Credit Check System

Abstract

To provide a credibility confirmation system that enables a business providing a service to accurately authenticate a user's telephone number. [Solution] The system includes a suspicious phone number list 2, which is created for each service and in which the phone numbers of service users are registered with associated suspicious information based on the standards of the service provider providing the service, and a calculation means 3 that calculates the credibility of a phone number x of a specific user terminal A. The calculation means 3 calculates the credibility based on the information in the suspicious phone number list 2 and outputs the calculation result to a service management means 1.

Description

[Technical field]

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

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

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

[0004] [Patent Document 1] JP 2013-142916 A Summary of the Invention [Problem to be solved by the invention]

[0005] By performing authentication based on the list of suspicious phone numbers as described above, it is possible to prevent problems with users from occurring in advance. Most of the users whose phone numbers are registered on the black phone number list are those who have had some trouble with the business that manages the list. Such black people are highly likely to cause similar trouble with businesses that offer similar services. However, because the phone numbers of black people are registered on the black phone number list after they have had some trouble, the black phone number list may not be valid when using a business's services for the first time. When using authentication using such a black phone number list, there is a problem in that each business cannot know the phone numbers of black people before using the service.

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

[0007] The first invention is a service-specific telephone number system that registers telephone numbers of service users associated with caution information based on the standards of a service provider that provides the service. Multiple A list of suspicious phone numbers, The service management means provided for each of the above services and the black phone number list are referred to. List of suspicious phone numbers The registration status of a specific phone number to based on The credibility of the specific phone number above and a credit rating calculation means for calculating the credit rating and outputting the calculation result. A creditworthiness confirmation system, wherein the specific telephone number is a telephone number transmitted from a specific service management means to the creditworthiness calculation means together with a creditworthiness calculation request, the suspicious telephone number list is grouped based on the business type of the corresponding service, and when the creditworthiness calculation means receives the calculation request, it refers to information on the suspicious telephone number list included in the same group as the suspicious telephone number list corresponding to the specific service management means that is the sender of the calculation request, calculates the creditworthiness, and transmits the calculation result to the service management means that is the sender of the calculation request. .

[0009] No. 2 In the invention, the service management means has a function of judging, based on the calculation result received from the credit rating calculation means, whether or not it is necessary to restrict the provision of the service corresponding to the service management means.

[0010] No. 3 The invention has a function of notifying the service user of the specific telephone number of an authentication telephone number when the service management means determines that the service can be provided, and has an authentication means for authenticating the service user when a call is made to the authentication telephone number from the specific telephone number of the service user.

[0013] No. 4 The invention includes a reference telephone number list in which suspicious telephone numbers extracted based on criteria other than the criteria of the service provider are registered, and the credit rating calculation means calculates the credit rating of the specific telephone number by referring to the reference telephone number list.

[0014] No. 5 The present invention provides a method for detecting telephone numbers by using the above-mentioned blacklist. The system is provided with a notification means for notifying a service management means managing services corresponding to other watch telephone number lists, when a telephone number associated with the watch telephone number information is deleted from any of the watch telephone number lists, that the telephone number has been deleted. Effect of the Invention

[0015] According to the present invention, the trustworthiness of a telephone number can be calculated based on information from multiple blacklists of telephone numbers. Since a large amount of blacklist information can be referenced, highly reliable calculation results can be obtained. The trustworthiness of the user can also be confirmed based on the trustworthiness of the telephone number, making it possible to determine whether the user is a blacklist person or not. Furthermore, the service management means can check the credibility of a service user based on the user's telephone number.

[0017] No. 2 According to the invention, the service management means can determine whether or not it is necessary to restrict the provision of services based on the calculation result of the credit rating calculation means. It is also possible to prevent trouble in advance by restricting the provision of services to users with low credit ratings.

[0018] No. 3 According to the invention, after making a judgment based on the calculation result of the trustworthiness, it is possible to confirm that the user is using the telephone number by performing authentication using the authentication telephone number. Since the correspondence between the telephone number and the user is certain, the trustworthiness of the user can be judged more accurately based on the trustworthiness of the telephone number.

[0021] No. 4According to the invention, the reliability of a telephone number can be calculated by referring to a reference telephone number list extracted based on criteria other than the service provider. For example, regardless of the type of service, telephone numbers that cannot be the user's telephone number can be registered in a reference telephone number list, and by referring to this list preferentially, it may be possible to output the calculation result before referring to other suspicious telephone number lists.

[0022] No. 5 According to the invention, when the problematic behavior of a service user of a telephone number associated with watchful information is corrected in relation to a service provider and the telephone number is no longer a watchful telephone number, this fact can be notified to other service management means. The service management means (service provider) that is notified that a specific telephone number has been removed from another watchful telephone number list can review the contents of the watchful telephone number list that it manages based on the contents. [Brief description of the drawings]

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

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

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

[0026] Each black phone number list 2 is created by a service provider according to its own company's standards, and registers the telephone numbers of users associated with black information, that is, the telephone numbers of black phone users. "Red flag information" refers to people who have not paid for purchases in the past, have a history of registering false personal information, and are used as criteria by service providers to determine whether they are suitable to use their services. These criteria are decided by the service provider, and the "red flag phone number list2" is created by each service provider independently. However, the criteria tend to be similar depending on the type of service.

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

[0028] On the other hand, the center server C includes a calculation unit 3, which is a credit calculation means for calculating the credit of a specific telephone number, one or more reference telephone number lists 4 connected to the calculation unit 3, and an incoming call authentication unit 5. The reference telephone number list 4 is different from the suspicious telephone number list 2 created according to the standards of the service provider, and is a list in which telephone numbers that require caution regardless of the type of service and telephone numbers that should be excluded as users are registered. For example, when authenticating users of each service using only mobile phone numbers, telephone numbers other than mobile phones are not recognized as user numbers. For this reason, multiple lists are registered as the reference telephone number list 4, including lists of numbers that cannot be mobile phones, landline numbers not issued to general users, telephone numbers used by corporations rather than individuals, and telephone numbers that have been misused for crimes in cooperation with public institutions.

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

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

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

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

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

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

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

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

[0037] As described above, in this system, the creditworthiness of a user can be confirmed by the user's telephone number. In addition, since the trustworthiness of a specific telephone number x is calculated by referencing information on many suspicious telephone number lists 2, it is possible to obtain a more reliable trustworthiness calculation result than when only information on the suspicious telephone number list 2 of the specific service management device B1 for which the service is requested is referenced. Depending on the trustworthiness calculation result, it is possible to restrict the provision of services to users with low trustworthiness, and to avoid problems in advance. Furthermore, since the trust score calculation can use other companies' watchdog phone number lists 2', each service provider does not need to collect information on the phone numbers of users who have never used their own services, thereby reducing the burden on each service provider.

[0038] [Example of phone number list reference] In the above step S4, all the telephone number lists are referred to before the reliability is calculated, but the order in which the telephone number lists are referred to may be determined by weighting each telephone number list. An example of this is shown in FIG.

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

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

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

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

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

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

[0045] The reason why the blacklist 2 is divided into groups based on the type of business is that the content and level of blacklist information will be similar depending on the type of business of the service, and blacklisted people are likely to commit similar fraudulent acts with respect to the same type of service. In addition, the level of caution-required information can be weighted depending on whether it is in the same group as a specific service, and this can be reflected in the parameters of the credibility calculation formula for calculating the credibility.

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

[0047] [Phone number call verification] Although the above describes an example in which it is determined whether or not it is necessary to restrict the provision of services based solely on the result of the calculation of the trustworthiness, it is also possible to combine the result of the calculation of the trustworthiness with incoming call authentication by telephone. Fig. 4 shows a flow in which an incoming call authentication process is added to the process flow shown in Fig. 2. This incoming call authentication is executed by the incoming call authentication unit 5 of the center server C. Here, we will explain the processing that is executed after step S3, in which the processing unit 1 identifies the user's telephone number x from the information input from the user terminal A and requests the calculation unit 3 of the center server C to calculate the credibility of this telephone number x.

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

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

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

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

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

[0053] On the processing unit 1 side that has received the deletion information, the corresponding service provider can take that fact into consideration and revise the black phone number list 2 for the service of the service provider. The blacklist 2 should contain the telephone numbers of users who are blacklisted for the corresponding service. However, when a telephone number is removed from the list, it means that for some reason the user is no longer blacklisted for the corresponding service. If the blacklist information registered by your company on the blacklist is the type that changes over time, you may decide to remove it from the blacklist 2 by referring to removal information from other companies.

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

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

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

Claims

1. A plurality of black phone number lists, which are created for each service and in which telephone numbers of service users are registered to which black information based on the standards of the service provider providing the service is associated; A service management means provided for each of the services; a credit rating calculation means for calculating the credit rating of a specific telephone number based on the registration status of the specific telephone number in the referenced black phone number list and outputting the calculation result; A creditworthiness verification system comprising: the specific telephone number is a telephone number transmitted from the specific service management means to the credit rating calculation means together with a credit rating calculation request, The above list of suspicious phone numbers is grouped based on the type of service they provide. The credit rating calculation means is When the calculation request is received, the trust level is calculated by referring to information on a black phone number list included in the same group as the black phone number list corresponding to the specific service management means that is the sender of the calculation request; The calculation result is transmitted to the service management means which is the sender of the calculation request. Credit verification system.

2. The service management means: Based on the calculation result received from the credit rating calculation means, Equipped with a function to determine whether or not it is necessary to restrict the provision of the service corresponding to the service management means The credit verification system of claim 1.

3. The service management means includes: When it is determined that the service can be provided, the service user of the specific telephone number is notified of an authentication telephone number; The service user is provided with an authentication means for authenticating the service user when the service user calls the authentication telephone number using the specific telephone number of the service user. The creditworthiness verification system according to claim 2.

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

5. Among the above multiple watchful telephone number lists, The telephone number management device includes a notification means for notifying a service management means that manages services corresponding to the other blacklists of a telephone number to be deleted when the telephone number to which the blacklist information is associated is deleted from any of the blacklists. The credit verification system of claim 1.

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