JP2020102011A - Method for processing information, program, and information processor - Google Patents

Abstract

To provide a method for processing information which can realize a loan on a group-by-group basis.SOLUTION: The present invention relates to a method for processing information done by an information processor, and the method includes the steps of: receiving requests about a loan from a group including a plurality of users; doing examinations on a loan to one or all of the users; loaning money to one or all of the users when the examinations have been completed; and receiving repayment of the loan from at least one of the users.SELECTED DRAWING: Figure 13

Description

The present disclosure relates to an information processing method, a program, and an information processing device.

Currently, various services that can borrow money such as cashing and bank loans are provided (Patent Document 1). By using these services, the user can raise the necessary money.

JP, 2002-015139, A

Here, the case where the user needs money is not necessarily limited to the case where the user needs money alone. For example, a case where a plurality of users gather to plan a trip or a drinking party, but there is a shortage of money in hand before payday, there is a case where the user wants to borrow money on a group basis. However, it is considered that there is no service that can lend money to the group among the services currently provided.

An object of the present disclosure is to provide an information processing method capable of realizing lending of money in group units.

An information processing method according to an embodiment of the present disclosure is an information processing method performed by an information processing apparatus, which includes a step of receiving a request for money lending from a group including a plurality of users, and one of the plurality of users. A step of conducting a loan appraisal to a user or to each of a plurality of users, and lending money to one user or each of a plurality of users when the appraisal is completed And a step of accepting repayment of the loaned money from at least one of the plurality of users.

It is a figure showing composition of a communication system concerning one mode of an embodiment. It is a figure showing an example of hardware constitutions of an information processor concerning this indication. It is a figure which shows an example of the block diagram which shows the functional structure of the information processing apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the user management DB which concerns on 1st Embodiment. It is a figure which shows an example of the user action DB which concerns on 1st Embodiment. It is a figure which shows an example of the loan management DB which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 1st Embodiment. It is a figure which shows an example of the user attribute information required for examination. It is a figure which shows an example of the screen which displays a loan condition and accepts consent. It is a figure which shows an example of the screen which receives the selection of loan conditions from a user. It is a figure which shows an example of the screen which displays a usage agreement. It is a figure explaining the specific example of the some balance matched with a user's account. It is a flow chart which shows an example of the processing procedure which the server concerning a 2nd embodiment performs. It is a figure which shows an example of the loan management DB which concerns on 3rd Embodiment. It is a flow chart which shows an example of the processing procedure (1st loan pattern) which the communication system concerning a 3rd embodiment performs. It is a flow chart which shows an example of the processing procedure (2nd loan pattern) which the communication system concerning a 3rd embodiment performs. It is a figure which shows an example of the block diagram which shows the functional structure of the information processing apparatus which concerns on 4th Embodiment. It is a figure for demonstrating the amount of money which can be further loaned to a user.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art, in order to comply with the laws of each country.

A mode for carrying out a communication system according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, a credit institution system 140, and a bank system 150 are connected via a network 130.

In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

In the present disclosure, when it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be respectively expressed as the information processing device 200. The number of information processing devices 200 connected to the network 130 is not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messenger, a content providing service such as music/video/book, and the like. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120. The credit institution system 140 is credit information of an individual based on transaction facts such as individual credit and loan contract details, repayments, payment status (information objectively indicating whether or not the borrowed money is to be paid by the promised deadline). Is a system operated by a company or the like that manages the credit card, and notifies the server 110 of the credit information of the user in response to an inquiry from the company or the like that provides the financial service.

In the present disclosure, the settlement service includes a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional codes (bar codes, etc.), two-dimensional codes (QR codes (registered trademark), etc.) (hereinafter, the one-dimensional codes and the two-dimensional codes are collectively referred to as “two-dimensional codes, etc.” ), short-range wireless communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform the payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and the payment is performed. The terminal 120 of the user who performs the process displays the two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120 of the user (seller, invoicer) on the store side or the like who requests the payment to make the payment. This is referred to as "store-reading type code settlement" or "CPM (Consumer Presented Mode)". The MPM and CPM may be dynamic or static.

In the present disclosure, financial services include services that lend money to one or more users. Money includes, by way of example and not limitation, the amount of charge available for the service and other monetary equivalents. Financial services also include, by way of example and not limitation, services that can delay the payment of money in return for the provision of goods and services, effectively equivalent to lending money to a user.

If necessary, the terminal used by the user X will be referred to as a terminal 120X, and the user information in a predetermined service associated with the user X or the terminal 120X will be referred to as a user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. The user information is, for example and without limitation, the user's name, user's icon image, user's age, user's gender, user's address, user's hobby, which is input by the user or given by a predetermined service. Information such as tastes, user identifiers, and other information associated with the user, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one of them or a combination thereof may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can send and receive data after connecting to the server 110.

One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (Metropolitan Area Network: MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: Part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, etc., or a combination of two or more of these may be included. Networks 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and methods described in the present disclosure.

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass-type devices, Clock-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG.

The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input/output interface (input/output I/F) 204, and a communication interface (communication I/F) 205. The components of the hardware of the information processing device 200 are connected to each other via the bus B as an example and not a limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. To do.

The processor 201 executes the function and method realized by the code or instruction included in the program stored in the storage 203. The processor 201 includes, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics Processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor), ASICs (Application-Specific Integrated Circuits), FPGAs (Field Programmable Gate Arrays), etc., including logic circuits (hardware) or dedicated circuits formed in integrated circuits (ICs (Integrated Circuit) chips, LSIs (Large Scale Integration)) Each process disclosed in each embodiment may be realized by a circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. The memory 202 also temporarily contains various data generated while the processor 201 is executing the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, for example and without limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits and receives various data via the network 130. The communication may be executed by wire or wireless, and any communication protocol may be used as long as mutual communication can be executed. The communication I/F 205 has a function of performing communication with another information processing device via the network 130. The communication I/F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I/F 205 receives various data transmitted from another information processing device and transfers the data to the processor 201.

The input/output I/F 204 includes an input device that inputs various operations on the information processing device 200 and an output device that outputs a processing result processed by the information processing device 200. In the input/output I/F 204, an input device and an output device may be integrated, or an input device and an output device may be separated.

The input device is realized by any of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, for example and without limitation, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. In the case of outputting the processing result as a video or a moving image, the output device is realized by any one or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. It The output device is, for example, without limitation, a touch panel, a touch display, a monitor (for example, without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying images and text information in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a “non-transitory tangible medium”. Programs include, by way of example and not limitation, software programs and computer programs.

The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

In addition, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program.

Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

It should be noted that the program of the present disclosure is implemented, for example and without limitation, by using a script language such as JavaScript (registered trademark), Python, C language, Go language, Swift Kotlin, Java (registered trademark), or the like.

At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In this disclosure, unless stated otherwise or indicated by context, "at least one of A and B" means "A, B, or both." Further, unless otherwise specified or indicated by context, “a”, “an”, or “the” shall mean “one or more”. Thus, herein, unless otherwise stated or indicated by context, "an A" or "the A" means "one or more A."

This disclosure includes all changes, substitutions, variations, alterations, or modifications made by those skilled in the art to the embodiments and examples of the present disclosure. Moreover, the appended claims encompass all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that can be made by those skilled in the art. To do.

In addition, a device or system or component of a device or system adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. References in the appended claims to that device, system, or component are so adapted, arranged, capable, configured, enabled, enabled Device, system, component, whether it is activated, turned on, or unlocked, as long as the device, system, component or its particular function is activated.

Unless otherwise specified, the present disclosure may obtain consent from a user before or immediately before implementing any of the embodiments or examples. Further, the consent to be acquired may be comprehensive or may be acquired each time.

<First Embodiment>
In the first embodiment, when a request for loaning money is received from a user, credit is evaluated based on at least one of the user attribute information of the user and the user behavior information of the user, thereby making money to the user. In this embodiment, conditions for lending (hereinafter referred to as “lending conditions”) are determined and the determined lending conditions are presented to the user. Further, in the embodiment, when the user accepts the determined lending conditions, the user lends money according to the determined lending conditions.

The user attribute information includes, for example and without limitation, the name, sex, age, occupation, years of service of the user, family income, annual income of family, loan amount of another company, credit information obtainable from the credit institution system 140, and the like. The user attribute information may be included in the user information.

The user behavior information includes, for example and without limitation, a history of electronic commerce usage, a history of payment service usage, a history of user location information (location information of the terminal 120), a website access log, and the like. The user behavior information may be included in the user information.

The loan conditions include, but are not limited to, the amount of money that can be loaned (hereinafter referred to as “loanable amount”), the interest rate when lending money (hereinafter referred to as “interest rate”), and repayment. At least one of the deadlines is included.

According to the first embodiment, for a user who wishes to lend money, a lending condition such as a loanable amount, an interest rate, and a repayment deadline suitable for the user based on at least one of the user attribute information and the user behavior information. It becomes possible to notify the user of the determined loan conditions. Further, according to the first embodiment, it becomes possible to lend money to a user who has accepted the lending conditions. In addition, since the server determines the loan condition in consideration of at least one of the user attribute information and the user behavior information for the user who wants to loan the money, the loan condition can be determined more accurately, and It is possible to smoothly perform the loan condition determination and the loan processing. In addition, since the user actually lends smoothly after he/she wants to lend money, it is possible to provide a smooth financial service.

<Functional configuration of the first embodiment>
Functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. The functional unit disclosed in FIG. 3 is realized by cooperation of the processor 201 included in the information processing apparatus 200, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205.

(1) Functional Configuration of Server The server 110 has an input/output I/F 311, a communication I/F 312, a control unit 313, and a storage unit 314. The input/output I/F 311 and the communication I/F 312 correspond to the input/output I/F 204 and the communication I/F 205 of FIG. 2, respectively. The control unit 313 includes a reception unit 315, an examination processing unit 316, a notification unit 317, a loan processing unit 318, and a repayment processing unit 319. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

The storage unit 314 includes a program, a user management DB (DataBase) that manages each user's account, a user behavior DB that stores user behavior information, and a loan management DB that stores loan conditions when lending to a user. Remember.

FIG. 4A is a diagram showing an example of a user management DB according to the first embodiment. The "user ID" includes an identifier that uniquely identifies the user. The “login information” includes information about a login password and the like necessary for the server 110 to confirm that the user who accesses the server 110 is the user himself. The “bank account information” includes information on a withdrawal account that needs to be registered when the user uses at least one of the financial service, settlement service, and electronic commerce service provided by the server 110 (account number, account type, Branch name, account name, etc.) are included.

FIG. 4B is a diagram showing an example of the user behavior DB according to the first embodiment. The "user ID" includes an identifier that uniquely identifies the user. The “e-commerce usage history” includes, by way of example and not limitation, the types of products that the user has traded using e-commerce, the product name, the price of the purchased product, the sale price when the product was sold, and the transaction. Date and time of establishment, total number of transactions in a given period, average purchase price or total purchase amount in a given period, average sale price or total sale amount in a given period Including whether or not the purchase price is delayed and the number of delays. “Payment service usage history” is the date and time when the user used the payment service, the amount of payment when the payment service was used, the average of the amount of payment per transaction in a predetermined period or the total amount of payment, and the amount of payment. Includes the presence or absence of delays in the withdrawal and the number of delays. The “positional information history” includes the positional information received from the terminal 120 used by the user in association with the time stamp.

FIG. 4C is a diagram showing an example of the loan management DB according to the first embodiment. The "user ID" includes an identifier that uniquely identifies the user. The "lending amount" includes the amount lent to the user. The "lending date" includes the date of lending to the user. The “interest rate (year)” includes the interest rate applied to the money lent to the user. The “repayment deadline” includes the due date on which the user should repay the money.

The accepting unit 315 has a function of accepting a request for lending money from a user (from the terminal 120).

The examination processing unit 316 has a function of deciding loan conditions when lending money to a user by performing an examination based on at least one of the user attribute information and the user behavior information. The examination processing unit 316 may be referred to as a determination unit.

The notification unit 317 has a function of notifying the user (the terminal 120) of the loan conditions determined by the examination processing unit 316.

The lending processing unit 318 has a function of lending money to the user (terminal 120) in accordance with the lending conditions when a notification indicating that the user has accepted the lending conditions is received from the terminal 120. The loan management DB stores the loan conditions when lending to the user.

The repayment processing unit 319 has a function of accepting repayment of money lent to the user.

(2) Functional Configuration of Terminal The terminal 120 has an input/output I/F 321, a communication I/F 322, a control unit 323, and a storage unit 324. The input/output I/F 321 and the communication I/F 322 correspond to the input/output I/F 204 and the communication I/F 205 of FIG. 2, respectively. The control unit 323 includes a transmission unit 325, a reception unit 326, a UI (User Interface) unit 327, and a position information measurement unit 328. The storage unit 324 stores the program. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

The transmission unit 325 has a function of transmitting a request for monetary loan to the server 110 that manages monetary loan when an instruction to receive monetary loan is received from the user via the UI unit 327. Have. The transmission unit 325 may be referred to as a request unit. Further, when the transmission unit 325 receives an instruction from the user to accept the loan condition via the UI unit 327, the user accepts the loan condition in order to cause the server 110 to lend money according to the loan condition to the user. It has a function of notifying the server 110 of a notification indicating that it has occurred. The function may be referred to as a notification unit.

The receiving unit 326 has a function of receiving, from the server 110, a notice of loan conditions for lending money to a user, which is determined by performing an examination based on at least one of the user attribute information and the user behavior information. The receiving unit 326 may be referred to as a receiving unit.

The UI unit 327 has a function of displaying various screens related to financial services provided by the server 110 on the display of the terminal 120. Further, it has a function of accepting various inputs related to the financial service and the like from the user. In addition, the UI unit has a function of receiving an instruction from a user that he/she wants to receive a loan of money and an instruction of whether or not to accept loan conditions.

The position information measuring unit 328 has a function of measuring the position information of the current position of the terminal 120 and notifying the server 110. The server 110 that has received the position information stores the received position information in the “position information history” of the user management DB. The position information measurement unit 328 measures the latitude and longitude of the terminal 120 as position information of the current position of the terminal 120 by using a GPS (Global Positioning System), for example and without limitation. The position information measuring unit 328 may measure the position information of the terminal 120 by any method as long as the position information of the terminal 120 can be measured. As an example and not by way of limitation, the position information measurement unit 328 may be configured such that the IMES (Indoor Massaging System), Wi-Fi, RFID (Radio Frequency Identification), NFC (Near Field Communication), and BLE (Blue-Eye-Lower Ultrasonic). The position information of the terminal 120 may be measured using a distance wireless communication, a mobile communication system such as LTE or CDMA, or the like.

<Operation processing of the first embodiment>
The processing of the communication system 1 according to the embodiment will be described with reference to FIG. FIG. 5 shows an example of a processing sequence of the communication system 1 according to the first embodiment.

In step S100, the UI unit 327 of the terminal 120 receives input of a desired loan amount from a user who desires to loan money. Further, the UI unit 327 accepts input of user attribute information necessary for the primary examination. FIG. 6 shows an example of user attribute information necessary for the primary examination. For example, in the primary examination, the user may be prompted to input the annual income and the borrowing amount of another company.

In step S101, the transmission unit 325 of the terminal 120 transmits the desired loan amount, the input user attribute information, and the user ID of the user who operates the terminal 120 to the server 110 as a request regarding the loan of money. The user ID is, for example and without limitation, the user ID that is input when logging in to the screen for accepting the loan of money, and the various requests received by the server 110 from the terminal 120 are sent from which user. Used to identify if it is a request. The accepting unit 315 of the server 110 accepts the desired loan amount, the user attribute information, and the user ID as a request for lending money.

In step S102, the examination processing unit 316 of the server 110 performs a primary examination based on the desired loan amount and the user attribute information. In the primary examination, for example, it is examined whether or not a person wants to lend more than the total amount regulation (regulation that 1/3 or more of annual income cannot be borrowed) stipulated by law.

In step S103, the notification unit 317 of the server 110 notifies the terminal 120 of the result of the primary examination. The UI unit 327 of the terminal 120 displays the result of the primary examination on the screen, and when the primary examination is passed, displays the screen for accepting the input of the user attribute information required for the main examination. If the result does not pass the primary examination, a message to that effect is displayed on the screen and the processing ends.

In step S104, the UI unit 327 receives input of user attribute information necessary for the main examination. FIG. 6 shows an example of user attribute information necessary for the main examination. For example, in the final examination, even if the user is prompted to enter the age, sex, occupation, years of service, family members (spouse presence, number of children, number of dependents, etc.), annual income of family members, etc. Good. The credit information shown in FIG. 6 is the credit information acquired from the credit institution system 140, which is acquired in the processing procedure of step S107 described later. The user attribute information does not need to be input from the user at the timings of step S100 and step S104. For example, if there is user attribute information already registered by the electronic commerce service or the like that the user is already using, that information may be used. That is, if the server 110 can acquire the user attribute information, the user attribute information can be specified by the server 110 by the user ID transmitted in step S101.

In step S105, the transmission unit 325 of the terminal 120 transmits the input user attribute information and user ID to the server 110. The receiving unit 315 of the server 110 receives the input user attribute information and user ID.

In steps S106 and S107, the examination processing unit 316 of the server 110 determines that all users including the user attribute information used in the primary examination, the user attribute information received in step S105, and the credit information acquired from the credit institution system 140. The main examination is performed based on the attribute information and the user action information acquired from the user action DB.

In step S108, examination processing unit 316 further determines loan conditions according to a predetermined algorithm. The lending conditions determined by the server 110 include the loanable amount, the interest rate when lending money, and the repayment deadline.

In step S109, the examination processing unit 316 notifies the terminal 120 of the result of the main examination and the loan conditions.

In step S110, the UI unit 327 of the terminal 120 displays the loan conditions on the screen when the main examination has been passed. If the result does not pass the final examination, a message to that effect is displayed on the screen, and the processing ends. In addition, the UI unit 327 receives from the user a selection as to whether or not to permit the loan under the displayed loan conditions.

FIG. 7A shows an example of a screen displaying loan conditions. For example, on the screen of A of FIG. 7, it is displayed that the loanable amount is 10,000 yen, the repayment deadline is one month later, and the interest (commission) added at the repayment deadline is 164 yen. ing. When the button B1 is pressed, the process proceeds to the confirmation screen shown in B of FIG. 7, and when the button B2 is pressed, the process proceeds to step S111.

In step S111, the transmission unit 325 of the terminal 120 transmits a notification indicating that the user has accepted the loan conditions to the server 110.

In step S112, the lending processing unit 318 of the server 110 receives the notification that the user has accepted the lending conditions, lends money to the user according to the lending conditions, and lends the lending conditions to the lending management DB. Remember. Specifically, the lending processing unit 318 transfers the money corresponding to the loanable amount to the user's bank account registered in the user management DB, and the charge balance in the settlement service used by the user. Then, processing such as adding an amount corresponding to the loanable amount is performed. In addition, withdrawal from a predetermined bank ATM may be possible. The user may select the method of receiving the loaned money by displaying the selection screen shown in FIG. 7C on the screen of the terminal 120.

<Lending condition determination process of the first embodiment>
Subsequently, the examination processing unit 316 will describe a determination method when determining the loan conditions in the processing procedure of step S108 of FIG.

The examination processing unit 316 calculates the creditworthiness of the user using a predetermined algorithm based on the user attribute information and the user behavior information when determining the loan conditions in the processing procedure of step S108 of FIG. The loan condition may be determined based on the loan condition.

For example, the examination processing unit 316 includes various data included in the credit information obtained from the credit institution system 140 and the transaction frequency in the electronic commerce, the transaction amount, and the payment delay of the purchase price included in the user behavior information, or By substituting the number of delays and the like into a predetermined algorithm, the trustworthiness of the user (the trustworthiness represented by a numerical value) is calculated. Further, the examination processing unit 316 may grasp the user's action area from the history of the user's position information, and calculate the creditworthiness of the user based on the grasped action area. For example, it is conceivable to set a low credit rating for users who are suspected of being dependent on gambling, such as those who frequently enter and exit pachinko parlors. Subsequently, the examination processing unit 316 may determine the lending available amount such that the lending available amount increases as the credit level increases. Also, the examination processing unit 316 may determine the interest rate such that the higher the credit level, the lower the interest rate. Further, the examination processing unit 316 may determine the repayment deadline such that the repayment deadline becomes longer as the credibility is higher. By determining the loan condition by using the user behavior information, it is possible to more appropriately calculate the creditworthiness of the user than by determining the loan condition only by the user attribute information.

Further, when determining the loan conditions in the processing procedure of step S108 of FIG. 5, the examination processing unit 316 may determine a plurality of loan conditions in which at least one of the loanable amount, the interest rate, and the repayment period is different. .. In this case, in the processing procedure of step S109, the notification unit 317 notifies the terminal 120 of the determined plurality of loan conditions. Further, in the processing procedure of step S110, the UI unit 327 of the terminal 120 displays a plurality of loan conditions on the screen and accepts the user's selection. In the processing procedure of step S111, the transmission unit 325 of the terminal 120 transmits the loan condition selected by the user to the server 110. The lending processing unit 318 of the server 110 lends money according to one of the plurality of lending conditions designated by the user.

8A shows an example of a screen for accepting the selection of loan conditions from the user when the loanable amount is different as the loan condition. B of FIG. 8 shows an example of a screen for accepting the selection of loan conditions from the user when the repayment dates differ as loan conditions.

The examination processing unit 316 may determine the loan condition including the upper limit of the loanable amount when determining the loan condition in the processing procedure of step S108 of FIG. In this case, in the processing procedure of step S109, the notification unit 317 notifies the terminal 120 of loan conditions including the upper limit of the loanable amount. Further, in the processing procedure of step S110, the UI unit 327 of the terminal 120 displays a screen for accepting the desired loan amount up to the maximum loanable amount from the user and accepting the selection of the desired loan amount from the user. In the processing procedure of step S111, the transmission unit 325 of the terminal 120 transmits the desired loan amount received from the user to the server 110. The loan processing unit 318 of the server 110, when the desired loan amount received from the user is less than or equal to the upper limit of the loanable amount, lends the desired loan amount in accordance with the loan conditions.

<<First Example>>
If the user specifies the desired loan amount and the result of the main examination is that the loanable amount is within the range of the user's annual income reduced to 1/3 minus the loan amount of another company, the screen of the terminal 120 , At least a part of the user attribute information (for example, the user's annual income and the amount borrowed from another company) and the upper limit of the loanable amount are displayed together, and the user operates the screen so that the amount from 0 yen to the loanable amount is displayed. The desired loan amount may be arbitrarily designated between them. FIG. 8C shows an example of a screen for accepting the designation of the desired loan amount from the user. As shown in C of FIG. 8, the slider operation may be accepted within a range obtained by subtracting the borrowed amount of the other company from 1/3 of the user's annual income. According to the first embodiment, it becomes possible for the user to determine the amount of money desired to be loaned while understanding the concept of total amount regulation. For example, the size of the display area 820 associated with the loan amount may be changed in response to the operation of the user swiping the adjustment object 810 to the right. In this case, the loan amount may increase as the area of the display area 820 associated with the loan amount increases according to the user's operation. The loan amount may be reduced as the area of the display area 820 associated with the loan amount is reduced according to the user's operation.

<<Second Example>>
In step S110 of FIG. 5, when the user accepts the selection that the loan is permitted under the loan condition, the UI unit 327 further displays a screen showing the usage agreement to which the interest rate is applied and confirms the usage agreement. You may make it accept what was done. In this case, the transmission unit 325 transmits information indicating that the user has confirmed the terms of use to the server 110, and the loan processing unit 318 of the server 110 receives the information indicating that the user has confirmed the terms of use. In this case, the lending process may be executed. FIG. 9 shows an example of a screen displaying the terms of use. The interest rate may be described in a position that can be referred to by scrolling the usage agreement.

According to the second embodiment, the interest rate cannot be confirmed without scrolling the terms of use, so that the user can confirm the terms of use statement. Moreover, since the interest rate and the terms of use can be displayed on the same screen, it is possible to reduce the number of screens as compared with the case where the interest rate is displayed on individual screens.

<<Third Example>>
The notification unit 317 of the server 110 may use the lending service provided by the server 110 based on at least one of the use history of the electronic commerce, the use history of the settlement service, and the position information history of the user behavior DB. A high user may be extracted, and a notification of recommending the use of the lending service may be transmitted to the terminal 120 of the extracted user. The UI unit 327 of the terminal 120 that has received the notification may display, for example, a notification that recommends the use of the lending service on the screen. According to the third embodiment, it becomes possible to promote the use of the lending service.

<Second Embodiment>
The second embodiment confirms loan conditions including a loan amount, an interest rate, and a repayment deadline stored in the loan management DB, and after the repayment deadline, at least one of a plurality of balances associated with a user's account is checked. In this embodiment, the repayment is performed by subtracting the repayment amount calculated based on the loan amount and the interest rate from the balance. In the second embodiment, a plurality of balances associated with a user's account are used for money transferred from a bank, money balance obtained from the other party in electronic commerce, and purchase of new products in electronic commerce. It is a premise that the balance of points that can be done is included.

According to the second embodiment, it becomes possible to properly collect the money lent to the user. In addition, since the server 110 automatically collects, the collection process can be performed more accurately. Further, since the collection process is performed more accurately, the possibility that the company providing the service will suffer a loss due to a loan loss is reduced, and it becomes possible to provide a smooth financial service by creating a new service.

<Functional configuration of the second embodiment>
(1) Functional Configuration of Server The repayment processing unit 319 of the server 110 lends the loan amount lent to the user from at least one of a plurality of balances associated with the user's account after the repayment deadline. It has a function of performing repayment processing by subtracting the repayment amount calculated based on the amount and the interest rate.

Further, the repayment processing unit 319 may subtract the repayment amount from the balance with a higher priority order out of the plurality of balances associated with the user's account. Further, the repayment processing unit 319 may perform repayment by subtracting the repayment amount from the balance of points included in a plurality of balances associated with the user's account and available for purchasing a new product. Good. In addition, the repayment processing unit 319 may perform the repayment by preferentially subtracting from points having a short expiration date among points associated with the user's account.

Of the functional configuration of the server 110, points that are not particularly mentioned may be the same as in the first embodiment.

(2) Functional configuration of terminal The functional configuration of the terminal 120 is the same as that of the first embodiment, and therefore description thereof is omitted.

<Operation processing of the second embodiment>
First, a specific example of a plurality of balances associated with a user's account will be described with reference to FIG. In the second embodiment, it is assumed that the user is managed by using a common account for the financial service and the electronic commerce service provided by the server 110.

The left side of FIG. 10 shows a state before the user's bank account is registered in the user's account (the user's account is associated with the user's bank account). In the second embodiment, the state before the user's bank account is registered in the user's account is referred to as “before bank connection”. The right side of FIG. 10 shows a state after the user's bank account is registered in the user's account. The state after the user's bank account is registered in the user's account is referred to as “after bank connection” in the second embodiment. In addition, when registering the user's bank account in the user's account, identity verification (for example, submission of identification card) based on the law on prevention of transfer of revenue due to crime is performed, and when identity verification is completed, the user specifies A bank account is registered with the user's account. Further, by registering the user's bank account in the user's account, it becomes easy to transfer money between the bank account and the account.

Before connecting to the bank, the user's account has a balance (first balance) of “sales proceeds” that is sales proceeds obtained by selling the products and cannot be used for purchasing new products. , The points that can be obtained by converting the sales amount and that can be used to purchase new products, the balance of "point 1" (the second balance), and the points that are granted free of charge due to usage promotion measures, etc. There are three balances, the “point 2” balance (third balance) that can be used to purchase new products.

When the user's bank account is registered in the user's account in this state, the user's account is in a state after connecting to the bank, and “sales” is changed to “balance”. This “balance” may be referred to as the fourth balance. Further, the balance of "point 2" after connecting to the bank may be referred to as a fifth balance. After connecting to the bank, the "balance" can be used for the purchase price of the product in the electronic commerce service. However, by making it possible to directly use the “balance” for the purchase of a new product, all or part of the “balance” cannot be exchanged for “point 1”. That is, after the bank is connected, the balance of point 1 may decrease by allocating point 1 to the product purchase price, but the balance of point 1 does not increase. When the balance of point 1 becomes zero, as shown on the right side of FIG. 10, only “balance” and “point 2” exist in the user's account.

FIG. 11 is a flowchart showing an example of a processing procedure performed by the server 110 according to the second embodiment. The flowchart of FIG. 11 applies to both the account before bank connection and the account after bank connection.

First, the repayment processing unit 319 of the server 110 first repays (divides) the repayment amount from the balance of "point 1" when the money (debt) lent to the user has passed the repayment deadline (S200). If all the repayment amounts have been repayable, the process ends (S201-YES). When all the repayment amounts cannot be repaid (S201-NO), the remaining repayment amount is repayed (divided) from the balance of "point 2" (S202). When the remaining repayment amount has been repayable, the process ends (S203-YES).

When the remaining repayment amount cannot be repaid (S203-NO), the remaining repayment amount is repayed (divided) from the "sales amount" balance or the "balance" (S204). When the remaining repayment amount has been repayable, the process ends (S205-YES). When the remaining repayment amount cannot be repaid (S205-NO), the repayment is completed by deducting the remaining repayment amount from the user's bank account (S206).

That is, the server 110 first subtracts the repayment amount from “point 1 (second balance)” and subtracts “point 2 (third balance)” when “point 1 (second balance)” disappears. , "Point 2 (third balance)" is lost, the repayment is performed by subtracting from "sales/balance (first balance)". After the bank connection, if "point 1" does not exist, steps S200 and S201 of FIG. 11 are omitted. In other words, the server 110 first makes a repayment by subtracting the repayment amount from "point 2 (fifth balance)" and subtracting "point 2" from "balance (fourth balance)". Further, when the repayment amount cannot be subtracted from any of the balances, the server 110 repays by directly withdrawing at least a part of the deficient repayment amount from the user's bank account.

When the server 110 subtracts the repayment amount from the balance of “sales (first balance)” or “point 1 (second balance)” before the bank connection, and the balance is exhausted Alternatively, the repayment may be made by subtracting from the other balance. Further, the server 110 subtracts the repayment amount from the balance of “balance (fourth balance)” or “point 2 (fifth balance)” after the bank connection, and when the balance is exhausted. The repayment may be made by subtracting from the other balance. The “balance” and “point 2” in the state after the bank connection may be referred to as the third balance and the fourth balance, respectively.

When the user voluntarily repays the repayment amount by the repayment deadline, the process of the flowchart shown in FIG. 10 is not executed. In this case, the repayment processing unit 319 may give a privilege to the user who has repayed the entire amount by the repayment deadline. The privilege may be a privilege available in the financial service provided by the server 110. By way of example and not limitation, it may be a privilege such as free or reduced interest when the user borrows money next time.

In the case of deducting the insufficient repayment amount from the bank account, when a plurality of bank accounts are registered in the user's account, the repayment processing unit 319 of the server 110 causes the repayment processing unit 319 of the plurality of bank accounts to perform the electronic commerce service and the settlement. You may make a withdrawal in order from the bank account with which the number of times of transactions in the service or financial service is high. Alternatively, the repayment processing unit 319 of the server 110 sequentially debits the plurality of bank accounts from the bank account in which the most recent cash exchange was performed in the electronic commerce service, the settlement service, or the financial service. Good. The bank account may be withdrawn in descending order of deposit amount.

In the second embodiment, when the withdrawal from the user's bank account is not possible, the repayment processing unit 319 of the server 110 performs a process required to remind the user (for example, registration in a blacklist). I do.

<Third Embodiment>
The third embodiment is an embodiment in which money is lent in units of a group including a plurality of users, and repayment of the lent money is received from at least one of the plurality of users. There are two patterns for lending money in units of groups.

The first lending pattern examines one of a plurality of users as a user who lends out the requested lending amount, and examines other users as a guarantor or a joint guarantor that guarantees the repayment of the lending amount. It is a pattern to be performed. In the first pattern, basically, the user who received the loan repays, but when the user who received the loan does not repay, the other user repays the loan amount.

The second lending pattern accepts the amount of money desired to be loaned from each of a plurality of users, individually examines each user, and lends the amount of money desired by each user to each user when the examination is passed. It is a pattern. In the second pattern, each user is loaned, but at the time of repayment, any one user may collectively repay the loan amount for all, or each user may repay its own loan amount. You may do so.

According to the third embodiment, it becomes possible to lend money in units of groups that desire to lend money. Further, according to the third embodiment, the server determines the loan condition in consideration of at least one of the user attribute information and the user behavior information for a group desiring to lend money, so that it is more accurate. The loan condition can be determined, and the process for determining the loan condition can be smoothly performed. Further, since the process for determining the lending conditions can be performed smoothly, it becomes possible to provide a smooth financial service.

<Functional configuration of the third embodiment>
The functional configurations of the server 110 and the terminal 120 will be described again with reference to FIG. The points not particularly mentioned may be the same as those in the first embodiment.

(1) Functional Configuration of Server The control unit 313 includes a reception unit 315, an examination processing unit 316, a notification unit 317, a loan processing unit 318, and a repayment processing unit 319.

The storage unit 314 stores a program, a user management DB that manages each user's account, a user behavior DB that includes user behavior information, and a loan management DB that includes lending conditions when lending to a user. Since the user management DB and the user behavior DB are the same as those in the first embodiment, the description thereof will be omitted.

FIG. 12 is a diagram showing an example of the loan management DB according to the third embodiment. 12A shows a loan management DB corresponding to the first loan pattern. The "user ID (lender)" includes the user ID of the user who received the loan of money. The "user ID (guarantor)" includes the user ID of the user who is the guarantor or joint guarantor. The “guarantor type” includes a flag indicating whether the user ID (guarantor) is a guarantor or a joint guarantor. The “lending amount” includes the amount lent to the user of the user ID (lender). The “lending date”, “interest rate (year)” and “repayment deadline” are the same as those in FIG.

B of FIG. 12 shows a loan management DB corresponding to the second loan pattern. The “group ID” includes an ID that uniquely identifies a group that is a unit for receiving a loan. The “user ID”, “loan amount”, “loan date”, “interest rate (year)”, and “repayment deadline” are the same as those in FIG. 4C, so description thereof will be omitted. Note that in the example of B of FIG. 12, the loan date and the repayment deadline are the same, but they are not necessarily limited to this. As will be specifically described later, in the case of the second lending pattern, since credit examination and lending are performed independently for each user, the lending date and the repayment deadline may be unified in the group, or different for each user. You may do it.

The receiving unit 315 has a function of receiving a request for loaning money from a group including a plurality of users. In the case of the first lending pattern, the request for monetary lending includes the amount of lending desired as a group. In the case of the second loan pattern, the request for monetary loan includes the loan amount desired by each of the plurality of users in the group.

The examination processing unit 316 has a function of examining one of a plurality of users in the group or lending money to each of the plurality of users. In the case of the first lending pattern, the examination processing unit 316 examines one user in the group as a user who lends the loan amount desired by the group, and lends the users other than the one user to the lending amount. Will be examined as a guarantor or joint guarantor that guarantees the repayment of. Further, in the case of the second lending pattern, the examination processing unit 316 examines each user in the group for lending the loan amount desired by each user.

The notification unit 317 has a function of notifying each user of the result of the examination performed by the examination processing unit 316 and the loan conditions.

The loan processing unit 318 has a function of lending money to one user or each of a plurality of users in the group when the examination is completed. In the case of the first lending pattern, the lending processing unit 318, when the examination is completed for one user who lends money and another user who is a guarantor or a joint guarantor, completes the examination for that one user. Loan the loan amount. Further, in the case of the second lending pattern, the lending processing unit 318 lends a loan amount desired by each user to each of the plurality of users when the examination for each of the plurality of users is completed. ..

The repayment processing unit 319 has a function of accepting repayment of the loaned money from at least one of the plurality of users in the group.

(2) Functional Configuration of Terminal When the transmitting unit 325 receives an instruction from the user via the UI unit 327 that the user wants to receive a loan in group units, the transmitting unit 325 tells the server 110 that manages the loan. It has the function of sending a request for borrowing money. Further, when the transmitting unit 325 receives an instruction from each user to accept the loan condition via the UI unit 327, each user makes a loan to the server 110 in order to allow the server 110 to lend money according to the loan condition. It has a function of notifying the server 110 of the notification that the condition has been accepted.

The receiving unit 326 has a function of receiving, from the server 110, a notice of loan conditions when lending money to each user, which is determined by performing an examination based on the user attribute information of each user and the user behavior information of each user. Have.

The UI unit 327 has a function of displaying various screens related to financial services provided by the server 110 on the display of the terminal 120. It also has a function of accepting various inputs related to the financial service from the user. In addition, the UI unit has a function of receiving an instruction from a user that he/she wants to receive a loan of money and an instruction of whether or not to accept loan conditions.

<Operation processing of the third embodiment>
FIG. 13 is a flowchart showing an example of a processing procedure (first loan pattern) performed by the communication system according to the third embodiment. In FIG. 13, it is assumed that, in a group including user A, user B, and user C, user A receives a loan of money and user B and user C become guarantors or guarantors.

In step S300, the UI unit 327 of the terminal 120A, on the screen for accepting the loan in the group, requests the loan in group units, selects the users configuring the group, and selects each user in the selected group. Among them, the selection of a user who lends money, the selection of a joint guarantor or a user who becomes a guarantor, and the selection of a guarantor type (selection of joint guarantor or guarantor) are accepted. Here, it is assumed that the user who wants to lend money is the user A, and the users B and C are selected as the users who will be the joint guarantors.

Here, on the screen for accepting the selection of the users forming the group, the users who use the terminals 120 existing within a predetermined range from the current position of the user A (the current position of the terminal 120A) are displayed in a list. The selection may be accepted from among the users. Alternatively, a list of users who use the terminal 120 that has received the Bluetooth (registered trademark) signal transmitted from the terminal 120A may be displayed, and selection may be accepted from the displayed users. Alternatively, the selection may be accepted from the users displayed in the social graph showing the connection relationship between the users.

In step S301, subsequently, the UI unit 327 of the terminal 120A receives an input of the desired loan amount from the user A.

In steps S302 and S303, the selected terminal B of the user B and the terminal 120C of the user C confirm whether or not the user A agrees to become a joint guarantor for receiving the loan of the above-mentioned desired loan amount. It may be performed. For example, the consent of the user B and the user C may be obtained by transmitting the consent confirmation message from the terminal 120A to the terminal 120B and the terminal 120C via the server 110. Here, the explanation is continued assuming that consent has been obtained.

In step S304, the transmission unit 325 of the terminal 120 transmits a message requesting loan in a group to the server 110. The message includes the desired loan amount, information indicating that the user A is to be loaned, and that user B and user C will be the guarantors of user A.

Upon receiving the message requesting loan in the group in step S305, the server 110 transmits a message requesting input of user attribute information to the terminal 120A.

In step S306, the UI unit 327 of the terminal 120A receives the input of the user attribute information of the user A from the user A.

In step S307, the transmitter 325 of the terminal 120A transmits the input user attribute information of the user A.

In step S308, the examination processing unit 316 of the server 110 receives all the user attribute information including the received user attribute information of the user A and the credit information of the user A acquired from the credit institution system 140, and the user acquired from the user behavior DB. Based on the behavior information of A, it is examined whether or not the desired loan amount desired by user A can be loaned to user A.

Similarly, in the processing procedure of steps S309 to S312, it is examined whether or not the user B can become the joint guarantor (or guarantor) of the user A, and in steps S313 to S316, the user C is examined. Is examined whether or not the user can be the joint guarantor (or guarantor) of the user A. The examination of the guarantor may be simpler than the examination of the joint guarantor.

In step S317, the notification unit 317 of the server 110 causes the user A to lend the desired loan amount desired by the user A, the examination result of the user B and the user C becoming joint guarantors, and the lending condition (examination). (Only when passing through) and) to the terminal 120A.

In step S318, the UI unit 327 of the terminal 120A displays the loan conditions on the screen when the examination has been passed. If it does not pass the examination, a message to that effect is displayed on the screen and the processing ends. The UI unit 327 receives from the user A a selection as to whether or not to permit the loan under the displayed loan conditions.

In step S319, the transmission unit 325 of the terminal 120A transmits a notification indicating that the user A has accepted the loan conditions to the server 110.

In step S320, the loan processing unit 318 of the server 110 receives the notification indicating that the user A has accepted the loan conditions, executes the loan to the user A in accordance with the loan conditions, and the loan conditions and the user B Information such as that the user C is a joint guarantor is stored in the loan management DB.

In the procedure described above, the terminal 120 of the joint guarantor or the user who is the guarantor is also notified of the examination result, and the user agrees to become the joint guarantor or the guarantor and the loan conditions. You may do it. The loan processing unit 318 of the server 110 allows the user who has passed the examination to agree to the loan conditions, and the joint guarantor or guarantor who has passed the examination to become the joint guarantor or guarantor and the loan. If you agree to the conditions, you may make a loan of money.

In the processing procedure described above, the execution order of the processing procedure of steps S305 to S308, the processing procedure of steps S309 to S312, and the processing procedure of steps S313 to S316 is not limited to the order shown in FIG. As long as there is no contradiction in the processing, the order of these processing procedures may be changed or they may be executed simultaneously.

The examination processing unit 316 of the server 110 provides the user with money when the user who lends the money has passed the examination, and when at least one of the users selected as the joint guarantor or the guarantor has passed the examination. May be loaned. For example, in the example of FIG. 13, when the user A has passed the examination and at least one of the user B and the user C has passed the examination, money may be loaned to the user A. Alternatively, the examination processing unit 316 of the server 110 may lend money only when all the users who lend money and the joint guarantor or the users selected as guarantors have passed the examination. ..

In the first loan pattern, when the repayment deadline has passed, the server 110 repays by performing a subtraction process from the account of the account of the user who made the loan, according to the processing procedure described in the second embodiment. If the deduction process cannot be performed from the account of the user who made the loan, the repayment is performed by performing the deduction process from the account of the user who is the joint guarantor or the guarantor. However, if it is before the repayment deadline, any one user in the group may repay.

FIG. 14 is a flowchart showing an example of a processing procedure (second loan pattern) performed by the communication system according to the third embodiment. In the example of FIG. 14, it is assumed that each user in the group including the user A, the user B, and the user C receives a loan of money. Regarding the second lending pattern, similarly to the first lending pattern, the selection of the users included in the group may be received using the screen for receiving the selection of the users configuring the group. A list of users who use the terminal 120 existing within a predetermined range from the current position of the user (current position of the terminal 120) is displayed on the screen, and a selection is accepted from the displayed users. Good. Alternatively, the users who use the terminal 120 that have received the Bluetooth (registered trademark) signal transmitted from the terminal 120 may be displayed in a list, and the selection may be accepted from the displayed users. Alternatively, the selection may be accepted from the users displayed based on the social graph showing the connection relationship between the users.

In FIG. 14, the processing procedure of steps S400 to S403 is performed in a talk room of a group talk, which is a chat performed in a group including user A, user B, and user C.

In step S400, the UI unit 327 of the terminal 120A receives an input of a message requesting loan in a group from the user A. The transmission unit 325 transmits the accepted message to the talk room of the group talk. The reception unit 315 of the server 110 recognizes the message transmitted to the talk room requesting loan in a group. At this time, the server 110 may transmit a message instructing each user to input the desired loan amount to the talk room of the group talk.

In steps S401 to S401, the user A, the user B, and the user C input and transmit their desired loan amounts in the talk rooms displayed on the screens of the terminals 120A, 120B, and 120C. The receiving unit 315 of the server 110 receives the requested loan amounts of the user A, the user B, and the user C, which have been transmitted.

Since the processing procedure of steps S410 to S417 described below includes transmission of user's personal information, it may be performed individually between the user A and the server 110 instead of the group talk room. Good.

In step S410, when the desired loan amount of the user A is received from the terminal 120A, the server 110 transmits a message requesting input of user attribute information to the terminal 120A.

In step S411, the UI unit 327 of the terminal 120A receives the input of the user attribute information of the user A from the user A.

In step S412, the transmission unit 325 of the terminal 120A transmits the input user attribute information of the user A.

In step S413, the examination processing unit 316 of the server 110 receives all the user attribute information including the received user attribute information of the user A and the credit information of the user A acquired from the credit institution system 140, and the user acquired from the user behavior DB. Based on the behavior information of A, it is examined whether or not the desired loan amount desired by user A can be loaned to user A.

In step S414, the notification unit 317 of the server 110 transmits, to the terminal 120A, the examination result for lending the desired loan amount desired by the user A to the user A and the loan condition (only when the loan has passed the screening).

In step S415, the UI unit 327 of the terminal 120A displays the loan condition on the screen when the examination has been passed. If it does not pass the examination, a message to that effect is displayed on the screen and the processing ends. The UI unit 327 receives from the user A a selection as to whether or not to permit the loan under the displayed loan conditions.

In step S416, the transmission unit 325 of the terminal 120A transmits a notification indicating that the user A has accepted the loan conditions to the server 110.

In step S417, the loan processing unit 318 of the server 110 receives the notification indicating that the user A has accepted the loan conditions, and then lends money to the user A according to the loan conditions. Further, information such as loan conditions when lending money to the user A and group IDs of groups including the users A, B and C are stored in the loan management DB in association with each other.

In step S420, the same processing procedure as in steps S410 to S417 is executed between the terminal 120B and the server 110. Further, in step S430, the same processing procedure as in steps S410 to S417 is executed between the terminal 120C and the server 110.

In the second lending pattern, after the repayment deadline, the server 110 repays by performing subtraction processing from the account of each user's account according to the processing procedure described in the second embodiment. However, before the repayment deadline, any one user in the group may collectively be able to repay the amount borrowed by each user in the group.

In the second lending pattern, when there is a user who fails the examination among a plurality of users, the examination processing unit 316 drops the loan amount of the user who fails the examination among the plurality of users who wants to lend to the examination. You may make it examine again about lending to a user other than the user. A user other than the user who fails the examination selects, for example, the user having the highest credit rating described in the first embodiment, and the user has the desired loan amount and the loan of the user other than the user who fails the examination. The lending of the sum of the desired amount and the desired amount may be examined.

<Fourth Embodiment>
In the fourth embodiment, when the amount of money that the user desires to lend is smaller than the amount of money that the user judges to be lendable by the main examination, the user lends to the user from the amount of money that can be loaned to the user. By subtracting the desired amount, the upper limit of the amount of money that can be lent to the user is calculated, and products that can be purchased within the upper limit of the calculated amount are presented to the user (recommended). Further, when the user desires to purchase the product, a process of lending the sum of the price of the product and the amount the user wants to lend is performed.

According to the fourth embodiment, it is possible to prompt the user to borrow money. Further, according to the fourth embodiment, it is possible to recommend the purchase of a product to a user who wants to lend money by determining the upper limit of the loan amount in consideration of user attribute information and the like. Further, since the server performs a series of processes up to determining the upper limit of the loan amount and proposing a product, the series of processes can be smoothly performed. In addition, when the user receives a loan of money, the user can also purchase the product within the range of the repayment ability. Therefore, as compared with simply receiving the loan of money, the user can spend less money. It becomes possible to promote actions and contribute to the creation of a smoother society.

<Functional configuration of the fourth embodiment>
The functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. Points not specifically mentioned in FIG. 15 may be the same as those in the first embodiment.

The control unit 313 includes a reception unit 315, an examination processing unit 316, a notification unit 317, a loan processing unit 318, a repayment processing unit 319, a recommendation processing unit 330, and a purchase processing unit 331.

The user management DB according to the fourth embodiment includes information indicating which user each user has a predetermined relationship with.

Here, the predetermined relationship means that the server 110 stores a predetermined relationship between two or more users. By way of example and not limitation, the predetermined relationship may be a relationship that has approved mutual relationship building, a relationship in which at least one has offered to build a relationship, a relationship built based on user information, a relationship built based on user behavior, or a predetermined relationship. It may include a state in which the relationship is established by satisfying the condition. The relationship constructed based on user information may include a relationship in which users having one or more identical or similar user information are related to each other, and the relationship constructed based on user behavior is one or more. It may also include a relationship in which users having the same or similar user behavior are associated with each other.

Further, the user having a predetermined relationship with the user may be, for example, without limitation, all users having a predetermined relationship with the user, a predetermined number of users, or an intimacy degree. May be a user having a predetermined degree or higher.

Here, the degree of intimacy with the user within a predetermined period (may be a fixed period such as one month or two months, or a period from when a predetermined relationship is established to the present) The degree of intimacy may be determined so that the degree of intimacy increases in descending order of the amount of messages transmitted and received between them. Alternatively, the degree of intimacy may be determined so that the degree of intimacy increases in descending order of the number of transactions (including product sales, asset transmission/reception/exchange, etc.) performed between users within a predetermined period.

Further, the degree of intimacy may be a degree that the degree of intimacy is determined such that the degree of intimacy becomes higher as the length of the period from the establishment of the predetermined relationship to the present is longer. The length of the period from the establishment of the predetermined relationship to the present may be an absolute value or a relative value among one or more users having a predetermined relationship with the user.

In addition, the degree of intimacy means that for a plurality of other users who have a predetermined relationship with a user, the closer the other users are within a predetermined range from the position of the user, the higher the intimacy degree becomes. The degree may be determined. Further, the degree of intimacy is, for a plurality of users who have a predetermined relationship with a user, a relationship estimated based on the period from when the predetermined relationship was established until the present and the position information of each user (for example, family members). The degree of intimacy may be determined to be higher as the relationship is estimated to be higher.

Further, the degree of intimacy is the degree to which the degree of intimacy is determined such that the greater the number of users in common with the user (the number of common friends), the higher the degree of intimacy among a plurality of other users having a predetermined relationship with the user. It may be.

Also, the degree of intimacy is determined so that the higher the number of users who have a predetermined relationship with the user who is communicating with the user and who have a predetermined relationship with each other, the higher the degree of intimacy. It may be the degree to be performed.

The degree of intimacy is the degree of intimacy determined as the degree of similarity between the user's own attribute and each of the attributes of a plurality of users having a predetermined relationship with the user increases. Good. The user's attributes may be interest or interest, by way of example and not limitation.

The receiving unit 315 has a function of receiving a request from the user regarding a loan of money including the loan amount (first loan amount) that the user desires to lend.

The examination processing unit 316 has a function of calculating the upper limit of the amount that can be further loaned to the user, based on the loan amount that the user desires to lend and the user attribute information (annual income, loan of another company, etc.). The examination processing unit 316 may be referred to as a calculation unit. Note that the examination processing unit 316 may perform examination based on at least one of the user attribute information and the user behavior information, as in the first embodiment.

When the loan processing unit 318 receives an instruction from the user to purchase the product presented by the recommendation processing unit 330 to the user, the loan processing unit 318 provides the user with the loan amount that the user wants to loan and the price of the product. And lending a loan amount (second loan amount) with the total amount as a lower limit.

The recommendation processing unit 330 has a function of presenting to the user a product that can be purchased within the upper limit of the amount of money that can be further lent to the user calculated by the examination processing unit 316 (transmitted to the terminal 120 used by the user). Have. The recommendation processing unit 330 may include a transmission unit.

The purchase processing unit 331 has a function of performing various processes related to the user purchasing the product presented to the user by the recommendation processing unit 330.

<Operation processing of the fourth embodiment>
FIG. 16 is a diagram for explaining the amount of money that can be lent to the user. The example of FIG. 16 shows an example in which the amount determined to be lendable to the user as a result of the examination is the upper limit of the total amount regulation (regulation that borrowing cannot be borrowed for 1/3 or more of annual income). .. For example, if 1/3 of the user's annual income is X yen, the user's loan amount of another company is Y yen, and the desired loan amount of the user is Z yen, then for this user, X It is possible to lend-(Y+Z) yen. In this case, the recommendation processing unit 330 of the server 110 prompts the user to purchase the product by presenting the product information of the product that can be purchased for X-(Y+Z) yen or less to the user.

The recommendation processing unit 330 may determine the product to be presented to the user such that the price of the product to be presented to the user is less than the desired loan amount of the user.

In addition, the recommendation processing unit 330 indicates that the price of the product presented to the user is the average amount, the minimum amount, or the maximum amount of the successful bid amount of the product that the user has successfully bid in the past in the electronic commerce, or the successful bid amount of the product that has been successfully bid in the past. The merchandise may be determined such that the price is lower than the central price when the items are arranged in the order of price.

In addition, the recommendation processing unit 330 may determine the product to be presented to the user from the products for which the user has performed a predetermined reaction (for example, pressing “like”) in the social network service. ..

Further, the recommendation processing unit 330 may determine the product to be presented to the user from the products browsed or searched by the user on the website for electronic commerce. At this time, the product to be presented to the user may be determined from the products that the user has viewed the product more than a predetermined number of times (for example, three times or more). Alternatively, the product is presented to the user from the products which are priced by a predetermined ratio (for example, 10%) higher than the average price of the products purchased by the user in the past, and which the user browsed a predetermined number of times or more. You may make it determine the product to perform.

The product presented to the user by the recommendation processing unit 330 may include a service, a product, or a coupon provided by a company that manages the server 110 or a third party. As an example of a coupon, a coupon for a product or service provided by a third party may be received. For example, if there is a service that normally costs 50,000 yen for a service that costs 30,000 yen by using a coupon, present the coupon as a product to be presented to the user, and additionally borrow 30,000 yen. You may make it display the message which urges you to the screen of the terminal 120. The coupon presented by the recommendation processing unit 330 to the user may be a coupon that can be used within a predetermined range from the current position of the terminal 120.

In addition, the loan processing unit 318 determines that, among the users who have established a predetermined relationship with the user, there is a user who receives a loan exceeding the loan amount (first loan amount) that the user desires to lend, It may have a function of presenting the loan amount to the user. This makes it possible to promote the consumer's consumption behavior and contribute to the creation of a smoother society.

1 communication system 10 server 100 communication system 110 server 110A server 110B server 120 terminal 120A terminal 120B terminal 120C terminal 120X terminal 130 network 140 credit institution system 150 bank system 200 information processing device 201 processor 202 memory 203 storage 204 input/output interface (input/output) I/F)
205 Communication interface (communication I/F)
313 control unit 314 storage unit 315 reception unit 316 examination processing unit 317 notification unit 318 loan processing unit 319 repayment processing unit 323 control unit 324 storage unit 325 transmission unit 326 reception unit 327 UI (User Interface) unit 328 position information measurement unit 330 recommendation processing Department 331 Purchase processing department

Claims (7)

An information processing method performed by an information processing device,
A step of accepting a request for monetary loan from a group including a plurality of users,
Conducting a screening of lending money to one of the plurality of users or to each of the plurality of users;
Lending money to each of the one user or the plurality of users when the examination is completed;
Receiving a repayment of the loaned money from at least one user of the plurality of users. The request includes a loan amount desired to be loaned,
In the step of performing the examination, the one user is examined as a user who lends the loan amount, and other users than the one user are guarantors or joint guarantors that guarantee the repayment of the loan amount. Conduct a review,
The information processing method according to claim 1, wherein in the lending step, when the examination for the one user and the other user is completed, the loan amount is loaned to the one user. In the lending step, when the one user has passed the examination and at least one of the other users has passed the examination, the loan amount is loaned to the one user. The information processing method according to claim 2, which is performed. The request includes a loan amount that each of the plurality of users desires to lend,
In the step of conducting the examination, for each of the plurality of users, an examination is conducted for lending a loan amount desired by each user,
The method of claim 1, wherein the lending step lends a loan amount desired by each user to each of the plurality of users when the examination for each of the plurality of users is completed. Information processing method. In the step of conducting the examination, if there is a user who fails the examination among the plurality of users, the loan amount of the user who fails the examination among the plurality of users who wants to lend is a user other than the user who fails the examination. The information processing method according to claim 4, wherein the information processing method examines lending to the user. In the information processing device,
A step of accepting a request for monetary loan from a group including a plurality of users,
Conducting a screening of lending money to one of the plurality of users or to each of the plurality of users;
Lending money to each of the one user or the plurality of users when the examination is completed;
And a step of accepting repayment of the loaned money from at least one of the plurality of users. A reception unit that receives requests for money lending from a group including multiple users,
An examination processing unit that conducts an examination about lending money to one of the plurality of users or to each of the plurality of users,
A loan processing unit for lending money to the one user or each of the plurality of users when the examination is completed,
An information processing apparatus comprising: a repayment processing unit that accepts repayment of loaned money from at least one user of the plurality of users.