JP2023046201A - Financial service intermediary device, program and financial service intermediation method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial service intermediary device capable of motivating a user to work seriously about a workplace.

SOLUTION: A financial service intermediary device is provided. The financial service intermediary device includes a reception part, an acquisition part, a calculation part, a determination part and a notification part. The reception part receives desire information relating to financial service that a user desires to be mediated. The acquisition part acquires first evaluation information representing evaluation of the user by a workplace of the user. The calculation part calculates a first intermediation possible range of the financial service based on the first evaluation information and reference information. The reference information is the information representing a relation between the second evaluation information representing evaluation of employees by a company and the second intermediation possible range of any financial service. The determination part determines whether or not to intermediate the financial service based on the desire information and the first intermediation possible range. The notification notifies a user terminal of information relating to whether or not to intermediate the financial service.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2023,JPO&INPIT

Description

The present invention relates to a financial service intermediation device, a program, and a financial service intermediation method.

A financial institution system that provides financial services using an API provided by a financial institution has been disclosed (see Patent Document 1, for example).

Japanese Patent Application Laid-Open No. 2020-068032

By the way, when a user intends to use financial services, the financial institution examines whether or not to provide financial services to the user based on the user's personal information such as age, occupation, and annual income. This review does not take into account the user's evaluation by the employer. Therefore, the user may not have the motivation to work seriously at the place of work.

In view of the above circumstances, the present invention provides a financial service intermediation apparatus that can motivate users to work seriously at their workplaces.

According to one aspect of the invention, a financial services intermediary device is provided. This financial service intermediation device includes a reception unit, an acquisition unit, a calculation unit, a determination unit, and a notification unit. The reception unit receives desired information related to financial services for which the user desires to be mediated. The acquisition unit acquires first evaluation information indicating the user's evaluation by the user's workplace. The calculation unit calculates a first intermediation possible range of financial services based on the first evaluation information and the reference information. The reference information is information indicating the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediation possible range of any financial service. The determination unit determines whether or not financial service intermediation is possible based on the desired information and the first intermediation possible range. The notification unit notifies the terminal of the user of information regarding whether or not financial services can be intermedied.

According to the above disclosure, it is possible to motivate the user to work diligently at his place of work.

1 is a configuration diagram showing a financial service intermediation system 100 according to this embodiment; FIG. 2 is a block diagram showing the hardware configuration of the server device 200; FIG. 3 is a block diagram showing the hardware configuration of financial service intermediary device 300. FIG. 3 is a block diagram showing functions implemented by financial service intermediary device 300 (control unit 310). FIG. 3 is an activity diagram showing the flow of information processing executed by financial service intermediation apparatus 300. FIG. FIG. 10 is a diagram showing an example of first evaluation information indicating user A's evaluation; FIG. 4 is a diagram showing an example of information related to user A's annuity insurance; It is a figure which shows the calculation method of the 1st mediation possible range. FIG. 9 is a diagram showing an example of execution results of determination processing by a determination unit 314; FIG. 10 is a diagram showing an example of a notification result regarding the propriety of car loan intermediation displayed on the user terminal 400. FIG. FIG. 4 is a diagram showing an example of information related to a financial service that has become available for intermediation, displayed on the user terminal 400. FIG.

Embodiments of the present invention will be described below with reference to the drawings. Various features shown in the embodiments shown below can be combined with each other.

By the way, the program for realizing the software appearing in this embodiment may be provided as a non-transitory computer-readable medium (Non-Transitory Computer-Readable Medium), or may be downloaded from an external server. It may be provided as possible, or may be provided so that the program is activated on an external computer and the function is realized on the client terminal (so-called cloud computing).

Further, in the present embodiment, the term “unit” may include, for example, a combination of hardware resources implemented by circuits in a broad sense and software information processing that can be specifically realized by these hardware resources. . In addition, various information is handled in the present embodiment, and these information are, for example, physical values of signal values representing voltage and current, and signal values as binary bit aggregates composed of 0 or 1. It is represented by high and low, or quantum superposition (so-called quantum bit), and communication and operation can be performed on a circuit in a broad sense.

A circuit in a broad sense is a circuit implemented by appropriately combining at least circuits, circuits, processors, memories, and the like. Application Specific Integrated Circuits (ASICs), programmable logic devices (e.g., Simple Programmable Logic Devices (SPLDs), Complex Programmable Logic Devices (CPLDs), and field It includes a programmable gate array (Field Programmable Gate Array: FPGA).

1. Hardware Configuration Section 1 describes the hardware configuration of this embodiment.

1.1 Financial Service Intermediary System 100
FIG. 1 is a configuration diagram showing a financial service intermediation system 100 according to this embodiment. The financial service intermediary system 100 includes a server device 200, a financial service intermediary device 300, and a user terminal 400, which are connected via a network. These components are further described. Here, the system illustrated in financial services intermediary system 100 is comprised of one or more devices or components. Note that the user terminal 400 may be, for example, a smart phone, a tablet terminal, a notebook computer, a desktop computer, or the like. A description of the hardware configuration of the user terminal 400 is omitted because it is substantially the same as that of the financial service intermediation apparatus 300 .

1.2 Server Device 200
FIG. 2 is a block diagram showing the hardware configuration of the server device 200. As shown in FIG. The server device 200 has a control unit 210 , a storage unit 220 and a communication unit 250 , and these components are electrically connected via a communication bus 260 inside the server device 200 . Each component will be further described.

The control unit 210 processes and controls overall operations related to the server device 200 . The control unit 210 is, for example, a central processing unit (CPU) (not shown). Control unit 210 implements various functions related to server device 200 by reading out a predetermined program stored in storage unit 220 . That is, information processing by software stored in the storage unit 220 can be specifically realized by the control unit 210 which is an example of hardware, and can be executed as each functional unit included in the control unit 210 . These are further detailed in the next section. Note that the control unit 210 is not limited to a single unit, and may be implemented to have a plurality of control units 210 for each function. A combination thereof may also be used.

The storage unit 220 stores various information necessary for information processing of the server device 200 . This may be, for example, a storage device such as a solid state drive (SSD) that stores various programs related to the server device 200 executed by the control unit 210, or a temporary storage device related to program operations. It can be implemented as a memory such as a Random Access Memory (RAM) that stores the necessary information (arguments, arrays, etc.). A combination of these may also be used.

The communication unit 250 preferably uses wired communication means such as USB, IEEE1394, Thunderbolt, wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as 5G/LTE/3G, Bluetooth (registered trademark) communication, etc. is required. may be included depending on That is, it is more preferable to implement as a set of these communication means. That is, server device 200 communicates various information with financial service intermediary device 300 and user terminal 400 via communication unit 250 and the network.

1.3 Financial service intermediary device 300
FIG. 3 is a block diagram showing the hardware configuration of the financial service intermediary device 300. As shown in FIG. Financial service intermediation device 300 has control unit 310 , storage unit 320 , display information generation unit 330 , input reception unit 340 , and communication unit 350 . are electrically connected via a communication bus 360 at the . Descriptions of the control unit 310, the storage unit 320, and the communication unit 350 are omitted because they are substantially the same as those of the control unit 210, the storage unit 220, and the communication unit 250 in the server device 200. FIG.

The display information generation unit 330 displays text and images (including still images and moving images), and generates information to be displayed on display devices such as CRT displays, liquid crystal displays, organic EL displays, and plasma displays.

Input reception unit 340 inputs various information to financial service intermediary apparatus 300, and receives signals input from a mouse, keyboard, pointing device, or the like. Operation inputs made by the user are transferred to the control unit 310 via the communication bus 360 as command signals. Then, the control unit 310 can execute predetermined control and calculation as necessary.

2. Functional Configuration Section 2 describes the functional configuration of this embodiment. As described above, the information processing by the software stored in the storage unit 320 is specifically realized by the control unit 310 which is an example of hardware, so that each functional unit included in the control unit 310 can be realized.

FIG. 4 is a block diagram showing functions realized by financial service intermediary device 300 (control unit 310). Specifically, financial service intermediary device 300 (control unit 310 ) includes reception unit 311 , acquisition unit 312 , calculation unit 313 , determination unit 314 , notification unit 315 , and learning unit 316 .

The reception unit 311 is configured to receive various information. For example, the reception unit 311 receives desired information related to financial services for which the user wishes to be mediated.

Acquisition unit 312 is configured to acquire various types of information. For example, the acquisition unit 312 acquires first evaluation information indicating the user's evaluation by the user's workplace.

The calculator 313 is configured to calculate various information. For example, the calculation unit 313 calculates the first intermediation possible range of the financial service related to the received desired information based on the acquired first evaluation information and pre-stored reference information.

The determination unit 314 is configured to determine various information. For example, the determination unit 314 determines whether or not the financial service related to the desired information can be intermedied based on the received desired information of the user and the calculated first intermediation possible range.

The notification unit 315 is configured to notify various information. For example, the notification unit 315 notifies the user terminal 400 of information regarding whether financial services can be intermedied.

The learning unit 316 is configured to learn various information. For example, the learning unit 316 generates or updates a learned model using the relationship between the acquired first evaluation information and the calculated first intermediation possible range as teacher data. The machine learning algorithm is not particularly limited, and k-nearest neighbor method, logistic regression, support vector machine, neural network, topic model, Gaussian mixture model, etc. may be employed as appropriate.

3. Information Processing Method Section 3 describes the information processing method of the financial service intermediation apparatus 300 described above, that is, the financial service intermediation method. This financial service intermediation method is a computer-executed financial service intermediation method. The financial service intermediary method comprises a receiving step, an obtaining step, a calculating step, a judging step, and a notifying step. In the receiving step, desired information relating to financial services for which the user desires to be mediated is received. In the obtaining step, first evaluation information indicating the user's evaluation by the user's workplace is obtained. In the calculation step, a first intermediation possible range of the financial service desired by the user is calculated based on the obtained first evaluation information and the reference information. The reference information is information indicating the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediation possible range of any financial service. In the determination step, whether or not the financial service can be intermedied is determined based on the desired information related to the financial service desired by the user and the first intermediation possible range of the financial service. In the notification step, the terminal of the user is notified of information regarding whether or not the financial service can be intermedied.

FIG. 5 is an activity diagram showing the flow of information processing executed by the financial service intermediary device 300. As shown in FIG. Each activity in this activity diagram will be described below. Here, it is assumed that the user is a foreign worker (hereinafter referred to as "user A") who is considering using financial services.

First, the receiving unit 311 receives desired information related to financial services for which user A desires to be mediated (activity A110). That is, for example, the communication unit 350 receives desired information transmitted from the user terminal 400, and the control unit 310 causes the storage unit 320 to store the received desired information.

Here, financial services refer to, for example, services such as banking, credit cards, insurance, accounting, securities trading, and investment funds. , car loans, investment trusts, overseas remittances, etc. In the present embodiment, financial services are described as indicating auto loans where appropriate. Desired information regarding financial services indicates information such as desired borrowing amount and repayment period in the case of a car loan.

Subsequently, the acquisition unit 312 acquires first evaluation information indicating an evaluation of user A by the workplace of user A (activity A120). That is, for example, the control unit 310 accesses the server device 200 via the communication unit 350 and executes acquisition processing to acquire the first evaluation information. The server device 200 is a server used by the workplace of the user A and companies other than the workplace of the user A, and stores evaluation information of employees such as the user A.

FIG. 6 is a diagram showing an example of first evaluation information indicating user A's evaluation. In FIG. 6, examples of work attitude, position, and years of service are given as the first evaluation information, but the first evaluation information may include at least one of work attitude, position, and years of service, and other evaluations. may contain items. Here, user A is evaluated as having an "excellent" work attitude, a "chief" job title, and two years of continuous service. The first evaluation information may be quantified and used for convenience.

Here, an example of digitizing the first evaluation information will be described. The work attitude may be, for example, 4 points for excellent, 3 points for excellent, 2 points for good, 1 point for acceptable, and 0 points for unsatisfactory. As for positions, for example, a section chief or above may be given 4 points, a section chief 3 points, a chief 2 points, and a general employee 1 point. For the years of service, for example, 5 points for 5 years or more, 4 points for 4 years, 3 points for 3 years, 2 points for 2 years, 1 point for 1 year, and 0 points for less than 1 year. The first evaluation information may be the sum of each numerical value, or may be the multiplication of each numerical value.

Note that the first evaluation information may be a detailed evaluation, and for example, the work attitude may be described in a sentence format. In this case, the work attitude may be quantified by an analysis method such as text mining.

In this way, since the first evaluation information includes work attitude, title, and length of service, user A needs to work seriously at his employer in order to use financial services. Employers, such as employers, can therefore employ hard-working employees.

Subsequently, the acquisition unit 312 acquires the personal information of user A (activity A125). That is, for example, the control unit 310 acquires the personal information of the user A by accessing the server device 200 via the communication unit 350 and executing the acquisition process. Here, the personal information includes at least one of criminal history, financial accident history, and disciplinary action history, and may include information other than these.

The server device 200 may cooperate with institutions in each country (for example, information institutions, financial institutions, police agencies, private companies, non-profit organizations, etc.) to exchange each type of information handled in this embodiment. In addition, the server device 200 may cooperate with a device having functions equivalent to those of the server device 200, which is used by another financial service intermediary, to exchange various information handled in this embodiment.

By linking the server device 200 as described above, it can be utilized, for example, to restrict the entry of persons with a criminal record. In other words, by accumulating and sharing information on persons with criminal records, financial accident records, disciplinary actions, etc., it is possible to cooperate with administrative agencies and contribute to national security. .

Subsequently, the calculation unit 313 calculates the planned payment amount of the lump-sum withdrawal payment based on the planned subscription period of the pension insurance of user A (activity A130). That is, for example, the control unit 310 accesses the server device 200 via the communication unit 350, acquires information related to user A's annuity insurance from the server device 200, and substitutes this information into a predetermined function. Calculate the planned payment amount of the lump-sum withdrawal payment.

FIG. 7 is a diagram showing an example of information related to user A's annuity insurance. It is assumed that User A has received the status of residence of Specified Skilled Worker No. 1 and plans to stay in Japan for 3 years. Further, it is assumed that the standard monthly remuneration of user A is 200,000 yen and the standard bonus amount is 400,000 yen. Furthermore, it is assumed that user A is enrolled in welfare annuity insurance. Here, the lump-sum withdrawal payment from the employees' pension insurance can be calculated using the following formula.

Assuming that user A's bonus is paid twice a year, the average standard remuneration amount is 266,666 yen. The welfare pension premium rate shall be 18.3%. Furthermore, assume that the coefficient for 3 years (36 months) is 36. When these values are applied to the above formula, the planned payment amount of the lump-sum withdrawal payment based on the planned subscription period of user A's pension insurance is calculated as 878,398 yen.

In this way, the control unit 310 reads out a predetermined lookup table or function stored in the storage unit 320, and substitutes information related to annuity insurance to calculate the scheduled payment amount of the lump-sum withdrawal payment for the user A. do.

Subsequently, the calculation unit 313 calculates a first intermediation possible range of financial services based on the first evaluation information indicating the evaluation of user A by the workplace of user A and the reference information (activity A140). That is, for example, the control unit 310 reads the first evaluation information and the reference information stored in the storage unit 320 and executes calculation processing to calculate the first intermediation possible range of financial services. Here, the first intermediary range indicates the range in which intermediation of financial services for user A is possible. In the case of investment trusts, it indicates the upper limit of the investment amount, and in the case of overseas remittance, it indicates the remittance limit per time.

Here, the reference information is information indicating the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediation possible range of arbitrary financial services. Here, the second evaluation information indicates the evaluation of an employee who is not directly related to user A (for example, user B). Further, the second intermediation possible range indicates a range in which financial service intermediation for user B is possible. That is, the reference information is information indicating the relationship between the evaluation information of a plurality of employees and the corresponding mediation possible range.

Preferably, the reference information is a pre-learned model trained using the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediation possible range of arbitrary financial services as teacher data. By using machine learning, it is possible to identify with a high degree of accuracy the extent to which financial services can be intermediated. In this embodiment, reference information is explained as a learned model.

FIG. 8 is a diagram showing a method of calculating the first mediation possible range. The control unit 310 reads user A's desire information related to financial services, user A's first evaluation information, and user A's scheduled payment amount of lump-sum withdrawal from pension insurance. Subsequently, the control unit 310 inputs each read information to the learned model. The trained model performs internal processing based on each piece of information, and outputs a range in which financial service intermediation for user A is possible. Here, it is assumed that 2,800,000 yen is calculated as the possible mediation range.

In the present embodiment, the calculation unit 313 calculates the first intermediation possible range according to the expected payment amount of the lump-sum withdrawal payment based on the expected subscription period of user A's pension insurance.

According to activity A140, the expected payment amount of the pension insurance lump-sum withdrawal payment can be used for examination of financial services. Therefore, even users who normally have difficulty using financial services can use financial services more easily. In addition, by promoting the use of financial services, the financial industry can be revitalized.

Subsequently, the determination unit 314 selects the financial service based on the desired information related to the financial service that the user A desires to be mediated, the first intermediation possible range of the financial service, and the personal information of the user A. mediation is determined (activity A150). That is, for example, the control unit 310 reads out the desired information, the first intermediation possible range, and the personal information of the user A stored in the storage unit 320, and executes the determination process to obtain the financial information desired by the user A. Determines whether service mediation is possible.

FIG. 9 is a diagram illustrating an example of execution results of determination processing by the determination unit 314. As illustrated in FIG. The judging unit 314 compares the amount of money within the financial service intermediation possible range with the desired borrowing amount of user A, and further performs processing based on user A's personal information, thereby making it possible to intermediate the desired borrowing amount of user A. If it is within the range, it is judged that intermediation of financial services is possible. In FIG. 9, it is assumed that there is no correction based on user A's personal information.

In FIG. 9, since user A's desired borrowing amount of 3,000,000 yen is larger than the brokerable range of 2,800,000 yen, the determination unit 314 determines that mediation of the automobile loan desired by user A is impossible. there is This determination process is executed, for example, by the control unit 310 reading out a predetermined lookup table or function stored in the storage unit 320 and substituting each piece of information that is similarly read out into the lookup table or function. be.

Here, correction based on user A's personal information will be described. Among the personal information, the criminal record is divided into previous record and criminal record, and the criminal record is specifically divided into death penalty, imprisonment, imprisonment, fine, detention, and fine. For example, if user A's criminal history corresponds to a "fine", the determination unit 314 may subtract 1 million yen from the possible range of financial service intermediation, and then compare it with the desired borrowing amount. Further, when User A's criminal record corresponds to a "criminal record", regardless of User A's desired borrowing amount, the determination unit 314 may determine that intermediation of financial services is impossible. Similar processing may be performed when User A has a history of financial accidents and a history of disciplinary action.

In this way, by determining whether or not to intervene financial services using the user's personal information, it is possible to highly accurately determine whether or not to intermediate financial services based on the creditworthiness of the user.

Subsequently, the notification unit 315 notifies the user terminal 400 of information regarding whether or not the financial service that the user A desires to be mediated (activity A160). That is, for example, the control unit 310 reads the information on whether or not the financial service can be intermedied, stored in the storage unit 320, and executes notification processing to transmit the information about whether or not the financial service can be intermedied to the communication unit. 350 to the user terminal 400 . The mode of notification is not particularly limited, but may be, for example, push notification.

Subsequently, the notification unit 315 notifies the user terminal 400 of information related to the first intermediation possible range of the financial service that the user A wishes to intercede (activity A170). That is, for example, the control unit 310 reads the information related to the first intermediary range stored in the storage unit 320 and executes the notification process, thereby transmitting the information related to the first intermediary range to the communication unit 350. is notified to the user terminal 400 via. The mode of notification is not particularly limited, but may be, for example, push notification.

FIG. 10 is a diagram showing an example of the result of the notification regarding the propriety of car loan intermediation displayed on the user terminal 400. As shown in FIG. User A requested a car loan of 3,000,000 yen, but the amount of car loan intermediation was 2,800,000 yen. can. Since user A is a foreign worker, the language of the notification result displayed on user terminal 400 may be selectable.

According to activity A170, user A can grasp whether or not financial service intermediation is possible and the extent to which financial service intermediation is possible. can be set.

Subsequently, the learning unit 316 acquires the relationship between the first evaluation information indicating the evaluation of the user A by the workplace of the user A and the first intermediation possible range of the financial service for which the user A wishes to be interceded. to generate or update a learned model (activity A180). That is, the learned model can be generated or updated using the relationship between the first evaluation information and the first intermediation possible range obtained during the operation of the financial service intermediary device 300 as teacher data.

According to activity A180, by using actual data as training data, it is possible to generate a trained model that has been trained specifically for the place of work of user A, for example. It is possible to specify with high accuracy the range in which financial service intermediation is possible for a person.

Subsequently, control unit 310 verifies whether or not there is a financial service that can be mediated by user A (activity A190). If user A has a financial service that can be intermediated (YES in activity A190), the notification unit 315 notifies the user terminal 400 of information related to the financial service that has become intermediary (activity A200). That is, for example, if the type of financial service in which user A is interested has been received from the user terminal 400 in advance, the control unit 310 notifies the user terminal when this financial service becomes available for intermediation. Notify 400. The mode of notification is not particularly limited, but may be, for example, push notification.

FIG. 11 is a diagram showing an example of information displayed on the user terminal 400 regarding financial services that have become available for intermediation. User A requested an automobile loan of 3,000,000 yen, but the automobile loan could not be used with this borrowing amount. Therefore, for example, as a result of updating the evaluation information of user A, it is assumed that it is calculated that an auto loan of up to 3,000,000 yen can be brokered. The notification unit 315 notifies the user terminal 400 of information related to this calculation result.

Activities A190 to A200 enable the user to understand that the desired financial service can be used. Therefore, it is possible to revitalize the financial industry by promoting the use of financial services.

The information processing from activity A110 to activity A200 described in Section 3 is repeated as appropriate. According to this, it is possible to motivate the user to work diligently at the place of work.

An aspect of this embodiment may be a program. This program causes the computer to function as each part of the financial service intermediary device 300 .

Although the embodiment of the present invention has been described above, the present invention is not limited to this and can be modified as appropriate without departing from the technical idea of the invention.

As a first modified example, the calculation unit 313 calculates the first intermediation possible range of the financial service that the user A desires to be interceded according to the payment amount of the lump-sum withdrawal payment of the pension insurance in which the user A has subscribed. You may For example, after the user A returns to his/her home country, the lump-sum withdrawal payment from the pension insurance provided to him is used as collateral to calculate the range in which financial service intermediation is possible.

According to the first modified example, even users who normally have difficulty using financial services can use financial services more easily. Therefore, the user's quality of life can be improved, and the financial industry can be activated by promoting the use of financial services.

As a second modification, the calculation unit 313 may further calculate the breakdown of the financial service intermediation possible range. For example, a lump-sum withdrawal payment of 800,000 yen from pension insurance may be added to the basic intermediation possible range of 2,000,000 yen to calculate the financial service intermediation possible range of 2,800,000 yen. Further, the calculation unit 313 may further calculate the breakdown of the basic mediation possible range.

According to the second modification, the notification unit 315 notifies the user terminal 400 of the details of the financial service intermediation range, so that the user can obtain the information necessary for using the financial service. . Therefore, it is possible to motivate the user to work diligently at the place of work.

As a third modified example, the notification unit 315 may notify the user terminal 400 of the period until an arbitrary financial service becomes available for intermediation. For example, the user terminal 400 may be notified that it is half a year until the car loan can be brokered up to 3 million yen. The notification unit 315 may periodically notify the user terminal 400 of this notification.

According to the third modified example, the user can grasp the period until the desired financial service becomes available. Therefore, it is possible to motivate the user to work diligently at the place of work.

As a fourth modification, in this embodiment, the lump-sum withdrawal payment from the employees' pension insurance was described, but this is not the only option. can be calculated based on

As a fifth modified example, the acquired personal information of the user may be used when calculating the range of possible intermediation of financial services. For example, if the user's criminal record corresponds to a "fine", the calculation unit 313 may calculate a value obtained by subtracting 1,000,000 yen from the possible financial service intermediation range compared to when there is no criminal record.

As a sixth modification, identity verification may be performed for the user who uses the financial service intermediary device 300 . The identity verification may be performed, for example, when the user registers with the financial service intermediary apparatus 300, or may be performed when the activity A120 or activity A125 is executed. Identity verification indicates eKYC (electronic Know Your Customer), for example.

According to the sixth modification, it is possible to prevent money laundering by criminal organizations, inflow of funds to terrorist organizations, etc. by intermediating financial services.

It may be provided in each aspect described below.
In the financial service intermediary device, the reference information is a trained model that has been trained in advance using the relationship between the second evaluation information and the second intermediary range as teacher data.
Financial service, wherein the financial service intermediary device comprises a learning unit, and the learning unit generates or updates the learned model using the relationship between the first evaluation information and the first intermediation possible range as teacher data. intermediary device.
A financial service intermediation apparatus, wherein the first evaluation information includes at least one of work attitude, title, and length of service.
In the financial service intermediation device, the user is a foreign worker, and the calculation unit calculates the first intermediation possible range according to the payment amount of the lump-sum withdrawal payment of the pension insurance in which the foreign worker has subscribed. A financial service intermediary device that calculates
In the financial service intermediary device, the user is a foreign worker, and the calculation unit calculates the amount of the lump-sum withdrawal payment based on the planned subscription period of the foreign worker's pension insurance. A financial service intermediation device that calculates a first intermediation possible range.
In the financial service intermediation device, the notification unit notifies the terminal of the user of information related to the financial service that has become intermediable.
In the financial service intermediation device, the notification unit notifies the terminal of the user of information related to the first intermediation possible range.
In the financial service intermediary device, the acquisition unit acquires the user's personal information, the personal information includes at least one of a criminal record, a financial accident record, and a disciplinary action record, A financial service intermediation device that determines whether or not to intermediate the financial service based on information.
A program that causes a computer to function as each part of the financial service intermediation apparatus.
A computer-implemented financial service intermediation method, comprising: a receiving step; an obtaining step; a calculating step; a determining step; request information is received, the acquisition step acquires first evaluation information indicating an evaluation of the user by the user's workplace, and the calculation step is based on the first evaluation information and reference information , the first intermediary scope of the financial service is calculated, and the reference information is information indicating the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediary scope of any financial service. In the determination step, based on the desired information and the first intermediary range, it is determined whether or not the financial service can be intermedied, and in the notification step, the information regarding the possibility of intermediation of the financial service is sent to the A financial service intermediary method for notifying a user's terminal.
Of course, this is not the only case.

100: financial service intermediation system 200: server device 210: control unit 220: storage unit 250: communication unit 260: communication bus 300: financial service intermediation device 310: control unit 311: reception unit 312: acquisition unit 313: calculation unit 314: Judgment unit 315 : notification unit 316 : learning unit 320 : storage unit 330 : display information generation unit 340 : input reception unit 350 : communication unit 360 : communication bus 400 : user terminal

Claims (11)

A financial services intermediary device,
comprising a reception unit, an acquisition unit, a calculation unit, a determination unit, and a notification unit,
The reception unit receives desired information related to financial services that the user desires to be mediated,
The acquisition unit acquires first evaluation information indicating an evaluation of the user by the user's workplace,
The calculation unit calculates a first intermediation possible range of the financial service based on the first evaluation information and reference information,
The reference information is information indicating the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediation possible range of arbitrary financial services,
The determination unit determines whether or not to mediate the financial service based on the desired information and the first mediation possible range,
The notification unit notifies the terminal of the user of information regarding whether or not the financial service can be intermedied.
financial services intermediary equipment; The financial service intermediary device according to claim 1,
The reference information is a trained model that has been trained in advance using the relationship between the second evaluation information and the second mediation possible range as teacher data.
financial services intermediary equipment; The financial service intermediary device according to claim 2,
Equipped with a learning section,
The learning unit generates or updates the learned model using the relationship between the first evaluation information and the first mediation possible range as teacher data.
financial services intermediary equipment; In the financial service intermediary device according to any one of claims 1 to 3,
The first evaluation information includes at least one of work attitude, position and length of service,
financial services intermediary equipment; In the financial service intermediary device according to any one of claims 1 to 4,
The user is a foreign worker,
The calculation unit calculates the first intermediation possible range according to the payment amount of the lump-sum withdrawal payment of the pension insurance in which the foreign worker has subscribed.
financial services intermediary equipment; In the financial service intermediary device according to any one of claims 1 to 4,
The user is a foreign worker,
The calculation unit calculates the first intermediation possible range according to the scheduled payment amount of the lump-sum withdrawal payment based on the scheduled subscription period of the foreign worker's pension insurance.
financial services intermediary equipment; In the financial service intermediary device according to any one of claims 1 to 6,
The notification unit notifies the terminal of the user of information related to financial services that have become available for intermediation;
financial services intermediary equipment; In the financial service intermediary device according to any one of claims 1 to 7,
The notification unit notifies the terminal of the user of information related to the first mediation possible range.
financial services intermediary equipment; In the financial service intermediary device according to any one of claims 1 to 8,
The acquisition unit acquires personal information of the user,
the personal information includes at least one of criminal history, financial accident history and disciplinary action history;
The determination unit determines whether or not to intervene in the financial service based on the personal information.
financial services intermediary equipment; a program,
causing a computer to function as each part of the financial service intermediary device according to any one of claims 1 to 9,
program. A computer implemented financial services intermediation method comprising:
comprising a reception process, an acquisition process, a calculation process, a judgment process, and a notification process,
In the receiving step, receiving desired information related to a financial service for which the user wishes to be mediated;
In the obtaining step, first evaluation information indicating an evaluation of the user by the user's workplace is obtained;
In the calculating step, a first intermediation possible range of the financial service is calculated based on the first evaluation information and reference information;
The reference information is information indicating the relationship between the second evaluation information indicating the evaluation of the employee by the company and the second intermediation possible range of arbitrary financial services,
In the determination step, based on the desired information and the first intermediation possible range, it is determined whether the financial service can be intermedied,
In the notification step, notifying the terminal of the user of information regarding whether or not the financial service can be intermedied;
Financial Services Intermediation Methods.

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