI authentication.

[0054] Also, based on the Web usage flag, it can be known that the consumer has requested to update their currently registered address via the Web. This makes it possible to check, via the website provided by the card company, whether or not the consumer has actually changed their address, and if there has been an address change, it can be confirmed that the address registered via the website has been reflected in the owner information. Also, when the Web usage flag indicates that the consumer has requested to update via the Web, it can be known that the address of the consumer included in the shipping destination information received from the information management server 10 is the currently registered address. The withdrawal processing flag is information indicating whether or not the consumer has expressed an intention not to renew the card. If the renewal card delivery flag indicates that the renewed card is to be delivered, the renewal card will be delivered, and if the renewal card delivery flag indicates that the renewed card is not to be delivered, the renewal card will not be delivered.

[0055] When the identity verification notification flag indicates a transmission error of the notification for requesting identity verification, it can be understood that the telephone number of the resident terminal 20 may be incorrect. Furthermore, if the identity verification result flag indicates that the identity of the resident has been confirmed, then a renewal card can be sent to the resident himself / herself. If the identity verification result flag indicates that the identity has not been confirmed, then the renewal card will first be sent to the currently registered address, and if it does not arrive, the operator of the company / organization server 30 can take the necessary action.

[0056] Second Embodiment Fig. 10 is a flowchart explaining the process flow of the information management server 10 and the company / organization server 30 in the second embodiment, and Fig. 11 is a diagram showing an example of a display screen displayed on the resident terminal 20. In the first embodiment, the address update method in step S209 is described as registering the address of the resident obtained by JPKI authentication as it is as the address of the shipping destination information, but the second embodiment is different in that the address update method does not register the address of the resident obtained by JPKI authentication as it is, but displays the address of the resident in a changeable state on the resident terminal 20 and allows the resident to edit it as necessary. Therefore, in the second embodiment, the description of the same configuration as in the first embodiment will be omitted, and the different configuration will be described.

[0057] In step S208, when the delivery destination information management unit 1033 of the information management server 10 receives the response from the resident terminal 20, it determines whether the content of the response indicates that the address should be updated. If the received response indicates that the address is not to be updated (that is, the currently registered address is correct), the shipping destination information management unit 1033 executes the same process as in the first embodiment. On the other hand, if the received response indicates that the address should be updated (i.e., the currently registered address is incorrect), the shipping destination information management unit 1033 transmits a question inquiring about a method for updating the address and options indicating the method for updating the address to the resident terminal 20 via the communication unit 102. Here, the fourth transmission unit 1024 of the information management server 10 transmits the currently registered address and the address obtained by JPKI authentication to the resident terminal 20. Here, the fourth transmission unit 1024 transmits display data so that a screen in an editable state is displayed for the address obtained by JPKI authentication. In other words, the fourth transmission unit 1024 transmits data for displaying a screen that is an input screen for inputting an address, and in which the address obtained by JPKI authentication is input as a candidate address in the address input field.

[0058] As a result, the display unit 203 of the consumer terminal 20 displays the currently registered address, as shown in Figure 11, and the address input field is displayed with the address obtained through JPKI authentication entered and in an editable state. The consumer checks the currently registered address description against the address obtained through JPKI authentication, and if the address obtained through JPKI authentication is correct and no changes are required, the consumer inputs a selection for the option "Use this address" from input section 204 without changing the address already entered in the input field.

[0059] On the other hand, the resident checks the description of the currently registered address and the address obtained by JPKI authentication, and if the address obtained by JPKI authentication is incorrect, inputs from the input unit 204 to change at least a part of the address already entered in the input field. Here, the address obtained by JPKI authentication is displayed in the input field already entered as a candidate, so the resident only needs to edit the parts that need to be corrected. This reduces the burden of inputting an updated address. Then, when the address correction is finished, the resident presses the selection button for "Use this address." As a result, the address entered in the input field is transmitted from the resident terminal 20 to the information management server 10.

[0060] When the delivery destination information management unit 1033 of the information management server 10 receives the response from the consumer terminal 20, it determines which address update method has been selected (Step S209A in FIG. 10). When the address update method selection result is "Use this address" (when using an address based on an address obtained by JPKI authentication), the shipping destination information management unit 1033 updates the address by writing the address entered in the input field as the currently registered address to the memory unit 101 (Figure 6, step S210A).

[0061] According to the second embodiment described above, the address obtained by JPKI authentication is displayed on the consumer terminal 20 in a rewritable state and can be corrected as necessary, so that the address obtained by JPKI authentication can be used as input assistance. In this case, a flag may be provided to determine whether the address obtained by JPKI authentication was used as is or whether the user has edited it, and the flag may be updated depending on whether the address obtained by JPKI authentication was used as is or after editing it.

[0062] In the above-described embodiments, it may be determined in advance which of the process flows based on the first embodiment and the second embodiment is to be executed depending on the operations of the company.

[0063] According to the embodiment described above, a notification is sent to confirm the cardholder's current address or whether or not the card can be renewed before the credit card is renewed, thereby reducing the operation costs of the card company. Also, since consumers can be given the option of whether or not to renew their card, it may not be necessary to send renewed cards to consumers who use their cards infrequently, and it is not necessary to issue renewed cards, thereby reducing the card renewal costs. It is also possible to simplify the input of updated address information by performing JPKI authentication and utilizing the address obtained through JPKI authentication. In the above embodiment, the authentication server performs official personal authentication as an authentication method, but other authentication methods other than official personal authentication may be used. For example, other functions may be applied as long as official address information can be obtained, such as authentication using face information of an MN card, authentication using information stored in an IC chip of a driver's license, authentication using face information of a driver's license, etc. Also, although the case where contact with consumers is based on sending messages has been described, the processes after the notification of identity verification may be performed via a website.

[0064] In the above-described embodiments, the memory unit 101 and the memory unit 201 are configured by a storage medium, such as a hard disk drive (HDD), a flash memory, an electrically erasable programmable read only memory (EEPROM), a random access read / write memory (RAM), a read only memory (ROM), or any combination of these storage media. The storage unit 101 and the storage unit 201 may be implemented using, for example, a non-volatile memory.

[0065] The communication unit 102, the control unit 103, the communication unit 202, and the control unit 205 may be configured by a processing unit such as a CPU (Central Processing Unit) or a dedicated electronic circuit.

[0066] The information management server 10 and the resident terminal 20 in the above-mentioned embodiment may be realized by a computer. In addition, the processing performed by the information management server 10 may be executed by different servers depending on the processing. For example, the function of sending a notification to the resident terminal 20 and the function of performing authentication may be executed by different servers. When these functions are realized by a computer, the program for realizing the functions may be recorded in a computer-readable recording medium, and the program recorded in the recording medium may be read into a computer system and executed. Note that the "computer system" here includes hardware such as an OS and peripheral devices. In addition, the "computer-readable recording medium" refers to portable media such as a flexible disk, an optical magnetic disk, a ROM, a CD-ROM, and a storage device such as a hard disk built into a computer system. Furthermore, the "computer-readable recording medium" may include a device that dynamically holds a program for a short period of time, such as a communication line when a program is transmitted via a network such as the Internet or a communication line such as a telephone line, and a device that holds a program for a certain period of time, such as a volatile memory inside a computer system that is a server or client in that case. Furthermore, the above program may be for realizing part of the functions described above, or may be capable of realizing the functions described above in combination with a program already recorded in a computer system, or may be realized using a programmable logic device such as an FPGA (Field Programmable Gate Array).

[0067] Although an embodiment of the present invention has been described in detail above with reference to the drawings, the specific configuration is not limited to this embodiment, and designs that do not deviate from the gist of the present invention are also included. [Explanation of symbols]

[0068] 10 Information Management Server 20 Consumer terminals 30 Corporate and Organization Servers 35 Mobile Carrier Server 40 Authentication Server 101 Storage section 102 Communications Department 103 Control section 200 Personal Card (MN Card) 201 Storage section 202 Communications Department 203 Display section 204 Input section 205 Control Unit 210 Electronic Certificate 1021 First Transmission Unit 1022 Second Transmission Unit 1023 Third Transmission Unit 1024 4th Transmission Unit 1031 Personal Identification Result Acquisition Department 1032 Authentication Department 1033 Shipping Information Management Department 2021 5th Transmission Division 2022 6th Transmission Division 2023 7th Transmission Division 2024 8th Transmission Division

Claims

1. An information management system including a consumer terminal and an information management server, The information management server includes: a storage unit that stores shipping destination information including at least the address of the cardholder whose credit card is to be updated and the contact information of the consumer terminal; a first transmission unit that transmits a request for identity verification to the consumer terminal based on a contact address of the consumer terminal included in the shipping destination information; an identity verification result acquisition unit that acquires a result of identity verification performed on the consumer using the consumer terminal, the result being transmitted from an authentication server that performs personal authentication; a second transmission unit that transmits an inquiry to the terminal of the consumer as to whether or not the consumer wishes to renew the credit card when the result of the identity verification indicates that the consumer is identified as the consumer; a third transmission unit that transmits, when the identity of the person is confirmed, an address of the shipping destination information corresponding to the person stored in the storage unit to the person terminal; a fourth transmission unit that, when the address included in the shipping destination information is incorrect based on a response as to whether or not the address included in the shipping destination information transmitted from the consumer terminal is correct, transmits to the consumer terminal an address included in consumer information obtained in response to identity verification performed by the authentication server; a shipping destination information management unit that receives a revised address that is a correction to the address included in the consumer information transmitted from the consumer terminal, and writes the revised address as an address included in the shipping destination information; The consumer terminal includes: a fifth transmission unit that communicates with the authentication server in response to the request for personal identification and transmits information required for personal authentication to the authentication server; a sixth transmission unit that displays the inquiry about whether or not the consumer wishes to renew the credit card, which is sent from the information management server, on a display unit, and when the consumer inputs an answer about whether or not the credit card needs to be renewed, transmits the input answer to the information management server; a display unit that displays the address of the shipping destination information transmitted from the information management server; a seventh transmission unit that, when a response indicating whether the address included in the shipping destination information is correct or not is input, transmits the input response to the information management server; a control unit that causes the display unit to display an address included in the resident information transmitted from the information management server, accepts input of a change to at least a part of the displayed address, and transmits the changed address to the information management server; have Information management system.

2. the identity verification result acquisition unit acquires resident information regarding the resident as a result of the identity verification; The information management system includes: an authentication unit that performs authentication processing based on whether or not items to be referenced in the consumer information and the shipping destination information correspond to each other to determine whether or not the consumer is a real person; The second transmission unit transmits, when the identity of the resident is confirmed based on the authentication process result of the authentication unit, an inquiry as to whether or not the resident wishes to update the credit card to the terminal of the resident. The information management system according to claim 1 .

3. An information management method in an information management system including a consumer terminal and an information management server, a first transmission unit of the information management server refers to a storage unit that stores shipping destination information including at least the address of the cardholder whose credit card is to be updated and the contact information of the consumer terminal, and transmits a request for identity verification to the consumer terminal based on the contact information of the consumer terminal included in the shipping destination information; a fifth transmission unit of the consumer terminal communicates with an authentication server in response to the request for personal identification and transmits information required for personal authentication to the authentication server; an identity verification result acquisition unit of the information management server acquires a result of identity verification performed on the consumer using the consumer terminal, the result being transmitted from an authentication server that performs personal authentication; a second transmission unit of the information management server, when the result of the identity verification indicates that the identity of the person has been verified, transmits to the terminal of the person an inquiry as to whether or not the person wishes to update the credit card; a sixth transmission unit of the consumer terminal displays on a display unit the inquiry content, transmitted from the information management server, as to whether or not the consumer wishes to renew the credit card, and when the consumer inputs an answer as to whether or not the credit card needs to be renewed, the sixth transmission unit of the consumer terminal transmits the input answer to the information management server; A third transmission unit of the information management server, When the identity of the person is confirmed, the address of the shipping destination information corresponding to the person stored in the storage unit is transmitted to the person terminal; a display unit of the consumer terminal displays an address of the shipping destination information transmitted from the information management server; a seventh transmission unit of the consumer terminal, when a response indicating whether or not the address included in the shipping destination information is correct is input, transmits the input response to the information management server; a fourth transmission unit of the information management server, based on a response as to whether or not the address included in the shipping destination information transmitted from the consumer terminal is correct, if the address included in the shipping destination information is incorrect, transmits to the consumer terminal an address included in the consumer information obtained in response to identity verification performed by the authentication server; a control unit of the resident terminal causes the display unit to display the address included in the resident information transmitted from the information management server, accepts input of a change to at least a part of the displayed address, and transmits the changed address to the information management server; A shipping destination information management unit of the information management server receives a revised address that is a correction to the address included in the consumer information transmitted from the consumer terminal, and writes the revised address as the address included in the shipping destination information. Information management method.

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