JP5742364B2 - Application processing device, application processing method, application processing program - Google Patents

Description

  The present invention relates to an application processing apparatus, an application processing method, and an application processing program.

  Conventionally, in the field of various services such as banking, insurance, credit card or annuity, the service user calls the service provider's call center, and the various information registered by the user in advance through the operator. It is known to apply for change or use. In addition, the applicant himself or herself performs telephone button operations according to telephone voice guidance or operations on the homepage, so that various information can be changed or used without any third party operation such as an operator. In some cases, a process involving the process is performed.

  When the procedure is performed via a third party such as an operator, the operator arranges to mail the application form to the applicant himself / herself, and the applicant himself / herself fills in and fills in the necessary information on the mailed application form. It is conceivable to mail it to the call center again. On the other hand, in order to save such time and effort for mailing, there are cases where processing involving changing or using various types of information is performed according to information that the operator listens to from the applicant over the telephone.

  In this way, when a process involving changing or using various types of information is performed by a third party such as an operator, it is possible to save time and labor compared to the process by mail. Processing may not be performed properly. In addition, for example, by misrepresenting that a malicious third party who acquired a lost credit card or the malicious third party who stolen a credit card is the principal, processing that involves changing or using various information Sometimes done improperly.

  Therefore, it is conventionally known that identity verification is performed by sending an e-mail or the like to a card holder when using a credit card or the like. In addition, for example, when using a credit card, etc., it is confirmed whether or not a theft report has been issued for the credit card, and if the theft report has been issued, the use of the credit card or the like may be restricted. Are known.

JP 2002-230451 A JP 2005-182560 A

  However, the prior art does not consider improving the safety for processing that involves changing or using various information.

  In other words, the prior art is for confirming the use of the credit card by e-mail or the like when using a credit card or the like. For example, a person who finds the credit card also receives a confirmation e-mail or the like. It is difficult to prevent the misrepresentation procedure if you have been caught.

  In addition, the prior art confirms the report of theft or loss of credit cards, etc. For example, if it is abused immediately after theft or loss of credit cards, etc., the notification is not issued, so the misrepresentation procedure Difficult to prevent.

  The disclosed technology has been made in view of the above, and realizes an application processing apparatus, an application processing method, and an application processing program that can improve the safety of processing involving changes or use of various information. Objective.

  The application processing apparatus disclosed in the present application includes, in one aspect, an application receiving unit that receives an instruction for processing that involves changing or using information recorded in an information storage medium. In addition, the application processing device refers to the reversibility determination storage unit that records whether or not the information on which the process has been performed can be recovered after performing the process involving the change or use of the information, and the application reception unit A reverse progress determination unit that determines whether the reception process accepted by the process is a process capable of recovering the information. In addition, the application processing apparatus, when the reverse progress determination unit determines that the reception process is a process that cannot recover the information, the reception process after a waiting time longer than the execution time of the process that can recover the information The authentication part which performs the authentication process with respect to is provided.

  According to one aspect of the application processing apparatus disclosed in the present application, it is possible to improve the safety with respect to processing that involves changing or using various information.

FIG. 1 is a diagram showing the overall configuration of the application processing system of the present embodiment. FIG. 2 is a diagram illustrating an example of the period setting DB. FIG. 3 is a diagram illustrating an example of the reverse progress determination DB. FIG. 4 is a diagram illustrating an example of the loss notification status DB. FIG. 5 is a diagram illustrating an example of various information DBs. FIG. 6 is a flowchart of the entire application process. FIG. 7 is a flowchart of the proxy application content determination process. FIG. 8 is a flowchart of the personal authentication process. FIG. 9 is a flowchart of the acceptance application content acceptance process. FIG. 10 is a flowchart of the lost notification status search process. FIG. 11 is a flowchart of processing related to a mail request for application documents. FIG. 12 is a diagram illustrating an example of a computer system that executes an application processing program.

  Hereinafter, embodiments of an application processing apparatus, an application processing method, and an application processing program disclosed in the present application will be described in detail with reference to the drawings. The disclosed technology is not limited by this embodiment.

  FIG. 1 is a diagram showing the overall configuration of the application processing system of the present embodiment. As shown in FIG. 1, the application processing system 400 of the present embodiment includes an application processing device 200 and a mobile phone 100 owned by an applicant who makes various applications to the application processing device 200 via the communication network 300. Prepare.

  The application processing apparatus 200 includes a reception unit 202, a determination unit 204, an authentication unit 206, a search unit 208, a processing unit 210, and an operator terminal 212. Further, the application processing apparatus 200 includes a period setting DB (Data Base) 214, a reverse progress determination DB 216, a lost notification status DB 218, and various information DBs 220. The reception unit 202, the determination unit 204, the authentication unit 206, the search unit 208, the processing unit 210, the operator terminal 212, the period setting DB 214, the reverse progress determination DB 216, the lost notification status DB 218, and various information DBs 220 are transmitted via the data bus 222. Connected to each other.

  The accepting unit 202 accepts instructions for processing that involves changing or using information recorded in the various information DBs 220. The determination unit 204 refers to the reverse progress determination DB 216 to determine whether the reception process received by the reception unit 202 is a process that can recover the information recorded in the various information DBs 220.

  If the determination unit 204 determines that the reception process is a process in which information cannot be recovered, the authentication unit 206 performs an authentication process for the reception process after a longer standby time than when the process capable of recovering information is performed. For example, after waiting for a period set in advance in the item “waiting time” in the period setting DB 214, the authentication unit 206 performs an authentication process for the reception process.

  When the determination unit 204 determines that the reception process is a process in which information cannot be recovered, the search unit 208 refers to the loss notification situation DB 218 after a standby time longer than the execution time of the process capable of recovering information, and receives the reception process. Search for lost items belonging to the applicant. For example, the search unit 208 performs an authentication process for the reception process after waiting for a period set in advance in the item “waiting time” of the period setting DB 214.

  The processing unit 210 executes a reception process when the authentication unit 206 performs the authentication process normally. In addition, when the determination unit 204 determines that the reception process is a process capable of restoring information, the processing unit 210 refers to the various information DBs 220 to determine whether or not a process involving changing or using information has been performed in the past. judge. If the processing unit 210 determines that the process involving the change or use of the information has been performed in the past, the elapsed time since the change or use is performed is set to a preset caution period. If it exceeds, execute the reception process. The processing unit 210, for example, when the elapsed period from the time when the process involving the change or use of the information in the various information DBs 220 exceeds the period set in advance in the “Necessary period” item of the period setting DB 214 Next, an authentication process for the reception process is performed.

  The operator terminal 212 is an information processing apparatus in which an operator performs various operations in accordance with reception processing when receiving an instruction for processing that involves changing or using information recorded in the various information DBs 220. In the present embodiment, the operator terminal 212, the reception unit 202, the determination unit 204, the authentication unit 206, the search unit 208, and the processing unit 210 are illustrated separately, but the present invention is not limited to this. For example, functional blocks of the reception unit 202, the determination unit 204, the authentication unit 206, the search unit 208, and the processing unit 210 can be provided inside the operator terminal 212. Further, in the present embodiment, the operator terminal 212, the period setting DB 214, the reverse progress determination DB 216, the lost notification status DB 218, and the various information DBs 220 are shown separately, but are not limited thereto. For example, the operator terminal 212 may include a period setting DB 214, a reverse progress determination DB 216, a lost notification status DB 218, and various information DBs 220.

  Next, each DB of the application processing apparatus 200 will be described. FIG. 2 is a diagram illustrating an example of the period setting DB. As shown in FIG. 2, the period setting DB 214 includes items of a waiting time 230 and a caution period 232. In the item of the waiting time 230, for example, a period of 48 hours is set in advance. In addition, in the item of caution period 232, for example, a period of 21 days is set in advance.

  FIG. 3 is a diagram illustrating an example of the reverse progress determination DB. As shown in FIG. 3, the reverse progress determination DB 216 includes items of an application type 240 and a reverse progress 242. The reversibility determination DB 216 is a DB that records whether or not the information that has been subjected to this processing can be recovered after performing processing that involves changing or using the information stored in the various information DBs 220. If the information that has been processed can be recovered, the item that the information manager allows to recover is “Yes” for the backwardness. On the other hand, when the information that has been processed cannot be recovered, the item that the information manager does not allow the recovery is “None”.

  In the item of the application type 240, for example, items such as address change, account notification, and account change are set in advance. In addition, in the item of the backwardness 242, information indicating “Yes” or “No” of backwardness is set in advance corresponding to each item of the application type 240. For example, “Yes” is set in the item of the backward progression 242 corresponding to the item “address change” of the application type 240. In addition, “Yes” is set in the item of reverse progress 242 corresponding to the item of “account notification” of the application type 240. “None” is set in the item of the reverse progression 242 corresponding to the “account change” item of the application type 240.

  FIG. 4 is a diagram illustrating an example of the loss notification status DB. As shown in FIG. 4, the lost notification status DB 218 includes items of a lost item 250 and a feature 252. The loss notification status DB 218 is a DB that records the loss status of the belongings of the applicant who applies for processing to change or use the information stored in the various information DBs 220. In the item of the lost item 250, for example, “mobile phone” is stored. In the item of the feature 252, a feature corresponding to the information of the item of the lost item 250 is stored. For example, “080-9876-54XX”, which is the mobile phone number, is stored in the item of the feature 252 corresponding to “mobile phone” in the item of the lost item 250.

  FIG. 5 is a diagram illustrating an example of various information DBs. As illustrated in FIG. 5, the various information DB 220 includes items 260, information 262, and proxy application information 264. The item 260 stores information such as “subscription fund name”, “name”, “subscription period”, “address”, “birth date”, “transfer account”, and “mobile number”, for example. In the item of information 262, information corresponding to the item 260 is stored. For example, the information 262 corresponding to the “address” in the item 260 stores “Yokohama City, Kanagawa Prefecture”, and the information 262 corresponding to the “mobile number” in the item 260 includes “080-XXXX-XXXX”. Stored. In the item of the proxy application information 264, the date of use or change for the information of the item stored in the item 260 is stored. For example, in the item of the proxy application information 264 corresponding to the item “address” of the item 260, the date “201.12.24” when the information of the “address” is used or changed is stored.

  Next, the contents of the application process executed by the application processing apparatus 200 will be described. FIG. 6 is a flowchart of the entire application process. As shown in FIG. 6, first, the accepting unit 202 accepts an application through a call originated from the applicant's mobile phone 100 via the communication network 300 (step S <b> 101). Subsequently, the receiving unit 202 determines whether the received application is a proxy application (step S102). Here, the proxy application is an application for various procedures through an operation by an operator. In addition, although this embodiment assumes that the person who has registered various information in the various information DBs 220 applies for processing that involves changing or using the information recorded in the various information DBs 220. Is not limited. For example, the same processing is performed when an agent who receives a request from the person who has registered various information in the various information DBs 220 applies for processing that involves changing or using the information recorded in the various information DBs 220. . Even when an agent makes an application, if an application for various procedures is made through an operation by an operator, the application is a proxy application.

  When it is determined that the received application is not a proxy application (No in step S102), the processing unit 210 performs a normal application acceptance process (step S103) and ends the process. Here, the normal application acceptance process is that the applicant uses or changes his / her information stored in the various information DBs 220 without an operator's operation. For example, the processing unit 210 performs processing according to the button operation of the applicant's mobile phone 100.

  On the other hand, when it is determined that the received application is a proxy application (Yes in step S102), the determination unit 204 acquires application requester information (step S104). For example, the determination unit 204 refers to the various information DBs 220 from the application contents, and acquires application requester information that is the contact information of the applicant, such as the applicant's mobile phone number and email address.

  Subsequently, the determination unit 204 performs proxy application content determination (step S105), and determines whether or not the reception process is a process that can recover the information stored in the various information DBs 220 (whether or not there is reverse progress). Determination is made (step S106). Details of the proxy application content determination will be described with reference to FIG.

  Subsequently, when it is determined that there is backward progression (Yes in step S106), the authentication unit 206 executes a personal authentication process (step S107), and determines whether the personal authentication is legitimately performed (step S107). S108). Here, the personal authentication process is a process of notifying the person's contact information of the person's contact about the contents of the proxy application, and confirming the identity. Details of the personal authentication process will be described with reference to FIG.

  Subsequently, when it is determined that the personal authentication has been properly performed (Yes in Step S108), the processing unit 210 executes a proxy application content process (Step S109) and ends the process. Details of the proxy application processing will be described with reference to FIG. When it is determined that the personal authentication has not been properly performed (No in step S108), the processing unit 210 ends the process.

  On the other hand, if it is determined that there is no backward progression (No in step S106), the search unit 208 refers to the period setting DB 214 to read information corresponding to the item of the waiting time 230, and waits for the read time (step). S110). The search unit 208 waits for a time corresponding to the item of the waiting time 230, and then uses the application requester information as a search key (step S111) to search for the lost notification status (step S112), and whether there is a lost report. Is determined (step S113). For example, the search unit 208 reads a mobile number from the various information DBs 220 as application requester information, and uses the read mobile number as a search key. Details of the lost notification status search will be described with reference to FIG. Note that the waiting time 230 is set in consideration of the time from when an electronic device for personal authentication, such as a mobile phone, is lost until the loss notification is issued. The waiting time 230 can be variably set in consideration of, for example, the age and sex of the user who has registered information in the various information DBs 220 or the regionality of the user's address.

  Subsequently, when it is determined that there is no loss notification (No in step S113), the authentication unit 206 executes a personal authentication process (step S114), and determines whether the personal authentication is properly performed (step S108). ). Subsequently, when it is determined that the personal authentication has been properly performed (Yes in Step S108), the processing unit 210 executes a proxy application content process (Step S109) and ends the process. When it is determined that the personal authentication has not been properly performed (No in step S108), the processing unit 210 ends the process.

  On the other hand, if it is determined that there is a loss report (Yes in step S113), the authentication unit 206 ends the process without executing the personal authentication process. If it is determined that there is a lost report (Yes in step S113), not only the personal authentication process is not executed, but also, for example, the lost object is a mobile phone and has a GPS (Global Positioning System) function. If so, for example, information for investigation can be collected using the GPS function. Further, in the present embodiment, when it is determined that the received application is not a proxy application (No in step S102), a normal application receiving process is performed (step S103). However, the present embodiment is not limited thereto. Absent. For example, even when it is determined that the received application is not a proxy application (No in step S102), the application processing apparatus 200 can execute the processes described in steps S104 to S114.

  FIG. 7 is a flowchart of the proxy application content determination process. As shown in FIG. 7, the determination unit 204 first identifies the application type from the proxy application content (step S <b> 201). In other words, the determination unit 204 specifies whether the proxy application content (acceptance process) is, for example, “address change”, “account notification”, “account change”, or “XX billing”. .

  Subsequently, the determination unit 204 searches the reverse progress determination DB 216 using the specified application type as a search key (step S202). Then, the determination unit 204 acquires “Yes” or “No” of the backward movement corresponding to the search key in the backward movement determination DB 216 (Step S203).

  FIG. 8 is a flowchart of the personal authentication process. As shown in FIG. 8, the authentication unit 206 notifies the proxy application content and the authentication response request (step S301). For example, if the authentication unit 206 approves the content of the requested process and the requested process in the email address of the requester information acquired in step S103, “Y” is displayed. An email requesting a reply of “N” is sent.

  Then, “Y” indicating that the content of the requested process is approved or “N” indicating that it is not approved is described from the email address of the requester information acquired in step S103. A response mail is received (step S302). In step S <b> 107, the authentication unit 206 determines whether or not the personal authentication is legitimately performed based on the information “Y” or “N” described in the response mail, for example.

  FIG. 9 is a flowchart of the acceptance application content acceptance process. As illustrated in FIG. 9, the processing unit 210 updates the various information DBs 220 according to the proxy application content (step S <b> 401). For example, when the “address” item in the various information DBs 220 is changed, the processing unit 210 stores the changed new address in the information 262 item corresponding to the “address” item.

  Subsequently, the processing unit 210 sets the current date for the item of the proxy application information 264 for the updated items of the various information DBs 220 (step S402). For example, when the item “address” in the various information DBs 220 is changed, the processing unit 210 stores the changed date in the item of proxy application information 264 corresponding to the item “address”.

  FIG. 10 is a flowchart of the lost notification status search process. As shown in FIG. 10, the search unit 208 searches the lost notification status DB 218 based on the search key (step S501). For example, the search unit 208 reads the mobile number from the various information DBs 220 and uses the read mobile number as a search key. Then, it is determined whether or not the information matching the search key is in the item of the feature 252 of the loss notification situation DB 218. Then, the search unit 208 acquires “Yes” or “No” of information that matches the search key (step S502).

  Next, processing when the reception unit 202 receives a mailing request for application documents will be described. FIG. 11 is a flowchart of processing related to a mail request for application documents.

  As illustrated in FIG. 11, first, the processing unit 210 determines whether proxy application information 264 (date) is set for the access target item 260 in the various information DBs 220 (step S601). For example, since it is a mailing request, the address “address” is the item to be accessed first. For example, if it is a mailing request for the “XX request” document that is a payment request, the “transfer destination” “Account” is also an access target item. Here, it is assumed that the processing unit 210 determines whether or not a date is set in the proxy application information 264 corresponding to the item “address” in the various information DBs 220.

  Subsequently, when it is determined that the proxy application information 264 (date) is not set (No in step S602), the processing unit 210 executes processing based on the processing request content (step S603), and performs processing. finish. For example, in response to the received request, the processing unit 210 describes, for example, an application document corresponding to the received request, such as an account change application document, in the item of information 262 corresponding to the address of the item 260 of the various information DBs 220. Process to mail to the address.

  On the other hand, when it is determined that the proxy application information 264 (date) is set (Yes in step S602), the processing unit 210 reads information corresponding to the item of the attention required period 232 from the period setting DB 214, and reads the required information. The attention period is added to the proxy application information 264 (date) and compared with the current date (step S604). Subsequently, the processing unit 210 determines whether or not the current date has passed a caution period (step S605). Subsequently, when it is determined that the current date has passed the caution period (Yes in step S605), the processing unit 210 executes processing based on the processing request content (step S603), and processing Exit.

  On the other hand, if it is determined that the current date has not passed the caution period (No in step S605), the search unit 208 uses the application requester information as a search key (step S606) to search for the lost notification status. (Step S607), it is determined whether or not there is a lost report (Step S608).

  Subsequently, when it is determined that there is no loss notification (No in step S608), the processing unit 210 executes processing based on the processing request content (step S603), and ends the processing. If it is determined that there is a lost report (Yes in step S608), the processing unit 210 ends the process.

  As described above, the application processing apparatus 200 according to the present embodiment can improve the safety with respect to processing that involves changing or using various information. In other words, the application processing apparatus 200 determines whether or not the process received from the applicant has reverse progress. If there is no reverse progress, the application processing apparatus 200 takes a longer time than the process in the case where there is reverse progress. Wait, and then perform confirmation processing such as confirmation of loss notification and identity verification. Therefore, the application processing apparatus 200 carefully processes a process that does not have a backward movement, so that safety can be improved. In addition, the application processing apparatus 200 can improve the convenience of the applicant by quickly processing a process having a backward property.

  In addition, the application processing apparatus 200 determines whether or not the process received from the applicant has reverse progress. If there is no reverse progress, the application processing apparatus 200 takes a longer time than the process in the case where there is reverse progress. Wait and then search for loss of belongings of the applicant for processing. And since the application processing apparatus 200 performs the authentication process for the reception process only when there is no loss of the property of the applicant for the process, for example, it is misused immediately after the theft or loss of a mobile phone or a credit card. Can be prevented.

  Moreover, since the application processing apparatus 200 executes the applied process only when the authentication process is normally performed, it is possible to improve the safety with respect to the process involving changing or using various information.

  In addition, even if the process is backward such as address change, after a malicious third party changed the address, the application form for non-backward processing such as an account change was changed. It is also conceivable to execute a process without sending backwards by sending it to an address from an application by paper. In this regard, when receiving a request for sending application documents, the application processing apparatus 200 determines whether, for example, an address item has been changed in the past, and if it has been changed, it is set in advance. The process is executed only when the caution period has passed. Therefore, the application processing apparatus 200 can prevent a malicious third party from changing the address once and then executing a process without reverse progress using a procedure by mailing application documents.

(program)
By the way, the various processes described in the above embodiment can be realized by executing a program prepared in advance on a computer system such as a personal computer or a workstation. Therefore, in the following, an example of a computer system that executes a program having the same function as the above embodiment will be described.

  FIG. 12 is a diagram illustrating an example of a computer system that executes an application processing program. As shown in FIG. 12, in a computer system 500, a CPU 502, a ROM (Read Only Memory) 504, and an HDD (Hard Disk Drive) 506 are connected to a bus 500a. Further, the HDD 506 stores the period setting DB 214, the reverse progress determination DB 216, the loss notification status DB 218, and various information DBs 220 shown in FIG. 1. Note that the period setting DB 214, the reverse progress determination DB 216, the lost notification status DB 218, and the various information DBs 220 can be stored not only in the HDD 506 but also in the ROM 504 or other storage medium.

  The ROM 504 holds an application processing program 504a. The ROM 504 is taken as an example of the recording medium, but various programs may be stored in another computer-readable recording medium such as an HDD, RAM, CD-ROM, and read by the computer. Note that a storage medium may be arranged in a remote place, and the computer may acquire and use the program by accessing the storage medium. At that time, the acquired program may be stored in a recording medium of the computer itself and used.

  The CPU 502 reads and executes the application processing program 504a, thereby realizing the same operations as the receiving unit 202, the determination unit 204, the authentication unit 206, the search unit 208, and the processing unit 210. As described above, the computer system 500 operates as an application processing apparatus that executes the application processing method by reading and executing the program from the ROM 504.

DESCRIPTION OF SYMBOLS 100 Cellular phone 200 Application processing apparatus 202 Reception part 204 Judgment part 206 Authentication part 208 Search part 210 Processing part 230 Wait time 232 Attention required period 242 Reversibility 250 Lost article 214 Period setting DB
216 Reversibility determination DB
218 Lost Notification Status DB
220 Information DB

Claims (5)

An accepting unit that accepts an instruction for a process involving a change or use of information recorded in the information storage medium;
The acceptance process accepted by the acceptance unit is referred to by referring to the reverse determination judgment storage unit that records whether or not the information subjected to the process can be recovered after the process involving the change or use of the information is performed. A determination unit that determines whether or not the process can recover information;
If the determination unit determines that the reception process is a process that cannot recover the information, a lost notification status storage unit that records the lost status of the belongings after a longer standby time than when the process that can recover the information is performed. A search unit for searching for loss of belongings of the applicant of the reception process, and
If it is determined by the determination unit that the reception process is a process in which the information cannot be recovered, after the standby time longer than the execution time of the process capable of recovering the information , An authentication unit that performs an authentication process for the reception process only when there is no loss ;
An application processing apparatus comprising: The application processing apparatus according to claim 1, further comprising: a processing unit that executes the reception process when the authentication process is normally performed by the authentication unit. The processing unit determines whether or not a process involving the change or use of the information has been performed in the past, and if the process involving the change or use of the information has been performed in the past, The application processing apparatus according to claim 2 , wherein the reception process is executed when an elapsed period after the accompanying process is performed exceeds a preset caution period. Application processing device
Accepting instructions for processing that involves changing or using information recorded in the information storage medium,
The received acceptance process restores the information with reference to a reverse progress determination storage unit that records whether or not the information on which the process has been implemented can be restored after the process involving the change or use of the information is performed. To determine whether it is a process that can
If it is determined that the acceptance process is a process in which the information cannot be recovered, refer to the lost notification status storage unit that records the lost status of the belongings after a longer standby time than the execution of the process capable of recovering the information. , Search for loss of belongings of the applicant for the reception process,
If it is determined that the reception process is a process in which the information cannot be recovered , only when there is no loss of the possession of the applicant of the reception process after a longer waiting time than when the process capable of recovering the information is performed An application processing method characterized by performing an authentication process for the reception process. In the application processing device,
Accepting instructions for processing that involves changing or using information recorded in the information storage medium,
The received acceptance process restores the information with reference to a reverse progress determination storage unit that records whether or not the information on which the process has been implemented can be restored after the process involving the change or use of the information is performed. To determine whether it is a process that can
If it is determined that the acceptance process is a process in which the information cannot be recovered, refer to the lost notification status storage unit that records the lost status of the belongings after a longer standby time than the execution of the process capable of recovering the information. , Search for loss of belongings of the applicant for the reception process,
If it is determined that the reception process is a process in which the information cannot be recovered , only when there is no loss of the possession of the applicant of the reception process after a longer waiting time than when the process capable of recovering the information is performed An application processing program characterized by causing an authentication process for an acceptance process to be executed.

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