Information processing method, information processing device, and information processing program

Abstract

Accurately assess the reliability of communication devices. [Solution] When a procedure is performed via the communication network 10, the telephone number and terminal-related information of the communication terminal 9 used in the procedure are acquired, and the trustworthiness of the communication terminal 9 is evaluated based on the actual history information of the telephone number and the terminal-related information of the communication terminal 9.

Description

Technical Field

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[0001] The present invention relates to an information processing method, an information processing apparatus, and an information processing program.

Background Art

[0002] As a conventional technique for determining whether a user of a mobile terminal is a legitimate user, a technique for performing user authentication by comparing a subject photographed by a camera unit at a predetermined timing with a previously registered authentication image is known (see Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Damage in financial institutions and the like is increasing due to unauthorized use of communication terminals such as mobile phones and smartphones. Therefore, in order to prevent procedures from being performed using an unauthorized communication terminal against financial institutions and the like, it is useful for the side receiving the procedure to be able to evaluate the credibility of the communication terminal used when various procedures are performed.

[0005] Therefore, in one aspect, an object of the present invention is to provide a technique capable of accurately evaluating the credibility of a communication terminal.

Means for Solving the Problems

[0006] To solve the above problems, the information processing method according to the present invention is a method executed by an information processing device, and may be configured to acquire the telephone number and terminal-related information of a communication terminal used in a procedure performed via a communication network, and to evaluate the trustworthiness of the communication terminal based on the actual history information of the telephone number and the terminal-related information of the communication terminal.

[0007] The information processing method according to the present invention is a method executed by an information processing device, and in the event of a procedure performed via a communication network, the device may acquire the telephone number of the communication terminal used for the procedure and the personal attribute information of the applicant performing the procedure, and evaluate the creditworthiness of the communication terminal based on the actual history information of the telephone number and the personal attribute information of the applicant.

[0008] The information processing method according to the present invention is a method executed by an information processing device, and in the event of a procedure performed via a communication network, the device may acquire terminal-related information of a communication terminal used for the procedure and personal attribute information of the applicant performing the procedure, and evaluate the creditworthiness of the communication terminal based on the terminal-related information of the communication terminal and the personal attribute information of the applicant.

[0009] Furthermore, the information processing device according to the present invention may include a receiving means for receiving input of a telephone number and terminal-related information of a communication terminal used in a procedure, which are acquired during a procedure performed via a communication network, and an evaluation means for evaluating the trustworthiness of the communication terminal based on the actual history information of the telephone number and the terminal-related information of the communication terminal.

[0010] The information processing device according to the present invention may include a receiving means for receiving input of a telephone number of a communication terminal used for a procedure, which is acquired during a procedure performed via a communication network, and personal attribute information of the applicant performing the procedure, and an evaluation means for evaluating the creditworthiness of the communication terminal based on actual history information of the telephone number and the personal attribute information of the applicant.

[0011] The information processing device according to the present invention may include a receiving means for receiving input of terminal-related information of a communication terminal used in a procedure, which is acquired during a procedure performed via a communication network, and personal attribute information of an applicant performing the procedure, and an evaluation means for evaluating the creditworthiness of the communication terminal based on the terminal-related information of the communication terminal and the personal attribute information of the applicant.

[0012] Furthermore, the information processing program according to the present invention may also cause the information processing device to perform the following: a process of receiving input of a telephone number and terminal-related information of a communication terminal used in a procedure, which is acquired when the procedure is performed via a communication network; and a process of evaluating the trustworthiness of the communication terminal based on the actual history information of the telephone number and the terminal-related information of the communication terminal.

[0013] The information processing program according to the present invention may be configured to cause an information processing device to perform the following: input of a telephone number of a communication terminal used for a procedure, which is obtained when the procedure is performed via a communication network, and personal attribute information of the applicant performing the procedure; and evaluation of the creditworthiness of the communication terminal based on the actual history information of the telephone number and the personal attribute information of the applicant.

[0014] The information processing program according to the present invention may be configured to cause an information processing device to perform the following: a process of receiving terminal-related information of a communication terminal used in a procedure, which is acquired during a procedure performed via a communication network, and personal attribute information of an applicant performing the procedure; and a process of evaluating the creditworthiness of the communication terminal based on the terminal-related information of the communication terminal and the personal attribute information of the applicant. [Effects of the Invention]

[0015] In one respect, the present invention makes it possible to accurately evaluate the reliability of a communication terminal. [Brief explanation of the drawing]

[0016] [Figure 1] This is a schematic diagram of the overall configuration of the credit support system in an embodiment of the present invention. [Figure 2] This block diagram shows the configuration of the credit support device and user terminal of the credit support system shown in Figure 1. [Figure 3] Figure 1 is a block diagram showing the configuration of the credit support device in the credit support system. [Figure 4] This is a block diagram showing the configuration of a user terminal according to another embodiment. [Modes for carrying out the invention]

[0017] Hereinafter, embodiments of the present invention will be described with reference to the attached drawings. In the embodiments described below, the case in which the information processing method according to the present invention is implemented in a credit support system will be used as an example.

[0018] In this invention, the user is a person who utilizes information regarding the trustworthiness of a communication terminal.

[0019] The user in the present invention may be, for example, a financial institution. Specifically, for example, it may be a financial institution that accepts applications for account opening, loan applications, applications for using Internet banking, etc. (specifically, the person in charge of accepting application procedures in a financial institution).

[0020] In this embodiment, a case where the creditworthiness of the communication terminal 9 is evaluated and the evaluation result is provided to the user will be described as an example.

[0021] (Overall Configuration) FIG. 1 is a schematic diagram of the overall configuration of a credit support system 100 to which a credit support method according to an embodiment is applied, as an example of a specific configuration mode of an information processing method according to the present invention.

[0022] The credit support system 100 in the embodiment includes a credit support device 1 and a user terminal 2. The number of user terminals 2 constituting the credit support system 100 may be one or a plurality. That is, a plurality of user terminals 2 may jointly use one credit support device 1. Note that the credit support device 1 may also have the role and function of the user terminal 2, or the user terminal 2 may also have the role and function of the credit support device 1, so that the credit support device 1 and the user terminal 2 may be integrally configured.

[0023] The credit support device 1 is connected so as to be able to communicate with the user terminal 2 via a communication network 10 including at least one of, for example, wired communication and wireless communication.

[0024] The credit support device 1 may be managed and operated by, for example, a service provider that provides information regarding the creditworthiness of communication terminals via the communication network 10, or may be managed and operated by an organization jointly operated by a plurality of users, or may be managed and operated by a financial institution.

[0025] <The communication network 10 is a communication network for performing communications, including the transmission and reception of data signals, and is composed of a communication network that includes at least one of the following: the Internet, an intranet, a WAN (Wide Area Network), a Wireless WAN (Wireless WAN), a LAN (Local Area Network), a Wireless LAN (Wireless LAN), and a Virtual Private Network (VPN).

[0026] The communication terminal 9 is a communication device that is assigned a telephone number (in other words, has telephone communication capabilities). The communication terminal 9 is connected to the communication network 10 so that it can communicate. Specifically, the communication terminal 9 may be, for example, a mobile phone or a smartphone. In addition, a predetermined or dedicated application used when using the credit support system may be installed on the communication terminal 9.

[0027] The credit support device 1 includes evaluation rules and evaluation models for evaluating the creditworthiness of the communication terminal 9. When the credit support device 1 receives an input request for creditworthiness evaluation from the user terminal 2, it evaluates the creditworthiness of the communication terminal 9 using the evaluation rules or evaluation model and provides the evaluation results to the user terminal 2.

[0028] User terminal 2 is used when a user requests an evaluation of the creditworthiness of communication terminal 9 or receives the evaluation results. Specifically, user terminal 2 receives the user's input for a creditworthiness evaluation request and transmits it to the credit support device 1 via the communication network 10, and also receives and outputs (specifically, for example, displays on a screen) the creditworthiness evaluation results provided by the credit support device 1.

[0029] User terminal 2 has an application (referred to as the "credit rating app") installed that is used when requesting a credit rating or receiving the rating results. The user launches the credit rating app when starting to request a credit rating or receive the rating results, and closes the credit rating app when the request for a credit rating or receiving the rating results is complete.

[0030] Alternatively, the credit support device 1 may be configured to provide a web service, and the user terminal 2 may access the web service via the communication network 10 to request a credit rating evaluation and receive the evaluation results (specifically, output and display) on a browser.

[0031] The credit support device 1 and the user terminal 2 each have a control unit 4, a storage unit 5, a communication unit 6, an input unit 7, and an output unit 8, as shown in Figure 2.

[0032] The control unit 4 is configured to include a processor such as a CPU (Central Processing Unit) that performs calculations.

[0033] The storage unit 5 is configured to include a storage device such as memory for storing data.

[0034] The storage unit 5 may be configured to include, for example, volatile memory such as RAM (Random Access Memory) that provides a working area (memory) and non-volatile memory such as ROM (Read Only Memory) that provides a storage area (storage). The storage unit 5 may also be configured to include auxiliary storage devices such as HDD (Hard Disk Drive) or SSD (Solid State Drive) that provide storage areas (storage), as needed.

[0035] The communication unit 6 is configured to include a communication interface / network interface that performs at least one of wired communication and wireless communication, and is connected to the communication network 10 so as to be able to communicate with it. The communication interface / network interface constituting the communication unit 6 has at least the function of sending and receiving data signals with other external devices via the communication network 10 (i.e., a communication processing function).

[0036] The input unit 7 is configured to include an input device that accepts input operations. The input device that makes up the input unit 7 may be, for example, a keyboard, a mouse, a touch panel, a microphone, or the like.

[0037] The output unit 8 includes an output device that displays and outputs the content of input operations performed via the input unit 7 and various other information. The output device constituting the output unit 8 may be, for example, a display, a speaker, or an audio jack. The output unit 8 may also include an interface for outputting print data to a printer (not shown).

[0038] The credit support device 1 may be composed of, for example, a server computer or a desktop PC.

[0039] User terminal 2 may consist of, for example, a desktop computer, a laptop computer, a notebook computer, or a tablet device.

[0040] (Credit support device) Figure 3 is a block diagram showing the configuration of a credit support device 1 according to an embodiment, which is an example of a specific configuration of the information processing device according to the present invention.

[0041] The credit support device 1 includes a control unit 4A, a storage unit 5A, a communication unit 6A, an input unit 7A, and an output unit 8A (the control unit 4A, storage unit 5A, communication unit 6A, input unit 7A, and output unit 8A correspond to the control unit 4, storage unit 5, communication unit 6, input unit 7, and output unit 8 described above, respectively). Specifically, the credit support device 1 may be composed of, for example, a server computer or desktop PC including a CPU (in other words, a processor) and memory.

[0042] The memory unit 5A stores a credit support program 51 (corresponding to the information processing program according to the present invention), which is a computer program that is read by the control unit 4A, including the CPU (processor), and executed to realize various control processes for the overall operation of the credit support device 1 and each function of the control unit 4A. When the credit support program 51 stored in the memory unit 5A is executed by the control unit 4A, including the CPU (processor), the server computer or desktop PC operates and the functions of the credit support device 1 are realized.

[0043] When the credit support program 51 is executed in the control unit 4A, the control unit 4A is configured to include a reception unit 41 (corresponding to the reception means of the information processing device according to the present invention), an acquisition unit 42 (corresponding to the acquisition means of the information processing device according to the present invention), an evaluation unit 43 (corresponding to the evaluation means of the information processing device according to the present invention), and a presentation unit 44 (corresponding to the presentation means of the information processing device according to the present invention).

[0044] The memory unit 5A also stores and stores the history database 52 and the device database 53.

[0045] The history database 52 records and stores information regarding the history of each telephone number, specifically the history of whether the number is real or not in chronological order (referred to as "real history information").

[0046] The telephone number existence history information may specifically be information regarding the determination of whether a telephone number is real or missing, for example, on a monthly basis in chronological order. Alternatively, the telephone number existence history information may be the continuous period of existence for each telephone number up to the time when the trustworthiness of the communication terminal 9 is evaluated.

[0047] The history database 52 records and stores data that is a combination of a telephone number and the actual history information of that telephone number. When a telephone number is specified to the history database 52, the actual history information for that telephone number can be identified.

[0048] The actual history information of a telephone number may be data compiled by determining, for example, the existence / absence of the receiving end's communication device (and consequently, the existence / absence of the telephone number in question) based on the response from the receiving end when the telephone number is actually dialed.

[0049] The history database 52 records and stores information regarding the determination of whether a phone number exists or not, for multiple (or rather, numerous) phone numbers, in chronological order (for example, by month).

[0050] The device database 53 records and stores information (referred to as "attribute specification information") regarding the attributes and specifications of the communication device (communication terminal 9) to which each telephone number is assigned.

[0051] Specifically, the attribute specification information for the communication device may be at least one of the following for each telephone number: for example, the operating system (OS) and the model.

[0052] The device database 53 records and stores data that combines telephone numbers and attribute specification information of the communication device to which that telephone number is assigned. When a telephone number is specified to the device database 53, the attribute specification information of the communication device to which that telephone number is assigned can be identified.

[0053] The user terminal 2 includes a control unit 4B, a storage unit 5B, a communication unit 6B, an input unit 7B, and an output unit 8B (the control unit 4B, storage unit 5B, communication unit 6B, input unit 7B, and output unit 8B correspond to the control unit 4, storage unit 5, communication unit 6, input unit 7, and output unit 8 described above, respectively). Specifically, the user terminal 2 may consist of, for example, a desktop computer including a CPU (in other words, a processor) and memory, a laptop computer, a notebook computer, or a tablet terminal.

[0054] (Processing details) The credit support method according to this embodiment acquires the telephone number and device identification information of the communication terminal 9 used in a procedure performed via the communication network 10, and evaluates the creditworthiness of the communication terminal 9 based on the actual history information of the telephone number and the device identification information of the communication terminal 9.

[0055] In the credit support system 100, when an application for opening an account, applying for a loan, or applying to use internet banking is made in connection with a service provided by a user (for example, a financial institution), the creditworthiness of the communication terminal 9 used when these various applications are made is evaluated.

[0056] Specifically, first, the applicant initiates the application process (referred to as the "application process") to a user (for example, a financial institution) for various services such as opening an account, obtaining a loan, and using internet banking (Step S1).

[0057] In this process, the applicant operates the communication terminal 9 to access a site managed and operated by the user (referred to as the "application acceptance site"; not shown in the diagram) via the communication network 10. In other words, the application procedure request is sent to the application acceptance site.

[0058] The storage unit 91 of the communication terminal 9 stores device identification information, for example, that identifies at least one of the following: the manufacturer and model of the communication terminal 9.

[0059] The device identification information may be, for example, one of the following: IMEI (International Mobile Equipment Identity), IMEI-SV (Software Version), and TAC (Type Approval Certificate). The device identification information is pre-stored in the memory unit 91 of the communication terminal 9 and cannot be freely changed by the user.

[0060] Therefore, the communication terminal 9 in the present invention is a communication device to which device identification information corresponding to one of IMEI, IMEI-SV, and TAC (Type Approval Certificate) is pre-associated, and which cannot be freely changed by the user.

[0061] The IMEI consists of a 14-digit identification number plus a single-digit check digit at the end, and specifically includes the following information: 1-6 digits: TAC (Type Allocation Code); a unique number for the manufacturer and model. 7-8 digits: FAC (Final Assembly Code); a number indicating the country of origin. 9-14 digits: SNR (Serial Number); Serial Number 15 digits: Check Digit;

[0062] Based on the IMEI, the operating system (OS) installed on the communication terminal 9 can be identified. The operating system (OS) may be inferred based on at least one of the following: IMEI (International Mobile Equipment Identity), IMEI-SV (Software Version), and TAC (Type Approval Certificate), or it may be identified or estimated from other data or information.

[0063] IMEI-SV includes information such as the IMEI number, as well as the software version number (specifically, the communication protocol version and firmware version).

[0064] When an applicant who applies for a service provided by a user (for example, a financial institution) operates the communication terminal 9 to access the application acceptance site and receives an application procedure request sent from the communication terminal 9, the user obtains device identification information (specifically, for example, IMEI) that is pre-associated with the communication terminal 9 that sent the application procedure request. The device identification information may be obtained using, for example, an application installed on the communication terminal 9 (for example, a predetermined or dedicated application used when using a credit support system).

[0065] The user also obtains the phone number of the communication terminal 9 used for the application process by accessing the application acceptance site and inquiring with the applicant for the phone number of the communication terminal 9 used for the application process (specifically, for example, by having the user enter / write in the phone number of the communication terminal used for the application process when accessing the application acceptance site and completing the application process). If the phone number of the applicant has already been registered (in other words, already known) in a previous transaction or other transaction, the already registered / known phone number may be used.

[0066] As described above, the user obtains the information in item 1 below, as well as at least one of the information in items 2 through 5 below, with respect to the communication terminal 9 used for the application procedure. 1) Phone number 2) TAC (Type Allocation Code) (Specifically, manufacturer and model) 3) Operating System (OS) (including version) 4) Model 5) Serial number

[0067] The method for obtaining the information described in items 1 through 5 above is as follows: 1) Phone number This information is obtained during the application process. Alternatively, a phone number that is already registered or known will be used.

[0068] 2) TAC (Type Allocation Code) It is obtained from one of the following: IMEI, IMEI-SV, or TAC (Type Approval Certificate). Specifically, at least one of the following is obtained from the TAC (Type Allocation Code): manufacturer and model.

[0069] 3) Operating System (OS) (including version) Inferred based on at least one of the following: IMEI (International Mobile Equipment Identity), IMEI-SV (Software Version), and TAC (Type Approval Certificate). Alternatively, identified or estimated from other data or information.

[0070] 4) Model Obtain one of the following: IMEI, IMEI-SV, or TAC (Type Approval Certificate).

[0071] 5) Serial number Obtain one of the following: IMEI, IMEI-SV, or TAC (Type Approval Certificate).

[0072] Information regarding the communication terminal 9, obtained by the user during the application process, is entered into the user terminal 2 (step S2). A credit rating application is pre-launched on the user terminal 2, and the input of information regarding the communication terminal 9 into the user terminal 2 corresponds to a request for a credit rating evaluation.

[0073] Information regarding the communication terminal 9 may be manually entered into the user terminal 2 via the input section 7B of the user terminal 2. Alternatively, information regarding the communication terminal 9 may be automatically entered into the user terminal 2 via the communication network 10 and the communication section 6B of the user terminal 2 from a mechanism providing an application acceptance site managed and operated by the user to accept application procedures.

[0074] When user terminal 2 receives information about communication terminal 9, it outputs the information about communication terminal 9 to credit support device 1 (specifically, it transmits it to credit support device 1 via the communication unit 6B of user terminal 2 and the communication network 10) (step S3).

[0075] The credit support device 1 receives information about the communication terminal 9 transmitted from the user terminal 2 via the communication unit 6A and transmits the received information to the reception unit 41 of the control unit 4A.

[0076] When information regarding the communication terminal 9 is transmitted, the reception unit 41 identifies the telephone number included in the information (step S4).

[0077] The reception unit 41 then transmits the identified telephone number to the acquisition unit 42.

[0078] The reception unit 41 also records information about the transmitted communication terminal 9 in the device database 53 stored in the storage unit 5A as combined data of the telephone number, information corresponding to the device identification information (e.g., TAC (Type Allocation Code), operating system, model, serial number), and the date on which the information was transmitted. The information corresponding to the device identification information is recorded as attribute specification information. Furthermore, if the telephone numbers are the same, multiple pieces of device identification information (attribute specification information) for the communication terminal 9 to which that telephone number is assigned are recorded and stored in the device database 53 in chronological order.

[0079] In the present invention, the information used as device identification information in association with a telephone number, in other words, the attribute specification information associated with a telephone number in the present invention may be at least one of the following: TAC (Type Allocation Code), operating system (OS) (including version), model, and serial number. Therefore, the device identification information (attribute specification information) recorded and stored in the device database 53 as combined data with a telephone number is at least one of the following: TAC (Type Allocation Code), operating system (OS) (including version), model, and serial number.

[0080] When a telephone number is transmitted, the acquisition unit 42 refers to the history database 52 stored in the storage unit 5A and acquires (specifically reads) information regarding the history of existing or missing telephone numbers in chronological order for the transmitted telephone number (i.e., actual history information) (step S5).

[0081] The acquisition unit 42 also refers to the device database 53 stored in the storage unit 5A and acquires (specifically reads) information regarding the attributes and specifications of the communication device (communication terminal 9) to which the transmitted telephone number has been assigned (i.e., attribute specification information) (step S6).

[0082] The acquisition unit 42 then transmits the acquired real-world history information and the attribute specification information of the communication device (communication terminal 9) to the evaluation unit 43.

[0083] When the actual history information and attribute specification information are transmitted, the evaluation unit 43 evaluates the trustworthiness of the communication terminal 9 based on the transmitted actual history information and attribute specification information (step S7).

[0084] The evaluation unit 43 may, for example, evaluate the trustworthiness of the communication terminal 9 based on the actual history information and attribute specification information in accordance with predetermined evaluation rules. The evaluation rules for evaluating the trustworthiness of the communication terminal 9 are not limited to specific content or rules, but may include the following content and rules as an example.

[0085] a) Evaluation rules regarding the relationship between the actual period of existence of a telephone number (y years) and the generation of the phone model. For example, if a phone number has existed for y years (for example, y is an integer less than or equal to 2) and the device is from n generations ago (for example, n is an integer greater than or equal to 3), the reliability of the communication device is low because it is unnatural for the phone number to have existed relatively recently while the device is considerably old.

[0086] (i) Evaluation rules regarding the relationship between the actual period of existence of a telephone number (y years) and whether or not the model was downgraded. For example, if a phone number has existed for y years (for example, y is an integer greater than or equal to 3), and the device has been downgraded, the reliability of the communication terminal is low because it is unnatural for the device to be downgraded while the phone number has existed for a relatively long period. Whether or not the device has been downgraded is determined based on the device information already obtained and registered for the phone number in previous transactions, and the device information newly obtained for the phone number in question. In addition, a table / database is prepared in advance that classifies each commonly used device by grade.

[0087] (c) Evaluation rules regarding the relationship between the period of existence of a telephone number (y years) and whether or not the operating system (OS) was downgraded. For example, if a phone number has existed for y years (for instance, y is an integer greater than or equal to 3), and the operating system (OS) has been downgraded, the reliability of the communication terminal is low because it is unnatural for the operating system to be downgraded while the phone number has existed for a relatively long period.

[0088] E) Evaluation rules regarding the relationship between the actual period of existence of a telephone number (y years) and the model of the phone. For example, if a phone number has existed for y years (for example, y is an integer greater than or equal to 3), but the phone model has been changed to one that is not sold domestically, the reliability of the communication device is low because it is unnatural for the phone number to have existed for a relatively long period while the phone model has been changed to one that is not sold domestically.

[0089] (e) Evaluation rules regarding the relationship between the actual existence period of a telephone number (y years) and the generation of the operating system (OS). For example, if a phone number has existed for y years (for instance, y is an integer less than or equal to 2), and the operating system (OS) is from a generation for which support has already been discontinued, the reliability of the communication terminal is low because it is unnatural for the phone number to have existed relatively recently while the operating system (OS) is considerably old.

[0090] (c) Evaluation rules regarding the relationship between the timing of changing telecommunications carriers and the timing of changing device models For example, if there is a discrepancy between the timing of a change in telecommunications carriers (or, in other words, carriers) and the timing of a change in device model, it is unnatural for the device model not to have changed when the carrier changed, and therefore the reliability of the communication device is low. The timing of a change in telecommunications carriers is determined based on the information of the telecommunications carrier regarding the phone number in question, which is obtained through regular checks. The timing of a change in device model is determined based on the information of the device model already acquired and registered for the applicant in previous transactions, etc., and the information of the device model newly acquired for the applicant.

[0091] Furthermore, the telecommunications carrier may be identified by telephone number or by device identification information. When identifying the telecommunications carrier by telephone number, the carrier for that telephone number is specifically identified based on the telecommunications number assignment status published by the Ministry of Internal Affairs and Communications. In addition, if the applicant can determine the telecommunications carrier by receiving a signal unique to each carrier when accessing the application acceptance site by operating the communication terminal 9, the telecommunications carrier is identified based on that signal.

[0092] K) Evaluation rules regarding the relationship between phone numbers and device model numbers / Part 1 For example, if multiple application procedures using the same phone number with different TACs (Type Allocation Codes) are performed within m months (for example, m is an integer less than or equal to 4), the reliability of the communication terminal is low because it is unnatural for the same phone number to have different TACs within a relatively short period of time.

[0093] C) Evaluation rules regarding the relationship between phone numbers and device model numbers / Part 2 For example, if multiple applications are made using the same TAC (Type Allocation Code) with different phone numbers within a period of m months (for example, m is an integer less than or equal to 4), the reliability of the communication terminal is low because it is unnatural for the same TAC (Type Allocation Code) to be used with different phone numbers within a relatively short period.

[0094] Alternatively, the evaluation unit 43 may evaluate the trustworthiness of the communication terminal 9 using an evaluation model for evaluating the trustworthiness of the communication terminal 9 based on actual history information and attribute specification information.

[0095] In this case, the evaluation model may be a trained model generated by supervised machine learning based on, for example, real history information, attribute specification information, and the trustworthiness of the communication terminal, so as to show the relationship between real history information, attribute specification information, and the trustworthiness of the communication terminal.

[0096] The evaluation model may be a trained model generated by supervised machine learning that outputs the trustworthiness of a communication terminal when data (variable values) corresponding to predetermined items equivalent to real-world history information and attribute specification information are input. In this case, machine learning may be performed using data (variable values) corresponding to predetermined items equivalent to real-world history information and attribute specification information with and without the trustworthiness of the communication terminal as training data. Alternatively, the evaluation model may output a score as the trustworthiness of the communication terminal. In this case, machine learning may be performed using data (variable values) corresponding to predetermined items equivalent to real-world history information and attribute specification information for each score of trustworthiness of the communication terminal as training data.

[0097] The evaluation rules described above for evaluating the trustworthiness of the communication terminal 9 may be used as training data or information for machine learning.

[0098] The evaluation unit 43 then evaluates the trustworthiness of the communication terminal 9 based on the actual history information and attribute specification information transmitted from the acquisition unit 42, and transmits the evaluation result to the presentation unit 44.

[0099] When the display unit 44 receives the evaluation result of the trustworthiness of the communication terminal 9, it outputs the transmitted evaluation result to the user terminal 2 (specifically, it sends it to the user terminal 2 via the communication unit 6A and the communication network 10) (step S8).

[0100] User terminal 2 receives the creditworthiness evaluation result of communication terminal 9 transmitted from credit support device 1 via communication unit 6B, and outputs the received evaluation result to output unit 8B (for example, by displaying it on a monitor or printing it from a printer) (step S9).

[0101] With the above steps completed, the evaluation of the trustworthiness of the communication terminal 9 based on the information about the communication terminal 9 input to the user terminal 2 is finished (END).

[0102] (Other forms 1) The creditworthiness of the communication terminal 9 used when the application procedure is carried out may be evaluated in a manner that takes into account the attributes of the applicant performing the application procedure.

[0103] In this case, the credit support system 100 may be configured to include the credit support device 1 and the user terminal 2, as described above. Alternatively, as shown in Figure 4, the user terminal 2 may be configured in the same way as the credit support device 1 described above. That is, the credit support device 1 may be omitted, and the creditworthiness of the communication terminal 9 may be evaluated solely by the user terminal 2.

[0104] Specifically, when the credit support program 51 is executed in the control unit 4B of the user terminal 2, the control unit 4B is configured with a reception unit 41 (corresponding to the reception means of the information processing device according to the present invention), an acquisition unit 42 (corresponding to the acquisition means of the information processing device according to the present invention), an evaluation unit 43 (corresponding to the evaluation means of the information processing device according to the present invention), and a presentation unit 44 (corresponding to the presentation means of the information processing device according to the present invention).

[0105] Furthermore, in addition to the history database 52 and the device database 53, an attribute database 54 is stored in the storage unit 5B of the user terminal 2. Depending on the content of the evaluation rules and evaluation model for evaluating the trustworthiness of the communication terminal 9, only one of the history database 52 or the device database 53 may be used.

[0106] The attribute database 54 records and stores information about the applicant's attributes (referred to as "personal attribute information") obtained by querying the applicant during the application process (corresponding to step S1 above) (specifically, for example, by having the applicant enter / fill in information when accessing the application acceptance site and completing the application process).

[0107] The applicant's personal attribute information may specifically include, for example, age and residence card information for each applicant. The applicant's personal attribute information may also include information related to past (other) application procedures or transactions of the applicant. For example, the applicant's personal attribute information may include the type of procedure and the telephone number of the communication device used in past application procedures by the applicant.

[0108] The attribute database 54 records and stores data combining telephone numbers and personal attribute information of the user of the communication device (communication terminal 9) to which that telephone number is assigned (i.e., the applicant performing the application procedure). When a telephone number is specified to the attribute database 54, the personal attribute information of the user of the communication terminal 9 to which that telephone number is assigned (i.e., the applicant performing the application procedure) can be identified.

[0109] Then, when a telephone number is transmitted, the acquisition unit 42 of the control unit 4B of the user terminal 2 refers to the attribute database 54 stored in the storage unit 5B, acquires (specifically reads) personal attribute information about the user of the communication device (communication terminal 9) to which the transmitted telephone number is assigned, and transmits the acquired personal attribute information to the evaluation unit 43 (corresponding to steps S5 and S6 above). In addition, at least one of the actual history information and attribute specification information is also transmitted, similar to steps S5 and S6 above.

[0110] Furthermore, the evaluation unit 43 (corresponding to step S7 above) evaluates the trustworthiness of the communication terminal 9 based on at least one of the actual history information and attribute specification information and the personal attribute information, in accordance with predetermined evaluation rules. In this case, the evaluation rules for evaluating the trustworthiness of the communication terminal 9 are not limited to specific content or rules, but in addition to the content and rules described above for evaluating the trustworthiness of the communication terminal 9, the following content and rules may be included as an example.

[0111] (c) Evaluation rules regarding the relationship between the applicant's age (a years) and the period of existence of the telephone number (y years) / Part 1 For example, if the applicant is age 'a' and the phone number has existed for more than 'a' years, the phone number's existence period is unnatural because it exceeds the age of the user of the communication device, thus indicating low reliability of the communication device.

[0112] C) Evaluation rules regarding the relationship between the applicant's age (a years old) and the period of existence of the telephone number (y years) / Part 2 For example, if the applicant's age is 'a' years old (for example, 'a' is an integer between 30 and 60) and the phone number has existed for 'y' years (for example, 'y' is an integer less than or equal to 5), the reliability of the communication device is low because the period of existence is short compared to the applicant's age.

[0113] (S) Evaluation rules regarding the relationship between the information on the residence card and the actual period of existence of the telephone number (y years). For example, if the period of the telephone number's existence (year y) is longer than the period from the date the residence card was issued to the time the application was submitted, there is a contradiction between the date the residence card was issued and the actual period of existence, which is unnatural, and therefore the reliability of the communication device is low.

[0114] (c) Evaluation rules regarding the relationship between the actual period of existence of a telephone number (y years) and whether or not the telecommunications carrier has changed. For example, if a phone number has existed for y years (for example, y is an integer greater than or equal to 10), and the user has changed carriers within m months (for example, m is an integer less than or equal to 6), the reliability of the communication device is low because it is unnatural that the user changed carriers relatively recently despite the relatively long period of existence.

[0115] (S) Evaluation rules regarding the relationship between information related to other transactions and the period of existence of a telephone number. For example, if a phone number used when an account that still exists was opened becomes unavailable, but the communication terminal associated with that phone number is used for a new application process, this is an unusual way to use the terminal, and therefore the reliability of the terminal is low.

[0116] Alternatively, the evaluation unit 43 may evaluate the trustworthiness of the communication terminal 9 using an evaluation model for evaluating the trustworthiness of the communication terminal 9 based on at least one of the actual history information and attribute specification information and personal attribute information.

[0117] In this case, the evaluation model may be a trained model generated by supervised machine learning based on, for example, at least one of the actual history information and attribute specification information, as well as personal attribute information and the trustworthiness of the communication terminal, to show the relationship between at least one of the actual history information and attribute specification information, as well as personal attribute information and the trustworthiness of the communication terminal.

[0118] The evaluation unit 43 then evaluates the trustworthiness of the communication terminal 9 based on at least one of the actual history information and attribute specification information transmitted from the acquisition unit 42, along with the personal attribute information, and transmits the evaluation result to the presentation unit 44. Subsequent processing is the same as in steps S8 and S9 described above.

[0119] (Other forms 2) The functions related to evaluating the creditworthiness of the communication terminal 9 described above (specifically, functions implemented by the control unit 4A of the credit support device 1, or functions implemented by the control unit 4B of the user terminal 2; in other words, functions implemented by the execution of the credit support program 51) may be provided as an API (Application Programming Interface) via the communication network 10.

[0120] (Other forms 3) The evaluation of the trustworthiness of the communication terminal 9 used when the application procedure is carried out may be performed by considering information related to the communication terminal 9 and information related to the communication performed using the communication terminal 9 (these pieces of information are collectively referred to as "communication terminal information"), instead of the device identification information (attribute specification information) corresponding to one of the IMEI, IMEI-SV, and TAC (Type Approval Certificate) related to the communication terminal 9 in the above embodiment.

[0121] In this case, in addition to the history database 52 and the device database 53, the storage unit 5A of the credit support device 1 stores a database (referred to as the "terminal information database"; not shown in the figure) in which communication terminal information is recorded and accumulated. Depending on the content of the evaluation rules and evaluation model for evaluating the creditworthiness of the communication terminal 9, only one of the history database 52 or the device database 53 may be used.

[0122] The communication terminal information may specifically be at least one of the following items 6 to 12 relating to the communication terminal 9 used in the application procedure. 6) User Agent 7) IP (Internet Protocol) address 8) IP Address Country 9) Language 10) Screen resolution 11) Time Zone 12)ISP(Internet Service Provider)

[0123] The user agent is obtained as text information. For example, the user agent can be obtained by accessing the HTTP request header using a programming language such as PHP, via an approach from the user terminal 2 side. The operating system (OS) may also be identified from the user agent.

[0124] An IP address is a unique identifier used for communication over the internet. An IP address can be obtained, for example, by accessing the HTTP request header using a programming language such as PHP, via an approach on the user terminal 2 side. Alternatively, the IP address may be obtained using a script (e.g., PHP or Java) on the credit support device 1 side.

[0125] An IP address country may use IP geolocation technology to estimate and determine which country an IP address belongs to based on that IP address. An IP address country may also use information from the Regional Internet Registry (RIR) or commercial sites to estimate and determine the country from an IP address.

[0126] The language is the type of language set for the communication terminal 9. Specifically, the language type may be obtained by referring to the contents of the "Accept-Language" field included in the HTTP request header. Alternatively, the language may be estimated and determined by obtaining browser information of the communication terminal 9 using JavaScript or similar methods.

[0127] The screen resolution is the screen resolution of the communication terminal 9. The screen resolution may be estimated and determined by obtaining browser information of the communication terminal 9 using JavaScript or similar methods.

[0128] The time zone is the type of time zone set for the communication terminal 9. The time zone may be obtained as information about the communication terminal 9 using JavaScript or similar methods.

[0129] The ISP is the type of ISP configured for the communication terminal 9. The ISP may be obtained using the IP geographic information database, the IP geolocation API, or DNS reverse lookup (reverse lookup of the ISP).

[0130] Communication terminal information is obtained by at least one of the following approaches: a programming approach on the credit support device 1 side and an approach on the user terminal 2 side.

[0131] The programming approach on the credit support device 1 side uses a program executed on the credit support device 1. When an applicant who applies for a service provided by a user (for example, a financial institution) operates a communication terminal 9 to access the application acceptance site and receives an application procedure request sent from the communication terminal 9, the user obtains communication terminal information about the communication terminal 9 that sent the application procedure request. In the programming approach on the credit support device 1 side, items 6 to 12 above are obtained.

[0132] The approach on the user terminal 2 side involves embedding a tag (specifically, a Google Analytics tracking code, for example) on the application site for a service provided by the user (e.g., a financial institution), and obtaining communication terminal information about the communication terminal 9 when an applicant accesses the application site by operating the communication terminal 9. The user terminal 2 side approach can obtain items 6 through 12 described above.

[0133] The terminal information database records and stores communication terminal information for each telephone number, specifically for the communication device (communication terminal 9) to which that telephone number is assigned.

[0134] The terminal information database records and stores data that combines telephone numbers with the communication terminal information of the communication device to which that telephone number is assigned. When a telephone number is specified to the terminal information database, the communication terminal information for the communication device to which that telephone number is assigned can be identified.

[0135] Then, when a telephone number is transmitted, the acquisition unit 42 of the control unit 4A of the credit support device 1 refers to the terminal information database stored in the storage unit 5A, acquires (specifically reads) communication terminal information about the communication device (communication terminal 9) to which the transmitted telephone number is assigned, and transmits the acquired communication terminal information to the evaluation unit 43 (corresponding to steps S5 and S6 above). At least one of the actual history information and personal attribute information is also transmitted.

[0136] Then, the evaluation unit 43 (corresponding to step S7 above) evaluates the creditworthiness of the communication terminal 9 based on at least one of the actual history information and personal attribute information and the communication terminal information, in accordance with predetermined evaluation rules. In this case, the evaluation rules for evaluating the creditworthiness of the communication terminal 9 are not limited to specific content or rules, but may include the following content and rules as an example.

[0137] (t) Evaluation rules regarding the relationship between IP address country and language For example, if the IP address country is foreign country F (i.e., the access is from foreign country F) and the language type set for the communication terminal is a language from a country other than foreign country F, it is unnatural for the location of the communication terminal and the country of the language not to match, so the reliability of the communication terminal is low.

[0138] C) Evaluation rules regarding the relationship between information about communication terminals and the telephone numbers of communication terminals / Part 1 For example, if items 6 through 12 above for a newly acquired communication terminal are the same as those previously acquired, but the newly acquired telephone number is different from the previously acquired telephone number, the reliability of the communication terminal is low because it is unnatural for only the telephone number to be different.

[0139] (T) Evaluation rules regarding the relationship between information about communication terminals and the telephone numbers of communication terminals / Part 2 For example, if a newly acquired phone number is the same as a previously acquired phone number, but the above items 6 through 12 regarding the newly acquired communication terminal are different from those of the previously acquired terminal, it is unnatural for the same phone number to have different items 6 through 12, and therefore the reliability of the communication terminal is low.

[0140] (Te) Evaluation rules regarding the relationship between information about communication terminals and the telephone numbers of communication terminals / Part 3 For example, if, based on points 6 through 12 above, it is presumed and determined that the access is from a mobile device, but the telephone number is a landline number, the characteristics of the device and the format of the telephone number do not match and are unnatural, so the reliability of the communication device is low.

[0141] Alternatively, the evaluation unit 43 may evaluate the trustworthiness of the communication terminal 9 using an evaluation model for evaluating the trustworthiness of the communication terminal 9 based on at least one of the actual history information and personal attribute information and the communication terminal information.

[0142] In this case, the evaluation model may be a trained model generated by supervised machine learning based on, for example, at least one of the real history information and personal attribute information, as well as communication terminal information and the trustworthiness of the communication terminal, to show the relationship between at least one of the real history information and personal attribute information, as well as communication terminal information and the trustworthiness of the communication terminal.

[0143] The evaluation unit 43 then evaluates the trustworthiness of the communication terminal 9 based on at least one of the actual history information and personal attribute information transmitted from the acquisition unit 42 and the communication terminal information, and transmits the evaluation result to the presentation unit 44. Subsequent processing is the same as in steps S8 and S9 described above.

[0144] (Device identification information (attribute specification information) + communication terminal information = terminal-related information) The evaluation of the trustworthiness of the communication terminal 9 used when the application procedure is carried out may be performed by considering at least one of the following: device identification information (attribute specification information) corresponding to one of the IMEI, IMEI-SV, and TAC (Type Approval Certificate) related to the communication terminal 9 in the above embodiment, and information related to the communication terminal 9 or information related to the communication carried out using the communication terminal 9 (i.e., communication terminal information).

[0145] When device identification information (attribute specification information) or communication terminal information for the communication terminal 9 is used, at least one of the device identification information (attribute specification information) or communication terminal information may be used, and specifically, at least one of the following 2 to 12 may be used. At least one of the following 2 to 12 is referred to as "terminal-related information". 2) TAC (Type Allocation Code) (Specifically, manufacturer and model) 3) Operating System (OS) (including version) 4) Model 5) Serial number 6) User Agent 7) IP (Internet Protocol) address 8) IP Address Country 9) Language 10) Screen resolution 11) Time Zone 12)ISP(Internet Service Provider)

[0146] Based on the above, the present invention evaluates the creditworthiness of the communication terminal 9 based on at least two of the following pieces of information: actual history information about the telephone number of the communication terminal 9, terminal-related information about the communication terminal 9, and personal attribute information of the applicant who operates the communication terminal 9.

[0147] (Effects and Benefits) According to the credit support device 1 of the embodiment, when an application procedure is performed via the communication network 10, the device acquires the telephone number and device identification information of the communication terminal 9 used in the application procedure, as well as the personal attribute information of the applicant performing the application procedure. Based on the actual history information of the telephone number, the attribute specification information of the communication terminal 9, and the personal attribute information of the applicant, the device evaluates the creditworthiness of the communication terminal 9. This makes it possible to accurately evaluate the creditworthiness of the communication terminal 9 and provide useful information for credit decisions.

[0148] Although embodiments of the present invention have been described above, the specific configurations of the present invention are not limited to the embodiments described above. The present invention also includes forms in which modifications and changes are made to the above embodiments without departing from the spirit of the invention.

[0149] For example, in the above embodiment, all databases are stored in the storage unit 5A of the credit support device 1 or in the storage unit 5B of the user terminal 2. However, at least some of the databases in the above embodiment may be stored in a server device installed separately from the credit support device 1 and the user terminal 2.

[0150] Furthermore, while the above example cites a case where the present invention is applied to a financial institution that accepts applications for account opening, loans, and internet banking, and the creditworthiness of the communication terminal 9 is evaluated, this is merely one example. The present invention can be applied to evaluating the creditworthiness of the communication terminal 9 used in various procedures conducted via the communication network 10. [Industrial applicability]

[0151] The information processing technology of the present invention can evaluate the creditworthiness of communication terminals, and is therefore useful, for example, in the field of credit assessment in financial institutions. [Explanation of Symbols]

[0152] 1. Credit support device 2 User terminals 4. Control Unit 4A Control Unit (Credit Support Device 1) 4B Control Unit (User Terminal 2) 41 Reception Department 42 Acquisition Department 43 Evaluation Department 44 Presentation section 5 Storage section 5A Memory Unit (Credit Support Device 1) 5B Memory Unit (User Terminal 2) 51 Credit Support Program 52 History Database 53 Device Database 54 Attribute Database 6 Communications Department 6A Communication Unit (Credit Support Device 1) 6B Communication Unit (User Terminal 2) 7 Input section 7A Input section (Credit support device 1) 7B Input section (User terminal 2) 8 Output section 8A Output section (Credit support device 1) 8B Output section (User terminal 2) 9. Communication terminals 91 Memory section 10 Communication Networks 100 Credit Support System

Claims

1. This is a method performed by an information processing device. When a procedure is performed via a communication network, the telephone number and terminal-related information of the communication terminal used for the procedure are obtained. The reliability of the communication terminal is evaluated based on the actual history information of the aforementioned telephone number and the terminal-related information of the aforementioned communication terminal. An information processing method characterized by the following:

2. This is a method performed by an information processing device. During procedures conducted via a communication network, the telephone number of the communication terminal used for the procedure and the personal attribute information of the applicant performing the procedure are obtained. The credibility of the communication terminal is evaluated based on the actual history information of the aforementioned telephone number and the aforementioned personal attribute information of the aforementioned applicant. An information processing method characterized by the following:

3. This is a method performed by an information processing device. During procedures conducted via a communication network, terminal-related information of the communication terminal used for the procedure, and personal attribute information of the applicant performing the procedure are acquired. The creditworthiness of the communication terminal is evaluated based on the terminal-related information of the communication terminal and the personal attribute information of the applicant. An information processing method characterized by the following:

4. A receiving means for receiving the telephone number and terminal-related information of the communication terminal used for a procedure, which is obtained during a procedure conducted via a communication network, The system includes an evaluation means for evaluating the trustworthiness of a communication terminal based on actual history information for the telephone number and terminal-related information for the communication terminal. An information processing device characterized by the following:

5. A means for receiving the telephone number of the communication terminal used for the procedure, which is obtained during the procedure conducted via a communication network, and the personal attribute information of the applicant performing the procedure, The system includes an evaluation means for evaluating the creditworthiness of the communication terminal based on the actual history information of the telephone number and the personal attribute information of the applicant. An information processing device characterized by the following:

6. A receiving means for receiving terminal-related information of the communication terminal used for a procedure, which is obtained during a procedure conducted via a communication network, and personal attribute information of the applicant performing the procedure, The system includes an evaluation means for evaluating the creditworthiness of the communication terminal based on terminal-related information about the communication terminal and personal attribute information about the applicant. An information processing device characterized by the following:

7. A process for receiving input of the telephone number and terminal-related information of the communication terminal used for a procedure, which is obtained during a procedure conducted via a communication network, The information processing device is instructed to perform a process of evaluating the trustworthiness of the communication terminal based on the actual history information of the telephone number and the terminal-related information of the communication terminal. An information processing program characterized by the following features.

8. A process for receiving the telephone number of the communication terminal used for the procedure, which is obtained when the procedure is carried out via a communication network, and the personal attribute information of the applicant performing the procedure, The information processing device is instructed to perform a process that evaluates the creditworthiness of the communication terminal based on the actual history information of the telephone number and the personal attribute information of the applicant. An information processing program characterized by the following features.

9. A process for receiving terminal-related information of the communication terminal used for a procedure, which is obtained during a procedure conducted via a communication network, and personal attribute information of the applicant performing the procedure. The information processing device is instructed to perform a process of evaluating the creditworthiness of the communication terminal based on the terminal-related information of the communication terminal and the personal attribute information of the applicant. An information processing program characterized by the following features.

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