JP2019144978A - Information processing device, information processing method, and program - Google Patents

Abstract

To solve the problem that it is conventionally impossible to provide a company or the like with useful information by using information on deposition and dispensing to/from a bank account.SOLUTION: An information processing device includes: a deposited/dispensed money information acquisition unit for acquiring one or more pieces of depositing information on deposition including a deposited amount to a bank account and one or more pieces of dispensing information on dispensed money on a dispensed amount to the bank account; a statistical processing unit for statistically processing the one or more pieces of depositing information and the one or more pieces of dispensing information, and acquiring a processing result; an output information acquisition unit for acquiring output information corresponding to the processing result; and an output part for outputting the output information. The information processing device can provide a company or the like with useful information by using information on the deposited/dispensed money to/from the bank account.SELECTED DRAWING: Figure 2

Description

  The present invention relates to an information processing apparatus that statistically processes deposit / withdrawal information of a bank account and performs a predetermined process using the result.

  Conventionally, there has been a technique for giving points to bank users by giving points as a user service to motivate users to actively use bank accounts and reduce dormant accounts. (For example, see Patent Document 1). The present technology is a method of granting points to a bank user for giving points to a user who performs transaction processing with a bank using an ATM connected to a bank server via a network. The step of transmitting the type information relating to transaction processing input by the user through the ATM to the server via the network, and the server received from the ATM based on preset point granting reference data A step of determining a grant point according to type information; a step of transmitting the grant point from the server to the ATM; and a step of writing the grant point received by the ATM from the ATM to the IC card. Become.

Japanese Patent Laying-Open No. 2005-108130 (first page, FIG. 1 etc.)

  However, in the prior art, it has been impossible to provide useful information to companies and the like using information on deposits and withdrawals to / from bank accounts.

  The information processing apparatus according to the first aspect of the present invention obtains one or more deposit information relating to deposit including the deposit amount to the bank account and one or more withdrawal information relating to withdrawal including the withdrawal amount to the bank account. A statistical information processing unit that statistically processes a gold information acquisition unit, one or more deposit information and one or more withdrawal information, and acquires a processing result, and an output information acquisition unit that acquires output information according to the processing result And an output unit that outputs output information.

  With this configuration, it is possible to provide useful information to companies and the like using information on deposits and withdrawals to / from bank accounts.

  Further, the information processing apparatus according to the second aspect of the invention is an information processing apparatus in which the output information acquisition unit acquires output information related to cash flow prediction according to the processing result.

  With this configuration, it is possible to provide information relating to cash flow predictions to companies and the like using information on deposits and withdrawals to bank accounts.

  The information processing apparatus according to the third aspect of the present invention is information relating to a company with respect to the first or second invention, and stores at least one company information including an account identifier for identifying a bank account. The storage unit, the company proposal information storage unit storing one or more company proposal information in which the processing result information related to the processing result and the proposal information proposed to the company are associated, and the output information acquisition unit correspond to the processing result It is an information processing apparatus which acquires the output information which is proposal information which makes a pair with the process result information to perform.

  With this configuration, it is possible to make a proposal that is useful to a company or the like using information on deposits and withdrawals to / from bank accounts.

  In the information processing apparatus according to the fourth aspect of the present invention, in contrast to the third aspect, the company information has one or more company attribute values that are company attribute values, and the company proposal information contains one or more company attributes. It has company condition information that specifies conditions related to attribute values, and the output information acquisition unit acquires one or more company attribute values of the company corresponding to the processing result from the company information storage unit and matches one or more company attribute values This is an information processing apparatus that acquires output information that is proposal information that is also paired with company condition information.

  With such a configuration, it is possible to make a proposal useful to a company or the like using information on deposits and withdrawals to a bank account and company information.

  The information processing apparatus according to the fifth aspect of the present invention is the information processing apparatus in which the output information acquisition unit acquires output information that is loan application information related to an application for a loan with respect to any one of the first to fourth inventions. It is.

  With this configuration, it is possible to provide loan application information related to a loan application to a company or the like using information on deposits and withdrawals to a bank account.

  Further, in the information processing apparatus according to the sixth invention, the deposit information and the withdrawal information have date information related to the date, and the one or more pieces of deposit information are different from any one of the first to fifth inventions. A calendar configuration that uses the date information possessed and the date information possessed by one or more withdrawal information to form calendar information having information relating to deposit information and information relating to withdrawal information in a date area corresponding to the date information. The output unit is an information processing device that outputs calendar information.

  With this configuration, the deposit / withdrawal information can be displayed on the calendar.

  Further, in the information processing apparatus according to the seventh aspect of the invention, in contrast to the sixth aspect of the invention, the calendar component is information that constitutes calendar information that can visually distinguish information relating to deposit information and information relating to withdrawal information. It is a processing device.

  With this configuration, it is possible to display information on depositing and withdrawing money from a bank account on a calendar so as to be visually distinguishable.

  According to the information processing apparatus of the present invention, it is possible to provide useful information to companies and the like using information on deposits and withdrawals to / from bank accounts.

The figure which shows the conceptual diagram of the information system A in Embodiment 1. FIG. Block diagram of the information system A The flowchart explaining the operation example of the information processing apparatus 1 A flowchart for explaining an example of the output information acquisition process A flowchart for explaining an example of the regular deposit / withdrawal information determination process A flowchart for explaining an example of the calendar information configuration process The flowchart explaining the operation example of the user terminal 2 Figure showing the company information management table Figure showing the company proposal information management table The figure which shows the output example of the output information The figure which shows the output example of the output information The figure which shows the deposit and withdrawal related information management table The figure which shows the output example of the calendar information Overview of the computer system Block diagram of the computer system

  Hereinafter, embodiments of an information processing apparatus and the like will be described with reference to the drawings. In addition, since the component which attached | subjected the same code | symbol in embodiment performs the same operation | movement, description may be abbreviate | omitted again.

  (Embodiment 1)

  In the present embodiment, an information system that statistically processes deposit / withdrawal information and performs some processing using the result will be described. Some processing is processing for management support for a company. The process for management support for a company is, for example, a process for providing information useful for management or for an action for a company to be useful for management. Some processing is, for example, processing related to cash flow prediction. In addition, for example, a certain process is a process of outputting proposal information such as that a loan should be received and a subsidy should be applied to a company. In addition, for example, the process is a process for transmitting screen information for performing an action such as a loan application to the user terminal so that a loan can be performed.

  In the present embodiment, an information system that proposes subsidies to a company using company information will be described. The subsidy may be called a subsidy.

  In the present embodiment, an information system capable of displaying the deposit / withdrawal information in a calendar will be described. Furthermore, an information system that displays on a calendar so that deposits and withdrawals can be visually distinguished will be described.

  FIG. 1 is a conceptual diagram of an information system A in the present embodiment. The information system A includes an information processing apparatus 1 and one or more user terminals 2. The information processing apparatus 1 is, for example, a cloud server or an ASP server, but the type and installation location are not limited. The user terminal 2 is a mobile terminal such as a smartphone, a tablet terminal, or a mobile phone, a so-called personal computer, and the type thereof is not limited.

  FIG. 2 is a block diagram of the information system A in the present embodiment.

  The information processing apparatus 1 includes a storage unit 11, a reception unit 12, a processing unit 13, and an output unit 14. The storage unit 11 includes a company information storage unit 111 and a company proposal information storage unit 112. The processing unit 13 includes a deposit / withdrawal information acquisition unit 131, a statistical processing unit 132, an output information acquisition unit 133, and a calendar configuration unit 134.

  The user terminal 2 includes a user storage unit 21, a user reception unit 22, a user processing unit 23, a user transmission unit 24, a user reception unit 25, and a user output unit 26.

  Various types of information are stored in the storage unit 11 constituting the information processing apparatus 1. The various information is, for example, company information described later, company proposal information described later, and the like. The various types of information are, for example, deposit information and withdrawal information for each user. The user is usually a company. In addition, the term “company” may include not only a legal entity but also an individual business owner. The deposit information is information related to deposit and includes deposit amount information indicating the deposit amount to the bank account. The deposit information includes, for example, a company identifier for identifying a deposit source company (paid company), deposit date information indicating a deposit date, deposit reason information indicating a deposit reason, and the like. The withdrawal information is information relating to withdrawal, and includes withdrawal amount information indicating the amount of withdrawal to the bank account. The withdrawal information includes, for example, a company identifier for identifying a withdrawal destination company (receiving company), withdrawal date information indicating a withdrawal date, withdrawal reason information indicating a withdrawal reason, and the like. Further, deposit / withdrawal information is used as a term indicating either or both of deposit information and withdrawal information. Moreover, money amount information or deposit / withdrawal amount information is used as a term indicating both or one of the deposit amount information and the withdrawal amount information. Further, date information or deposit / withdrawal date information is used as a term indicating either or both of deposit date information and withdrawal date information. Reason information or deposit / withdrawal reason information is used as a term indicating either or both of deposit reason information and withdrawal reason information.

  The various information in the storage unit 11 is, for example, original information. The original information is information used by the statistical processing unit 132 to acquire a processing result. The original information is, for example, learning information, arithmetic expressions, correspondence tables, and the like.

  The learning information is information learned using a machine learning algorithm in order to make a proposal for corporate management. The learning information is learning information used for making a loan, for example. Such learning information is, for example, a set of one or more deposit information, one or more withdrawal information, and one or more company attribute values, such as deep learning or SVM, when a loan is provided (a right example). It is the information of the result learned by learning. In addition, the learning information includes, for example, a deep learning or SVM that is a set of one or more deposit information, one or more withdrawal information, and one or more company attribute values that are obtained when financing is not performed (negative example). Or it is the information of the result learned by machine learning, such as SVR, a decision tree, or a random forest. In addition, when using SVR, the amount of loan is included in the information to learn, for example. The learning information is, for example, a set of both positive and negative information (one or more deposit information, one or more withdrawal information, and one or more company attribute value sets), deep learning or SVM. And information on the result of learning by machine learning such as SVR. In addition, the learning information includes, for example, one or more deposit information, one or more withdrawal information, a set of one or more company attribute values, and a loan amount that are obtained when a loan is provided (positive example) by machine learning. It is information on the result of learning. The learning information is, for example, machine learning of one or more deposit information, one or more withdrawal information, a set of one or more company attribute values, and a loan amount, which is a case where a loan is not made (negative example). It is the information of the result learned by. The learning information includes, for example, a set of both positive and negative information including a loan amount (one or more deposit information, one or more withdrawal information, a set of one or more company attribute values, and a loan (Amount of money) is information obtained as a result of learning by machine learning. In addition, when learning information is acquired, various features (also referred to as parameters) to be learned are considered. The features are, for example, deposit / withdrawal information, information obtained from the deposit / withdrawal information, company attribute values, and the like.

  The company attribute value includes, for example, the number of employees, the date of establishment, the date of establishment, the amount of capital, the presence of listing, the business type identifier that identifies the business type, the amount of fixed assets, the amount of cash and deposits, the current asset Amount, current assets, investments and other assets, current liabilities, fixed liabilities, retained earnings carried forward, net sales for the current fiscal year or the most recent N (N is a natural number of 2 or more) Total amount of gross profit in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, amount of personnel expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, current fiscal year or the most recent N (N Is the amount of general administrative expenses in the period of 2 or more), the amount of selling expenses and administrative expenses in the current fiscal year or the latest N (N is a natural number of 2 or more), the current fiscal year or the latest N (N is a natural number of 2 or more) ) The amount of operating income for the period, the amount of non-operating income for the current fiscal year or the most recent N (N is a natural number of 2 or more), Degrees or last N (N is a natural number of 2 or more) stage of the amount of ordinary profit is the amount or the like of net income of the year or the most recent N (N is a natural number of 2 or more) stage.

  Moreover, learning information is learning information utilized, for example when applying for a subsidy. Such learning information is, for example, a set of one or more deposit information, one or more withdrawal information, and one or more company attribute values, which is a case where a subsidy application is applied (positive example), deep learning or SVM. It is the information of the result learned by machine learning such as. Further, the learning information includes, for example, a set of one or more deposit information, one or more withdrawal information, and one or more company attribute values, which is a case where a subsidy application is not made (negative example). It is information on the result of learning by learning or machine learning such as SVM. Such learning information is, for example, information obtained as a result of learning a set of information of both positive examples and negative examples by deep learning or machine learning such as SVM. In addition, the learning information includes, for example, one or more deposit information, one or more withdrawal information, a set of one or more company attribute values, and a subsidy, which is a case where a subsidy application is applied (a right example). It is information on the result of learning the amount of money by machine learning. In addition, the learning information includes, for example, one or more deposit information, one or more withdrawal information, a set of one or more company attribute values, and a subsidy, when no subsidy application is made (negative example). Is the result of learning the amount of money by machine learning. Further, the learning information is, for example, information obtained as a result of learning, by machine learning, a set of both positive and negative information including the amount of subsidy. Note that the learning information may exist for each type of subsidy.

  The arithmetic expression is an expression for obtaining a numerical value constituting advice for management. The arithmetic expression is, for example, an expression for calculating a necessary loan amount. Such an arithmetic expression is, for example, an arithmetic expression that outputs a loan amount using, as input parameters, a regular monthly deposit amount, a regular monthly withdrawal amount, capital, a deposit balance, and the like.

  The correspondence table is a table having one or more attribute values of companies and bank account information (for example, deposit balance, regular monthly deposit amount, regular monthly withdrawal amount) and loan amount as records. , A table having two or more such records.

  The correspondence table is a table having two or more records having one or more attribute values and bank account information of a company and information on subsidies that can be acquired.

  The company information storage unit 111 stores one or more company information. The company information is information about the company. The company information includes one or more account identifiers that identify the bank account of the company. The company information preferably has a company identifier for identifying the company. It is preferable that the company information has one or more company attribute values that are company attribute values. The one or more company attribute values are, for example, the values described above, and indicate, for example, the number of employees, establishment date, date of establishment, capital amount, presence / absence of listing, business type identifier for identifying business type, and type of company. Among company type identifiers and the like, one or more company attribute values are included.

  The company proposal information storage unit 112 stores one or more company proposal information. The company proposal information is information in which processing result information related to the processing result is associated with proposal information proposed to the company. It is preferable that the company proposal information includes company condition information that specifies conditions regarding one or more company attribute values. The proposal information is, for example, information indicating that the loan should be received, information indicating that the subsidy should be received, information regarding the contents of the subsidy, and the like. The processing result information may be simply referred to as a processing result.

  The receiving unit 12 receives various information and instructions. The various information and instructions are, for example, company identifiers. The various information and instructions are, for example, an output information acquisition instruction and a calendar acquisition instruction. The output information acquisition instruction is an instruction to acquire output information. The output information acquisition instruction includes, for example, a company identifier. The calendar acquisition instruction is an instruction to acquire calendar information. The calendar information acquisition instruction includes, for example, a company identifier. The calendar information acquisition instruction includes, for example, year / month information (for example, September 2017) for specifying the year / month, year information (for example, 2017) for specifying the year, and month information (for example, August) for specifying the month ), Week information for specifying the week, and the like.

  The processing unit 13 performs various processes. The various processes are processes performed by the deposit / withdrawal information acquisition unit 131, the statistical processing unit 132, the output information acquisition unit 133, and the calendar configuration unit 134, for example.

  The deposit / withdrawal information acquisition unit 131 acquires one or more deposit information and one or more withdrawal information. The deposit / withdrawal information acquisition unit 131 usually acquires one or more deposit information and one or more withdrawal information of one or more bank accounts corresponding to one company (for example, a company). For example, the deposit / withdrawal information acquisition unit 131 acquires deposit / withdrawal information of an account identifier corresponding to a company identifier included in the received output information acquisition instruction or calendar acquisition instruction.

  The deposit / withdrawal information acquisition unit 131 acquires, for example, one or more deposit information and one or more withdrawal information from a server device (not shown). Further, the deposit / withdrawal information acquisition unit 131 may acquire, for example, one or more deposit information and one or more withdrawal information from the storage unit 11. The origin which acquires 1 or more payment information and 1 or more withdrawal information does not ask | require.

  The statistical processing unit 132 statistically processes the one or more deposit information and the one or more withdrawal information acquired by the deposit / withdrawal information acquisition unit 131, and acquires a processing result. The statistical processing unit 132 typically statistically processes the deposit amount information included in the one or more deposit information and the withdrawal amount information included in the one or more withdrawal information, and acquires a processing result.

  The statistical processing unit 132 statistically processes the one or more deposit information and the one or more withdrawal information acquired by the deposit / withdrawal information acquisition unit 131 and applies the result of the statistical processing to the original information of the storage unit 11. And obtain the processing result. The statistical processing unit 132 statistically processes the one or more deposit information and one or more withdrawal information acquired by the deposit / withdrawal information acquisition unit 131, and the result of the statistical processing and one or more company attribute values Is applied to the original information in the storage unit 11 to obtain the processing result.

Hereinafter, specific processing examples of the statistical processing unit 132 are divided into (1) when the original information is learning information, (2) when the original information is an arithmetic expression, and (3) when the original information is a correspondence table. explain.
(1) When the original information is learning information

  For example, the statistical processing unit 132 uses the learning information stored in the storage unit 11 for the collection of deposit information, withdrawal information, and one or more company attribute values for the most recent N months (N is a natural number of 1 or more) of one company. Then, a processing result indicating whether or not to perform financing is acquired by a machine learning algorithm. In such a case, the statistical processing unit 132 is realized by a program having a machine learning function. In such a case, the processing result is, for example, a flag indicating whether or not to perform financing and information indicating the amount of money when performing financing.

  More specifically, the statistical processing unit 132 has learned information created from when a loan is made (positive example), learning information created from a case where a loan is not made (negative example), a positive example, and a negative example. Apply the collection information of the latest N (N is a natural number of 1 or more) months, withdrawal information, and a set of one or more company attribute values to any of the learning information created from A processing result related to financing is acquired by deep learning or machine learning such as SVR or decision tree.

  The statistical processing unit 132 is created from learning information created from a case where a loan is made (positive example), learning information created from a case where a loan is not made (negative example), a positive example and a negative example. Applying a set of deposit information, withdrawal information, and one or more company attribute values for the last N months (N is a natural number of one or more) months of one company to each of two or more types of learning information of the learning information, Two or more processing results related to financing may be acquired by deep learning or machine learning such as SVR or decision tree, and a final processing result may be acquired from the two or more processing results. In such a case, the statistical processing unit 132 may determine whether or not to lend by majority decision of two or more processing results, or only when the processing results indicate that all the processing results do not lend. You may obtain the processing result that does not make a loan.

  The statistical processing unit 132 also stores, for example, a collection of deposit information, withdrawal information, and one or more company attribute values of the latest N (N is a natural number of 1 or more) months of one company as learning information in the storage unit 11. Is used to acquire a processing result indicating whether or not to apply for a subsidy by a machine learning algorithm. In such a case, the statistical processing unit 132 is realized by a program having a machine learning function.

  More specifically, the statistical processing unit 132 includes learning information created from the case where the subsidy is obtained (positive example), learning information created from the case where the subsidy is not obtained (negative example), the positive example, and Apply the collection of deposit information, withdrawal information, and one or more company attribute values of the last N months of one company (N is a natural number of 1 or more) to any of the learning information created from negative examples Then, the processing result related to the subsidy is acquired by deep learning or machine learning such as SVR or decision tree. The processing result related to the subsidy is one or more of a flag indicating whether or not to apply for subsidy, a subsidy identifier for identifying the subsidy, a subsidy type identifier for identifying the type of subsidy, and the like.

  The statistical processing unit 132 is created from learning information created from a case where a subsidy is obtained (positive example), learning information created from a case where a subsidy is not obtained (negative example), a positive example and a negative example. A set of deposit information, withdrawal information, and one or more company attribute values of the most recent N (N is a natural number of one or more) months of one company is applied to each of two or more of the learned information. Alternatively, two or more processing results related to the subsidy may be obtained by machine learning, and it may be determined whether or not to apply for the subsidy from the two or more processing results. In such a case, the statistical processing unit 132 may determine whether to apply for a subsidy by majority decision of two or more processing results, or only when the processing results indicate that all processing results do not apply. The processing result may be obtained that application funds are not provided.

Note that the statistical processing unit 132 may acquire a processing result as to whether or not to apply for each subsidy using two or more pieces of learning information prepared according to the type of subsidy.
(2) When the original information is an arithmetic expression

For example, the statistical processing unit 132 has the same or close date in two or more months, the same deposit reason information and the same or close date in two or more months, and the same or close date of the same reason reason information. Is detected. Then, for example, the statistical processing unit 132 calculates “the sum of one or more deposit amount information minus one or more withdrawal amount information from the deposit amount information included in the detected deposit information and the withdrawal amount information included in the withdrawal information. The monthly balance information indicating the balance of basic items for each month is calculated by “sum”. In addition, the statistical processing unit 132 acquires, from the company information in the storage unit 11, for example, surplus amount information indicating a surplus amount such as cash of the company in question. Then, the statistical processing unit 132, for example, from the monthly balance information and the surplus amount information (for example, “margin amount information + monthly balance information”), the balance becomes smaller than a threshold (for example, 500,000 yen) or less than the threshold Judge whether or not there is a time. When it is determined that there is a time when the balance is smaller than a threshold value, date information (withdrawal date information) indicating the date is acquired from the withdrawal information. In this case, the processing result is, for example, date information indicating that there is a need for financing and the date of the deadline on which the loan should be received.
(3) When the original information is a correspondence table

  For example, the statistical processing unit 132 calculates a balance (amount of surplus or deficit) for the most recent N months from deposit information and withdrawal information of the last N months (N is a natural number of 1 or more) of one company. The statistical processing unit 132 acquires one or more company attribute values, for example. Then, the statistical processing unit 132 determines a record having an attribute value that is most similar to the balance of the most recent N months and one or more company attribute values from the correspondence table, and acquires information (processing result) on the subsidy that the record has To do. In such a case, the processing result is, for example, a subsidy identifier, a subsidy type identifier, or the like.

  The output information acquisition unit 133 acquires output information corresponding to the processing result. The output information may be the same as the processing result.

  The output information acquisition unit 133 acquires output information related to cash flow prediction, for example, according to the processing result. For example, the output information acquisition unit 133 can predict a short of funds using a flag indicating that the loan included in the processing result should be performed and information indicating the amount of money, and the amount corresponding to the information indicating the amount of money The output information that the loan should be received is configured.

  The output information acquisition unit 133 acquires, for example, output information that is proposal information that is paired with the processing result information corresponding to the processing result. The proposal information is, for example, information on subsidy proposals. The output information acquisition unit 133 acquires, for example, one or more proposal information pairs with the processing result information corresponding to the processing result from the company proposal information storage unit 112, and configures output information including the one or more proposal information. .

  The output information acquisition unit 133 acquires, for example, one or more company attribute values of the company corresponding to the processing result from the company information storage unit 111, and is paired with company condition information that matches the one or more company attribute values. Get output information that is proposal information. The output information acquisition unit 133 acquires, for example, one or more company attribute values of a company corresponding to the processing result from the company information storage unit 111 and is paired with company condition information that matches the one or more company attribute values. The above proposal information is acquired from the company proposal information storage unit 112, and output information including the one or more proposal information is configured.

  The output information acquisition unit 133 acquires, for example, output information that is loan application information related to a loan application. For example, when the processing result includes information that the loan should be received, the output information acquisition unit 133 configures the loan application information using the processing result. For example, the output information acquisition unit 133 configures loan application information including information on the loan amount included in the processing result. The loan application information is usually screen information for applying for a loan, and the user can apply for a loan from a screen constituted by the screen information.

  In addition, the timing which the output information acquisition part 133 acquires output information does not ask | require. The output information acquisition unit 133 may acquire output information in response to receiving the output information acquisition instruction. The output information acquisition unit 133 may acquire the output information when a predetermined condition is satisfied. The time when the predetermined condition is satisfied is, for example, the first day of every month or the end of the month.

  The calendar configuration unit 134 uses the date information included in the one or more pieces of deposit information and the date information included in the one or more pieces of withdrawal information, in the date area corresponding to the date information, Configure calendar information with information about gold information.

  It is preferable that the calendar configuration unit 134 configures calendar information capable of visually distinguishing information related to deposit information and information related to withdrawal information.

  The calendar configuration unit 134 may configure the calendar information using the output information acquired by the output information acquisition unit 133. That is, for example, when the output information acquisition unit 133 acquires output information including a date (deadline) on which a loan is required, calendar information including information indicating that a loan is required is displayed in a calendar area corresponding to the day. It may be configured. In addition, for example, when the output information acquisition unit 133 acquires output information including a subsidy application deadline date, a calendar including information indicating the subsidy application deadline date in the calendar area corresponding to the deadline date. Information may be configured.

  In addition, the timing which the calendar structure part 134 comprises calendar information does not ask | require. The calendar configuration unit 134 may configure the calendar information in response to receiving the calendar information acquisition instruction. The calendar configuration unit 134 may configure the calendar information when a predetermined condition is satisfied.

  The output unit 14 outputs the output information acquired by the output information acquisition unit 133. The output unit 14 outputs the calendar information configured by the calendar configuration unit 134. Here, the output is usually transmission to the user terminal 2, but display on a display, projection using a projector, printing with a printer, sound output, accumulation in a recording medium, other processing devices and others It is also possible to pass the processing result to other programs.

  Various information is stored in the user storage unit 21 constituting the user terminal 2. The various information is, for example, a company identifier that identifies a user company. Various types of information are, for example, information received by the user receiving unit 25. The company identifier may be considered as information for identifying the user.

  The user receiving unit 22 receives various instructions and information. Here, reception means reception of information input from an input device such as a keyboard, mouse, touch panel, reception of information transmitted via a wired or wireless communication line, recording on an optical disk, magnetic disk, semiconductor memory, or the like. It is a concept including reception of information read from a medium. The various instructions and information are, for example, an output information acquisition instruction and a calendar acquisition instruction. The output information acquisition instruction is an instruction to acquire output information from the information processing apparatus 1. The calendar acquisition instruction is an instruction to acquire calendar information from the information processing apparatus 1.

  Any means such as a touch panel, a keyboard, a mouse, or a menu screen may be used for inputting various instructions and information. The user reception unit 22 can be realized by a device driver for input means such as a touch panel or a keyboard, control software for a menu screen, or the like.

  The user processing unit 23 performs various processes. The various types of processing are, for example, processing for configuring information received by the user reception unit 25 into displayed data. The various types of processes are, for example, processes configured as an instruction to transmit an instruction received by the user reception unit 22 or the like.

  The user transmission unit 24 transmits various instructions and information to the information processing apparatus 1. The various instructions and information are, for example, instructions configured by the user processing unit 23, instructions and information received by the user receiving unit 22, and the like.

  The user receiving unit 25 receives various types of information from the information processing apparatus 1. The various types of information are, for example, output information and calendar information.

  The user output unit 26 acquires various types of information. The various types of information are, for example, information received by the user receiving unit 22, information received by the user receiving unit 25, and information configured by the user processing unit 23. The various types of information are, for example, output information and calendar information.

  Here, output refers to display on a display, projection using a projector, printing with a printer, sound output, transmission to an external device, storage in a recording medium, and output to other processing devices or other programs. It is a concept that includes delivery of processing results.

  The storage unit 11, the company information storage unit 111, the company proposal information storage unit 112, and the user storage unit 21 are preferably non-volatile recording media, but can also be realized by volatile recording media.

  The process in which information is stored in the storage unit 11 or the like is not limited. For example, information may be stored in the storage unit 11 or the like via a recording medium, information transmitted via a communication line or the like may be stored in the storage unit 11 or the like, Alternatively, information input via the input device may be stored in the storage unit 11 or the like.

  The receiving unit 12 and the user receiving unit 25 are usually realized by wireless or wired communication means, but may be realized by means for receiving a broadcast.

  The processing unit 13, the deposit / withdrawal information acquisition unit 131, the statistical processing unit 132, the output information acquisition unit 133, the calendar configuration unit 134, and the user processing unit 23 can be usually realized by an MPU, a memory, or the like. The processing procedure of the processing unit 13 is usually realized by software, and the software is recorded in a recording medium such as a ROM. However, it may be realized by hardware (dedicated circuit).

  The output unit 14 and the user transmission unit 24 are usually realized by wireless or wired communication means, but may be realized by broadcasting means.

  The user output unit 26 may or may not include an output device such as a display or a speaker. The user output unit 26 can be implemented by output device driver software, or output device driver software and an output device.

  Next, the operation of the information system A will be described. First, an operation example of the information processing apparatus 1 will be described with reference to the flowchart of FIG.

  (Step S <b> 301) The receiving unit 12 determines whether an output information acquisition instruction has been received from the user terminal 2. When the output information acquisition instruction is received, the process goes to step S302, and when the output information acquisition instruction is not received, the process goes to step S305.

  (Step S302) The processing unit 13 acquires a company identifier included in the output information acquisition instruction received in step S301.

  (Step S303) The processing unit 13 performs output information acquisition processing for acquiring output information corresponding to the company identifier acquired in step S302. Such output information acquisition processing will be described with reference to the flowchart of FIG.

  (Step S304) The output unit 14 transmits the output information acquired in step S303 to the user terminal 2 that has transmitted the output information acquisition instruction. The process returns to step S301.

  (Step S <b> 305) The receiving unit 12 determines whether a calendar acquisition instruction has been received from the user terminal 2. If a calendar acquisition instruction has been received, the process proceeds to step S306. If a calendar acquisition instruction has not been received, the process proceeds to step S309.

  (Step S306) The processing unit 13 acquires a company identifier included in the calendar acquisition instruction received in step S305.

  (Step S307) The calendar configuration unit 134 configures calendar information corresponding to the company identifier acquired in step S306. Such calendar information configuration processing will be described with reference to the flowchart of FIG.

  (Step S308) The output unit 14 transmits the calendar information acquired in step S307 to the user terminal 2 that has transmitted the calendar acquisition instruction. The process returns to step S301.

  (Step S309) The processing unit 13 determines whether it is time to acquire output information. If it is time to acquire the output information, the process goes to step S310. If it is not time to acquire the output information, the process returns to step S301. In addition, the timing which acquires output information is not ask | required.

  (Step S310) The processing unit 13 substitutes 1 for the counter i.

  (Step S311) The processing unit 13 determines whether or not the i-th company identifier exists in the company information storage unit 111 (whether there is an i-th company to which output information should be transmitted). When it exists, it goes to step S312 and when it does not exist, it returns to step S301.

  (Step S <b> 312) The processing unit 13 acquires the i-th company identifier from the company information storage unit 111.

  (Step S313) The processing unit 13 performs output information acquisition processing for acquiring output information corresponding to the company identifier acquired in step S312. The output information acquisition process will be described with reference to the flowchart of FIG.

  (Step S314) The output unit 14 transmits the output information acquired in step S313 to the user terminal 2.

  (Step S315) The processing unit 13 increments the counter i by 1. The process returns to step S311.

  In the flowchart of FIG. 3, the process ends when the power is turned off or the process is terminated.

  Next, an example of output information acquisition processing in steps S303 and S313 will be described with reference to the flowchart in FIG.

  (Step S401) The deposit / withdrawal information acquisition unit 131 acquires from the company information storage unit 111 one or more account identifiers that are paired with the acquired company identifier.

  (Step S402) The deposit / withdrawal information acquisition unit 131 assigns 1 to the counter i.

  (Step S403) The deposit / withdrawal information acquisition unit 131 determines whether or not the i-th account identifier exists in the account identifier acquired in step S401. When the i-th account identifier exists, the process goes to step S404, and when the i-th account identifier does not exist, the process goes to step S408.

  (Step S404) The deposit / withdrawal information acquisition unit 131 acquires one or more deposit / withdrawal information of the company identified by the company identifier in the account identified by the i-th account identifier. The source for acquiring the deposit / withdrawal information may be the storage unit 11 or a server device (not shown).

  (Step S405) The statistical processing unit 132 statistically processes the one or more pieces of deposit information and one or more pieces of withdrawal information acquired in Step S404, and determines steady deposit / withdrawal information. The steady deposit / withdrawal information is, for example, information about withdrawals that occur in the same item every month and information about deposits that occur in the same item every month. The steady deposit / withdrawal information determination process will be described with reference to the flowchart of FIG.

  (Step S406) The statistical processing unit 132 acquires information such as the balance in the account identified by the i-th account identifier. The source for acquiring information such as the balance may be the storage unit 11 or a server device (not shown).

  (Step S407) The deposit / withdrawal information acquisition unit 131 increments the counter i by one. The process returns to step S403.

  (Step S <b> 408) The statistical processing unit 132 acquires one or more company attribute values that are paired with the company identifier from the company information storage unit 111.

  (Step S409) The statistical processing unit 132 substitutes 1 for the counter j.

  (Step S410) The statistical processing unit 132 determines whether or not the j-th original information exists in the storage unit 11. If the j-th original information exists, the process goes to step S411, and if the j-th original information does not exist, the process returns to the upper process. Note that the original information is information from which the processing result is acquired, and is, for example, learning information, an arithmetic expression, a correspondence table, or the like.

  (Step S411) The statistical processing unit 132 acquires the j-th original information from the storage unit 11.

  (Step S412) The statistical processing unit 132 acquires one or more pieces of information used to acquire the j-th type of output information. Such information includes, for example, steady deposit / withdrawal information, bank account information such as a balance, and one or more attribute values of the company.

  (Step S413) The statistical processing unit 132 applies one or more pieces of information acquired in Step S412 to the original information acquired in Step S411, and acquires a processing result. This process is preferably machine learning, but may be a process of calculating by substituting one or more parameters into an arithmetic expression, or determining a record most similar to one or more parameters from a correspondence table, and the record has A process for obtaining a processing result may be used.

  (Step S414) The output information acquisition unit 133 acquires one or more pieces of output information using the processing result acquired in step S413. For example, the output information acquisition unit 133 acquires output information corresponding to the acquired processing result from the company proposal information storage unit 112.

  (Step S415) The statistical processing unit 132 increments the counter j by 1. The process returns to step S410.

  Next, an example of regular deposit / withdrawal information determination processing in step S405 will be described with reference to the flowchart of FIG. In addition, it can be said that the regular deposit / withdrawal information determination process is, for example, a process of determining deposit / withdrawal information corresponding to a certain deposit / withdrawal every month.

  (Step S501) The statistical processing unit 132 substitutes 1 for a counter i.

  (Step S502) The statistical processing unit 132 determines whether or not the i-th deposit information exists. If the i-th deposit information exists, the process goes to step S503. If the i-th deposit information does not exist, the process goes to step S509.

  (Step S <b> 503) The statistical processing unit 132 acquires one or more pieces of information serving as keys such as the deposit reason information included in the i th deposit information. Note that the one or more pieces of information as keys are, for example, deposit reason information and date information. Also, the one or more pieces of information as keys are, for example, deposit reason information, date information, and money amount information.

  (Step S504) The statistical processing unit 132 uses the one or more pieces of information acquired as the key acquired in Step S503, and is the same as or similar to the i-th deposit information in N (N is a natural number of 1 or more) months. It is searched from the collection of acquired payment information whether the payment information exists.

  (Step S505) As a result of the search in step S504, the statistical processing unit 132 goes to step S506 if there is deposit information that is the same as or similar to the i-th deposit information, and goes to step S508 if it does not exist. Note that two pieces of deposit information are similar, for example, the deposit reason information is the same, the difference between dates indicated by the two date information is within a threshold (for example, one day), and the difference between the amounts indicated by the two deposit information Is within the threshold. There are various algorithms for determining that the two pieces of deposit information are similar, and there is no question.

  (Step S506) The statistical processing unit 132 acquires the i-th deposit information and two or more amount information included in the same or similar deposit information as the i-th deposit information, and the average value of the two or more amount information (Average deposit amount) is calculated, and average deposit amount information is obtained. In addition, the statistical processing unit 132 acquires the i-th deposit information and two or more pieces of date information (for example, 1st, 31st, 30th, etc.) included in the same or similar deposit information as the i-th deposit information. The payment date information is acquired from the two or more date information. Note that the statistical processing unit 132 acquires, for example, information on the most date among two or more date information as payment date information.

  (Step S507) The statistical processing unit 132 configures regular deposit information including average deposit amount information, deposit date information, and the like, and temporarily accumulates it in a buffer (not shown).

  (Step S508) The statistical processing unit 132 increments the counter i by one. The process returns to step S502.

  (Step S509) The statistical processing unit 132 substitutes 1 for the counter j.

  (Step S510) The statistical processing unit 132 determines whether or not the j-th withdrawal information exists. If the j-th withdrawal information exists, the process goes to step S511, and if the j-th withdrawal information does not exist, the process returns to the upper process.

  (Step S511) The statistical processing unit 132 acquires one or more pieces of information serving as keys such as the withdrawal reason information included in the jth withdrawal information.

  (Step S512) The statistical processing unit 132 is the same as or similar to the j-th withdrawal information in N (N is a natural number of 1 or more) months in the near future, using one or more pieces of information acquired as a key in Step S511. Whether or not there is withdrawal information to be retrieved is searched from the collection of withdrawal information acquired.

  (Step S513) As a result of the search in step S512, the statistical processing unit 132 goes to step S514 if there is withdrawal information that is the same as or similar to the jth withdrawal information, and goes to step S516 if it does not exist. The method for determining similar withdrawal information is the same as the method for determining similar deposit information.

  (Step S514) The statistical processing unit 132 acquires two or more pieces of money amount information included in j-th withdrawal information and withdrawal information that is the same as or similar to the j-th withdrawal information, and the two or more pieces of amount information. The average value (average withdrawal amount) is calculated, and average withdrawal amount information is obtained. In addition, the statistical processing unit 132 includes two or more pieces of date information (for example, 1st, 31st, 30th, etc.) included in the jth withdrawal information and withdrawal information that is the same as or similar to the jth withdrawal information. ) And withdrawal date information is obtained from the two or more pieces of date information. Note that the statistical processing unit 132 acquires, as the withdrawal date information, information on the most date among two or more pieces of date information, for example.

  (Step S515) The statistical processing unit 132 configures regular withdrawal information including average withdrawal amount information, withdrawal date information, and the like, and temporarily accumulates it in a buffer (not shown).

  (Step S516) The statistical processing unit 132 increments the counter j by 1. The process returns to step S510.

  Next, an example of the calendar information configuration process in step S307 will be described using the flowchart of FIG.

  (Step S <b> 601) The calendar configuration unit 134 acquires one or more account identifiers that are paired with the company identifier from the company information storage unit 111.

  (Step S602) The calendar composing unit 134 substitutes 1 for the counter i.

  (Step S603) The calendar configuration unit 134 determines whether or not the i-th account identifier exists in the account identifier acquired in step S601. When the i-th account identifier exists, the process goes to step S604, and when the i-th account identifier does not exist, the process returns to the upper process.

  (Step S604) The calendar configuration unit 134 acquires one or more deposit / withdrawal information of the company identified by the company identifier in the account identified by the i-th account identifier. The source for acquiring the deposit / withdrawal information may be the storage unit 11 or a server device (not shown). Moreover, the deposit / withdrawal information acquired here may be, for example, only the deposit / withdrawal information for the period indicated by information (for example, year / month information, month information) related to the period included in the calendar acquisition instruction, or the deposit / withdrawal for all periods. Gold information is also acceptable.

  (Step S605) The statistical processing unit 132 statistically processes the one or more deposit information and the one or more withdrawal information acquired in Step S604, and determines regular deposit / withdrawal information. In addition, the process which determines this regular deposit / withdrawal information was demonstrated using the flowchart of FIG. Note that for the regular deposit / withdrawal information determination process, deposit / withdrawal information for a plurality of months is used. Here, it is determined whether or not each deposit / withdrawal information of the month of interest (for example, the month indicated by the information related to the period included in the calendar acquisition instruction) is regular deposit / withdrawal information.

  (Step S606) The calendar composition unit 134 substitutes 1 for a counter j.

  (Step S607) The calendar composition unit 134 determines whether or not the jth deposit / withdrawal information exists in the deposit / withdrawal information acquired at Step S604 or in the deposit / withdrawal information of the year and month constituting the calendar. to decide. When the jth deposit / withdrawal information exists, the process goes to step S608, and when the jth deposit / withdrawal information does not exist, the process goes to step S614.

  (Step S608) The calendar structure part 134 acquires jth deposit / withdrawal information.

  (Step S609) The calendar composition unit 134 acquires one or more attribute values of the jth deposit / withdrawal information. Such attribute values are, for example, an account identifier, a flag indicating deposit / withdrawal information, and a flag indicating whether it is regular deposit / withdrawal information. The deposit / withdrawal information to which a flag indicating whether or not it is regular deposit / withdrawal information is the deposit / withdrawal information determined in step S605.

  (Step S610) The calendar structure part 134 acquires the amount information which jth deposit / withdrawal information has.

  (Step S611) The calendar configuration unit 134 acquires date information included in the jth deposit / withdrawal information.

  (Step S612) The calendar composing unit 134 arranges information corresponding to the jth deposit / withdrawal information in the date area indicated by the date information acquired in Step S611. The information corresponding to the j-th deposit / withdrawal information is, for example, information that can be visually determined such as an account identifier, a flag indicating deposit information or withdrawal information, and a flag indicating whether the deposit / withdrawal information is regular. The information corresponding to the jth deposit / withdrawal information includes, for example, money amount information. The visually identifiable information is, for example, an account identifier, a flag indicating deposit information or withdrawal information, or regular deposit / withdrawal information depending on attribute values such as background color, character color, and font of information. A flag indicating whether or not is visually identifiable information.

  (Step S613) The calendar composition unit 134 increments the counter j by 1. The process returns to step S607.

  (Step S614) The calendar configuration unit 134 increments the counter i by one. The process returns to step S603.

  Next, an operation example of the user terminal 2 will be described using the flowchart of FIG.

  (Step S701) The user receiving unit 22 determines whether an output information acquisition instruction has been received. If an output information acquisition instruction is accepted, the process goes to step S702. If an output information acquisition instruction is not accepted, the process goes to step S707.

  (Step S702) The user processing unit 23 configures an output information acquisition instruction to be transmitted in response to reception of the output information acquisition instruction in Step S701. Note that the user processing unit 23 acquires, for example, a company identifier in the user storage unit 21 and configures an output information acquisition instruction having the company identifier.

  (Step S <b> 703) The user transmission unit 24 transmits the output information acquisition instruction configured in Step S <b> 702 to the information processing apparatus 1.

  (Step S704) The user reception unit 25 determines whether or not one or more pieces of output information have been received from the information processing apparatus 1 in response to the transmission of the output information acquisition instruction in Step S703. When the output information is received, the process goes to step S705. When the output information is not received, the process returns to step S704.

  (Step S705) The user processing unit 23 configures one or more pieces of output information to be output using the one or more pieces of output information received in Step S704.

  (Step S706) The user output unit 26 outputs one or more pieces of output information configured in step S705. The process returns to step S701.

  (Step S707) The user reception unit 22 determines whether a calendar acquisition instruction has been received. If a calendar acquisition instruction is accepted, the process goes to step S708. If a calendar acquisition instruction is not accepted, the process goes to step S713.

  (Step S708) In response to accepting the calendar acquisition instruction in Step S707, the user processing unit 23 configures a calendar acquisition instruction to be transmitted. Note that the user processing unit 23 acquires, for example, a company identifier in the user storage unit 21 and configures a calendar acquisition instruction having the company identifier.

  (Step S709) The user transmitting unit 24 transmits the calendar acquisition instruction configured in step S708 to the information processing apparatus 1.

  (Step S710) In response to the transmission of the calendar acquisition instruction in step S709, the user reception unit 25 determines whether calendar information has been received from the information processing apparatus 1. If calendar information is received, the process goes to step S711, and if not received, the process returns to step S710.

  (Step S711) The user processing unit 23 configures calendar information to be output using the calendar information received in Step S710.

  (Step S712) The user output unit 26 outputs the calendar information configured in step S711. The process returns to step S701.

  (Step S713) The user receiving unit 25 determines whether one or more pieces of output information have been received. If one or more pieces of output information are received, the process proceeds to step S705. If one or more pieces of output information are not received, the process returns to step S701.

  In the flowchart of FIG. 7, the process ends when the power is turned off or the process ends.

  Hereinafter, a specific operation of the information system A in the present embodiment will be described. The conceptual diagram of the information system A is shown in FIG.

  Three specific examples will be described below. Specific example 1 is a case where it is determined whether or not to recommend information related to financing using machine learning. Specific example 2 is a case where it is determined whether or not to recommend information related to a grant using machine learning. Specific example 3 is an example of outputting calendar information.

  Now, a company information management table shown in FIG. 8 is stored in the company information storage unit 111. The company information management table stores a large number of records having “company identifier”, “account identifier”, and “company attribute value”. The “company attribute value” includes “company type identifier”, “number of employees”, “date of establishment”, “amount of capital”, “presence of listing”, and the like. Although not shown, the “company attribute value” is the amount of fixed assets, cash and deposits, current assets, current assets, investments and other assets, current liabilities, and fixed liabilities. , Retained earnings carried forward, net sales for the current fiscal year or the most recent N (N is a natural number of 2 or greater), gross profit for the current fiscal year or the most recent N (N is a natural number of 2 or greater), The amount of personnel expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more), the amount of general administrative expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more), the current fiscal year or the most recent N (N is 2) Above natural number) amount of selling and general administrative expenses, amount of operating profit in this fiscal year or the latest N (N is a natural number of 2 or more) term, current fiscal year or recent N (N is a natural number of 2 or more) term Non-operating income amount, current fiscal year or most recent N (N is a natural number of 2 or more) period, ordinary income amount, current fiscal year or latest (N is a natural number of 2 or more) including the amount of net income of the period, that.

The company proposal information storage unit 112 stores a company proposal information management table shown in FIG. The company proposal information management table stores a large number of records having “processing result information” and “suggestion information”. The proposal information is an example of output information. Further, it is assumed that the proposal information paired with the processing result information “01” includes an anchor, and when an anchor is instructed, a screen for applying for a loan is output. That is, it is assumed that screen information constituting such a screen is also included in the proposal information. However, the proposal information does not need to have the screen information of an anchor or a screen for applying. That is, the proposal information may be only information presented to the company. Also, it is assumed that the proposal information paired with the processing result information “02” includes an anchor, and when an anchor is instructed, a screen for applying for an employment subsidy is output.
(Specific example 1)

  In the first specific example, it is assumed that the following learning information for loan determination is stored in the storage unit 11.

  The loan determination learning information is original information for determining whether or not to receive a loan. The processing unit 13 obtains a positive example of a corporate feature set, which is information about a company that has received a loan, by X (X is a natural number of 1 or more), and a negative example of a corporate feature set, which is information about a company that has not received a loan. It is assumed that Y (Y is a natural number equal to or greater than 1) or more is learned by deep learning or machine learning such as SVM, and learning information for loan determination is acquired. Here, the positive corporate feature set includes, for example, the amount information included in the regular deposit information acquired from the deposit / withdrawal information, the amount information included in the regular withdrawal information, the amount of fixed assets, cash and deposits Amount, current assets, current assets, investments and other assets, current liabilities, fixed liabilities, retained earnings carried forward, this fiscal year or the most recent N (N is a natural number of 2 or more) period Net sales amount, gross profit for the current fiscal year or the most recent N (N is a natural number of 2 or more) period, personnel expenses for the current fiscal year or the most recent N (N is a natural number of 2 or more) period, this fiscal year Or the amount of general administrative expenses in the most recent N (N is a natural number of 2 or more) period, the amount of selling expenses and general administrative expenses in the current fiscal year or the latest N (N is a natural number of 2 or more) period, the current fiscal year or the most recent N (N Is the amount of operating profit for the period), this fiscal year or the most recent N (N is a natural number of 2 or more) Amount of non-operating income, amount of ordinary income in the current fiscal year or the most recent N (N is a natural number of 2 or more), net income amount of current fiscal year or the most recent N (N is a natural number of 2 or more), and financing Have one or more of the amount of information. The negative example corporate feature set is information obtained by excluding the loan amount from the positive example corporate feature set (information with the loan amount being 0 may be used).

  In this situation, it is assumed that the person in charge of the company identified by the company identifier “C001” has input an output information acquisition instruction to his / her user terminal 2. Then, through the above processing, the user terminal 2 transmits an output information acquisition instruction having the company identifier “C001” to the information processing apparatus 1.

  Next, the receiving unit 12 of the information processing apparatus 1 receives an output information acquisition instruction from the user terminal 2. Then, the processing unit 13 acquires the company identifier “C001” included in the received output information acquisition instruction.

  Next, the processing unit 13 performs output information acquisition processing for acquiring output information corresponding to the company identifier “C001”. That is, first, the deposit / withdrawal information acquisition unit 131 acquires the account identifier “B0011, B0012” paired with the company identifier “C001” from the company information management table. And the deposit / withdrawal information acquisition part 131 acquires the deposit / withdrawal information corresponding to two account identifiers.

  Next, the statistical processing unit 132 performs statistical processing on the acquired one or more pieces of deposit information and one or more pieces of withdrawal information for each account identifier (the processing described with reference to FIG. 5), and performs regular deposit / withdrawal. Get money information that money information has. Further, the statistical processing unit 132 acquires a company attribute value that is paired with the company identifier “C001” from the company attribute value management table. The company attribute values acquired here are, for example, fixed assets, cash and deposits, current assets, current assets, investments and other assets, current liabilities, and fixed liabilities. , Retained earnings carried forward, net sales for the current fiscal year or the most recent N (N is a natural number of 2 or greater), gross profit for the current fiscal year or the most recent N (N is a natural number of 2 or greater), The amount of personnel expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more), the amount of general administrative expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more), the current fiscal year or the most recent N (N is 2) Above natural number) amount of selling and general administrative expenses, amount of operating profit in this fiscal year or the latest N (N is a natural number of 2 or more) term, current fiscal year or recent N (N is a natural number of 2 or more) term Amount of non-operating profit, current fiscal year or current profit amount in the most recent N (N is a natural number of 2 or more) period, current fiscal year or Near N (N is a natural number of 2 or more) is the amount of net income of the period. In addition, it is suitable that the information acquired here is the same type of information as that used when creating learning information.

  Next, the statistical processing unit 132 applies the acquired set of information to the learning information for loan determination, and a processing result indicating whether or not to receive a loan by an algorithm of machine learning (for example, deep learning or SVM). To get. Here, when the processing result is information “receive a loan (for example, value“ 01 ”)”, for example, the statistical processing unit 132 applies the acquired set of information to the learning information for loan determination, The loan amount is acquired by the SVR algorithm. Then, the statistical processing unit 132 configures a processing result including the loan amount. The processing result may be only information indicating “receive loan (for example, value“ 01 ”)”. The statistical processing unit 132 also determines the amount of fixed assets, cash and deposits, current assets, current assets, investments and other assets, current liabilities, fixed liabilities, retained earnings carried forward. , Net sales for the current fiscal year or the most recent N (N is a natural number of 2 or more), gross profit for the current fiscal year or the most recent N (N is a natural number of 2 or more), current fiscal year or the most recent N Personnel expenses in the period (N is a natural number of 2 or more), general administrative expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, current fiscal year or the latest N (N is a natural number of 2 or more) period SG & A expenses, operating income for the current fiscal year or the most recent N (N is a natural number of 2 or more), non-operating income for the current fiscal year or the most recent N (N is a natural number of 2 or more) , Amount of recurring profit in the current fiscal year or the latest N (N is a natural number of 2 or more), Of one or more information among the amount of net income of the natural numbers) phase, and assigned to the parameter arithmetic expression may calculate the loan amount. Note that a technique for calculating an appropriate loan amount using accounting information indicating the activity of a company is a known technique, and thus detailed description thereof is omitted.

  Next, the output information acquisition unit 133 acquires the proposal information “Timing for funding? ...” paired with the processing result “01” which receives the loan from the company proposal information management table of FIG. 9. To do. The proposal information is output information. Here, the output information acquisition unit 133 may configure the output information to be transmitted by adding the loan amount to the acquired proposal information.

  Next, the output unit 14 transmits the acquired output information “Timing for financing?...” To the user terminal 2 having the company identifier “C001”.

  Next, the user reception unit 25 of the user terminal 2 receives the output information from the information processing apparatus 1 in response to the transmission of the output information acquisition instruction. Next, the user processing unit 23 configures output information to be output using the output information. Then, the user output unit 26 outputs the configured output information. An example of such output is shown in FIG.

In addition, it is preferable that the person in charge of the company applies the loan by instructing the anchor of FIG. 10 and causing the user terminal 2 to output a screen for applying for the loan. In such a case, a screen that reflects the loan amount acquired by the above process is output, or a function for checking that the amount exceeding the loan amount acquired by the above process cannot be loaned is It is preferable that the device 1 or the user terminal 2 has. Since the technique for applying for financing from the screen is a known technique, detailed description thereof is omitted.
(Specific example 2)

  In the specific example 2, it is assumed that the storage unit 11 stores the following one or more kinds of learning information for grant determination. Here, it is assumed that there is learning information for determining employment subsidies as an example of learning information for determining subsidies. In other words, the processing unit 13 sets the positive corporate feature set, which is information about companies that have received employment subsidies, to X or more (X is a natural number of 1 or more) and negative information that is about companies that have not received employment subsidies. It is assumed that the example corporate feature set is Y (Y is a natural number greater than or equal to 1) and is learned by deep learning or machine learning such as SVM, and learning information for determining employment subsidies is acquired. Here, the positive corporate feature set and the negative corporate feature set are, for example, the number of employees, the date of establishment, the amount of capital, the presence / absence of listing, and regular deposit information obtained from deposit / withdrawal information. Information on the amount of money, information on the amount of information on regular withdrawals, fixed assets, cash and deposits, current assets, current assets, investments and other assets, current liabilities, fixed liabilities , Retained earnings carried forward, net sales for the current fiscal year or the most recent N (N is a natural number of 2 or greater), gross profit for the current fiscal year or the most recent N (N is a natural number of 2 or greater) The amount of personnel expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, the amount of general administrative expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, the current fiscal year or the most recent N (N Is the amount of selling and general administrative expenses in the period of 2 or more), this fiscal year or the latest N (N is 2) The amount of operating profit in the above natural number) period, the amount of non-operating income in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, the ordinary profit of the current fiscal year or the most recent N (N is a natural number of 2 or more) period Information of one or more of the amount, the amount of net income in the current fiscal year or the most recent N period (N is a natural number of 2 or more).

  In this situation, it is assumed that the person in charge of the company identifier “C002” has input an output information acquisition instruction to his / her user terminal 2. Then, through the above processing, the user terminal 2 transmits an output information acquisition instruction having the company identifier “C002” to the information processing apparatus 1.

  Next, the receiving unit 12 of the information processing apparatus 1 receives an output information acquisition instruction from the user terminal 2. Then, the processing unit 13 acquires the company identifier “C002” included in the received output information acquisition instruction.

  Next, the processing unit 13 performs output information acquisition processing for acquiring output information corresponding to the company identifier “C002”. That is, first, the deposit / withdrawal information acquisition unit 131 acquires the account identifier “B0021” paired with the company identifier “C002” from the company information management table. Then, the deposit / withdrawal information acquisition unit 131 acquires deposit / withdrawal information corresponding to the account identifier “B0021”.

  Next, the statistical processing unit 132 performs statistical processing on the acquired one or more pieces of deposit information and one or more pieces of withdrawal information, and acquires amount information that the regular deposit / withdrawal information has. In addition, the statistical processing unit 132 includes the number of employees paired with the company identifier “C002”, the date of establishment, the amount of capital, the presence of listing, the amount of fixed assets, the amount of cash and deposits, the amount of current assets, Current assets, investments and other assets, current liabilities, fixed liabilities, retained earnings carried forward, net sales for the current fiscal year or the most recent N period (N is a natural number of 2 or more), Gross profit for the current fiscal year or the most recent N (N is a natural number of 2 or more), personnel expenses for the current fiscal year or the most recent N (N is a natural number of 2 or greater), the current fiscal year or the most recent N (N is 2) The amount of general administrative expenses in the above period), the amount of selling and general administrative expenses in the current fiscal year or the most recent N (N is a natural number of 2 or more) period, the amount of general administrative expenses in this fiscal year or the latest N (N is a natural number of 2 or more) period Amount of non-operating income in this fiscal year or the most recent N (N is a natural number of 2 or more) period, this fiscal year Figure 8 shows information on one or more of the amount of ordinary income in the most recent N (N is a natural number of 2 or more) period, and the amount of net income in the current fiscal year or the most recent N (N is a natural number of 2 or more) period. From the company information management table. Then, the statistical processing unit 132 applies the acquired set of information to the learning information for determining employment subsidies and determines whether or not to apply for the employment subsidies by using an algorithm of machine learning (for example, deep learning or SVM). The processing result indicating is acquired. Here, it is assumed that the processing result is information indicating that “employment subsidy should be received (for example, value“ 02 ”)”.

  Next, the output information acquisition unit 133 obtains the proposal information “Do you know the employment subsidy? Acquired from the information management table. The proposal information is output information.

  Next, the output unit 14 transmits the acquired output information “Do you know employment grant?...” To the user terminal 2 having the company identifier “C001”.

  Next, the user reception unit 25 of the user terminal 2 receives the output information from the information processing apparatus 1 in response to the transmission of the output information acquisition instruction. Next, the user processing unit 23 configures output information to be output using the output information. Then, the user output unit 26 outputs the configured output information. An example of such output is shown in FIG.

In addition, it is preferable that the person in charge of the company instructs the anchor in FIG. 11, causes the user terminal 2 to output a screen for applying for a grant, and applies for the grant.
(Specific example 3)

  Now, it is assumed that the person in charge of the company identifier “C001” has input a calendar acquisition instruction to his user terminal 2. Then, through the above processing, the user terminal 2 transmits a calendar acquisition instruction having the company identifier “C001” to the information processing apparatus 1.

  Next, the receiving unit 12 of the information processing apparatus 1 receives a calendar acquisition instruction from the user terminal 2. Then, the processing unit 13 acquires the company identifier “C001” included in the received calendar acquisition instruction.

  Next, the processing unit 13 performs a calendar acquisition process for acquiring calendar information corresponding to the company identifier “C001”. That is, first, the calendar configuration unit 134 acquires the account identifier “B0011, B0012” paired with the company identifier “C001” from the company information management table. And the deposit / withdrawal information acquisition part 131 acquires the deposit / withdrawal information corresponding to two account identifiers.

  Next, the statistical processing unit 132 statistically processes the acquired one or more pieces of deposit information and one or more pieces of withdrawal information, and determines regular deposit / withdrawal information by the above-described regular deposit / withdrawal information determination process. The calendar composing unit 134 adds a steady flag “1” to the steady deposit / withdrawal information.

  Next, the calendar composition unit 134 sets, for each acquired deposit / withdrawal information, date information included in the deposit / withdrawal information, an account identifier corresponding to the deposit / withdrawal information, and “1” when the deposit / withdrawal information is deposit information. In the case of money information, a record having a deposit / withdrawal flag which is “2”, amount information possessed by the deposit / withdrawal information, reason information possessed by the deposit / withdrawal information, and the above-described steady flag is configured. And the calendar structure part 134 acquires the deposit / withdrawal related information management table | surface shown in FIG. 12, for example. The deposit / withdrawal related information management table has a large number of records having “ID”, “date information”, “account identifier”, “deposit / withdrawal flag”, “amount information”, “reason information”, and “steady state flag”.

  Next, the calendar configuration unit 134 arranges deposit / withdrawal information having “amount information” and “reason information” in the date area of the calendar corresponding to the date information of each record in the deposit / withdrawal related information management table of FIG. Configure the calendar information to be sent. In this deposit / withdrawal information, it is assumed that “account identifier”, “deposit / withdrawal flag”, and “steady state flag” can be visually recognized.

  Next, the output unit 14 transmits the calendar information configured by the calendar configuration unit 134 to the user terminal 2.

  Next, the user reception unit 25 of the user terminal 2 receives calendar information from the information processing apparatus 1 in response to transmission of a calendar acquisition instruction. Next, the user processing unit 23 configures calendar information to be output using the received calendar information. Next, the user output unit 26 outputs the configured calendar information. An example of such calendar information output is shown in FIG.

  As described above, according to the present embodiment, it is possible to provide useful information to companies and the like using information on deposits and withdrawals to bank accounts. Information useful for companies and the like includes information on financing, information on subsidies, and the like. The information related to financing may include information related to cash flow forecasting (for example, “Should receive a loan” or “Short fund if not received”).

  In addition, according to the present embodiment, it is possible to make a proposal that is useful to a company or the like by using information on deposits and withdrawals to a bank account and company information.

  Moreover, according to this Embodiment, deposit / withdrawal information can be displayed on a calendar. Furthermore, according to the present embodiment, it is possible to display the information on the deposit and withdrawal of the bank account on the calendar so as to be visually distinguishable.

Note that the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification. Note that the software that implements the information processing apparatus 1 and the like in the present embodiment is the following program. In other words, the example of this program is
A deposit / withdrawal information acquisition unit for acquiring one or more deposit information relating to deposit including a deposit amount to a bank account and one or more withdrawal information relating to withdrawal including a withdrawal amount to a bank account; A statistical processing unit that statistically processes the above deposit information and one or more withdrawal information and acquires a processing result, an output information acquisition unit that acquires output information according to the processing result, and the output information It is a program for functioning as an output unit for outputting.

  FIG. 14 shows the external appearance of a computer that executes the program described in this specification to realize the information processing apparatus 1 and the like according to the various embodiments described above. The above-described embodiments can be realized by computer hardware and a computer program executed thereon. FIG. 14 is an overview diagram of the computer system 300, and FIG. 15 is a block diagram of the system 300.

  In FIG. 14, a computer system 300 includes a computer 301 including a CD-ROM drive, a keyboard 302, a mouse 303, and a monitor 304.

  15, in addition to the CD-ROM drive 3012, the computer 301 includes an MPU 3013, a bus 3014 connected to the MPU 3013 and the CD-ROM drive 3012, a ROM 3015 for storing a program such as a bootup program, and an MPU 3013. And a RAM 3016 for temporarily storing instructions of the application program and providing a temporary storage space, and a hard disk 3017 for storing the application program, the system program, and data. Although not shown here, the computer 301 may further include a network card that provides connection to a LAN.

  A program that causes the computer system 300 to execute the functions of the information processing apparatus 1 and the like of the above-described embodiment may be stored in the CD-ROM 3101, inserted into the CD-ROM drive 3012, and further transferred to the hard disk 3017. . Alternatively, the program may be transmitted to the computer 301 via a network (not shown) and stored in the hard disk 3017. The program is loaded into the RAM 3016 at the time of execution. The program may be loaded directly from the CD-ROM 3101 or the network.

  The program does not necessarily include an operating system (OS) or a third-party program that causes the computer 301 to execute the functions of the information processing apparatus 1 according to the above-described embodiment. The program only needs to include an instruction portion that calls an appropriate function (module) in a controlled manner and obtains a desired result. How the computer system 300 operates is well known and will not be described in detail.

  In the above program, in the step of transmitting information, the step of receiving information, etc., processing performed by hardware, for example, processing performed by a modem or an interface card in the transmission step (only performed by hardware) Processing) is not included.

  Further, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, it goes without saying that two or more communication units existing in one apparatus may be physically realized by one medium.

  In each of the above embodiments, each process may be realized by centralized processing by a single device, or may be realized by distributed processing by a plurality of devices.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the information processing apparatus according to the present invention has an effect that it can provide useful information to a company or the like using information on deposits and withdrawals to a bank account, and provides a server apparatus that provides information services to the company. Useful as such.

DESCRIPTION OF SYMBOLS 1 Information processing apparatus 2 User terminal 11 Storage part 12 Reception part 13 Processing part 14 Output part 21 User storage part 22 User reception part 23 User processing part 24 User transmission part 25 User reception part 26 User output part 111 Corporate information storage part 112 Company Proposal information storage unit 131 Deposit / withdrawal information acquisition unit 132 Statistical processing unit 133 Output information acquisition unit 134 Calendar configuration unit

Claims (9)

A deposit / withdrawal information acquisition unit for acquiring one or more deposit information relating to deposit including the deposit amount to the bank account and one or more withdrawal information relating to withdrawal including the withdrawal amount to the bank account;
A statistical processing unit that statistically processes the one or more deposit information and one or more withdrawal information, and obtains a processing result;
An output information acquisition unit that acquires output information according to the processing result;
An information processing apparatus comprising: an output unit that outputs the output information. The output information acquisition unit
The information processing apparatus according to claim 1, wherein output information related to cash flow prediction is acquired according to the processing result. A company information storage unit for storing one or more company information including an account identifier for identifying the bank account;
A company proposal information storage unit in which one or more company proposal information in which processing result information related to the processing result is associated with proposal information proposed to a company is stored;
The output information acquisition unit
The information processing apparatus according to claim 1, wherein output information that is proposal information paired with the processing result information corresponding to the processing result is acquired. The company information is
It has one or more company attribute values that are company attribute values,
The company proposal information is
It has company condition information that specifies conditions related to one or more company attribute values,
The output information acquisition unit
One or more company attribute values of the company corresponding to the processing result are acquired from the company information storage unit, and output information that is proposal information that is also paired with company condition information that matches the one or more company attribute values is acquired. The information processing apparatus according to claim 3. The output information acquisition unit
The information processing apparatus according to claim 1, wherein output information that is loan application information related to a loan application is acquired. The deposit information and the withdrawal information have date information regarding a date,
Using the date information possessed by each of the one or more deposit information and the date information possessed by the one or more each withdrawal information, information relating to the deposit information, and the withdrawal information in a date area corresponding to the date information. Further comprising a calendar component that constitutes calendar information having information about,
The output unit is
The information processing apparatus according to claim 1, wherein the calendar information is output. The calendar component is
The information processing apparatus according to claim 6, comprising calendar information that can visually distinguish information related to the deposit information and information related to the withdrawal information. An information processing method realized by a deposit / withdrawal information acquisition unit, a statistical processing unit, an output information acquisition unit, and an output unit,
The deposit / withdrawal information acquisition unit acquires one or more deposit information relating to deposit including the deposit amount to the bank account and one or more withdrawal information relating to withdrawal including the withdrawal amount to the bank account. An acquisition step;
A statistical processing step in which the statistical processing unit statistically processes the one or more deposit information and one or more withdrawal information, and obtains a processing result;
The output information acquisition unit acquires output information according to the processing result, and an output information acquisition step;
An information processing method, wherein the output unit includes an output step of outputting the output information. Computer
A deposit / withdrawal information acquisition unit for acquiring one or more deposit information relating to deposit including the deposit amount to the bank account and one or more withdrawal information relating to withdrawal including the withdrawal amount to the bank account;
A statistical processing unit that statistically processes the one or more deposit information and one or more withdrawal information, and obtains a processing result;
An output information acquisition unit that acquires output information according to the processing result;
A program for causing an output unit to output the output information.