Information control device, information control method, and program

Abstract

An information control device (10) according to one embodiment comprises: a first registration unit (110) for registering registration information that associates biological information and personal information for a prescribed user; an acquisition unit (111) for acquiring purchase information pertaining to a product or service purchased by the user and biological information for the user that made the purchase; a biological authentication control unit (112) for using the registration information to control biological authentication of the biological information acquired; a second registration unit (113) that, if the biological authentication was successful, associates the purchase information with the registration information for the user who has succeeded in the biological authentication, and registers the same; a determination unit (114) for determining, on the basis of the registration information, an insurance service responsive to the user who has succeeded in the biological authentication; and an output unit (115) for outputting information pertaining to the insurance service determined by the determination unit (114).

Description

[Technical field]

[0001] The present disclosure relates to an information control device, an information control method, and a computer-readable medium. [Background technology]

[0002] In recent years, various systems have been developed that accumulate information on user behavior and purchases and provide services suited to the user. For example, Patent Document 1 discloses an information processing device that can acquire behavioral information indicating the user's behavior on the Internet and select and combine insurance-related products required by the user from among multiple insurance-related products related to insurance within the range of insurance premiums set by the user based on the behavioral information. Patent Document 2 discloses a technology related to a device that links biometric information and purchase information and processes them. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2019-144775 A [Patent Document 2] JP 2020-144787 A Summary of the Invention [Problem to be solved by the invention]

[0004] When a user purchases a product or service, the user may subscribe to an insurance service for the product or service. In such cases, it is often difficult for the user to determine in advance whether the insurance service is necessary or not. For example, the user may suffer a disadvantage by subscribing to an unnecessary insurance service or not subscribing to a necessary insurance service. In the method of Patent Document 1, insurance-related products are selected based on user behavioral information, but since the user behavioral information is limited to that on the Internet and is based on predicted risks predicted from the behavioral information rather than on products or services, there is a possibility that unnecessary insurance services will be selected.

[0005] The present disclosure has been made to solve such problems, and aims to provide an information control device, an information control method, and a computer-readable medium that are capable of providing insurance services suitable for users. [Means for solving the problem]

[0006] The information control device according to the present disclosure includes: a first registration unit that registers registration information in which biometric information and personal information of a predetermined user are associated with each other; An acquisition unit that acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase; a biometric authentication control unit that controls biometric authentication for the acquired biometric information by using the registration information; a second registration unit that, if the biometric authentication is successful, registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication; A determination unit that determines an insurance service corresponding to a user who has successfully passed the biometric authentication based on the registration information; and an output unit that outputs information about the insurance service determined by the determination unit.

[0007] The information control method according to the present disclosure includes: The computer registering registration information in which biometric information and personal information of a predetermined user are associated with each other; Acquire purchase information regarding a product or service purchased by a user and biometric information of the user who made the purchase; controlling biometric authentication for the acquired biometric information using the registration information; If the biometric authentication is successful, the purchase information is associated with the registration information of the user who has succeeded in the biometric authentication and registered; determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information; The method outputs information about the determined insurance service.

[0008] The computer-readable medium according to the present disclosure comprises: registering registration information in which biometric information and personal information of a predetermined user are associated with each other; acquiring purchase information relating to a product or service purchased by a user and biometric information of the user who made the purchase; controlling biometric authentication of the acquired biometric information using the registration information; If the biometric authentication is successful, registering the purchase information in association with the registration information of the user who has succeeded in the biometric authentication; determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information; outputting information about the determined insurance service; A non-transitory computer-readable medium on which a program for causing a computer to execute the above is stored. Effect of the Invention

[0009] According to the present disclosure, it is possible to provide an information control device, an information control method, and a computer-readable medium that are capable of providing insurance services suitable for a user. [Brief description of the drawings]

[0010] [Figure 1] 1 is a block diagram showing a configuration of an information control device according to a first embodiment. [Diagram 2] 4 is a flowchart showing an information control method according to the first embodiment. [Diagram 3] 13 is an example of a display of a store terminal or a user terminal according to the first embodiment. [Figure 4]10 is a flowchart showing an information control method according to a second embodiment. [Diagram 5] FIG. 11 is a block diagram showing a configuration of an information control system according to a third embodiment. [Figure 6] FIG. 13 is a block diagram showing a configuration of an authentication device according to a third embodiment. [Figure 7] 13 is a flowchart showing a process of an authentication device according to a third embodiment. [Figure 8] 13 is a flowchart showing a process of an authentication device according to a third embodiment. [Figure 9] FIG. 11 is a block diagram showing a configuration of an information control device according to a third embodiment. [Figure 10] FIG. 13 is a block diagram showing a configuration of a user terminal according to the third embodiment. [Figure 11] 13 is an example of a display of a user terminal according to the third embodiment. [Figure 12] 13 is an example of a display of a user terminal according to the third embodiment. [Figure 13] FIG. 13 is a block diagram showing a configuration of a store terminal according to a third embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings. In each drawing, the same or corresponding elements are denoted by the same reference numerals, and duplicated descriptions will be omitted as necessary for clarity of explanation.

[0012] <First embodiment> The configuration of the information control device 10 will be described with reference to Fig. 1. Fig. 1 is a block diagram showing the configuration of the information control device 10 according to the first embodiment. As shown in Fig. 1, the information control device 10 has a first registration unit 110, an acquisition unit 111, a biometric authentication control unit 112, a second registration unit 113, a determination unit 114, and an output unit 115.

[0013] The information control device 10 is a computer that can determine and provide insurance services suitable for a user who has successfully passed biometric authentication, based on the user's purchase information and personal information in the registration information. The information control device 10 may be connected to a predetermined terminal and device via a communication network (hereinafter, the communication network may also be simply referred to as a network) or a predetermined wireless communication. The network may be wired or wireless, and the type of communication protocol may be any type. The terminal and device may be a terminal owned by a user (hereinafter, referred to as a user terminal), a store terminal, an authentication device, a storage device, etc. The user terminal is, for example, a smartphone, a tablet, etc.

[0014] The first registration unit 110 registers registration information in which biometric information and personal information of a specific user are associated with each other. The first registration unit 110 may register the registration information in a storage device provided inside the information control device 10, or may register the registration information in a storage device provided outside the information control device 10. For example, the biometric information may be facial feature information obtainable from a face image, or data (feature amount) calculated from physical features unique to an individual, such as fingerprints, voiceprints, veins, retina, and iris patterns. The information control device 10 may obtain biometric information for the registration information from the user via a biometric information obtaining device such as a camera.

[0015] The personal information may include, for example, the user's name, sex, date of birth, address, nationality, the user's contact information (telephone number, email address, social network service account, etc.), family structure, income information, bank account information, etc. The personal information may also include, for example, insurance information regarding insurance services for purchased products or services to which the user has subscribed. Examples of insurance services include repair insurance, non-life insurance, and accident insurance.

[0016] The acquisition unit 111 acquires purchase information on a product or service purchased by a user and biometric information of the user who made the purchase. The purchase information on a product or service is information on a purchase history such as the content of the product or service purchased by the user, the purchase price, the purchase date and time, and the number of purchases. Examples of the product include electronic products, electrical appliances, sporting goods, furniture, and musical instruments. Examples of the service include experiential activities and sports lessons.

[0017] The acquisition unit 111 acquires purchase information related to the product or service and biometric information of the user from a terminal (hereinafter referred to as a store terminal) installed in a store that sells the product or service in response to the user's purchase of the product or service. The store terminal is, for example, a computer installed in a store that sells the product or service, and can acquire purchase information related to the product or service and biometric information of the user. When the user purchases a product or service, the store terminal takes a facial image of the user and transmits the purchase information related to the product or service purchased by the user and the facial image of the user to the acquisition unit 111. This allows the acquisition unit 111 to acquire the purchase information and facial image of the user via the store terminal. Note that, although it has been described that the store terminal takes a facial image of the user, biometric information other than the facial image may be acquired. Furthermore, the registration information may include purchase information at a plurality of stores.

[0018] The acquisition unit 111 outputs the facial image acquired from the store terminal to the biometric authentication control unit 112. The acquisition unit 111 may store the facial image acquired from the store terminal in a storage device. In this case, the biometric authentication control unit 112 can acquire the facial image from the storage device. The acquisition unit 111 outputs the purchase information acquired from the store terminal to the second registration unit 113. The acquisition unit 111 may store the purchase information acquired from the store terminal in a storage device. In this case, the second registration unit 113 can acquire the purchase information from the storage device.

[0019] The biometric authentication control unit 112 controls biometric authentication for the acquired biometric information by using the registration information. Specifically, the biometric authentication control unit 112 transmits the acquired biometric information to an authentication device that stores facial feature information in advance by using the registration information, and causes the authentication device to perform biometric authentication. The authentication device may be provided inside or outside the biometric authentication control unit 112. When the information control device 10 has the above-mentioned authentication device built in, the biometric authentication control unit 112 performs biometric authentication processing by matching the biometric information. A detailed configuration of the authentication device will be described later.

[0020] Instead of biometric authentication, the identity verification may be performed using predetermined identity verification information. Examples of identity verification information include My Number, health insurance card, passport, a combination of ID and password, a two-dimensional code that can identify the person, and an electronic certificate. Identity verification is a method of performing authentication by comparing acquired identity verification information with identity verification information for authentication.

[0021] When the biometric authentication is successful, the second registration unit 113 registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication. That is, the personal information of the user and the purchase information are registered in association with each other in the registration information.

[0022] The determination unit 114 determines an insurance service suitable for a user who has succeeded in biometric authentication based on the registration information. For example, the determination unit 114 may determine an insurance service suitable for a user when the user purchases a product or service. For example, when a user purchases a first product and a second product, the determination unit 114 may determine an insurance service that can be applied to both the first product and the second product. In addition, when a user purchases a second product in a situation where the user has subscribed to a first insurance service for the first product, the determination unit 114 may determine a second insurance service that can be applied to both the first product and the second product. In this case, the user can update the first insurance service for the first product to the second insurance service that can be applied to both the first product and the second product. This allows the user to reduce the subscription of excessive insurance services and to subscribe to appropriate insurance services based on actual purchasing information.

[0023] The determination unit 114 may also refer to the personal information of the user included in the registration information and determine the insurance service based on the user's age. For example, when an elderly person or a child purchases an experience-based activity service, the insurance service may be determined to be accident insurance with a comprehensive coverage based on the user's age and the content of the experience-based activity. This allows the information control device 10 to determine an insurance service suitable for the user.

[0024] The output unit 115 outputs information about the insurance service determined by the determination unit 114. For example, the output unit 115 may communicate with a store terminal and cause a display unit (not shown) of the store terminal to display the content of the insurance service determined by the determination unit 114. Furthermore, the output unit 115 may notify the user terminal of the content of the insurance service determined by the determination unit 114, using contact information included in the personal information of the user registered in the registration information.

[0025] By being provided with at least a part of the above configuration, the information control device 10 can determine an insurance service suitable for a user and provide it to the user. This allows the information control device 10 to reduce the risk that the user will subscribe to an unnecessary insurance service and the risk that the user will suffer a disadvantage due to not subscribing to a necessary insurance service.

[0026] Next, the process performed by the information control device 10 will be described with reference to Fig. 2. Fig. 2 is a flowchart showing an information control method performed by the information control device 10 according to the first embodiment. In the following description, for simplicity, biometric authentication is assumed to be face authentication, and biometric information is assumed to be a face image or face feature information extracted from a face image.

[0027] First, the first registration unit 110 of the information control device 10 registers registration information in which the user's face image and personal information are associated with each other in the storage device (step S11). For example, the user can register the biometric information and personal information in the information control device 10 by transmitting his / her own face image and his / her own personal information to the information control device 10 using a user terminal. For the face image, for example, face image data included in an identification document such as a My Number card or a passport may be used. In addition, in a case where the information control device 10 is provided with a photographing function, the user may register the face image in the information control device 10 by photographing the face image using the photographing function of the information control device 10. In addition, the user may register the personal information in the information control device 10 by inputting the personal information into a predetermined format provided by the information control device 10 using a user terminal. In addition, in a case where the information control device 10 is provided with an input device, the user may register the personal information in the information control device 10 using the input device.

[0028] Biometric information (face image or facial feature information) and personal information may be directly associated with each other, and may be indirectly associated with each other. For example, a first storage device inside the information control device 10 may register a user ID and personal information in association with each other, and a second storage device outside the information control device 10 may register a user ID and biometric information in association with each other. Here, the second storage device may be an authentication device. For example, the authentication device extracts features from a face image of a user and acquires facial feature information. The authentication device also issues a user ID, which is, for example, identification information of a user, and stores the user ID and the facial feature information of the user in association with each other. Then, the first registration unit 110 may store the user ID issued by the authentication device in association with the personal information in the first storage device. An example of face authentication control using an authentication device will be described below.

[0029] The acquisition unit 111 acquires purchase information related to a product or service purchased by the user and biometric information of the user who made the purchase (step S12). The acquisition unit 111 acquires purchase information and a facial image of the user in response to the purchase of the product or service through a store terminal installed in the store. The product or service may be purchased by a payment system using biometric authentication provided in the store terminal. The biometric authentication control unit 112 transmits the acquired facial image to the authentication device and causes the authentication device to perform facial authentication (step S13). Specifically, the biometric authentication control unit 112 transmits the acquired facial image to the authentication device and requests the authentication device to perform authentication. As described above, the authentication device stores identification information and facial feature information of multiple users in association with each other. The authentication device extracts a predetermined feature amount from the facial image of the user acquired from the biometric authentication control unit 112, and compares the extracted feature amount with the stored facial feature information. If the authentication is successful, the authentication device identifies and specifies the user, and transmits the identification information of the specified user to the biometric authentication control unit 112 as an authentication result.

[0030] The biometric authentication control unit 112 determines whether the authentication is successful (step S14). The biometric authentication control unit 112 determines whether the authentication is successful, for example, based on the authentication result received from the authentication device. For example, if the authentication result indicates that the authentication is unsuccessful, the biometric authentication control unit 112 does not determine that the authentication is successful (step S14: NO). In this case, the information control device 10 ends the process.

[0031] On the other hand, when the authentication result received from the authentication device indicates successful authentication, the biometric authentication control unit 112 determines that the authentication is successful (step S14: YES). When the authentication is successful, the second registration unit 113 registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication (step S15). Specifically, the second registration unit 113 registers the user ID identified by the biometric authentication in association with the purchase information. After the registration, the determination unit 114 determines an insurance service according to the user who has succeeded in the biometric authentication based on the registration information of the user who has succeeded in the biometric authentication (step S16).

[0032] The output unit 115 outputs information about the insurance service determined by the determination unit 114 (step S17). The output unit 115 may output the information about the insurance service determined by the determination unit 114 to a store terminal or a user terminal, and present the determined insurance service to the user via the store terminal or the user terminal. The determination unit 114 may determine a plurality of candidate insurance services. In this case, the output unit 115 may output the information about the plurality of insurance services determined by the determination unit 114 to a store terminal or a user terminal, and present the determined plurality of insurance services to the user via the store terminal or the user terminal.

[0033] Fig. 3 is an example of a display screen of a store terminal or a user terminal. In Fig. 3, information such as the contents of the insurance service, the premium, the subject of application, the insured person, and the compensation content is displayed. The display screen may further display information such as the insurance coverage period and the specific insurance amount and compensation amount. The user can select and decide on the insurance service to be contracted from the multiple insurance services presented.

[0034] Note that steps S12 to S15 may be repeated in response to the purchase of a product or service by the user. Also, the decision of the insurance service in step S16 and the output of the information on the insurance service in step S17 may be performed multiple times independently, or may be performed at a predetermined timing. Also, step S16 and step S17 may be performed at a predetermined timing before the insurance period of the insurance service to which the user is currently subscribed ends. Specifically, the recommendation regarding the insurance service may be notified to the user terminal one or two months before the insurance period of the insurance service to which the user is currently subscribed ends or the time for renewal. Also, the recommendation regarding the insurance service may be notified to the user terminal when the user purchases a product or service, or when the user makes an inquiry by biometric authentication or identity authentication even if there is no registered information such as purchase information. Also, even if there is no inquiry from the user, the recommendation regarding the insurance service may be automatically notified to the user terminal at a predetermined timing.

[0035] The information control device 10 according to the first embodiment has been described above. The information control device 10 includes a processor, a memory, and a storage device, which are not shown in the figure. The storage device stores a computer program (hereinafter, simply referred to as a program) that implements the processing of the information control method according to the present embodiment. The processor loads the computer program from the storage device into the memory and executes the program. As a result, the processor realizes the functions of a first registration unit 110, an acquisition unit 111, a biometric authentication control unit 112, a second registration unit 113, a determination unit 114, and an output unit 115.

[0036] Each of the components of the information control device 10 may be realized by dedicated hardware. Also, some or all of the components may be realized by general-purpose or dedicated circuits, processors, etc., or a combination of these. These may be configured by a single chip, or may be configured by multiple chips connected via a bus. Some or all of the components of each device may be realized by a combination of the above-mentioned circuits, etc., and programs. Also, as the processor, a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), an FPGA (field-programmable gate array), a quantum processor (quantum computer control chip), etc. may be used.

[0037] Furthermore, when some or all of the components of the information control device 10 are realized by multiple information control devices, circuits, etc., the multiple information control devices, circuits, etc. may be centrally arranged or distributed. For example, the information control devices, circuits, etc. may be realized as a client-server system, a cloud computing system, etc., in a form in which each is connected via a communication network. Furthermore, the functions of the information control device 10 may be provided in a SaaS (Software as a Service) format.

[0038] As described above, the information control device 10 according to the first embodiment can determine an insurance service suited to a user based on registration information including purchase information, and provide the insurance service to the user. This allows the information control device 10 to reduce the risk that the user will subscribe to an unnecessary insurance service and the risk that the user will suffer a disadvantage due to not subscribing to a necessary insurance service. Note that, since the information control device 10 performs biometric authentication, it is not necessary for the user to manage IDs and passwords, and therefore does not impose an excessive burden on the user. According to the present embodiment, it is possible to provide an information control device, an information control method, and a computer-readable medium that are capable of providing insurance services suited to a user.

[0039] <Second embodiment> The information control device 10 according to the second embodiment can calculate insurance services and insurance premiums for the insurance services suitable for a user based on the registration information. The configuration of the information control device 10 according to the second embodiment is similar to the configuration of the information control device 10 according to the first embodiment shown in FIG. 1, and therefore will be described using similar reference numerals. In addition, the following description will focus on the differences from the first embodiment, and detailed description of the same contents as the first embodiment will be omitted as appropriate.

[0040] The first registration unit 110 may register the user's health information in association with the registration information in which the biometric information and personal information of a specific user are associated. The registration information includes, for example, the user's medical history, concerns about the user's own health condition, and whether the user exercises regularly. The determination unit 114 may use the health information included in the registration information to determine the insurance service. For example, when a user who does not exercise regularly purchases a service involving exercise such as an experiential activity, the determination unit 114 may determine that there is a high possibility of injury and determine an insurance service of injury insurance that is expensive but has a good compensation. On the other hand, when a user who exercises regularly and does not have a medical history purchases a service involving exercise such as an experiential activity, the determination unit 114 may determine that there is a low possibility of injury and determine a low-priced injury insurance with a minimum compensation as the insurance service. In other words, the determination unit 114 can determine the insurance service based on the registration information including the user's health information.

[0041] Furthermore, the determination unit 114 may determine an insurance service by referring to not only the registration information but also information on insurance services subscribed to by other users who have attributes similar to the user's (for example, similar age, sex, or family structure). This allows the determination unit 114 to determine an insurance service more suitable for the user. The determination unit 114 may determine an insurance service subscribed to by other users who have attributes similar to the user's as one of the insurance service candidates. In this case, the output unit 115 may present the insurance service subscribed to by other users who have attributes similar to the user determined by the determination unit 114 to the user terminal or the store terminal.

[0042] The determination unit 114 may determine an insurance service corresponding to a user who has successfully passed biometric authentication by selecting an insurance service corresponding to a product or service from among a plurality of insurance services and calculating a premium for the selected insurance service based on the registration information of the user who has successfully passed biometric authentication. For example, the determination unit 114 can select an insurance service corresponding to a product or service purchased by the user from among a plurality of insurance services such as repair insurance, non-life insurance, and accident insurance. For example, when the user purchases an electrical appliance, the determination unit 114 can select repair insurance corresponding to the electrical appliance from among a plurality of insurance services. In addition, the determination unit 114 can calculate a premium for repair insurance suitable for the user based on the registration information of the user who has successfully passed biometric authentication. A method for calculating the premium will be described below.

[0043] For example, the determination unit 114 calculates the insurance premium for the insurance service based on the purchase history of the product or service during a predetermined period included in the purchase information. For example, since it is considered that the more the number of purchases of the product or service that is the subject of the insurance service is, the more the number of times the insurance will be applied will increase, the determination unit 114 may calculate a higher insurance premium for the insurance service. On the other hand, since it is considered that the less the number of purchases of the product or service that is the subject of the insurance service is, the less the number of times the insurance will be applied, the determination unit 114 may calculate a lower insurance premium for the less the number of purchases of the product or service during a predetermined period.

[0044] The determination unit 114 may calculate the insurance premium for the insurance service by further taking into account the location where the biometric authentication was successful. For example, when the location where the biometric authentication was successful is an experiential activity facility, the determination unit 114 may determine that the insurance service (e.g., accident insurance, non-life insurance, etc.) for the experiential activity is highly likely to be covered, and may calculate the insurance premium to be high. Also, for example, when the location where the biometric authentication was successful is not an experiential activity facility, the determination unit 114 may determine that the insurance service (e.g., accident insurance, non-life insurance, etc.) for the experiential activity is low likely to be covered, and may calculate the insurance premium to be low.

[0045] The determination unit 114 may calculate the insurance premium for the insurance service by further taking into account information indicating the characteristics of the purchased product or service. Here, the information indicating the characteristics of the purchased product or service is, for example, information such as the product's failure history, failure frequency, failure rate, and the manufacturer that manufactures the product. For example, the determination unit 114 may determine that a product with a high failure rate is highly likely to be insured and calculate a high insurance premium for the insurance service. On the other hand, the determination unit 114 may determine that a product with a low failure rate is low likely to be insured and calculate a low insurance premium for the insurance service.

[0046] The second registration unit 113 may register the registration information of a user who has succeeded in biometric authentication in association with the application history of the insurance service of the user during a predetermined period. As a result, the application history of the insurance service of the user during a predetermined period is registered in the registration information. The application history of the insurance service is information such as the number of times the insurance service was applied, the compensation amount at the time of application, and the application date.

[0047] The determination unit 114 may calculate the insurance premium for the insurance service based on the application history of the insurance service in a predetermined period. For example, the determination unit 114 may calculate the insurance premium for the insurance service to be higher as the number of times the insurance service is applied in a predetermined period increases. In other words, the determination unit 114 may determine that the user is a user who frequently uses insurance services as the number of times a plurality of insurance services are applied in a predetermined period increases, and may calculate the insurance premium for the insurance service to be higher. The determination unit 114 may calculate the insurance premium for the insurance service to be lower as the number of times the insurance service is applied in a predetermined period decreases. In other words, when the number of times a plurality of insurance services are applied in a predetermined period is low, the determination unit 114 may determine that the user is a user who does not use insurance services very often, and may calculate the insurance premium for the insurance service to be low. The determination unit 114 may update the insurance premium for the insurance service to the calculated premium. This allows the user to pay an appropriate insurance premium based on the application history of the insurance service.

[0048] The insurance premiums for the insurance service may be paid by a flat-rate billing system. The information control device 10 may also have a function of performing processing related to a contract for an insurance service. For example, when a user agrees to subscribe to an insurance service, the information control device 10 may perform processing related to the contract using personal information included in the registration information. For example, when a user subscribes to an insurance service, the information control device 10 may debit the insurance premium for the insurance service using the user's account information included in the registration information.

[0049] As described above, the information control device 10 according to the second embodiment can provide an insurance service suitable for a user by selecting the insurance service and calculating the insurance premium based on the registration information of the user who has succeeded in biometric authentication. This allows the information control device 10 to determine the insurance service and the insurance premium for the insurance service personalized for each user, thereby reducing the risk that the user will subscribe to an unnecessary insurance service and the risk that the user will suffer a disadvantage due to not subscribing to a necessary insurance service.

[0050] Hereinafter, the processing of the information control device 10 according to the second embodiment will be described with reference to Fig. 4. Fig. 4 is a flowchart showing an information control method of the information control device 10 according to the second embodiment. Steps S21 to S25 in Fig. 4 are similar to steps S11 to S15 in Fig. 2, and therefore description thereof will be omitted.

[0051] The determination unit 114 selects an insurance service corresponding to the product or service from among a plurality of insurance services based on the registration information (step S26). If the user has already subscribed to an insurance service, the determination unit 114 may determine an insurance service including the content of the insurance service. The determination unit 114 further calculates the insurance premium for the selected insurance service based on the registration information (step S27). If the user has already subscribed to an insurance service, the determination unit 114 may calculate the insurance premium for the insurance service including the content of the insurance service. In other words, the determination unit 114 determines the content of the insurance service and the insurance premium for the insurance service based on the registration information.

[0052] The output unit 115 outputs information about the insurance service determined by the determination unit 114 (step S28). The output unit 115 may output information about the insurance service determined by the determination unit 114 to a shop terminal or a user terminal, and present the determined insurance service to the user via the shop terminal or the user terminal. Note that, similarly to the first embodiment, the determination unit 114 may determine a plurality of candidate insurance services. In this case, the output unit 115 may output information about the plurality of insurance services determined by the determination unit 114 to a shop terminal or a user terminal, and present the determined plurality of insurance services to the user via the shop terminal or the user terminal.

[0053] Note that steps S22 to S28 may be repeated in response to the purchase of a product or service by the user. Also, steps S26, S27, and S28 may be performed multiple times independently, or may be performed at a predetermined timing.

[0054] As described above, the information control device 10 according to the second embodiment can determine and provide an insurance service suitable for a user by selecting the insurance service and calculating the insurance premium based on the registration information of the user who has succeeded in biometric authentication. This allows the information control device 10 to determine the insurance service and the insurance premium for the insurance service personalized for each user, thereby reducing the risk that the user will subscribe to an unnecessary insurance service and the risk that the user will suffer a disadvantage due to not subscribing to a necessary insurance service.

[0055] <Third embodiment> The third embodiment is a specific example of the first and second embodiments described above. FIG. 5 is a block diagram showing the overall configuration of an information control system 1000 according to the third embodiment. The information control system 1000 includes an information control device 10a, an authentication device 200, a user terminal 400, and a store terminal 500. The information control device 10a, the authentication device 200, the user terminal 400, and the store terminal 500 are connected via a network 300. The store terminal 500 is provided in a store 610. The information control device 10a is an information control device that registers purchase information of a user U1 acquired by the store terminal 500 of the store 610 in association with registration information, and provides an insurance service suitable for the user U1 based on the registration information. The number of stores may be two or more. The purchase information may include purchase information at other stores, and may include purchase information in online shopping. In this embodiment, the information control device 10a includes a storage device 120. Furthermore, descriptions that overlap with the first and second embodiments will be omitted as appropriate.

[0056] The network 300 is a wired or wireless communication line, for example, the Internet. The user terminal 400 is a terminal owned by the user U1, for example, a smartphone, a tablet, etc. The store terminal 500 is a terminal device that can be installed in the store 610 and other stores, and a plurality of store terminals may be installed in each predetermined store. For example, the store terminal 500 is installed in a place where a product or service is purchased in the store. In FIG. 5, for the sake of simplicity, the store 610 is taken as an example. The store terminal 500 is a computer having a communication function, a storage device, a computing device, and a photographing function. The store terminal 500 may have a payment function using biometric authentication. The store terminal 500 photographs a face image of the user in response to the user's purchase of a product or service, and transmits the face image of the user and the purchase information to the information control device 10a.

[0057] The authentication device 200 stores facial feature information of multiple users including the user U1 in association with a user ID, which is the user's identification information. In response to a facial authentication request received from the outside, the authentication device 200 acquires facial feature information using a facial image included in the request, compares it with the facial feature information of each user, and returns an authentication result, which is the comparison result, to the request source.

[0058] FIG. 6 is a block diagram showing a configuration of an authentication device 200 according to a third embodiment. The authentication device 200 includes a face information DB (Data Base) 210, a face detection unit 220, a feature point extraction unit 230, a registration unit 240, and an authentication unit 250. The face information DB 210 stores a user ID 211 and face feature information 212 of the user ID 211 in association with each other. The face feature information 212 is a set of feature points extracted from a face image. The authentication device 200 may delete the face feature information 212 of the user in the face information DB 210 in response to a request from the user. Alternatively, the authentication device 200 may delete the face feature information 212 in the face information DB 210 after a certain period of time has elapsed since the registration of the face feature information 212.

[0059] The face detection unit 220 detects a face area included in the face image for registration received from the information control device 10a, and outputs it to the feature point extraction unit 230. The feature point extraction unit 230 extracts feature points from the face area detected by the face detection unit 220, and outputs facial feature information to the registration unit 240. The registration unit 240 issues a new user ID 211 when registering the facial feature information. The registration unit 240 associates the issued user ID 211 with facial feature information 212 extracted from the facial image, and registers them in the face information DB 210. The registration unit 240 notifies the information control device 10a of the issued user ID 211.

[0060] Next, the face detection unit 220 detects a face area included in the face image for biometric authentication received from the information control device 10a, and outputs it to the feature point extraction unit 230. The face image for biometric authentication is a face image acquired by the acquisition unit 111 to perform biometric authentication after the user ID 211 is issued. The feature point extraction unit 230 extracts feature points included in the received face image, and outputs face feature information to the authentication unit 250. The authentication unit 250 performs face authentication using the face feature information 212. Specifically, the authentication unit 250 compares the face feature information extracted from the face image with the face feature information 212 in the face information DB 210. If the comparison is successful, the authentication unit 250 specifies the user ID 211 associated with the compared face feature information 212. The authentication unit 250 returns the presence or absence of a match of the face feature information to the request source as a face authentication result. The presence or absence of a match of the face feature information corresponds to the success or failure of authentication. The face feature information matching refers to a case where the degree of matching is equal to or greater than a threshold value. Furthermore, the face authentication result includes the identified user ID 211 if the face authentication is successful.

[0061] 7 is a flowchart showing the process of the authentication device according to the third embodiment. Here, an information registration terminal (not shown) photographs the body including the face of a user, and transmits a face information registration request including the photographed face image to the authentication device 200 via the network 300. The information registration terminal is, for example, an information processing device such as a personal computer, a smartphone, or a tablet terminal. For example, the information registration terminal may be a user terminal 400, or may be an information control device 10a that has accepted a face information registration request from the user terminal 400.

[0062] First, the authentication device 200 acquires a face image of the user for registration included in the face information registration request (step S31). For example, the authentication device 200 accepts the face information registration request from the information registration terminal via the network 300. Next, the face detection unit 220 detects a face area included in the face image (step S32). Next, the feature point extraction unit 230 extracts feature points from the face area detected in step S32, and outputs face feature information to the registration unit 240 (step S33). Finally, the registration unit 240 issues a user ID 211, associates the user ID 211 with the face feature information 212, and registers the user ID 211 and the face feature information 212 in the face information DB 210 (step S34). Note that the authentication device 200 may receive the face feature information 212 from the information registration terminal, and register the user ID 211 and the face feature information 212 in the face information DB 210 in association with the user ID 211. Also, the registration unit 240 may notify the information registration terminal or the information control device 10a of the registered (issued) user ID 211.

[0063] 8 is a flowchart showing an authentication process by the authentication device 200 according to the third embodiment. First, the feature point extraction unit 230 acquires a face image for biometric authentication included in a face authentication request (step S41). For example, the authentication device 200 receives a face authentication request from the information control device 10a via the network 300, and extracts face feature information from the face image included in the face authentication request as in steps S31 to S33. Alternatively, the authentication device 200 may receive face feature information from the information control device 10a.

[0064] Next, the authentication unit 250 collates the acquired facial feature information with the facial feature information 212 in the facial information DB 210 (step S42). If the facial feature information matches, that is, if the degree of match of the facial feature information is equal to or greater than a threshold (step S43: Yes), the authentication unit 250 identifies the user ID 211 of the user whose facial feature information matches (step S44). The authentication unit 250 transmits to the information control device 10a a message indicating that the facial authentication was successful and the identified user ID 211 (step S45). If there is no matching facial feature information (step S43: No), the authentication unit 250 returns a message indicating that the facial authentication was unsuccessful to the information control device 10a (step S46).

[0065] Next, the configuration of the information control device 10a will be described in detail. Fig. 9 is a block diagram showing a detailed configuration of the information control device 10a according to the third embodiment. The information control device 10a includes a storage device 120, a storage unit 310, a memory 320, a communication unit 330, and a control unit 340. The information control device 10a may be redundantly configured with multiple servers, and each functional block may be realized by multiple computers.

[0066] The storage device 120 is a storage device such as a hard disk or a flash memory. The storage device 120 stores personal information 121, a user ID 122, purchase information 123, insurance information 124, and health information 125 of a user. The insurance information 124 includes information on the contents of insurance services, insurance premiums, and the history of insurance service application for a predetermined period of time of the user. The user ID 122 is an example of identification information of a user, and is information corresponding to the user ID 211 in the face information DB 210 of the authentication device 200 described above. The user ID 122 may be the same ID as the user ID 211 as long as it is associated with the user ID 211, or may be a different ID as long as it can uniquely identify the user ID 211. Therefore, the facial feature information 212 (biometric information) in the face information DB 210 of the authentication device 200, the personal information 121, the purchase information 123, the insurance information 124, and the health information 125 are associated with each other via the user ID, and these can be collectively regarded as the above-mentioned registered information.

[0067] The storage device 120 stores a user ID 122, personal information 121, purchase information 123, insurance information 124, and health information 125 in association with each other. When the storage device 120 receives a signal including the user ID 122 and requesting the personal information 121, purchase information 123, insurance information 124, or health information 125 corresponding to the user ID 122 from the information control device 10a, the storage device 120 outputs the personal information 121, purchase information 123, insurance information 124, or health information 125 corresponding to the user ID 122 to the information control device 10a.

[0068] The storage unit 310 is an example of a storage medium such as a hard disk, a flash memory, etc. The storage unit 310 stores a program 311. The program 311 is a computer program in which the processing of an information control method according to the third embodiment is implemented.

[0069] The memory 320 is a volatile storage device such as a RAM (Random Access Memory), and is a storage area for temporarily holding information during operation of the control unit 340. The communication unit 330 is a communication interface with the network 300.

[0070] The control unit 340 is a processor that controls each component of the information control device 10a, that is, a control device. The control unit 340 loads the program 311 from the storage unit 310 into the memory 320 and executes the program 311. In this way, the control unit 340 realizes the functions of the first registration unit 110, the acquisition unit 111, the biometric authentication control unit 112, the second registration unit 113, the determination unit 114, and the output unit 115 according to the first to third embodiments described above.

[0071] 10 is a block diagram showing the configuration of a user terminal 400 according to the third embodiment. The user terminal 400 includes a camera 410, a storage unit 420, a communication unit 430, an input / output unit 440, and a control unit 450.

[0072] The camera 410 photographs the user U1 according to the control of the control unit 450. The storage unit 420 is a storage device in which (application) programs for implementing each function of the user terminal 400 are stored. The communication unit 430 is a communication interface with the network 300. The input / output unit 440 includes a display device and an input device. The input / output unit 440 is, for example, a touch panel. The control unit 450 controls the hardware of the user terminal 400. The control unit 450 reads the program from the storage unit 420 into the memory and executes it. As a result, the control unit 450 realizes the function of controlling the camera 410, the storage unit 420, the communication unit 430, and the input / output unit 440. The user can register biometric information and personal information as registration information in the information control device 10a using the user terminal 400. In addition, the user can obtain information on the contents of the insurance service and the insurance premium from the information control device 10a via the user terminal 400. In addition, the user can carry out a contract procedure for the insurance service via the user terminal 400 or the shop terminal 500.

[0073] FIG. 11 is an example of a screen displayed on the user terminal 400. A specific application is installed in the user terminal 400. The user terminal 400 can obtain information about insurance services from the information control device 10a using the application. The user terminal 400 can also display information about insurance services on the screen of the user terminal 400 using the application. The user terminal 400 may request the information to be obtained from the information control device 10a.

[0074] FIG. 11 displays a list of insurance services to which the user has subscribed. The contents displayed are not limited to these, but may display, for example, the insurance content, application period, and insurance premium as the subscribed insurance service. The monthly payment insurance premium may also be displayed. FIG. 11 displays that the user has subscribed to accident insurance and repair insurance. As shown in FIG. 11, the application period of the accident insurance is from January 1, 2021 to December 31, 2021, and the insurance premium is 2,000 yen per month. Furthermore, the application period of the repair insurance is from January 1, 2019 to December 31, 2021, and the insurance premium is 1,000 yen per month. As a result, FIG. 11 displays that the monthly insurance premium is 3,000 yen. In this way, the user can use the user terminal to check information such as the content of the subscribed insurance service, the application period, the insurance premium, and the monthly payment insurance premium (amount paid). For example, even if there is no registered information such as purchase information, when the user makes an inquiry through biometric authentication or identity verification, the subscribed insurance service as shown in Fig. 11 may be displayed. Furthermore, when the user purchases a product or service, a new insurance service as shown in Fig. 3 may be presented or recommended, and the subscribed insurance service as shown in Fig. 11 may be displayed. The content displayed in Fig. 11 may be displayed not only on the user terminal 400 but also on the store terminal 500.

[0075] FIG. 12 is an example of a screen displayed on a user terminal. FIG. 12 shows on a map stores that sell products or services to which the insurance service to which the user subscribes can be applied. In FIG. 12, for example, stores A and B provide products or services to which the insurance service to which the user subscribes can be applied. On the other hand, stores C and D do not provide products or services to which the insurance service to which the user subscribes can be applied. This allows the user to check in advance on the map stores to which the insurance service to which the user subscribes can be applied, improving convenience.

[0076] In addition, in FIG. 12, the user's current location may be displayed, and the required time and distance from the current location to each store may be displayed. In FIG. 12, for example, the required time and distance from the current location to store A and from the current location to store B are displayed. In FIG. 12, the required time from the current location to store A is displayed as 10 minutes on foot and the distance is displayed as 1 km, and the required time from the current location to store B is displayed as 1 hour on foot and the distance is displayed as 6 km. Note that, instead of walking, the required time by car, train, or other public transportation may be displayed. In addition, the route from the current location to each store may be displayed on the map. This further improves the convenience for the user.

[0077] 13 is a block diagram showing the configuration of a store terminal 500 according to the third embodiment. The store terminal 500 includes a camera 510, a storage unit 520, a communication unit 530, an input / output unit 540, and a control unit 550.

[0078] The camera 510 photographs the user U1 under the control of the control unit 550. The memory unit 520 is a storage device in which (application) programs for implementing each function of the store terminal 500 are stored. The communication unit 530 is a communication interface with the network 300. The input / output unit 540 includes a display device and an input device. The input / output unit 540 is, for example, a touch panel. The control unit 550 controls the hardware of the store terminal 500. The control unit 550 loads the program from the memory unit 520 into memory and executes it. In this way, the control unit 550 realizes the function of controlling the camera 510, the memory unit 520, the communication unit 530, and the input / output unit 540.

[0079] The store terminal 500 may also have the function of the authentication device 200. The store terminal 500 may also have a function related to a payment system using biometric authentication. In this case, when a user purchases a product or service, the store terminal 500 may take a facial image of the user and perform biometric authentication, and if the biometric authentication of the user is successful, may use account information of the personal information included in the registration information to make a payment for the product or service purchased by the user. As a result, the store terminal 500 can perform biometric authentication of the user, obtain purchase information related to the product or service purchased by the user, and transmit the purchase information and the authentication result to the acquisition unit 111. As a result, the acquisition unit 111 can obtain the purchase information and the authentication result.

[0080] Furthermore, purchase information regarding the purchase of a product or service may be input to the store terminal 500 by a staff member using the store terminal 500. The store terminal 500 may also be connected to, for example, a cash register installed in the store and accept input of purchase information from the cash register. Note that the purchase information is not limited to purchase information from a physical store and may include purchase information from online shopping.

[0081] The information control system 1000 in Fig. 5 includes the components described above. The information control device 10a according to the third embodiment can determine an insurance service suitable for a user U1 and a premium for the insurance service based on registration information including purchase information of the user U1 at a store 610, and provide the insurance service to the user U1.

[0082] <Other embodiments> In the above-described third embodiment, the information control device 10a and the authentication device 200 are different devices, but they may be the same. For example, the information control device 10a may register facial feature information in further association with the user ID 122. In this case, the control unit 340 may include the face detection unit 220, the feature point extraction unit 230, the registration unit 240, and the authentication unit 250 of the authentication device 200.

[0083] The information control device 10a may perform the above-mentioned process by using personal identification information instead of biometric information and performing personal identification authentication instead of biometric authentication. The personal identification information may be, for example, a two-dimensional code such as a QR code (registered trademark) capable of identifying the user. When the user registers the registration information, the QR code may be issued as personal identification information capable of uniquely identifying the user and notified to the user terminal. In this case, it is sufficient that the registration information includes at least the user's personal information and personal identification information for authentication. The information control device 10a may perform the above-mentioned process by combining biometric authentication and personal identification authentication.

[0084] Specifically, the acquisition unit 111 may acquire user identity verification information in response to the user's purchase of a product or service. That is, the acquisition unit 111 may acquire purchase information related to the product or service purchased by the user and identity verification information of the user who made the purchase. For example, the store terminal may read a QR code presented by the user in response to the user's purchase of a product or service, acquire identity verification information, and transmit the acquired identity verification information and purchase information to the acquisition unit 111. In this way, the acquisition unit 111 can acquire the user's identity verification information and purchase information.

[0085] The biometric authentication control unit 112 may control the identity verification authentication of the acquired identity verification information of the user by using the registration information. The biometric authentication control unit 112 may perform identity verification authentication by comparing the acquired identity verification information with identity verification information for authentication included in the registration information.

[0086] If the identity authentication is successful, the second registration unit 113 may register the purchase information in association with the registration information of the user who has succeeded in the identity authentication. The determination unit 114 determines an insurance service according to the user who has succeeded in the identity authentication based on the registration information. In addition, the output unit 115 outputs information related to the insurance service determined by the determination unit 114.

[0087] As described above, the user may have the store terminal read the issued QR code, so that the purchase information is associated with the registration information and registered.

[0088] In the above embodiment, the configuration is described as a hardware configuration, but the present disclosure is not limited to this. Any processing can be realized by making a CPU execute a computer program in the present disclosure. In addition, in the above embodiment, the information control device 10a and the authentication device 200 are described as separate devices, but the information control device 10a may be configured to include the function of the authentication device 200 inside.

[0089] Each configuration in the above-described embodiments is configured by hardware or software, or both, and may be configured by one piece of hardware or software, or may be configured by multiple pieces of hardware or software. The function (processing) of each device may be realized by a computer having a CPU (Central Processing Unit), memory, etc. For example, a program for performing the method in the embodiment may be stored in a storage device, and each function may be realized by executing the program stored in the storage device by a CPU. Various control programs can be stored and supplied to a computer using various types of non-transitory computer readable media. Non-transitory computer readable media include various types of tangible storage media. Examples of non-transitory computer readable media include magnetic recording media (e.g., flexible disks, magnetic tapes, hard disk drives), magneto-optical recording media (e.g., magneto-optical disks), CD-ROMs, CD-Rs, CD-R / Ws, and semiconductor memories (e.g., mask ROMs, PROMs (Programmable ROMs), EPROMs (Erasable PROMs), flash ROMs, and RAMs). Programs may also be supplied to a computer by various types of transitory computer readable media. Examples of transitory computer readable media include electrical signals, optical signals, and electromagnetic waves. The transitory computer readable media can supply the programs to a computer via wired communication paths such as electric wires and optical fibers, or wireless communication paths.

[0090] The present invention is not limited to the above-described embodiment, and can be modified as appropriate without departing from the spirit and scope of the present invention.

[0091] A part or all of the above-described embodiments can be described as, but is not limited to, the following supplementary notes. (Appendix 1) a first registration unit that registers registration information in which biometric information and personal information of a predetermined user are associated with each other; An acquisition unit that acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase; a biometric authentication control unit that controls biometric authentication for the acquired biometric information by using the registration information; a second registration unit that, if the biometric authentication is successful, registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication; A determination unit that determines an insurance service corresponding to a user who has successfully passed the biometric authentication based on the registration information; and an output unit that outputs information about the insurance service determined by the determination unit. Information control device. (Appendix 2) the determination unit determines the insurance service corresponding to the product or service from among a plurality of insurance services based on the registration information of the user who has succeeded in the biometric authentication, and calculates a premium for the selected insurance service, thereby determining the insurance service corresponding to the user who has succeeded in the biometric authentication. 2. An information control device according to claim 1. (Appendix 3) The second registration unit registers the registration information of the user who has succeeded in the biometric authentication in association with the application history of the insurance service of the user during a predetermined period of time; The determination unit calculates a premium for the insurance service based on a history of application of the insurance service for a predetermined period. 3. An information control device according to claim 2. (Appendix 4) The determination unit calculates a premium for the insurance service based on a purchase history of a product or service during a predetermined period included in the purchase information. 4. An information control device according to claim 2 or 3. (Appendix 5) The determination unit calculates the insurance premium for the insurance service by further taking into account the location where the biometric authentication was successful. 5. The information control device according to any one of claims 2 to 4. (Appendix 6) The determination unit calculates the insurance premium for the insurance service by further taking into account information indicating characteristics of the purchased product or service. 6. An information control device according to any one of claims 2 to 5. (Appendix 7) The first registration unit registers health information of a user in association with the registration information in which biometric information and personal information of a specific user are associated with each other, and The determination unit determines the insurance service based on the registration information of the user who has succeeded in the biometric authentication. 7. An information control device according to any one of claims 1 to 6. (Appendix 8) The insurance premium payment method for the insurance service is a flat-rate billing method; 8. An information control device according to any one of claims 1 to 7. (Appendix 9) The computer registering registration information in which biometric information and personal information of a predetermined user are associated with each other; Acquire purchase information regarding a product or service purchased by a user and biometric information of the user who made the purchase; controlling biometric authentication for the acquired biometric information using the registration information; If the biometric authentication is successful, the purchase information is associated with the registration information of the user who has succeeded in the biometric authentication and registered; determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information; outputting information about the determined insurance service; Information control methods. (Appendix 10) registering registration information in which biometric information and personal information of a predetermined user are associated with each other; acquiring purchase information relating to a product or service purchased by a user and biometric information of the user who made the purchase; controlling biometric authentication of the acquired biometric information using the registration information; If the biometric authentication is successful, registering the purchase information in association with the registration information of the user who has succeeded in the biometric authentication; determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information; outputting information about the determined insurance service; A non-transitory computer-readable medium on which a program for causing a computer to execute the program is stored.

[0092] Although the present invention has been described above with reference to the embodiment, the present invention is not limited to the above embodiment. Various modifications that can be understood by those skilled in the art can be made to the configuration and details of the present invention within the scope of the present invention. [Explanation of symbols]

[0093] Information control device 10, 10a First Registration Section 110 Acquisition Department 111 Biometric authentication control unit 112 Second Registration Department 113 Decision Unit 114 Output section 115 Storage device 120 Personal Information 121 User ID 122 Purchasing information 123 Insurance Information 124 Health information 125 Authentication Device 200 Face information DB 210 User ID 211 Facial feature information 212 Face detection unit 220 Feature point extraction unit 230 Registration Department 240 Authentication section 250 Network 300 Storage section 310 Program 311 Memory 320 Communications Department 330 Control unit 340 User terminal 400 Camera 410 Storage section 420 Communications Department 430 Display section 440 Control unit 450 Store terminal 500 Camera 510 Storage part 520 Communications Department 530 Display section 540 Control unit 550 Store 610 Information and Control Systems 1000

Claims

1. a first registration unit that registers registration information in which biometric information and personal information of a predetermined user are associated with each other; An acquisition unit that acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase; a biometric authentication control unit that controls biometric authentication for the acquired biometric information by using the registration information; a second registration unit that, when the biometric authentication is successful, adds the purchase information to the registration information of the user who has succeeded in the biometric authentication and updates the registration information; a determination unit that determines an insurance service corresponding to the product or service from among a plurality of insurance services based on the registration information of the user who has succeeded in the biometric authentication updated by the second registration unit, and calculates a premium for the selected insurance service; and and an output unit that outputs information about the insurance service determined by the determination unit. Information control device.

2. The second registration unit registers the registration information of the user who has succeeded in the biometric authentication in association with the application history of the insurance service of the user during a predetermined period of time, The determination unit calculates a premium for the insurance service based on a history of application of the insurance service for a predetermined period. The information control device according to claim 1 .

3. The determination unit calculates a premium for the insurance service based on a purchase history of a product or service during a predetermined period included in the purchase information. The information control device according to claim 1 or 2.

4. The determination unit calculates the insurance premium for the insurance service by further taking into account the location where the biometric authentication was successful. The information control device according to any one of claims 1 to 3.

5. The determination unit calculates the insurance premium for the insurance service by further taking into account information indicating characteristics of the purchased product or service. The information control device according to any one of claims 1 to 4.

6. The first registration unit further associates health information of a user with the registration information in which biometric information and personal information of a specific user are associated with each other, and registers the health information of the user; The determination unit determines the insurance service based on the registration information of the user who has succeeded in the biometric authentication. The information control device according to any one of claims 1 to 5.

7. The insurance premium payment method for the insurance service is a flat-rate billing method; The information control device according to any one of claims 1 to 6.

8. The computer registering registration information in which biometric information and personal information of a predetermined user are associated with each other; Acquire purchase information regarding a product or service purchased by a user and biometric information of the user who made the purchase; controlling biometric authentication for the acquired biometric information using the registration information; If the biometric authentication is successful, the purchase information is added to the registration information of the user who has succeeded in the biometric authentication, and the registration information is updated; determining an insurance service corresponding to the product or service from among a plurality of insurance services based on the updated registration information of the user who has succeeded in the biometric authentication, and calculating a premium for the selected insurance service, thereby determining an insurance service corresponding to the user who has succeeded in the biometric authentication; outputting information about the determined insurance service; Information control methods.

9. registering registration information in which biometric information and personal information of a predetermined user are associated with each other; acquiring purchase information relating to a product or service purchased by a user and biometric information of the user who made the purchase; controlling biometric authentication of the acquired biometric information using the registration information; If the biometric authentication is successful, updating the registration information of the user who has succeeded in the biometric authentication by adding the purchase information; determining an insurance service corresponding to the product or service from among a plurality of insurance services based on the updated registration information of the user who has succeeded in the biometric authentication, and calculating a premium for the selected insurance service; and outputting information about the determined insurance service; A program that causes a computer to execute the following.

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