TW202131268A - Electronic apparatus and method for determining a candidate - Google Patents
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本發明係關於一種判斷被徵信人的電子裝置及其方法。具體而言,本發明係關於一種判斷法律相關文件中的判決關係人是否為被徵信人本人的電子裝置及其方法。The present invention relates to an electronic device and method for judging a creditee. Specifically, the present invention relates to an electronic device and method for judging whether a person concerned with a judgment in a legal document is the person being credited.
申請信用貸款時,借貸方會對貸款人進行個人資訊之徵信以做為未來還款風險評估之依據。個人資訊包含例如貸款人之職業、職級、薪資、不動產…等財務相關資訊以評估貸款人之還款能力,亦可輔以其他參考資訊例如消費行為、還款紀錄、犯罪紀錄…等歷史行為來評估貸款人之還款意願。When applying for a credit loan, the borrower will check the personal information of the lender as a basis for future repayment risk assessment. Personal information includes financial-related information such as the lender’s occupation, rank, salary, real estate... to assess the lender’s repayment ability, and can also be supplemented with other reference information such as consumption behavior, repayment records, criminal records... and other historical behaviors. Assess the lender's willingness to repay.
然而進行犯罪紀錄的徵信時,經常發生無法確認相關文件中的涉案人是否為被徵信人本人,亦或涉案人僅為同名同姓之人的情況。本發明之電子裝置及其方法提供了解決方案。However, when conducting credit investigation of criminal records, it often happens that it is impossible to confirm whether the person involved in the relevant documents is the person being credited, or that the person involved is only the person with the same name and surname. The electronic device and method of the present invention provide a solution.
本發明之一目的在於確認法律相關文件中的涉案人是否為被徵信人本人,做為評估被徵信人的貸款還款意願之參考依據。One purpose of the present invention is to confirm whether the person involved in the relevant legal documents is the creditee himself, as a reference basis for evaluating the creditee's willingness to repay the loan.
本發明之另一目的在於藉由預定義方法計算相關性指標,以判斷被徵信人與法律相關文件中同名同姓的涉案人是否為同一人。Another purpose of the present invention is to calculate the correlation index by a predefined method to determine whether the credited person and the person involved in the law-related documents with the same name and surname are the same person.
本發明之另一目的在於藉由預定義方法分析法律相關文件並獲得相關性因子,經計算以獲得相關性指標。Another purpose of the present invention is to analyze the legal documents by a predefined method and obtain the correlation factor, which can be calculated to obtain the correlation index.
本發明提出之一種技術方案為提供一種判斷被徵信人的電子裝置。電子裝置包含處理單元、輸入單元、顯示單元以及儲存單元。處理單元耦接於輸入單元、顯示單元以及儲存單元。輸入單元接收被徵信人的個人資料,個人資料至少包含被徵信人姓名。處理單元經操作由資料來源取得包含被徵信人姓名的至少一法律相關文件並儲存於儲存單元。處理單元經操作以計算法律相關文件所包含的被徵信人姓名所對應之自然人為被徵信人的相關性指標,若相關性指標大於相關門檻值,則判斷被徵信人為相關,並顯示判斷結果於顯示單元。A technical solution proposed by the present invention is to provide an electronic device for judging a creditee. The electronic device includes a processing unit, an input unit, a display unit, and a storage unit. The processing unit is coupled to the input unit, the display unit and the storage unit. The input unit receives the personal data of the credited person, and the personal data contains at least the name of the credited person. The processing unit obtains at least one legal-related document containing the name of the credited person from the data source and stores it in the storage unit. The processing unit is operated to calculate the correlation index of the natural person corresponding to the creditee’s name contained in the relevant legal documents as the creditee. If the correlation index is greater than the relevant threshold, the creditee is judged to be relevant and displayed The judgment result is displayed on the display unit.
本發明提出之另一種技術方案為提供一種判斷被徵信人的方法,包含:以電子裝置的輸入單元接收被徵信人的個人資料,個人資料至少包含被徵信人姓名;由資料來源取得包含被徵信人姓名的至少一法律相關文件並儲存於電子裝置的儲存單元;以及以電子裝置的處理單元計算法律相關文件所包含的被徵信人姓名所對應之自然人為被徵信人的相關性指標,若相關性指標大於相關門檻值,則判斷被徵信人為相關,並顯示判斷結果於電子裝置的顯示單元。Another technical solution proposed by the present invention is to provide a method for judging a creditee, which includes: receiving the personal data of the creditee through the input unit of the electronic device, the personal data at least including the name of the creditee; obtained from the data source At least one legal-related document containing the name of the credited person and stored in the storage unit of the electronic device; and the processing unit of the electronic device is used to calculate the natural person corresponding to the name of the credited person contained in the legal-related document as the credited person The relevance index, if the relevance index is greater than the relevant threshold, the creditee is judged to be relevant, and the judgment result is displayed on the display unit of the electronic device.
圖1為根據本發明一實施例所繪示的電子裝置100之示意圖。如圖1所示,用於判斷被徵信人的電子裝置100包含處理單元110,以及耦接於處理單元110的輸入單元120、顯示單元130以及儲存單元140。於一較佳實施例,電子裝置100為個人電腦、平板電腦、或智慧型手機。於一較佳實施例,處理單元110為電子裝置100之處理器,顯示單元130為電子裝置100之螢幕,儲存單元140為電子裝置100之硬碟。於一較佳實施例,輸入單元120為電子裝置100之鍵盤、滑鼠、手寫板、或觸控螢幕。FIG. 1 is a schematic diagram of an
圖2為根據本發明一實施例所繪示的電子裝置100與輸入被徵信人的個人資料P之示意圖。如圖2所示,輸入單元120接收被徵信人的個人資料P,並顯示於顯示單元130。於一較佳實施例,電子裝置100藉由輸入單元120,例如鍵盤、滑鼠、手寫板、或觸控螢幕,接收被徵信人輸入之個人資料P。於一實施例,個人資料P至少包含被徵信人姓名Pn;於另一實施例,個人資料P進一步包含出生日期Pd、至少一經常活動地點Pa、至少一親友姓名Pr或其組合。於一較佳實施例,出生日期Pd至少包含出生年;於另一實施例,出生日期Pd包含出生年月日。於一較佳實施例,經常活動地點Pa包含住家地點Pa1、工作地點Pa2或其組合。於一較佳實施例,親友姓名Pr包含親屬姓名Pr1、朋友姓名Pr2或其組合。FIG. 2 is a schematic diagram of the
於獲得被徵信人的個人資料P後,處理單元110經操作由資料來源取得包含被徵信人姓名Pn的至少一法律相關文件310並儲存於儲存單元。於一較佳實施例,資料來源為司法院法學資料檢索系統,法律相關文件310為判決資料,例如各級法院之民事判決書、刑事判決書、或行政判決書。After obtaining the personal data P of the creditee, the
圖3為根據本發明一實施例所繪示的電子裝置100與顯示判斷結果135之示意圖。處理單元110經操作以計算法律相關文件310所包含的被徵信人姓名Pn所對應之自然人為被徵信人的相關性指標Ir,若相關性指標Ir大於相關門檻值Tr,則判斷被徵信人為相關,並顯示判斷結果135於顯示單元130,如圖3所示。於一較佳實施例,若判斷被徵信人為相關,表示被徵信人涉案程度高,亦即法律相關文件310所包含的被徵信人姓名Pn極高機率為被徵信人本人。FIG. 3 is a schematic diagram illustrating the
圖4為根據本發明一實施例所繪示的相關性因子Fr與所對應之相關性權重W及相關性指標Ir之示意圖。如圖4所示,處理單元110經操作以分析法律相關文件310並獲得至少一相關性因子Fr(圖4以Fr1~Fr2為例,但不以此為限,可包含更多或更少的相關性因子Fr)。於圖4的實施例中,相關性因子Fr包含一角色因子Fr1以及一相關人因子Fr2;於其他實施例中,相關性因子Fr亦可包含上述各因子之組合,例如僅包含一角色因子Fr1。FIG. 4 is a schematic diagram of the correlation factor Fr and the corresponding correlation weight W and the correlation index Ir according to an embodiment of the present invention. As shown in FIG. 4, the
處理單元110經操作以指派每一相關性因子Fr所對應之一相關性權重W(圖4以相關性因子Fr1~ Fr1所對應之相關性權重W1~W2為例,但不以此為限),處理單元110經操作以計算並獲得一年齡距離權重加總WSd,以及經操作以計算並獲得一常見姓名權重Wn。處理單元110經操作以計算所有相關性權重W之相關性權重加總(圖4之相關性權重加總為『W1+W2』),處理單元110經操作以計算相關性權重加總與年齡距離權重加總WSd之加總以獲得權重加總(圖4之權重加總為『(W1+W2)+WSd』),並計算權重加總與常見姓名權重Wn之乘積(圖4 以『(W1+W2+WSd)* Wn』為例)_以獲得相關性指標Ir。以圖4的實施例為例,相關性權重W包含角色權重W1以及相關人權重W2;角色因子Fr1對應之角色權重W1為『+6』、相關人因子Fr2對應之相關人權重W2為『+4』,相關性權重加總為W1+W2 =10;獲得之年齡距離權重加總WSd為『+5』,權重加總為(W1+W2)+WSd=15;獲得之常見姓名權重Wn為『0.8』;相關性指標Ir為15*0.8=12,相關門檻值Tr為『10』,此時相關性指標Ir大於相關門檻值Tr,故判斷被徵信人王小明為『相關』,亦即法律相關文件310中的被徵信人姓名Pn『王小明』與『被徵信人王小明』有極高機率為同一人而非同名同姓之人。於圖4之實施例,年齡距離權重加總WSd與相關性權重W之計算方式不同,故為分別計算再予以加總以獲得權重加總。於另一實施例,年齡距離權重加總與相關性權重W之計算方式相同,亦即可將年齡距離權重加總WSd視為其中一個相關性權重(例如:年齡距離權重W6),或是其中二個相關性權重(例如:年齡權重W3及距離權重W4)以進行計算。The
值得注意的是,於一較佳實施例,相關性指標Ir之獲得方式為計算權重加總與常見姓名權重Wn之乘積而得,亦即相關性指標Ir=權重加總*常見姓名權重Wn,如圖4所示。於另一實施例(圖未示),可將常見姓名權重Wn視為相關性權重W其中之一(例如:常見姓名權重W5),而將常見姓名權重Wn與其他相關性因子所對應之相關性權重W以及年齡距離權重加總WSd進行加總,以獲得相關性指標Ir;亦即相關性指標Ir= W5 +(W1+W2) + WSd ,其中W5為常見姓名權重,W1~W2為其他相關性權重,WSd為年齡距離權重加總。於又一實施例,可同時將年齡距離權重加總WSd及常見姓名權重Wn視為相關性權重W其中之一(例如:年齡權重W3、距離權重W4、常見姓名權重W5)以進行相關性指標Ir之計算,此時相關性指標Ir=所有相關性權重W之加總(Ir=W1+S2+W3+W4+W5)。於其他實施例中,相關性指標Ir亦可以其他數學式計算而得。It is worth noting that, in a preferred embodiment, the relevance index Ir is obtained by calculating the product of the weight sum and the common name weight Wn, that is, the relevance index Ir=weight sum*common name weight Wn, As shown in Figure 4. In another embodiment (not shown in the figure), the common name weight Wn can be regarded as one of the relevance weights W (for example, the common name weight W5), and the common name weight Wn is correlated with other relevance factors. The gender weight W and the age distance weight plus WSd are added together to obtain the correlation index Ir; that is, the correlation index Ir= W5 + (W1+W2) + WSd, where W5 is the weight of common names, and W1~W2 are others Relevance weight, WSd is the sum of age distance weights. In another embodiment, the age distance weight sum total WSd and the common name weight Wn can be regarded as one of the relevance weights W (for example: age weight W3, distance weight W4, common name weight W5) to perform relevance indicators The calculation of Ir, at this time, the correlation index Ir= the sum of all correlation weights W (Ir=W1+S2+W3+W4+W5). In other embodiments, the correlation index Ir can also be calculated by other mathematical formulas.
相關門檻值Tr可由實務上歷史資料中被徵信人的得分分佈來決定,並依系統使用者對於風險承受意願進行主觀調整。於一實施例,相關門檻值Tr為預先定義並儲存於儲存單元140;於另一實施例,相關門檻值Tr可依使用者需求進行修改。於一較佳實施例,常見姓名權重Wn的數值範圍為0~1,於圖4實施例以0.8為例。常見姓名權重Wn的獲得方式將於後續段落做進一步說明。The relevant threshold Tr can be determined by the score distribution of creditees in the historical data in practice, and subjectively adjusted according to the willingness of system users to accept risks. In one embodiment, the relevant threshold Tr is predefined and stored in the
於一最佳實施例,相關性權重W的數值為根據相關性指標Ir的相關程度進行指派,例如:角色因子Fr1對於相關性指標Ir的相關程度較相關人因子Fr2對於相關性指標Ir的相關程度為高,故指派較高數值之相關性權重『+6』予角色權重W1,指派較低數值之相關性權重『+4』予相關人權重W2。換言之,相關性權重W的數值之指派可由實務上歷史資料中被徵信人的得分分佈來決定,並依系統使用者對於風險承受意願進行主觀調整。於一實施例,相關性權重W的指派為預先定義並儲存於儲存單元140;於另一實施例,相關性權重W的指派可依使用者需求進行修改。In a preferred embodiment, the value of the relevance weight W is assigned according to the degree of relevance of the relevance index Ir. For example, the role factor Fr1 is more relevant to the relevance index Ir than the related person factor Fr2 is to the relevance index Ir. The degree is high, so a higher value of relevance weight "+6" is assigned to the role weight W1, and a lower value of relevance weight "+4" is assigned to the relevant human weight W2. In other words, the assignment of the value of the relevance weight W can be determined by the score distribution of the creditee in the historical data in practice, and subjectively adjusted according to the willingness of the system user to bear the risk. In one embodiment, the assignment of the correlation weight W is predefined and stored in the
進一步而言,處理單元110經操作以分析法律相關文件310並獲得角色因子Fr1以及一相關人因子Fr2…等相關性因子Fr;處理單元110經操作以指派每一該相關性因子Fr所對應之角色權重W1以及相關人權重W2…等相關性權重W;處理單元110經操作以計算並獲得一年齡距離權重加總WSd;處理單元110經操作以獲得一常見姓名權重Wn;處理單元110經操作以計算所有相關性權重W之相關性權重加總,以及處理單元110經操作以計算相關性權重加總與年齡距離權重加總Sd之加總以獲得一權重加總,並計算權重加總與常見姓名權重Wn之乘積,以獲得相關性指標Ir。獲得各相關性因子Fr以及指派所對應之相關性權重W的方式詳以下各段說明。Furthermore, the
圖5為根據本發明一實施例所繪示的負面角色列表420之示意圖;圖6為根據本發明一實施例所繪示的法律相關文件310與代表角色410之示意圖。處理單元110經操作以定義一負面角色列表420;負面角色列表420包含複數個負面角色421,負面角色421包含被告、受刑人、共犯或其組合,如圖5所示。於一實施例中,負面角色列表420為預先定義並儲存於儲存單元140;於另一實施例中,負面角色列表420可依使用者需求新增或刪除所包含之負面角色421。FIG. 5 is a schematic diagram of a
當相關性因子Fr為角色因子Fr1時,獲得角色因子Fr1所對應之相關性權重W(角色權重W1)的方法如下:處理單元110經操作以分析被徵信人姓名Pn在法律相關文件中310所代表的至少一代表角色410;以及處理單元110經操作以分別比對每一代表角色410是否為負面角色421其中之一,若是則指派相關性因子Fr所對應之相關性權重W為一正值相關性權重,此時之相關性因子Fr為角色因子Fr1、所對應之相關性權重W為角色權重W1。以圖6為例,分析法律相關文件310中被徵信人姓名Pn『王小明』所代表的2個代表角色410皆為『被告』,經比對『被告』為負面角色列表420中所包含之負面角色421其中之一,故指派角色因子Fr1所對應之角色權重W1為正值相關性權重例如『+6』。When the relevance factor Fr is the role factor Fr1, the method for obtaining the relevance weight W (role weight W1) corresponding to the role factor Fr1 is as follows: the
圖7為根據本發明一實施例所繪示的角色列表430之示意圖;圖8為根據本發明一實施例所繪示的法律相關文件310與角色種類431之示意圖。分析被徵信人姓名Pn在法律相關文件310中所代表的代表角色410之方法如下:處理單元110經操作以定義角色列表430,角色列表430包含複數個角色種類431。角色種類包含原告、被告、上訴人、被上訴人、抗告人、被抗告人、受刑人、共犯、法定代理人、訴訟代理人、律師或其組合,如圖7所示。於一實施例中,角色列表430為預先定義並儲存於儲存單元140;於另一實施例中,角色列表430可依使用者需求新增或刪除所包含之角色種類431。FIG. 7 is a schematic diagram of a
處理單元110經操作以分析法律相關文件310的被告欄位311是否包含被徵信人姓名Pn,若是則判斷被徵信人姓名Pn的代表角色410為被告。處理單元110經操作以依據法律相關文件310中包含每一被徵信人姓名Pn所對應的前後文與角色種類431進行比對以判斷代表角色410。以圖8為例,先分析被告欄位311包含被徵信人姓名Pn『王小明』,故判斷被徵信人姓名Pn的代表角色410為『被告』;再依據法律相關文件310中被徵信人姓名Pn『王小明』所對應的前後文『被告』及『於當日』,經比對『被告』為角色列表430中所包含之角色種類431其中之一,故判斷被徵信人姓名Pn『王小明』於法律相關文件310中代表角色410為『被告』。The
圖9為根據本發明一實施例所繪示的親友列表440之示意圖;圖10為根據本發明一實施例所繪示的法律相關文件310與姓名312之示意圖。如圖9所示,處理單元110經操作以定義親友列表440,親友列表440包含複數個親友姓名Pr。於一實施例中,親友列表440為預先定義並儲存於儲存單元140;於另一實施例中,親友列表440可依使用者需求新增或刪除所包含之親友姓名Pr。9 is a schematic diagram of a relatives and friends list 440 according to an embodiment of the present invention; FIG. 10 is a schematic diagram of a
當相關性因子Fr為相關人因子Fr2時,獲得相關人因子Fr2所對應之相關性權重W(相關人權重W2)之方式如下:處理單元110經操作以分析法律相關文件310中所包含的至少一姓名312,並分別比對每一姓名312是否為親友姓名Pr其中之一,若是則指派相關性因子Fr所對應之相關性權重W為一正值相關性權重,此時之相關性因子Fr為相關人因子Fr2、所對應之相關性權重W為相關人權重W2。以圖10為例,分析法律相關文件310中包含姓名312『王小明』、『吳大發』、『張小花』、『蔡小美』,經比對『吳大發』、『張小花』分別為親友列表440中所包含之親友姓名Pr其中之一,故指派相關人因子Fr2所對應之相關人權重W2為正值相關性權重例如『+4』。於一實施例中,經比對為親友姓名Pr的每一姓名312指派一相同的正值相關性權重例如『+2』;例如圖10經比對法律相關文件310中包含2個親友姓名Pr,分別指派相關性權重為『+2』,得到圖4中相關人因子Fr2所對應之相關人權重W2為『+4』。於另一實施例中,經比對為親友姓名Pr的每一姓名312,根據與被徵信人的不同關係指派不同的權重,例如圖10的『張小花』為圖2中的親屬姓名Pr1,指派相關人權重W2為『+2』,『吳大發』為朋友姓名Pr2,指派相關人權重W2為『+1』。When the correlation factor Fr is the related person factor Fr2, the way to obtain the correlation weight W (related human rights weight W2) corresponding to the related person factor Fr2 is as follows: A
圖11為根據本發明一實施例所繪示的法律相關文件310與判決日期314之示意圖。於本實施例中,判定年齡因子以獲得年齡距離權重加總WSd之方式如下:處理單元110經操作以根據法律相關文件310中的判決日期314與被徵信人之出生日期Pd進行計算以獲得年齡;若年齡小於年齡門檻值,則處理單元110經操作以指派年齡距離權重加總WSd為0。於一實施例中,年齡門檻值為成年年齡『18』,此設定目的為假定未成年犯案機率較低。以圖11為例,由法律相關文件310中之判決日期314『民國84年8月7日』與被徵信人之出生日期Pd『1987/08/07』經計算獲得年齡為『8』小於年齡門檻值例如『18』,因假定未成年犯案機率較低,判定法律相關文件310中的姓名312『王小明』與被徵信人姓名Pn『王小明』,並非同一個『王小明』,亦即非被徵信人『王小明』本人,故不再繼續判定法律相關文件310中的活動距離因子,直接指派年齡距離權重加總WSd為0。FIG. 11 is a schematic diagram of a
反之,於另一實施例中,若被徵信人之出生日期Pd為『1956/08/07』(圖未示),由法律相關文件310中之判決日期314『民國84年8月7日』經計算獲得年齡為『39』大於年齡門檻值例如『18』,判定已成年有犯罪的可能性,故進一步判定法律相關文件310中的活動距離因子,以及進一步計算以獲得年齡距離權重加總WSd。On the contrary, in another embodiment, if the date of birth of the credited person Pd is "1956/08/07" (not shown), the judgment date 314 in the relevant
於一實施例中,若年齡大於或等於年齡門檻值,則處理單元110經操作以根據法律相關文件310中之的判決法院欄位313判斷一判決法院地點,經操作以獲得一第一年齡距離權重加總WSd1以及一第二年齡距離權重加總WSd2,並計算第一年齡距離權重加總WSd1與第二年齡距離權重加總WSd2之加總以獲得年齡距離權重加總WSd。In one embodiment, if the age is greater than or equal to the age threshold, the
值得注意的是,於一實施例中,先進行年齡因子的判定,若年齡小於年齡門檻值則直接指派年齡距離權重加總WSd為0,否則繼續進行活動距離因子的判定,並計算以獲得年齡距離權重加總WSd。於另一實施例中,不進行年齡因子的判定,直接進行活動距離因子的判定,並計算以獲得年齡距離權重加總WSd。It is worth noting that, in one embodiment, the age factor is determined first. If the age is less than the age threshold, the age distance weight is directly assigned and the total WSd is 0. Otherwise, the activity distance factor determination is continued and calculated to obtain the age. The distance weight sums up WSd. In another embodiment, the determination of the age factor is not performed, and the determination of the activity distance factor is directly performed, and the calculation is performed to obtain the weight of the age distance and the total WSd.
圖12為根據本發明一實施例所繪示的法律相關文件310與判決法院欄位313及姓名312之示意圖。個人資料P進一步包含至少一經常活動地點Pa,例如圖2 之住家地點Pa1及工作地點Pa2,但不以此為限,亦可包含其他經常活動地點Pa。第一年齡距離權重加總WSd1之獲得進一步包含:處理單元110經操作以計算每一經常活動地點Pa與判決法院地點之距離並獲得對應之一經常活動距離,並根據每一經常活動距離經操作以獲得對應之一第一年齡距離權重Wd1;處理單元110經操作以計算每一第一年齡距離權重WSd1之加總而獲得該第一年齡距離權重加總WSd1。FIG. 12 is a schematic diagram of a legal-related
於一實施例中,可根據每一經常活動距離藉由查表(例如第一年齡距離權重對應表)獲得對應之第一年齡距離權重Wd1。於一實施例中,第一年齡距離權重對應表為預先定義並儲存於儲存單元140,亦可視設計需求進行修改。舉例而言,第一經常活動距離為住家距離2.5公里,藉由查詢第一年齡距離權重對應表得到第一年齡距離權重Wd1_1=2;第二經常活動距離為工作距離2公里,藉由查詢第一年齡距離權重對應表得到第一年齡距離權重Wd1_2=2;進一步計算第一年齡距離權重加總WSd1=Wd1_1+ Wd 1_2=2+2=4。此實施例以經常活動距離為住家距離及工作距離為例,但不以此為限。In one embodiment, the corresponding first age distance weight Wd1 can be obtained by looking up a table (for example, the first age distance weight correspondence table) according to each frequent activity distance. In one embodiment, the first age distance weight correspondence table is predefined and stored in the
處理單元110經操作以根據法律相關文件310中之的判決法院欄位313判斷判決法院地點;處理單元110經操作以計算經常活動地點Pa與判決法院地點的距離。以圖12為例,由法律相關文件310中之判決法院欄位313『臺灣臺北地方法院』判斷判決法院地點為『台北市中正區博愛路131號』;於一實施例中,可查詢一預定義之對照表獲得判決法院地點。再計算經常活動地點Pa與判決法院地點的距離,例如被徵信人住家地點Pa1與判決法院地點的距離為『10公里』。於一實施例中,計算兩地點的距離之方式為計算兩地點的經緯度間的地球上球面距離,亦可以其他衡量遠近的指標來計算。於一實施例中,可使用半正矢公式來計算兩地點的經緯度間的地球上球面距離,半正矢公式為:(公式ㄧ);
藉此得到兩地點間沿地球球面的距離d為:(公式二);
其中r為地球半徑,θ1
及θ2
為兩地點的緯度, λ1
及λ2
為兩地點的經度。The
於一實施例中,個人資料P進一步包含至少一事件年齡及每一事件年齡所對應之一事件地點。例如,被徵信人於輸入個人資料P時輸入生日1987/8/7,於2006~2010年期間就讀台灣大學,2010~2012年期間於台積電任職;處理單元110經計算獲得第一事件年齡為19~23,對應之第一事件地點為台灣大學;以及處理單元110經計算獲得第二事件年齡為23~25,對應之第二事件地點為台積電。In one embodiment, the personal data P further includes at least one event age and an event location corresponding to each event age. For example, the credit respondent enters his birthday on August 7, 1987 when he enters his personal data P, studied at National Taiwan University from 2006 to 2010, and worked at TSMC from 2010 to 2012; the
獲得第二年齡距離權重加總WSd2之方式進一步包含:處理單元110根據每一事件年齡經操作以計算並獲得對應之一容許事件年齡區間。容許事件年齡區間的計算方式為事件年齡加上一容許值而獲得。容許值為預先定義並儲存於電子裝置100的儲存單元140,亦可視設計需求進行修改。例如,判決資料310中的判決法院欄位313為台北地方法院,判決日期314為民國98年8月7日。根據第一事件年齡19~23加入預定之容許值『2』獲得第一容許事件年齡區間17~25,根據第二事件年齡23~25加入預定之一容許值『2』獲得第二容許事件年齡區間21~27;亦即,判定被徵信人於17~25歲期間經常在台灣大學附近活動,於23~25歲期間經常在台積電附近活動。The method of obtaining the second age distance weight and total WSd2 further includes: the
處理單元110接著經操作以計算每一事件地點與判決法院地點之距離並獲得對應之一事件距離, 並根據每一事件距離經操作以獲得對應之一第二年齡距離權重;處理單元110接著經操作以計算每該第二年齡距離權重之加總而獲得該第二年齡距離權重加總。The
於一實施例中,可根據每一事件距離藉由查表(例如第二年齡距離權重對應表)獲得對應之第二年齡距離權重Wd2。於一實施例中,第二年齡距離權重對應表為預先定義並儲存於儲存單元140,亦可視設計需求進行修改。舉例而言,第一事件距離為學校距離4公里,藉由查詢第二年齡距離權重對應表得到第二年齡距離權重Wd2_1=1;第二事件距離為公司距離50公里,藉由查詢第二年齡距離權重對應表得到第二年齡距離權重Wd2_2=0;進一步計算第二年齡距離權重加總WSd2=Wd2_1+ Wd2_2=1+0=1。此實施例以事件距離為一學校距離及一公司距離為例,但不以此為限;於其他實施例中,亦可包含更多的學校距離(例如:國小距離、國中距離、高中距離、大學距離…)、更多的公司距離(例如:第一公司距離、第二公司距離…)、或其他事件地點對應之事件距離。In one embodiment, the corresponding second age distance weight Wd2 can be obtained by looking up a table (for example, the second age distance weight correspondence table) according to the distance of each event. In one embodiment, the second age distance weight correspondence table is predefined and stored in the
獲得第一年齡距離權重加總WSd1與第二年齡距離權重加總WSd2後,處理單元110接著計算第一年齡距離權重加總WSd1與第二年齡距離權重加總WSd2之加總以獲得年齡距離權重加總WSd。亦即,年齡距離權重加總WSd=第一年齡距離權重加總WSd1+第二年齡距離權重加總WSd2=4+1=5。After obtaining the first age distance weight sum WSd1 and the second age distance weight sum WSd2, the
圖13為根據本發明一實施例所繪示的常見姓名列表450之示意圖。處理單元110經操作以取得姓名資料並定義常見姓名列表450,常見姓名列表450包含複數個常見姓名451與每一常見姓名451所對應之姓名常見度指標a,如圖13所示。於一較佳實施例,姓名資料包含大學榜單、姓名統計資料或其組合。於一較佳實施例,處理單元110取得姓名資料後經統計及排序以定義常見姓名列表450,並儲存於儲存單元140。於另一實施例,常見姓名列表450為預先處理並儲存於儲存單元140。FIG. 13 is a schematic diagram of a
獲得常見姓名權重Wn之方式如下:處理單元110經操作以比對被徵信人姓名Pn是否為常見姓名451其中之一,若是則進一步查詢常見姓名451對應之姓名常見度指標a,以及處理單元110經操作以對姓名常見度指標a進行計算以獲得常見姓名權重Wn。最不常見的姓名之姓名常見度指標a=0,愈常見的姓名之姓名常見度指標a愈大;於圖13之實施例中,被徵信人姓名Pn之姓名常見度指標為80%,故為相對常見之姓名。The way to obtain the common name weight Wn is as follows: the
姓名常見度指標a之計算進一步包含:處理單元110經操作以根據一姓名權重計算式對姓名常見度指標a進行計算以獲得常見姓名權重Wn。於一較佳實施例,姓名權重計算式為:Wn=1/(1+a*b) ,其中Wn為常見姓名權重,a為姓名常見度指標,b為一自訂係數。自訂係數b用來調節姓名常見度指標a對常見姓名權重Wn的敏感程度,可由系統使用者決定。以圖13為例,被徵信人姓名Pn所對應之姓名常見度指標a=0.8,自訂係數b=0.3125,由姓名權重計算式Wn=1/(1+a*b)獲得圖4之常見姓名權重Wn=0.8。於另一實施例,可用一任意遞減函數做為姓名權重計算式,將姓名常見度指標a轉換為常見姓名權重Wn。於又一實施例,可以其他數學式做為姓名權重計算式,將姓名常見度指標a轉換為常見姓名權重Wn。The calculation of the name commonness index a further includes: the
圖14為根據本發明一實施例所繪示的判斷被徵信人是否相關之流程圖。判斷被徵信人是否相關之流程包含:(S1) 以電子裝置100的輸入單元120接收被徵信人的個人資料P,個人資料P至少包含被徵信人姓名Pn;(S2) 由資料來源取得包含被徵信人姓名Pn的至少一法律相關文件310並儲存於電子裝置100的儲存單元140;以及 (S3) 以電子裝置100的處理單元110計算法律相關文件310所包含的被徵信人姓名Pn所對應之自然人為該被徵信人的相關性指標Ir,(S4) 若相關性指標Ir大於相關門檻值Tr,則 (S5) 判斷被徵信人為相關,並顯示判斷結果135於該電子裝置100的顯示單元130。圖14之S1~S5各步驟為圖1~4所對應之流程,詳細內容請參閱圖1~4所對應各段落之說明。FIG. 14 is a flowchart of judging whether the creditee is related according to an embodiment of the present invention. The process of judging whether the creditee is relevant includes: (S1) receiving the personal data P of the creditee by the
圖15為根據本發明一實施例所繪示的計算相關性指標Ir之流程圖。計算相關性指標Ir之流程進一步包含:(S31) 以處理單元110分析法律相關文件310並獲得至少一相關性因子Fr;(S32) 以處理單元110指派每一相關性因子Fr所對應之一相關性權重W;(S33) 以處理單元110計算並獲得一年齡距離權重加總WSd ;(S34) 以處理單元110計算並獲得一常見姓名權重Wn,(S35) 以處理單元110對所有相關性權重W進行計算並獲得一相關性權重加總,(S36) 以處理單元110計算相關性權重加總與年齡距離權重加總WSd之加總以獲得一權重加總,以及(S37) 計算權重加總與常見姓名權重Wn之乘積以(S38) 獲得相關性指標Ir。圖15之S31~S38各步驟為圖5~13所對應之流程,詳細內容請參閱圖5~13所對應各段落之說明。FIG. 15 is a flowchart of calculating the correlation index Ir according to an embodiment of the present invention. The process of calculating the correlation index Ir further includes: (S31) using the
本發明已由上述相關實施例加以描述,然而上述實施例僅為實施本發明之範例。必需指出的是,已揭露之實施例並未限制本發明之範圍。相反地,包含於申請專利範圍之精神及範圍之修改及均等設置均包含於本發明之範圍內。The present invention has been described in the above-mentioned related embodiments, but the above-mentioned embodiments are only examples for implementing the present invention. It must be pointed out that the disclosed embodiments do not limit the scope of the present invention. On the contrary, modifications and equivalent arrangements included in the spirit and scope of the patent application are all included in the scope of the present invention.
100:電子裝置 110:處理單元 120:輸入單元 130:顯示單元 135:判斷結果 140:儲存單元 Ir:相關性指標 Tr:相關門檻值 Fr:相關性因子 Fr1:角色因子 Fr2:相關人因子 Fr3:活動距離因子 Fr4:年齡因子 W :相關性權重 W1:角色權重 W2:相關人權重 W3:活動距離權重 W4:年齡權重 Wn:常見姓名權重 P:個人資料 Pn:被徵信人姓名 Pd:出生日期 Pa:經常活動地點 Pa1:住家地點 Pa2:工作地點 Pr:親友姓名 Pr1:親屬姓名 Pr2:朋友姓名 310:法律相關文件 311:被告欄位 312:姓名 313:判決法院欄位 314:判決日期 410:代表角色 420:負面角色列表 421:負面角色 430:角色列表 431:角色種類 440:親友列表 450:常見姓名列表 451:常見姓名 a:姓名常見度指標 b:自訂係數 S1~S4:步驟 S31~S34:步驟100: electronic device 110: processing unit 120: input unit 130: display unit 135: Judgment result 140: storage unit Ir: correlation index Tr: relevant threshold Fr: Correlation factor Fr1: role factor Fr2: related person factor Fr3: Activity distance factor Fr4: age factor W: relevance weight W1: role weight W2: Relevant human rights W3: Activity distance weight W4: age weight Wn: common name weight P: personal information Pn: Name of the person being credited Pd: date of birth Pa: frequent event location Pa1: Home location Pa2: Work location Pr: name of relatives and friends Pr1: name of relative Pr2: Friend's name 310: Legal documents 311: Defendant column 312: Name 313: Judgment Court Field 314: Judgment Date 410: Representative role 420: List of Negative Characters 421: Negative Character 430: Character List 431: Character Type 440: list of relatives and friends 450: List of common names 451: common name a: Name commonness index b: Custom coefficient S1~S4: steps S31~S34: steps
本發明所附圖式說明如下: 圖1為根據本發明一實施例所繪示的電子裝置之示意圖; 圖2為根據本發明一實施例所繪示的電子裝置與輸入被徵信人的個人資料之示意圖; 圖3為根據本發明一實施例所繪示的電子裝置與顯示判斷結果之示意圖; 圖4為根據本發明一實施例所繪示的相關性因子與所對應之相關性權重及相關性指標之示意圖; 圖5為根據本發明一實施例所繪示的負面角色列表之示意圖; 圖6為根據本發明一實施例所繪示的法律相關文件與代表角色之示意圖; 圖7為根據本發明一實施例所繪示的角色列表之示意圖; 圖8為根據本發明一實施例所繪示的法律相關文件與角色種類之示意圖; 圖9為根據本發明一實施例所繪示的親友列表之示意圖; 圖10為根據本發明一實施例所繪示的法律相關文件與姓名之示意圖; 圖11為根據本發明一實施例所繪示的法律相關文件與判決日期之示意圖; 圖12為根據本發明一實施例所繪示的法律相關文件與判決法院欄位及姓名之示意圖; 圖13為根據本發明一實施例所繪示的常見姓名列表之示意圖; 圖14為根據本發明一實施例所繪示的判斷被徵信人是否相關之流程圖;以及 圖15為根據本發明一實施例所繪示的計算相關性指標之流程圖。The drawings of the present invention are described as follows: FIG. 1 is a schematic diagram of an electronic device according to an embodiment of the present invention; 2 is a schematic diagram of an electronic device and inputting personal information of a creditee according to an embodiment of the present invention; 3 is a schematic diagram of an electronic device and displaying a judgment result according to an embodiment of the present invention; 4 is a schematic diagram of the correlation factor and the corresponding correlation weight and correlation index drawn according to an embodiment of the present invention; FIG. 5 is a schematic diagram of a negative character list drawn according to an embodiment of the present invention; 6 is a schematic diagram of legal documents and representative roles drawn according to an embodiment of the present invention; FIG. 7 is a schematic diagram of a role list drawn according to an embodiment of the present invention; FIG. 8 is a schematic diagram of legal-related documents and character types according to an embodiment of the present invention; 9 is a schematic diagram of a list of relatives and friends drawn according to an embodiment of the present invention; 10 is a schematic diagram of legal documents and names drawn according to an embodiment of the present invention; 11 is a schematic diagram of legal documents and judgment dates according to an embodiment of the present invention; FIG. 12 is a schematic diagram of legal documents and judgment court fields and names drawn according to an embodiment of the present invention; FIG. 13 is a schematic diagram of a common name list drawn according to an embodiment of the present invention; FIG. 14 is a flowchart of judging whether the creditee is related according to an embodiment of the present invention; and FIG. 15 is a flowchart of calculating a correlation index according to an embodiment of the invention.
S1~S5:步驟S1~S5: steps
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