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

Terminal, terminal control method, storage medium, and system

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

[0002] The technology exists for digital wallets.

[0003] For example, Patent Literature 1 discloses a device and method for using biometric technology to ensure secure transactions using blockchain technology. Patent Literature 1 further discloses that it alleviates at least some security-related issues in conventional blockchain digital wallets, particularly blockchain digital wallets that cannot reliably authenticate user identity information. Patent Literature 1 also discloses a method and apparatus for using authentication and data protection to implement a blockchain offline wallet using biometrics.

[0004] Special Publication No. 2022-508773

[0005] When providing a service to a user, a service provider may require the user to present identification, qualification certificates, etc. In such cases, the decision on whether to provide the service is often based on the validity of the identification, etc. presented by the user (user's digital wallet).

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

[0007] Specifically, a service provider cannot determine whether a user wishing to receive a service is trustworthy based solely on the user's personal information (e.g., address, age).Similarly, even if an identification document such as a student ID card is genuine, the service provider cannot determine whether the user is trustworthy.

[0008] A primary object of the present invention is to provide a terminal, a terminal control method, a storage medium, and a system that contribute to enabling a service provider to more accurately determine whether or not to provide a service to a user.

[0009] According to a first aspect of the present invention, there is provided a terminal comprising: a calculation means for calculating a reliability score indicating a user's reliability, the reliability score being used by a service provider to determine whether or not to provide a service to the user; and a transmission means for transmitting the calculated reliability score to an operator terminal of the service provider.

[0010] According to a second aspect of the present invention, there is provided a method for controlling a terminal, which calculates a reliability score in a terminal, which indicates the reliability of a user and is used to determine whether a service provider will provide a service to the user, and transmits the calculated reliability score to an operator terminal of the service provider.

[0011] According to a third aspect of the present invention, there is provided a computer-readable storage medium that stores a program for causing a computer mounted on a terminal to execute the following processes: calculating a reliability score that indicates the trustworthiness of a user and is used by a service provider to determine whether or not to provide a service to the user; and transmitting the calculated reliability score to the operator terminal of the service provider.

[0012] According to a fourth aspect of the present invention, there is provided a system including a terminal held by a user and an operator terminal managed by a service provider, wherein the operator terminal transmits to the terminal a reliability score calculation rule for calculating a reliability score which indicates the trustworthiness of the user and is used to determine whether 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 operator terminal, and the operator terminal uses the received reliability score to determine whether it is possible to provide a service to the user and notifies an employee of the service provider of the determination result.

[0013] According to each aspect of the present invention, a terminal, a terminal control method, a storage medium, and a system are provided that contribute to enabling a service provider to more accurately determine whether to provide a service to a user. Note that the effects of the present invention are not limited to those described above. The present invention may achieve other effects instead of or in addition to the above effects.

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

[0015] First, an overview of one embodiment will be described. Note that the reference numerals in the drawings are added to each element for convenience as an example to facilitate understanding, and the description of this overview is not intended to be limiting in any way. Furthermore, unless otherwise specified, the blocks shown in each drawing represent functional units, not hardware units. Connection lines between blocks in each drawing include both bidirectional and unidirectional lines. Unidirectional arrows are used to schematically indicate the flow of the main signal (data) and do not exclude bidirectionality. Note that in this specification and drawings, elements that can be similarly described may be assigned the same reference numerals to avoid redundant explanation.

[0016] The terminal 100 according to one embodiment includes a calculation unit 101 and a transmission unit 102 (see FIG. 1). The calculation unit 101 calculates a reliability score indicating the reliability of a user and used to determine whether a service provider will provide a service to the user (step S1 in FIG. 2). The transmission unit 102 transmits the calculated reliability score to the operator terminal of the service provider (step S2).

[0017] The terminal 100 calculates a reliability score, which is an index indicating the user's trustworthiness in the real world. The terminal 100 notifies the service provider of the calculated reliability score. The service provider can determine whether to provide a service to the user based on the reliability score. In other words, the terminal 100 enables the service provider to more accurately determine whether to provide a service to the user. For example, the reliability score is calculated based on information about digital content stored in the digital wallet, thereby visualizing (quantifying) the user's trustworthiness. The service provider can objectively determine whether to provide a service based on the visualized reliability score. In other words, the reliability score calculated by the terminal 20 provides 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] [System Configuration] As shown in FIG. 3, the information processing system according to the first embodiment includes at least one service provider.

[0021] A service provider is a business that provides services to users. For example, a service provider may be a business that operates transportation services such as railways, buses, and airplanes. Alternatively, a service provider may be a retail store, a restaurant, or other business.

[0022] Alternatively, service providers include real estate management companies that provide rental services for apartments, etc., consumer finance companies that provide loans to individuals, rental businesses that provide rental services for cars, etc. Alternatively, service providers include companies that employ employees and develop businesses, etc. Service providers are not limited to private companies, and also include public institutions such as city halls, non-governmental organizations (NGOs), non-profit organizations (NPOs), and other organizations as service providers disclosed in the present application.

[0023] Service providers may require users to present certificates that correspond to the business of their company (organization). For example, rental companies and consumer finance companies that lend cars to users may require users to present identification. Retail stores that sell tobacco, alcohol, etc. may require users to present certificates that can verify their age. Companies that offer internship opportunities to students may require students to present certificates related to their qualifications.

[0024] Each service provider has a provider terminal 10 that is used when providing services to users. That is, the provider terminal 10 is a terminal that is managed by the service provider.

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

[0026] An employee of the service provider operates the business operator terminal 10 to provide the service to the user.

[0027] The user carries a terminal 20 .

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

[0029] 3 is an example and is not intended to limit the scope of the present invention. For example, each service provider may include a plurality of business operator terminals 10.

[0030] [Overall Operation] Next, an overall operation of the information processing system according to the first embodiment will be described.

[0031] <Preparing a Digital Wallet> The user's terminal 20 has a digital wallet function. A digital wallet is an electronic information storage service that guarantees information security, such as data integrity, reliability, and availability. While it is desirable for a digital wallet to be managed in a self-sovereign manner, it may also be managed by an entity other than the user.

[0032] A user installs an application for realizing a digital wallet on their terminal 20. By opening a digital wallet on terminal 20, the user can store various digital content on terminal 20, such as electronic money, identification cards such as student ID cards, 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 such as that shown in Fig. 4. The digital content stored in the terminal 20 includes official identification documents such as passports and driver's licenses, and student ID cards issued by universities.

[0034] <Receiving a Service> A user who wishes to receive a service from a service provider requests this from an employee of the service provider. In response to this request, the employee of the service provider operates the business operator terminal 10 to enable communication between the user's terminal 20 and the business operator terminal 10. For example, the terminal 20 and the business operator terminal 10 are connected by a short-range wireless communication method such as Bluetooth (registered trademark) or NFC (Near Field Communication). Alternatively, the terminal 20 and the business operator terminal 10 may be connected using a mobile communication method such as 4G (4th Generation) or 5G (5th Generation) or a wireless LAN (Local Area Network) such as Wi-Fi (Wireless Fidelity).

[0035] When the terminal 20 and the provider terminal 10 are connected, the provider terminal 10 requests the terminal 20 to provide a "reliability score" relating to the user who wishes to receive the service.

[0036] The trustworthiness score is an index that indicates the degree of trustworthiness of a user in the real world. For example, a user who possesses identification such as a student ID or passport is judged to have a certain degree of trustworthiness. Alternatively, a user who frequently returns rented items late or who frequently repays loans late is judged to have low trustworthiness.

[0037] The service provider determines whether to provide the service to a user (a user who wishes to receive the service) based on the reliability score provided by the terminal 20. The service provider refuses to provide the service to a user whose reliability score is lower than a threshold determined by the service provider.

[0038] Here, the criteria (contents) for calculating the reliability score differ for each service provider. For example, in a retail store where the provision of a service is completed once the payment for the product is completed, the level of reliability required of the user is low. In this case, for example, the retail store may determine that it is sufficient for the user to have an identification card or a credit card.

[0039] In contrast, service providers such as rental businesses and consumer finance companies, whose services are completed by collecting rented items or loans, require a high level of trust from users. In this case, for example, rental businesses require users not only to possess identification but also to use that identification multiple times. Similarly, service providers that provide rental services for apartments and the like require a high level of trust from users. Real estate management companies and the like require users to use their identification multiple times.

[0040] As described above, each service provider has a different method (calculation criteria) for calculating the reliability score for a service user (a user who receives the service) depending on the type of business and philosophy (policy) of the service provider. Therefore, the service provider notifies the terminal 20 of reliability score calculation rules according to its own policies, etc. In other words, since each service provider places emphasis on different items, the criteria (reliability score calculation rules) according to the items that each service provider places emphasis on are transmitted to the terminal 20.

[0041] Specifically, the operator terminal 10 transmits a "request for reliability score provision" including reliability score calculation rules (hereinafter, sometimes simply referred to as calculation rules) to the terminal 20 (step S01 in FIG. 5).

[0042] In response to receiving the reliability score request, the terminal 20 calculates the reliability score of the user. For example, the terminal 20 calculates the reliability score using the ownership status and usage history of digital content stored in the digital wallet.

[0043] Terminal 20 stores the ownership status of each digital content stored in the digital wallet, such as the type (student ID, passport, credit card, etc.), number of pieces, and ownership period. Terminal 20 also stores the content usage history for each digital content. Terminal 20 calculates a reliability score based on the ownership status of the digital content, the digital content usage history, and calculation rules obtained from the service provider.

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

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

[0046] If it is determined that the service cannot be provided, the business operator terminal 10 notifies an employee of the service provider of that fact. The employee of the service provider then informs the user in front of the user that the service cannot be provided.

[0047] If it is determined that the service can be provided, the business operator terminal 10 notifies an employee of the service provider of this fact. The employee of the service provider then provides the service to the user in front of the user. For example, an employee of a retail store sells a product and processes payment for it. Or, an employee of a rental business lends out a rental item.

[0048] When providing a service to a user, an employee of the service provider may request the terminal 20 to provide information necessary to provide the service to the user.

[0049] For example, a retail store employee may require a user (user terminal 20) to provide identification such as a driver's license when purchasing an item with an age restriction, such as tobacco or alcohol. Alternatively, a rental car company may require a user to provide their company's membership card, driver's license, identification, or the like.

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

[0051] When the request for providing the necessary documents is received, the terminal 20 transmits the digital content (such as a certificate) stored in the digital wallet and designated by the service provider to the business operator terminal 10 (step S04).

[0052] When the service provider has completed providing the service, the employee or the like inputs this fact into the business operator terminal 10. The business operator terminal 10 notifies the terminal 20 of details of the service provided to the user. The business operator terminal 10 transmits a "service provided notification" including detailed information of the service provided to the user to the terminal 20 (step S05).

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

[0054] Upon receiving the provided service notification, the terminal 20 stores detailed information about the provided service contained in the notification in the history management database. The terminal 20 uses the information contained in the provided service notification to update the usage history of the digital content. The terminal 20 also uses the information contained in the provided service notification to create and update a usage history (service usage history) about the services received by the user. Details of the history management database will be described later.

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

[0056] [Terminal] Fig. 6 is a diagram showing an example of the processing configuration (processing module) of the terminal 20 according to the first embodiment. Referring to Fig. 6, the terminal 20 includes 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 operator terminal 10. The communication control unit 201 also transmits data to the operator terminal 10. The communication control unit 201 passes data received from other devices to other processing modules. The communication control unit 201 transmits data acquired from other processing modules to other devices. In this way, other processing modules transmit and receive data to and from other devices via the communication control unit 201. The communication control unit 201 has a function as a receiving unit that receives data from other devices and a function as a transmitting unit that transmits data to other devices.

[0058] The communication control unit 201 communicates with the business operator terminal 10 using a short-range wireless communication method such as Bluetooth (registered trademark) or NFC (Near Field Communication).

[0059] The digital wallet control unit 202 is a means for managing and controlling the digital wallet. Explanations of installing the digital wallet application and obtaining digital content will be omitted here, as installing the digital wallet application and obtaining digital content 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 digital wallet contents.

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

[0062] As shown in Fig. 7, the content management database stores the type of digital content, related information for each content (for example, the issuer of a certificate, etc.), the acquisition date of the digital content (the date of storage in the digital wallet), etc. Note that the content management database shown in Fig. 7 is an example and is not intended to limit the items to be stored.

[0063] Furthermore, the digital wallet control unit 202 processes a request to provide necessary documents received from the business operator terminal 10. The digital wallet control unit 202 reads documents specified by the service provider (information identifying the digital content included in the request to provide necessary documents; 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 affirmative response including the read document to the business 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 that effect to the business operator terminal 10.

[0066] The history generation unit 203 is a means for generating a content usage history and a service usage history. The history generation unit 203 processes a provided service notification received from the provider terminal 10. The history generation unit 203 creates and updates a content usage history and a service usage history based on information included in the provided service notification.

[0067] When the history generating unit 203 receives the provided service notification, it adds a new entry to the history management database (see FIG. 8). The history generating unit 203 stores information included in the provided service notification in the added entry.

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

[0069] The special notes may include the rental period and rental start date of the rental item. Alternatively, the special notes may include the amount of loan provided 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 a user and is used to determine whether a service provider will provide a service to the user.

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

[0072] For example, a reliability score calculation rule may be, for example, "10 points are awarded for possession of one identification card, and the total points of each identification card is the reliability score." In this case, the reliability score calculation unit 204 refers to the content management database (content possession status) and calculates the reliability score based on the possession status of the identification card among the digital content stored in the digital wallet.

[0073] Alternatively, an example of a reliability score calculation rule is, "If each identification card has been used 10 or more times in the past year, 10 points are assigned to each identification card, and the total points for each identification card is 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 card has been used during the period up to one year prior to the date of receipt of the reliability score provision request. The reliability score calculation unit 204 determines whether the identification card has been used 10 or more times and calculates the number of points for each identification card. The reliability score calculation unit 204 totals the points for each identification card and calculates the total as the reliability score.

[0074] Alternatively, an example of a reliability score calculation rule is, "10 points are awarded for 20 or more credit card payments in the past year, and 10 points are awarded for 40 or more electronic money payments, and the total of these points is the reliability score." In this case, the reliability score calculation unit 204 refers to the history management database and counts the number of payments made using credit cards or electronic money during the period up to one year prior to the date of receipt of the reliability score provision 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] The reliability score calculation rule may use the type, number, number of uses, frequency of use, last use date, holding period, etc. of certificates stored in the digital wallet. For example, calculating the reliability score based on the number of uses of digital content (number of times provided to the service provider), frequency of use, last use date, etc. provides circumstantial evidence that the user (certificate or digital wallet holder) has repeatedly earned trust in the real world.

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

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

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

[0079] In this way, the reliability score calculation unit 204 calculates the reliability score based on the ownership status of the digital content stored in the digital wallet. Alternatively, the reliability score calculation unit 204 calculates the reliability score based on the usage history of the digital content stored in the digital wallet. Alternatively, the reliability score calculation unit 204 calculates the reliability score based on the usage history of the service provided using the digital content stored in the digital wallet.

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

[0081] 9 is a diagram showing an example of a processing configuration (processing module) of the operator terminal 10 according to the first embodiment. Referring to FIG. 9, the operator terminal 10 includes 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 the terminal 20. The communication control unit 301 also transmits data to the terminal 20. The communication control unit 301 passes data received from other devices to other processing modules. The communication control unit 301 transmits data acquired from other processing modules to other devices. In this way, other processing modules transmit and receive data to and from other devices via the communication control unit 301. The communication control unit 301 has a function as a receiving unit that receives data from other devices and a function as a transmitting unit that transmits data to other devices.

[0083] The communication control unit 301 communicates with the terminal 20 using a short-range wireless communication method 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 the reliability score calculation rule, and acquires the reliability score calculation rule using a GUI (Graphical User Interface) or the like.

[0085] For example, the calculation rule acquisition unit 302 acquires the reliability score calculation rule and the threshold value for determining whether or not to provide the service to the user, using a GUI such as that shown in Fig. 10. The calculation rule acquisition unit 302 stores the acquired reliability score calculation rule and threshold value 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 (number of points to be given to each item).

[0087] The calculation rule acquisition unit 302 may acquire the calculation rule and the threshold value using an external storage medium such as a Universal Serial Bus (USB) memory. A person in charge of the service provider may determine the reliability score calculation rule and the threshold value 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 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 (registered trademark). Alternatively, the service provision control unit 303 controls an NFC card reader.

[0090] When the terminal 20 and the provider terminal 10 become able to communicate with each other, the service provision control unit 303 transmits a reliability score provision request including the reliability score calculation rule to the terminal 20 .

[0091] The service provision control unit 303 receives the reliability score calculated by the 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 a service to the user in front of the user based on the received reliability score. Specifically, the service provision control unit 303 makes the above determination based on the reliability score and the result of threshold processing using the threshold value acquired by the calculation rule acquisition unit 302.

[0093] If the reliability score is smaller than the threshold value, the service provision control unit 303 notifies an employee of the service provider that the service cannot be provided to the user in front of the user.

[0094] If the reliability score is equal to or greater than the threshold, the service provision control unit 303 notifies an employee of the service provider that the service can be provided to the user in front of the user.

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

[0096] For example, when cigarettes or the like are sold to a user, the service provision control unit 303 requests the terminal 20 to provide an identification card for age verification. Alternatively, when a rental car or the like is rented, the service provision control unit 303 requests the terminal 20 to provide a driver's license, membership card, or the like.

[0097] The service provision control unit 303 transmits to the terminal 20 a required document provision request including information specifying the required documents (certificate, membership card, etc.) that the user is requested to provide.

[0098] The service provision control unit 303 receives a response (positive response, negative response) to the required document provision request.

[0099] When the requested necessary documents are obtained (when a positive response is received), the service provision control unit 303 presents the obtained necessary documents to an employee or the like of the service provider. The employee or the like checks the presented necessary documents and provides the service to the user. For example, when a user attempts to purchase a product with an age restriction, whether or not the product can be sold is determined based on the age obtained from the identification card.

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

[0101] Detailed explanations regarding documents required for providing individual services will be omitted, as the documents required for each service are different from the scope of the present disclosure.

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

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

[0104] 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 FIG.

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

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

[0107] In this way, the business operator terminal 10 transmits to the terminal 20 a reliability score calculation rule for calculating a reliability score that indicates the reliability of the user and is used to determine whether or not a service provider will provide a service to the user. The terminal 20 calculates the reliability score of the user based on the received reliability score calculation rule, and transmits the calculated reliability score to the business operator terminal 10.

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

[0109] The terminal 20 transmits to the business operator terminal 10 the digital content designated by the business operator terminal 10 from among the digital content stored in the digital wallet (step S04).

[0110] When the service provider has finished providing the service, the business operator terminal 10 transmits a "provided service notification" including detailed information about the provided service to the terminal 20 (step S05).

[0111] In this way, when it is determined that the business operator terminal 10 can provide the service to the user based on the reliability score, the business operator terminal 10 requests the terminal 20 to provide the documents necessary to provide the service to the user. In response to the request, the terminal 20 transmits to the business operator terminal 10 the digital content specified by the business operator terminal 10 from the digital content stored in the digital wallet. Furthermore, when the service provider completes providing the service, the business operator terminal 10 transmits details of the service provided to the user to the terminal 20.

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

[0113] <Variation 1> The business operator terminal 10 may verify the authenticity of a certificate or the like obtained from the terminal 20. For example, the terminal 20 performs identity verification using a My Number card or the like when opening a digital wallet. The terminal 20 stores the biometric information (e.g., a facial image) of a user whose identity has been successfully verified as the biometric information of the digital wallet holder. When the necessary documents are submitted, the terminal 20 also transmits the biometric information of the digital wallet holder to the business operator terminal 10. The business operator terminal 10 photographs the user in front of it to acquire the biometric information, and performs authentication processing using the acquired biometric information and the biometric information of the digital wallet holder. If the authentication processing is successful, the business operator terminal 10 may determine that it is possible to provide services to the user. In other words, if the user is not successfully authenticated, the service will not be provided to the user.

[0114] <Variation 2> In addition to or instead of when the service provider starts providing a service to a user, when the provision of the service is completed, the business operator terminal 10 may transmit a provided service notification to the terminal 20. For example, when a rental item such as a rental car is returned, the provided service notification may be transmitted to the terminal 20. In this case, the provided service notification may include an evaluation of the user who received the service or information for evaluating the user. For example, a user who returns the rental item without delay may be given a "good" evaluation, and a user who returns the rental item late may be given a "bad" evaluation. Alternatively, the number of days the rental item is late in returning may be transmitted to the terminal 20.

[0115] In such a case, the service provider may set rules for calculating the reliability score for the user's evaluation. For example, the service provider may give positive points to a "good" evaluation and negative points to a "bad" evaluation.

[0116] Alternatively, the service provider may set a reliability score calculation rule that uses the number of days or number of delays in returning a rented item. For example, the rental business may set a reliability score calculation rule that gives a negative reliability score to a user who returns a rented item many days late over a certain period of time. Alternatively, the rental business may set a reliability score calculation rule that gives a negative reliability score to a user who returns a rented item many times late over a certain period of time.

[0117] In this way, the service provider may set a reliability score calculation rule that is calculated based on the service provision status of other companies in the same industry (service usage history of other companies in the same industry).

[0118] <Variation 3> In addition to or instead of using the reliability score to determine whether or not to provide a service, a service provider may determine the content of the service to be provided and the content of the benefits to be given to users. For example, a restaurant or the like may give priority to accepting reservations from users with a high reliability score. Alternatively, a restaurant or the like may require a deposit from users with a low reliability score. Alternatively, a retail store may give many benefits (for example, large discounts, big points, coupons, etc.) to users with a high reliability score.

[0119] As described above, the terminal 20 according to the first embodiment calculates a reliability score based on information about digital content stored in a digital wallet and reliability score calculation rules acquired from a service provider. For example, the terminal 20 calculates the reliability score based on the digital content ownership status (e.g., certificate type, number, and ownership period) and the digital content usage history (e.g., number of uses, frequency of use). The terminal 20 presents the calculated reliability score to the service provider. As a result, the user's trustworthiness is visualized, allowing the service provider to determine whether to provide a service to the user based on objective indicators.

[0120] Furthermore, the calculation criteria and rules for reliability scores usually differ for each service provider. Therefore, the service provider sets reliability score calculation rules in the business operator terminal 10 according to the type of business and policies of the service provider. Each time a user requests the provision of a service, the business operator terminal 10 transmits the reliability score calculation rules to the user's terminal 20. The terminal 20 generates a reliability score based on the acquired reliability score calculation rules and provides it to the service provider. As a result, the service provider is provided with a reliability score according to criteria (evaluation axes) that differ depending on each service provider.

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

[0122] Next, the hardware of each device constituting the information processing system will be described. Fig. 12 is a diagram showing an example of the hardware configuration of the terminal 20.

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

[0124] However, the configuration shown in Fig. 12 is not intended to limit the hardware configuration of the terminal 20. The terminal 20 may include hardware not shown, and may not include the input / output interface 313 as necessary. Furthermore, the number of processors 311 and the like included in the terminal 20 is not intended to be limited to the example shown in Fig. 12, and for example, the terminal 20 may include multiple processors 311.

[0125] The processor 311 is a programmable device such as a central processing unit (CPU), a micro processing unit (MPU), or a digital signal processor (DSP). Alternatively, the processor 311 may be a device such as a field programmable gate array (FPGA) or an application specific integrated circuit (ASIC). The processor 311 executes various programs including an operating system (OS).

[0126] The memory 312 is a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), a solid state drive (SSD), etc. The memory 312 stores an OS program, application programs, and various data.

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

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

[0129] The functions of the terminal 20 are realized by various processing modules. The processing modules are realized, for example, by the processor 311 executing a program stored in the memory 312. The program can be recorded on a computer-readable storage medium. The storage medium can be a non-transitory medium such as a semiconductor memory, a hard disk, a magnetic recording medium, or an optical recording medium. That is, the present invention can also be embodied as a computer program product. The program can be downloaded via a network or updated using a storage medium storing the program. The processing modules can also be realized by semiconductor chips.

[0130] The business operator terminal 10 can also be configured by an information processing device, similar to the terminal 20, and its basic hardware configuration is no different from that of the terminal 20, so a description thereof will be omitted.

[0131] Terminal 20, which is an information processing device, is equipped with a computer, and functions of terminal 20 can be realized by having the computer execute a program. Terminal 20 also executes a control method for terminal 20 using the program. Similarly, business operator terminal 10 is equipped with a computer, and functions of business operator terminal 10 can be realized by having the computer execute a program. Business operator terminal 10 also executes a control method for business operator terminal 10 using the program.

[0132] [Modification] The configuration, operation, etc. of the information processing system described in the above embodiment are merely examples, and are not intended to limit the configuration, etc. of the system.

[0133] In the above embodiment, a case has been described in which a reliability score calculation rule is transmitted from the business operator terminal 10 to the terminal 20 when a service is provided to a user. However, the reliability score calculation rule may be set in advance in the terminal 20. For example, a plurality of reliability score calculation rules may be preset in the terminal 20, and the business operator terminal 10 may specify a calculation rule to be adopted by the business operator from among the preset reliability score calculation rules. In other words, the business operator terminal 10 may specify a reliability score calculation rule to be adopted by the business operator from among the plurality of reliability score calculation rules preset in the terminal 20, and request the provision of a reliability score.

[0134] The service provider may prepare a plurality of reliability score calculation rules with different perspectives and transmit the plurality of reliability score calculation rules to the terminal 20. For example, the business operator 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 types of calculation rules and transmits the calculated reliability score to the business operator terminal 10. The business operator terminal 10 may use the reliability scores generated from the five types of calculation rules to determine whether to provide a service to a user.

[0135] Furthermore, a service provider may adopt reliability score calculation rules prepared in advance by a management association or the like made up of other companies in the same industry. In this case, each service provider may determine the threshold value or the like of the reliability score calculation rules according to its own security policy or the like. In other words, the reliability score calculation rules may be standardized among multiple service providers, and each service provider may determine the threshold value for determining whether or not the service can be provided.

[0136] The business operator terminal 10 may transmit a function for outputting a reliability score as a reliability score calculation rule to the terminal 20. That is, the business operator terminal 10 may transmit a calculation algorithm for the reliability score to the terminal 20. Furthermore, the business operator terminal 10 may determine a calculation algorithm that matches the company's policies, etc., from among a plurality of calculation algorithms, and transmit the determined calculation algorithm to the terminal 20 as a reliability score calculation rule.

[0137] As shown in FIG. 5 , in the above embodiment, the business operator terminal 10 requests the terminal 20 to submit a reliability score and required documents at different times. However, the business operator terminal 10 may request the reliability score and required documents at the same time. In this case, the business operator terminal 10 may transmit a reliability score provision request including information specifying the reliability score calculation rule and the required documents to the terminal 20. The terminal 20 may transmit the calculated reliability score and the specified required documents to the business operator terminal 10.

[0138] The provider terminal 10 may transmit a learning model that outputs a reliability score when the content ownership status and content usage history are input to the terminal 20 as a reliability score calculation rule. The 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 institutions or organizations. For example, the reliability score calculation rule may be calculated using information obtained from a credit card company. For example, the reliability score may be calculated based on the credit card usage history. For example, the reliability score calculation rule may be set so that a user with a late payment or the like is calculated to have a low reliability score. In this way, the service provider, in cooperation with the credit card company, may decide whether to provide the service based on the user's credit card usage status (payment status), etc.

[0140] The terminal 20 may present (notify) the user of the reliability score calculation rule acquired from the business operator terminal 10 and the reliability score calculated according to the calculation rule. By referring to the notified reliability score calculation rule, the user can know which content stored in the digital wallet was used to calculate the reliability score.

[0141] The terminal 20 may obtain consent from the user regarding the submission of the calculated reliability score before transmitting the reliability score to the business operator terminal 10. The terminal 20 may provide the reliability score to the service provider only if the user consents to the submission of the reliability score.

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

[0143] When the business operator terminal 10 determines not to provide the service to the user based on the reliability score, it may notify the terminal 20 of that fact. At that time, the business operator terminal 10 may notify the terminal 20 of the reason why the service cannot be provided to the user. For example, the business operator terminal 10 may notify the terminal 20 that the number of times the identification card has been used has not reached a standard (threshold) set by the service provider. Alternatively, the business operator terminal 10 may notify the terminal 20 of advice regarding actions, measures, etc. required for the user to enjoy the service. For example, if the reason for not being able to receive the service is frequent delays in the delivery of rental items, the business operator terminal 10 may send advice to the terminal 20 to return the rental items on time.

[0144] Information on the reliability score calculation rules and required documents required by each service provider from users may be posted on a website or the like that compiles information on each industry (service). The terminal 20 may obtain the reliability score calculation rules and required document information from the website or the like, rather than from the business operator terminal 10. Alternatively, the reliability score and required document information may be pre-registered in an application installed on the terminal 20. With this configuration, users can learn in advance the policies (strictness of the calculation rules) of each service provider (service), the type of certificate and history status required to receive the service, etc. Users can consider (decide) whether to receive a service from a service provider after understanding the service provider's policies, etc. in advance. If users decide to use a service provider without knowing the information required by the service provider and then are asked for unexpected information, the user's enjoyment of the service will be delayed. Therefore, if users can understand the information required by the service provider in advance, they can make preparations such as accumulating the required history and preparing the required certificates. Alternatively, if a user can know in advance the information that will be required from a service provider, the user can decide to give up or withhold the use of the service from the service provider.

[0145] Some functions of the terminal 20 may be implemented in another apparatus, device, etc. More specifically, the above-described "history generation unit (history generation means)," "reliability score calculation unit (reliability score calculation means)," etc. may be implemented in any of the apparatuses included in the system.

[0146] In the flow charts (flowcharts, sequence diagrams) used in the above explanation, multiple steps (processes) are described in order, but the order of execution of the steps executed in the embodiments is not limited to the order described. In the embodiments, the order of the steps shown in the drawings can be changed to the extent that the content is not affected, such as by executing each process in parallel.

[0147] The above-described embodiments have been described in detail to facilitate understanding of the present disclosure, and it is not intended that all of the above-described configurations are required. Furthermore, when multiple embodiments are described, each embodiment may be used alone or in combination. For example, it is possible to replace part of the configuration of one embodiment with the configuration of another embodiment, or to add the configuration of another embodiment to the configuration of one embodiment. Furthermore, it is possible to add, delete, or replace part of the configuration of one embodiment with another configuration.

[0148] The above explanation makes clear the industrial applicability of the present invention, and the present invention is suitably applicable to information processing systems including service providers that provide services to users using certificates stored in digital wallets.

[0149] Some or all of the above embodiments may be described as, but are not limited to, the following supplementary notes. [Supplementary Note 1] A terminal comprising: a calculation means for calculating a reliability score indicating a user's trustworthiness, the reliability score being used to determine whether a service provider will provide a service to the user; and a transmission means for transmitting the calculated reliability score to an operator terminal of the service provider. [Supplementary Note 2] The terminal according to Supplementary Note 1 further comprises a reception means for receiving, from the operator terminal, a reliability score calculation rule for calculating the reliability score, wherein the calculation means calculates the reliability score based on the reliability score calculation rule and information related to digital content held by the user. [Supplementary Note 3] The terminal according to Supplementary Note 2, wherein the calculation means calculates the reliability score based on a holding status of the digital content stored in a digital wallet. [Supplementary Note 4] The terminal according to Supplementary Note 2, wherein the calculation means calculates the reliability score based on a usage history of the digital content stored in the digital wallet. [Supplementary Note 5] The terminal according to Supplementary Note 2, wherein the calculation means calculates the reliability score based on a usage history of a service provided using the digital content stored in the digital wallet. [Supplementary Note 6] A method for controlling a terminal, in which a terminal calculates a reliability score indicating a user's trustworthiness, the reliability score being used to determine whether a service provider will provide a service to the user, and transmits the calculated reliability score to an operator terminal of the service provider. [Supplementary Note 7] A computer-readable storage medium storing a program for causing a computer mounted on a terminal to execute the following processes: calculating a reliability score indicating a user's trustworthiness, the reliability score being used to determine whether a service provider will provide a service to the user; and transmitting the calculated reliability score to the operator terminal of the service provider.[Supplementary Note 8] A system including a terminal owned by a user and an operator terminal managed by a service provider, wherein the operator terminal transmits to the terminal a reliability score calculation rule for calculating a reliability score indicating the user's trustworthiness, the reliability score being used to determine whether the service provider will provide the user with a service, the terminal calculates the user's reliability score based on the received reliability score calculation rule and transmits the calculated reliability score to the operator terminal, and the operator terminal determines whether it is possible to provide the user with a service using the received reliability score and notifies an employee of the service provider of the determination result. [Supplementary Note 9] The system described in Supplementary Note 8, wherein, if it is possible to provide the service to the user, the operator terminal requests the terminal to provide documents necessary to provide the service to the user, and the terminal transmits to the operator terminal, in response to the request, digital content stored in a digital wallet that is specified by the operator terminal. [Supplementary Note 10] The system described in Supplementary Note 9, wherein the operator terminal transmits details of the service provided to the user to the terminal.

[0150] The disclosures of the above-cited prior art documents are incorporated herein by reference. Although the embodiments of the present invention have been described above, the present invention is not limited to these embodiments. Those skilled in the art will understand that these embodiments are merely illustrative and that various modifications are possible without departing from the scope and spirit of the present invention. In other words, the present invention naturally includes various modifications and alterations that may be made by those skilled in the art in accordance with the entire disclosure, including the claims, and the technical concepts thereof.

[0151] REFERENCE SIGNS LIST 10 Business operator terminal 20 Terminal 100 Terminal 101 Calculation means 102 Transmission means 201 Communication control unit 202 Digital wallet control unit 203 History generation unit 204 Reliability score calculation unit 205 Storage unit 301 Communication control unit 302 Calculation rule acquisition unit 303 Service provision control unit 304 Storage unit 311 Processor 312 Memory 313 Input / output interface 314 Communication interface

Claims

1. a calculation means for calculating a reliability score indicating the reliability of a user, the reliability score being used to determine whether a service provider will provide a service to the user; a transmitting means for transmitting the calculated reliability score to a business terminal of the service provider; A terminal comprising:

2. a receiving means for receiving a reliability score calculation rule for calculating the reliability score from the business operator terminal; The terminal according to claim 1 , wherein the calculation means calculates the reliability score based on the reliability score calculation rule and information relating to the digital content held by the user.

3. The terminal according to claim 2 , wherein the calculation means calculates the reliability score based on the ownership status of the digital content stored in a digital wallet.

4. The terminal according to claim 2 , wherein the calculation means calculates the reliability score based on a usage history of the digital content stored in a digital wallet.

5. The terminal according to claim 2 , wherein the calculation means calculates the reliability score based on a usage history of a service provided using the digital content stored in the digital wallet.

6. On the device, calculating a reliability score indicating the reliability of the user, the reliability score being used to determine whether a service provider will provide a service to the user; A terminal control method for transmitting the calculated reliability score to a business terminal of the service provider.

7. The computer installed in the device A process of calculating a reliability score indicating the reliability of a user, the reliability score being used to determine whether a service provider will provide a service to the user; a process of transmitting the calculated reliability score to a business terminal of the service provider; A program to execute.

8. A device owned by the user, A carrier terminal managed by a service provider; Including, the provider terminal transmits to the terminal a reliability score calculation rule for calculating a reliability score that indicates the reliability of the user and is used to determine whether the service provider will provide the service to the user; The terminal calculates the reliability score of the user based on the received reliability score calculation rule, and transmits the calculated reliability score to the carrier terminal; The business operator terminal uses the received reliability score to determine whether or not a service can be provided to the user, and notifies an employee of the service provider of the determination result.

9. If the provider terminal is able to provide the service to the user, the provider terminal requests the terminal to provide documents necessary for providing the service to the user; The system according to claim 8 , wherein the terminal transmits, in response to the request, digital content designated by the business operator terminal from among the digital content stored in the digital wallet to the business operator terminal.

10. The system according to claim 9 , wherein the operator terminal transmits details of the services provided to the user to the terminal.