Trustworthiness confirmation system

Abstract

To provide a trustworthiness confirmation system that enables a service provider to accurately authenticate a user's telephone number.SOLUTION: The system comprises: flagged telephone number lists 2 that are created for respective services and have registered telephone numbers of service users that have been associated with flag information that is based on criteria from service providers that provide the services; and calculation means 3 that calculates the trustworthiness of a telephone number x of a specific user terminal A. The calculation means 3 calculates the trustworthiness based on the information on the flagged telephone number lists 2, and outputs the calculation results to service management means 1.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a system for verifying the trustworthiness of a service user. [Background technology]

[0002] It is being considered to use individual telephone numbers to authenticate users of the service. For example, Patent Document 1 describes a system in which, each time a service authentication request signal is received from a user, an arbitrary authentication phone number is randomly displayed on the user terminal, and when a call (access) is made from the user's phone number to the authentication phone number, a phone number match determination is made, and the service provider determines whether or not restrictions on service provision are necessary.

[0003] In addition, for users who have engaged in problematic behavior in the past, their phone numbers may be registered as suspicious phone numbers on a list of suspicious phone numbers, similar to a blacklist, and users of phone numbers registered on the list of suspicious phone numbers may be restricted from using services, regardless of other conditions. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2013-142916 Summary of the Invention [Problem to be solved by the invention]

[0005] By performing authentication based on the above-mentioned list of suspicious phone numbers, trouble with users can be prevented in advance. Most users whose phone numbers are registered on the black phone number list are those who have previously had trouble with the service provider that manages the list. Such black people are likely to cause similar trouble with service providers that offer similar services. However, because the phone numbers of black people are registered on the black phone number list after they have caused trouble, the black phone number list may not be valid when using a service provider's service for the first time. Authentication using such a black phone number list poses a problem in that each service provider cannot identify the phone numbers of black people before using the service.

[0006] An object of the present invention is to provide a creditworthiness confirmation system that enables a service provider to accurately confirm the creditworthiness of a user. [Means for solving the problem]

[0007] The first invention comprises a list of suspicious telephone numbers, which is created for each service and in which telephone numbers of service users are registered, each associated with suspicious information according to the standards of the service provider that provides the service, and a credibility calculation means that calculates the credibility of a specific telephone number based on the information in the list of suspicious telephone numbers and outputs the calculation result.

[0008] The second invention provides a service management means for each of the above services, and the specific telephone number is a telephone number sent from the specific service management means to the credit calculation means together with a credit calculation request, and the credit calculation means sends the calculation result to the service management means that is the sender of the calculation request.

[0009] In a third aspect of the present invention, the service management means has a function of determining whether or not it is necessary to restrict the provision of the service corresponding to the service management means, based on the calculation result received from the credit rating calculation means.

[0010] The fourth invention has a function of notifying the service user of the specific telephone number of an authentication telephone number when the service management means determines that the service can be provided, and has an authentication means for authenticating the service user when a call is made to the authentication telephone number from the specific telephone number of the service user.

[0011] In a fifth aspect of the present invention, the list of suspicious telephone numbers is grouped based on the type of business of the corresponding service, and when the credit rating calculation means receives the calculation request, it calculates the credit rating by referring to information on the list of suspicious telephone numbers included in the same group as the list of suspicious telephone numbers corresponding to the specific service management means that is the sender of the calculation request.

[0012] In a sixth aspect of the present invention, the trustworthiness calculation means calculates the trustworthiness using an arithmetic expression using a plurality of parameters according to the black phone number list.

[0013] The seventh invention includes a reference telephone number list in which suspicious telephone numbers extracted based on criteria other than the criteria of the service provider are registered, and the credibility calculation means calculates the credibility of the specific telephone number by referring to the reference telephone number list.

[0014] The eighth invention is a method for selecting from the plurality of black phone number lists: The system is provided with a notification means for notifying a service management means managing services corresponding to any other black phone number list that the telephone number has been deleted when the telephone number associated with the black phone information is deleted from any black phone number list. [Effects of the Invention]

[0015] According to the present invention, the trustworthiness of a telephone number can be calculated based on information from multiple black phone number lists. Because a large amount of black information can be referenced, highly reliable calculation results can be obtained. The trustworthiness of the user can also be confirmed based on the trustworthiness of the telephone number, making it possible to determine whether the user is a black person or not.

[0016] According to the second aspect of the present invention, the service management means can confirm the trustworthiness of a service user by the user's telephone number.

[0017] According to the third aspect of the present invention, the service management means can determine whether or not it is necessary to restrict the provision of services based on the calculation result of the trustworthiness calculation means. It is also possible to prevent trouble in advance by restricting the provision of services to users with low trustworthiness.

[0018] According to the fourth aspect of the present invention, after making a judgment based on the calculation result of the trustworthiness, further authentication is performed using the authentication phone number, thereby making it possible to confirm that the user is using the phone number. Since the correspondence between the phone number and the user is certain, the trustworthiness of the user can be judged more accurately based on the trustworthiness of the phone number.

[0019] According to the fifth invention, when the type of suspicious information or the level of suspiciousness differs depending on the type of service business, the credibility can be calculated by referring to a more appropriate list of suspicious telephone numbers, thereby enabling highly accurate calculations to be performed efficiently.

[0020] According to the sixth aspect of the present invention, the credit rating calculation means can calculate the credit rating based on a set calculation formula.

[0021] According to the seventh invention, the trustworthiness of a telephone number can be calculated by referring to a reference telephone number list extracted based on criteria other than those of the service provider. For example, regardless of the type of service, telephone numbers that cannot be the user's telephone number can be registered in a reference telephone number list, and by referring to this list preferentially, it may be possible to output the calculation result before referring to other lists of suspicious telephone numbers.

[0022] According to the eighth invention, when the problematic behavior of a service user of a telephone number associated with suspicious information is corrected in relation to a service provider and the telephone number is no longer a suspicious telephone number, this fact can be notified to other service management means. The service management means (service provider) that is notified that a specific telephone number has been removed from another list of suspicious telephone numbers can review the contents of the list of suspicious telephone numbers that it manages based on the information. [Brief explanation of the drawings]

[0023] [Figure 1] FIG. 1 is a block diagram showing the overall configuration of a creditworthiness confirmation system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a flowchart showing a processing flow of the embodiment. [Figure 3] FIG. 3 is a flowchart illustrating an example of details of the steps for calculating the trustworthiness of a particular phone number in an embodiment. [Figure 4] FIG. 4 is a flowchart showing the procedure of an embodiment in which incoming call authentication is performed by telephone. DETAILED DESCRIPTION OF THE INVENTION

[0024] [composition] An embodiment of the present invention will be described below. The system in Figure 1 is a system in which a service provider checks the credibility of the phone number of a user who is trying to use their service. This system comprises a user terminal A used by the service user, multiple service management devices B (B1, B2, ..., Bn) provided for each service of the service provider, and a center server C that calculates the credibility of specific telephone numbers and manages the system.

[0025] Each service management device B is provided with a processing unit 1 serving as a service management means and a black phone number list 2, both of which are capable of communicating with the center server C. In Figure 1, among the multiple service management devices, a specific service management device is shown as processing unit 1, which is a specific service management means of B1, and other service management means are shown as processing unit 1'. A distinction is also made between the suspicious telephone number list 2 connected to processing unit 1 and other suspicious telephone number lists 2'. However, in the following explanation, when there is no need to distinguish the specific processing unit and suspicious telephone number list from other processing units and suspicious telephone number lists, they will be referred to as service management device B, processing unit 1, and suspicious telephone number list 2.

[0026] Each black phone number list 2 is created by a service provider according to its own company's standards, and contains the telephone numbers of users associated with black information, that is, the telephone numbers of black users. "Red flag information" refers to information that a service provider determines is unsuitable for using their service, such as a person who has not paid for a product in the past or who has registered false personal information. These criteria are determined by the service provider, and the "Red Flag Phone Number List 2" is created independently by each service provider. However, the criteria tend to be similar depending on the type of service.

[0027] Furthermore, the user's telephone number corresponds one-to-one with the individual user, and here, telephone numbers including landlines and mobile phones, not only within Japan but all over the world, are used as the target. The processing unit 1 and the black phone number list 2 correspond to one service, so if the same business operator provides multiple services, it is necessary to provide a service management device B for each individual service. Each black phone number list 2 can be updated and registered individually via the corresponding processing unit 1.

[0028] Meanwhile, the center server C includes a calculation unit 3, which is a trust calculation means for calculating the trust of specific telephone numbers, one or more reference telephone number lists 4 connected to the calculation unit 3, and an incoming call authentication unit 5. Unlike the suspicious telephone number list 2, which is created based on the service provider's standards, the reference telephone number list 4 is a list of telephone numbers that require caution regardless of the type of service, or telephone numbers that should be excluded as users. For example, if users of each service are to be authenticated using only their mobile phone number, telephone numbers other than mobile phones will not be recognized as user numbers. For this reason, the reference telephone number list 4 includes multiple lists, such as lists of numbers that cannot be used as mobile phones, landline numbers not issued to the general public, telephone numbers used by corporations rather than individuals, and telephone numbers that have been misused for crimes in cooperation with public institutions.

[0029] The user terminal A is a device such as a smartphone that can access the service management device B via a browser or an app, and can also access the incoming call authentication unit 5 of the center server C using its telephone function. However, a dedicated terminal or a personal computer of the service provider that can access the service management device B can also be used separately from a mobile phone or a fixed-line telephone. If the incoming call authentication process described later is not executed, the user terminal A does not need to have a telephone function.

[0030] The processing unit 1 is connected to the user terminal A via a user registration page for accepting a first-time application from the user, a page for authenticating the user such as a login page for the second or subsequent logins, and a page for executing the service, and has a function of sending a request for calculating the creditworthiness to the calculation unit 3 of the center server C. Furthermore, the processing unit 1 determines whether or not it is necessary to restrict the provision of services to the user based on the calculation result of the creditworthiness sent from the center server C.

[0031] The calculation unit 3 has a function of calculating the creditworthiness of a specific telephone number in response to a request from a specific processing unit 1 to calculate the creditworthiness, and transmitting the calculation result (creditworthiness) to the processing unit 1. The calculation unit 3 of the center server C is able to access each black phone number list 2 via a management tool (interface) (not shown) in which the black phone number list 2 is registered. Furthermore, the incoming call authentication unit 5 is an authentication means having a function of authenticating a user by a telephone number, which will be explained later.

[0032] [Actions and effects] The operation of this system will be explained below with reference to the flowcharts in FIGS. Here, a case where the telephone number of a user of a service corresponding to a specific service management device B1 is confirmed will be described, taking as an example the case where the user first applies for use of the service.

[0033] 2, in step S1, a user inputs personal attribute information including his / her mobile phone number x (e.g., 090-xxxx-xxxx) into a service application page corresponding to the service management device B1. This application page is a page of a service provider that provides the service, and is a page provided by the processing unit 1. In step S2, the processing unit 1 identifies the user's telephone number x from the information input from the user terminal A, and requests the calculation unit 3 of the center server C to calculate the credibility of this telephone number x (step S3).

[0034] The calculation unit 3 of the center server C, which has received the request to calculate the credibility, refers to the telephone number list in step S4, and calculates the credibility of the telephone number x based on the list in step S5. The telephone number lists referenced in step S4 are the list of suspicious telephone numbers 2 registered in a specific service management device B1, the list of suspicious telephone numbers 2' registered in other service management devices B2, ..., Bn, and the reference telephone number list 4 registered in the center server C. Specifically, it is checked whether the specific telephone number x is registered in all telephone number lists.

[0035] In step S5, the trustworthiness of telephone number x is calculated based on the registration status in the telephone number list. For example, if telephone number x is not registered in any telephone number list, the trustworthiness of telephone number x will be calculated as a high value, and if it is registered in many black phone number lists 2, the trustworthiness will be calculated as a low value. In this way, a trustworthiness calculation formula for calculating the trustworthiness of a specific telephone number x according to the registration status of that telephone number x in the telephone number list is set in the calculation unit 3 of the center server C, and the trustworthiness is calculated according to this trustworthiness calculation formula. The trustworthiness calculation formula includes parameters that change depending on the industry type of the service, the number of telephone number lists to be referenced, etc. After calculating the trustworthiness, the calculation unit 3 transmits the trustworthiness, which is the calculation result, to the processing unit 1, which is the sender of the calculation request, in step S6.

[0036] The processing unit 1 receives the calculation result and judges the received creditworthiness in accordance with its own standards in step S7. In steps S8 and S9, the processing unit 1 causes the user terminal A to display a screen according to the judgment result. The result of the trust calculation is judged by, for example, comparing the trust value with a reference value. If the trust value is less than the reference value, an NG result concluding that the provision of the service should be restricted is displayed (step S8), and if the trust value is equal to or greater than the reference value, an OK result indicating that the next step toward providing the service should be proceeded to is displayed (step S9).

[0037] As described above, in this system, the creditworthiness of a user can be confirmed by the user's telephone number. Furthermore, since the trustworthiness of a specific telephone number x is calculated by referencing information on a large number of black phone number lists 2, a more reliable trustworthiness calculation result can be obtained compared to when only the information on the black phone number list 2 of the specific service management device B1 that requested the service is referenced. The trustworthiness calculation result can limit the provision of services to users with low trustworthiness, making it possible to avoid problems in advance. Furthermore, since other companies' lists of suspicious phone numbers 2' can also be used to calculate the credibility, individual service providers do not need to collect information on the phone numbers of users who have never used their own services, thereby reducing the burden on each service provider.

[0038] [Example of phone number list reference] In step S4, all telephone number lists are referenced before calculating the credibility, but the reference order of the telephone number lists may be determined by weighting each list. An example of this is shown in FIG. 3.

[0039] FIG. 3 shows the processing of the calculation unit 3 that has received a request to calculate the creditworthiness of a specific telephone number x, and shows the steps from step S4 onward in FIG. In step S4, the calculation unit 3 receives a request to calculate the trustworthiness, and in step S101, it refers to the suspicious telephone number list 2 of the specific service management device B1 and determines whether or not the number x is included in this suspicious telephone number list 2. If the telephone number x is included in the suspicious telephone number list 2, it proceeds to step S109, determines that the telephone number is NG (low trustworthiness), and proceeds to step S110 (corresponding to step S6 in Figure 2) and transmits this determination result to the processing unit 1.

[0040] The suspicious telephone number list 2 of the service management device B1 is a list created by the service provider corresponding to the service management device B1, and contains the numbers of users who are not suitable as users of the company's services. Therefore, since the service will not be provided to users of the telephone numbers included in the suspicious telephone number list 2, the service will be judged as NG, and for example, the lowest trust level will be assigned, and other telephone number lists will not be referenced.

[0041] On the other hand, if the telephone number x is not included in list 2 in step S102, the process proceeds to step S103, where reference telephone number list 4 of center server C is referenced, and it is determined in step S104 whether the telephone number x is included in this reference telephone number list. Since the reference telephone number list 4 is also a list of impossible telephone numbers, if telephone number x is included in this reference telephone number list 4, proceed to step S109, and if it is not included, proceed to step S105 and refer to the other suspicious telephone number list 2'.

[0042] If it is determined in step S106 that the telephone number x is not included in any of the other suspicious telephone number lists 2', then in step S107 it is determined to be OK (high credibility), and the result of the credibility calculation is sent to the processing unit 1 (step S110). In step S106, if the telephone number x is included in the other suspicious telephone number list 2', proceed to step S108, and as in step S5 of Figure 2, the credibility is calculated, and in step S110 the calculated credibility is sent to the processing unit 1 (step S110).

[0043] The processing from step S6 onwards is as shown in FIG. In this way, by prioritizing telephone number lists and making a decision each time a telephone number list is referenced, the number of telephone number lists to be referenced can be reduced, and calculations can be simplified.

[0044] In addition, all of the black phone number lists 2 may be grouped based on the type of business of the corresponding service, and the black phone number list 2' included in the group corresponding to the specific service accessed by the user may be referenced preferentially. Note that the processing unit 1 corresponding to the specific service is the sender of the request to calculate the credibility.

[0045] The reason why the list of suspicious phone numbers 2 is divided into groups based on industry is that the content and level of suspicious information will be similar depending on the type of service, and it is thought that suspicious people will commit similar fraudulent acts against the same type of service. Furthermore, the level of caution-required information can be weighted depending on whether it is in the same group as a specific service, and this can be reflected in the parameters of the credibility calculation formula for calculating the credibility.

[0046] Furthermore, in the step of referencing multiple black phone number lists 2, it is possible to infer the preferences of a specific user from the type of service corresponding to the black phone number list 2 that contains the phone number x of that user, or to infer a behavioral pattern from the date and frequency at which credit score calculation requests are made. For example, if phone number x is registered on the black phone number lists 2 of multiple securities companies and credit card companies, it is possible to infer that the corresponding user is interested in financial services, and if the calculation requests are concentrated in specific time periods such as weekends, it is possible to infer the user's lifestyle, such as the time periods in which the user is active. It is also possible to obtain the user's location (area) information from the country code and area code assigned to the phone number x itself.

[0047] [Incoming phone number verification] Although the above describes an example in which it is determined whether or not to restrict the provision of a service based solely on the result of the calculation of the trustworthiness, it is also possible to combine the result of the calculation of the trustworthiness with incoming call authentication by telephone. 4 shows a flow in which an incoming call authentication process is added to the process flow shown in FIG. Here, we will explain the processing that is executed after step S3, in which the processing unit 1 identifies the user's telephone number x from the information input from the user terminal A and requests the calculation unit 3 of the center server C to calculate the credibility of this telephone number x.

[0048] In step S201, the processing unit 1 requests the incoming call authentication unit 5 to authenticate the user's telephone number x. In step S202, upon receiving the incoming call authentication request, the incoming call authentication unit 5 randomly selects one authentication telephone number y (for example, 050-yyyy-yyyy) from a plurality of authentication telephone numbers and issues it to the processing unit 1. In step S203, the incoming call authentication unit 5 stores the issued authentication telephone number y in association with the user's telephone number x. The authentication telephone number y is a telephone number for accessing the incoming call authentication unit 5. On the other hand, the processing unit 1 judges the credibility in step S7, and if the result is NG, displays the NG result on the user terminal A (step S8), and if OK, proceeds to step S204, instructs the incoming call authentication unit 5 to start authentication, and in step S205, displays the authentication phone number y on the user terminal A.

[0049] If a call is made from user terminal A (telephone number x) to authentication telephone number y (step S206) within a predetermined time from the instruction to start authentication in step S204, the incoming call authentication unit 5 performs incoming call authentication in step S207. Specifically, the incoming call authentication unit 5 determines whether the set of telephone number x of the calling user terminal A and the received authentication telephone number y matches the data stored in step S203. If the two match, the incoming call authentication unit 5 transmits a result of authentication OK to the processing unit 1 in step S208. In step S209, the processing unit 1 displays a message to user terminal A to proceed with providing the service.

[0050] Furthermore, if the set of the user's telephone number x and authentication telephone number y does not match the stored data in step S207, the incoming call authentication unit 5 sends an NG result (authentication not possible) to the processing unit 1 in step S210, and the processing unit 1 displays the NG result on the user terminal A in step S211. By combining this with incoming call authentication, it is possible to confirm the correspondence between the user and phone number x, and it is also possible to prevent user spoofing, etc. Therefore, it is possible to efficiently perform authentication with higher accuracy. In FIG. 4, the service management device B1 requests an incoming call authentication (S201) before determining the trustworthiness (S7). However, since the authentication by the incoming call authentication unit 5 is performed separately from the trustworthiness calculation by the calculation unit 3, the timing of the incoming call authentication request is not limited to the above.

[0051] In the above description, the processing unit 1 of a specific service management device B1 is referred to as a specific service management means, but all of the multiple service management devices B have the same functions. Therefore, when accessed by the user terminal A, any of the service management devices B functions in the same way as the service management device B1.

[0052] In addition, all of the suspicious telephone number lists 2 are managed individually by the service providers that provide the corresponding services, but when a telephone number is deleted from any of the suspicious telephone number lists 2, the other service providers may be notified of this. For example, when telephone number z is deleted from a specific black phone number list 2, the corresponding processing unit 1 notifies the calculation unit 3 of the center server C of this fact. Upon receiving this notification, the calculation unit 3 refers to the other black phone number lists 2 and identifies the black phone number lists 2 that include the above telephone number z. Then, it notifies the processing unit 1 corresponding to the identified black phone number list 2 that telephone number z has been deleted from the other black phone number list 2.

[0053] On the processor 1 side that has received the deletion information, the corresponding service provider can take that fact into consideration and revise the black phone number list 2 for the service of their own company. The Black Phone Number List 2 should contain the phone numbers of users who are considered black for the corresponding service. However, if a phone number is removed from the list, it means that for some reason the user is no longer considered black for the corresponding service. If the black information registered in your company's Black Phone Number List is the type that changes over time, you may decide to remove it from the Black Phone Number List 2 by referring to the removal information of other companies.

[0054] Alternatively, the number of times that the telephone number z has been deleted from the black phone number list 2 of another service may be counted, and this number may be used as the criterion for deleting the telephone number z from the black phone number list 2. In this way, it is possible to prevent a telephone number z that has been registered on the black telephone number list from being permanently unable to use the service. In this case, the calculation unit 3 of the center server C functions as the notification means of the present invention, but a separate notification means may be provided to simply notify that the telephone number has been deleted. [Industrial Applicability]

[0055] It is useful in a variety of situations where authentication is required. [Explanation of symbols]

[0056] A User terminal B, B1, Bn Service management device 1 (Service Management Means) Processing Unit 2,2´ List of suspicious phone numbers 3 (Credibility calculation means) calculation section 4. Reference phone number list 5 (Authentication means) Incoming authentication section C. Center Server

Claims

1. A list of suspicious phone numbers, which is created for each service and in which the telephone numbers of service users associated with suspicious information according to the standards of the service provider providing the service, are registered; a credit rating calculation means for calculating the credit rating of a specific telephone number based on the information in the blacklist and outputting the calculation result; A credit verification system having:

2. A service management means is provided for each of the above services, The specific phone number above is a telephone number transmitted from a specific service management means to the credit rating calculation means together with a credit rating calculation request, The credit rating calculation means transmits the calculation result to the service management means that is the sender of the calculation request. The credit verification system of claim 1 .

3. The service management means Based on the calculation result received from the credit rating calculation means, Equipped with a function to determine whether or not restrictions on the provision of services corresponding to the service management means are necessary The creditworthiness verification system according to claim 2 .

4. The service management means When it is determined that the service can be provided, the service user of the specified telephone number is notified of an authentication telephone number; and an authentication means for authenticating the service user when the service user calls the authentication telephone number using the specific telephone number of the service user. The creditworthiness verification system according to claim 3 .

5. The above list of suspicious phone numbers is grouped based on the type of service they provide. The credit rating calculation means When the calculation request is received, the trust level is calculated by referring to information on a list of suspicious telephone numbers included in the same group as the list of suspicious telephone numbers corresponding to the specific service management means that is the sender of the calculation request. The creditworthiness verification system according to claim 2 .

6. The credit rating calculation means The credibility is calculated using a formula that uses a plurality of parameters according to the suspicious telephone number list.

3. The creditworthiness confirmation system according to claim 1 or 2.

7. A reference telephone number list is provided in which suspicious telephone numbers extracted based on criteria other than those of the service provider are registered, and The credit rating calculation means calculates the credit rating of the specific telephone number by referring to the reference telephone number list. The credit verification system of claim 1 .

8. Among the multiple lists of suspicious phone numbers above, When a telephone number associated with the caution information is deleted from any of the caution telephone number lists, a notification means is provided for notifying a service management means that manages services corresponding to the caution telephone number lists other than the said list of caution telephone numbers that the telephone number has been deleted. The credit verification system of claim 1 .

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