Terminal, terminal control method, program and system

Abstract

Provided is a terminal that contributes to making it possible to accurately determine whether a service provider will provide a service to a user. The terminal comprises a calculation means and a transmission means. The calculation means calculates a reliability score that indicates the reliability of a user and is for determining whether a service provider will provide a service to the user. The transmission means transmits the calculated reliability score to a business operator terminal of the service provider.

Description

Technical Field

[0001] The present invention relates to a terminal, a method for controlling the terminal, a storage medium, and a system.

Background Art

[0002] There are technologies related to digital wallets.

[0003] For example, Patent Document 1 describes that a device and a method for using biometric technology are disclosed to ensure secure transactions using blockchain technology. Further, Patent Document 1 describes that at least some security-related problems in conventional blockchain digital wallets, specifically, those that cannot reliably authenticate user identification information, are reduced. Further, Patent Document 1 presents a method and an apparatus for using authentication and data protection to implement a blockchain offline wallet using biometrics.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] When a service provider provides a service to a user, the service provider may require the user to present an identity certificate, a qualification certificate, or the like. In this case, it is often determined whether the service can be provided based on the validity of the identity certificate or the like presented by the user (the user's digital wallet).

[0006] However, service providers cannot accurately assess the trustworthiness of users who wish to use their services based solely on identification documents presented via digital wallets. In other words, service providers cannot assess the trustworthiness of service users based solely on identification documents presented via digital wallets.

[0007] Specifically, service providers cannot determine whether a user is trustworthy based solely on their personal information (e.g., address, age) if the user wishes to use the service. Similarly, even if an identification document such as a student ID is genuine, service providers cannot determine whether the user is trustworthy.

[0008] The primary objective of this invention is to provide a terminal, a terminal control method, a storage medium, and a system that contribute to enabling service providers to more accurately determine whether or not to provide services to users. [Means for solving the problem]

[0009] According to a first aspect of the present invention, a terminal is provided that includes a calculation means for calculating a reliability score, which is a score indicating the trustworthiness of a user, for determining whether or not a service provider will provide a service to the user, and a transmission means for transmitting the calculated reliability score to the service provider's terminal.

[0010] A second aspect of the present invention provides a terminal control method that calculates a reliability score, which is a score indicating the trustworthiness of a user, for determining whether or not a service provider will provide a service to the user, and transmits the calculated reliability score to the service provider's terminal.

[0011] According to a third aspect of the present invention, a computer-readable storage medium is provided that stores a program for causing a computer installed in a terminal to perform the following: a process of calculating a reliability score, which is a score indicating the trustworthiness of a user, for determining whether or not a service provider will provide a service to the user; and a process of transmitting the calculated reliability score to the service provider's terminal.

[0012] According to a fourth aspect of the present invention, a system is provided which includes a terminal owned by a user and a service provider terminal managed by a service provider, wherein the service provider terminal transmits a reliability score calculation rule to the terminal for calculating a reliability score, which is a score indicating the reliability of the user and is used by the service provider to determine whether or not to provide services to the user; the terminal calculates the reliability score of the user based on the received reliability score calculation rule, transmits the calculated reliability score to the service provider terminal; the service provider terminal uses the received reliability score to determine whether or not it is possible to provide services to the user, and notifies the service provider's employees of the determination result. [Effects of the Invention]

[0013] From each perspective of the present invention, a terminal, a terminal control method, a storage medium, and a system are provided that contribute to enabling service providers to more accurately determine whether or not to provide services to users. However, the effects of the present invention are not limited to those described above. The present invention may produce other effects in lieu of or in conjunction with the effects described above. [Brief explanation of the drawing]

[0014] [Figure 1] Figure 1 is a diagram illustrating the outline of one embodiment. [Figure 2] Figure 2 is a flowchart showing the operation of one embodiment. [Figure 3] Figure 3 shows an example of a schematic configuration of the information processing system according to the first embodiment. [Figure 4]FIG. 4 is a diagram showing an example of the display of the terminal according to the first embodiment. [Figure 5] FIG. 5 is a diagram for explaining the operation of the information processing system according to the first embodiment. [Figure 6] FIG. 6 is a diagram showing an example of the processing configuration of the terminal according to the first embodiment. [Figure 7] FIG. 7 is a diagram showing an example of the content management database according to the first embodiment. [Figure 8] FIG. 8 is a diagram showing an example of the history management database according to the first embodiment. [Figure 9] FIG. 9 is a diagram showing an example of the processing configuration of the operator terminal according to the first embodiment. [Figure 10] FIG. 10 is a diagram showing an example of the display of the terminal according to the first embodiment. [Figure 11] FIG. 11 is a sequence diagram showing an example of the operation of the information processing system according to the first embodiment. [Figure 12] FIG. 12 is a diagram showing an example of the hardware configuration of the terminal according to the disclosure of the present application.

MODE FOR CARRYING OUT THE INVENTION

[0015] First, an overview of one embodiment will be described. Note that the reference numerals in the drawings appended to this overview are for convenience of each element as an example for assisting understanding, and the description of this overview is not intended to be limiting in any way. Further, unless otherwise specified, the blocks described in each drawing do not represent a configuration in hardware units but a configuration in functional units. The connection lines between the blocks in each figure include both bidirectional and unidirectional ones. For a one-way arrow, it schematically shows the flow of the main signal (data) and does not exclude bidirectionality. In the present specification and drawings, for elements that can be similarly described, duplicate description may be omitted by attaching the same reference numerals.

[0016] The terminal 100 according to one embodiment includes a calculation means 101 and a transmission means 102 (see FIG. 1). The calculation means 101 calculates a reliability score, which is a score indicating the reliability of the user, for determining whether the service provider provides services to the user (step S1 in FIG. 2). The transmission means 102 transmits the calculated reliability score to the business terminal of the service provider (step S2).

[0017] The terminal 100 calculates a reliability score, which is an index indicating the reliability of the user in the real society. The terminal 100 notifies the service provider of the calculated reliability score. The service provider can determine whether to provide services to the user based on the reliability score. That is, the terminal 100 enables a more accurate determination of whether the service provider provides services to the user. For example, by calculating the reliability score based on the information regarding the digital content stored in the digital wallet, the reliability of the user is visualized (quantified). The service provider can objectively determine whether to provide services based on the visualized reliability score. That is, the reliability score calculated by the terminal 20 gives credit to the user.

[0018] Specific embodiments will be described in more detail below with reference to the drawings.

[0019] [First Embodiment] The first embodiment will be described in more detail with reference to the drawings.

[0020] [Configuration of the System] As shown in FIG. 3, the information processing system according to the first embodiment includes at least one or more service providers.

[0021] The service provider is an operator that provides services to users. For example, examples of service providers include operators that operate means of transportation such as railways, buses, and airplanes. Alternatively, operators such as retail stores and restaurants correspond to service providers.

[0022] Alternatively, service providers may include real estate management companies that provide rental services for apartments, consumer finance companies that provide loans to individuals, and rental businesses that provide rental services for automobiles, etc. Alternatively, service providers may include companies that employ employees and conduct business. Service providers are not limited to private companies, but also include public institutions such as city halls, NGOs (Non-Governmental Organizations), and NPOs (Non-Profit Organizations) as service providers disclosed in this application.

[0023] Service providers may request users to present identification documents relevant to their company's (organization's) business. For example, rental companies that lend cars to users or consumer finance companies may request users to present identification documents. Similarly, retail stores that sell tobacco, alcohol, etc., to users may request users to present identification that can verify their age. Furthermore, companies that offer internship opportunities to students may request students to present certificates or other documents related to their qualifications.

[0024] Each service provider is equipped with a service provider terminal 10 used when providing services to users. In other words, the service provider terminal 10 is a terminal managed by the service provider.

[0025] The service provider terminal 10 may be a personal computer, a tablet, or a POS (Point of Sale) terminal. The service provider may also have a server for providing services to users (not shown in Figure 3, etc.).

[0026] Employees of the service provider operate the service provider terminal 10 to provide services to users.

[0027] The user possesses device 20.

[0028] Each device shown in Figure 3 is connected to a network. Specifically, the operator terminal 10 and terminal 20 are connected to the network by wired or wireless communication means.

[0029] The configuration of the information processing system shown in Figure 3 is illustrative and not intended to limit its configuration. For example, each service provider may include multiple service provider terminals 10.

[0030] [General operation] Next, we will describe the general operation of the information processing system according to the first embodiment.

[0031] <Preparing your digital wallet> The user's terminal 20 is equipped with a digital wallet function. A digital wallet is an electronic information storage service that guarantees information security, including data integrity, reliability, and availability. While self-sovereign management is desirable for digital wallets, an entity other than the user may be the managing entity.

[0032] The user installs an application on their device 20 to create a digital wallet. By opening a digital wallet on device 20, the user can store various digital content on device 20, such as electronic money, student IDs, identification documents such as passports and driver's licenses, membership cards, various ticket information such as airline tickets and boarding passes, and vaccination certificates.

[0033] For example, the user's terminal 20 stores digital content as shown in Figure 4. The digital content stored on terminal 20 includes official identification documents such as passports and driver's licenses, as well as student ID cards issued by universities.

[0034] <Enjoying the service> Users who wish to receive services from a service provider notify the service provider's employees or other personnel of their intention. In response to such notification, the service provider's employees or other personnel operate the service provider terminal 10 to enable communication between the user's terminal 20 and the service provider terminal 10. For example, the terminal 20 and the service provider terminal 10 are connected by short-range wireless communication means such as Bluetooth (registered trademark) or NFC (Near Field Communication). Alternatively, the terminal 20 and the service provider terminal 10 may be connected using mobile communication means such as 4G (4th Generation) or 5G (5th Generation) or wireless LAN (Local Area Network) such as Wi-Fi (Wireless Fidelity).

[0035] When terminal 20 and carrier terminal 10 are connected, carrier terminal 10 requests terminal 20 to provide a "reliability score" regarding users who wish to receive the service.

[0036] The reliability score is an indicator of a user's trustworthiness in real-world situations. For example, users who possess identification documents such as student IDs or passports are judged to have a certain level of trustworthiness. Conversely, users who are often late returning rented items such as rental cars or who are often late repaying loans are judged to have a low level of trustworthiness.

[0037] The service provider determines whether or not to provide the service to a user (a user who wishes to receive the service) based on the reliability score provided by terminal 20. The service provider refuses to provide the service to users whose reliability score is lower than the threshold set by the company.

[0038] Here, the criteria (content) for calculating the reliability score differ for each service provider. For example, in the case of a retail store where the service is completed once the payment for the goods is finished, the level of reliability required from the user is low. In this case, for example, the retail store might determine that it is sufficient if the user has an identification card or credit card.

[0039] In contrast, service providers whose service provision is completed upon the collection of rented items or loans, such as rental businesses and consumer finance companies, require a high level of trust from their users. In this case, for example, rental businesses require users not only to possess identification but also to have used that identification multiple times. Similarly, service providers offering rental services for apartments and other properties also require a high level of trust from their users. Real estate management companies, for example, require users to have used their identification multiple times.

[0040] Thus, depending on the service provider's industry and philosophy (policy), each service provider has a different method (calculation criteria) for calculating the reliability score for service users (users who benefit from the service). Therefore, service providers notify terminal 20 of the reliability score calculation rules according to their own policies, etc. In other words, since each service provider emphasizes different items, the criteria (reliability score calculation rules) according to the items that each service provider emphasizes are sent to terminal 20.

[0041] Specifically, the operator terminal 10 sends a "reliability score request" to terminal 20, which includes the reliability score calculation rules (hereinafter sometimes simply referred to as the calculation rules) (step S01 in Figure 5).

[0042] Upon receiving a request for a reliability score, terminal 20 calculates the user's reliability score. For example, terminal 20 calculates the reliability score using the user's possession status and usage history of digital content stored in their digital wallet.

[0043] Terminal 20 stores information about each digital content item stored in the digital wallet, including its type (student ID, passport, credit card, etc.), quantity, and holding period. Terminal 20 also stores the content usage history for each digital content item. Terminal 20 calculates a reliability score based on the digital content ownership status, digital content usage history, and calculation rules obtained from the service provider.

[0044] Terminal 20 transmits the calculated reliability score to the carrier terminal 10 (step S02).

[0045] The service provider terminal 10 determines whether or not it is possible to provide the service to the user in front of it, based on the acquired reliability score. For example, the service provider terminal 10 determines whether or not to provide the service based on the result of threshold processing using the reliability score.

[0046] If it is determined that the service cannot be provided, the service provider terminal 10 notifies the service provider's employees, etc. The service provider's employees, etc., inform the user in front of them that the service cannot be provided.

[0047] If it is determined that the service can be provided, the service provider terminal 10 notifies the service provider's employees, etc. The service provider's employees, etc. then provide the service to the user in front of them. For example, employees of a retail store sell goods and process payments. Or, employees of a rental business lend out rental items.

[0048] Furthermore, when providing services to users, employees of the service provider may request the terminal 20 to provide information necessary to provide those services.

[0049] For example, a retail store employee might ask a customer (customer terminal 20) purchasing items with age restrictions, such as tobacco or alcohol, to provide identification such as a driver's license. Alternatively, a rental car company might ask a customer to provide their membership card, driver's license, or other form of identification.

[0050] In this case, the service provider terminal 10 sends a "request for necessary documents" to terminal 20, which includes information identifying the documents (certificates, etc.) necessary for providing the service (for example, the name of the identification card), either in response to an operation by an employee or automatically (step S03).

[0051] Upon receiving a request for necessary documents, terminal 20 transmits the digital content stored in the digital wallet and specified by the service provider (such as a certificate) to the business terminal 10 (step S04).

[0052] When the service provider completes the provision of the service, the employee or other person enters this information into the service provider terminal 10. The service provider terminal 10 notifies terminal 20 of the details of the service provided to the user. The service provider terminal 10 sends a "Service Provision Notification" containing the details of the service provided to the user to terminal 20 (step S05).

[0053] For example, the service provider terminal 10 notifies terminal 20 of the name of the service provider, the type of business the service provider is in, the name of the product (service) sold, the documents used to provide the service, the payment method, any special notes (remarks), etc.

[0054] Upon receiving a service provision notification, terminal 20 stores the detailed information of the service provided in the notification in the history management database. Terminal 20 updates the usage history of digital content using the information contained in the service provision notification. Terminal 20 also creates and updates the usage history (service usage history) of the services enjoyed by the user using the information contained in the service provision notification. Details of the history management database will be described later.

[0055] Next, we will describe the details of each device included in the information processing system according to the first embodiment.

[0056] [Terminal] Figure 6 shows an example of the processing configuration (processing module) of the terminal 20 according to the first embodiment. Referring to Figure 6, the terminal 20 comprises a communication control unit 201, a digital wallet control unit 202, a history generation unit 203, a reliability score calculation unit 204, and a storage unit 205.

[0057] The communication control unit 201 is a means for controlling communication with other devices. For example, the communication control unit 201 receives data (packets) from the carrier terminal 10. The communication control unit 201 also transmits data to the carrier terminal 10. The communication control unit 201 passes the data received from other devices to other processing modules. The communication control unit 201 transmits the data acquired from other processing modules to other devices. In this way, other processing modules send and receive data with other devices via the communication control unit 201. The communication control unit 201 has the function of a receiving unit that receives data from other devices and the function of a transmitting unit that transmits data to other devices.

[0058] The communication control unit 201 communicates with the carrier terminal 10 using short-range wireless communication means such as Bluetooth® or NFC (Near Field Communication).

[0059] The digital wallet control unit 202 is a means for managing and controlling the digital wallet. Explanations regarding the installation of the digital wallet application and the acquisition of digital content are omitted, as these are obvious to those skilled in the art.

[0060] The digital wallet control unit 202 stores electronic money, airline tickets, identification cards, credit cards, membership cards, etc., as content for the digital wallet.

[0061] When the digital wallet control unit 202 stores digital content such as identification documents in the digital wallet, it stores information about the stored digital content in the content management database (see Figure 7). The digital wallet control unit 202 manages the ownership status of each digital content using the content management database.

[0062] As shown in Figure 7, the content management database stores information such as the type of digital content, related information for each piece of content (e.g., the issuing authority of certificates, etc.), and the date the digital content was acquired (date stored in the digital wallet). Note that the content management database shown in Figure 7 is an example and is not intended to limit the items that can be stored.

[0063] Furthermore, the digital wallet control unit 202 processes the document provision request received from the service provider terminal 10. The digital wallet control unit 202 reads the documents specified by the service provider (information identifying the digital content included in the document provision request; for example, the document name) from the digital wallet.

[0064] When the specified document (digital content) is read, the digital wallet control unit 202 sends an acknowledgment containing the read document to the operator terminal 10.

[0065] If the specified document is not stored in the digital wallet, the digital wallet control unit 202 sends a negative response to the operator terminal 10 indicating this fact.

[0066] The history generation unit 203 is a means for generating content usage history and service usage history. The history generation unit 203 processes service provision notifications received from the service provider terminal 10. Based on the information contained in the service provision notification, the history generation unit 203 creates and updates content usage history and service usage history.

[0067] When the history generation unit 203 receives a service provision notification, it adds a new entry to the history management database (see Figure 8). The history generation unit 203 stores the information contained in the service provision notification in the added entry.

[0068] As shown in Figure 8, the history management database stores content usage history (documents used, service provision date, etc.). The history management database also stores service usage history (service provider name, service provision date, industry, product (service) name, payment method, special notes, etc.).

[0069] The special notes may include details such as the rental period and rental start date of the rented items. Alternatively, the special notes may include details such as the amount lent by the consumer finance company and the loan period. The history management database shown in Figure 8 is an example and is not intended to limit the items to be stored.

[0070] The reliability score calculation unit 204 is a means for calculating a reliability score. The reliability score calculation unit 204 calculates a reliability score that indicates the reliability of the user, and is used to determine whether or not a service provider should provide a service to the user.

[0071] The reliability score calculation unit 204 processes the reliability score provision request received from the carrier terminal 10. The reliability score calculation unit 204 calculates a reliability score based on the reliability score calculation rules included in the reliability score provision request and information about the digital content held by the user.

[0072] For example, one example of a reliability score calculation rule is to "assign 10 points for possessing one identification document, and use the total points from each identification document as the reliability score." In this case, the reliability score calculation unit 204 refers to the content management database (content ownership status) and calculates the reliability score based on the ownership status of identification documents among the digital content stored in the digital wallet.

[0073] Alternatively, an example of a reliability score calculation rule is given: "If each identification document has been used 10 or more times in the past year, 10 points will be awarded to each identification document, and the total points for each identification document will be used as the reliability score." In this case, the reliability score calculation unit 204 refers to the history management database and counts the number of times each identification document was used during the period up to one year prior to the date of receipt of the reliability score request. The reliability score calculation unit 204 determines whether the number of times each identification document has been used is 10 or more and calculates the number of points for each identification document. The reliability score calculation unit 204 sums up the number of points for each identification document and calculates the reliability score.

[0074] Alternatively, an example of a reliability score calculation rule is given: "10 points are awarded for 20 or more credit card payments in the past year, and another 10 points for 40 or more electronic money payments, and the sum of these points is used as the reliability score." In this case, the reliability score calculation unit 204 refers to the history management database and counts the number of times payments were made using credit cards or electronic money during the period up to one year prior to the date of receipt of the reliability score request. The reliability score calculation unit 204 calculates the number of points for each payment method and calculates the total points as the reliability score.

[0075] Furthermore, the rules for calculating the reliability score may also use the type, number, number of uses, frequency of use, last use date, and retention period of certificates stored in the digital wallet. For example, calculating a reliability score based on the number of times digital content is used (number of times provided to service providers), frequency of use, and last use date can provide circumstantial evidence that the user (certificate or digital wallet holder) has repeatedly gained trust in the real world.

[0076] In this way, the reliability score calculation unit 204 calculates a reliability score based on at least one of the following: the ownership status of the digital content, the usage history of the digital content, and the usage history of the services enjoyed by the user.

[0077] The reliability score may be calculated using two or more of the following: the ownership status of digital content, the usage history of digital content, and the usage history of services enjoyed by the user. For example, the reliability score may be the sum of the reliability score (points) calculated from the ownership status of digital content and the reliability score calculated from the usage history of digital content.

[0078] The reliability score calculation unit 204 transmits the calculated reliability score to the service provider terminal 10. For example, if the identification document specified by the service provider does not exist or has not been used within a specified period, the service provider may be notified of a reliability score of "0 points".

[0079] Thus, the reliability score calculation unit 204 calculates a reliability score based on the ownership status of the digital content stored in the digital wallet. Alternatively, the reliability score calculation unit 204 calculates a reliability score based on the usage history of the digital content stored in the digital wallet. Alternatively, the reliability score calculation unit 204 calculates a reliability score based on the usage history of services provided using the digital content stored in the digital wallet.

[0080] The memory unit 205 is a means for storing information necessary for the operation of the terminal 20.

[0081] [Carrier terminal] Figure 9 shows an example of the processing configuration (processing module) of the carrier terminal 10 according to the first embodiment. Referring to Figure 9, the carrier terminal 10 comprises a communication control unit 301, a calculation rule acquisition unit 302, a service provision control unit 303, and a storage unit 304.

[0082] The communication control unit 301 is a means for controlling communication with other devices. For example, the communication control unit 301 receives data (packets) from terminal 20. The communication control unit 301 also transmits data to terminal 20. The communication control unit 301 passes the data received from other devices to other processing modules. The communication control unit 301 transmits the data acquired from other processing modules to other devices. In this way, other processing modules send and receive data with other devices via the communication control unit 301. The communication control unit 301 has the function of a receiving unit that receives data from other devices and the function of a transmitting unit that transmits data to other devices.

[0083] The communication control unit 301 communicates with the terminal 20 using short-range wireless communication means such as Bluetooth (registered trademark) or NFC (Near Field Communication).

[0084] The calculation rule acquisition unit 302 is a means for controlling the acquisition of reliability score calculation rules. The calculation rule acquisition unit 302 acquires reliability score calculation rules using a GUI (Graphical User Interface) or the like.

[0085] For example, the calculation rule acquisition unit 302 acquires a reliability score calculation rule and a threshold for determining whether or not to provide a service to a user, using a GUI as shown in Figure 10. The calculation rule acquisition unit 302 stores the acquired reliability score calculation rule and threshold in the storage unit 304.

[0086] In this way, the calculation rule acquisition unit 302 acquires information such as the items used when calculating the reliability score and the weighting of each item (the number of points to be assigned to each item).

[0087] The calculation rule acquisition unit 302 may acquire the calculation rules and thresholds using an external storage medium such as a USB (Universal Serial Bus) memory. The service provider's representative can determine the reliability score calculation rules and thresholds and store this information in the USB memory.

[0088] The service provision control unit 303 is a means for controlling the services provided to the user.

[0089] The service provision control unit 303 connects the terminal 20 and the service provider terminal 10 via short-range wireless communication in response to an operation by an employee of the service provider. For example, the service provision control unit 303 performs pairing using Bluetooth®. Alternatively, the service provision control unit 303 controls an NFC card reader.

[0090] When terminal 20 and carrier terminal 10 become able to communicate, the service provision control unit 303 sends a reliability score provision request, including the reliability score calculation rules, to terminal 20.

[0091] The service provision control unit 303 receives the reliability score calculated by terminal 20 as a response to the reliability score provision request.

[0092] The service provision control unit 303 determines whether or not it is possible to provide the service to the user in front of it based on the received reliability score. Specifically, the service provision control unit 303 makes the above determination based on the result of threshold processing using the reliability score and the threshold obtained by the calculation rule acquisition unit 302.

[0093] If the reliability score is lower than the threshold, the service provision control unit 303 notifies the service provider's employees or other relevant personnel that it is not possible to provide the service to the user in front of it.

[0094] If the reliability score is above the threshold, the service provision control unit 303 notifies the service provider's employees, etc., that it is possible to provide the service to the user in front of it.

[0095] Furthermore, if it is possible to provide the service to the user, the service provision control unit 303 requests the terminal 20 to provide the documents necessary for the service to be provided, either in response to an operation by an employee of the service provider or automatically.

[0096] For example, if cigarettes or other items are sold to a user, the service provision control unit 303 requests the terminal 20 to provide identification that can verify the user's age. Alternatively, if a rental car or similar item is rented out, the service provision control unit 303 requests the terminal 20 to provide a driver's license, membership card, or similar document.

[0097] The service provision control unit 303 sends a request for necessary documents to the terminal 20, which includes information identifying the necessary documents (certificates, membership cards, etc.) that it requests the user to provide.

[0098] The service provision control unit 303 receives a response (affirmative response, negative response) to the request for necessary documents.

[0099] If the requested documents are obtained (i.e., an affirmative response is received), the service provision control unit 303 presents the obtained documents to the service provider's employees. The employees verify the presented documents and provide the service to the user. For example, if a user attempts to purchase an age-restricted product, the sale of the product is determined based on the user's age as shown on their identification document.

[0100] The service provision control unit 303 notifies the terminal 20 of details about the services provided to the user, either in response to an operation by an employee of the service provider or automatically. For example, the service provision control unit 303 sends a service provision notification to the terminal 20 that includes detailed service information such as the company name, industry, product name sold, documents used to provide the service, and payment method.

[0101] Detailed explanations regarding the documents and other materials required for the provision of individual services are omitted, as the specific documents and other materials required for each service are different from those described in this disclosure.

[0102] The memory unit 304 is a means for storing information necessary for the operation of the business terminal 10.

[0103] [System operation] Next, the operation of the information processing system according to the first embodiment will be described.

[0104] Figure 11 is a sequence diagram showing an example of the operation of the information processing system according to the first embodiment. The operation of the information processing system according to the first embodiment will be described with reference to Figure 11.

[0105] The service provider terminal 10 sends a "reliability score request" to the user terminal 20 that wishes to receive the service (step S01).

[0106] Terminal 20 calculates a reliability score based on the acquired reliability score calculation rules, the status of digital content ownership, usage history, etc. Terminal 20 transmits the calculated reliability score to the carrier terminal 10 (step S02).

[0107] In this manner, the service provider terminal 10 transmits a reliability score calculation rule to terminal 20 for calculating a reliability score, which is a score indicating the trustworthiness of the user and is used by the service provider to determine whether or not to provide a service to the user. Terminal 20 calculates the user's reliability score based on the received reliability score calculation rule and transmits the calculated reliability score to the service provider terminal 10.

[0108] The service provider terminal 10 uses a reliability score to determine whether or not to provide service to the user in front of it, and notifies the service provider's employees of the result. Furthermore, the service provider terminal 10 requests the user's terminal 20 to provide the necessary documents for providing the service (request for necessary documents; step S03).

[0109] Terminal 20 transmits the digital content specified by the service provider terminal 10 from among the digital content stored in the digital wallet to the service provider terminal 10 (step S04).

[0110] When a service provider terminates the provision of a service, the service provider terminal 10 sends a "service provision notification" containing detailed information about the services provided to terminal 20 (step S05).

[0111] Thus, if the service provider terminal 10 determines, based on the reliability score, that it is possible to provide the service to the user, it requests terminal 20 to provide the necessary documents to the user. In response to this request, terminal 20 sends the digital content specified by the service provider terminal 10 from the digital content stored in the digital wallet back to the service provider terminal 10. Furthermore, once the service provider has completed providing the service, the service provider terminal 10 sends the details of the service provided to the user back to terminal 20.

[0112] Next, a modified example of the first embodiment will be described.

[0113] <Example 1> The service provider terminal 10 may verify the authenticity of certificates, etc., obtained from terminal 20. For example, terminal 20 may verify the user's identity using a My Number Card, etc., when opening a digital wallet. Terminal 20 stores the biometric information (e.g., facial image) of the user whose identity has been successfully verified as the biometric information of the digital wallet holder. Terminal 20 also transmits the biometric information of the digital wallet holder to the service provider terminal 10 when the necessary documents are provided. The service provider terminal 10 takes a picture of the user in front of it to obtain biometric information and performs an authentication process using the obtained biometric information and the biometric information of the digital wallet holder. If the authentication process is successful, the service provider terminal 10 may determine that it is possible to provide the service to the user. In other words, if the user's authentication is unsuccessful, the service will not be provided to that user.

[0114] <Modification 2> When a service provider begins providing a service to a user, or when the service provision is completed, the service provider terminal 10 may send a service provision notification to terminal 20. For example, when a rental item such as a rental car is returned, a service provision notification may be sent to terminal 20. In this case, the service provision notification may include an evaluation of the user who received the service and information for evaluating the user. For example, a user who returns the rental item without delay may be given a "good" rating, and a user who returns the rental item late may be given a "bad" rating. Alternatively, the number of days the rental item was delayed may be sent to terminal 20.

[0115] In such cases, the service provider may set rules for calculating reliability scores based on user ratings. For example, the service provider may assign positive points to "good" ratings and negative points to "bad" ratings.

[0116] Alternatively, service providers may set up reliability score calculation rules that use the number of days or instances of delays in returning rented items. For example, a rental company may set up reliability score calculation rules such that users with a high number of days of delays in returning rented items over a certain period will receive a negative reliability score. Alternatively, a rental company may set up reliability score calculation rules such that users with a high number of delays in returning rented items over a certain period will receive a negative reliability score.

[0117] Thus, service providers may set up reliability score calculation rules that are calculated based on the service provision status of competitors (the service usage history of competitors).

[0118] <Variation 3> In addition to using reliability scores to determine whether or not to provide services, service providers may use them to determine the content of the services they provide and the benefits they offer to users. For example, restaurants may prioritize reservations from users with high reliability scores. Alternatively, restaurants may require users with low reliability scores to pay a deposit. Or, retailers may offer more benefits (e.g., large discounts, points, coupons, etc.) to users with high reliability scores.

[0119] As described above, the terminal 20 according to the first embodiment calculates a reliability score based on information about the digital content stored in the digital wallet and a reliability score calculation rule obtained from the service provider. For example, the terminal 20 calculates a reliability score based on the ownership status of the digital content (type of certificate, number of certificates, ownership period, etc.) and the usage history of the digital content (number of uses, frequency of use, etc.). The terminal 20 presents the calculated reliability score to the service provider. As a result, the reliability of the user is made visible, and the service provider can decide whether or not to provide services to the user based on objective indicators.

[0120] Furthermore, the criteria and rules for calculating reliability scores typically differ from one service provider to another. Therefore, service providers set reliability score calculation rules on the service terminal 10 according to their own business type and policies. Whenever a user requests a service, the service terminal 10 transmits these reliability score calculation rules to the user's terminal 20. Terminal 20 generates a reliability score based on the acquired reliability score calculation rules and provides it to the service provider. As a result, service providers are provided with reliability scores that correspond to different criteria (evaluation axes) used by each service provider.

[0121] Furthermore, the information that terminal 20 provides to the service provider is a numerical value called a reliability score; personal information such as name and gender is not provided to the service provider. Therefore, individual privacy is appropriately protected.

[0122] Next, we will describe the hardware of each device that makes up the information processing system. Figure 12 shows an example of the hardware configuration of terminal 20.

[0123] Terminal 20 can be configured using an information processing device (a so-called computer), and has the configuration illustrated in Figure 12. For example, terminal 20 includes a processor 311, memory 312, input / output interface 313, and communication interface 314, etc. The components of the processor 311, etc., are connected by an internal bus or the like and are configured to communicate with each other.

[0124] However, the configuration shown in Figure 12 is not intended to limit the hardware configuration of terminal 20. Terminal 20 may include hardware not shown, and may not have an input / output interface 313 if necessary. Also, the number of processors 311 etc. included in terminal 20 is not intended to be limited to the example in Figure 12; for example, terminal 20 may include multiple processors 311.

[0125] The processor 311 is a programmable device such as a CPU (Central Processing Unit), MPU (Micro Processing Unit), or DSP (Digital Signal Processor). Alternatively, the processor 311 may be a device such as an FPGA (Field Programmable Gate Array) or ASIC (Application Specific Integrated Circuit). The processor 311 executes various programs, including an operating system (OS).

[0126] Memory 312 includes RAM (Random Access Memory), ROM (Read Only Memory), HDD (Hard Disk Drive), SSD (Solid State Drive), etc. Memory 312 stores the OS program, application programs, and various data.

[0127] The input / output interface 313 is an interface for a display device or input device (not shown). The display device is, for example, a liquid crystal display. The input device is, for example, a device that accepts user input such as a keyboard or mouse.

[0128] The communication interface 314 is a circuit, module, etc., that communicates with other devices. For example, the communication interface 314 includes a NIC (Network Interface Card), etc.

[0129] The functions of terminal 20 are realized by various processing modules. These processing modules are realized, for example, by the processor 311 executing a program stored in memory 312. The program can also be recorded on a computer-readable storage medium. The storage medium can be a non-transitory material such as semiconductor memory, hard disk, magnetic recording medium, or optical recording medium. In other words, the present invention can also be embodied as a computer program product. Furthermore, the program can be downloaded via a network or updated using the storage medium on which the program is stored. Moreover, the processing module may be realized by a semiconductor chip.

[0130] Furthermore, the operator terminal 10 can also be configured using an information processing device, similar to terminal 20, and its basic hardware configuration is identical to that of terminal 20, so its explanation will be omitted.

[0131] Terminal 20, which is an information processing device, is equipped with a computer, and its functions can be realized by having the computer execute a program. Furthermore, terminal 20 executes a control method for terminal 20 using this program. Similarly, carrier terminal 10 is equipped with a computer, and its functions can be realized by having the computer execute a program. Furthermore, carrier terminal 10 executes a control method for carrier terminal 10 using this program.

[0132] [Differentiation] The configuration and operation of the information processing system described in the above embodiment are illustrative examples and are not intended to limit the system configuration.

[0133] In the above embodiment, a case was described in which a reliability score calculation rule is transmitted from the service provider terminal 10 to the terminal 20 when a service is provided to a user. However, the reliability score calculation rule may be pre-configured in the terminal 20. For example, multiple reliability score calculation rules may be pre-configured in the terminal 20, and the service provider terminal 10 may specify the calculation rule to be adopted by the company from among the pre-configured reliability score calculation rules. That is, the service provider terminal 10 may specify the reliability score calculation rule to be adopted by the company from among the multiple reliability score calculation rules pre-configured in the terminal 20 and request the provision of a reliability score.

[0134] The service provider may prepare multiple reliability score calculation rules from different perspectives and transmit these multiple reliability score calculation rules to the terminal 20. For example, the service provider terminal 10 transmits five types of reliability score calculation rules to the terminal 20. The terminal 20 calculates a reliability score for each of the five calculation rules and transmits it to the service provider terminal 10. The service provider terminal 10 may use the reliability scores generated from the five calculation rules to determine whether or not to provide the service to the user.

[0135] Furthermore, service providers may adopt reliability score calculation rules prepared in advance by management associations or similar bodies composed of other companies in the same industry. In this case, each service provider may determine the thresholds for the reliability score calculation rules according to their own security policies, etc. In other words, the reliability score calculation rules may be standardized among multiple service providers, and each service provider may determine the threshold for determining whether a service is "available."

[0136] The carrier terminal 10 may send a function that outputs a reliability score to terminal 20 as a reliability score calculation rule. That is, the carrier terminal 10 may send a reliability score calculation algorithm to terminal 20. Alternatively, the carrier terminal 10 may determine a calculation algorithm that matches its own policies from among several calculation algorithms and send the determined calculation algorithm to terminal 20 as a reliability score calculation rule.

[0137] As shown in Figure 5, the above embodiment describes a case where the operator terminal 10 requests the reliability score and required documents from terminal 20 at different times. However, the operator terminal 10 may request the reliability score and required documents at the same time. In this case, the operator terminal 10 only needs to send a reliability score request to terminal 20 that includes information specifying the reliability score calculation rules and required documents. Terminal 20 then needs to send the calculated reliability score and the specified required documents to the operator terminal 10.

[0138] The operator terminal 10 may send a learning model to terminal 20 as a reliability score calculation rule, which outputs a reliability score when content ownership status and content usage history are input. This learning model is obtained by machine learning using a large amount of training data.

[0139] The reliability score may be calculated using information stored in the terminal 20 (content ownership status, content usage history, service usage history) as well as information obtained from external organizations and institutions. For example, the reliability score calculation rules may be calculated using information obtained from credit card companies. For example, the reliability score may be calculated based on credit card usage history. For example, a reliability score calculation rule may be set so that users with payment delays etc. are given a low reliability score. In this way, the service provider may decide whether or not to provide the service in cooperation with the credit card company, depending on the user's credit card usage status (payment status), etc.

[0140] Terminal 20 may present (notify) the user of the reliability score calculation rule obtained from the carrier terminal 10 and the reliability score calculated using that rule. By referring to the notified reliability score calculation rule, the user can find out which content stored in the digital wallet was used to calculate the reliability score.

[0141] Terminal 20 may obtain the user's consent to submit the calculated reliability score before transmitting the reliability score to the service provider terminal 10. Terminal 20 may provide the reliability score to the service provider only if the user consents to its submission.

[0142] Similarly, terminal 20 may obtain consent from the user regarding the submission of necessary documents (digital content) required for the provision of the service before the service provider transmits such documents to the service provider terminal 10.

[0143] If the service provider terminal 10 determines, based on the reliability score, that it will not provide the service to the user, it may notify terminal 20 of this. In this case, the service provider terminal 10 may also notify terminal 20 of the reason why the service cannot be provided to the user. For example, the service provider terminal 10 may notify terminal 20 that the number of times the user has used their identification document has not reached the threshold set by the service provider. Alternatively, the service provider terminal 10 may notify terminal 20 of advice regarding actions or measures necessary for the user to enjoy the service. For example, if the reason the service cannot be provided is due to frequent delays in returning rented items, the service provider terminal 10 may send advice to terminal 20 to return the rented items on time.

[0144] Information on reliability score calculation rules and required documents requested by each service provider may be posted on websites that compile information for each industry (service). Terminal 20 may obtain this information from such websites instead of from the service provider terminal 10. Alternatively, the above reliability score and required document information may be pre-registered in an application installed on terminal 20. With this configuration, users can know in advance the policies (strictness of calculation rules) of each service provider (service), the types of certificates required when using the service, and the status of the history. Users can consider (decide) whether or not to receive services from a service provider after understanding the service provider's policies in advance. If a user decides to use a service provider without knowing the information required by the service provider, and is then asked for unexpected information, the user's enjoyment of the service will be delayed. Therefore, if users can know the information required by the service provider in advance, they can prepare by accumulating the required history and preparing the required certificates. Alternatively, if users can understand in advance the information requested by the service provider, they can decide to forgo or reserve their access to the service from that provider.

[0145] Some functions of terminal 20 may be implemented in other devices or equipment. More specifically, it is sufficient if the "history generation unit (history generation means)", "reliability score calculation unit (reliability score calculation means)", etc., described above are implemented in any of the devices included in the system.

[0146] In the flowcharts (sequence diagrams) used in the above description, multiple processes (processes) are shown in order, but the execution order of the processes performed in the embodiment is not limited to the order in which they are shown. In the embodiment, the order of the illustrated processes can be changed to the extent that it does not impair the content, for example, by executing each process in parallel.

[0147] The embodiments described above are explained in detail to facilitate understanding of the disclosure, and it is not intended that all the configurations described above are necessary. Furthermore, when multiple embodiments are described, each embodiment may be used individually or in combination. For example, it is possible to replace parts of the configuration of one embodiment with those of another embodiment, or to add configurations from other embodiments to the configuration of one embodiment. In addition, it is possible to add, delete, or replace parts of the configuration of one embodiment with those of another.

[0148] As described above, the industrial applicability of the present invention is clear, and it is particularly applicable to information processing systems, etc., that include service providers who provide services to users using certificates stored in a digital wallet.

[0149] Some or all of the above embodiments may also be described as follows, but are not limited to the following: [Note 1] A calculation means for calculating a reliability score that indicates the trustworthiness of a user, which is used by a service provider to determine whether or not to provide a service to the user. A transmission means for transmitting the calculated reliability score to the service provider's terminal, A terminal equipped with the following features. [Note 2] The system further includes a receiving means for receiving a reliability score calculation rule for calculating the reliability score from the aforementioned carrier terminal, The calculation means is a terminal as described in Appendix 1, which calculates the reliability score based on the reliability score calculation rule and information about the digital content held by the user. [Note 3] The calculation means is a terminal as described in Appendix 2, which calculates the reliability score based on the ownership status of the digital content stored in the digital wallet. [Note 4] The calculation means is the terminal described in Appendix 2, which calculates the reliability score based on the usage history of the digital content stored in the digital wallet. [Note 5] The calculation means is the terminal described in Appendix 2, which calculates the reliability score based on the usage history of the service provided using the digital content stored in the digital wallet. [Note 6] On the device, A score indicating the trustworthiness of a user, which is used to calculate a reliability score for a service provider to determine whether or not to provide a service to the user. A terminal control method for transmitting the calculated reliability score to the service provider's terminal. [Note 7] On the computer installed in the terminal, A process for calculating a reliability score that indicates the trustworthiness of a user, which is used by a service provider to determine whether or not to provide a service to the user. The process of transmitting the calculated reliability score to the service provider's terminal, A computer-readable storage medium that stores a program to execute. [Note 8] The device owned by the user, The service provider manages the business terminal, Includes, The service provider terminal transmits to the terminal a reliability score calculation rule for calculating a reliability score, which is a score indicating the reliability of the user and is used to determine whether or not the service provider will provide a service to the user. The terminal calculates the user's reliability score based on the received reliability score calculation rule, and transmits the calculated reliability score to the carrier terminal. The aforementioned service provider terminal is a system that uses the received reliability score to determine whether or not it is possible to provide the service to the user, and notifies the service provider's employees of the determination result. [Note 9] If the service provider terminal is able to provide the service to the user, it will request the user to provide the necessary documents to provide the service. The system described in Appendix 8, wherein the terminal transmits to the business operator terminal the digital content specified by the business operator terminal from among the digital content stored in the digital wallet in response to the request. [Note 10] The aforementioned service provider terminal is the system described in Appendix 9, which transmits details of the services provided to the user to the terminal.

[0150] Furthermore, each disclosure of the above-mentioned prior art documents cited herein is incorporated herein by reference. Although embodiments of the present invention have been described above, the present invention is not limited to these embodiments. It will be understood by those skilled in the art that these embodiments are merely illustrative and that various modifications are possible without departing from the scope and spirit of the present invention. That is, the present invention naturally includes the entire disclosure, including the claims, and various modifications and alterations that can be made by those skilled in the art in accordance with the technical idea. [Explanation of symbols]

[0151] 10. Carrier terminals 20 devices 100 devices 101 Calculation method 102 Transmission means 201 Communication Control Unit 202 Digital Wallet Control Unit 203 History Generation Unit 204 Reliability Score Calculation Unit 205 Storage section 301 Communication Control Unit 302 Calculation Rule Acquisition Section 303 Service Provision Control Unit 304 Storage section 311 Processors 312 memory 313 Input / Output Interfaces 314 Communication Interface

Claims

1. A receiving means that receives from the service provider's terminal a reliability score calculation rule for calculating a reliability score that indicates the reliability of the user, which is used by the service provider to determine whether or not to provide a service to the user, A calculation means for calculating the reliability score based on the reliability score calculation rule and information about the digital content held by the user, A transmission means for transmitting the calculated reliability score to the service provider's terminal, Equipped with, The calculation means is a terminal that calculates the reliability score based on the ownership status of the digital content stored in the digital wallet.

2. A receiving means for receiving from the service provider's terminal a reliability score calculation rule for calculating a reliability score that indicates the reliability of a user, for determining whether or not the service provider will provide a service to the user, A calculation means for calculating the reliability score based on the reliability score calculation rule and information about the digital content held by the user, A transmission means for transmitting the calculated reliability score to the service provider's terminal, Equipped with, The calculation means is a terminal that calculates the reliability score based on the usage history of the digital content stored in the digital wallet.

3. A receiving means for receiving from the service provider's terminal a reliability score calculation rule for calculating a reliability score that indicates the reliability of a user, for determining whether or not the service provider will provide a service to the user, A calculation means for calculating the reliability score based on the reliability score calculation rule and information about the digital content held by the user, A transmission means for transmitting the calculated reliability score to the service provider's terminal, Equipped with, The calculation means is a terminal that calculates the reliability score based on the usage history of services provided using the digital content stored in the digital wallet.

4. On the device, A reliability score calculation rule for calculating a reliability score that indicates the reliability level of a user, which is used by the service provider to determine whether or not to provide a service to the user, is received from the service provider's terminal. The reliability score is calculated based on the reliability score calculation rules and the information on the digital content held by the user. A terminal control method for transmitting the calculated reliability score to the service provider's terminal, A terminal control method for calculating a reliability score based on the ownership status of the digital content stored in the digital wallet.

5. On the computer installed in the terminal, A process for receiving a reliability score calculation rule from the service provider's terminal, which is a score indicating the reliability of the user, for calculating a reliability score to determine whether or not the service provider will provide the service to the user, A process for calculating the reliability score based on the reliability score calculation rule and information about the digital content held by the user, The process of transmitting the calculated reliability score to the service provider's terminal, A program to execute, To the aforementioned computer, A program for further performing the process of calculating the reliability score based on the ownership status of the digital content stored in the digital wallet.

6. The device owned by the user, The service provider manages the business terminal, Includes, The service provider terminal transmits to the terminal a reliability score calculation rule for calculating a reliability score, which is a score indicating the reliability of the user and is used to determine whether or not the service provider will provide a service to the user. The terminal calculates the user's reliability score based on the reliability score calculation rule received from the carrier terminal and information regarding the digital content held by the user, and transmits the calculated reliability score to the carrier terminal. The service provider terminal is a system that uses the received reliability score to determine whether or not it is possible to provide the service to the user, and notifies the service provider's employees of the determination result, The terminal is a system that calculates the reliability score based on the ownership status of the digital content stored in the digital wallet.

7. If the service provider terminal is able to provide the service to the user, it will request the user to provide the necessary documents to provide the service. The system according to claim 6, wherein the terminal transmits to the operator terminal the digital content specified by the operator terminal from among the digital content stored in the digital wallet in response to the request.

8. The system according to claim 7, wherein the service provider terminal transmits details of the services provided to the user to the terminal.

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