JP2018045572A - Determination device, determination method, and determination program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a flexible financial service.SOLUTION: A determination device includes an acquisition unit and a determination unit. The acquisition unit obtains the action history of a user on a network. The determination unit determines contents of a predetermined financial service which will be provided to the user in the future, on the basis of the action history obtained by the acquisition unit. In addition, the determination device includes: an estimation unit that estimates an event which can occur for the user in the future, on the basis of the action history obtained by the acquisition unit. The determination unit determines the contents of the predetermined financial service which will be provided to the user in the future, on the basis of the event estimated by the estimation unit.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a determination device, a determination method, and a determination program.

  In recent years, with the development of communication networks, various services are provided via networks. Examples of services via a network include financial services such as loans to companies and individuals, and issuance of credit cards.

  For example, as a technique related to a financial service via a network, a system is known in which loan conditions are determined based on store operation result data including accumulation of the latest data generated with store operation.

JP 2014-182572 A

  However, with the above-described conventional technology, it may be difficult to realize a flexible financial service. Specifically, the above-described conventional technology determines the loan conditions based on performance data associated with the operation of the store, for example, when an individual requests a capital increase of the loan amount due to temporary purchase behavior, etc. In some cases, the above technique cannot be applied.

  The present application has been made in view of the above, and an object thereof is to provide a determination device, a determination method, and a determination program capable of realizing a flexible financial service.

  The determination apparatus according to the present application is provided to the user in the future based on an acquisition unit that acquires an action history on the user's network and an action history on the user's network acquired by the acquisition unit. And a determination unit for determining the content of the predetermined financial service.

  According to one aspect of the embodiment, there is an effect that a flexible financial service can be realized.

FIG. 1 is a diagram illustrating an example of a determination process according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the determination system according to the embodiment. FIG. 3 is a diagram illustrating a configuration example of the determination apparatus according to the embodiment. FIG. 4 is a diagram illustrating an example of a user information storage unit according to the embodiment. FIG. 5 is a diagram illustrating an example of a search information table according to the embodiment. FIG. 6 is a diagram illustrating an example of the site information table according to the embodiment. FIG. 7 is a diagram illustrating an example of the estimated information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of a notification information storage unit according to the embodiment. FIG. 9 is a flowchart illustrating a processing procedure according to the embodiment. FIG. 10 is a hardware configuration diagram illustrating an example of a computer that realizes the function of the determination apparatus.

  Hereinafter, modes for carrying out a determination apparatus, a determination method, and a determination program according to the present application (hereinafter referred to as “embodiments”) will be described in detail with reference to the drawings. Note that the determination device, the determination method, and the determination program according to the present application are not limited by this embodiment. In addition, the embodiments can be appropriately combined within a range that does not contradict processing contents. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

[1. Example of determination processing according to embodiment]
First, an example of the determination process according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a determination process according to the embodiment. FIG. 1 illustrates an example of processing in which the determination apparatus 100 determines the content of a predetermined financial service provided to the user.

  The estimation apparatus 100 shown in FIG. 1 estimates an event that may occur in the future based on an action history on the user's network, and a predetermined financial service provided to the user based on the estimated event. It is a server apparatus which performs the process which determines the content of.

  A user terminal 10 shown in FIG. 1 is an information processing terminal used by a user U01. For example, the user terminal 10 is realized by a smartphone, a tablet terminal, or the like. In the following description, the user terminal may be described as a user. For example, when “user U01 transmits predetermined information to determination apparatus 100” is described, it may mean “user terminal 10 that follows operation of user U01 transmits predetermined information to determination apparatus 100”. .

  In the embodiment, the determination apparatus 100 acquires network information from the user terminal 10. The network information is a general term for information generated via the network, and includes, for example, an action history on the network of the user U01. The action history on the network of the user U01 is, for example, an operation history performed by the user U01 on the Internet. Specifically, the action history on the network refers to a history of search queries transmitted by the user U01 in the search service, and browsing of a predetermined service page (for example, a web page or a display screen of an information providing application) by the user U01. A history, a history of posting an article or an image to an SNS (Social Networking Service) used by the user U01, and the like are included.

  And the determination apparatus 100 estimates the event which may occur in the user U01 in the future based on the acquired network information. Here, the event is an event that may be angry with respect to the user U01, and may include any event that is expected to occur in the future with respect to the user U01. As an example, the determination apparatus 100 may determine an event related to a life stage such as the marriage or divorce of the user U01, childbirth, bereavement with a parent, an event that the user U01 goes on a domestic trip or an overseas trip, or a predetermined product. Estimate the event of purchasing. And the determination apparatus 100 determines the content of the financial service provided with respect to the user U01, after estimating the event which may occur to the user U01 in the future.

  For example, it is assumed that the user U01 is refraining from getting married. In this case, it is assumed that the user U01 will incur various expenses, such as reservations for wedding halls, purchase of products necessary for a new life, and purchase of wedding rings, as compared with normal times. In such a case, the user U01 may desire to receive a predetermined financial service such as, for example, receiving a loan from a financial institution or raising a limit of a credit card that is normally used. .

  However, it may take some time for financial institutions to review loan applications. In addition, it may take time for the examination to raise the credit card limit, and the work of applying itself may be a burden on the user. For example, when a user tries to use a credit card in online shopping or the like, the user may be notified that the usage has reached the limit on the spot. In such a case, for example, the user has to leave the payment screen in the internet shopping and move to a new credit card company site.

  If a business such as a financial institution can estimate a possible event for a user, it can provide a service according to the user's situation. For example, if a company that issues a credit card can estimate that the user is refraining from marrying, the company issues a notice in advance prompting the user to apply for an increase in the credit card limit, or the credit card limit on the business side It is possible to provide the user with a predetermined financial service such as raising the price. However, if there is no offer from the user, it is difficult for the business side to estimate the event that occurs for each user, and it is difficult to determine what financial service should be provided.

  Therefore, the determination apparatus 100 estimates an event that can occur to the user based on the network information acquired from the user. And the determination apparatus 100 determines the content of the predetermined financial service provided with respect to a user based on the estimated event. Thereby, the determination apparatus 100 can perform processing such as raising the credit card limit before receiving an offer from the user. Hereinafter, this determination process will be described along the flow with reference to FIG.

  In the example illustrated in FIG. 1, the determination apparatus 100 acquires network information from the user terminal 10 (step S01). For example, the determination apparatus 100 acquires an action history on the network of the user U01 who uses the user terminal 10.

  And the determination apparatus 100 estimates the event which may occur in the user U01 in the future based on the acquired network information, for example, the action history on the network of the user U01 (step S02).

  For example, the determination apparatus 100 estimates an event that may occur to the user U01 from information related to the search query when the user U01 uses the search service. Specifically, the determination apparatus 100 is based on whether the term transmitted to the search server as a search query relates to an event related to the life stage of the user U01, an event related to travel, an event related to high-price payment, or the like. Thus, an event that can occur in the user U01 is estimated.

  More specifically, the determination apparatus 100 has a history that the user U01 has input “overseas travel”, “wedding” or the like as a search query, or “overseas travel” or “wedding” as a search query within a predetermined period. Get the frequency of input. Then, the determination apparatus 100 detects an event that may occur to the user U01 based on, for example, that a preset term is used as a search query, or that a predetermined term is used beyond a preset threshold. presume. For example, the determination apparatus 100 stores information related to an event associated with a search query in advance, and when a certain search query is observed exceeding a predetermined threshold, an event corresponding to the search query is displayed as the user U01. It is estimated that it can happen.

  Alternatively, the determination apparatus 100 estimates an event that can occur in the user U01 from the history of the user U01 browsing a web page or the like. Specifically, the determination apparatus 100 is based on whether the web page or the like that the user U01 was browsing relates to an event related to the life stage of the user U01, an event related to travel, an event related to high-price payment, or the like. Thus, an event that can occur in the user U01 is estimated.

  More specifically, the determination apparatus 100 acquires a history that the user U01 has browsed an overseas travel reservation site or a history that has browsed a shopping site that handles wedding rings. And the determination apparatus 100 respond | corresponds with these sites, when the history which the user U01 browsed the overseas travel reservation site and the history which browsed the shopping site which handles a wedding ring exceed a predetermined threshold value. It is estimated that the attached event can occur for the user U01.

  In the above estimation, the determination apparatus 100 learns, as correct data, past behavior histories of users actually traveling abroad, past behavior histories of users who actually performed weddings, and the like. A criterion for estimation may be provided.

  Furthermore, the determination apparatus 100 determines the content of the financial service provided to the user U01 based on the estimated event (step S03). The content of the financial service provided to the user U01 is, for example, a financial service set in association with an event estimated in advance, and the content of the financial service that is expected to be useful when an event occurs in the user U01. It is.

  For example, the determination apparatus 100 stores in advance information in which an event “overseas travel” is associated with financial services such as “increase in credit card usage limit” and “overseas travel insurance contract”. . Then, when it is estimated that an event “overseas travel” will occur in the user U01 in the future, the determination apparatus 100 determines that the financial service as described above is a financial service provided to the user U01.

  In addition, the determination apparatus 100 supports financial services such as “increase of credit card usage limit”, “issue of new credit card”, and “issue of new bank account” for the event “wedding”. The attached information is stored in advance. Then, when it is estimated that an event “wedding” will occur in the user U01 in the future, the determination apparatus 100 determines that the financial service as described above is a financial service provided to the user U01.

  Furthermore, the determination apparatus 100 notifies the user U01 of the determined contents of the financial service (step S04). For example, the determination apparatus 100 notifies the user U01 of the content of the determined financial service as the content 50 displayed on the service page or the like being browsed by the user. Specifically, the determination apparatus 100 notifies the user U01 of the content of the determined financial service in the form of a banner advertisement or recommendation displayed on the page of the overseas travel reservation site being browsed by the user.

  In the example shown in FIG. 1, the content 50 is an aspect of a banner advertisement displayed on a part of the page of the overseas travel reservation site. For example, the user U01 can control whether or not to accept the financial service to the determination apparatus 100 by selecting (clicking or touching) the content 50. For example, the content 50 is assumed to have a link attached to a service page provided by the determination apparatus 100. Then, the user U01 can transmit a determination such as accepting an increase in the credit card limit to the determination apparatus 100 via the service page linked to the content 50.

  Thus, the determination apparatus 100 according to the embodiment acquires an action history on the network of the user U01. And the determination apparatus 100 estimates the event which may occur in the user U01 in the future based on the acquired action history. Furthermore, the determination apparatus 100 determines the content of a predetermined financial service that will be provided to the user U01 in the future based on the estimated event.

  That is, the determination apparatus 100 according to the embodiment determines the content of the financial service that is assumed to be useful for the user U01 in the future based on the action history on the network of the user U01 at the current time. Thereby, the determination apparatus 100 can provide a financial service in advance by estimating a situation where the user U01 needs a high expense for some event. Further, the determination apparatus 100 can realize a flexible financial service such as providing a financial service suitable for the user U01 without waiting for an offer from the user U01.

  In the example of FIG. 1, the determination apparatus 100 indicates that the network information is acquired from the user terminal 10. For example, the determination apparatus 100 may acquire network information by crawling the user terminal 10 at predetermined time intervals. Further, the determination apparatus 100 may continuously acquire network information via a program (for example, a smartphone-dedicated application) installed in the user terminal 10.

[2. (Configuration of judgment system)
Next, the configuration of the determination system 1 including the determination apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the determination system 1 according to the embodiment. As illustrated in FIG. 2, the determination system 1 according to the embodiment includes a user terminal 10, a web server 30, and a determination device 100. These various devices are communicably connected via a network N by wire or wireless. Further, the number of devices included in the determination system 1 illustrated in FIG. 2 is not limited to that illustrated. For example, the determination system 1 may include a plurality of user terminals 10 and the web server 30.

  As described above, the user terminal 10 is an information processing terminal such as a mobile phone including a smartphone, a tablet terminal, a desktop PC (Personal Computer), a notebook PC, or a PDA (Personal Digital Assistant). The user terminal 10 also includes a wearable device that is a glasses-type or watch-type information processing terminal. Furthermore, the user terminal 10 may include various smart devices having an information processing function for transmitting network information to the determination apparatus 100. For example, the user terminal 10 may include a smart home appliance such as a TV (television), a refrigerator, and a vacuum cleaner, a smart vehicle such as an automobile, a drone, and a home robot.

  The web server 30 is a web server that notifies a service page such as a web page. For example, the web server 30 is a portal site, news site, auction site, weather forecast site, shopping site, finance (stock price) site, route search site, map providing site, travel site, restaurant introduction site, SNS site, web blog. The user terminal 10 is notified of a web page including various information related to the above.

  The web page distributed by the web server 30 is formed by, for example, an HTML file described in HTML, an XML file described in XML (Extensible Markup Language), or the like. The web page distributed by the web server 30 may include a content (advertisement) acquisition command. For example, in an HTML file or the like forming a web page, a URL of a predetermined advertisement server is described as an advertisement acquisition command. In this case, the user terminal 10 acquires advertisement content from a predetermined advertisement server by accessing a URL described in an HTML file or the like. In the embodiment, it is assumed that the determination apparatus 100 performs content distribution processing corresponding to the advertisement server.

  As described above, the determination device 100 estimates an event that may occur in the future based on an action history on the user's network, and a predetermined financial service provided to the user based on the estimated event. It is the server apparatus which judges the contents of.

[3. Configuration of determination apparatus according to embodiment]
Next, the configuration of the determination apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating a configuration example of the determination apparatus 100 according to the embodiment. As illustrated in FIG. 3, the determination apparatus 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The determination device 100 includes an input unit (for example, a keyboard and a mouse) that receives various operations from an administrator who uses the determination device 100, and a display unit (for example, a liquid crystal display) that displays various types of information. You may have.

(About the communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N in a wired or wireless manner, and transmits / receives information to / from the user terminal 10 and the web server 30 via the network N.

(About the storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. As illustrated in FIG. 3, the storage unit 120 includes a user information storage unit 121, a network information storage unit 122, an estimated information storage unit 125, and a notification information storage unit 126.

(User information storage unit 121)
The user information storage unit 121 stores information about the user. Here, FIG. 4 shows an example of the user information storage unit 121 according to the embodiment. FIG. 4 is a diagram illustrating an example of the user information storage unit 121 according to the embodiment. In the example illustrated in FIG. 4, the user information storage unit 121 includes items such as “user ID”, “history data ID”, and “credit data”.

  “User ID” indicates identification information for identifying a user. “History data ID” indicates identification information for identifying data of a user's behavior history among network information acquired from the user. For example, the history data is data indicating an action history on the user's network, such as a user's search history and a web page browsing history, and is a data summarizing individual action histories stored in the network information storage unit 122 described later. It is. In the embodiment, it is assumed that the identification information matches a reference symbol used for description. For example, the user identified by the user ID “U01” indicates the user U01.

  “Credit rating data” indicates the credit rating of the user U01. For example, the credit rating is used to determine the contents of a financial service provided to the user. For example, the higher the creditworthiness of the user, the greater the amount that can be financed or the higher the credit card limit. In the example shown in FIG. 4, the credit quality is represented by a concept such as “B01”. Actually, the credit quality items include whether there is a delay in the repayment of the loan, the credit card up to the present time, and so on. History information such as the amount of use, credit card payment delay, etc., and an index value of the user's individual credit rating calculated from the history information may be stored.

  That is, in the example of FIG. 4, the user U01 identified by the user ID “U01” has the history data A01 identified by the history data ID “A01”, and the credit rating of the user U01 is “B01”. Show.

(About the network information storage unit 122)
The network information storage unit 122 stores user network information. The network information storage unit 122 includes a search information table 123 and a site information table 124 as data tables.

(Regarding the search information table 123)
The search information table 123 stores search information such as a search query history in the user's behavior history. Here, FIG. 5 shows an example of the search information table 123 according to the embodiment. FIG. 5 is a diagram illustrating an example of the search information table 123 according to the embodiment. As shown in FIG. 5, the search information table 123 includes items such as “user ID”, “search date / time”, and “search query”.

  “User ID” is the same as the item shown in FIG. “Search date and time” indicates the date and time when the search query is transmitted to the search server that provides the search service. “Search query” indicates a query transmitted by the user to the search service.

  Although not shown in FIG. 4, the search query items may store the number and frequency of the same query transmitted in a predetermined period, the ranking of queries transmitted by the same user, and the like. . In addition to the query itself, the category or genre to which the query belongs may be stored in the search query item.

  That is, in the example of FIG. 5, the user U01 indicates that the search date “October 5, 2016 10:00: 00” has a history of transmitting a query “overseas travel” as a search query. . In addition, the user U01 indicates that there is a history of transmitting a query combining “France” and “travel” as a search query at the search date “October 5, 2016 10:02:00”.

(About the site information table 124)
The site information table 124 stores information on service pages (for example, websites) browsed by the user. Here, FIG. 6 shows an example of the site information table 124 according to the embodiment. FIG. 6 is a diagram illustrating an example of the site information table 124 according to the embodiment. As shown in FIG. 6, the site information table 124 includes items such as “user ID” and “site browsing history”.

  “User ID” is the same as the item shown in FIG. “Site browsing history” indicates a service page (web site) browsed by a user. Although illustration in FIG. 6 is omitted, the site browsing history items include the date and time when the user browsed the website, the length of time spent on the website, the category and genre to which the content posted on the website belongs, Information related to website browsing links, such as website browsing frequency, referer, etc., may be included. Further, the site browsing history may include a user's behavior history (purchasing history, transaction history, etc.) at a predetermined shopping site or auction site.

  That is, in the example of FIG. 6, the user U01 has a history of browsing “travel reservation site”, “marriage information site”, “wedding hall site”, and “jewelry store site” as the site browsing history. Is shown.

(About the estimated information storage unit 125)
The estimated information storage unit 125 stores information related to the determination process performed by the determination apparatus 100. Here, FIG. 7 illustrates an example of the estimated information storage unit 125 according to the embodiment. FIG. 7 is a diagram illustrating an example of the estimated information storage unit 125 according to the embodiment. As illustrated in FIG. 7, the estimated information storage unit 125 includes items such as “estimated information ID”, “estimated event”, “service”, “search query data”, and “browsing site data”.

  “Estimated information ID” indicates identification information for identifying estimated information. The “estimated event” indicates an event that is estimated to occur to the user in the future. “Service” indicates the content of the financial service associated with the estimated event.

  “Search query data” indicates data of a search query used for estimating an event. For example, the determination apparatus 100 selects an event set in the item of the estimated event as an event that may occur to the user when a predetermined ratio of matches is detected between the history related to the user's search query and the search query data. presume.

  “Browsing site data” indicates browsing site data used to estimate an event. For example, the determination device 100 estimates an event set in the estimated event item as an event that may occur to the user when a predetermined ratio of coincidence is detected between the user's browsing history and the browsing site data. .

  In the example shown in FIG. 7, specific examples such as “overseas travel” and “travel reservation site” are shown in the items of search query data and browsing site data. And the browsing site data item may store the search query, the category or genre to which the browsing site belongs, and how much a certain search query was transmitted within a predetermined period (for example, one week). May be stored. That is, in the items of search query data and browsing site data, any information can be used as long as it is information used to estimate an event that can occur to the user and can be collated with an action history on the user's network. Information may be stored.

  That is, in the example of FIG. 7, the estimation information E01 identified by the estimation information ID “E01” indicates that the estimation event is “overseas travel” and the associated financial service is “limit increase”. Show. Further, in the estimation information E01, the information used for estimating the event is that the search query data is “overseas travel”, “reservation”, “country name”, and the browsing site data is “travel reservation site”, “by country” "Information site".

(Notification information storage unit 126)
The notification information storage unit 126 stores information notified to the user regarding the financial service. Here, FIG. 8 illustrates an example of the notification information storage unit 126 according to the embodiment. FIG. 8 is a diagram illustrating an example of the notification information storage unit 126 according to the embodiment. As illustrated in FIG. 8, the notification information storage unit 126 includes items such as “notification information ID”, “notification information”, “content”, and “type”.

  “Notification information ID” indicates identification information for identifying information (content) notified to the user. “Notification information” indicates specific information of information notified to the user. “Content” indicates the content of the financial service related to the information notified to the user. “Type” indicates a type of a form in which information is notified (distributed). For example, the type includes a form as an advertisement (for example, a banner advertisement on a web page) delivered to an advertising space displayed when the user terminal 10 displays a web page or application, a push notification, or an email notification The form and recommendations of shopping sites are included.

  That is, in FIG. 8, the notification information identified by the notification information ID “F01” is related to “card limit increase”, and the notification type is “banner advertisement”. ing.

(About the control unit 130)
The control unit 130 is, for example, a controller, and includes various programs (an example of a determination program) stored in a storage device inside the determination apparatus 100 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. This is realized by executing RAM (Random Access Memory) as a work area. The control unit 130 is a controller, and is realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  As illustrated in FIG. 3, the control unit 130 includes an acquisition unit 131, an estimation unit 132, a determination unit 133, a notification unit 134, and a reception unit 135, and functions and operations of information processing described below. Realize or execute. Note that the internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 3, and may be another configuration as long as the information processing described below is performed. Further, the connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship illustrated in FIG. 3, and may be another connection relationship.

(About the acquisition unit 131)
The acquisition unit 131 acquires various types of information. For example, the acquisition unit 131 acquires network information from the user terminal 10. Specifically, the acquisition unit 131 acquires attribute information of a user who uses the user terminal 10, an action history on the user's network, and the like.

  For example, the acquisition unit 131 acquires information related to a search query transmitted by the user to the search service as an action history on the network. The acquisition unit 131 may acquire the similarity of lexical information indicated by the transmitted search query, the category and genre to which the search query belongs, the frequency of the transmitted search query, and the like. In other words, the acquisition unit 131 may acquire information indicating a tendency such as what search query the user frequently transmits. In other words, the acquisition unit 131 acquires information related to the user's interest from the search query transmission history.

  The acquisition unit 131 acquires a browsing history of a predetermined service page as an action history on the network. The acquisition unit 131 acquires a history for each category of website (for example, a news site, a shopping site, a stock information site, etc.), and tends to determine what category of site the user frequently browses. The information shown may be acquired. In other words, the acquisition unit 131 acquires information related to the user's interest from the browsing history of the website.

  Here, the acquisition unit 131 may acquire an action history related to at least one of an event related to the user's life stage, an event related to travel, and an event related to high-value payment among the action history on the network. For example, the acquisition unit 131 is information on events that occur when the user's life stage changes, such as marriage, childbirth, or moving, or events that generate a larger payment amount than usual, such as overseas travel or purchase of expensive products. To get.

  Moreover, the acquisition part 131 acquires the user's creditworthiness regarding a predetermined financial service. For example, the acquisition unit 131 acquires the presence or absence of a repayment delay for a past user loan, a credit card usage history, and the like. The acquisition unit 131 may acquire the user's credit rating from an external organization. For example, the acquisition unit 131 may acquire information on the creditworthiness of the user from a financial institution where the user has received a loan, a company that manages a credit card used by the user, or the like.

  The acquisition unit 131 stores the acquired information in each storage unit. For example, the acquisition unit 131 stores an action history on the network of the user in the network information storage unit 122.

(About the estimation unit 132)
The estimation unit 132 estimates an event that may occur to the user in the future based on the behavior history acquired by the acquisition unit 131. For example, the estimation unit 132 may ask the user in the future based on an action history related to at least one of an event related to a life stage, an event related to travel, and an event related to high-value payment among the action history acquired by the acquisition unit 131. Estimate possible events.

  Specifically, the estimation unit 132 estimates an event that may occur to the user in the future based on information related to the search query acquired by the acquisition unit 131. That is, the estimation unit 132 estimates an event that can occur to the user based on the interest of the user indicated in the search query.

  The estimation unit 132 may estimate an event that may occur in the future in the future based on the browsing history of a predetermined service page acquired by the acquisition unit 131. Also in such a case, the estimation unit 132 estimates an event that may occur to the user based on the interest of the user indicated in the browsing history.

  The estimation unit 132 may use information obtained by variously analyzing the user's behavior history when estimating the event. That is, the estimation unit 132 is not limited to specific terms and site information shown in the user's search query and browsing history, but the frequency of information transmitted by the user in a predetermined period, the information to be transmitted, the category and genre of the site, It happens to users based on various information such as information and site transitions sent by users, combinations of information and sites sent by users, and behavior history of other users (eg family members and friends) who have a relationship with the user. Estimate the event to get.

  For example, the estimation unit 132 estimates an event that can occur to the user based on estimation information set in advance by an administrator of the determination apparatus 100 or the like. The estimation unit 132 may appropriately update information stored in the estimation information storage unit 125 to estimate an event that may occur to the user.

(About the determination unit 133)
The determination unit 133 determines the content of a predetermined financial service to be provided to the user in the future based on the behavior history on the user network acquired by the acquisition unit 131.

  For example, the determination unit 133 determines the content of a predetermined financial service provided to the user based on the event estimated by the estimation unit 132. Specifically, the determination unit 133 specifies a service corresponding to the event estimated by the estimation unit 132 based on the information stored in the estimated information storage unit 125. Then, the determination unit 133 determines that the service associated with the event is the content of a predetermined financial service provided to the user.

  More specifically, the notification unit 134 provides at least one service, such as a credit card contract proposal, a loan proposal, a real estate contract proposal, or a financial investment proposal, to the user as a predetermined financial service. It is determined that the content of the predetermined financial service provided to the user.

  For example, as illustrated in FIG. 7, when the event estimated by the estimation unit 132 is “overseas travel”, the determination unit 133 is useful for a user to provide a financial service such as increasing the card limit. Judge that there is. And the determination part 133 determines with the raise of the limit of a card | curd being suitable as the content of the predetermined financial service provided with respect to a user. In addition, the determination unit 133 may provide users with various financial services such as proposals for loans such as automobile loans, real estate contracts, and increases in the amount of loans for real estate purchases. judge.

  The determination unit 133 may determine the contents of a predetermined financial service provided to the user according to the user's credit rating. For example, the determination unit 133 may determine the content such as the amount of capital increase for the user or the amount of increase in the card limit amount according to the user's credit rating. Alternatively, the determination unit 133 may determine contents such as not providing a predetermined financial service to the user when the user's reliability is lower than a predetermined threshold.

  Note that the determination unit 133 may control not only to determine the content of a predetermined financial service provided to the user, but also to execute the determined financial service. For example, when it is estimated that an event occurs such that the user purchases a product that requires high-price payment, the determination unit 133 automatically executes a service such as increasing the credit card limit of the user. You may control. Thereby, the determination part 133 can provide the service which a user desires, without waiting for a user's offer.

(About the notification unit 134)
The notification unit 134 notifies the user of various contents. Specifically, the notification unit 134 notifies the user of the content determined by the determination unit 133.

  For example, the notification unit 134 notifies the content determined by the determination unit 133 via a predetermined service page displayed on the user terminal 10 used by the user. Specifically, the notification unit 134 notifies the user whether or not the user accepts the predetermined financial service determined by the determination unit 133 in an answerable manner.

  More specifically, the notification unit 134 is an advertisement included in a part of the service page displayed on the user terminal 10, and the content describing the contents of the financial service is provided as an aspect having a link. Notice. In this case, the user can answer whether or not to accept a predetermined financial service to be provided to the user via the service page linked to the content. In addition, the notification unit 134, for example, provides the user terminal 10 with content that includes a button for obtaining an answer from the user, such as “raise” along with a message “Do you want to raise the card limit?” You may make it display on.

  Note that the notification unit 134 may notify the user that the predetermined financial service determined by the determination unit 133 has been executed. As described above, the determination unit 133 may control execution of a service such as automatically increasing the card limit based on an estimated event. In such a case, the notification unit 134 may notify the user of content (for example, push notification or email) indicating that the card limit has already been increased.

  Note that the notification unit 134 may notify the content via a predetermined distribution server without directly reporting the content from the determination apparatus 100 to the user terminal 10. In this case, the notification unit 134 causes the user terminal 10 to perform content notification by controlling a predetermined distribution server. Further, the content data notified by the notification unit 134 is not necessarily stored in the notification information storage unit 126, and may be stored in an external storage server. In this case, the notification unit 134 may identify content to be notified to the user terminal 10 based on the notification information ID, acquire data of the content from the storage server, and notify the acquired data to the user terminal 10.

(Receiver 135)
The receiving unit 135 receives various information. For example, the receiving unit 135 receives information transmitted from the user and related to the user's answer, such as whether or not to accept a predetermined financial service. The determination unit 133 may control whether or not a predetermined financial service is executed based on the information received by the reception unit 135.

[4. Processing Procedure According to Embodiment]
Next, a procedure of processing performed by the determination apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 9 is a flowchart illustrating a processing procedure according to the embodiment.

  As illustrated in FIG. 9, the acquisition unit 131 determines whether network information has been acquired from the user terminal 10 (step S101). If the acquisition unit 131 has not acquired network information (step S101; No), the acquisition unit 131 waits until acquisition.

  On the other hand, when the network information is acquired (step S101; Yes), the estimation unit 132 estimates an event that may occur to the user in the future based on the acquired network information (step S102).

  The determination unit 133 determines a financial service provided to the user based on the event estimated by the estimation unit 132 (step S103). And the determination part 133 determines the information (content) notified to a user based on a determination result (step S104). Subsequently, the notification unit 134 notifies information related to the service (step S105).

[5. (Modification)
The determination apparatus 100 described above may be implemented in various different forms other than the above embodiment. Therefore, in the following, a modification of the embodiment will be described.

[5-1. (Use of attribute information)
In the said embodiment, the determination apparatus 100 showed the example which estimates an event based on the action log | history on a user's network among network information. Here, the determination apparatus 100 may estimate an event using user attribute information in the network information. That is, the determination apparatus 100 may estimate an event that may occur in the future in the future using, for example, information such as the user's gender, age, place of residence, annual income, and the presence or absence of a spouse as attribute information. Thereby, since the determination apparatus 100 can narrow down in advance the types of events that can occur to the user based on the attribute information, the accuracy of the estimation process can be improved.

[5-2. Learning process)
In the above embodiment, the determination apparatus 100 may perform a predetermined learning process in the estimation process or the determination process. That is, the determination apparatus 100 acquires in advance action history of a plurality of users in which an arbitrary event has occurred as correct data, and learns action histories taken by the plurality of users before the event occurs. And the determination apparatus 100 produces | generates the model for predicting what kind of action history the user may have the said event. In this case, the determination apparatus 100 may include a storage unit for storing correct answer data and learning data, and a learning unit. Thereby, the determination apparatus 100 can further improve the accuracy of the estimation process and the determination process.

[5-3. Information about SNS]
In the above embodiment, the determination apparatus 100 has shown an example in which a search query and a browsing history are acquired as an action history on the user's network. That is, it has been described that the determination apparatus 100 performs an event estimation process based on information that can be used to estimate the user's interest and the like. Here, the determination device 100 may acquire information other than the search query and the browsing history and perform estimation processing and determination processing as long as it is information that can estimate the user's interest and the like.

  For example, the determination apparatus 100 acquires information regarding the SNS used by the user as an action history on the user's network. Specifically, the determination apparatus 100 determines the content of a relatively new article posted from the user to the SNS (for example, the content of an article displayed on the so-called timeline), the number of images posted from the user to the SNS, and the SNS. The number of users having a relationship (for example, the number of friends) is acquired.

  For example, the determination apparatus 100 acquires a tendency of words included in the text data of the latest article posted from the user to the SNS. Thereby, the determination apparatus 100 acquires information regarding an event that the user is interested in. Alternatively, the determination apparatus 100 determines the number of images posted to the SNS, the content of the images, and users who have a relationship on the SNS, that is, the number of users who have connections on the SNS (for example, the number of friends and the number of followers). get. Thereby, the determination apparatus 100 acquires information indicating what kind of daily life the user is living.

  And the determination apparatus 100 estimates the event which may occur in a user in the future based on the information regarding the acquired SNS. More specifically, the determination apparatus 100 estimates an event that may occur to the user in the future based on the content of an article posted from the user to the SNS. That is, the determination apparatus 100 can improve the accuracy of the estimation process by estimating events that can occur to the user from various angles using various information.

[5-4. (Image recognition)
Moreover, the determination apparatus 100 may perform a process based on the content recognized by the image recognition for an image uploaded by the user to the cloud, an image posted to the SNS, or the like as the user action history.

  For example, the determination apparatus 100 may estimate an event that can occur to the user based on the content itself indicated by the image. For example, the determination apparatus 100 may estimate an event that may occur to the user based on a person, a landscape, contents, a genre, a category, an image quality, or the like that is included in the image among images that the user has uploaded to the SNS. Good. Thereby, since the determination apparatus 100 can estimate an event that can occur to the user from various angles using various information, the accuracy of the estimation process can be improved.

[5-5. (Estimation process)
In the above embodiment, the determination apparatus 100 has been described with respect to an example in which an event that may occur to the user is estimated based on information stored in the estimated information storage unit 125 in advance. Here, the determination apparatus 100 may estimate an event that may occur to the user by combining various information transmitted from the user.

  For example, even if the search query acquired from the user does not include the word “travel”, if the search is performed with a combination of “country name + tourist destination”, an event of travel occurs for the user. It may be estimated that Further, the determination apparatus 100 may notify the user terminal 10 of event confirmation. For example, the determination apparatus 100 may deliver a content in which content such as “Would you like to increase the card limit if there is a travel plan?” To the user whose event is estimated.

[6. Others]
In addition, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily changed unless otherwise specified. For example, the various types of information illustrated in each drawing is not limited to the illustrated information.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured. For example, the estimation unit 132 and the determination unit 133 illustrated in FIG. 3 may be integrated. Further, for example, information stored in the storage unit 120 may be stored in a storage device provided outside via the network N.

  Further, for example, in the above-described embodiment, an example has been described in which the determination apparatus 100 performs an acquisition process for acquiring network information of the user terminal 10 and a determination process for determining a financial service. However, the determination apparatus 100 described above may be separated into an acquisition apparatus that performs an acquisition process and a determination apparatus that performs a determination process. In this case, the acquisition device has at least an acquisition unit 131. The determination device has at least a determination unit 133. In this case, the processing by the determination device 100 according to the embodiment is realized by the determination system 1 including each device such as an acquisition device and a determination device.

  In addition, the above-described embodiments and modifications can be combined as appropriate within a range that does not contradict processing contents.

[7. Hardware configuration)
The determination apparatus 100 and the user terminal 10 according to the above-described embodiments are realized by a computer 1000 having a configuration as illustrated in FIG. Hereinafter, the determination apparatus 100 will be described as an example. FIG. 10 is a hardware configuration diagram illustrating an example of a computer 1000 that implements the functions of the determination apparatus 100. The computer 1000 includes a CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 and controls each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores a program executed by the CPU 1100, data used by the program, and the like. The communication interface 1500 receives data from other devices via the communication network 500 (corresponding to the network N shown in FIG. 2) and sends the data to the CPU 1100. Send to device.

  The CPU 1100 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

  For example, when the computer 1000 functions as the determination apparatus 100 according to the embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the RAM 1200. The HDD 1400 stores data in the storage unit 120. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from other devices via the communication network 500.

[8. effect〕
As described above, the determination apparatus 100 according to the embodiment includes the acquisition unit 131, the determination unit 133, and the estimation unit 132. The acquisition unit 131 acquires an action history on the user's network. The estimation unit 132 estimates an event that may occur to the user in the future based on the behavior history acquired by the acquisition unit 131. The determination unit 133 determines the contents of a predetermined financial service provided to the user based on the event estimated by the estimation unit 132.

  As described above, the determination apparatus 100 according to the embodiment determines the contents of the financial service that is assumed to be useful in the future for the user based on the user's current behavior history on the network. Thereby, the determination apparatus 100 can provide a financial service in advance by estimating a situation where the user needs a high expense for some event. Further, the determination apparatus 100 can realize a flexible financial service such as providing a financial service suitable for the user without waiting for an offer from the user.

  Moreover, the determination apparatus 100 according to the embodiment further includes an estimation unit 132 that estimates an event that may occur to the user in the future based on the action history acquired by the acquisition unit 131. The determination unit 133 determines the content of a predetermined financial service that will be provided to the user in the future based on the event estimated by the estimation unit 132.

  Thus, the determination apparatus 100 estimates an event that may occur for the user based on the behavior history, and determines the content of the financial service based on the estimated event. Thereby, the determination apparatus 100 can provide a financial service more suitable for the user's actual situation.

  The determination apparatus 100 according to the embodiment further includes a notification unit 134 that notifies the user of the content determined by the determination unit 133.

  Thus, the determination apparatus 100 according to the embodiment notifies the user of the financial service determined based on the estimated event. That is, according to the determination apparatus 100, the user can know useful financial services for himself / herself only by performing daily actions (for example, browsing a web page) without particularly making an offer. it can. Thus, the determination apparatus 100 can perform processing with excellent usability.

  The notification unit 134 notifies the content determined by the determination unit 133 via a predetermined service page displayed on the user terminal 10 used by the user.

  As described above, the determination apparatus 100 according to the embodiment can notify the financial service information in a manner of being displayed on, for example, a web page or an application screen that is being browsed by the user. Thereby, the determination apparatus 100 can accurately transmit the determined financial service information to the user.

  In addition, the notification unit 134 notifies the user whether or not the user accepts the predetermined financial service determined by the determination unit 133 in a replyable manner.

  As described above, the determination apparatus 100 according to the embodiment notifies the service content in a manner in which an answer from the user can be obtained. Thereby, since the determination apparatus 100 can receive the reply from a user rapidly via a network, it can advance execution of a financial service smoothly.

  Further, the notification unit 134 notifies the user that the predetermined financial service determined by the determination unit 133 has been executed.

  As described above, the determination apparatus 100 according to the embodiment may notify the user that a predetermined financial service determined to be useful has been executed. Thereby, since the determination apparatus 100 can accurately convey to the user that the limit amount of the card has been increased, for example, the user's willingness to use the card can be improved.

  Moreover, the acquisition part 131 acquires the information regarding the search query which the user transmitted to the search service as an action history on the network. The estimation unit 132 estimates events that may occur in the future in the future based on the information related to the search query acquired by the acquisition unit 131.

  As described above, the determination apparatus 100 according to the embodiment performs the estimation process using the information related to the search query transmitted by the user. As described above, it can be said that the search query transmitted by the user specifically expresses the interest of the user. By using such information for the estimation process, the determination apparatus 100 can more accurately estimate events that may occur in the future in the user.

  The acquisition unit 131 acquires a browsing history of a predetermined service page as an action history on the network. Based on the browsing history of the predetermined service page acquired by the acquisition unit 131, the estimation unit 132 estimates events that may occur in the future in the user.

  As described above, the determination apparatus 100 according to the embodiment performs an estimation process based on a history of browsing a predetermined service page (for example, a web page, a page provided by a news application or an information providing application). Also good. In general, the browsing history of service pages on the network represents the interest of the user, and the user's interest may depend on events that may occur in the future. For this reason, the determination apparatus 100 can improve the accuracy of the estimation process by estimating the event using the browsing history of the service page as an element.

  Moreover, the acquisition part 131 acquires the information regarding SNS (Social Networking Service) which a user uses. The estimation unit 132 estimates an event that may occur in the future based on the information regarding the SNS acquired by the acquisition unit 131.

  Thus, the determination apparatus 100 according to the embodiment may acquire information regarding the SNS used by the user. The SNS is uploaded as a record of the results of the user's interest in daily life, the schedule written in text, or the action of the user himself / herself. It can be information indicating the characteristics of. By using information indicating such user characteristics for the estimation process, the determination apparatus 100 can improve the accuracy of the estimation process.

  Moreover, the acquisition part 131 acquires the content of the article contributed to SNS from the user. The estimation unit 132 estimates an event that may occur to the user in the future based on the content of an article posted to the SNS acquired by the acquisition unit 131.

  Thus, the determination apparatus 100 according to the embodiment may acquire more specific information regarding the SNS. For example, an article posted to the SNS includes text data including words that the user has recently been interested in, or includes image data. The determination apparatus 100 can improve the accuracy of the estimation process by using such information for estimation.

  Moreover, the acquisition part 131 acquires the action history regarding at least any one of the event regarding a life stage, the event regarding a trip, and the event regarding a large amount payment among the action history on a network. The estimation unit 132 may happen to the user in the future based on the behavior history related to at least one of the event related to life stage, the event related to travel, and the event related to high-payment among the behavior history acquired by the acquisition unit 131. Estimate the event.

  As described above, the determination apparatus 100 according to the embodiment may acquire information related to a change in the life stage of the user so that the financial service functions effectively. Thereby, the determination apparatus 100 can determine the financial service provided to the user more accurately.

  Moreover, the acquisition part 131 acquires the user's creditworthiness regarding a predetermined financial service. The determination part 133 determines the content of the predetermined financial service provided with respect to a user according to a user's reliability.

  As described above, the determination apparatus 100 according to the embodiment determines the financial service in consideration of the user's reliability. As a result, the determination apparatus 100 can appropriately adjust the limit amount to be raised or prevent the user from proposing financial services that do not match the user's creditworthiness, and thus more appropriately determine the financial services. be able to.

  As described above, some of the embodiments of the present application have been described in detail with reference to the drawings. However, these are merely examples, and various modifications, including the aspects described in the disclosure section of the invention, based on the knowledge of those skilled in the art, It is possible to implement the present invention in other forms with improvements.

  In addition, the “section (module, unit)” described above can be read as “means” or “circuit”. For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

DESCRIPTION OF SYMBOLS 1 Determination system 10 User terminal 30 Web server 100 Determination apparatus 110 Communication part 120 Storage part 121 User information storage part 122 Network information storage part 123 Search information table 124 Site information table 125 Estimated information storage part 126 Notification information storage part 130 Control part 131 Acquisition unit 132 Estimation unit 133 Determination unit 134 Notification unit 135 Reception unit

Claims (14)

An acquisition unit for acquiring an action history on the user's network;
A determination unit that determines the content of a predetermined financial service to be provided to the user in the future based on the behavior history of the user on the network acquired by the acquisition unit;
A determination apparatus comprising: Based on the behavior history acquired by the acquisition unit, an estimation unit that estimates an event that can occur in the user in the future,
Further comprising
The determination unit
Based on the event estimated by the estimation unit, the content of a predetermined financial service provided in the future to the user is determined.
The determination apparatus according to claim 1, wherein: A notification unit for notifying the user of the content determined by the determination unit;
The determination apparatus according to claim 2, further comprising: The notification unit
Notifying the content determined by the determination unit via a predetermined service page displayed on the terminal device used by the user;
The determination apparatus according to claim 3. The notification unit
Informing the user whether or not the user accepts the predetermined financial service determined by the determination unit in a replyable manner,
The determination apparatus according to claim 3 or 4, wherein The notification unit
Notifying the user that the predetermined financial service determined by the determination unit has been executed,
The determination apparatus according to claim 3 or 4, wherein The acquisition unit
As an action history on the network, obtain information on a search query sent by the user to a search service,
The estimation unit includes
Based on the information about the search query acquired by the acquisition unit, an event that may occur in the user in the future is estimated.
The determination apparatus according to claim 2, wherein The acquisition unit
As an action history on the network, obtain a browsing history of a predetermined service page,
The estimation unit includes
Based on the browsing history of the predetermined service page acquired by the acquisition unit, an event that can occur in the user in the future is estimated,
The determination apparatus according to any one of claims 2 to 7, wherein the determination apparatus includes: The acquisition unit
Obtain information about SNS (Social Networking Service) used by the user,
The estimation unit includes
Based on information about the SNS acquired by the acquisition unit, an event that may occur in the user in the future is estimated.
The determination apparatus according to any one of claims 2 to 8, wherein The acquisition unit
Obtain the content of an article posted to the SNS from the user,
The estimation unit includes
Based on the content of an article posted to the SNS acquired by the acquisition unit, an event that may occur in the future in the user is estimated.
The determination apparatus according to claim 9. The acquisition unit
Among the action history on the network, obtain an action history related to at least one of an event related to life stage, an event related to travel, and an event related to high-price payment,
The estimation unit includes
Of the behavior history acquired by the acquisition unit, an event that may occur in the future in the future is estimated based on a behavior history related to at least one of an event related to a life stage, an event related to travel, and an event related to expensive payment. ,
The determination apparatus according to claim 2, wherein The acquisition unit
Obtaining the user's credit rating for a given financial service;
The determination unit
Determining the content of a predetermined financial service provided to the user according to the creditworthiness of the user;
The determination apparatus according to claim 1, wherein A determination method executed by a computer,
An acquisition step of acquiring an action history on the user's network;
A determination step of determining the contents of a predetermined financial service to be provided to the user in the future based on the action history on the network of the user acquired by the acquisition step;
The determination method characterized by including. An acquisition procedure for acquiring an action history on the user's network;
A determination procedure for determining the content of a predetermined financial service to be provided to the user in the future based on the behavior history on the network of the user acquired by the acquisition procedure;
The determination program characterized by causing a computer to execute.

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