Information processing method, program, and information processing apparatus

Abstract

To provide an information processing method which can facilitate identification when making a contract.SOLUTION: The information processing method related to one embodiment of the present disclosure includes recognizing authentication voice inputted by a contractor and determining whether a contract is successfully made or not on the basis of the recognized authentication voice. In addition, the information processing method related to one embodiment of the present disclosure includes determining whether registered voice information about registered voice preliminarily registered by the contractor and authentication voice information about the authentication voice coincide with each other or not and determining whether the contract is successfully made or not on the basis of whether the registered voice information and the authentication voice information coincide with each other or not.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present technology relates to an information processing method, a program, and an information processing device. [Background technology]

[0002] Conventionally, systems have been proposed that use electronic signatures to conclude contracts. For example, the system described in Patent Document 1 uses electronic signatures to conclude a lease contract between a lessor, including a leasing company, and a lessee, including a user of a leased property, without the need for a signature or seal on a document. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2002-318977 A Summary of the Invention [Problem to be solved by the invention]

[0004] Electronic signatures require a great deal of effort to ensure the identity of the person signing a contract, and it is not easy to verify the identity of the person.

[0005] The present disclosure has been made in consideration of the above circumstances, and aims to provide an information processing method and the like that enables easy identity verification when making a contract. [Means for solving the problem]

[0006] An information processing method according to an embodiment of the present disclosure recognizes an authentication voice input by a contractor, and determines whether a contract has been concluded based on the recognized authentication voice.

[0007] A program according to an embodiment of the present disclosure recognizes an authentication voice input by a subscriber, The success or failure of the contract is determined based on the recognized authentication voice.

[0008] An information processing device according to an embodiment of the present disclosure includes a control unit that recognizes an authentication voice input by a contractor and determines whether the contract has been concluded based on the recognized authentication voice. Effect of the Invention

[0009] In the information processing method according to an embodiment of the present disclosure, identity verification can be easily performed when making a contract. [Brief description of the drawings]

[0010] [Figure 1] 1 is a schematic diagram showing a configuration example of an information processing system S. [Diagram 2] 1 is a block diagram showing an example of the configuration of an information processing device 1. FIG. [Diagram 3] 2 is a block diagram showing an example of the configuration of a provider terminal 2. FIG. [Figure 4] 2 is a block diagram showing an example of the configuration of a customer terminal 3. FIG. [Diagram 5] FIG. 2 is an explanatory diagram showing an example of a contractor information table 121. [Figure 6] FIG. 2 is an explanatory diagram showing an example of a contract document table 122. [Figure 7] 1 is an explanatory diagram showing an example of a subscriber information input screen on a subscriber terminal 3. FIG. [Figure 8] 11 is an explanatory diagram showing an example of a voice input screen in a customer terminal 3. FIG. [Figure 9] 1 is an explanatory diagram showing an example of a contract document creation screen on a contractor terminal 2. FIG. [Figure 10] 1 is an explanatory diagram showing a contract document display screen on a contractor terminal 3. FIG. [Figure 11] 13 is an explanatory diagram showing a voice authentication screen on a subscriber terminal 3. FIG. [Figure 12] FIG. 13 is an explanatory diagram showing the contract document after the contract is concluded. [Figure 13] 13 is a flowchart showing an example of a contractor information input process. [Figure 14] 13 is a flowchart showing an example of a contractor information registration process. [Figure 15]13 is a flowchart showing an example of a contract process. [Figure 16] 13 is a flowchart showing an example of a contract process. [Figure 17] 1 is a schematic diagram showing a configuration example of an information processing system S according to a second embodiment. [Figure 18] 1 is a block diagram showing an example of the configuration of an information processing device 1 according to a second embodiment. [Figure 19] 3 is a block diagram showing an example of the configuration of a parent terminal 4. FIG. [Figure 20] FIG. 2 is an explanatory diagram showing an example of a guardian information table 123. [Figure 21] FIG. 11 is an explanatory diagram showing an example of a contract document table 122 according to the second embodiment. [Figure 22] FIG. 13 is an explanatory diagram showing an example of a parental information input screen. [Figure 23] 11 is an explanatory diagram showing an example of a voice input screen in the parent terminal 4. FIG. [Figure 24] 13 is an explanatory diagram showing a contract document confirmation screen on a guardian terminal 4. FIG. [Diagram 25] 13 is an explanatory diagram showing a voice authentication screen on a parent terminal 4. FIG. [Figure 26] FIG. 11 is an explanatory diagram showing a contract document after a contract is concluded according to the second embodiment. [Figure 27] 13 is a flowchart showing an example of a parental information input process. [Figure 28] 13 is a flowchart showing an example of a guardian information registration process. [Figure 29] 13 is a flowchart showing an example of a contract process according to the second embodiment. [Diagram 30] 13 is a flowchart showing an example of a contract process according to the second embodiment. [Diagram 31] FIG. 11 is a block diagram showing an example of the configuration of an information processing device 1 according to a third embodiment. [Diagram 32] FIG. 11 is a block diagram showing an example of the configuration of a customer terminal 3 according to a third embodiment. [Diagram 33] FIG. 2 is an explanatory diagram showing an example of a guidance voice table 124. [Diagram 34] 13 is a flowchart showing an example of a contractor information input process according to the third embodiment. [Diagram 35] 11 is a schematic diagram showing a configuration example of an information processing system S according to a fourth embodiment. FIG. [Diagram 36] FIG. 11 is a block diagram showing an example of the configuration of an information processing device 1 according to a fourth embodiment. [Figure 37] FIG. 2 is an explanatory diagram showing an example of a vehicle contractor information table 125. [Figure 38] 10 is an explanatory diagram showing an example of a vehicle return guarantor information table 126. FIG. [Figure 39] FIG. 13 is an explanatory diagram showing an example of a joint vehicle return guarantor information table 127. [Diagram 40] FIG. 13 is an explanatory diagram showing an example of a vehicle contractor information input screen. [Diagram 41] FIG. 13 is an explanatory diagram showing a contract document display screen on a contractor terminal 3 according to a fourth embodiment. [Diagram 42] 13 is a flowchart showing an example of a contract process according to the fourth embodiment. [Diagram 43] 13 is a flowchart showing an example of a contract process according to the fourth embodiment. [Diagram 44] FIG. 11 is an explanatory diagram illustrating an example of a payment information table. [Diagram 45] 13 is a flowchart illustrating an example of a payment management process. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] (Embodiment 1) FIG. 1 is a schematic diagram showing a configuration example of an information processing system S. The information processing system S includes an information processing device 1, a contractor terminal 2, and a contractor terminal 3. The information processing device 1 is, for example, a server computer. The information processing device 1 acquires a contract document (electronic document) created in the contractor terminal 2, and transmits the acquired contract document to the contractor terminal 3. The information processing device 1 acquires the contractor's voice from the contractor terminal 3, performs voice authentication, and determines whether the voiceprint of the acquired voice matches the voiceprint of the contractor's voice stored in advance. If the voiceprints match, the information processing device 1 determines that the voice authentication has been successful, and if the voiceprints do not match, determines that the voice authentication has failed. The information processing device 1 determines whether the contract related to the contract document is successful or not based on the success or failure of the voice authentication, stores the determination result, and transmits the determination result to the contractor terminal 2 and the contractor terminal.

[0012] FIG. 2 is a block diagram showing a configuration example of the information processing device 1. The information processing device 1 is, for example, a server computer, and includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 is configured with a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a GPU (Graphical Processing Unit), a quantum processor, or the like, and performs various control processing, arithmetic processing, and the like by reading and executing a program P (program product) and a database stored in advance in the storage unit 12. Note that a database server or the like may be provided outside the information processing device 1, and the control unit 11 may read the database from the database server or the like. The information processing device 1 may also be one whose functions are realized by a plurality of server devices or computers. The information processing device 1 may also correspond to a node on a blockchain. The information processing device 1 may also execute a part or all of the processing performed by the trader terminal 2 or the contractor terminal 3.

[0013] The storage unit 12 of the information processing device 1 is, for example, a volatile memory and a non-volatile memory. The storage unit 12 stores the program P, a contractor information table (database) 121, and a contract document table 122. The program P may be provided to the information processing device 1 using a computer-readable storage medium 12a. The storage medium 12a is, for example, a portable memory. Examples of the portable memory include a CD-ROM, a USB (Universal Serial Bus) memory, an SD card, a micro SD card, and a Compact Flash (registered trademark) memory. When the storage medium 12a is a portable memory, the processing element of the control unit 11 may read the program P from the storage medium 12a using a reading device (not shown). The read program P is written to the storage unit 12. Furthermore, the program P may be provided to the information processing device 1 by the communication unit 13 communicating with an external device. Details of the contractor information table 121 and the contract document table 122 will be described later.

[0014] The communication unit 13 is a communication module or a communication interface for communicating with the provider terminal 2 or the subscriber terminal 3 by wire or wirelessly, and is, for example, a wide-area wireless communication module such as LTE (registered trademark), 4G, or 5G. The control unit 11 communicates with the provider terminal 2 or the subscriber terminal 3 via the communication unit 13 through an external network N such as the Internet.

[0015] FIG. 3 is a block diagram showing a configuration example of the agent terminal 2. The agent terminal 2 is a terminal owned by an agent who concludes a contract with a contractor for, for example, the sale of goods or services, or the loan of money. The agent terminal 2 is, for example, a personal computer, a smartphone, a tablet terminal, wearable glasses, or a wearable computer. In this embodiment, an example in which the agent terminal 2 is a personal computer will be described. The agent terminal 2 includes an agent terminal control unit 21, a storage unit 22, a communication unit 23, a display unit 24, and an input unit 25. The agent terminal control unit 21 is configured by a CPU or an MPU, etc., and performs various control processes, arithmetic processes, etc. The functions of the agent terminal 2 may be realized by multiple devices. In addition, the agent terminal 2 may execute a part or all of the processes performed by the information processing device 1.

[0016] The storage unit 22 stores an application program (application program) Pa that accepts input for creating a contract document. The application program Pa is provided to the contractor terminal 2 using, for example, a storage medium 22a. The contractor terminal control unit 21 of the contractor terminal 2 may obtain the application program Pa using the Internet and store it in the storage unit 22.

[0017] The communication unit 23 is a communication module or a communication interface for wirelessly communicating with the information processing device 1. The vendor terminal control unit 21 communicates with the information processing device 1 through the communication unit 23 and an external network N.

[0018] The display unit 24 displays an input screen for creating a contract document and a contract result screen for displaying the success or failure of the contract. The display unit 24 is constituted by a display.

[0019] The input unit 25 receives input of information for creating a contract document. The input unit 25 is configured with a keyboard, a mouse, or the like.

[0020] FIG. 4 is a block diagram showing a configuration example of the contractor terminal 3. The contractor terminal 3 is, for example, a smartphone, a tablet terminal, wearable glasses, a wearable computer, or a personal computer. In this embodiment, an example in which the contractor terminal 3 is a smartphone will be described. The contractor terminal 3 includes a contractor terminal control unit 31, a storage unit 32, a communication unit 33, a display unit 34, an input unit 35, a photographing unit 36, a position information acquisition unit 37, and a voice input unit 38. The contractor terminal control unit 31 is configured by a CPU or an MPU, and performs various control processes, arithmetic processes, and the like. The functions of the contractor terminal 3 may be realized by multiple devices. The contractor terminal 3 may also execute part or all of the processes performed by the information processing device 1.

[0021] The storage unit 32 stores an application program (application program) Pb that accepts input of contractor information and input of information related to the contract. The application program Pb is provided to the contractor terminal 3 using, for example, a storage medium 32a. The contractor terminal control unit 31 of the contractor terminal 3 may obtain the application program Pb using the Internet and store it in the storage unit 32.

[0022] The communication unit 33 is a communication module or a communication interface for wirelessly communicating with the information processing device 1. The contractor terminal control unit 31 communicates with the information processing device 1 through the communication unit 33 and an external network N.

[0023] The display unit 34 displays a contractor information input screen for receiving input of contractor information related to the contractor, a contract document screen for displaying the contract document, and the like.

[0024] The input unit 35 accepts input of subscriber information, etc. In this embodiment, the subscriber terminal 3 is a smartphone, and the display unit 34 and the input unit 35 are integrally configured as a touch panel.

[0025] The photographing unit 36 ​​photographs the contractor's identification document. When the contractor terminal 3 is a smartphone, the photographing unit 36 ​​is a camera built into the smartphone.

[0026] The location information acquisition unit 37 is configured by, for example, a GPS module. The location information acquisition unit 37 acquires location information of the customer terminal 3 and outputs it to the customer terminal control unit 31.

[0027] The voice input unit 38 receives voice input from the contractor by collecting voice uttered by the contractor. When the contractor terminal 3 is a smartphone, the photographing unit 36 ​​is a microphone built into the smartphone.

[0028] 5 is an explanatory diagram showing an example of the contractor information table 121. The contractor information table stores (registers) information about the contractor that the contractor inputs to the contractor terminal 3. The management items (fields) of the contractor information table 121 include, for example, a contractor ID field, a name field, a date of birth field, a telephone number field, a terminal identification number field, a location information field, an identity verification document field, a name voice field, and a plurality of registered voice fields.

[0029] The contractor ID field stores an ID assigned to the contractor. The name field, the date of birth field, and the telephone number field store the name, date of birth, and telephone number of the contractor terminal 3 input by the contractor at the contractor terminal 3. The terminal identification number field stores the terminal identification number of the contractor terminal 3 transmitted by the contractor terminal 3 to the information processing device 1 together with the contractor information. The location information field stores an address based on the location information of the contractor terminal 3 when the contractor terminal 3 transmits the contractor information of the contractor to the information processing device 1. The personal identification document field stores an image of the personal identification document photographed by the contractor terminal 3, for example, in a file format. The name voice field stores, for example, in a file format, the voice of the contractor uttering his / her own name, which is voice-inputted at the contractor terminal 3. The registered voice field stores, for example, in a file format, the voice for verification uttered by the contractor. In this embodiment, the multiple registered voice fields include a field for storing the voice of each number from 0 to 9 and a field for storing the voice of each alphabet from A to Z. That is, the contractor information table 121 includes a registration voice (0) field to a registration voice (9) field, and a registration voice (A) field to a registration voice (Z) field. For example, the registration voice (0) field stores the voice of the contractor uttering "0," and the registration voice (A) field stores the voice of the contractor uttering "A."

[0030] 6 is an explanatory diagram showing an example of the contract document table 122. The management items of the contract document table 122 include a contract document ID field, a trader ID field, a contractor ID field, a contract document field, and a contract success / failure field.

[0031] The contract document ID field stores the ID assigned to the contract document. The vendor ID field stores the ID assigned to the vendor who owns the vendor terminal 2 that sent the contract document. The contractor ID field stores the contractor ID of the contractor specified in the contract document. The contract document field stores the contract document created on the vendor terminal 2 and acquired by the information processing apparatus 1 from the vendor terminal 2, for example, in the pdf file format. Note that, before voice authentication is executed or when voice authentication fails, the contract document acquired by the information processing apparatus 1 from the vendor terminal 2 is stored in the contract document field. When voice authentication is successful and the contract is established, the contract document stored in the contract document field is updated to a contract document stating that voice authentication was successful and the contract was established. The contract success / failure field stores the success or failure (established or not established) of the contract based on the success or failure of voice authentication. Note that when the information processing apparatus 1 has not acquired a voice file from the contractor terminal 3, that is, when voice authentication has not yet been executed, a null value (-) is stored in the contract success / failure field.

[0032] FIG. 7 is an explanatory diagram showing an example of a contractor information input screen on the contractor terminal 3. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display the contractor information input screen. The contractor information input screen includes a name input field, a date of birth input field, a telephone number input field, a location information consent field, and an identification document image input field. The name of the contractor, the date of birth of the contractor, and the telephone number of the contractor terminal 3 are input into the name input field, the date of birth input field, and the telephone number input field, respectively.

[0033] The location information consent field displays a checkbox for inputting consent to transmit the location information of the contractor terminal 3 to the information processing apparatus 1. When a check is input in the checkbox, the contractor terminal control unit 31 can transmit the location information of the contractor terminal 3 to the information processing apparatus 1 as having been consented to.

[0034] In the identification document image input field, a photographed image of an identification document such as a driver's license is input. The contractor terminal control unit 31 may accept the input of the identification document image by photographing the identification document with the photographing unit 36, or may accept the input of the identification document image by accepting a selection of the identification document image from an image folder of images photographed by the photographing unit 36 ​​and stored in the memory unit 32. In this embodiment, the contractor can photograph the identification document image by pressing a function button (photographing button) that instructs photographing. When contractor information of the contractor is input in all fields of the contractor information input screen, a function button (voice input button) for displaying a voice input screen (see FIG. 8) can be pressed.

[0035] 8 is an explanatory diagram showing an example of a voice input screen in the contractor terminal 3. When the voice input button is pressed on the contractor information input screen, the contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display the voice input screen. The voice input screen displays a message prompting the contractor to input voice, numbers 0 to 9, and alphabets A to Z. When the voice input screen is displayed, the contractor terminal control unit 31 causes the voice input unit 38 of the contractor terminal 3 to start collecting voice.

[0036] The contractor speaks numbers from 0 to 9 in order and inputs the voice into the voice input unit 38. The contractor terminal control unit 31 recognizes the voice of each number spoken by the contractor from the voice input into the voice input unit 38, for example, by pattern matching, and inputs a check in the column indicating the recognized number. After all the numbers are recognized from the contractor's voice and checks are input in all the columns indicating the numbers, the contractor speaks numbers from A to Z in order and inputs the voice into the voice input unit 38. The contractor terminal control unit 31 recognizes the voice of each alphabet spoken by the contractor from the voice input into the voice input unit 38, and inputs a check in the column indicating the recognized alphabet. In addition, the voice input screen displays a message prompting the contractor to input his / her name by voice and a name column. The contractor speaks his / her name and inputs the voice into the voice input unit 38. When checks are entered into all columns showing the alphabet and the contractor's name is entered by voice, a check is entered into the name column and a function button (send button) that sends the contractor's contractor information and the contractor's voice to the information processing device 1 becomes pressable.

[0037] When the send button is pressed, the contractor terminal control unit 31 transmits the contractor information of the contractor that was input and the contractor's voice to the information processing device 1. The contractor's voice is transmitted to the information processing device 1 for each voice file that includes the voice of each number or each alphabet and the contractor's name.

[0038] 9 is an explanatory diagram showing an example of a contract document creation screen in the contractor terminal 2. The contract document format is displayed on the contract document creation screen. The contract document includes, for example, a contractor name field, a contractor ID field, a contractor ID field, a contractor name field, a contract title field, an amount field, and a payment method field.

[0039] The contractor terminal control unit 21 of the contractor terminal 2 causes the display unit 24 to display the contract document and the input unit 25 to accept inputs into each field of the contract document. The contractor name field is input with the contractor's name. The contractor ID field is input with the contractor ID of the contractor. The contractor ID field is input with the contractor ID of the contractor. The contractor name field is input with the name of the contractor. The contract title field is input with the item of goods or services purchased by the contractor, or the type of financing, etc. The amount field is input with the amount related to the contract, such as the price of goods or services purchased by the contractor, or the amount of financing, and the payment method field is input with the payment method (lump sum or number of payments) or the repayment method of the financing (number of repayments, interest rate, repayment period, etc.). The contract document is created by inputting information into each field.

[0040] The contract document creation screen displays a function button (send button) for sending the created contract document to the information processing device 1. When information is entered into each field included in the contract document, the send button becomes pressable. When the send button is pressed, the contractor terminal control unit 21 sends the created contract document to the information processing device 1.

[0041] FIG. 10 is an explanatory diagram showing the contract document display screen on the contractor terminal 3. The information processing device 1, which has acquired the contract document from the contractor terminal 2, transmits the acquired contract document to the contractor terminal 3. The information processing device 1 assigns a contract document ID to the contract document acquired from the contractor terminal 2, and writes the assigned contract document ID on the contract document. The contractor terminal control unit 31 of the contractor terminal 3 which has acquired the contract document displays the acquired contract document on the display unit 34. The contract document and a function button for starting voice authentication (voice authentication start button) are displayed on the contract document display screen. When the voice authentication start button is pressed, the contractor terminal control unit 31 transmits to the information processing device 1 a message that voice authentication has started.

[0042] FIG. 11 is an explanatory diagram showing a voice authentication screen on the contractor terminal 3. The control unit 11 of the information processing device 1, which has received from the contractor terminal 3 a notice that voice authentication has started, randomly selects four characters from the numbers 0 to 9 and the letters A to Z to generate a password. The password may be three characters or less, or five characters or more. The control unit 11 transmits the generated password to the contractor terminal 3. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display the password received from the information processing device 1.

[0043] The voice authentication screen displays a message urging the contractor to speak the displayed password. The contractor speaks the characters of the password displayed on the voice authentication screen, for example, starting from the characters displayed on the left side, and inputs the voice into the voice input unit 38. The contractor terminal control unit 31 recognizes the voice of each character spoken by the contractor from the voice input into the voice input unit 38, for example, by pattern matching, and inputs a check in the box for the recognized character.

[0044] The voice authentication screen also displays a message prompting the user to input the name of the contractor by voice. After completing the voice input of all characters of the password, the contractor speaks his / her name and inputs the voice into the voice input unit 38. When the voice input of all characters of the password and the contractor's name is completed, a function button for executing voice authentication (voice authentication execution button) becomes pressable. When the voice authentication execution button is pressed, the contractor terminal control unit 31 of the contractor terminal 3 transmits to the information processing device 1 a voice file of each character of the password that has been voice input, and a voice file of the contractor's name that has been voice input. The voice files of each character of the password that has been voice input, and a voice file of the contractor's name that has been voice input are transmitted to the information processing device 1 as voice files including the authentication voice. The contractor terminal control unit 31 also transmits to the information processing device 1 the terminal identification number of the contractor terminal 3 together with the voice file.

[0045] When the control unit 11 of the information processing device 1 acquires each voice file from the contractor terminal 3, it judges whether or not the voiceprint of the voice of each character of the acquired password (authentication voice information) matches with the voiceprint of the voice (registered voice information) preregistered in the registered voice field of each character of the contractor in the contractor information table 121. The control unit 11 also judges whether or not the voiceprint of the acquired name matches with the voiceprint of the voice prestored in the contractor's name voice field in the contractor information table 121. For example, the control unit 11 calculates the similarity of the spectrogram between the voice stored in the contractor information table 121 and the voice acquired from the contractor terminal 3 by PLDA (Probabilistic Linear Discriminant Analysis), and judges that the voiceprints match if the calculated similarity is equal to or greater than a predetermined value.

[0046] FIG. 12 is an explanatory diagram showing the contract document after the contract is concluded. When the control unit 11 of the information processing device 1 determines that the terminal identification number acquired from the contractor terminal 3 matches the terminal identification number stored in the contractor information table 121, and the voiceprint of the voice of each character of the password and the voiceprint of the name acquired from the contractor terminal 3 match the voiceprint of the voice stored in the contractor information table 121, the control unit 11 determines that the contract related to the contract document transmitted to the contractor terminal 3 has been concluded. When the contract is concluded, the contract document describes the date on which the information processing device 1 acquired the voice file from the contractor terminal 3 (the date on which the voice authentication was performed) and the fact that the contract has been concluded. The information processing device 1 updates the file of the contract document stored in the contract document field of the contract document table to a file of the contract document (contract document after the contract is concluded) describing the date on which the voice authentication was performed and the fact that the contract has been concluded. The contract document after the contract is concluded is transmitted to the contractor terminal 2 or the contractor terminal 3 in response to a request from the contractor terminal 2 or the contractor terminal 3, for example. The contractor terminal 2 or the contractor terminal 3 that has acquired the contract document after the contract has been concluded displays the contract document after the contract has been concluded on the display unit 24 or the display unit 34. The contract document after the contract has been concluded may include a URL indicating an audio file of the voice of the name acquired by the control unit 11 of the information processing device 1 from the contractor terminal 3.

[0047] FIG. 13 is a flowchart showing an example of a contractor information input process. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display a contractor information input screen (S1). The contractor terminal control unit 31 causes the input unit 35 to accept input of contractor information including the contractor's name, date of birth, and telephone number (S2). The contractor terminal control unit 31 causes the input unit 35 to accept input of consent to transmitting the location information of the contractor terminal 3 to the information processing device 1 (S3). The contractor terminal control unit 31 acquires the location information of the contractor terminal 3 from the location information acquisition unit 37 (S4). The contractor terminal control unit 31 causes the photographing unit 36 ​​to photograph an image of the personal identification document (S5). The contractor terminal control unit 31 causes the display unit 34 to display a voice input screen (S6). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of numbers and alphabets by the contractor (S7). The contractor terminal control unit 31 also causes the voice input unit 38 to accept voice input of the contractor's name (S8). The contractor terminal control unit 31 transmits the contractor's name, date of birth, telephone number, terminal identification number of the contractor terminal 3, location information of the contractor terminal 3, an image of the personal identification document, each file of voice of numbers and letters, and a voice file of the contractor's name to the information processing device 1 (S9), and ends the process.

[0048] FIG. 14 is a flowchart showing an example of a contractor information registration process. The control unit 11 of the information processing device 1 acquires contractor information from the contractor terminal 3 (S11). The control unit 11 reads the contractor's address written on the contractor's identity document from an image of the identity document, for example, by an OCR (Optical Character Reader) (S12). The control unit 11 determines whether the read address (written address) matches an address based on location information acquired from the contractor terminal 3 (location information address) (S13). If the written address matches the location information address (S13: YES), the control unit 11 stores the acquired contractor information in the contractor information table 121 (S14) and ends the process. If the written address does not match the location information address (S13: NO), the control unit 11 transmits information to the contractor terminal 3 requesting re-entry of contractor information (S15) and ends the process.

[0049] 15 and 16 are flow charts showing an example of contract processing. The contractor terminal control unit of the contractor terminal 2 causes the display unit 24 to display a contract document creation screen (S21). The contractor terminal control unit 21 causes the input unit to accept inputs into each field of the contract document, including the contractor name field, contractor ID field, contractor name field, contractor ID field, contract title field, amount field, and payment method field (S22). The contractor terminal control unit 21 transmits the contract document to the information processing device 1 (S23).

[0050] The control unit 11 of the information processing device 1 acquires the contract document from the contractor terminal 2 (S24). The control unit 11 extracts the contractor ID and the contractor ID from the acquired contract document (S25), and stores the extracted contractor ID and contractor ID, as well as the contract document file, in the contract document table 122 (S26). The control unit 11 transmits (outputs) the contract document to the contractor terminal 3 (S27).

[0051] The contractor terminal control unit 31 of the contractor terminal 3 acquires the contract document from the information processing device 1 (S28). The contractor terminal control unit 31 causes the display unit 24 to display the contract document display screen (S29). The contractor terminal control unit 31 causes the display unit 24 to accept input of pressing a voice authentication start button (S30). The contractor terminal control unit 31 transmits information indicating that voice authentication has started to the information processing device 1 (S31).

[0052] The control unit 11 of the information processing device 1 acquires information indicating that voice authentication has started from the customer terminal 3 (S32). The control unit 11 randomly selects four characters from the numbers 0 to 9 and the alphabets A to Z to generate a password (S33). The control unit 11 transmits the generated password to the customer terminal 3 (S34).

[0053] The contractor terminal control unit 31 of the contractor terminal 3 acquires a password from the information processing device 1 (S35). The contractor terminal control unit 31 causes the display unit 34 to display a voice authentication screen on which the acquired password is displayed (S36). The contractor terminal control unit 31 causes the voice input unit 38 to accept input of the voice of the characters included in the password and the name by the contractor (S37). The contractor terminal control unit 31 transmits the terminal identification number and an audio file of the input voice to the information processing device 1 (S38).

[0054] The control unit 11 of the information processing device 1 acquires the terminal identification number and the voice file from the contractor terminal 3 (S39). The control unit 11 judges whether the acquired terminal identification number matches the terminal identification number previously stored in the terminal identification number field in the contractor information table 121 (S40). The control unit 11 judges whether the voiceprint of the voice of each character of the acquired password matches the voiceprint of the voice previously stored in the registered voice field of each character of the contractor in the contractor information table 121 (S41). The control unit 11 stores the success or failure of the contract (established or not established) based on the judgment results (match or mismatch) in S40 and S41 in the contract success or failure field of the contract document table 122 (S42). The control unit 11 also updates the file of the contract document stored in the contract document field of the contract document table 122 (S43). If the voiceprints match and the voice authentication is successful in S41, the contract document stored in the contract document field of the contract document table 122 is updated to a contract document stating that the voice authentication was successful and the contract has been established. If the voiceprints do not match and the voice authentication is unsuccessful in S41, the contract document stored in the contract document field of the contract document table 122 is not updated in S43. The control unit 11 notifies (transmits) the success or failure of the contract to the business operator terminal 2 and the contractor terminal 3 (S44), and ends the process. If the contract has been established, the control unit 11 notifies the business operator terminal 2 and the contractor terminal 3 in S44 by transmitting a contract document stating that the voice authentication was successful and the contract has been established. If the contract has not been established, the control unit 11 notifies the business operator terminal 2 and the contractor terminal 3 in S44 by transmitting information that the voice authentication has failed.

[0055] The agent terminal control unit 21 of the agent terminal 2 receives a notification of the success or failure of the contract from the information processing device 1 (S45), and causes the display unit 24 to display the received notification of the success or failure of the contract (S46), thereby terminating the process.

[0056] The contractor terminal control unit 31 of the contractor terminal 3 receives a notification of the success or failure of the contract from the information processing device 1 (S47), and causes the display unit 34 to display the received notification of the success or failure of the contract (S48), thereby terminating the process.

[0057] According to the above configuration and processing, the contractor can conclude a contract by inputting voice into the contractor terminal 3. Since voice authentication is performed to determine whether the voiceprint of the input voice matches a voiceprint registered in advance, the contractor's identity can be easily verified when concluding a contract.

[0058] (Embodiment 2) After transmitting the contract document to the contractor terminal 3, when the information processing device 1 according to the second embodiment acquires from the contractor terminal 3 a voice of the password and the contractor's name, i.e., when voice authentication has been performed by the contractor, it notifies the guardian terminal held by the guardian of the contractor (protected person) that voice authentication has been performed by the contractor, and acquires information (permission information) from the guardian terminal as to whether or not to permit the establishment of the contract. When the voice authentication is successful and information permitting the establishment of the contract is acquired from the guardian terminal, the information processing device 1 determines that the contract has been established.

[0059] FIG. 17 is a schematic diagram showing a configuration example of an information processing system S according to the second embodiment. The information processing system S according to the second embodiment includes a guardian terminal 4. The guardian terminal 4 is a terminal owned by the guardian of the contractor who owns the contractor terminal 3. For example, if the contractor is a minor, the contractor's parental authority is the guardian and owns the guardian terminal 4. If the contractor is an adult ward, the adult guardian may be the guardian, and if the contractor is a ward, the guardian may be the guardian. The guardian terminal 4 obtains a contract document related to a contract that the contractor is about to establish by voice authentication. The guardian inputs whether or not to permit the establishment of the contract (permission or non-permission) into the guardian terminal 4, and the guardian terminal 4 transmits information (permission information) indicating the permission or non-permission of the establishment of the contract to the information processing device 1. The information processing device 1 determines whether or not the contract is successful based on the information obtained from the guardian terminal 4.

[0060] 18 is a block diagram showing an example of the configuration of the information processing device 1 according to embodiment 2. The storage unit 12 of the information processing device 1 according to embodiment 2 stores a guardian information table 123. The guardian information table 123 will be described in detail later.

[0061] FIG. 19 is a block diagram showing a configuration example of the parent terminal 4. The parent terminal 4 is, for example, a smartphone, a tablet terminal, wearable glasses, a wearable computer, or a personal computer. In this embodiment, an example in which the parent terminal 4 is a smartphone will be described. The parent terminal 4 includes a parent terminal control unit 41, a storage unit 42, a communication unit 43, a display unit 44, an input unit 45, a photographing unit 46, a position information acquisition unit 47, and a voice input unit 48. The parent terminal control unit 41 is configured with a CPU or an MPU, and performs various control processes, arithmetic processes, and the like. The functions of the parent terminal 4 may be realized by multiple devices. The parent terminal 4 may also execute a part or all of the processes performed by the information processing device 1.

[0062] The storage unit 42 stores information about the guardian and an application program (app program) Pc that accepts input of permission for the establishment of a contract. The app program Pc is provided to the guardian terminal 4 using, for example, a storage medium 42a. The guardian terminal control unit 41 of the guardian terminal 4 may obtain the app program Pc using the Internet and store it in the storage unit 42.

[0063] The display unit 44 displays a guardian information input screen for receiving input of guardian information related to the guardian, a contract screen for displaying a contract document, and the like.

[0064] The input unit 45 accepts input of information about the guardian, etc. In this embodiment, the guardian terminal 4 is a smartphone, and the display unit 44 and the input unit 45 are integrally configured as a touch panel.

[0065] The photographing unit 46 photographs the parent's identification document. When the parent terminal 4 is a smartphone, the photographing unit 46 is a camera built into the smartphone.

[0066] The location information acquisition unit 47 is configured by, for example, a GPS module. The location information acquisition unit 47 acquires location information of the parent terminal 4 and outputs it to the parent terminal control unit 41.

[0067] The voice input unit 48 receives voice input from the guardian by collecting the voice uttered by the guardian. When the guardian terminal 4 is a smartphone, the image capturing unit 46 is a microphone built into the smartphone.

[0068] 20 is an explanatory diagram showing an example of the guardian information table 123. The guardian information table stores information about the guardian that the guardian inputs on the guardian terminal 4. The management items (fields) of the guardian information table 123 include a guardian ID field, a contractor ID field, a name field, a date of birth field, a telephone number field, a terminal identification number field, a location information field, an identification document field, a name voice field, and a plurality of comparison voice fields.

[0069] The guardian ID field stores an ID assigned to the guardian. The contractor ID field stores the contractor ID of the contractor who is the guardian of the guardian, which is input by the guardian in the guardian terminal 4. The name field, the date of birth field, and the telephone number field store the name, date of birth, and telephone number of the guardian terminal 4, which are input by the guardian in the guardian terminal 4. The terminal identification number field stores the terminal identification number of the guardian terminal 4, which the guardian terminal 4 transmits to the information processing device 1 together with the guardian information. The location information field stores an address based on the location information of the guardian terminal 4 when the guardian terminal 4 transmits information about the guardian to the information processing device 1. The personal identification document field stores an image of the personal identification document photographed by the guardian terminal 4, for example, in a file format. The name voice field stores, for example, in a file format, the voice of the guardian uttering his / her own name, which is voice-input in the guardian terminal 4. The matching voice field stores, for example, in a file format, the voice for matching uttered by the guardian. In this embodiment, the plurality of matching voice fields include a field for storing the voices of the numbers 0 to 9, and a field for storing the voices of the letters A to Z.

[0070] FIG. 21 is an explanatory diagram showing an example of the contract document table 122 according to the second embodiment. The contract document table 122 according to the second embodiment includes a parental permission field. The parental permission field stores permission information inputted at the parental terminal 4. If the information processing device 1 does not acquire permission information from the parental terminal 4, a null value is stored in the parental permission field. If the voice authentication is successful and "permission" is stored in the parental permission field, "concluded" is stored in the contract success / failure field according to this embodiment.

[0071] FIG. 22 is an explanatory diagram showing an example of a guardian information input screen. The guardian terminal control unit 41 of the guardian terminal 4 causes the display unit 44 to display the guardian information input screen. The guardian information input screen includes a subscriber ID input field, a name input field, a date of birth input field, a telephone number input field, a location information consent field, and an identity verification document input field. The subscriber ID of the subscriber who will be the guardian's ward is input into the subscriber ID input field. The name input field, date of birth input field, and telephone number input field are input with the guardian's name, guardian's date of birth, and the telephone number of the guardian terminal 4.

[0072] The location information consent field displays a checkbox for inputting consent to transmitting the location information of the parent terminal 4 to the information processing device 1. When the checkbox is checked, the parent terminal control unit 41 assumes consent and becomes able to transmit the location information of the parent terminal 4 to the information processing device 1.

[0073] In the identification document image input field, a photographed image of an identification document such as a driver's license is input. The contractor terminal control unit 31 may accept the input of the identification document image by photographing the identification document with the photographing unit 36, or may accept the input of the identification document image by accepting a selection of the identification document image from an image folder of images photographed by the photographing unit 36 ​​and stored in the memory unit 32. In this embodiment, the contractor can photograph the identification document image by pressing a function button (photographing button) that instructs photographing. When contractor information of the contractor is input in all fields of the contractor information input screen, a function button (voice input button) for displaying a voice input screen (see FIG. 8) can be pressed.

[0074] 23 is an explanatory diagram showing an example of a voice input screen in the parent terminal 4. When the voice input button is pressed on the parent information input screen, the parent terminal control unit 41 of the parent terminal 4 causes the display unit 44 to display the voice input screen. The voice input screen displays a message prompting the parent to input voice, as well as numbers 0 to 9 and alphabets A to Z. When the voice input screen is displayed, the parent terminal control unit 41 causes the voice input unit 48 of the parent terminal 4 to start collecting voice.

[0075] The guardian speaks numbers from 0 to 9 in order and inputs the voice to the voice input unit 48. The guardian terminal control unit 41 recognizes the voice of each number spoken by the guardian from the voice input to the voice input unit 48, for example, by pattern matching, and inputs a check in the column indicating the recognized number. After all numbers are recognized from the guardian's voice and checks are input in all columns indicating numbers, the guardian speaks numbers from A to Z in order and inputs the voice to the voice input unit 48. The guardian terminal control unit 41 recognizes the voice of each alphabet spoken by the guardian from the voice input to the voice input unit 48, and inputs a check in the column indicating the recognized alphabet. In addition, the voice input screen displays a message prompting the voice input of the guardian's name. The guardian speaks his / her name and inputs the voice to the voice input unit 48. When checks are input in all columns indicating the alphabet and the guardian's name is input by voice, a function button (send button) for transmitting information about the guardian and the guardian's voice to the information processing device 1 becomes pressable.

[0076] FIG. 24 is an explanatory diagram showing the contract document confirmation screen on the guardian terminal 4. When the information processing device 1 acquires an audio file for voice authentication from the contractor terminal 3, it transmits the contract document to the guardian terminal 4 of the contractor's guardian. The guardian terminal control unit 41 of the guardian terminal 4 that acquired the contract document displays the acquired contract document on the display unit 44. The contract document and a function button for starting voice authentication (voice authentication start button) are displayed on the contract document confirmation screen. When the voice authentication start button is pressed, the contractor terminal control unit 31 transmits to the information processing device 1 a message that voice authentication has started.

[0077] FIG. 25 is an explanatory diagram showing a voice authentication screen on the parent terminal 4. Upon receiving from the parent terminal 4 a notice that voice authentication has started, the control unit 11 of the information processing device 1 randomly selects four characters from the numbers 0 to 9 and the letters A to Z to generate a password. The password may be three characters or less, or five characters or more. The control unit 11 transmits the generated password to the parent terminal 4. The parent terminal control unit 41 of the parent terminal 4 causes the display unit 44 to display the password received from the information processing device 1.

[0078] The voice authentication screen displays a message urging the guardian to say the displayed password. The guardian says the characters of the password displayed on the voice authentication screen, for example, starting from the characters displayed on the left side, and inputs the voice into the voice input unit 48. The guardian terminal control unit 41 recognizes the voice of each character spoken by the guardian from the voice input into the voice input unit 48, for example, by pattern matching, and inputs a check mark next to the recognized character.

[0079] The voice authentication screen also displays a message urging the user to input the name of the guardian by voice. After completing the voice input of all the characters of the password, the guardian speaks his / her name and inputs the voice into the voice input unit 48. When the voice input of all the characters of the password and the guardian's name is completed, a function button (not permit button) for transmitting to the information processing device 1 a message that the establishment of the contract is not permitted, or a function button (permit button) for transmitting to the information processing device 1 a message that the establishment of the contract is permitted, can be pressed. When the not permit button is pressed, the guardian terminal control unit 41 of the guardian terminal 4 transmits to the information processing device 1 a message that the guardian does not permit the establishment of the contract, together with a voice file of each character of the password that was voice input and a voice file of the name of the contractor that was voice input. When the permit button is pressed, the guardian terminal control unit 41 of the guardian terminal 4 transmits to the information processing device 1 a message that the guardian permits the establishment of the contract, together with a voice file of each character of the password that was voice input and a voice file of the name of the contractor that was voice input.

[0080] When the control unit 11 of the information processing device 1 acquires each voice file from the guardian terminal 4, it judges whether or not the voiceprint of the voice of each character of the acquired password matches the voiceprint of the voice pre-stored in the guardian's name voice field for comparison of each character in the guardian information table 123. The control unit 11 also judges whether or not the voiceprint of the voice of the acquired name matches the voiceprint of the voice pre-stored in the guardian's name voice field in the guardian information table 123. For example, the control unit 11 calculates the similarity of the spectrogram between the voice stored in the guardian information table 123 and the voice acquired from the guardian terminal 4 by PLDA, and judges that the voiceprints match if the calculated similarity is equal to or greater than a predetermined value.

[0081] If the voiceprints match, the control unit 11 of the information processing device 1 stores "not permitted" or "permitted" in the parental permission field of the contract document table 122. If the not permitted button is pressed on the parent terminal 4 and a message is received from the parent terminal 4 indicating that the parent does not permit the establishment of the contract, the control unit 11 stores "not permitted" in the parental permission field of the contract document table 122. If the permit button is pressed on the parent terminal 4 and a message is received from the parent terminal 4 indicating that the parent permits the establishment of the contract, the control unit 11 stores "permitted" in the parental permission field of the contract document table 122.

[0082] FIG. 26 is an explanatory diagram showing the contract document after the contract is concluded according to the second embodiment. When "permission" is stored in the guardian permission field of the contract document table 122, the control unit 11 of the information processing device 1 determines that the contract related to the contract document transmitted to the guardian terminal 4 has been concluded. When the contract is concluded, the contract document describes the date on which the information processing device 1 obtained the voice file from the contractor terminal 3 (the date on which the contractor's voice authentication was performed), the date on which the information processing device 1 obtained the voice file from the guardian terminal 4 (the date on which the guardian's voice authentication was performed), and the fact that the contract has been concluded. The information processing device 1 updates the file of the contract document stored in the contract document field of the contract document table to a file of the contract document (contract document after the contract is concluded) describing the date on which the contractor's voice authentication was performed, the date on which the guardian's voice authentication was performed, and the fact that the contract has been concluded. The contract document after the contract is concluded is transmitted to the contractor terminal 2, the contractor terminal 3, or the guardian terminal 4, for example, in response to a request from the contractor terminal 2, the contractor terminal 3, or the guardian terminal 4. The provider terminal 2, the customer terminal 3, or the guardian terminal 4, which has acquired the contract document after the contract has been concluded, displays the contract document after the contract has been concluded on the display unit 24, the display unit 34, or the display unit 44.

[0083] FIG. 27 is a flow chart showing an example of a guardian information input process. The guardian terminal control unit 41 of the guardian terminal 4 causes the display unit 44 to display a guardian information input screen (S51). The guardian terminal control unit 41 causes the input unit 45 to accept input of information about the guardian, including the contractor ID of the contractor who will be the guardian's ward, the guardian's name, date of birth, and telephone number (S52). The guardian terminal control unit 41 causes the input unit 45 to accept input of consent to transmitting the position information of the guardian terminal 4 to the information processing device 1 (S53). The guardian terminal control unit 41 acquires the position information of the guardian terminal 4 from the position information acquisition unit 47 (S54). The guardian terminal control unit 41 causes the photographing unit 46 to photograph an image of the personal identification document (S55). The guardian terminal control unit 41 causes the display unit 44 to display a voice input screen (S56). The guardian terminal control unit 41 causes the voice input unit 48 to accept voice input of numbers and alphabets by the guardian (S57). The parent terminal control unit 41 also causes the voice input unit 48 to accept voice input of the parent's name (S58). The parent terminal control unit 41 transmits the parent's name, date of birth, telephone number, location information of the parent terminal 4, an image of the identification document, audio files of numbers and letters, and an audio file of the name to the information processing device 1 (S59), and ends the process.

[0084] FIG. 28 is a flow chart showing an example of a guardian information registration process. The control unit 11 of the information processing device 1 acquires guardian information from the guardian terminal 4 (S61). The control unit 11 reads the address of the guardian written on the identification document from an image of the identification document, for example, by an OCR (Optical Character Reader) (S62). The control unit 11 judges whether the read address (written address) matches an address based on the location information acquired from the guardian terminal 4 (location information address) (S63). If the written address matches the location information address (S63: YES), the control unit 11 stores the acquired guardian information in the guardian information table 123 (S64) and ends the process. If the written address does not match the location information address (S63: NO), the control unit 11 transmits information to the guardian terminal 4 requesting re-entry of guardian information (S65) and ends the process.

[0085] Fig. 29 and Fig. 30 are flowcharts showing an example of a contract process according to embodiment 2. Fig. 29 describes the processes of the information processing device 1, the contractor terminal 3, and the guardian terminal 4 after the information processing device 1 acquires the contract document from the provider terminal 2 and stores the acquired contract document file in the contract document table 122. The control unit 11 of the information processing device 1 transmits the contract document to the information processing device (S71).

[0086] The contractor terminal control unit 31 of the contractor terminal 3 acquires the contract document from the information processing device 1 (S72). The contractor terminal control unit 31 causes the display unit 34 to display the contract document display screen (S73). The contractor terminal control unit 31 causes the display unit 34 to accept input of pressing a voice authentication start button (S74). The contractor terminal control unit 31 transmits information indicating that voice authentication has started to the information processing device 1 (S75).

[0087] The control unit 11 of the information processing device 1 acquires information indicating that voice authentication has started from the customer terminal 3 (S76). The control unit 11 randomly selects four characters from the numbers 0 to 9 and the alphabets A to Z to generate a password (S77). The control unit 11 transmits the generated password to the customer terminal 3 (S78).

[0088] The contractor terminal control unit 31 of the contractor terminal 3 acquires a password from the information processing device 1 (S79). The contractor terminal control unit 31 causes the display unit 34 to display a voice authentication screen on which the acquired password is displayed (S80). The contractor terminal control unit 31 causes the voice input unit 38 to accept input of the voice of the characters included in the password and the voice of the contractor's name (S81). The contractor terminal control unit 31 transmits the terminal identification number and an audio file of the input voice to the information processing device 1 (S82).

[0089] The control unit 11 of the information processing device 1 acquires the terminal identification number and the voice file from the contractor terminal 3 (S83). The control unit 11 judges whether the acquired terminal identification number matches the terminal identification number previously stored in the terminal identification number field in the contractor information table 121 (S84). The control unit 11 judges whether the voiceprint of the voice of each character of the acquired password matches the voiceprint of the voice previously stored in the verification voice field for each character of the contractor in the contractor information table 121 (S85). If the terminal identification number and the voiceprint match, the control unit 11 transmits the contract document to the guardian terminal 4 (S86). If the voiceprints do not match, the control unit 11 transmits information to the provider terminal 2 and the contractor terminal 3 that the voice authentication has failed.

[0090] The parent terminal control unit 41 of the parent terminal 4 acquires the contract document from the information processing device 1 (S87). The parent terminal control unit 41 causes the display unit 44 to display a contract document confirmation screen (S88). The parent terminal control unit 41 causes the display unit 44 to accept input of pressing a voice authentication start button (S89). The parent terminal control unit 41 transmits information indicating that voice authentication has started to the information processing device 1 (S90).

[0091] The control unit 11 of the information processing device 1 receives information indicating that voice authentication has started from the parent terminal 4 (S91). The control unit 11 randomly selects four characters from the numbers 0 to 9 and the alphabets A to Z to generate a password (S92). The control unit 11 transmits the generated password to the parent terminal 4 (S93).

[0092] The parent terminal control unit 41 of the parent terminal 4 acquires a password from the information processing device 1 (S94). The parent terminal control unit 41 causes the display unit 44 to display a voice authentication screen on which the acquired password is displayed (S95). The parent terminal control unit 41 causes the voice input unit 48 to accept input of the voice of the characters included in the password and the voice of the name by the parent (S96). The parent terminal control unit 41 causes the input unit 45 to accept input of pressing the allow button or the not allow button (input of permission information) (S97). The parent terminal control unit 41 transmits the terminal identification number, the permission information, and an audio file of the input voice to the information processing device 1 (S98).

[0093] The control unit 11 of the information processing device 1 acquires the terminal identification number, the permission information, and the audio file from the parent terminal 4 (S99). The control unit 11 judges whether the acquired terminal identification number matches the terminal identification number previously stored in the terminal identification number field in the parent information table 123 (S100). The control unit 11 judges whether the voiceprint of the voice of each character of the acquired password matches the voiceprint of the voice previously stored in the verification voice field of each character of the contractor in the parent information table 123 (S101). If the voiceprints match, the control unit 11 stores the parent's permission or non-permission (permission information) for the contract in the parent permission field of the contract document table 122 (S102). If the permission button is pressed in the parent terminal 4, "permission" is stored in the parent permission field of the contract document table 122 in S98. If the non-permission button is pressed in the parent terminal 4, "non-permission" is stored in the parent permission field of the contract document table 122 in S98. If the voiceprints do not match, the control unit 11 transmits information indicating that the voice authentication has failed to, for example, the provider terminal 2, the contractor terminal 3, and the guardian terminal 4. The control unit 11 stores the success or failure of the contract in the contract success or failure field of the contract document table 122 (S103). If "permission" is stored in the guardian permission field of the contract document table 122, "established" is stored in the contract success or failure field in S99. If "not permitted" is stored in the guardian permission field, "not established" is stored in the contract success or failure field. The control unit 11 also updates the file of the contract document stored in the contract document field of the contract document table 122 (S104). The control unit 11 notifies the contractor terminal 3 and the guardian terminal 4 of the success or failure of the contract (S105), and ends the process. If the contract has been established, the control unit 11 notifies the contractor terminal 3 and the guardian terminal 4 in S105 by transmitting a contract document indicating that the voice authentication has been successful and that the contract has been established to the contractor terminal 3 and the guardian terminal 4. If the contract is not concluded, in S105, the control unit 11 notifies the contractor terminal 3 and the guardian terminal 4 by transmitting information to that effect that the contract has not been concluded.

[0094] The contractor terminal control unit 31 of the contractor terminal 3 receives a notification of the success or failure of the contract from the information processing device 1 (S106), and causes the display unit 34 to display the received notification of the success or failure of the contract (S107), thereby completing the process.

[0095] The parent terminal control unit 41 of the parent terminal 4 receives a notification of the success or failure of the contract from the information processing device 1 (S108), and causes the display unit 24 to display the received notification of the success or failure of the contract (S109), thereby completing the process.

[0096] According to the above configuration and processing, when a contractor is a person with limited legal capacity such as a minor, the guardian can transmit information on whether or not to permit the contract that the contractor is trying to establish to the information processing device 1. This allows the business operator to easily confirm the guardian's consent to the contractor's contract, and the information processing device 1 can determine that the contract has been established only if the guardian's consent is present.

[0097] (Embodiment 3) The information processing device 1 according to the third embodiment stores a guidance voice (guidance voice) that prompts the contractor to input a contract voice. The information processing device 1 transmits the guidance voice to the contractor terminal 3. The contractor terminal 3 outputs the acquired guidance voice and prompts the contractor to input a contract voice. The contract voice according to the present embodiment includes a voice uttered by the contractor to input contractor information of the contractor to the contractor terminal.

[0098] 31 is a block diagram showing an example of the configuration of the information processing device 1 according to the embodiment 3. The storage unit 12 of the information processing device 1 according to the embodiment 3 stores a guidance voice table 124.

[0099] 32 is a block diagram showing a configuration example of the contractant terminal 3 according to the embodiment 3. The contractant terminal 3 according to the embodiment 3 includes an audio output unit 39. When the contractant terminal 3 is a smartphone, the audio output unit 39 is a speaker built into the smartphone.

[0100] FIG. 33 is an explanatory diagram showing an example of the guidance voice table 124. The guidance voice table 124 records the contents of the guidance voice that the contractor terminal 3 outputs to the contractor to encourage voice input. The management items (fields) of the guidance voice table 124 include an output order field and a guidance voice field. The output order field stores the order in which each guidance voice is output. The contractor terminal 3 outputs each guidance voice in accordance with the order stored in the output order field. The guidance voice field stores the contents of each guidance voice. The guidance voice according to this embodiment includes guidance voices prompting the user to input his / her name by voice (first), prompting the user to input his / her date of birth by voice (second), prompting the user to input his / her phone number by voice (third), prompting the user to input by voice an agreement to transmit the location information of the subscriber terminal 3 to the information processing device 1 (fourth), prompting the user to take a picture of his / her personal identification document (fifth), prompting the user to input the numbers 0 to 9 and the alphabets A to Z by voice (sixth), and prompting the user to confirm whether or not to transmit the subscriber information of the subscriber and the voice of the subscriber input by voice to the information processing device 1 (seventh). Note that the guidance voice table 124 may store even more guidance voices.

[0101] The control unit 11 of the information processing device 1 transmits the guidance voice table 124 to the contractor terminal 3 that displays the contractor information input screen. The contractor terminal control unit 31 of the contractor terminal 3 that has acquired the guidance voice table 124 stores the acquired guidance voice table 124 in the storage unit 32, and causes the voice output unit 39 to output a guidance voice that prompts the contractor to input contractor information based on the stored guidance voice table 124.

[0102] 34 is a flowchart showing an example of a contractor information input process according to the third embodiment. The contractor terminal control unit 31 of the contractor terminal 3 acquires the guidance voice table 124 from the information processing device 1 (S111). The contractor terminal control unit 31 stores the acquired guidance voice table 124 in the storage unit 32 (S112). The contractor terminal control unit 31 displays a contractor information input screen (see FIG. 7) on the display unit 34 (S113).

[0103] The contractor terminal control unit 31 causes the voice output unit 39 to output the first guidance voice stored in the guidance voice table 124 (S114). The contractor terminal control unit 31 causes the voice input unit 38 to accept the voice input of the contractor's name (S115). The contractor terminal control unit 31 causes the voice output unit 39 to output the second guidance voice stored in the guidance voice table 124 (S116). The contractor terminal control unit 31 causes the voice input unit 38 to accept the voice input of the contractor's date of birth (S117). The contractor terminal control unit 31 causes the voice output unit 39 to output the third guidance voice stored in the guidance voice table 124 (S118). The contractor terminal control unit 31 causes the voice input unit 38 to accept the voice input of the telephone number of the contractor terminal 3 (S119). The contractor terminal control unit 31 causes the voice output unit 39 to output the fourth guidance voice stored in the guidance voice table 124 (S120). The contractor terminal control unit 31 causes the voice input unit 38 to accept a voice input of consent to the transmission of the location information of the contractor terminal 3 to the information processing device 1 (S121). In addition, in S121, the contractor can input a voice of consent to the contractor terminal 3 by inputting a voice such as "Yes" or "I understand". The contractor terminal control unit 31 causes the voice output unit 39 to output the fifth guidance voice stored in the guidance voice table 124 (S122). The contractor terminal control unit 31 causes the photographing unit 36 ​​to photograph an image of the identification document (S123).

[0104] The contractor terminal control unit 31 causes the display unit 34 to display a voice input screen (see FIG. 8) (S124). The contractor terminal control unit 31 causes the voice output unit 39 to output the sixth guidance voice stored in the guidance voice table 124 (S125). The contractor terminal control unit 31 causes the voice input unit 38 to accept the voice input of numbers and alphabets by the contractor (S126). The contractor terminal control unit 31 causes the voice output unit 39 to output the seventh guidance voice stored in the guidance voice table 124 (S127). The contractor terminal control unit 31 causes the voice input unit 38 to accept the voice input of the contractor information of the contractor that has been voice-input and the contractor's voice to be transmitted to the information processing device 1 (S128). In addition, in S124, the contractor can input a voice such as "Yes" or "I will send" to the contractor terminal to input a voice to transmit the contractor information of the contractor that has been voice-input and the contractor's voice to the information processing device 1. The subscriber terminal control unit 31 transmits subscriber information including the subscriber's name, date of birth, telephone number, location information of the subscriber terminal 3, an image of the identification document, each of the audio files of numbers and letters input in S124, and an audio file of the name input in S115 to the information processing device 1 (S129), and then terminates the processing.

[0105] According to the above configuration and processing, the contractor can easily input contractor information by performing voice input according to the voice guidance. The contractor terminal 3 may output the voice guidance to the contractor during contract processing after obtaining the contract document. The contractor terminal 3 may also output the voice guidance output by inputting the voice input by the contractor into a learning model such as GPT (Generative Pre-trained Transformer).

[0106] (Embodiment 4) The contractor in the fourth embodiment is a contractor for purchasing a vehicle. The contractor information in the fourth embodiment includes the contractor's occupation, annual income, whether or not the contractor agrees to take out insurance, whether or not the contractor agrees to a special vehicle return clause, information on the vehicle return guarantor, information on the joint vehicle return guarantor, and information on the selection of a payment plan for the vehicle purchase price. The contractor in the present embodiment is a vehicle dealer.

[0107] FIG. 35 is a schematic diagram showing a configuration example of an information processing system S according to the fourth embodiment. The information processing system S according to the fourth embodiment includes a vehicle return guarantor terminal 5 and a joint vehicle return guarantor terminal 6. The vehicle return guarantor terminal 5 is a terminal owned by a vehicle return guarantor who returns the vehicle when the contractor fails to make payment. The joint vehicle return guarantor terminal 6 is a terminal owned by a joint vehicle return guarantor who cooperates in returning the vehicle when the contractor fails to make payment. The vehicle return guarantor terminal 5 and the joint vehicle return guarantor terminal 6 are, for example, smartphones and have the same configuration as the contractor. The vehicle return guarantor terminal 5 and the joint vehicle return guarantor terminal 6 are identified by, for example, a telephone number.

[0108] 36 is a block diagram showing a configuration example of the information processing device 1 according to embodiment 4. The storage unit 12 of the information processing device 1 according to embodiment 4 stores a vehicle contract holder information table 125, a vehicle return guarantor information table 126, a joint vehicle return guarantor information table 127, and a payment information table 128.

[0109] 37 is an explanatory diagram showing an example of the vehicle contract holder information table 125. Contract holder information of a contract holder who purchases a vehicle is stored in the vehicle contract holder information table 125. The management items (fields) of the vehicle contract holder information table 125 include, for example, a contract holder ID field, an occupation field, an annual income field, an insurance subscription agreement field, a vehicle return special agreement field, a vehicle return guarantor ID field, a joint vehicle return guarantor ID field, a purchased vehicle ID field, and a payment plan field.

[0110] The policyholder ID field of the vehicle policyholder information table 125 stores the policyholder ID of the policyholder who purchases the vehicle. The occupation field and annual income field store the occupation and annual income input by the policyholder on the policyholder terminal 3, and the insurance enrollment consent field stores the presence or absence of consent to enrolling in vehicle insurance input by the policyholder on the policyholder terminal 3. The return special agreement field stores the presence or absence of consent to returning the vehicle to the dealer (return special agreement) input by the policyholder on the policyholder terminal 3. The return guarantor ID field stores an ID assigned to the return guarantor whose information the policyholder inputs on the policyholder terminal 3. The return guarantor is a guarantor who returns the vehicle purchased by the policyholder to the dealer if the policyholder does not make payments. The joint vehicle return guarantor ID field stores the ID assigned to the joint vehicle return guarantor whose information the contractor inputs on the contractor terminal 3. The vehicle return guarantor is a guarantor who will return the vehicle purchased by the contractor to the dealer if the contractor does not make the payment and the vehicle is not returned by the vehicle return guarantor. The purchased vehicle ID stores the vehicle ID assigned to the vehicle the contractor wishes to purchase. The payment plan field stores the payment plan input by the contractor on the contractor terminal 3.

[0111] 38 is an explanatory diagram showing an example of the vehicle return guarantor information table 126. The vehicle return guarantor information table 126 stores information about the vehicle return guarantor input by the contractor on the contractor terminal 3. The control unit 11 of the information processing device 1 may store information about the vehicle return guarantor input on the vehicle return guarantor terminal 5 in the vehicle return guarantor information table 126. The management items (fields) of the vehicle return guarantor information table 126 include, for example, a vehicle return guarantor ID field, a name field, an address field, and a telephone number field.

[0112] The vehicle return guarantor ID field of the vehicle return guarantor information table 126 stores an ID assigned to the vehicle return guarantor whose information the contractor inputs on the contractor terminal 3. The name field, address field, and telephone number field store the name, address, and telephone number of the vehicle return guarantor input by the contractor on the contractor terminal 3.

[0113] 39 is an explanatory diagram showing an example of the joint return guarantor information table 127. The joint return guarantor information table 127 stores information about the joint return guarantor entered at the contractor terminal 3. The control unit 11 of the information processing device 1 may store information about the joint return guarantor entered at the joint return guarantor terminal 6 in the joint return guarantor information table 127. The management items (fields) of the joint return guarantor information table 127 include, for example, a joint return guarantor ID field, a name field, a relationship field, and a telephone number field.

[0114] The joint return guarantor ID field of the joint return guarantor information table 127 stores an ID assigned to the joint return guarantor. The name field stores the name of the joint return guarantor. The relationship field stores the relationship of the joint return guarantor to the contract holder. The phone number field stores the phone number of the joint return guarantor.

[0115] FIG. 40 is an explanatory diagram showing an example of a vehicle contract holder information input screen. For example, when the contractor terminal control unit 31 of the contractor terminal 3 accepts input of information indicating that the contractor wishes to enter into a contract to purchase a vehicle, the contractor terminal control unit 31 causes the display unit 34 to display the vehicle contract holder information input screen. The vehicle contract holder information input screen includes a vehicle contract holder information input field, a consent input field, a vehicle return guarantor information input field, and a joint vehicle return guarantor input field. In the vehicle contract holder information input field, the contractor ID, occupation, annual income, vehicle ID of the vehicle to be purchased, and a desired payment plan are input. In the consent input field, a check box for inputting consent to joining the vehicle insurance and a check box for inputting consent to returning the vehicle to the dealer in the event of default of payment (vehicle return special clause) are displayed. When a check is input in each check box, the contractor terminal control unit 31 transmits information of "consented" to the information processing device 1 as consent. The contents displayed in the consent input field correspond to notes. The name, address, and telephone number of the vehicle return guarantor are entered in the vehicle return guarantor information input field. The name, relationship, and telephone number of the joint vehicle return guarantor are entered in the vehicle return guarantor information input field. The contractor terminal control unit 31 transmits the information entered on the vehicle contractor information input screen (contractor information) to the information processing device 1.

[0116] The control unit 11 of the information processing device 1 stores the contractor information acquired from the contractor terminal 3 in a vehicle contractor information table 125, a vehicle return guarantor information table 126, and a joint vehicle return guarantor information table 127. The control unit 11 also transmits the contractor information acquired from the contractor terminal 3 to the contractor terminal 2. The contractor terminal control unit 21 of the contractor terminal 2 which has acquired the contractor information from the information processing device 1 creates a contract document based on the acquired contractor information. The contract document may be created by the contractor inputting the contractor information into the contractor terminal 2, or may be created by the control unit 11 of the information processing device 1 based on the contractor information acquired from the contractor terminal.

[0117] FIG. 41 is an explanatory diagram showing a contract document display screen in the contractor terminal 3 according to the fourth embodiment. The information processing device 1, which has acquired the contract document from the contractor terminal 2, transmits the acquired contract document to the contractor terminal 3. The contractor terminal control unit 31 of the contractor terminal 3, which has acquired the contract document, displays the acquired contract document on the display unit 34. The contract document according to this embodiment describes the contractor ID and contractor name of the contractor selling the vehicle, the contractor ID and name of the contractor, occupation, annual income, vehicle ID of the vehicle to be purchased, payment plan, consent to taking out insurance, consent to the return special clause, return guarantor information, and joint return guarantor information. In addition, the contract document according to this embodiment describes the total payment amount, number of payments, and monthly payment amount specified based on the vehicle ID and payment plan. In addition, a voice authentication start button is displayed on the contract document display screen. When the voice authentication start button is pressed, the contractor terminal control unit 31 transmits to the information processing device 1 that voice authentication has been started, and displays a voice authentication screen (see FIG. 11) on the display unit 34.

[0118] 42 and 43 are flow charts showing an example of contract processing according to the fourth embodiment. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display a vehicle contractor information input screen (S131). The contractor terminal control unit 31 causes the input unit 35 to accept input of contractor information including the contractor's occupation, annual income, consent to insurance, consent to the vehicle return special clause, information on the vehicle return guarantor, information on the joint vehicle return guarantor, and information on the selection of a payment plan for the vehicle purchase price (S132). The contractor terminal control unit 31 transmits the input contractor information to the information processing device 1 (S133).

[0119] The control unit 11 of the information processing device 1 acquires the contractor information from the information processing device 1 (S134). The control unit 11 stores the acquired contractor information in the vehicle contractor information table 125, the vehicle return guarantor information table 126, and the joint vehicle return guarantor information table 127 (S135). The control unit 11 transmits the contractor information to the dealer terminal 2 (S136).

[0120] The contractor terminal control unit 21 of the contractor terminal 2 acquires contractor information from the information processing device 1 (S137). The contractor terminal control unit 21 creates a contract document by entering the acquired contractor information (S138). The contractor terminal control unit 21 also enters in the contract document the total payment amount, the number of payments, and the monthly payment amount, which are specified based on the vehicle ID and payment plan included in the contractor information (S139). The contractor terminal control unit 21 transmits the created contract document to the information processing device 1 (S140).

[0121] The processes of S141 to S165 are similar to the processes of S24 to S48. The control unit 11 of the information processing device 1 may determine that the contract is not concluded if the agreement to the notes including the insurance subscription or the car return special clause is not input in the contractor terminal 3. That is, the control unit 11 of the information processing device 1 may determine whether the contract is concluded or not based on information regarding the presence or absence of agreement to the car return special clause or the notes.

[0122] 44 is an explanatory diagram showing an example of the payment information table 128. The payment information table 128 records monthly payments based on a payment plan for vehicles purchased by a contractor. The management items (fields) of the payment information table 128 include, for example, a contractor ID field, a vehicle ID field, a payment plan field, a monthly payment field, and a payment due date field.

[0123] The contractor ID field stores the contractor ID of the contractor who has signed a contract to purchase a vehicle. The vehicle ID field stores the vehicle ID of the vehicle purchased by the contractor. The payment plan field stores the payment plan entered by the contractor at the contractor terminal 3. The monthly payment field stores the monthly amount that the contractor plans to pay based on the vehicle ID and payment plan. The memory unit 12 of the information processing device 1 stores a table in which, for example, monthly payment amounts for vehicle IDs and payment plans are recorded, and the control unit 11 refers to the table and stores the monthly payment amount in the monthly payment field of the payment information table 128. The payment due date field stores the monthly payment due date when the contractor pays the monthly payment.

[0124] FIG. 45 is a flowchart showing an example of the payment management process. The control unit 11 of the information processing device 1 judges whether or not it is a predetermined time (S171). If it is a predetermined time (for example, 5 p.m.) of each day (S171: YES), the control unit 11 advances the process to S172. If it is not the predetermined time (S171: NO), the control unit 11 repeats S171 and waits until the predetermined time arrives. The control unit 11 judges whether or not the contractant has made a payment for the monthly payment (payment based on the payment plan) by the predetermined time on the day of the process (S172). The control unit 11 judges whether or not a payment has been made based on information transmitted (output) from, for example, an account receipt system or a credit card receipt system. If a payment has been made (S172: YES), the control unit 11 returns the process to S171 and repeats the same process for the next payment month. In this case, in the judgment of S21, it is judged whether or not it is a predetermined time on the next day.

[0125] If there is no payment (S172: NO), the control unit 11 of the information processing device 1 judges whether the processing day is after the payment due date based on the payment information table 128 (S173). If the processing day is before the payment due date (S173: NO), the control unit 11 returns the process to S171 and repeats the same process. In this case, the judgment in S171 judges whether it is a specified time of the next day. If the processing day is after the payment due date (S173: YES), a notice of return request is sent to the vehicle return guarantor terminal 5 and the joint vehicle return guarantor terminal 6 to the effect that the contractor has not made the payment and that the contractor needs to return the vehicle he purchased to the dealer (vehicle return request notice) (S174), and the process ends.

[0126] According to the above configuration and processing, a contractor who purchases a vehicle can enter into a contract by inputting voice into the contractor terminal 3. The information processing device 1 can also acquire and store information regarding consent to conditions related to the contract for purchasing a vehicle. The contractor terminal 3 may accept input of contractor information including the contractor's occupation, annual income, consent to insurance, consent to the return of the vehicle special clause, information on the return of the vehicle guarantor, information on the joint return of the vehicle guarantor, and information on the selection of a payment plan for the purchase price of the vehicle, by voice input from the contractor. Furthermore, when the return of the vehicle guarantor information or the joint return of the vehicle guarantor information is input into the contractor terminal 3 and the inputted return of the vehicle guarantor information or the joint return of the vehicle guarantor information is transmitted to the information processing device 1, the information processing device 1 may notify the return of the vehicle guarantor terminal 5 or the joint return of the vehicle guarantor terminal 6 that the return of the vehicle guarantor information or the joint return of the vehicle guarantor information has been input. At this time, the vehicle return guarantor terminal 5 or the joint return guarantor terminal 6 may accept input of information regarding permission for the establishment of the contract from the vehicle return guarantor or the joint return guarantor, and transmit the input information regarding permission for the establishment to the information processing device 1. The information processing device 1 determines whether the contract has been concluded based on the information regarding permission for the establishment of the contract acquired from the vehicle return guarantor terminal 5 or the joint return guarantor terminal 6. The information processing device 1 may also perform voice authentication of the vehicle return guarantor or the joint return guarantor based on the voice input to the vehicle return guarantor terminal 5 or the joint return guarantor terminal 6, and determine whether the contract has been concluded based on the success or failure of the voice authentication of the vehicle return guarantor or the joint return guarantor.

[0127] (Modification) In each of the above-described embodiments, the control unit 11 of the information processing device 1 may transmit information requesting updating of the voice file stored in the contractor information table 121 to the contractor terminal 3. In addition, when the voice file stored in the contractor information table 121 has not been updated for a predetermined period (e.g., one year) or more, the control unit 11 of the information processing device 1 may determine that the contract has not been established even if it acquires the authentication voice file from the contractor terminal 3.

[0128] In each of the above-mentioned embodiments, the control unit 11 of the information processing device 1 may determine that the contract is not established when acquiring an authentication voice file after a predetermined time has elapsed since the generated password was transmitted to the contractor terminal 3. In other words, the password may function as a one-time password. In this case, the control unit 11 may generate a password again and transmit the generated new password to the contractor terminal 3.

[0129] In each of the above-mentioned embodiments, the contractor terminal 3 accepts the input of contractor information and the input of authentication voice, but this is not limited to this. For example, a customer terminal such as a personal computer installed in a store owned by a trader may accept the input of contractor information and the input of authentication voice. The customer terminal may be installed, for example, in a booth-type private room in the store.

[0130] In each of the above-mentioned embodiments, the contract document may include a two-dimensional code indicating an audio file of the contractor's name. In this case, the contractor terminal 2, contractor terminal 3, guardian terminal 4, vehicle return guarantor terminal 5, or joint vehicle return guarantor terminal 6 may be able to read the two-dimensional code included in the acquired contract document to obtain an audio file of the contractor's name and play back the audio of the contractor's name.

[0131] The registration voice input in the contractor terminal 3 may be frequency-converted using a voice filter designated from among a plurality of voice filters, and stored in the contractor information table 121. The contractor terminal 3 accepts, for example, on a voice input screen, an input of a designated voice filter to be used, for example, by selecting a voice filter number. The information processing device 1 frequency-converts the input voice using a designated filter from among a plurality of stored filters, and stores the frequency-converted voice in the contractor information table 121. The contractor inputs the number of a voice filter selected (designated) in advance on a voice authentication screen displayed by the contractor terminal 3. The contractor terminal 3 transmits the number of the voice filter input together with the file of the authentication voice to the information processing device 1. The information processing device 1 may convert the acquired authentication voice using a voice filter whose number was input in the contractor terminal 3, and determine whether the converted authentication voice matches the registration voice stored in the contractor information table 121. Note that a plurality of voice filters may be used for frequency conversion.

[0132] The authentication voice that the contractor terminal 3 accepts as input when performing voice authentication is not limited to the voice of the password or contractor's name randomly determined by the information processing device 1. The contractor terminal 3 may accept input of a registered voice of any preset phrase, and the information processing device 1 may store the registered voice of the arbitrary phrase. The contractor inputs a preset phrase by voice on the voice authentication screen displayed by the contractor terminal. The contractor terminal 3 transmits the authentication voice of the input phrase to the information processing device 1. The information processing device 1 may determine whether the authentication voice of the input phrase matches the registered voice of the preset phrase.

[0133] The embodiments disclosed herein should be considered to be illustrative in all respects and not restrictive. The technical features described in each embodiment can be combined with each other, and the scope of the present invention is intended to include all modifications within the scope of the claims and equivalents to the scope of the claims. In addition, the independent claims and dependent claims described in the claims can be combined with each other in all combinations regardless of the reference format. Furthermore, the claims use a format in which a claim references two or more other claims (multiple claim format), but this is not limited to this. A format in which a multiple claim (multi-multi claim) that references at least one multiple claim may be used. [Explanation of symbols]

[0134] 1. Information processing device 2. Contractor terminal 3. Subscriber terminal 4 Parental terminal 5. Guarantor terminal for returning the vehicle 6. Joint return guarantor terminal 11 Control section 12 Storage section 12a Storage medium 13. Communications Department 21 Business terminal control unit 22 Memory section 22a Storage medium 23 Communications Department 24 Display section 25 Input section 31 Customer terminal control unit 32 Storage section 32a Storage medium 33 Communications Department 34 Display section 35 Input section 36 Photography Department 37 Location information acquisition unit 38 Audio input section 39 Audio output section 41 Parental terminal control unit 42 Storage section 42a Storage medium 43 Communications Department 44 Display section 45 Input section 46 Photography Department 47 Location information acquisition unit 48 Audio input section 121 Contractor Information Table 122 Contract Document Table 123 Parent Information Table 124 Guidance Voice Table 125 Vehicle Contractor Information Table 126 Return Guarantor Information Table 127 Joint Return Guarantor Information Table 128 Payment Information Table N Network P Program Pa Application Program (Application Program) Pb Application Program (Application Program) PC application program (app program) S Information Processing System

Claims

1. Recognizes the authentication voice input by the subscriber, The success or failure of the contract is determined based on the recognized authentication voice. Information processing methods.

2. determining whether or not registration voice information relating to a registration voice previously registered by the subscriber matches authentication voice information relating to the authentication voice; The success or failure of the contract is determined based on whether the registration voice information and the authentication voice information match. The information processing method according to claim 1 .

3. Based on the voiceprint of the voice contained in the registration voice information and the authentication voice information, it is determined whether the registration voice information matches the authentication voice information. The information processing method according to claim 2 .

4. Recording subscriber information regarding said subscriber in a database The information processing method according to any one of claims 1 to 3.

5. Print out the contract document containing the contractor information The information processing method according to claim 4.

6. The subscriber information includes information regarding whether or not the subscriber agrees to the notice, Based on the information on whether or not the notice is agreed to, the success or failure of the contract is determined. The information processing method according to claim 4.

7. A voice guidance is output to the contractor to prompt the contractor to input the contractor information by voice.

5. The information processing method according to claim 4.

8. The success or failure of the contract is determined based on the authentication voice input to a contract terminal owned by the contractant. The information processing method according to any one of claims 1 to 3.

9. When the authentication voice is input to the subscriber terminal, outputting a notification to a guardian terminal of the guardian of the subscriber that the authentication voice has been input to the subscriber terminal; accepting input of permission information regarding permission for the establishment of the contract at the parent / guardian terminal; Decide whether the contract is successful or not based on the input permission information The information processing method according to claim 8.

10. The contractor is a contractor for the purchase of a vehicle, The policyholder information includes the policyholder's occupation, annual income, or whether or not the policyholder has agreed to insurance. The information processing method according to claim 4.

11. The contractor is a contractor for the purchase of a vehicle, The contractor information includes whether or not the contractor agrees to a special vehicle return clause to return the vehicle to the contractor if payment is not made, The success or failure of the contract is determined based on the presence or absence of consent to the inputted vehicle return special provision. The information processing method according to claim 4.

12. The contractor is a contractor for the purchase of a vehicle, The contractor information includes information regarding a vehicle return guarantor who will return the vehicle if the contractor fails to make a payment; determining whether payment by said contractor has been made; If the contract holder fails to make a payment, a notice is sent to the vehicle return guarantor terminal owned by the vehicle return guarantor. The information processing method according to claim 4.

13. The contractor is a contractor for the purchase of a vehicle, The contractor information includes information regarding a joint vehicle return guarantor who cooperates with the return of the vehicle in the event that the contractor fails to make a payment, determining whether payment by said contractor has been made; If the contract holder fails to make a payment, a notice is sent to the joint vehicle return guarantor terminal owned by the joint vehicle return guarantor. The information processing method according to claim 4.

14. The contractor is a contractor for the purchase of a vehicle, The contract holder information includes information regarding the selection of a payment plan for the purchase price of the vehicle, Determine whether payment has been made under the selected payment plan The information processing method according to claim 12.

15. Recognizes the authentication voice input by the subscriber, The success or failure of the contract is determined based on the recognized authentication voice. A program that causes a computer to carry out processing.

16. Recognizes the authentication voice input by the subscriber, The success or failure of the contract is determined based on the recognized authentication voice. Control Unit An information processing device comprising:

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