Information processing method, program, and information processing device

Abstract

An information processing method according to one embodiment of the present disclosure recognizes an authentication voice input by a contracting party, and determines the validity of a contract on the basis of the recognized authentication voice. The information processing method according to one embodiment of the present disclosure determines whether registered voice information related to a registered voice registered in advance by the contracting party matches authentication voice information related to the authentication voice, and determines the feasibility of the contract on the basis of whether the registered voice information matches the authentication voice information.

Description

Information processing method, program, and information processing device

[0001] The present technology relates to an information processing method, a program, and an information processing device.

[0002] Conventionally, systems for establishing contracts using electronic signatures have been proposed. For example, the system described in Patent Literature 1 uses electronic signatures to establish lease contracts between lessors, including leasing companies, and lessees, including users of leased property, without the need for signatures or seals on documents.

[0003] Japanese Patent Application Laid-Open No. 2002-318977

[0004] Electronic signatures require a great deal of effort to ensure identity when signing a contract, and it is not easy to verify identity.

[0005] The present disclosure has been made in consideration of the above circumstances, and aims to provide an information processing method and the like that allows easy identity verification when entering into a contract.

[0006] An information processing method according to an embodiment of the present disclosure recognizes an authentication voice input by a contractor, and determines whether a contract is successful or not based on the recognized authentication voice.

[0007] A program according to an embodiment of the present disclosure recognizes an authentication voice input by a contractor, and determines whether the contract is successful or not based on the recognized authentication voice.

[0008] An information processing device according to an embodiment of the present disclosure includes a control unit that recognizes an authentication voice input by a contractor and determines whether the contract is successful or not based on the recognized authentication voice.

[0009] In the information processing method according to an embodiment of the present disclosure, identity verification can be easily performed when making a contract.

[0010] 1 is a schematic diagram showing an example of the configuration of an information processing system S. FIG. 1 is a block diagram showing an example of the configuration of an information processing device 1. FIG. 1 is a block diagram showing an example of the configuration of a contractor terminal 2. FIG. 1 is a block diagram showing an example of the configuration of a contractor terminal 3. FIG. 2 is an explanatory diagram showing an example of a contractor information table 121. FIG. 3 is an explanatory diagram showing an example of a contract document table 122. FIG. 4 is an explanatory diagram showing an example of a contractor information input screen on the contractor terminal 3. FIG. 5 is an explanatory diagram showing an example of a voice input screen on the contractor terminal 3. FIG. 6 is an explanatory diagram showing an example of a contract document creation screen on the contractor terminal 2. FIG. 7 is an explanatory diagram showing a contract document display screen on the contractor terminal 3. FIG. 8 is an explanatory diagram showing a voice authentication screen on the contractor terminal 3. FIG. 9 is an explanatory diagram showing a contract document after contract establishment. FIG. 10 is a flowchart showing an example of contractor information input processing. FIG. 11 is a flowchart showing an example of contractor information registration processing. FIG. 12 is a flowchart showing an example of contract processing. FIG. 13 is a schematic diagram showing an example of the configuration of an information processing system S according to a second embodiment. FIG. 14 is a block diagram showing an example of the configuration of an information processing device 1 according to a second embodiment. FIG. 15 is a block diagram showing an example of the configuration of a guardian terminal 4. FIG. 16 is an explanatory diagram showing an example of a guardian information table 123. FIG. 17 is an explanatory diagram showing an example of a contract document table 122 according to the second embodiment. 10 is an explanatory diagram showing an example of a voice input screen on the guardian terminal 4. FIG. 10 is an explanatory diagram showing a contract document confirmation screen on the guardian terminal 4. FIG. 10 is an explanatory diagram showing a voice authentication screen on the guardian terminal 4. FIG. 10 is an explanatory diagram showing a contract document after contract conclusion in accordance with embodiment 2. FIG. 10 is a flowchart showing an example of guardian information input processing. FIG. 10 is a flowchart showing an example of guardian information registration processing. FIG. 10 is a flowchart showing an example of contract processing in accordance with embodiment 2. FIG. 10 is a block diagram showing an example of the configuration of an information processing device 1 in accordance with embodiment 3. FIG. 10 is a block diagram showing an example of the configuration of a contractor terminal 3 in accordance with embodiment 3. FIG. 10 is an explanatory diagram showing an example of a guidance voice table 124. FIG. 10 is a flowchart showing an example of contractor information input processing in accordance with embodiment 3. FIG. 10 is a schematic diagram showing an example of the configuration of an information processing system S in accordance with embodiment 4. FIG. 10 is a block diagram showing an example of the configuration of an information processing device 1 in accordance with embodiment 4. FIG. 10 is an explanatory diagram showing an example of a vehicle contractor information table 125.FIG. 10 is an explanatory diagram showing an example of a vehicle return guarantor information table 126. FIG. 11 is an explanatory diagram showing an example of a joint vehicle return guarantor information table 127. FIG. 12 is an explanatory diagram showing an example of a vehicle contract holder information input screen. FIG. 13 is an explanatory diagram showing a contract document display screen on a contract holder terminal 3 according to a fourth embodiment. FIG. 14 is a flowchart showing an example of contract processing according to the fourth embodiment. FIG. 15 is a flowchart showing an example of contract processing according to the fourth embodiment. FIG. 16 is an explanatory diagram showing an example of a payment information table. FIG. 17 is a flowchart showing an example of payment management processing.

[0011] (First Embodiment) FIG. 1 is a schematic diagram showing an example of the configuration of an information processing system S. The information processing system S includes an information processing device 1, a contractor terminal 2, and a contractor terminal 3. The information processing device 1 is, for example, a server computer. The information processing device 1 acquires a contract document (electronic document) created at the contractor terminal 2 and transmits the acquired contract document to the contractor terminal 3. The information processing device 1 acquires the contractor's voice from the contractor terminal 3, performs voice authentication, and determines whether the voiceprint of the acquired voice matches a pre-stored voiceprint of the contractor's voice. If the voiceprints match, the information processing device 1 determines that the voice authentication has been successful, and if the voiceprints do not match, it determines that the voice authentication has failed. The information processing device 1 determines whether the contract related to the contract document has been concluded based on the success or failure of the voice authentication, stores the determination result, and transmits the determination result to the contractor terminal 2 and the contractor terminal.

[0012] FIG. 2 is a block diagram showing an example configuration of the information processing device 1. The information processing device 1 is, for example, a server computer and includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 is configured with a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a GPU (Graphical Processing Unit), a quantum processor, or the like, and performs various control processes, arithmetic processes, and the like by reading and executing a program P (program product) and a database pre-stored in the storage unit 12. Note that a database server or the like may be provided external to the information processing device 1, and the control unit 11 may read the database from the database server or the like. The information processing device 1 may also be one whose functions are realized by multiple server devices or computers. The information processing device 1 may also correspond to a node on a blockchain. The information processing device 1 may also execute some or all of the processes performed by the provider terminal 2 or the contractor terminal 3.

[0013] The storage unit 12 of the information processing device 1 is, for example, a volatile memory and a non-volatile memory. The storage unit 12 stores a program P, a contractor information table (database) 121, and a contract document table 122. The program P may be provided to the information processing device 1 using a computer-readable storage medium 12a. The storage medium 12a is, for example, a portable memory. Examples of portable memory include a CD-ROM, a USB (Universal Serial Bus) memory, an SD card, a microSD card, and a CompactFlash (registered trademark) memory. When the storage medium 12a is a portable memory, the processing element of the control unit 11 may read the program P from the storage medium 12a using a reading device (not shown). The read program P is written to the storage unit 12. Furthermore, the program P may be provided to the information processing device 1 by the communication unit 13 communicating with an external device. Details of the contractor information table 121 and the contract document table 122 will be described later.

[0014] The communication unit 13 is a communication module or communication interface for communicating with the provider terminal 2 or the subscriber terminal 3 via a wired or wireless connection, and is, for example, a wide-area wireless communication module such as LTE (registered trademark), 4G, or 5G. The control unit 11 communicates with the provider terminal 2 or the subscriber terminal 3 via the communication unit 13 through an external network N such as the Internet.

[0015] FIG. 3 is a block diagram showing an example configuration of the agent terminal 2. The agent terminal 2 is a terminal owned by an agent who concludes a contract with a contractor, such as for the sale of goods or services or for a loan of money. The agent terminal 2 is, for example, a personal computer, a smartphone, a tablet terminal, wearable glasses, or a wearable computer. In this embodiment, an example in which the agent terminal 2 is a personal computer will be described. The agent terminal 2 includes an agent terminal control unit 21, a storage unit 22, a communication unit 23, a display unit 24, and an input unit 25. The agent terminal control unit 21 is configured by a CPU or an MPU, etc., and performs various control processes, arithmetic processes, etc. The functions of the agent terminal 2 may be realized by multiple devices. The agent terminal 2 may also execute some or all of the processes performed by the information processing device 1.

[0016] The storage unit 22 stores an application program (application program) Pa that accepts input for creating a contract document. The application program Pa is provided to the contractor terminal 2 using, for example, a storage medium 22a. The contractor terminal control unit 21 of the contractor terminal 2 may obtain the application program Pa using the Internet and store it in the storage unit 22.

[0017] The communication unit 23 is a communication module or a communication interface for wirelessly communicating with the information processing device 1. The vendor terminal control unit 21 communicates with the information processing device 1 via the communication unit 23 and an external network N.

[0018] The display unit 24 displays an input screen for creating a contract document and a contract result screen for displaying whether the contract has been concluded or not. The display unit 24 is configured by a display.

[0019] The input unit 25 receives input of information for creating a contract document and is configured with a keyboard, a mouse, or the like.

[0020] FIG. 4 is a block diagram showing an example of the configuration of the subscriber terminal 3. The subscriber terminal 3 may be, for example, a smartphone, a tablet terminal, wearable glasses, a wearable computer, or a personal computer. In this embodiment, an example in which the subscriber terminal 3 is a smartphone will be described. The subscriber terminal 3 includes a subscriber terminal control unit 31, a storage unit 32, a communication unit 33, a display unit 34, an input unit 35, a photographing unit 36, a location information acquisition unit 37, and a voice input unit 38. The subscriber terminal control unit 31 is configured with a CPU or an MPU, etc., and performs various control processes, arithmetic processes, etc. The functions of the subscriber terminal 3 may be realized by multiple devices. The subscriber terminal 3 may also execute some or all of the processes performed by the information processing device 1.

[0021] The storage unit 32 stores an application program (application program) Pb that accepts input of contractor information and input of information related to the contract. The application program Pb is provided to the contractor terminal 3 using, for example, a storage medium 32a. The contractor terminal control unit 31 of the contractor terminal 3 may obtain the application program Pb via the Internet and store it in the storage unit 32.

[0022] The communication unit 33 is a communication module or a communication interface for wirelessly communicating with the information processing device 1. The contractor terminal control unit 31 communicates with the information processing device 1 via the communication unit 33 and an external network N.

[0023] The display unit 34 displays a contractor information input screen for receiving input of contractor information related to the contractor, a contract screen for displaying the contract document, and the like.

[0024] The input unit 35 accepts input of subscriber information, etc. In this embodiment, the subscriber terminal 3 is a smartphone, and the display unit 34 and the input unit 35 are integrally configured as a touch panel.

[0025] The photographing unit 36 ​​photographs the contractor's personal identification document. When the contractor terminal 3 is a smartphone, the photographing unit 36 ​​is a camera built into the smartphone.

[0026] The location information acquisition unit 37 is configured by, for example, a GPS module. The location information acquisition unit 37 acquires location information of the contractor terminal 3 and outputs it to the contractor terminal control unit 31.

[0027] The voice input unit 38 receives voice input from the contractor by collecting voices uttered by the contractor. When the contractor terminal 3 is a smartphone, the photographing unit 36 ​​is a microphone built into the smartphone.

[0028] 5 is an explanatory diagram showing an example of the contractor information table 121. The contractor information table stores (registers) information about the contractor that the contractor inputs on the contractor terminal 3. The management items (fields) of the contractor information table 121 include, for example, a contractor ID field, a name field, a date of birth field, a telephone number field, a terminal identification number field, a location information field, a personal identification document field, a name voice field, and a plurality of registered voice fields.

[0029] The subscriber ID field stores an ID assigned to the subscriber. The name field, date of birth field, and telephone number field store the name, date of birth, and telephone number of the subscriber terminal 3 entered by the subscriber on the subscriber terminal 3. The terminal identification number field stores the terminal identification number of the subscriber terminal 3, which the subscriber terminal 3 transmitted to the information processing device 1 together with the subscriber information. The location information field stores the address based on the location information of the subscriber terminal 3 when the subscriber terminal 3 transmits the subscriber information of the subscriber to the information processing device 1. The personal identification document field stores, for example, an image of the personal identification document photographed by the subscriber terminal 3 in file format. The name voice field stores, for example, a file format, the voice of the subscriber uttering his or her own name, which is input by voice into the subscriber terminal 3. The registered voice field stores, for example, a file format, the voice for verification uttered by the subscriber. In this embodiment, the multiple registered voice fields include a field for storing the voice of each digit from 0 to 9 and a field for storing the voice of each alphabet from A to Z. That is, the contractor information table 121 includes fields for registered voice (0) to registered voice (9) and fields for registered voice (A) to registered voice (Z). For example, the registered voice (0) field stores the voice of the contractor uttering "0," and the registered voice (A) field stores the voice of the contractor uttering "A."

[0030] 6 is an explanatory diagram showing an example of the contract document table 122. The management items of the contract document table 122 include a contract document ID field, a trader ID field, a contractor ID field, a contract document field, and a contract success / failure field.

[0031] The contract document ID field stores the ID assigned to the contract document. The contractor ID field stores the ID assigned to the contractor who owns the contractor terminal 2 that sent the contract document. The contractor ID field stores the contractor ID of the contractor specified in the contract document. The contract document field stores the contract document created on the contractor terminal 2 and acquired by the information processing device 1 from the contractor terminal 2, for example, in PDF file format. Note that the contract document field stores the contract document acquired by the information processing device 1 from the contractor terminal 2 before voice authentication is performed or if voice authentication fails. If voice authentication is successful and the contract is concluded, the contract document stored in the contract document field is updated to a contract document stating that voice authentication was successful and the contract has been concluded. The contract success / failure field stores the success / failure of the contract (concluded or not concluded) based on the success or failure of voice authentication. Note that if the information processing device 1 has not acquired a voice file from the contractor terminal 3, i.e., if voice authentication has not yet been performed, a null value (-) is stored in the contract success / failure field.

[0032] 7 is an explanatory diagram showing an example of a subscriber information input screen on the subscriber terminal 3. The subscriber terminal control unit 31 of the subscriber terminal 3 causes the display unit 34 to display the subscriber information input screen. The subscriber information input screen includes a name input field, a date of birth input field, a telephone number input field, a location information consent field, and an identification document image input field. The subscriber's name, date of birth input field, and telephone number input field are entered in the name input field, date of birth input field, and telephone number input field.

[0033] The location information consent field displays a checkbox for inputting consent to transmitting the location information of the contractor terminal 3 to the information processing device 1. When the checkbox is checked, the contractor terminal control unit 31 is able to transmit the location information of the contractor terminal 3 to the information processing device 1, assuming that consent has been given.

[0034] A photographed image of an identification document such as a driver's license is input into the identification document image input field. The contractor terminal control unit 31 may accept the input of the identification document image by photographing the identification document with the photographing unit 36, or may accept the input of the identification document image by accepting the selection of the identification document image from an image folder of images photographed by the photographing unit 36 ​​and stored in the memory unit 32. In this embodiment, the contractor can photograph the identification document image by pressing a function button (photograph button) that instructs photographing. When the contractor information of the contractor has been entered into all fields of the contractor information input screen, a function button (voice input button) for displaying a voice input screen (see FIG. 8) becomes pressable.

[0035] 8 is an explanatory diagram showing an example of a voice input screen on the contractor terminal 3. When the voice input button is pressed on the contractor information input screen, the contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display the voice input screen. The voice input screen displays a message prompting the contractor to input voice, as well as numbers 0 to 9 and letters A to Z. When the voice input screen is displayed, the contractor terminal control unit 31 causes the voice input unit 38 of the contractor terminal 3 to start collecting voice.

[0036] The contractor speaks the numbers from 0 to 9 in order and inputs the voice into the voice input unit 38. The contractor terminal control unit 31 recognizes the voice of each number spoken by the contractor from the voice input into the voice input unit 38, for example, by pattern matching, and enters a check in the column indicating the recognized number. After all numbers have been recognized from the contractor's voice and a check has been entered in all the columns indicating numbers, the contractor speaks the numbers from A to Z in order and inputs the voice into the voice input unit 38. The contractor terminal control unit 31 recognizes the voice of each alphabet spoken by the contractor from the voice input into the voice input unit 38, and enters a check in the column indicating the recognized alphabet. In addition, the voice input screen displays a message prompting the contractor to input their name by voice, along with a name column. The contractor speaks their name and inputs the voice into the voice input unit 38. When check marks are entered in all the columns showing the alphabet and the contractor's name is entered by voice, a check mark is entered in the name column and a function button (send button) that sends the contractor's contractor information and the contractor's voice to the information processing device 1 can be pressed.

[0037] When the send button is pressed, the contractor terminal control unit 31 transmits the contractor information of the contractor that was input and the contractor's voice to the information processing device 1. The contractor's voice is transmitted to the information processing device 1 as a voice file containing each number or each alphabet and the contractor's name.

[0038] 9 is an explanatory diagram showing an example of a contract document creation screen on the contractor terminal 2. The contract document format is displayed on the contract document creation screen. The contract document includes, for example, a contractor name field, a contractor ID field, a contractor ID field, a contractor name field, a contract title field, an amount field, and a payment method field.

[0039] The contractor terminal control unit 21 of the contractor terminal 2 causes the display unit 24 to display the contract document and the input unit 25 to accept input into each field of the contract document. The contractor name field is entered with the contractor's name. The contractor ID field is entered with the contractor's ID. The contractor ID field is entered with the contractor's ID. The contractor name field is entered with the contractor's name. The contract title field is entered with the item of goods or services to be purchased by the contractor, or the type of loan, etc. The amount field is entered with the amount related to the contract, such as the price of the goods or services to be purchased by the contractor or the loan amount, and the payment method field is entered with the payment method (lump sum or number of payments) or the loan repayment method (number of repayments, interest rate, repayment period, etc.). The contract document is created by entering information into each field.

[0040] The contract creation screen displays a function button (send button) for sending the created contract to the information processing device 1. When information is entered into each field included in the contract, the send button becomes pressable. When the send button is pressed, the contractor terminal control unit 21 sends the created contract to the information processing device 1.

[0041] 10 is an explanatory diagram showing the contract document display screen on the contractor terminal 3. The information processing device 1, which has acquired the contract document from the contractor terminal 2, transmits the acquired contract document to the contractor terminal 3. The information processing device 1 assigns a contract document ID to the contract document acquired from the contractor terminal 2 and writes the assigned contract document ID on the contract document. The contractor terminal control unit 31 of the contractor terminal 3 that has acquired the contract document displays the acquired contract document on the display unit 34. The contract document and a function button for starting voice authentication (voice authentication start button) are displayed on the contract document display screen. When the voice authentication start button is pressed, the contractor terminal control unit 31 transmits to the information processing device 1 a message that voice authentication has started.

[0042] 11 is an explanatory diagram showing the voice authentication screen on the contractor terminal 3. Upon receiving from the contractor terminal 3 a notification that voice authentication has started, the control unit 11 of the information processing device 1 randomly selects four characters from the numbers 0 to 9 and the letters A to Z to generate a password. The password may be three characters or less, or five characters or more. The control unit 11 transmits the generated password to the contractor terminal 3. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display the password received from the information processing device 1.

[0043] The voice authentication screen displays a message urging the contractor to speak the displayed password. The contractor speaks the characters of the password displayed on the voice authentication screen, for example, in order from the characters displayed on the left, and inputs the voice into the voice input unit 38. The contractor terminal control unit 31 recognizes the voice of each character spoken by the contractor from the voice input into the voice input unit 38, for example, by pattern matching, and inputs a check mark in the column for the recognized character.

[0044] The voice authentication screen also displays a message prompting the subscriber to input their name by voice. After completing the voice input of all characters of the password, the subscriber speaks their name and inputs the voice into the voice input unit 38. When the voice input of all characters of the password and the subscriber's name is complete, a function button for executing voice authentication (voice authentication execution button) becomes pressable. When the voice authentication execution button is pressed, the subscriber terminal control unit 31 of the subscriber terminal 3 transmits to the information processing device 1 an audio file of each character of the voice-input password and an audio file of the subscriber's name that was input by voice. The audio files of each character of the voice-input password and an audio file of the subscriber's name that was input by voice are transmitted to the information processing device 1 as audio files containing the authentication audio. The subscriber terminal control unit 31 also transmits the terminal identification number of its own subscriber terminal 3 to the information processing device 1 together with the audio files.

[0045] When the control unit 11 of the information processing device 1 acquires each voice file from the subscriber terminal 3, it determines whether or not the voiceprint of the voice of each character of the acquired password (authentication voice information) matches the voiceprint of the voice (registered voice information) pre-registered in the registered voice field for each character of the subscriber in the subscriber information table 121. The control unit 11 also determines whether or not the voiceprint of the voice of the acquired name matches the voiceprint of the voice pre-stored in the subscriber's name voice field in the subscriber information table 121. The control unit 11 calculates, for example, the similarity of the spectrograms of the voice stored in the subscriber information table 121 and the voice acquired from the subscriber terminal 3 by PLDA (Probabilistic Linear Discriminant Analysis), and determines that the voiceprints match if the calculated similarity is equal to or greater than a predetermined value.

[0046] FIG. 12 is an explanatory diagram showing a contract document after the contract has been concluded. When the control unit 11 of the information processing device 1 determines that the terminal identification number acquired from the contractor terminal 3 matches the terminal identification number stored in the contractor information table 121 and that the voiceprints of the voice of each character of the password and the voice of the name acquired from the contractor terminal 3 match the voiceprints stored in the contractor information table 121, the control unit 11 determines that the contract related to the contract document transmitted to the contractor terminal 3 has been concluded. When the contract has been concluded, the contract document includes the date on which the information processing device 1 acquired the voice file from the contractor terminal 3 (the date on which voice authentication was performed) and the fact that the contract has been concluded. The information processing device 1 updates the contract document file stored in the contract document field of the contract document table to a file of the contract document (post-contract contract document) that includes the date on which voice authentication was performed and the fact that the contract has been concluded. The post-contract contract document is transmitted to the contractor terminal 2 or the contractor terminal 3, for example, in response to a request from the contractor terminal 2 or the contractor terminal 3. The contractor terminal 2 or the contractor terminal 3 that has acquired the contract document after the conclusion of the contract displays the contract document after the conclusion of the contract on the display unit 24 or the display unit 34. The contract document after the conclusion of the contract may include a URL indicating an audio file of the voice of the name acquired by the control unit 11 of the information processing device 1 from the contractor terminal 3.

[0047] FIG. 13 is a flowchart showing an example of a contractor information input process. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display a contractor information input screen (S1). The contractor terminal control unit 31 causes the input unit 35 to accept input of contractor information, including the contractor's name, date of birth, and telephone number (S2). The contractor terminal control unit 31 causes the input unit 35 to accept input of consent to transmitting location information of the contractor terminal 3 to the information processing device 1 (S3). The contractor terminal control unit 31 acquires location information of the contractor terminal 3 from the location information acquisition unit 37 (S4). The contractor terminal control unit 31 causes the photographing unit 36 ​​to photograph an image of the identification document (S5). The contractor terminal control unit 31 causes the display unit 34 to display a voice input screen (S6). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of numbers and alphabets by the contractor (S7). The contractor terminal control unit 31 also causes the voice input unit 38 to accept voice input of the contractor's name (S8). The contractor terminal control unit 31 transmits the contractor's name, date of birth, telephone number, terminal identification number of the contractor terminal 3, location information of the contractor terminal 3, an image of the personal identification document, voice files of numbers and letters, and a voice file of the contractor's name to the information processing device 1 (S9), and ends the process.

[0048] FIG. 14 is a flowchart showing an example of a contractor information registration process. The control unit 11 of the information processing device 1 acquires contractor information from the contractor terminal 3 (S11). The control unit 11 reads the contractor's address written on the contractor's identification document from an image of the document using, for example, an OCR (Optical Character Reader) (S12). The control unit 11 determines whether the read address (written address) matches the address based on the location information acquired from the contractor terminal 3 (location information address) (S13). If the written address matches the location information address (S13: YES), the control unit 11 stores the acquired contractor information in the contractor information table 121 (S14) and terminates the process. If the written address does not match the location information address (S13: NO), the control unit 11 transmits information to the contractor terminal 3 requesting re-entry of contractor information (S15) and terminates the process.

[0049] 15 and 16 are flowcharts showing an example of contract processing. The contractor terminal control unit of the contractor terminal 2 displays a contract document creation screen on the display unit 24 (S21). The contractor terminal control unit 21 causes the input unit to accept input into each field of the contract document, including the contractor name field, contractor ID field, contractor name field, contractor ID field, contract title field, amount field, and payment method field (S22). The contractor terminal control unit 21 transmits the contract document to the information processing device 1 (S23).

[0050] The control unit 11 of the information processing device 1 acquires the contract document from the contractor terminal 2 (S24). The control unit 11 extracts the contractor ID and contractor ID from the acquired contract document (S25), and stores the extracted contractor ID and contractor ID, as well as the contract document file, in the contract document table 122 (S26). The control unit 11 transmits (outputs) the contract document to the contractor terminal 3 (S27).

[0051] The contractor terminal control unit 31 of the contractor terminal 3 acquires the contract document from the information processing device 1 (S28). The contractor terminal control unit 31 causes the display unit 24 to display the contract document display screen (S29). The contractor terminal control unit 31 receives input of pressing the voice authentication start button (S30). The contractor terminal control unit 31 transmits information indicating that voice authentication has started to the information processing device 1 (S31).

[0052] The control unit 11 of the information processing device 1 receives information indicating that voice authentication has started from the subscriber terminal 3 (S32). The control unit 11 generates a password by randomly selecting four characters from the numbers 0 to 9 and the letters A to Z (S33). The control unit 11 transmits the generated password to the subscriber terminal 3 (S34).

[0053] The contractor terminal control unit 31 of the contractor terminal 3 acquires a password from the information processing device 1 (S35). The contractor terminal control unit 31 causes the display unit 34 to display a voice authentication screen showing the acquired password (S36). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of the characters included in the password and the contractor's name (S37). The contractor terminal control unit 31 transmits the terminal identification number and an audio file of the input voice to the information processing device 1 (S38).

[0054] The control unit 11 of the information processing device 1 acquires the terminal identification number and the voice file from the contractor terminal 3 (S39). The control unit 11 determines whether the acquired terminal identification number matches the terminal identification number pre-stored in the terminal identification number field in the contractor information table 121 (S40). The control unit 11 determines whether the voiceprint of each character of the acquired password matches the voiceprint of the contractor pre-stored in the registered voice field for each character in the contractor information table 121 (S41). The control unit 11 stores the success or failure of the contract (established or not established) based on the determination results (match or mismatch) in S40 and S41 in the contract success or failure field of the contract document table 122 (S42). The control unit 11 also updates the file of the contract document stored in the contract document field of the contract document table 122 (S43). Note that if the voiceprints match and the voice authentication is successful in S41, the contract document stored in the contract document field of the contract document table 122 is updated to a contract document stating that the voice authentication was successful and the contract has been concluded. If the voiceprints do not match and the voice authentication is unsuccessful in S41, the contract document stored in the contract document field of the contract document table 122 is not updated in S43. The control unit 11 notifies (transmits) the success or failure of the contract to the agent terminal 2 and the contractor terminal 3 (S44), and terminates the processing. Note that if the contract has been concluded, the control unit 11 notifies the agent terminal 2 and the contractor terminal 3 in S44 by transmitting a contract document stating that the voice authentication was successful and the contract has been concluded. If the contract has not been concluded, the control unit 11 notifies the agent terminal 2 and the contractor terminal 3 in S44 by transmitting information that the voice authentication failed.

[0055] The supplier terminal control unit 21 of the supplier terminal 2 receives a notification of the success or failure of the contract from the information processing device 1 (S45), displays the received notification of the success or failure of the contract on the display unit 24 (S46), and ends the process.

[0056] The contractor terminal control unit 31 of the contractor terminal 3 receives notification of the success or failure of the contract from the information processing device 1 (S47), displays the received notification of the success or failure of the contract on the display unit 34 (S48), and terminates the processing.

[0057] According to the above configuration and processing, the contractor can conclude a contract by inputting voice into the contractor terminal 3. Voice authentication is performed to determine whether the voiceprint of the input voice matches a pre-registered voiceprint, so the contractor's identity can be easily confirmed when concluding a contract.

[0058] (Embodiment 2) After transmitting the contract document to the contractor terminal 3, when the information processing device 1 according to embodiment 2 acquires from the contractor terminal 3 a voice recording of the password and the contractor's name, i.e., when voice authentication has been performed by the contractor, it notifies the guardian terminal held by the guardian of the contractor (protected person) that voice authentication has been performed by the contractor, and acquires from the guardian terminal information (permission information) indicating whether or not to permit the establishment of the contract. When the voice authentication is successful and information permitting the establishment of the contract is acquired from the guardian terminal, the information processing device 1 determines that the contract has been established.

[0059] FIG. 17 is a schematic diagram showing a configuration example of an information processing system S according to a second embodiment. The information processing system S according to the second embodiment includes a guardian terminal 4. The guardian terminal 4 is a terminal owned by the guardian of the contractor who owns the contractor terminal 3. For example, if the contractor is a minor, the contractor's parental authority is the guardian, and the guardian terminal 4 is owned by the guardian. If the contractor is an adult ward, the adult guardian may be the guardian, and if the contractor is a person under curatorship, the curator may be the guardian. The guardian terminal 4 acquires a written contract related to the contract that the contractor is attempting to establish through voice authentication. The guardian inputs into the guardian terminal 4 whether or not to permit the establishment of the contract (permission or denial), and the guardian terminal 4 transmits information (permission information) indicating whether or not to permit the establishment of the contract to the information processing device 1. The information processing device 1 determines whether or not the contract has been established based on the information acquired from the guardian terminal 4.

[0060] 18 is a block diagram showing an example of the configuration of an information processing device 1 according to embodiment 2. The storage unit 12 of the information processing device 1 according to embodiment 2 stores a guardian information table 123. The guardian information table 123 will be described in detail later.

[0061] FIG. 19 is a block diagram showing an example configuration of the parent terminal 4. The parent terminal 4 may be, for example, a smartphone, a tablet terminal, wearable glasses, a wearable computer, or a personal computer. In this embodiment, an example in which the parent terminal 4 is a smartphone will be described. The parent terminal 4 includes a parent terminal control unit 41, a storage unit 42, a communication unit 43, a display unit 44, an input unit 45, a photographing unit 46, a location information acquisition unit 47, and an audio input unit 48. The parent terminal control unit 41 is configured with a CPU or an MPU, etc., and performs various control processes, arithmetic processes, etc. The functions of the parent terminal 4 may be realized by multiple devices. Furthermore, the parent terminal 4 may execute some or all of the processes performed by the information processing device 1.

[0062] The storage unit 42 stores information about the guardian and an application program (app program) Pc that accepts input of permission for the establishment of a contract. The app program Pc is provided to the guardian terminal 4 using, for example, a storage medium 42a. The guardian terminal control unit 41 of the guardian terminal 4 may obtain the app program Pc using the Internet and store it in the storage unit 42.

[0063] The display unit 44 displays a guardian information input screen for receiving input of guardian information about the guardian, a contract screen for displaying a contract document, and the like.

[0064] The input unit 45 accepts input of information about the parent, etc. In this embodiment, the parent terminal 4 is a smartphone, and the display unit 44 and the input unit 45 are integrally configured as a touch panel.

[0065] The photographing unit 46 photographs the parent / guardian's identification document. If the parent / guardian terminal 4 is a smartphone, the photographing unit 46 is a camera built into the smartphone.

[0066] The location information acquisition unit 47 is configured by, for example, a GPS module. The location information acquisition unit 47 acquires location information of the parent terminal 4 and outputs it to the parent terminal control unit 41.

[0067] The voice input unit 48 receives voice input from the guardian by collecting voices uttered by the guardian. When the guardian terminal 4 is a smartphone, the image capturing unit 46 is a microphone built into the smartphone.

[0068] 20 is an explanatory diagram showing an example of the guardian information table 123. The guardian information table stores information about the guardian that the guardian inputs on the guardian terminal 4. The management items (fields) of the guardian information table 123 include a guardian ID field, a contractor ID field, a name field, a date of birth field, a telephone number field, a terminal identification number field, a location information field, an identification document field, a name voice field, and a plurality of verification voice fields.

[0069] The guardian ID field stores the ID assigned to the guardian. The subscriber ID field stores the subscriber ID of the subscriber who will be the guardian's ward, entered by the guardian on the guardian terminal 4. The name field, date of birth field, and telephone number field store the name, date of birth, and telephone number of the guardian terminal 4 entered by the guardian on the guardian terminal 4. The terminal identification number field stores the terminal identification number of the guardian terminal 4, which the guardian terminal 4 sent to the information processing device 1 along with the guardian information. The location information field stores the address based on the location information of the guardian terminal 4 when the guardian terminal 4 sends information about the guardian to the information processing device 1. The personal identification document field stores, for example, an image of the personal identification document photographed by the guardian terminal 4 in file format. The name audio field stores, for example, a file format of the voice of the guardian uttering their own name, which is input by voice on the guardian terminal 4. The verification voice field stores, for example, a file format of the voice for verification spoken by the guardian. In this embodiment, the plurality of matching phonetic fields include a field for storing the phonetic sounds of the numbers 0 to 9 and a field for storing the phonetic sounds of the letters A to Z.

[0070] 21 is an explanatory diagram showing an example of a contract document table 122 according to the second embodiment. The contract document table 122 according to the second embodiment includes a parental permission field. The parental permission field stores permission information input at the parental terminal 4. If the information processing device 1 does not acquire permission information from the parental terminal 4, a null value is stored in the parental permission field. If the voice authentication is successful and "permitted" is stored in the parental permission field, "concluded" is stored in the contract success / failure field according to this embodiment.

[0071] 22 is an explanatory diagram showing an example of a guardian information input screen. The guardian terminal control unit 41 of the guardian terminal 4 causes the display unit 44 to display the guardian information input screen. The guardian information input screen includes a contractor ID input field, a name input field, a date of birth input field, a telephone number input field, a location information consent field, and an identification document input field. The contractor ID of the contractor who will be the guardian's ward is input into the contractor ID input field. The name input field, date of birth input field, and telephone number input field are input with the guardian's name, guardian's date of birth, and the telephone number of the guardian terminal 4.

[0072] The location information consent field displays a checkbox for inputting consent to transmitting the location information of the parent / guardian terminal 4 to the information processing device 1. When the checkbox is checked, the parent / guardian terminal control unit 41 is able to transmit the location information of the parent / guardian terminal 4 to the information processing device 1, assuming that consent has been given.

[0073] A photographed image of an identification document such as a driver's license is input into the identification document image input field. The contractor terminal control unit 31 may accept the input of the identification document image by photographing the identification document with the photographing unit 36, or may accept the input of the identification document image by accepting the selection of the identification document image from an image folder of images photographed by the photographing unit 36 ​​and stored in the memory unit 32. In this embodiment, the contractor can photograph the identification document image by pressing a function button (photograph button) that instructs photographing. When the contractor information of the contractor has been entered into all fields of the contractor information input screen, a function button (voice input button) for displaying a voice input screen (see FIG. 8) becomes pressable.

[0074] 23 is an explanatory diagram showing an example of a voice input screen on the parent terminal 4. When the voice input button is pressed on the parent information input screen, the parent terminal control unit 41 of the parent terminal 4 causes the display unit 44 to display the voice input screen. The voice input screen displays a message prompting the parent to input voice, as well as numbers 0 to 9 and letters A to Z. When the voice input screen is displayed, the parent terminal control unit 41 causes the voice input unit 48 of the parent terminal 4 to start collecting voice.

[0075] The guardian speaks the numbers from 0 to 9 in order and inputs the voice into the voice input unit 48. The guardian terminal control unit 41 recognizes the voice of each number spoken by the guardian from the voice input into the voice input unit 48, for example, by pattern matching, and enters a check mark in the box representing the recognized number. After all numbers have been recognized from the guardian's voice and a check mark has been entered in all the boxes representing numbers, the guardian speaks the numbers from A to Z in order and inputs the voice into the voice input unit 48. The guardian terminal control unit 41 recognizes the voice of each alphabet spoken by the guardian from the voice input into the voice input unit 48 and enters a check mark in the box representing the recognized alphabet. In addition, the voice input screen displays a message prompting the guardian to enter their name by voice. The guardian speaks their name and inputs the voice into the voice input unit 48. When a check mark has been entered in all the boxes representing the alphabet and the guardian's name has been entered by voice, a function button (send button) that transmits information about the guardian and the guardian's voice to the information processing device 1 becomes pressable.

[0076] 24 is an explanatory diagram showing the contract document confirmation screen on the guardian terminal 4. When the information processing device 1 acquires an audio file for voice authentication from the contractor terminal 3, it transmits the contract document to the guardian terminal 4 of the contractor's guardian. The guardian terminal control unit 41 of the guardian terminal 4 that acquired the contract document displays the acquired contract document on the display unit 44. The contract document and a function button for starting voice authentication (voice authentication start button) are displayed on the contract document confirmation screen. When the voice authentication start button is pressed, the contractor terminal control unit 31 transmits a message to the information processing device 1 that voice authentication has started.

[0077] 25 is an explanatory diagram showing the voice authentication screen on the parent terminal 4. Upon receiving from the parent terminal 4 a notification that voice authentication has started, the control unit 11 of the information processing device 1 randomly selects four characters from the numbers 0 to 9 and the letters A to Z to generate a password. The password may be three characters or less, or five characters or more. The control unit 11 transmits the generated password to the parent terminal 4. The parent terminal control unit 41 of the parent terminal 4 causes the display unit 44 to display the password received from the information processing device 1.

[0078] The voice authentication screen displays a message urging the parent or guardian to pronounce the displayed password. The parent or guardian pronounces the characters of the password displayed on the voice authentication screen, for example, in order from the characters displayed on the left, and inputs the voice into the voice input unit 48. The parent terminal control unit 41 recognizes the voice of each character spoken by the parent or guardian from the voice input into the voice input unit 48, for example, by pattern matching, and inputs a check mark next to the recognized character.

[0079] The voice authentication screen also displays a prompt to input the guardian's name by voice. After completing the voice input of all characters of the password, the guardian speaks his or her name and inputs the voice into the voice input unit 48. When the voice input of all characters of the password and the guardian's name is completed, a function button (deny button) for transmitting a notice of denial of the contract to the information processing device 1, or a function button (allow button) for transmitting a notice of approval of the contract to the information processing device 1, becomes pressable. When the deny button is pressed, the guardian terminal control unit 41 of the guardian terminal 4 transmits a notice of denial of the contract to the information processing device 1, along with an audio file of each character of the voice-input password and an audio file of the voice-input name of the contractor. When the allow button is pressed, the guardian terminal control unit 41 of the guardian terminal 4 transmits a notice of denial of the contract to the information processing device 1, along with an audio file of each character of the voice-input password and an audio file of the voice-input name of the contractor.

[0080] When the control unit 11 of the information processing device 1 acquires each voice file from the parent / guardian terminal 4, it determines whether the voiceprint of the voice of each character of the acquired password matches the voiceprint of the voice of the parent pre-stored in the parent / guardian information table 123 in the matching voice field for each character. The control unit 11 also determines whether the voiceprint of the voice of the acquired name matches the voiceprint of the voice pre-stored in the parent / guardian name voice field in the parent / guardian information table 123. For example, the control unit 11 calculates the similarity of the spectrogram between the voice stored in the parent / guardian information table 123 and the voice acquired from the parent / guardian terminal 4 by PLDA, and determines that the voiceprints match if the calculated similarity is equal to or greater than a predetermined value.

[0081] If the voiceprints match, the control unit 11 of the information processing device 1 stores "not permitted" or "permitted" in the parental permission field of the contract document table 122. If the not permitted button is pressed on the parent terminal 4 and the control unit 11 receives from the parent terminal 4 information that the parent does not permit the establishment of the contract, the control unit 11 stores "not permitted" in the parental permission field of the contract document table 122. If the permit button is pressed on the parent terminal 4 and the control unit 11 receives from the parent terminal 4 information that the parent permits the establishment of the contract, the control unit 11 stores "permitted" in the parental permission field of the contract document table 122.

[0082] FIG. 26 is an explanatory diagram showing a contract document after a contract is concluded according to the second embodiment. When “Allowed” is stored in the parental permission field of the contract document table 122, the control unit 11 of the information processing device 1 determines that the contract related to the contract document transmitted to the parent terminal 4 has been concluded. If the contract is concluded, the contract document includes the date on which the information processing device 1 acquired the audio file from the contractor terminal 3 (the date on which the contractor's voice authentication was performed), the date on which the information processing device 1 acquired the audio file from the parent terminal 4 (the date on which the parent's voice authentication was performed), and a statement that the contract has been concluded. The information processing device 1 updates the contract document file stored in the contract document field of the contract document table to a contract document file (post-contract contract document) that includes the date on which the contractor's voice authentication was performed, the date on which the parent's voice authentication was performed, and a statement that the contract has been concluded. The post-contract contract document is transmitted to the contractor terminal 2, contractor terminal 3, or parent terminal 4, for example, in response to a request from the contractor terminal 2, contractor terminal 3, or parent terminal 4. The provider terminal 2, the contractor terminal 3, or the guardian terminal 4 that has acquired the contract document after the contract has been concluded displays the contract document after the contract has been concluded on the display unit 24, the display unit 34, or the display unit 44.

[0083] FIG. 27 is a flowchart showing an example of the guardian information input process. The guardian terminal control unit 41 of the guardian terminal 4 causes the display unit 44 to display a guardian information input screen (S51). The guardian terminal control unit 41 causes the input unit 45 to accept input of information about the guardian, including the subscriber ID of the subscriber who will be the guardian's ward, the guardian's name, date of birth, and telephone number (S52). The guardian terminal control unit 41 causes the input unit 45 to accept input of consent to transmitting location information of the guardian terminal 4 to the information processing device 1 (S53). The guardian terminal control unit 41 acquires location information of the guardian terminal 4 from the location information acquisition unit 47 (S54). The guardian terminal control unit 41 causes the photographing unit 46 to photograph an image of the identification document (S55). The guardian terminal control unit 41 causes the display unit 44 to display a voice input screen (S56). The guardian terminal control unit 41 causes the voice input unit 48 to accept voice input of numbers and alphabets by the guardian (S57). The parent terminal control unit 41 also causes the voice input unit 48 to accept voice input of the parent's name (S58). The parent terminal control unit 41 then transmits the parent's name, date of birth, telephone number, location information of the parent terminal 4, an image of the identification document, audio files of numbers and letters, and an audio file of the parent's name to the information processing device 1 (S59), and the process ends.

[0084] FIG. 28 is a flowchart showing an example of a guardian information registration process. The control unit 11 of the information processing device 1 acquires guardian information from the guardian terminal 4 (S61). The control unit 11 reads the guardian's address written on the identification document from an image of the identification document, for example, using an OCR (Optical Character Reader) (S62). The control unit 11 determines whether the read address (written address) matches the address based on the location information acquired from the guardian terminal 4 (location information address) (S63). If the written address matches the location information address (YES in S63), the control unit 11 stores the acquired guardian information in the guardian information table 123 (S64) and terminates the process. If the written address does not match the location information address (NO in S63), the control unit 11 transmits information to the guardian terminal 4 requesting re-entry of the guardian information (S65) and terminates the process.

[0085] 29 and 30 are flowcharts showing an example of contract processing according to embodiment 2. Note that Fig. 29 describes the processing of the information processing device 1, the contractor terminal 3, and the guardian terminal 4 after the information processing device 1 acquires the contract document from the provider terminal 2 and stores the acquired contract document file in the contract document table 122. The control unit 11 of the information processing device 1 transmits the contract document to the information processing device (S71).

[0086] The contractor terminal control unit 31 of the contractor terminal 3 acquires the contract document from the information processing device 1 (S72). The contractor terminal control unit 31 causes the display unit 34 to display the contract document display screen (S73). The contractor terminal control unit 31 then receives input of pressing the voice authentication start button (S74). The contractor terminal control unit 31 then transmits information indicating that voice authentication has started to the information processing device 1 (S75).

[0087] The control unit 11 of the information processing device 1 receives information indicating that voice authentication has started from the subscriber terminal 3 (S76). The control unit 11 generates a password by randomly selecting four characters from the numbers 0 to 9 and the letters A to Z (S77). The control unit 11 transmits the generated password to the subscriber terminal 3 (S78).

[0088] The contractor terminal control unit 31 of the contractor terminal 3 acquires a password from the information processing device 1 (S79). The contractor terminal control unit 31 causes the display unit 34 to display a voice authentication screen showing the acquired password (S80). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of the characters included in the password and the contractor's name (S81). The contractor terminal control unit 31 transmits the terminal identification number and an audio file of the input voice to the information processing device 1 (S82).

[0089] The control unit 11 of the information processing device 1 acquires a terminal identification number and a voice file from the contractor terminal 3 (S83). The control unit 11 determines whether the acquired terminal identification number matches the terminal identification number pre-stored in the contractor information table 121 in the terminal identification number field (S84). The control unit 11 determines whether the voiceprint of each character of the acquired password matches the voiceprint of the contractor pre-stored in the contractor information table 121 in the verification voice field for each character (S85). If the terminal identification number and voiceprint match, the control unit 11 transmits a contract document to the guardian terminal 4 (S86). If the voiceprints do not match, the control unit 11 transmits information to the provider terminal 2 and the contractor terminal 3 indicating that voice authentication has failed.

[0090] The parent terminal control unit 41 of the parent terminal 4 acquires the contract document from the information processing device 1 (S87). The parent terminal control unit 41 displays a contract document confirmation screen on the display unit 44 (S88). The parent terminal control unit 41 accepts input of pressing the voice authentication start button (S89). The parent terminal control unit 41 transmits information indicating that voice authentication has started to the information processing device 1 (S90).

[0091] The control unit 11 of the information processing device 1 receives information indicating that voice authentication has started from the parent terminal 4 (S91). The control unit 11 generates a password by randomly selecting four characters from the numbers 0 to 9 and the letters A to Z (S92). The control unit 11 transmits the generated password to the parent terminal 4 (S93).

[0092] The parent terminal control unit 41 of the parent terminal 4 acquires a password from the information processing device 1 (S94). The parent terminal control unit 41 causes the display unit 44 to display an audio authentication screen showing the acquired password (S95). The parent terminal control unit 41 causes the audio input unit 48 to accept audio input of the characters included in the password and the name by the parent (S96). The parent terminal control unit 41 causes the input unit 45 to accept input of pressing the allow button or the disallow button (input of permission information) (S97). The parent terminal control unit 41 transmits the terminal identification number, the permission information, and an audio file of the input voice to the information processing device 1 (S98).

[0093] The control unit 11 of the information processing device 1 acquires the terminal identification number, permission information, and audio file from the parent terminal 4 (S99). The control unit 11 determines whether the acquired terminal identification number matches the terminal identification number pre-stored in the terminal identification number field of the parent information table 123 (S100). The control unit 11 determines whether the voiceprint of each character of the acquired password matches the voiceprint of the contractor pre-stored in the matching voice field of each character of the contractor information table 123 (S101). If the voiceprints match, the control unit 11 stores the parent's permission or denial of the contract (permission information) in the parent permission field of the contract document table 122 (S102). If the "permission" button on the parent terminal 4 is pressed, "permission" is stored in the parent permission field of the contract document table 122 in S98. If the "denial" button on the parent terminal 4 is pressed, "denial" is stored in the parent permission field of the contract document table 122 in S98. If the voiceprints do not match, the control unit 11 transmits information indicating that the voice authentication failed to, for example, the provider terminal 2, the contractor terminal 3, and the guardian terminal 4. The control unit 11 stores the success or failure of the contract in the contract success / failure field of the contract document table 122 (S103). If "Permitted" is stored in the guardian permission field of the contract document table 122, "Concluded" is stored in the contract success / failure field in S99. If "Not Permitted" is stored in the guardian permission field, "Not Concluded" is stored in the contract success / failure field. The control unit 11 also updates the contract document file stored in the contract document field of the contract document table 122 (S104). The control unit 11 notifies the contractor terminal 3 and the guardian terminal 4 of the success or failure of the contract (S105), and terminates the process. If the contract has been concluded, the control unit 11 notifies the contractor terminal 3 and the guardian terminal 4 in S105 by transmitting a contract document indicating that the voice authentication was successful and that the contract has been concluded. If the contract is not concluded, the control unit 11 notifies the contractor terminal 3 and the guardian terminal 4 by transmitting information to that effect in S105.

[0094] The contractor terminal control unit 31 of the contractor terminal 3 receives notification of the success or failure of the contract from the information processing device 1 (S106), displays the received notification of the success or failure of the contract on the display unit 34 (S107), and terminates the processing.

[0095] The parent terminal control unit 41 of the parent terminal 4 receives notification of the success or failure of the contract from the information processing device 1 (S108), displays the received notification of the success or failure of the contract on the display unit 24 (S109), and terminates the process.

[0096] According to the above configuration and processing, when a contractor is a person with limited legal capacity, such as a minor, the guardian can transmit information on whether the contractor is willing to enter into a contract to the information processing device 1. This allows the business operator to easily confirm the guardian's consent to the contractor's contract, and the information processing device 1 can determine that the contract has been entered into only if the guardian's consent is obtained.

[0097] (Embodiment 3) The information processing device 1 according to embodiment 3 stores a guidance voice (guidance voice) that prompts the contractor to input a contract voice. The information processing device 1 transmits the guidance voice to the contractor terminal 3. The contractor terminal 3 outputs the acquired guidance voice and prompts the contractor to input a contract voice. The contract voice according to this embodiment includes a voice uttered by the contractor to input the contractor information of the contractor into the contractor terminal.

[0098] 31 is a block diagram showing an example of the configuration of an information processing device 1 according to embodiment 3. The storage unit 12 of the information processing device 1 according to embodiment 3 stores a guidance voice table 124.

[0099] 32 is a block diagram showing an example of the configuration of the contractor terminal 3 according to the third embodiment. The contractor terminal 3 according to the third embodiment includes an audio output unit 39. When the contractor terminal 3 is a smartphone, the audio output unit 39 is a speaker built into the smartphone.

[0100] FIG. 33 is an explanatory diagram showing an example of the voice guidance table 124. The voice guidance table 124 records the content of the voice guidance output by the subscriber terminal 3 to the subscriber to prompt the subscriber to input information by voice. The management items (fields) of the voice guidance table 124 include an output order field and a voice guidance field. The output order field stores the order in which each voice guidance is output. The subscriber terminal 3 outputs each voice guidance in the order stored in the output order field. The voice guidance field stores the content of each voice guidance. The voice guidance according to this embodiment includes voice guidance prompting the subscriber to input their name by voice (1st), prompting the subscriber to input their date of birth by voice (2nd), prompting the subscriber to input their phone number by voice (3rd), prompting the subscriber to input their consent to transmitting the location information of the subscriber terminal 3 to the information processing device 1 by voice (4th), prompting the subscriber to take a photo of their identification document (5th), prompting the subscriber to input the numbers 0 to 9 and the letters A to Z by voice (6th), and prompting the subscriber to confirm whether or not to transmit the voice-input subscriber information and the subscriber's voice (7th). The guidance voice table 124 may store even more guidance voices.

[0101] The control unit 11 of the information processing device 1 transmits the guidance voice table 124 to the contractor terminal 3 that displays the contractor information input screen. The contractor terminal control unit 31 of the contractor terminal 3 that has acquired the guidance voice table 124 stores the acquired guidance voice table 124 in the storage unit 32, and causes the voice output unit 39 to output a guidance voice that prompts the contractor to input contractor information based on the stored guidance voice table 124.

[0102] 34 is a flowchart showing an example of a contractor information input process according to the third embodiment. The contractor terminal control unit 31 of the contractor terminal 3 acquires the guidance voice table 124 from the information processing device 1 (S111). The contractor terminal control unit 31 stores the acquired guidance voice table 124 in the storage unit 32 (S112). The contractor terminal control unit 31 displays a contractor information input screen (see FIG. 7) on the display unit 34 (S113).

[0103] The contractor terminal control unit 31 causes the voice output unit 39 to output the first voice guidance stored in the voice guidance table 124 (S114). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of the contractor's name (S115). The contractor terminal control unit 31 causes the voice output unit 39 to output the second voice guidance stored in the voice guidance table 124 (S116). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of the contractor's date of birth (S117). The contractor terminal control unit 31 causes the voice output unit 39 to output the third voice guidance stored in the voice guidance table 124 (S118). The contractor terminal control unit 31 causes the voice input unit 38 to accept voice input of the telephone number of the contractor terminal 3 (S119). The contractor terminal control unit 31 causes the voice output unit 39 to output the fourth voice guidance stored in the voice guidance table 124 (S120). The contractor terminal control unit 31 causes the voice input unit 38 to accept a voice input of consent to the transmission of the location information of the contractor terminal 3 to the information processing device 1 (S121). Note that in S121, the contractor can input a voice of consent to the contractor terminal 3 by inputting a voice such as "Yes" or "I understand." The contractor terminal control unit 31 causes the voice output unit 39 to output the fifth guidance voice stored in the guidance voice table 124 (S122). The contractor terminal control unit 31 causes the photographing unit 36 ​​to photograph an image of the identification document (S123).

[0104] The contractor terminal control unit 31 causes the display unit 34 to display a voice input screen (see FIG. 8 ) (S124). The contractor terminal control unit 31 causes the voice output unit 39 to output the sixth voice guidance stored in the voice guidance table 124 (S125). The contractor terminal control unit 31 causes the voice input unit 38 to accept the contractor's voice input of numbers and letters (S126). The contractor terminal control unit 31 causes the voice output unit 39 to output the seventh voice guidance stored in the voice guidance table 124 (S127). The contractor terminal control unit 31 causes the voice input unit 38 to accept the voice input of the contractor's contractor information and the contractor's voice to be transmitted to the information processing device 1 (S128). Note that in S124, the contractor can input, for example, "Yes" or "I will send," to the contractor terminal to transmit the contractor information and the contractor's voice to the information processing device 1. The subscriber terminal control unit 31 transmits the subscriber information including the subscriber's name, date of birth, telephone number, location information of the subscriber terminal 3, and an image of the identification document, as well as the audio files of the numbers and letters input in S124, and the audio file of the name input in S115 to the information processing device 1 (S129), and then terminates the processing.

[0105] According to the above configuration and processing, the contractor can easily input contractor information by making voice input in accordance with the voice guidance. The contractor terminal 3 may output the voice guidance to the contractor during contract processing after obtaining the contract document. The contractor terminal 3 may also output the voice guidance output by inputting the voice input by the contractor into a learning model such as a Generative Pre-trained Transformer (GPT).

[0106] (Embodiment 4) A policyholder according to embodiment 4 is a vehicle purchaser. The policyholder information according to embodiment 4 includes the policyholder's occupation, annual income, whether or not they have agreed to take out insurance, whether or not they have agreed to a special vehicle return clause, information about the vehicle return guarantor, information about the joint vehicle return guarantor, and information about the selection of a payment plan for the vehicle purchase price. The dealer according to this embodiment is a vehicle dealer.

[0107] FIG. 35 is a schematic diagram showing an example of the configuration of an information processing system S according to embodiment 4. The information processing system S according to embodiment 4 includes a vehicle return guarantor terminal 5 and a joint vehicle return guarantor terminal 6. The vehicle return guarantor terminal 5 is a terminal owned by a vehicle return guarantor who will return the vehicle if the contract holder defaults on payments. The joint vehicle return guarantor terminal 6 is a terminal owned by a joint vehicle return guarantor who will cooperate in returning the vehicle if the contract holder defaults on payments. The vehicle return guarantor terminal 5 and the joint vehicle return guarantor terminal 6 are, for example, smartphones and have the same configuration as the contract holder. Furthermore, the vehicle return guarantor terminal 5 and the joint vehicle return guarantor terminal 6 are identified, for example, by telephone number.

[0108] 36 is a block diagram showing an example of the configuration of the information processing device 1 according to embodiment 4. The storage unit 12 of the information processing device 1 according to embodiment 4 stores a vehicle contractor information table 125, a vehicle return guarantor information table 126, a joint vehicle return guarantor information table 127, and a payment information table 128.

[0109] 37 is an explanatory diagram showing an example of the vehicle policyholder information table 125. The vehicle policyholder information table 125 stores policyholder information of policyholders who purchase vehicles. The management items (fields) of the vehicle policyholder information table 125 include, for example, a policyholder ID field, an occupation field, an annual income field, an insurance agreement field, a vehicle return special agreement field, a vehicle return guarantor ID field, a joint vehicle return guarantor ID field, a purchased vehicle ID field, and a payment plan field.

[0110] The policyholder ID field of the vehicle policyholder information table 125 stores the policyholder ID of the policyholder who purchases the vehicle. The occupation field and annual income field store the occupation and annual income entered by the policyholder on the policyholder terminal 3, and the insurance purchase consent field stores whether or not the policyholder agrees to purchase vehicle insurance, entered by the policyholder on the policyholder terminal 3. The vehicle return special agreement field stores whether or not the policyholder agrees to returning the vehicle to the dealer if payments are not made (vehicle return special agreement), entered by the policyholder on the policyholder terminal 3. The vehicle return guarantor ID field stores the ID assigned to the vehicle return guarantor whose information the policyholder entered on the policyholder terminal 3. The vehicle return guarantor is a guarantor who will return the vehicle purchased by the policyholder to the dealer if the policyholder defaults on payments. The joint vehicle return guarantor ID field stores the ID assigned to the joint vehicle return guarantor whose information the contractor inputs on the contractor terminal 3. The vehicle return guarantor is a joint guarantor who will return the vehicle purchased by the contractor to the dealer if the contractor fails to make payment and the vehicle is not returned by the vehicle return guarantor. The purchased vehicle ID stores the vehicle ID assigned to the vehicle the contractor wishes to purchase. The payment plan field stores the payment plan input by the contractor on the contractor terminal 3.

[0111] Figure 38 is an explanatory diagram showing an example of the vehicle return guarantor information table 126. The vehicle return guarantor information table 126 stores information about the vehicle return guarantor that the contractor inputs on the contractor terminal 3. The control unit 11 of the information processing device 1 may store information about the vehicle return guarantor that is input on the vehicle return guarantor terminal 5 in the vehicle return guarantor information table 126. The management items (fields) of the vehicle return guarantor information table 126 include, for example, a vehicle return guarantor ID field, a name field, an address field, and a telephone number field.

[0112] The vehicle return guarantor ID field of the vehicle return guarantor information table 126 stores the ID assigned to the vehicle return guarantor whose information the contractor inputs on the contractor terminal 3. The name field, address field, and telephone number field store the name, address, and telephone number of the vehicle return guarantor that the contractor inputs on the contractor terminal 3.

[0113] 39 is an explanatory diagram showing an example of the joint vehicle return guarantor information table 127. The joint vehicle return guarantor information table 127 stores information about the joint vehicle return guarantor entered at the contractor terminal 3. The control unit 11 of the information processing device 1 may store information about the joint vehicle return guarantor entered at the joint vehicle return guarantor terminal 6 in the joint vehicle return guarantor information table 127. The management items (fields) of the joint vehicle return guarantor information table 127 include, for example, a joint vehicle return guarantor ID field, a name field, a relationship field, and a telephone number field.

[0114] The joint vehicle return guarantor ID field of the joint vehicle return guarantor information table 127 stores the ID assigned to the joint vehicle return guarantor. The name field stores the name of the joint vehicle return guarantor. The relationship field stores the relationship of the joint vehicle return guarantor to the contract holder. The phone number field stores the phone number of the joint vehicle return guarantor.

[0115] FIG. 40 is an explanatory diagram showing an example of a vehicle contract holder information input screen. For example, when the contract holder terminal control unit 31 of the contract holder terminal 3 receives input of information indicating that the contract holder wishes to enter into a contract to purchase a vehicle, the contract holder terminal control unit 31 causes the display unit 34 to display the vehicle contract holder information input screen. The vehicle contract holder information input screen includes a vehicle contract holder information input field, a consent input field, a vehicle return guarantor information input field, and a joint vehicle return guarantor input field. The vehicle contract holder information input field is used to input the contract holder ID, occupation, annual income, vehicle ID of the vehicle desired to purchase, and desired payment plan. The consent input field displays a check box for inputting consent to purchasing vehicle insurance and a check box for inputting consent to returning the vehicle to the dealer if payment is not fulfilled (vehicle return special clause). When each check box is checked, the contract holder terminal control unit 31 transmits "Agreement Present" information to the information processing device 1, assuming consent has been entered. The content displayed in the consent input field corresponds to notes. The name, address, and telephone number of the vehicle return guarantor are entered in the vehicle return guarantor information input field. The name, relationship, and telephone number of the joint vehicle return guarantor are entered in the vehicle return guarantor information input field. The contractor terminal control unit 31 transmits the information entered on the vehicle contractor information input screen (contractor information) to the information processing device 1.

[0116] The control unit 11 of the information processing device 1 stores the contractor information acquired from the contractor terminal 3 in the vehicle contractor information table 125, the vehicle return guarantor information table 126, and the joint vehicle return guarantor information table 127. The control unit 11 also transmits the contractor information acquired from the contractor terminal 3 to the contractor terminal 2. The contractor terminal control unit 21 of the contractor terminal 2 that has acquired the contractor information from the information processing device 1 prepares a contract document based on the acquired contractor information. Note that the contract document may be prepared by the contractor inputting the contractor information into the contractor terminal 2, or may be prepared by the control unit 11 of the information processing device 1 based on the contractor information acquired from the contractor terminal.

[0117] FIG. 41 is an explanatory diagram showing a contract document display screen on the contractor terminal 3 according to the fourth embodiment. The information processing device 1 acquires the contract document from the contractor terminal 2 and transmits the acquired contract document to the contractor terminal 3. The contractor terminal control unit 31 of the contractor terminal 3 that acquired the contract document displays the acquired contract document on the display unit 34. The contract document according to this embodiment includes the contractor ID and contractor name of the contractor selling the vehicle, the contractor ID and contractor name, occupation, annual income, vehicle ID of the vehicle to be purchased, payment plan, whether or not the contractor agrees to take out insurance, whether or not the contractor agrees to a special vehicle return clause, vehicle return guarantor information, and joint vehicle return guarantor information. The contract document according to this embodiment also includes the total payment amount, number of payments, and monthly payment amount determined based on the vehicle ID and payment plan. The contract document display screen also displays a voice authentication start button. When the voice authentication start button is pressed, the contractor terminal control unit 31 transmits a notification to the information processing device 1 that voice authentication has started and displays a voice authentication screen (see FIG. 11 ) on the display unit 34.

[0118] 42 and 43 are flowcharts showing an example of contract processing according to the fourth embodiment. The contractor terminal control unit 31 of the contractor terminal 3 causes the display unit 34 to display a vehicle contractor information input screen (S131). The contractor terminal control unit 31 causes the input unit 35 to accept input of contractor information including the contractor's occupation, annual income, whether or not they agree to take out insurance, whether or not they agree to the vehicle return special clause, information about the vehicle return guarantor, information about the joint and several vehicle return guarantor, and information about the selection of a payment plan for the vehicle purchase price (S132). The contractor terminal control unit 31 transmits the input contractor information to the information processing device 1 (S133).

[0119] The control unit 11 of the information processing device 1 acquires the contractor information from the information processing device 1 (S134). The control unit 11 stores the acquired contractor information in the vehicle contractor information table 125, the vehicle return guarantor information table 126, and the joint vehicle return guarantor information table 127 (S135). The control unit 11 transmits the contractor information to the dealer terminal 2 (S136).

[0120] The contractor terminal control unit 21 of the contractor terminal 2 acquires contractor information from the information processing device 1 (S137). The contractor terminal control unit 21 creates a contract document by entering the acquired contractor information (S138). The contractor terminal control unit 21 also enters the total payment amount, number of payments, and monthly payment amount specified based on the vehicle ID and payment plan included in the contractor information into the contract document (S139). The contractor terminal control unit 21 transmits the created contract document to the information processing device 1 (S140).

[0121] The processes of S141 to S165 are the same as the processes of S24 to S48. The control unit 11 of the information processing device 1 may determine that the contract is not concluded if the contractor has not entered into the contractor terminal 3 an agreement to the notes, including the insurance subscription or the vehicle return special clause. In other words, the control unit 11 of the information processing device 1 may determine whether the contract is concluded or not based on information regarding the existence or non-existence of agreement to the vehicle return special clause or the notes.

[0122] 44 is an explanatory diagram showing an example of the payment information table 128. The payment information table 128 records monthly payments based on payment plans for vehicles purchased by contractors. The management items (fields) of the payment information table 128 include, for example, a contractor ID field, a vehicle ID field, a payment plan field, a monthly payment field, and a payment due date field.

[0123] The contractor ID field stores the contractor ID of the contractor who has signed a contract to purchase a vehicle. The vehicle ID field stores the vehicle ID of the vehicle purchased by the contractor. The payment plan field stores the payment plan entered by the contractor on the contractor terminal 3. The monthly payment field stores the monthly amount that the contractor plans to pay based on the vehicle ID and payment plan. The memory unit 12 of the information processing device 1 stores, for example, a table in which monthly payment amounts for vehicle IDs and payment plans are recorded, and the control unit 11 refers to the table and stores the monthly payment amount in the monthly payment field of the payment information table 128. The payment due date field stores the monthly payment date on which the contractor pays the monthly payment amount.

[0124] FIG. 45 is a flowchart showing an example of payment management processing. The control unit 11 of the information processing device 1 determines whether it is a predetermined time (S171). If it is a predetermined time (e.g., 5:00 PM) (S171: YES), the control unit 11 proceeds to S172. If it is not the predetermined time (S171: NO), the control unit 11 repeats S171 and waits until the predetermined time arrives. The control unit 11 determines whether the subscriber has made a monthly payment (payment based on the payment plan) by the predetermined time on the processing day (S172). The control unit 11 determines whether a payment has been made based on information transmitted (output) from, for example, an account collection system or a credit card collection system. If a payment has been made (S172: YES), the control unit 11 returns to S171 and repeats the same processing for the next payment month. In this case, the determination in S21 determines whether it is the predetermined time on the next day.

[0125] If payment has not been made (S172: NO), the control unit 11 of the information processing device 1 determines whether the current day of the transaction is after the payment due date based on the payment information table 128 (S173). If the current day of the transaction is before the payment due date (S173: NO), the control unit 11 returns the process to S171 and repeats the same process. In this case, the determination in S171 determines whether it is a predetermined time on the next day. If the current day of the transaction is after the payment due date (S173: YES), a vehicle return request notice is sent to the vehicle return guarantor terminal 5 and the joint vehicle return guarantor terminal 6 (S174) to inform them that the contractor has not made payment and that the contractor needs to return the vehicle they purchased to the dealer, and the process ends.

[0126] According to the above configuration and processing, a contractor purchasing a vehicle can conclude a contract by inputting voice information into the contractor terminal 3. The information processing device 1 can also acquire and store information regarding consent to the terms of the vehicle purchase contract. The contractor terminal 3 may also accept contractor information input by voice input from the contractor, including the contractor's occupation, annual income, whether or not the contractor consents to insurance, whether or not the contractor consents to a special vehicle return clause, information regarding the vehicle return guarantor, information regarding the joint vehicle return guarantor, and information regarding the selection of a payment plan for the vehicle purchase price. Furthermore, when the contractor terminal 3 inputs the vehicle return guarantor information or the joint vehicle return guarantor information and transmits the input vehicle return guarantor information or the joint vehicle return guarantor information to the information processing device 1, the information processing device 1 may notify the vehicle return guarantor terminal 5 or the joint vehicle return guarantor terminal 6 that the vehicle return guarantor information or the joint vehicle return guarantor information has been input. At this time, the vehicle return guarantor terminal 5 or the joint vehicle return guarantor terminal 6 may accept input of information regarding permission for the establishment of the contract from the vehicle return guarantor or the joint vehicle return guarantor, and transmit the input information regarding permission for the establishment to the information processing device 1. The information processing device 1 determines whether the contract has been concluded based on the information regarding permission for the establishment of the contract obtained from the vehicle return guarantor terminal 5 or the joint vehicle return guarantor terminal 6. The information processing device 1 may also perform voice authentication of the vehicle return guarantor or the joint vehicle return guarantor based on the voice input to the vehicle return guarantor terminal 5 or the joint vehicle return guarantor terminal 6, and determine whether the contract has been concluded based on the success or failure of the voice authentication of the vehicle return guarantor or the joint vehicle return guarantor.

[0127] (Modification) In each of the above-described embodiments, the control unit 11 of the information processing device 1 may transmit, to the contractor terminal 3, information requesting an update of the voice file stored in the contractor information table 121. Furthermore, if the voice file stored in the contractor information table 121 has not been updated for a predetermined period (e.g., one year) or more, the control unit 11 of the information processing device 1 may determine that the contract has not been established even if it acquires an authentication voice file from the contractor terminal 3.

[0128] In each of the above-described embodiments, the control unit 11 of the information processing device 1 may determine that the contract has not been concluded if an authentication voice file is acquired after a predetermined time has elapsed since the generated password was transmitted to the contractor terminal 3. In other words, the password may function as a one-time password. In this case, the control unit 11 may generate a new password and transmit the new password to the contractor terminal 3.

[0129] In the above-described embodiments, the contractor terminal 3 accepts input of contractor information and authentication voice, but this is not limiting. For example, a customer terminal such as a personal computer installed in a store owned by the dealer may accept input of contractor information and authentication voice. The customer terminal may be installed, for example, in a booth-type private room in the store.

[0130] In each of the above-described embodiments, the contract document may include a two-dimensional code indicating an audio file of the contractor's name. In this case, the contractor terminal 2, contractor terminal 3, guardian terminal 4, vehicle return guarantor terminal 5, or joint vehicle return guarantor terminal 6 may be able to read the two-dimensional code included in the contract document to obtain an audio file of the contractor's name and play back the audio of the contractor's name.

[0131] The registration voice input at the subscriber terminal 3 may be frequency-converted using a voice filter designated from among a plurality of voice filters, and stored in the subscriber information table 121. The subscriber terminal 3 accepts, for example, on a voice input screen, input of the designation of the voice filter to be used, for example, by selecting a voice filter number. The information processing device 1 frequency-converts the input voice using a designated filter from among a plurality of stored filters, and stores the frequency-converted voice in the subscriber information table 121. The subscriber inputs the number of the voice filter selected (designated) in advance on a voice authentication screen displayed by the subscriber terminal 3. The subscriber terminal 3 transmits the input voice filter number together with the authentication voice file to the information processing device 1. The information processing device 1 may convert the acquired authentication voice using the voice filter whose number was input at the subscriber terminal 3, and determine whether the converted authentication voice matches the registration voice stored in the subscriber information table 121. Note that multiple voice filters may be used for frequency conversion.

[0132] The authentication voice that the contractor terminal 3 accepts as input when performing voice authentication is not limited to the voice of the password or contractor's name randomly determined by the information processing device 1. The contractor terminal 3 may accept input of a registered voice of any predetermined phrase, and the information processing device 1 may store the registered voice of the arbitrary phrase. The contractor inputs a predetermined phrase by voice on a voice authentication screen displayed on the contractor terminal. The contractor terminal 3 transmits the authentication voice of the input phrase to the information processing device 1. The information processing device 1 may determine whether the authentication voice of the input phrase matches the registered voice of the predetermined phrase.

[0133] The embodiments disclosed herein are illustrative in all respects and should not be considered limiting. The technical features described in each embodiment may be combined with one another, and the scope of the present invention is intended to include all modifications within the scope of the claims and equivalents thereto. Furthermore, independent and dependent claims described in the claims may be combined with one another in any and all combinations, regardless of the reference format. Furthermore, while the claims use a format in which a claim references two or more other claims (multiple claim format), this is not limiting. Multiple claims (multiple multiple claims) that reference at least one other claim may also be used.

[0134] 1 Information processing device 2 Contractor terminal 3 Contractor terminal 4 Parent terminal 5 Vehicle return guarantor terminal 6 Joint vehicle return guarantor terminal 11 Control unit 12 Memory unit 12a Storage medium 13 Communication unit 21 Contractor terminal control unit 22 Memory unit 22a Storage medium 23 Communication unit 24 Display unit 25 Input unit 31 Contractor terminal control unit 32 Memory unit 32a Storage medium 33 Communication unit 34 Display unit 35 Input unit 36 ​​Photography unit 37 Location information acquisition unit 38 Audio input unit 39 Audio output unit 41 Parent terminal control unit 42 Memory unit 42a Storage medium 43 Communication unit 44 Display unit 45 Input unit 46 Photography unit 47 Location information acquisition unit 48 Audio input unit 121 Contractor information table 122 Contract document table 123 Parent information table 124 Guidance voice table 125 Vehicle contractor information table 126 Vehicle return guarantor information table 127 Joint vehicle return guarantor information table 128 Payment information table N Network P Program Pa Application program (application program) Pb Application program (application program) Pc Application program (application program) S Information processing system

Claims

1. An information processing method for recognizing an authentication voice input by a contract holder and determining whether or not a contract has been concluded based on the recognized authentication voice.

2. The information processing method according to claim 1, further comprising: determining whether or not registration voice information relating to a registration voice previously registered by the contractor matches authentication voice information relating to the authentication voice; and determining whether or not the contract will be concluded based on whether or not the registration voice information matches the authentication voice information.

3. The information processing method according to claim 2, further comprising determining whether or not the registration voice information matches the authentication voice information based on voiceprints of the voice contained in the registration voice information and the authentication voice information.

4. The information processing method according to any one of claims 1 to 3, further comprising recording subscriber information relating to said subscriber in a database.

5. The information processing method according to claim 4, further comprising the step of outputting a contract document containing the contractor information.

6. The information processing method according to claim 4, wherein the contractor information includes information regarding whether or not the contractor agrees to a notice, and the success or failure of the contract is determined based on the information regarding whether or not the contractor agrees to the notice.

7. The information processing method according to any one of claims 4, further comprising outputting a voice guidance to the contractor, urging the contractor to input the contractor information by voice.

8. The information processing method according to any one of claims 1 to 3, further comprising the step of determining whether the contract has been concluded based on the authentication voice input to a contractor terminal owned by the contractor.

9. An information processing method as described in claim 8, further comprising: when the authentication voice is input into the subscriber terminal, outputting a notification to a guardian terminal held by the guardian of the subscriber that the authentication voice has been input into the subscriber terminal; accepting input of permission information regarding permission for the establishment of the contract at the guardian terminal; and determining whether the contract will be successful or not based on the input permission information.

10. The information processing method according to claim 4, wherein the policyholder is a contractor for purchasing a vehicle, and the policyholder information includes the policyholder's occupation, annual income, or whether or not the policyholder has agreed to insurance coverage.

11. The information processing method described in claim 4, wherein the contractor is a contractor for purchasing a vehicle, the contractor information includes whether or not the contractor agrees to a vehicle return clause to return the vehicle to the dealer if payment is not fulfilled, and the success or failure of the contract is determined based on whether or not the contractor agrees to the vehicle return clause input.

12. The information processing method described in claim 4, wherein the contractor is a contractor for purchasing a vehicle, the contractor information includes information regarding a return guarantor who will return the vehicle if the contractor fails to make payment, and the information processing method determines whether the contractor has made payment, and if the contractor has not made payment, sends a notification to a return guarantor terminal owned by the return guarantor.

13. The information processing method described in claim 4, wherein the contractor is a contractor for purchasing a vehicle, the contractor information includes information regarding a joint return guarantor who will cooperate in returning the vehicle if the contractor fails to make payment, and the information processing method determines whether the contractor has made payment, and if the contractor has not made payment, sends a notification to a joint return guarantor terminal owned by the joint return guarantor.

14. The information processing method according to claim 12, wherein the contractor is a contractor for purchasing a vehicle, the contractor information includes information regarding a selection of a payment plan for the vehicle purchase price, and it is determined whether or not payment based on the selected payment plan has been fulfilled.

15. A program that causes a computer to execute a process of recognizing an authentication voice input by a contract holder and determining whether or not the contract has been concluded based on the recognized authentication voice.

16. An information processing device having a control unit that recognizes an authentication voice input by a contract holder and determines whether the contract has been concluded based on the recognized authentication voice.

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