Information processing device, information processing method, and program

Abstract

The objective is to provide information processing technology that improves the accuracy of identity verification for those who intend to conduct real estate transactions. [Solution] One aspect of the present disclosure relates to an information processing device comprising: a receiving unit that receives real estate information of real estate owned by a subject; a creation unit that creates questions for identity verification based on the real estate information; and an evaluation unit that obtains answers to the questions from the subject and outputs an identity verification evaluation result for the subject based on the answers.

Description

[Technical Field]

[0001] The present disclosure relates to an information processing apparatus, an information processing method, and a program. [Background Art]

[0002] Since the launch of ChatGPT in November 2022, the movement to actively utilize generative AI (Artificial Intelligence) in existing operations and create new services using generative AI has been expanding. In the real estate industry, along with the development of information and communication technology (ICT), various initiatives using such information and communication technology have been promoted, and these initiatives are referred to as "PropTech" (real estate technology).

[0003] For real estate such as land and buildings, a real estate registration system that publicly records ownership and right relationships has been established to clarify the owner and right relationships of the real estate and ensure the safety of real estate transactions. Registration information related to real estate registration can be obtained online, for example, using a registration information system such as the registration information providing service operated by the Japan Legal Affairs Association.

[0004] For example, Japanese Unexamined Patent Application Publication No. 2007-148475 describes a registration information management apparatus and a registration information management system capable of managing registration information including registration identification information. Specifically, the registration information management system described in Japanese Unexamined Patent Application Publication No. 2007-148475 describes acquiring registry information from a registry information providing server based on real estate information of a target security interest to be canceled or modified. [Prior Art Documents] [Patent Documents]

[0005] [Patent Document 1] Japanese Unexamined Patent Application Publication No. 2007-148475 [Summary of the Invention] [Problems to be Solved by the Invention]

[0006] In actual real estate transactions, while the registration information of the property being traded plays a crucial role, it is also necessary to verify that the person intending to trade the property is the true owner. However, because real estate is generally expensive, there is a risk that a false owner may impersonate the true owner to conduct real estate transactions.

[0007] One of the objectives of this disclosure is to provide information processing technology that improves the accuracy of identity verification for those who intend to conduct real estate transactions. [Means for solving the problem]

[0008] One aspect of this disclosure relates to an information processing device comprising: a receiving unit that receives real estate information of real estate owned by a subject; a creation unit that creates questions for identity verification based on the real estate information; and an evaluation unit that obtains answers to the questions from the subject and outputs an identity verification evaluation result for the subject based on the answers. [Effects of the Invention]

[0009] This disclosure provides information processing technology that can improve the accuracy of identity verification for persons intending to conduct real estate transactions. [Brief explanation of the drawing]

[0010] [Figure 1] Figure 1 is a schematic diagram illustrating an identity verification process according to one embodiment of the present disclosure. [Figure 2] Figure 2 is a block diagram showing the hardware configuration of an information processing device according to one embodiment of the present disclosure. [Figure 3] Figure 3 is a block diagram showing the functional configuration of an information processing device according to one embodiment of the present disclosure. [Figure 4] Figure 4 shows an identity verification page according to one embodiment of the present disclosure. [Figure 5] Figure 5 shows a prompt for generating identity verification questions according to one embodiment of the present disclosure. [Figure 6] Figure 6 shows a response page for answering questions for identity verification according to one embodiment of the present disclosure. [Figure 7] Figure 7 is a sequence diagram showing an identity verification process according to one embodiment of the present disclosure. [Modes for carrying out the invention]

[0011] Embodiments of this disclosure will be described below with reference to the drawings.

[0012] In the following embodiment, an information processing device is disclosed that performs identity verification to determine whether a person conducting a real estate transaction is the true owner of the property in question.

[0013] [Summary of this disclosure] In the embodiment described later, as shown in Figure 1, in order for a real estate agent, such as a real estate brokerage company, to safely conduct a real estate transaction with the owner of the property to be bought and sold, in step S101, the agent operates the user terminal 20 to send a request for identity verification to the owner to the information processing device 100. For example, when the agent enters the owner's name, etc., into the user terminal 20, the information processing device 100 displays real estate information related to the property owned by the owner (e.g., the location of the property, the name of the owner, etc.) on the user terminal 20. Then, when the agent sends a request for identity verification to the owner from the user terminal 20, the information processing device 100 accepts the request for identity verification to the owner.

[0014] In step S102, the information processing device 100 creates questions for identity verification based on the real estate information of the property owned by the person whose identity is to be verified. Specifically, the information processing device 100 uses a large-scale language model such as ChatGPT to generate identity verification questions and correct answers based on the real estate information of the property owned by the person. Such identity verification questions may be created from information that is considered to be unanswerable by a third party other than the person whose property is owned, information about the neighborhood of the property owned by the person, information about the usage status of the property owned, etc. For example, multiple questions, such as 10, may be created. The information processing device 100 provides the created questions to the user terminal 20.

[0015] In step S103, the information processing device 100 obtains answers to the identity verification questions. Specifically, the transaction representative provides the questions created by the information processing device 100 to the subject and obtains answers to each question from the subject. The transaction representative then operates the user terminal 20 to send the answers obtained from the subject to the information processing device 100.

[0016] In step S104, the information processing device 100 evaluates the responses from the subject obtained from the user terminal 20 and determines whether the subject is the true owner of the real estate subject to the transaction based on the evaluation results. The information processing device 100 then notifies the user terminal 20 of the identity verification evaluation results. The transaction representative can then determine whether the subject being dealt with is the owner of the real estate subject to the transaction based on the obtained identity verification evaluation results.

[0017] In this manner, the information processing apparatus 100 creates a question for confirming whether the subject is the owner of the real estate subject to transaction, and can evaluate whether the subject is the true owner of the real estate subject to transaction based on the answer to the created question. Further, according to such identity verification processing, there are no restrictions on the attributes of input characters such as alphanumeric characters and symbols, no restrictions on the number of input characters such as requiring a certain number of characters or more, no need for regular changes, and no need to memorize complex passwords. That is, it is possible to prevent the occurrence of login rejection processing or password resetting processing caused by unnecessary password mismatches. Note that, although in the embodiments described later, the subject is described as the owner of real estate, the identity verification processing according to the present disclosure is not necessarily limited to owners of real estate.

[0018] Here, the information processing apparatus 100 is implemented by a computing device such as a server, a personal computer, a smartphone, or a tablet, and may have a hardware configuration as shown in FIG. 2, for example. That is, the information processing apparatus 100 includes a memory 101, a storage 102, a processor 103, a communication device 104, a user interface (UI) 105, and a peripheral device interface 106, which are interconnected via a bus B.

[0019] Programs or instructions for implementing various functions and processes described later in the information processing apparatus 100 are stored in a removable storage medium such as a CD-ROM (Compact Disk-Read Only Memory) or a flash memory, and stored in the memory 101 and / or the storage 102 via the peripheral device interface 106. However, the programs or instructions do not necessarily need to be installed from a storage medium, and may be downloaded from any external device via a network or the like.

[0020] The memory 101 is implemented by a random access memory, a static memory, or the like, and when a program or instruction is activated, reads and stores the program, instruction, data, and the like from the storage 102.

[0021] The storage 102 is implemented by a hard disk drive or the like and stores files, data, etc., used to execute the installed program or instructions, along with the program or instructions themselves. The memory 101, storage 102, and removable storage medium may be collectively referred to as non-transitory storage medium.

[0022] The processor 103 may be implemented by one or more CPUs (Central Processing Units), GPUs (Graphics Processing Units), processing circuits, etc., which may consist of one or more processor cores, and executes various functions and processes of the information processing device 100 described later, according to data such as programs, instructions, and parameters necessary to execute the programs or instructions stored in the memory 101.

[0023] The communication device 104 is realized by various communication circuits that perform communication processing with external devices, the Internet, LAN (Local Area Network), WLAN (Wireless LAN), WiFi, and other communication networks.

[0024] The user interface (UI) 105 may consist of input devices such as a keyboard, mouse, camera, and microphone, output devices such as a display, speaker, headset, and printer, and input / output devices such as a touch panel, and realizes an interface between the user and the information processing device 100. For example, the user operates the information processing device 100 by operating a GUI (Graphical User Interface) displayed on the display or touch panel with a keyboard, mouse, etc.

[0025] The peripheral device interface 106 provides various interfaces for connecting to peripheral devices such as USB (Universal Serial Bus) ports and HDMI (High-Definition Multimedia Interface) ports.

[0026] However, the hardware configuration described above is merely an example, and the information processing device 100 according to this disclosure may be implemented by any other suitable hardware configuration.

[0027] [Information Processing Device] Next, an information processing device 100 according to one embodiment of the present disclosure will be described. Figure 3 is a block diagram showing the functional configuration of the information processing device 100 according to one embodiment of the present disclosure. As shown in Figure 3, the information processing device 100 has a receiving unit 110, a creation unit 120, and an evaluation unit 130. For example, one or more of the receiving unit 110, the creation unit 120, and the evaluation unit 130 may be realized by one or more processors 103 executing one or more programs or instructions stored in the memory 101.

[0028] The reception unit 110 receives real estate information about properties owned by the subject. For example, when a real estate agent negotiates with the owner of a property in question at a counter or meeting room, the agent wants to confirm that the owner they are negotiating with is the true owner of the property. Since real estate transactions generally involve large sums of money, there are people who try to impersonate owners, so it is necessary to prevent impersonation.

[0029] For example, the reception unit 110 displays an identity verification page on the user terminal 20, as shown in Figure 4, displaying the name or title of the person to be verified and the real estate owned by that person. When the user presses the "Request Identity Verification" button, the reception unit 110 accepts the identity verification request for the person specified on the identity verification page.

[0030] Here, the real estate owned by the subject may be entered on the user terminal 20 by the transaction representative or the like. Alternatively, when the subject's name or company name is entered on the user terminal 20, the reception unit 110 may search for the real estate owned by the subject in a database that stores real estate information and display the subject's real estate owned on the identity verification page from the detected real estate information. Alternatively, when the real estate subject to the transaction is specified on the map information displayed on the user terminal 20, the reception unit 110 may extract real estate information related to the specified real estate from the database and, based on the extracted real estate information, extract real estate information related to other real estate owned by the owner, along with the owner, and display it on the identity verification page.

[0031] When the reception unit 110 receives an identity verification request from the user terminal 20 specifying the name or title of the person concerned and real estate information of the property owned by that person, the reception unit 110 provides the name or title of the person concerned and the real estate information received from the user terminal 20 to the creation unit 120.

[0032] The creation unit 120 creates questions for identity verification based on real estate information. Specifically, the creation unit 120 creates prompts for a large-scale language model to generate identity verification questions and correct answers based on real estate information of the subject's owned properties obtained from the reception unit 110.

[0033] For example, questions for identity verification may relate to at least one of the following: information that cannot be answered by a third party, information about the surrounding area of ​​the property, and information about the property itself. Information that cannot be answered by a third party may include information about the subject's family or relatives, information about secured loans, and other information that cannot be easily answered by a third party other than the subject. Information about the surrounding area of ​​the property may include information about the surrounding environment of the property. Information about the property itself may include the current or past use of the property, and information about buildings constructed on the property.

[0034] For example, as shown in the identity verification page in Figure 4, when the system receives the subject "Taro Kanda" and the real estate properties owned by the subject "●-chome●-ban● Toranomon, Minato-ku, Tokyo", "●-chome●-ban● Higashi-Azabu, Minato-ku, Tokyo", "●-chome●-ban● Ginza, Chuo-ku, Tokyo", and "●-chome●-ban● Hongo, Bunkyo-ku, Tokyo", the creation unit 120 may create a prompt as shown in Figure 5.

[0035] As shown in the diagram, the creation unit 120 may create a prompt to input into the large-scale language model by adding the following description to a prompt template that includes the following descriptions regarding the person who submitted the request and the properties they own: "## Please create 10 questions for verifying the identity of "Taro Kanda" entered on the identity verification page. The questions should be multiple-choice and the correct answers should also be created.", "The questions for identity verification should be created from the following perspectives: questions that are considered not to be answerable by a third party other than the person themselves; questions about the surrounding environment of the owned real estate; questions about the acquisition history of the owned real estate, its shape, the road it is adjacent to, its current or past usage, the buildings and houses on which it is installed, etc.", and "## The questions should include three levels of difficulty: "difficult", "normal", and "easy," in roughly equal proportions."

[0036] Here, the instructions state, "Please create 10 questions to verify the identity of Mr. Taro Kanda, whose name was entered on the identity verification page. These should be multiple-choice questions, and you should also create the correct answers." This instructs the user to create multiple-choice questions for identity verification and their correct answers.

[0037] Furthermore, the document states, "Questions for identity verification should be prepared from the following perspectives: questions that cannot be answered by any third party other than the person themselves; questions concerning the surrounding environment of the owned property; and questions concerning the acquisition history, shape, roads it is adjacent to, current or past usage, and buildings / houses located on it." This indicates the type of questions that should be asked for identity verification.

[0038] Furthermore, the instruction, “##Please include questions of three difficulty levels: ‘difficult,’ ‘normal,’ and ‘easy,’ in roughly equal proportions,” specifies the creation of questions of different difficulty levels and their respective proportions. The creation unit 120 may, for example, specify the difficulty level set by the user terminal 20 as a prompt, or it may create questions of different difficulty levels in the specified proportions, as shown in the illustrated prompt.

[0039] The creation unit 120 inputs the created prompt into a large-scale language model and causes the large-scale language model to generate questions related to the owned property based on the real estate information. The large-scale language model here may be provided as an interactive generative AI such as ChatGPT or Claude, or it may be prepared by fine-tuning any large-scale language model for identity verification. Furthermore, the large-scale language model may be located on the cloud, or it may be located within the local network of the information processing device 100.

[0040] When the creation unit 120 obtains questions and correct answers generated from the large-scale language model, it provides the obtained questions and correct answers to the evaluation unit 130. For example, the creation unit 120 provides the following questions to the subject "Taro Kanda": Question #1 "How did you acquire the real estate owned at "●-chome, ●-ban, Toranomon, Minato-ku, Tokyo"? · Inherited from Akira Kanda. · Purchased from ▲▲ Real Estate Co., Ltd. · Inherited from Hana Kanda. · Purchased from ◆◆ Development Co., Ltd." and correct answer #1 "Inherited from Hana Kanda." Question #2 "●-chome, ●-ban, Hongo, Bunkyo-ku, Tokyo" Provide the evaluation unit 130 with the following questions: Which station is closest to the property owned by ●? ·Hakusan Station, ·Hongo-Sanchome Station, ·Korakuen Station, ·Myogadani Station" and the correct answer #2 "Myogadani Station", ..., Question #10 "When was the building built on the property owned by "●-chome ●-ban● Ginza, Chuo-ku, Tokyo" built? ·1981-1990, ·1991-2000, ·2001-2010, ·2011-2020" and the correct answer #10 "2011-2020".

[0041] The evaluation unit 130 obtains answers to questions from the subject and outputs an identity verification evaluation result for the subject based on the answers. Specifically, the evaluation unit 130 sends questions to the user terminal 20 and receives the subject's answers from the user terminal 20. The evaluation unit 130 may then compare the received answers with the correct answers and send the identity verification evaluation result for the subject to the user terminal 20.

[0042] For example, the evaluation unit 130 creates an answer page as shown in Figure 6 and displays the questions obtained from the creation unit 120 on the user terminal 20. On the illustrated answer page, the evaluation unit 130 provides all 10 questions obtained from the creation unit 120 to the user terminal 20 and has the subject answer all 10 questions. However, this disclosure is not necessarily limited to this, and the evaluation unit 130 may first provide some of the questions obtained from the creation unit 120 to the user terminal 20, evaluate the subject's answers to these questions, and then provide further questions to the user terminal 20. For example, the evaluation unit 130 may first provide the user terminal 20 with questions of "easy" difficulty, evaluate the answers to these questions, and then provide the user terminal 20 with questions of "medium" difficulty.

[0043] When the evaluation unit 130 obtains the subject's responses from the user terminal 20, it compares them with the correct answers provided by the large-scale language model to determine whether the subject's answers to each question are correct. The evaluation unit 130 then calculates the correct answer rate (i.e., the number of correct answers relative to the number of questions) based on the determination result, and determines whether the subject is the true owner of the real estate subject to the transaction depending on whether the correct answer rate is above a predetermined threshold.

[0044] Specifically, if the accuracy rate is above a predetermined threshold, the evaluation unit 130 may evaluate that the subject is the true owner of the real estate subject to the transaction. If the accuracy rate is below the predetermined threshold, the evaluation unit 130 may evaluate that the subject is not the true owner of the real estate subject to the transaction. The evaluation unit 130 then notifies the user terminal 20 of the identity verification evaluation result obtained in this manner.

[0045] Furthermore, the identity verification assessment provided in this disclosure is not necessarily limited to the rate of correct answers, and other evaluation metrics may be used. For example, points may be assigned to correct answers according to their difficulty level, and identity verification may be performed based on whether the total score exceeds a predetermined score. Typically, questions with higher difficulty levels may be assigned relatively higher scores, and questions with lower difficulty levels may be assigned relatively lower scores. In addition, the identity verification assessment results are not necessarily limited to evaluating whether or not the person is who they claim to be, but may also include evaluation values ​​indicating the likelihood of them being who they claim to be, and other evaluation results such as whether or not further questions are necessary in addition to determining whether or not the person is who they claim to be.

[0046] According to the information processing device 100 of this embodiment, it is possible to create questions that only the owner of the real estate being traded would know, and to evaluate whether the person is the owner of the real estate based on their answers to the created questions. Furthermore, according to the information processing device 100, there are no restrictions on the attributes of input characters such as alphanumeric characters and symbols, or on the number of input characters such as minimum characters, and there is no need to change the password periodically or remember a complex password. In other words, it is possible to prevent the occurrence of login rejection processing or password reset processing due to unnecessary password mismatches.

[0047] [Identity Verification Process] Next, with reference to Figure 7, an identity verification process according to one embodiment of the present disclosure will be described. Figure 7 is a flowchart of the identity verification process according to one embodiment of the present disclosure. The identity verification process is performed by the information processing device 100 and the user terminal 20 described above, and more specifically, it may be realized by one or more processors 103 of the information processing device 100 and the user terminal 20 executing one or more programs or instructions stored in one or more memories 101.

[0048] As shown in Figure 7, in step S201, the user terminal 20 transmits information about the subject, such as the name or title of the subject, who is a customer of the real estate brokerage company, to the information processing device 100. For example, the user terminal 20 transmits to the information processing device 100 the name or title of the subject entered on the identity verification page by the transaction representative of the real estate brokerage company.

[0049] In step S202, the information processing device 100 identifies the real estate owned by the person whose name or designation was received from the user terminal 20. Specifically, the information processing device 100 searches a database containing real estate information such as real estate registration information to identify the real estate owned by the person whose name or designation was received, and extracts real estate information related to the identified real estate (for example, location, land area, owner, rights holders other than ownership, road value, publicly announced land value, etc.) from the database.

[0050] In step S203, the information processing device 100 transmits real estate information of the subject's owned properties to the user terminal 20. Specifically, the information processing device 100 may display the subject's owned properties on an identity verification page as shown in Figure 4.

[0051] In step S204, the user terminal 20 receives a request for identity verification from the subject. Specifically, the transaction representative specifies all or part of the subject's real estate holdings and presses the "Request Identity Verification" button on the identity verification page displayed on the user terminal 20.

[0052] In step S205, the user terminal 20, in response to the pressing of the “Request Identity Verification” button, sends an identity verification request to the information processing device 100 for the target person.

[0053] In step S206, the information processing device 100 creates a question for identity verification. Specifically, the information processing device 100 creates a prompt to generate a question for identity verification based on the subject's name or title and the property information of the subject's property, and inputs the created prompt into a large-scale language model. The information processing device 100 then retrieves the question for identity verification and the correct answer from the large-scale language model. Such a question for identity verification may relate to at least one of the following: information that is considered not to be answerable by a third party, information about the property's surroundings, and information about the property itself.

[0054] In step S207, the information processing device 100 sends a question for identity verification obtained from the large-scale language model to the user terminal 20. For example, the information processing device 100 displays an answer page on the user terminal 20 as shown in Figure 6 and waits for the user terminal 20 to submit an answer.

[0055] In step S208, the user terminal 20 receives responses from the subject. For example, the transaction representative may present a question to the subject and receive responses to the presented question. Specifically, the transaction representative or the subject selects an appropriate answer option for the question on the response page.

[0056] In step S209, the user terminal 20 transmits the response received from the subject to the information processing device 100.

[0057] In step S210, the information processing device 100 performs an identity verification evaluation of the subject based on the subject's answers. Specifically, the information processing device 100 compares the subject's answers to each question with the correct answers and evaluates whether the subject is the true owner of the property based on the correct answer rate, etc. For example, if the correct answer rate is above a predetermined threshold, the information processing device 100 may evaluate the subject as the true owner of the property, and if the correct answer rate is below the predetermined threshold, the information processing device 100 may evaluate the subject as not being the true owner of the property.

[0058] In step S211, the information processing device 100 transmits the identity verification evaluation result of the subject to the user terminal 20. If a positive identity verification evaluation result is obtained, the transaction representative can determine that the subject is the true owner of the property being traded and proceed with the real estate transaction with confidence. On the other hand, if a negative identity verification evaluation result is obtained, the transaction representative can determine that the subject may not be the true owner of the property being traded and may request further identity verification.

[0059] According to the identity verification process of this embodiment, questions that only the owner of the property being traded could know are created, and based on the subject's answers to the created questions, it is possible to evaluate whether the subject is the owner of the property. Furthermore, with this identity verification process, there are no restrictions on the attributes of input characters such as alphanumeric characters and symbols, or on the number of input characters, and there is no need to change the password periodically or remember a complex password. In other words, it is possible to prevent the occurrence of login rejection processes or password reset processes due to unnecessary password mismatches.

[0060] Although embodiments of this disclosure have been described in detail above, this disclosure is not limited to the specific embodiments described above, and various modifications and changes are possible within the scope of the gist of this disclosure as described in the claims. [Explanation of symbols]

[0061] 20 User Terminals 100 Information Processing Devices 110 Reception Department 120 Creation Department 130 Evaluation Department

Claims

1. The reception department receives real estate information about properties owned by the subject, A creation unit that creates questions for identity verification based on the aforementioned real estate information, An evaluation unit obtains answers to the aforementioned questions from the aforementioned subject and outputs an identity verification evaluation result for the aforementioned subject based on the aforementioned answers. It has, The creation unit is an information processing device that adjusts the difficulty level of the questions.

2. We accept real estate information on properties owned by the target person, Based on the aforementioned real estate information, questions will be created for identity verification, Obtaining answers to the aforementioned questions from the aforementioned subjects, Based on the above response, output the results of the identity verification assessment for the subject, One or more computers execute this, The above-mentioned method of creating information processing is used to adjust the difficulty level of the aforementioned questions.

3. We accept real estate information on properties owned by the target person, Based on the aforementioned real estate information, questions will be created for identity verification, Obtaining answers to the aforementioned questions from the aforementioned subjects, Based on the above response, output the results of the identity verification assessment for the subject, Run this on one or more computers, The above-mentioned creation is a program that adjusts the difficulty level of the aforementioned questions.

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