JP7609253B2 - Information control device, information control method, and program - Google Patents

Description

The present disclosure relates to an information control device, an information control method, and a computer-readable medium.

In recent years, various systems have been developed that accumulate information on user behavior and purchases and provide services suited to the user. For example, Patent Document 1 discloses an information processing device that acquires behavioral information indicating a user's behavior on the Internet and, based on the behavioral information, selects and combines insurance-related products required by the user from among multiple insurance-related products related to insurance within the range of insurance premiums set by the user. Patent Document 2 discloses technology relating to a device that links biometric information with purchasing information and processes it.

JP 2019-144775 A JP 2020-144787 A

When a user purchases a product or service, the user may subscribe to an insurance service for the product or service. In such cases, it is often difficult for the user to determine in advance whether the insurance service is necessary or not. For example, the user may suffer a disadvantage by subscribing to an unnecessary insurance service or not subscribing to a necessary insurance service.
In the method of Patent Document 1, insurance-related products are selected based on user behavioral information, but since the user behavioral information is limited to that on the Internet and is based on predicted risks predicted from the behavioral information rather than on products or services, there is a possibility that unnecessary insurance services will be selected.

This disclosure has been made to solve such problems, and aims to provide an information control device, an information control method, and a computer-readable medium that can provide insurance services suitable for users.

The information control device according to the present disclosure includes:
a first registration unit that registers registration information in which biometric information and personal information of a predetermined user are associated with each other;
An acquisition unit that acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase;
a biometric authentication control unit that controls biometric authentication for the acquired biometric information by using the registration information;
a second registration unit that, if the biometric authentication is successful, registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication;
A determination unit that determines an insurance service corresponding to a user who has successfully passed the biometric authentication based on the registration information;
and an output unit that outputs information about the insurance service determined by the determination unit.

The information control method according to the present disclosure includes:
The computer
registering registration information in which biometric information and personal information of a predetermined user are associated with each other;
Acquire purchase information regarding a product or service purchased by a user and biometric information of the user who made the purchase;
controlling biometric authentication for the acquired biometric information using the registration information;
If the biometric authentication is successful, the purchase information is associated with the registration information of the user who has succeeded in the biometric authentication and registered;
determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information;
The method outputs information about the determined insurance service.

The computer-readable medium according to the present disclosure comprises:
registering registration information in which biometric information and personal information of a predetermined user are associated with each other;
acquiring purchase information relating to a product or service purchased by a user and biometric information of the user who made the purchase;
controlling biometric authentication of the acquired biometric information using the registration information;
If the biometric authentication is successful, registering the purchase information in association with the registration information of the user who has succeeded in the biometric authentication;
determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information;
outputting information about the determined insurance service;
A non-transitory computer-readable medium on which a program for causing a computer to execute the above is stored.

According to the present disclosure, it is possible to provide an information control device, an information control method, and a computer-readable medium that can provide insurance services suitable for users.

1 is a block diagram showing a configuration of an information control device according to a first embodiment. 4 is a flowchart showing an information control method according to the first embodiment. 11 is an example of a display of a store terminal or a user terminal according to the first embodiment. 10 is a flowchart showing an information control method according to a second embodiment. FIG. 13 is a block diagram showing a configuration of an information control system according to a third embodiment. FIG. 13 is a block diagram showing a configuration of an authentication device according to a third embodiment. 13 is a flowchart showing a process of an authentication device according to a third embodiment. 13 is a flowchart showing a process of an authentication device according to a third embodiment. FIG. 13 is a block diagram showing a configuration of an information control device according to a third embodiment. FIG. 11 is a block diagram showing a configuration of a user terminal according to the third embodiment. 13 is an example of a display of a user terminal according to the third embodiment. 13 is an example of a display of a user terminal according to the third embodiment. FIG. 13 is a block diagram showing a configuration of a store terminal according to a third embodiment.

Hereinafter, an embodiment of the present disclosure will be described in detail with reference to the drawings. In each drawing, the same or corresponding elements are denoted by the same reference numerals, and duplicated explanations will be omitted as necessary for clarity of explanation.

First Embodiment
The configuration of the information control device 10 will be described with reference to Fig. 1. Fig. 1 is a block diagram showing the configuration of the information control device 10 according to the first embodiment. As shown in Fig. 1, the information control device 10 has a first registration unit 110, an acquisition unit 111, a biometric authentication control unit 112, a second registration unit 113, a determination unit 114, and an output unit 115.

The information control device 10 is a computer that can determine and provide insurance services suitable for a user who has successfully passed biometric authentication, based on the user's purchasing information and personal information in the registration information. The information control device 10 may be connected to a specified terminal and device via a communication network (hereinafter, the communication network will also be simply referred to as a network) or a specified wireless communication. The network may be wired or wireless, and the type of communication protocol may be any type. The terminal and device may be a terminal owned by the user (hereinafter, referred to as a user terminal), a store terminal, an authentication device, a storage device, etc. The user terminal is, for example, a smartphone or a tablet.

The first registration unit 110 registers registration information that associates a specific user's biometric information with personal information. The first registration unit 110 may register the registration information in a storage device provided inside the information control device 10, or in a storage device provided externally. For the biometric information, for example, facial feature information that can be obtained from a face image, or data (feature amount) calculated from physical features unique to an individual, such as fingerprints, voiceprints, veins, retina, and iris patterns, may be used. The information control device 10 may obtain biometric information for the registration information from the user via a biometric information obtaining device such as a camera.

Personal information may include, for example, the user's name, gender, date of birth, address, nationality, the user's contact information (telephone number, email address, social network service account, etc.), family composition, income information, bank account information, etc. Personal information may also include, for example, insurance information regarding insurance services for purchased products or services to which the user has subscribed. Insurance services include, for example, repair insurance, non-life insurance, and personal injury insurance.

The acquisition unit 111 acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase. Purchase information related to a product or service is information related to the purchase history, such as the content of the product or service purchased by the user, the purchase amount, the purchase date and time, and the number of purchases. Examples of products include electronic products, electrical appliances, sporting goods, furniture, musical instruments, etc. Examples of services include experiential activities and sports lessons, etc.

The acquisition unit 111 acquires purchasing information related to the product or service and biometric information of the user from a terminal (hereinafter referred to as a store terminal) installed in a store that sells the product or service in response to the user's purchase of the product or service. The store terminal is, for example, a computer installed in a store that sells the product or service, and can acquire purchasing information related to the product or service and biometric information of the user. When the user purchases a product or service, the store terminal takes a facial image of the user and transmits the purchasing information related to the product or service purchased by the user and the facial image of the user to the acquisition unit 111. This allows the acquisition unit 111 to acquire the purchasing information and facial image of the user via the store terminal. Note that, although it has been described that the store terminal takes a facial image of the user, biometric information other than the facial image may be acquired. Furthermore, the registration information may include purchasing information at multiple stores.

The acquisition unit 111 outputs the facial image acquired from the store terminal to the biometric authentication control unit 112. The acquisition unit 111 may store the facial image acquired from the store terminal in a storage device. In this case, the biometric authentication control unit 112 can acquire the facial image from the storage device. The acquisition unit 111 also outputs the purchasing information acquired from the store terminal to the second registration unit 113. The acquisition unit 111 may store the purchasing information acquired from the store terminal in a storage device. In this case, the second registration unit 113 can acquire the purchasing information from the storage device.

The biometric authentication control unit 112 controls biometric authentication of the acquired biometric information using the registration information. Specifically, the biometric authentication control unit 112 transmits the acquired biometric information to an authentication device that stores facial feature information in advance using the registration information, and causes the authentication device to perform biometric authentication. The authentication device may be provided inside the biometric authentication control unit 112 or may be provided externally. When the information control device 10 has the above-mentioned authentication device built in, the biometric authentication control unit 112 performs biometric authentication processing by matching the biometric information. The detailed configuration of the authentication device will be described later.

Instead of biometric authentication, identity authentication may be performed using specified identity verification information. Examples of identity verification information include My Number, health insurance card, passport, a combination of ID and password, a two-dimensional code that can identify the individual, and an electronic certificate. Identity authentication is a method of authentication by comparing acquired identity verification information with identity verification information for authentication.

If the biometric authentication is successful, the second registration unit 113 registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication. In other words, the user's personal information and purchase information are registered in association with each other in the registration information.

The determination unit 114 determines an insurance service suitable for a user who has succeeded in biometric authentication based on the registration information. For example, the determination unit 114 may determine an insurance service suitable for a user when the user purchases a product or service.
For example, when a user purchases a first product and a second product, the determination unit 114 may determine an insurance service that can be applied to both the first product and the second product. Furthermore, when a user purchases a second product in a situation where the user has subscribed to a first insurance service for the first product, the determination unit 114 may determine a second insurance service that can be applied to both the first product and the second product. In this case, the user can update the first insurance service for the first product to the second insurance service that can be applied to both the first product and the second product.
This allows the user to reduce the subscription of excessive insurance services and to subscribe to appropriate insurance services based on actual purchasing information.

The determination unit 114 may also refer to the user's personal information included in the registration information and determine the insurance service based on the user's age. For example, when an elderly person or a child purchases an experiential activity service, the insurance service may be determined to be personal injury insurance with comprehensive coverage based on the user's age and the content of the experiential activity. This allows the information control device 10 to determine an insurance service suitable for the user.

The output unit 115 outputs information related to the insurance service determined by the determination unit 114. For example, the output unit 115 may communicate with a store terminal and cause a display unit (not shown) of the store terminal to display the contents of the insurance service determined by the determination unit 114. In addition, the output unit 115 may notify the user terminal of the contents of the insurance service determined by the determination unit 114 using contact information included in the personal information of the user registered in the registration information.

By being provided with at least a portion of the above configuration, the information control device 10 can determine insurance services suitable for the user and provide them to the user. This allows the information control device 10 to reduce the risk that the user will subscribe to unnecessary insurance services and the risk that the user will suffer disadvantages by not subscribing to necessary insurance services.

Next, the processing performed by the information control device 10 will be described with reference to Figure 2. Figure 2 is a flowchart showing an information control method performed by the information control device 10 according to the first embodiment. In the following explanation, for simplicity, biometric authentication will be taken as facial authentication, and biometric information will be taken as a facial image or facial feature information extracted from a facial image.

First, the first registration unit 110 of the information control device 10 registers registration information in which the user's face image and personal information are associated with each other in the storage device (step S11). For example, the user can register biometric information and personal information in the information control device 10 by sending his/her face image and his/her personal information to the information control device 10 using a user terminal. For the face image, for example, face image data included in an identification document such as a My Number card or a passport may be used. In addition, if the information control device 10 is provided with a photographing function, the user may register the face image in the information control device 10 by photographing the face image using the photographing function of the information control device 10. In addition, the user may register the personal information in the information control device 10 by inputting the personal information into a predetermined format provided by the information control device 10 using a user terminal. In addition, if the information control device 10 is provided with an input device, the user may register the personal information in the information control device 10 using the input device.

Biometric information (face image or facial feature information) and personal information may be directly associated with each other, and may be indirectly associated with each other. For example, a first storage device inside the information control device 10 may register a user ID and personal information in association with each other, and a second storage device outside the information control device 10 may register a user ID and biometric information in association with each other. Here, the second storage device may be an authentication device. For example, the authentication device extracts features from a face image of a user and acquires facial feature information. The authentication device may also issue a user ID, which is, for example, identification information of a user, and store the user ID and the facial feature information of the user in association with each other. Then, the first registration unit 110 may store the user ID issued by the authentication device in association with the personal information in the first storage device. An example of face authentication control using an authentication device will be described below.

The acquisition unit 111 acquires purchase information related to the product or service purchased by the user and biometric information of the user who made the purchase (step S12). The acquisition unit 111 acquires purchase information and a facial image of the user in response to the purchase of the product or service through a store terminal installed in the store. The product or service may be purchased by a payment system using biometric authentication provided in the store terminal. The biometric authentication control unit 112 transmits the acquired facial image to the authentication device and causes the authentication device to perform facial authentication (step S13). Specifically, the biometric authentication control unit 112 transmits the acquired facial image to the authentication device and requests the authentication device to perform authentication. As described above, the authentication device stores the identification information and facial feature information of multiple users in association with each other. The authentication device extracts a predetermined feature amount from the user's facial image acquired from the biometric authentication control unit 112, and compares the extracted feature amount with the stored facial feature information. If the authentication is successful, the authentication device identifies and specifies the user, and transmits the identification information of the specified user to the biometric authentication control unit 112 as an authentication result.

The biometric authentication control unit 112 determines whether the authentication is successful (step S14). The biometric authentication control unit 112 determines whether the authentication is successful, for example, based on the authentication result received from the authentication device. For example, if the authentication result indicates that the authentication has failed, the biometric authentication control unit 112 does not determine that the authentication is successful (step S14: NO). In this case, the information control device 10 ends the processing.

On the other hand, if the authentication result received from the authentication device indicates successful authentication, the biometric authentication control unit 112 determines that the authentication is successful (step S14: YES). If the authentication is successful, the second registration unit 113 registers the purchase information in association with the registration information of the user who succeeded in the biometric authentication (step S15). Specifically, the second registration unit 113 registers the user ID identified by the biometric authentication in association with the purchase information. After registration, the determination unit 114 determines an insurance service corresponding to the user who succeeded in the biometric authentication based on the registration information of the user who succeeded in the biometric authentication (step S16).

The output unit 115 outputs information related to the insurance service determined by the determination unit 114 (step S17). The output unit 115 may output information related to the insurance service determined by the determination unit 114 to a store terminal or a user terminal, and present the determined insurance service to the user via the store terminal or the user terminal. The determination unit 114 may determine multiple candidate insurance services. In this case, the output unit 115 may output information related to the multiple insurance services determined by the determination unit 114 to a store terminal or a user terminal, and present the determined multiple insurance services to the user via the store terminal or the user terminal.

Figure 3 is an example of a display screen of a store terminal or a user terminal. In Figure 3, information such as the contents of the insurance service, the premium, the scope of coverage, the insured person, and the compensation content is displayed. The display screen may further display information such as the insurance coverage period and the specific insurance amount and compensation. The user can select and decide on the insurance service to contract from the multiple insurance services presented.

Note that steps S12 to S15 may be repeated in response to the purchase of a product or service by the user. Also, the decision of the insurance service in step S16 and the output of the information on the insurance service in step S17 may be performed multiple times independently, or may be performed at a predetermined timing.
Also, step S16 and step S17 may be performed at a predetermined timing before the insurance period of the insurance service to which the user is currently subscribed ends. Specifically, the recommendation regarding the insurance service may be notified to the user terminal one or two months before the insurance period of the insurance service to which the user is currently subscribed ends or the time for renewal. Also, the recommendation regarding the insurance service may be notified to the user terminal when the user purchases a product or service, or when the user makes an inquiry by biometric authentication or identity authentication even if there is no registered information such as purchase information. Also, even if there is no inquiry from the user, the recommendation regarding the insurance service may be automatically notified to the user terminal at a predetermined timing.

The above describes the information control device 10 according to the first embodiment. The information control device 10 includes a processor, a memory, and a storage device, which are not shown in the figure. The storage device also stores a computer program (hereinafter simply referred to as a program) that implements the processing of the information control method according to this embodiment. The processor also loads the computer program from the storage device into the memory and executes the program. As a result, the processor realizes the functions of the first registration unit 110, the acquisition unit 111, the biometric authentication control unit 112, the second registration unit 113, the determination unit 114, and the output unit 115.

Each component of the information control device 10 may be realized by dedicated hardware. In addition, some or all of the components may be realized by general-purpose or dedicated circuits, processors, etc., or a combination of these. These may be configured by a single chip, or by multiple chips connected via a bus. Some or all of the components of each device may be realized by a combination of the above-mentioned circuits, etc., and programs. In addition, a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), an FPGA (field-programmable gate array), a quantum processor (quantum computer control chip), etc. can be used as a processor.

In addition, when some or all of the components of the information control device 10 are realized by multiple information control devices, circuits, etc., the multiple information control devices, circuits, etc. may be centrally located or distributed. For example, the information control devices, circuits, etc. may be realized as a client-server system, cloud computing system, etc., each of which is connected via a communication network. In addition, the functions of the information control device 10 may be provided in the form of SaaS (Software as a Service).

As described above, the information control device 10 according to the first embodiment can determine insurance services appropriate for a user based on registration information including purchase information, and provide the same to the user. This allows the information control device 10 to reduce the risk that the user will subscribe to unnecessary insurance services and the risk that the user will suffer disadvantages due to not subscribing to necessary insurance services. Note that, since the information control device 10 performs biometric authentication, there is no need for the user to manage IDs and passwords, and there is no excessive burden on the user.
According to the present embodiment, it is possible to provide an information control device, an information control method, and a computer-readable medium that are capable of providing insurance services suited to a user.

Second Embodiment
The information control device 10 according to the second embodiment can calculate insurance services and insurance premiums for the insurance services that are suitable for a user based on the registration information. The configuration of the information control device 10 according to the second embodiment is similar to the configuration of the information control device 10 according to the first embodiment shown in Fig. 1, and therefore will be described using the same reference numerals. In addition, the following description will focus on the differences from the first embodiment, and detailed descriptions of the same contents as those in the first embodiment will be omitted as appropriate.

The first registration unit 110 may register the user's health information by further associating it with the registration information in which the biometric information and personal information of a specific user are associated. The registration information includes, for example, the user's medical history, concerns about the user's own health condition, and whether or not the user exercises regularly. The determination unit 114 may use the health information included in the registration information to determine the insurance service. For example, when a user who does not exercise regularly purchases a service involving exercise such as an experiential activity, the determination unit 114 may determine that there is a high possibility of injury and determine an insurance service of injury insurance that is expensive but has a good compensation. On the other hand, when a user who exercises regularly and does not have a medical history purchases a service involving exercise such as an experiential activity, the determination unit 114 may determine that there is a low possibility of injury and determine a low-priced injury insurance with a minimum compensation content as the insurance service. In other words, the determination unit 114 can determine the insurance service based on the registration information including the user's health information.

In addition, the determination unit 114 may determine an insurance service by referring not only to the registration information but also to information on insurance services subscribed to by other users who have similar attributes to the user (e.g., similar age, gender, or family structure). This allows the determination unit 114 to determine an insurance service that is more suitable for the user. The determination unit 114 may determine an insurance service subscribed to by other users who have similar attributes to the user as one of the insurance service candidates. In this case, the output unit 115 may present to the user the insurance service subscribed to by other users who have similar attributes to the user determined by the determination unit 114 by outputting it to a user terminal or a store terminal.

The determination unit 114 may determine an insurance service corresponding to a user who has successfully passed biometric authentication by selecting an insurance service corresponding to a product or service from among a plurality of insurance services and calculating the insurance premium for the selected insurance service based on the registration information of the user who has successfully passed biometric authentication. For example, the determination unit 114 can select an insurance service corresponding to a product or service purchased by the user from a plurality of insurance services such as repair insurance, non-life insurance, and accident insurance. For example, when the user purchases an electrical appliance, the determination unit 114 can select repair insurance corresponding to the electrical appliance from a plurality of insurance services. In addition, the determination unit 114 can calculate the insurance premium for repair insurance suitable for the user based on the registration information of the user who has successfully passed biometric authentication. The calculation method of the insurance premium will be described below.

For example, the determination unit 114 calculates the insurance premium for the insurance service based on the purchasing history of the product or service during a specified period included in the purchase information. For example, since it is considered that the more times a product or service that is the subject of the insurance service is purchased, the more the number of times the insurance will be applied will increase, the determination unit 114 may calculate a higher insurance premium for the insurance service. On the other hand, since it is considered that the more often a product or service that is the subject of the insurance service is purchased, the less the number of times the insurance will be applied, the determination unit 114 may calculate a lower insurance premium for the fewer times the product or service is purchased during a specified period.

The determination unit 114 may calculate the insurance premium for the insurance service by further taking into account the location where the biometric authentication was successful. For example, when the location where the biometric authentication was successful is an experiential activity facility, the determination unit 114 may determine that the insurance service for the experiential activity, etc. (e.g., injury insurance, non-life insurance, etc.) is likely to be covered, and may calculate a higher insurance premium. Also, for example, when the location where the biometric authentication was successful is not an experiential activity facility, the determination unit 114 may determine that the insurance service for the experiential activity, etc. (e.g., injury insurance, non-life insurance, etc.) is unlikely to be covered, and may calculate a lower insurance premium.

The determination unit 114 may calculate the insurance premium for the insurance service by further taking into account information indicating the characteristics of the purchased product or service. Here, the information indicating the characteristics of the purchased product or service is, for example, information such as the product's failure history, failure frequency, failure rate, and the manufacturer that produces the product. For example, the determination unit 114 may determine that a product with a high failure rate is likely to be insured and calculate a high insurance premium for the insurance service. On the other hand, the determination unit 114 may determine that a product with a low failure rate is likely to be insured and calculate a low insurance premium for the insurance service.

The second registration unit 113 may register the registration information of a user who has successfully passed biometric authentication in association with the user's insurance service application history for a specified period of time. As a result, the user's insurance service application history for a specified period of time is registered in the registration information. The insurance service application history is information such as the number of times the insurance service was applied, the compensation amount at the time of application, and the application date.

The determination unit 114 may calculate the insurance premium for the insurance service based on the application history of the insurance service in a specified period. For example, the determination unit 114 may calculate a higher insurance premium for the insurance service as the number of times the insurance service is applied in a specified period increases. In other words, the determination unit 114 may determine that the user is a frequent user of insurance services as the number of times multiple insurance services are applied in a specified period increases, and may calculate a higher insurance premium for the insurance service. The determination unit 114 may calculate a lower insurance premium for the insurance service as the number of times the insurance service is applied in a specified period decreases. In other words, when the number of times multiple insurance services are applied in a specified period is small, the determination unit 114 may determine that the user is a user who does not use insurance services very often, and may calculate a lower insurance premium for the insurance service. The determination unit 114 may update the insurance premium for the insurance service to the calculated premium. This allows the user to pay an appropriate insurance premium based on the application history of the insurance service.

The payment method for insurance premiums for insurance services may be a flat-rate billing method.
The information control device 10 may also have a function of performing processing related to a contract for an insurance service. For example, when a user agrees to subscribe to an insurance service, the information control device 10 may perform processing related to the contract using personal information included in the registration information. For example, when a user subscribes to an insurance service, the information control device 10 may debit the insurance premium for the insurance service using the user's account information included in the registration information.

As described above, the information control device 10 according to the second embodiment can provide insurance services suited to a user by selecting an insurance service and calculating the insurance premium based on the registration information of a user who has successfully passed biometric authentication. This allows the information control device 10 to determine insurance services and insurance premiums for the insurance services that are personalized for each user, thereby reducing the risk that a user will subscribe to unnecessary insurance services and the risk that a user will suffer disadvantages due to not subscribing to necessary insurance services.

Below, the processing of the information control device 10 according to the second embodiment will be described with reference to Figure 4. Figure 4 is a flowchart showing an information control method of the information control device 10 according to the second embodiment. Steps S21 to S25 in Figure 4 are similar to steps S11 to S15 in Figure 2, and therefore will not be described.

The determination unit 114 selects an insurance service corresponding to the product or service from among a plurality of insurance services based on the registration information (step S26). If the user has already subscribed to an insurance service, the determination unit 114 may determine an insurance service that includes the contents of the insurance service. The determination unit 114 further calculates the insurance premium for the selected insurance service based on the registration information (step S27). If the user has already subscribed to an insurance service, the determination unit 114 may calculate the insurance premium for the insurance service that includes the contents of the insurance service. In other words, the determination unit 114 determines the contents of the insurance service and the insurance premium for the insurance service based on the registration information.

The output unit 115 outputs information about the insurance service determined by the determination unit 114 (step S28). The output unit 115 may output information about the insurance service determined by the determination unit 114 to a store terminal or a user terminal, and present the determined insurance service to the user via the store terminal or the user terminal. Note that, as in the first embodiment, the determination unit 114 may determine multiple candidate insurance services. In this case, the output unit 115 may output information about the multiple insurance services determined by the determination unit 114 to a store terminal or a user terminal, and present the determined multiple insurance services to the user via the store terminal or the user terminal.

Note that steps S22 to S28 may be repeated in response to the user's purchase of a product or service. Also, steps S26, S27, and S28 may be performed multiple times independently, or may be performed at a predetermined timing.

As described above, the information control device 10 according to the second embodiment can determine and provide an insurance service suitable for a user by selecting the insurance service and calculating the insurance premium based on the registration information of the user who has successfully passed biometric authentication. This allows the information control device 10 to determine an insurance service and the insurance premium for the insurance service personalized for each user, thereby reducing the risk that the user will subscribe to an unnecessary insurance service and the risk that the user will suffer disadvantages due to not subscribing to a necessary insurance service.

Third Embodiment
The third embodiment is a specific example of the first and second embodiments described above. FIG. 5 is a block diagram showing the overall configuration of an information control system 1000 according to the third embodiment. The information control system 1000 includes an information control device 10a, an authentication device 200, a user terminal 400, and a store terminal 500. The information control device 10a, the authentication device 200, the user terminal 400, and the store terminal 500 are connected via a network 300. The store terminal 500 is provided in a store 610. The information control device 10a is an information control device that registers purchase information of a user U1 acquired at the store terminal 500 of the store 610 in association with registration information, and provides an insurance service suitable for the user U1 based on the registration information. The number of stores may be two or more. In addition, the purchase information may include purchase information at other stores, and may include purchase information in online shopping.
In this embodiment, the information control device 10a includes a storage device 120. Further, descriptions that overlap with the first and second embodiments will be omitted as appropriate.

The network 300 is a wired or wireless communication line, for example, the Internet. The user terminal 400 is a terminal owned by the user U1, for example, a smartphone, a tablet, etc. The store terminal 500 is a terminal device that can be installed in the store 610 and other stores, and multiple terminals may be installed in each specified store. For example, the store terminal 500 is installed at a place where a product or service is purchased in the store. In FIG. 5, for simplicity of explanation, the store 610 is used as an example. The store terminal 500 is a computer having a communication function, a storage device, a computing device, and a photographing function. The store terminal 500 may have a payment function using biometric authentication. The store terminal 500 takes a facial image of the user in response to the user's purchase of a product or service, and transmits the facial image of the user and the purchase information to the information control device 10a.

The authentication device 200 stores facial feature information of multiple users, including user U1, in association with a user ID, which is the user's identification information. In response to a facial authentication request received from the outside, the authentication device 200 acquires facial feature information using a facial image included in the request, compares it with the facial feature information of each user, and returns the authentication result, which is the comparison result, to the request source.

Figure 6 is a block diagram showing the configuration of an authentication device 200 according to the third embodiment. The authentication device 200 includes a face information DB (Data Base) 210, a face detection unit 220, a feature point extraction unit 230, a registration unit 240, and an authentication unit 250. The face information DB 210 stores a user ID 211 and facial feature information 212 of the user ID 211 in association with each other. The facial feature information 212 is a collection of feature points extracted from a face image. The authentication device 200 may delete the facial feature information 212 of the user in the face information DB 210 in response to a request from the user. Alternatively, the authentication device 200 may delete the facial feature information 212 in the face information DB 210 after a certain period of time has elapsed since the registration of the facial feature information 212.

The face detection unit 220 detects a face area included in the face image for registration received from the information control device 10a and outputs it to the feature point extraction unit 230. The feature point extraction unit 230 extracts feature points from the face area detected by the face detection unit 220 and outputs facial feature information to the registration unit 240. The registration unit 240 issues a new user ID 211 when registering the facial feature information. The registration unit 240 associates the issued user ID 211 with the facial feature information 212 extracted from the facial image and registers them in the face information DB 210. The registration unit 240 notifies the information control device 10a of the issued user ID 211.

Next, the face detection unit 220 detects a face area included in the face image for biometric authentication received from the information control device 10a and outputs it to the feature point extraction unit 230. The face image for biometric authentication is a face image acquired by the acquisition unit 111 to perform biometric authentication after the user ID 211 is issued. The feature point extraction unit 230 extracts feature points included in the received face image and outputs face feature information to the authentication unit 250. The authentication unit 250 performs face authentication using the face feature information 212. Specifically, the authentication unit 250 compares the face feature information extracted from the face image with the face feature information 212 in the face information DB 210. If the comparison is successful, the authentication unit 250 identifies the user ID 211 associated with the compared face feature information 212. The authentication unit 250 returns the presence or absence of a match of the face feature information to the requester as a face authentication result. The presence or absence of a match of the face feature information corresponds to the success or failure of authentication. Note that the face feature information matches when the degree of match is equal to or greater than a threshold value. Furthermore, if face authentication is successful, the face authentication result includes the identified user ID 211.

Figure 7 is a flowchart showing the processing of the authentication device according to the third embodiment. Here, an information registration terminal (not shown) photographs the user's body including the face, and transmits a face information registration request including the photographed face image to the authentication device 200 via the network 300. The information registration terminal is, for example, an information processing device such as a personal computer, a smartphone, or a tablet terminal. For example, the information registration terminal may be a user terminal 400, or may be an information control device 10a that has received a face information registration request from the user terminal 400.

First, the authentication device 200 acquires a face image of the user for registration included in the face information registration request (step S31). For example, the authentication device 200 accepts the face information registration request from the information registration terminal via the network 300. Next, the face detection unit 220 detects a face area included in the face image (step S32). Next, the feature point extraction unit 230 extracts feature points from the face area detected in step S32 and outputs face feature information to the registration unit 240 (step S33). Finally, the registration unit 240 issues a user ID 211 and associates the user ID 211 with the face feature information 212 and registers it in the face information DB 210 (step S34). The authentication device 200 may receive the face feature information 212 from the information registration terminal and register it in the face information DB 210 in association with the user ID 211. The registration unit 240 may also notify the information registration terminal or the information control device 10a of the registered (issued) user ID 211.

Figure 8 is a flowchart showing authentication processing by the authentication device 200 according to the third embodiment. First, the feature point extraction unit 230 acquires a face image for biometric authentication included in the face authentication request (step S41). For example, the authentication device 200 receives a face authentication request from the information control device 10a via the network 300, and extracts face feature information from the face image included in the face authentication request as in steps S31 to S33. Alternatively, the authentication device 200 may receive face feature information from the information control device 10a.

Next, the authentication unit 250 compares the acquired facial feature information with the facial feature information 212 in the facial information DB 210 (step S42). If the facial feature information matches, that is, if the degree of match of the facial feature information is equal to or greater than a threshold (step S43: Yes), the authentication unit 250 identifies the user ID 211 of the user whose facial feature information matches (step S44). The authentication unit 250 transmits to the information control device 10a a message indicating that facial authentication was successful and the identified user ID 211 (step S45). If there is no matching facial feature information (step S43: No), the authentication unit 250 replies to the information control device 10a that facial authentication has failed (step S46).

Next, the configuration of the information control device 10a will be described in detail. Figure 9 is a block diagram showing the detailed configuration of the information control device 10a according to the third embodiment. The information control device 10a includes a storage device 120, a storage unit 310, a memory 320, a communication unit 330, and a control unit 340. The information control device 10a may be redundantly configured with multiple servers, and each functional block may be realized by multiple computers.

The storage device 120 is a storage device such as a hard disk or a flash memory. The storage device 120 stores the user's personal information 121, user ID 122, purchase information 123, insurance information 124, and health information 125. The insurance information 124 includes information on the contents of insurance services, insurance premiums, and the user's insurance service application history for a specified period. The user ID 122 is an example of user identification information, and is information corresponding to the user ID 211 in the face information DB 210 of the authentication device 200 described above. The user ID 122 may be the same ID as long as it is associated with the user ID 211, or may be a different ID as long as it can uniquely identify the user ID 211. Therefore, the facial feature information 212 (biometric information) of the face information DB 210 of the authentication device 200, the personal information 121, the purchase information 123, the insurance information 124, and the health information 125 are associated with each other via the user ID, and these can be collectively regarded as the above-mentioned registered information.

The storage device 120 stores a user ID 122, personal information 121, purchasing information 123, insurance information 124, and health information 125 in association with each other. When the storage device 120 receives a signal from the information control device 10a including the user ID 122 and requesting the personal information 121, purchasing information 123, insurance information 124, or health information 125 corresponding to the user ID 122, the storage device 120 outputs the personal information 121, purchasing information 123, insurance information 124, or health information 125 corresponding to the user ID 122 to the information control device 10a.

The storage unit 310 is an example of a storage medium such as a hard disk or a flash memory. The storage unit 310 stores a program 311. The program 311 is a computer program that implements the processing of the information control method according to the third embodiment.

The memory 320 is a volatile storage device such as a RAM (Random Access Memory), and is a storage area for temporarily storing information when the control unit 340 is operating. The communication unit 330 is a communication interface with the network 300.

The control unit 340 is a processor, i.e., a control unit, that controls each component of the information control device 10a. The control unit 340 loads the program 311 from the storage unit 310 into the memory 320 and executes the program 311. In this way, the control unit 340 realizes the functions of the first registration unit 110, the acquisition unit 111, the biometric authentication control unit 112, the second registration unit 113, the determination unit 114, and the output unit 115 according to the first to third embodiments described above.

Figure 10 is a block diagram showing the configuration of a user terminal 400 according to the third embodiment. The user terminal 400 includes a camera 410, a memory unit 420, a communication unit 430, an input/output unit 440, and a control unit 450.

The camera 410 photographs the user U1 according to the control of the control unit 450. The memory unit 420 is a storage device in which (application) programs for implementing each function of the user terminal 400 are stored. The communication unit 430 is a communication interface with the network 300. The input/output unit 440 includes a display device and an input device. The input/output unit 440 is, for example, a touch panel. The control unit 450 controls the hardware of the user terminal 400. The control unit 450 loads the program from the memory unit 420 into the memory and executes it. As a result, the control unit 450 realizes the function of controlling the camera 410, the memory unit 420, the communication unit 430, and the input/output unit 440. The user can use the user terminal 400 to register biometric information and personal information as registration information in the information control device 10a. In addition, the user can obtain information on the contents of the insurance service and the insurance premium from the information control device 10a via the user terminal 400. Furthermore, the user can carry out contract procedures for insurance services via the user terminal 400 or the shop terminal 500 .

Figure 11 is an example of a screen displayed on the user terminal 400. A specific application is installed on the user terminal 400. The user terminal 400 can use the application to obtain information about insurance services from the information control device 10a. The user terminal 400 can also use the application to display information about insurance services on the screen of the user terminal 400. The user terminal 400 may request the information to be obtained from the information control device 10a.

FIG. 11 shows a list of insurance services to which the user has subscribed. The contents displayed are not limited to these, but may include, for example, the contents of insurance, the applicable period, and the insurance premium as the subscribed insurance service. The monthly paid insurance premium may also be displayed. FIG. 11 shows that the user has subscribed to accident insurance and repair insurance. As shown in FIG. 11, the applicable period of the accident insurance is from January 1, 2021 to December 31, 2021, and the premium is 2,000 yen per month. Furthermore, the applicable period of the repair insurance is from January 1, 2019 to December 31, 2021, and the premium is 1,000 yen per month. Thus, FIG. 11 shows that the monthly premium is 3,000 yen. In this way, the user can use the user terminal to check information such as the contents of the subscribed insurance service, the applicable period, the insurance premium, and the monthly paid insurance premium (amount paid).
For example, even if there is no registered information such as purchase information, when the user makes an inquiry through biometric authentication or identity verification, the subscribed insurance service as shown in Fig. 11 may be displayed. Furthermore, when the user purchases a product or service, a new insurance service as shown in Fig. 3 may be presented or recommended, and the subscribed insurance service as shown in Fig. 11 may be displayed. The content displayed in Fig. 11 may be displayed not only on the user terminal 400 but also on the store terminal 500.

Figure 12 is an example of a screen displayed on a user terminal. Figure 12 shows on a map stores that sell products or services to which the insurance service to which the user has subscribed can be applied. In Figure 12, for example, stores A and B offer products or services to which the insurance service to which the user has subscribed can be applied. On the other hand, stores C and D do not offer products or services to which the insurance service to which the user has subscribed can be applied. This allows the user to check in advance on the map which stores are available for the insurance service to which the user has subscribed, improving convenience.

In addition, FIG. 12 may display the user's current location, and the travel time and distance from the current location to each store. For example, FIG. 12 displays the travel time and distance from the current location to store A and from the current location to store B. In FIG. 12, the travel time from the current location to store A is displayed as 10 minutes by foot and the distance is displayed as 1 km, and the travel time from the current location to store B is displayed as 1 hour by foot and the distance is displayed as 6 km. Note that instead of walking, the travel time by car, train, or other public transportation may be displayed. Also, the route from the current location to each store may be displayed on the map. This further improves user convenience.

Figure 13 is a block diagram showing the configuration of a store terminal 500 according to the third embodiment. The store terminal 500 includes a camera 510, a memory unit 520, a communication unit 530, an input/output unit 540, and a control unit 550.

The camera 510 takes pictures of the user U1 under the control of the control unit 550. The memory unit 520 is a storage device in which (application) programs for realizing each function of the store terminal 500 are stored. The communication unit 530 is a communication interface with the network 300. The input/output unit 540 includes a display device and an input device. The input/output unit 540 is, for example, a touch panel. The control unit 550 controls the hardware of the store terminal 500. The control unit 550 loads the program from the memory unit 520 into memory and executes it. As a result, the control unit 550 realizes the function of controlling the camera 510, the memory unit 520, the communication unit 530, and the input/output unit 540.

The store terminal 500 may also have the functions of the authentication device 200. The store terminal 500 may also have functions related to a payment system using biometric authentication. In this case, when a user purchases a product or service, the store terminal 500 may take a facial image of the user and perform biometric authentication, and if the biometric authentication of the user is successful, the store terminal 500 may use the account information of the personal information included in the registration information to make payment for the product or service purchased by the user. As a result, the store terminal 500 can perform biometric authentication of the user, acquire purchase information related to the product or service purchased by the user, and transmit the purchase information and the authentication result to the acquisition unit 111. As a result, the acquisition unit 111 can acquire the purchase information and the authentication result.

In addition, purchasing information regarding the purchase of a product or service may be input to the store terminal 500 by a staff member using the store terminal 500. The store terminal 500 may also be connected to, for example, a cash register installed in the store and accept input of purchasing information from the cash register. Note that the purchasing information is not limited to purchasing information from a physical store, and may also include purchasing information from online shopping.

The information control system 1000 in Figure 5 has each of the components described above. The information control device 10a according to the third embodiment can determine insurance services and insurance premiums for the insurance services suitable for user U1 based on registration information including purchase information of user U1 at store 610, and provide them to user U1.

<Other embodiments>
In the above-described third embodiment, the information control device 10a and the authentication device 200 are different devices, but they may be the same. For example, the information control device 10a may further associate and register facial feature information with the user ID 122. In this case, the control unit 340 may include the face detection unit 220, the feature point extraction unit 230, the registration unit 240, and the authentication unit 250 of the authentication device 200.

The information control device 10a may perform the above-mentioned processing by using personal identification information instead of biometric information and performing personal identification authentication instead of biometric authentication. The personal identification information may be, for example, a two-dimensional code such as a QR code (registered trademark) that can identify the individual. When the user registers the registration information, the QR code may be issued as personal identification information that can uniquely identify the user and notified to the user terminal. In this case, it is sufficient that the registration information includes at least the user's personal information and personal identification information for authentication. The information control device 10a may perform the above-mentioned processing by combining biometric authentication and personal identification authentication.

Specifically, the acquisition unit 111 may acquire the user's identity verification information in response to the user's purchase of a product or service. That is, the acquisition unit 111 may acquire purchase information related to the product or service purchased by the user and the identity verification information of the user who made the purchase. For example, the store terminal may read a QR code presented by the user in response to the user's purchase of a product or service, acquire identity verification information, and transmit the acquired identity verification information and purchase information to the acquisition unit 111. This allows the acquisition unit 111 to acquire the user's identity verification information and purchase information.

The biometric authentication control unit 112 may control identity authentication for the acquired identity verification information of the user by using the registration information. The biometric authentication control unit 112 may perform identity authentication by matching the acquired identity verification information with identity verification information for authentication included in the registration information.

If the identity authentication is successful, the second registration unit 113 may register the purchase information in association with the registration information of the user who has successfully authenticated the identity. The determination unit 114 determines an insurance service corresponding to the user who has successfully authenticated the identity, based on the registration information. In addition, the output unit 115 outputs information related to the insurance service determined by the determination unit 114.

As described above, when a user scans the issued QR code into a store terminal, the purchase information may be associated with the registration information and registered.

In the above embodiment, a hardware configuration has been described, but the present disclosure is not limited to this. Any processing can be realized by having a CPU execute a computer program. In the above embodiment, the information control device 10a and the authentication device 200 have been described as separate devices, but the information control device 10a may be configured to include the functions of the authentication device 200 internally.

Each configuration in the above-described embodiments is configured by hardware or software, or both, and may be configured by one piece of hardware or software, or may be configured by multiple pieces of hardware or software. The function (processing) of each device may be realized by a computer having a CPU (Central Processing Unit), memory, etc. For example, a program for performing the method in the embodiment may be stored in a storage device, and each function may be realized by executing the program stored in the storage device with a CPU.
Various control programs can be stored and supplied to a computer using various types of non-transitory computer readable media. Non-transitory computer readable media include various types of tangible storage media. Examples of non-transitory computer readable media include magnetic recording media (e.g., flexible disks, magnetic tapes, hard disk drives), magneto-optical recording media (e.g., magneto-optical disks), CD-ROMs, CD-Rs, CD-R/Ws, and semiconductor memories (e.g., mask ROMs, PROMs (Programmable ROMs), EPROMs (Erasable PROMs), flash ROMs, and RAMs). Programs may also be supplied to a computer by various types of transitory computer readable media. Examples of transitory computer readable media include electrical signals, optical signals, and electromagnetic waves. The transitory computer readable media can supply the programs to a computer via wired communication paths such as electric wires and optical fibers, or wireless communication paths.

The present invention is not limited to the above-described embodiments and can be modified as appropriate without departing from the spirit and scope of the invention.

A part or all of the above-described embodiments can be described as, but is not limited to, the following supplementary notes.
(Appendix 1)
a first registration unit that registers registration information in which biometric information and personal information of a predetermined user are associated with each other;
An acquisition unit that acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase;
a biometric authentication control unit that controls biometric authentication for the acquired biometric information by using the registration information;
a second registration unit that, if the biometric authentication is successful, registers the purchase information in association with the registration information of the user who has succeeded in the biometric authentication;
A determination unit that determines an insurance service corresponding to a user who has successfully passed the biometric authentication based on the registration information;
and an output unit that outputs information about the insurance service determined by the determination unit.
Information control device.
(Appendix 2)
the determination unit determines the insurance service corresponding to the product or service from among a plurality of insurance services based on the registration information of the user who has succeeded in the biometric authentication, and calculates a premium for the selected insurance service, thereby determining the insurance service corresponding to the user who has succeeded in the biometric authentication.
2. An information control device according to claim 1.
(Appendix 3)
The second registration unit registers the registration information of the user who has succeeded in the biometric authentication in association with the application history of the insurance service of the user during a predetermined period of time,
The determination unit calculates a premium for the insurance service based on a history of application of the insurance service for a predetermined period.
3. An information control device according to claim 2.
(Appendix 4)
The determination unit calculates a premium for the insurance service based on a purchase history of a product or service during a predetermined period included in the purchase information.
4. The information control device according to claim 2 or 3.
(Appendix 5)
The determination unit calculates the insurance premium for the insurance service by further taking into account the location where the biometric authentication was successful.
5. The information control device according to claim 2,
(Appendix 6)
The determination unit calculates the insurance premium for the insurance service by further taking into account information indicating characteristics of the purchased product or service.
6. The information control device according to any one of appendix 2 to 5.
(Appendix 7)
The first registration unit further associates health information of a user with the registration information in which biometric information and personal information of a specific user are associated with each other, and registers the health information of the user;
The determination unit determines the insurance service based on the registration information of the user who has succeeded in the biometric authentication.
7. An information control device according to any one of claims 1 to 6.
(Appendix 8)
The insurance premium payment method for the insurance service is a flat-rate billing method;
8. An information control device according to any one of appendix 1 to 7.
(Appendix 9)
The computer
registering registration information in which biometric information and personal information of a predetermined user are associated with each other;
Acquire purchase information regarding a product or service purchased by a user and biometric information of the user who made the purchase;
controlling biometric authentication for the acquired biometric information using the registration information;
If the biometric authentication is successful, the purchase information is associated with the registration information of the user who has succeeded in the biometric authentication and registered;
determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information;
outputting information about the determined insurance service;
Information control methods.
(Appendix 10)
registering registration information in which biometric information and personal information of a predetermined user are associated with each other;
acquiring purchase information relating to a product or service purchased by a user and biometric information of the user who made the purchase;
controlling biometric authentication of the acquired biometric information using the registration information;
If the biometric authentication is successful, registering the purchase information in association with the registration information of the user who has succeeded in the biometric authentication;
determining an insurance service corresponding to the user who has successfully passed the biometric authentication based on the registration information;
outputting information about the determined insurance service;
A non-transitory computer-readable medium on which a program for causing a computer to execute the program is stored.

Although the present invention has been described above with reference to the embodiments, the present invention is not limited to the above-mentioned embodiments. Various modifications that can be understood by a person skilled in the art can be made to the configuration and details of the present invention within the scope of the present invention.

Information control device 10, 10a
First registration unit 110
Acquisition unit 111
Biometric authentication control unit 112
Second registration unit 113
Determination unit 114
Output unit 115
Storage device 120
Personal Information 121
User ID 122
Purchasing Information 123
Insurance Information 124
Health Information 125
Authentication device 200
Face information DB 210
User ID 211
Facial feature information 212
Face detection unit 220
Feature point extraction unit 230
Registration unit 240
Authentication unit 250
Network 300
Storage unit 310
Program 311
Memory 320
Communication unit 330
Control unit 340
User terminal 400
Camera 410
Storage unit 420
Communication unit 430
Display unit 440
Control unit 450
Store terminal 500
Camera 510
Storage unit 520
Communication unit 530
Display unit 540
Control unit 550
Store 610
Information Control System 1000

Claims (9)

a first registration unit that registers registration information in which biometric information and personal information of a predetermined user are associated with each other;
An acquisition unit that acquires purchase information related to a product or service purchased by a user and biometric information of the user who made the purchase;
a biometric authentication control unit that controls biometric authentication for the acquired biometric information by using the registration information;
a second registration unit that, when the biometric authentication is successful, adds the purchase information to the registration information of the user who has succeeded in the biometric authentication and updates the registration information;
a determination unit that determines an insurance service corresponding to the product or service from among a plurality of insurance services based on the registration information of the user who has succeeded in the biometric authentication updated by the second registration unit, and calculates a premium for the selected insurance service; and
and an output unit that outputs information about the insurance service determined by the determination unit.
Information control device. The second registration unit registers the registration information of the user who has succeeded in the biometric authentication in association with the application history of the insurance service of the user during a predetermined period of time,
The determination unit calculates a premium for the insurance service based on a history of application of the insurance service for a predetermined period.
The information control device according to claim 1 . The determination unit calculates a premium for the insurance service based on a purchase history of a product or service during a predetermined period included in the purchase information.
The information control device according to claim 1 or 2 . The determination unit calculates the insurance premium for the insurance service by further taking into account the location where the biometric authentication was successful.
The information control device according to any one of claims 1 to 3 . The determination unit calculates the insurance premium for the insurance service by further taking into account information indicating characteristics of the purchased product or service.
The information control device according to any one of claims 1 to 4 . The first registration unit further associates health information of a user with the registration information in which biometric information and personal information of a specific user are associated with each other, and registers the health information of the user;
The determination unit determines the insurance service based on the registration information of the user who has succeeded in the biometric authentication.
The information control device according to any one of claims 1 to 5 . The insurance premium payment method for the insurance service is a flat-rate billing method;
The information control device according to any one of claims 1 to 6 . The computer
registering registration information in which biometric information and personal information of a predetermined user are associated with each other;
Acquire purchase information regarding a product or service purchased by a user and biometric information of the user who made the purchase;
controlling biometric authentication for the acquired biometric information using the registration information;
If the biometric authentication is successful, the purchase information is added to the registration information of the user who has succeeded in the biometric authentication, and the registration information is updated ;
determining an insurance service corresponding to the product or service from among a plurality of insurance services based on the updated registration information of the user who has succeeded in the biometric authentication , and calculating a premium for the selected insurance service, thereby determining an insurance service corresponding to the user who has succeeded in the biometric authentication;
outputting information about the determined insurance service;
Information control methods. registering registration information in which biometric information and personal information of a predetermined user are associated with each other;
acquiring purchase information relating to a product or service purchased by a user and biometric information of the user who made the purchase;
controlling biometric authentication of the acquired biometric information using the registration information;
If the biometric authentication is successful, updating the registration information of the user who has succeeded in the biometric authentication by adding the purchase information;
determining an insurance service corresponding to the product or service from among a plurality of insurance services based on the updated registration information of the user who has succeeded in the biometric authentication , and calculating a premium for the selected insurance service; and
outputting information about the determined insurance service;
A program that causes a computer to execute the following.

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