JP6472915B1 - Information processing device - Google Patents

Abstract

Information related to credit transactions is appropriately distributed to each user.
A credit estimation unit 11 estimates the credit of a user in a credit transaction for each user. The demand estimation unit 12 estimates the demand for credit transactions for each user. The classification unit 13 classifies a plurality of users into a plurality of user layers based on the estimated creditworthiness and demand. The distribution unit 14 distributes the information related to the credit transaction to the user terminals 20 used by the users belonging to each classified user layer by a distribution method according to each user layer. The distribution method according to each user layer is a method for distributing information related to credit transactions of the type or condition selected according to each user layer, for example. The distribution method according to each user layer is a method of distributing information via a communication medium selected according to each user layer, for example.
[Selection] Figure 8

Description

  The present invention relates to a technique for distributing information related to credit transactions.

  For example, Patent Document 1 discloses “condition 1” to “condition 3” and “card loan” for determining whether or not there is a degree of payment capability of “card loan”. Using “Condition 4” to “Condition 6” for determining whether or not there is a degree that can be used, and selling card loans to customers who satisfy all of “Condition 1” to “Condition 6” Have been described.

Japanese Patent Laying-Open No. 2015-92369

  By the way, there are various types of credit transactions in terms of transaction types such as card loans and cashing, and transaction conditions such as loan amount and loan interest rate.

  Here, depending on the user's creditworthiness in the credit transaction and the user's demand for the credit transaction, it is considered that the types and conditions of the credit transaction appropriate for each user are different. Also, depending on the user's credit rating in credit transactions and the user's demand for credit transactions, it is considered that how appropriate it is to guide each user about information related to credit transactions such as explanation information of financial products, etc. . In addition, even if information related to credit transactions is guided to a user who is less likely to perform credit transactions, the effect of the guidance is considered to be low.

  The present invention has been made in view of such a background, and an object thereof is to appropriately distribute information related to credit transactions to each user.

To solve the above problems, the present invention is the possibility of Oite the user credit transactions for each user to meet its obligations is the size, the creditworthiness of the user, the first to derive the credit A credit estimation unit that estimates based on an algorithm, and for each of the users , a demand that is the strength of the user's intention to perform a credit transaction is estimated based on a second algorithm for deriving the demand A demand estimation unit; a classification unit that classifies the plurality of users into a plurality of user layers based on the combination of the estimated creditworthiness and the demand ; and a user terminal that is used by a user belonging to each classified user layer to, information related to the credit transaction, a distribution unit for distributing the delivery method corresponding to each said user layer, selected according to the user layer To provide an information processing apparatus, characterized in that it comprises a distribution unit which distributes information including the type or condition of credit transactions.

The credit estimator estimates the credit quality common to multiple types of credit transactions or conditions of credit transactions, and the demand estimator is common to multiple types of credit transactions or multiple conditions of credit transactions. The demand is estimated, and the distribution unit selects a type of credit transaction selected according to each user layer classified based on the creditworthiness and demand common to a plurality of types of credit transactions or a plurality of conditions of credit transactions, or Information including conditions may be distributed.

  The distribution unit may distribute the information via a communication medium selected according to each user layer.

  The distribution unit may distribute the information at a time, number of times, or frequency according to each user layer.

  The distribution unit may distribute the information to a user terminal of a user who is in a position corresponding to each of the user layers.

  The distribution unit may learn the distribution method according to the user layer to which the user belongs based on the presence / absence of a credit transaction application from the user to which the information is distributed.

When there is an application for a credit transaction from the user to whom the information has been distributed, the estimated credit rating and the declaration information declared by the user, the type or condition of the credit transaction desired by the user For examination work to examine whether or not to perform a credit transaction of the type or condition desired by the user with the user based on the declaration information included and the credit information obtained from the credit institution with permission from the user You may make it provide the process part which performs this process.

  The credit estimation unit or the demand estimation unit may learn a method for performing the estimation based on a result of the examination work.

  The credit estimator or the demand estimator may perform the estimation using an information group including the user location information.

  The reliability estimation unit or the demand estimation unit may perform the estimation using an information group including a usage history of the user terminal.

  According to the present invention, it is possible to appropriately distribute information related to credit transactions to each user.

It is a figure which illustrates the composition of the information processing system concerning one embodiment of the present invention. It is a block diagram which shows an example of the hardware constitutions of information processing apparatus. It is a figure which shows an example of the communication contract customer database memorize | stored in information processing apparatus. It is a figure which shows an example of the financial service customer database memorize | stored in information processing apparatus. It is a figure which shows an example of the user terminal database memorize | stored in information processing apparatus. It is a figure which shows an example of the user layer database memorize | stored in information processing apparatus. It is a figure which shows an example of the credit transaction database memorize | stored in information processing apparatus. It is a block diagram which shows an example of a function structure of information processing apparatus. It is a conceptual diagram which shows an example of the classification of a user layer. It is a flowchart which shows an example of operation | movement of an information processing system. It is a flowchart which shows an example of operation | movement of an information processing system.

[Constitution]
FIG. 1 is a diagram illustrating a configuration of an information processing system 1 according to the present embodiment. The information processing system 1 includes an information processing device 10 that performs a process related to a credit transaction with a user, a user terminal 20 that is operated by the user, and a network 90 that connects the information processing device 10 and the user terminal 20 so as to communicate with each other. I have. The network 90 is, for example, a LAN (Local Area Network), a WAN (WIDe Area Network), or a combination thereof, and includes a wired section or a wireless section. The radio section follows, for example, LTE (Long Term Evolution) standards. Note that the numbers of the information processing apparatuses 10 and the user terminals 20 illustrated in FIG. 1 are merely examples, and are not limited to the illustration in the figure. The credit transaction in the present embodiment is typically an unsecured loan such as a card loan, cashing or revolving payment, but is not limited to this example, and any credit transaction can be used. Good.

  The user terminal 20 is typically a mobile computer such as a smartphone or a tablet, but is not limited thereto, and is a personal computer such as a notebook or desktop type, or a wearable computer such as a glass type or a head mounted display type. May be. The user terminal 20 includes, for example, a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), an auxiliary storage device, a communication IF, a display unit, and an operation unit. The CPU is a processor that performs various calculations. The ROM is a non-volatile memory that stores a program and data used for starting the user terminal 20, for example. The RAM is a volatile memory that functions as a work area when the CPU executes a program. The auxiliary storage device is a nonvolatile storage device such as an HDD (Hard Disk Drive) or an SSD (Solid State Drive), and stores programs and data used in the user terminal 20. When the CPU executes this program, the user terminal 20 functions as a computer device. The communication IF is an interface for performing communication via the network 90 according to a predetermined communication standard. This communication standard may be a wireless communication standard or a wired communication standard. In the case of wireless, the communication IF includes an antenna and a communication circuit that operate according to a communication standard such as LTE (Long Term Evolution) or Wi-Fi (registered trademark). The display unit includes, for example, a liquid crystal panel and a liquid crystal driving circuit, and displays an image corresponding to the image data. The operation unit includes an operation element such as a key or a touch sensor, for example, receives a user operation and supplies a signal corresponding to the operation to the CPU. In addition to the above, the user terminal 20 may include other configurations such as a GPS (Global Positioning System) unit and a voice input / output unit.

  FIG. 2 is a diagram illustrating a hardware configuration of the information processing apparatus 10. The information processing apparatus 10 is a computer apparatus having a CPU 101, a ROM 102, a RAM 103, an auxiliary storage device 104, and a communication IF 105. The information processing apparatus 10 is managed by, for example, a communication carrier that provides a communication service via the network 90 to the user terminal 20. In addition to providing communication services to users, this communication carrier provides various services such as financial services and insurance services.

  The CPU 101 is a processor that performs various calculations. The ROM 102 is a non-volatile memory that stores programs and data used for starting up the information processing apparatus 10, for example. The RAM 103 is a volatile memory that functions as a work area when the CPU 101 executes a program. The auxiliary storage device 104 is a nonvolatile storage device such as an HDD or an SSD, and stores programs and data used in the information processing apparatus 10. When the CPU 101 executes this program, the functions shown in FIG. 8 to be described later are realized. The communication IF 105 is an interface for performing communication via the network 90 in accordance with a predetermined communication standard. The information processing apparatus 10 may include other configurations such as a display unit and an operation unit in addition to the configuration illustrated in FIG.

  The auxiliary storage device 104 includes a contract customer database (hereinafter abbreviated as DB) including information on the contract and usage status of a user who has a contract for using a communication service via the network 90, as illustrated in FIG. Remember). In this contract customer DB, for example, for each user ID for identifying a user, a communication service contract type, a communication service contract period, a communication service usage fee history, a communication service usage fee arrears count, a communication service group contract ( Family contract, etc.) Corresponds to the number of lines, the average period of model change of the user terminal 20, the match / mismatch of the user's declared address and the estimated address, the estimated working time of the user, the estimated travel distance of the user, the usage history of the user terminal 20, etc. It is attached. The user address / estimated address match / mismatch, the user's estimated working hours, and the user's estimated travel distance are estimated by regularly tracking the positioning position of the user terminal 20 in addition to the report contents from the user. obtain. The usage history of the user terminal 20 is a history that the user has used any service, application, or function by using the user terminal 20, for example, a content reference history, an operation history on the application, an application installation / uninstallation history. This includes various things such as the arrangement and arrangement of icons in the user terminal 20 and a search word history. These histories are acquired from the user terminal 20.

  In addition, the auxiliary storage device 104 includes a financial service customer DB including information on a customer (user) of a financial service that is one of services provided by a communication carrier to a communication service contractor, as illustrated in FIG. I remember it. In this financial service DB, for example, the usage status of a credit card included in the financial service, the balance of electronic money, and the like are associated with each user ID for identifying a user. In addition, the financial service DB may include a settlement history, a remittance history, a bank account deposit / withdrawal history, and the like that are settled together with a communication fee by a communication carrier.

  Further, the auxiliary storage device 104 stores a user terminal DB including information on the user terminal 20 as illustrated in FIG. In this user terminal DB, for each terminal ID of the user terminal 20, the user ID of the user, the location information history of the user terminal 20, and the like are associated.

  In addition, the auxiliary storage device 104 stores a distribution method DB related to a distribution method for distributing information related to credit transactions as exemplified in FIG. In this distribution method DB, for each user layer ID of a user layer to which a user belongs, information indicating the type and condition of credit transaction distributed to the user and information related to the credit transaction are distributed to the user terminal 20 Is associated with information indicating a communication medium to be used. This user group classification will be described in detail later.

  In addition, the auxiliary storage device 104 stores a credit transaction DB including information related to a user of credit transactions as illustrated in FIG. In this credit transaction DB, for each user ID for identifying a user, the user layer ID of the user layer to which the user belongs, and the credit transaction application status or examination history by the user are associated. Note that the information included in each DB described above is not limited to the examples in FIGS. 3 to 7, and which information is included in which DB is arbitrarily determined. For example, the match / mismatch between the user's reported address and the estimated address in FIG. 3, the user's estimated working time, and the user's estimated travel distance may be included in the user terminal DB in FIG. 5.

  FIG. 8 is a block diagram illustrating an example of a functional configuration of the information processing apparatus 10. When the CPU 101 of the information processing device 10 reads and executes a program stored in the auxiliary storage device 104, the information processing device 10 includes the credit estimation unit 11, the demand estimation unit 12, the classification unit 13, the distribution unit 14, and the processing The function of the unit 15 is realized.

  The credit estimator 11 estimates the credit of the user in the credit transaction for each user using the databases illustrated in FIGS. Credit rating in credit transactions here refers to the magnitude of the possibility that the user will fulfill the debt in the credit transaction, or the possibility that the telecommunications carrier will not lose the loan. This is a concept corresponding to a credit score.

  The demand estimation part 12 estimates the demand of credit transaction about each user using the database illustrated in FIGS. Here, the demand for credit transactions means the magnitude of the possibility that each user will perform a credit transaction, or the strength of the user's intention to perform a credit transaction. The demand for such credit transactions includes not only the demand of users who have not yet performed credit transactions, but also the demand of users who have already performed credit transactions.

  The relationship between the database illustrated in FIGS. 3 to 5 and the creditworthiness of the user in the credit transaction for each user, and the relationship between the database illustrated in FIGS. 3 to 5 and the demand for the credit transaction of each user are as follows: Identified using multivariate analysis to identify causal relationships between factors and results.

  That is, when each information included in the database illustrated in FIGS. 3 to 5 is an explanatory variable and each user's credit is an objective variable, the causal relationship between the two is clarified using regression analysis or the like. Therefore, the credit estimation unit 11 generates an algorithm for deriving each user's credit from each information included in the database illustrated in FIG. 3 to FIG. 5 based on a sample of explanatory variables and objective variables prepared in advance. In addition, the reliability of each user is estimated using this algorithm.

  Moreover, when each information contained in the database illustrated in FIGS. 3 to 5 is an explanatory variable and the demand of each user's credit transaction is an objective variable, the causal relationship between the two is clarified using regression analysis or the like. Become. For this reason, the demand estimation unit 12 derives the demand of each user's credit transaction from each information included in the database illustrated in FIGS. 3 to 5 based on a sample of explanatory variables and objective variables prepared in advance. An algorithm is generated, and the demand of each user is estimated using this algorithm.

  The classification unit 13 classifies a plurality of users into a plurality of user layers based on the estimated creditworthiness and demand of each user. Here, FIG. 9 is a conceptual diagram showing an example of the classification of the user layer. In this example, a user who belongs to a threshold value ATh1 or higher and a threshold value BTh1 or higher is a user layer ID: UD001, and a user who belongs to a threshold value ATh1 or higher and less than a threshold value BTh1 is a user layer ID UD002. A user class is a user class ID: UD003, and a user who belongs to the threshold value ATh2 of the trustworthiness threshold ATh2 or more and the demand threshold value BTh1 or more belongs to the user class ID: UD003 and belongs to the threshold value ATh1 of the trustworthiness threshold ATh2 or less and less than the threshold value BTh1 of the demand. A user is a user layer with a user layer ID: UD004, and a user who is less than the trust threshold ATh2 is a user layer with a user layer ID: UD005. That is, depending on the combination of creditworthiness and demand, the credit transaction is classified into a plurality of user groups having different properties. Note that the classification of FIG. 9 is merely an example, and the present invention is not limited to this example.

  The distribution unit 14 distributes the information related to the credit transaction to the user terminals 20 used by the users belonging to each classified user layer by a distribution method according to each user layer. The distribution method according to each user layer is, for example, a method for distributing information on a credit transaction of the type or condition selected according to each user layer, and thereby the user can select an optimal financial product for the user layer. Can be guided to. For example, information that guides financial products having a large credit amount or a long credit period is distributed to the user layer of the user layer ID: UD001, UD002, and the credit amount is transmitted to the user layer of the user layer ID: UD003, UD004. An example in which information that guides financial products with a small credit period or a short credit period is distributed and information is not distributed to the user layer with the user layer ID UD005 is considered. However, the type or condition of the credit transaction according to each user layer is not limited to this example.

  Moreover, the delivery method according to each user layer also includes a method of delivering information via a communication medium selected according to each user layer, for example. The communication medium here is, for example, mail, SMS (Short Message Service), WEB site menu guidance, video, banner advertisement (including an ad network), and the like. For example, for the user layer ID: UD001, UD003, information is delivered using email or SMS that is expected to appeal to each user individually and directly for the merchantability of financial products, Information is distributed to the user layer of the user layer ID: UD002 and UD004 using a WEB site utilizing article advertisement in consideration of customer development, and information is transmitted to the user layer of the user layer ID: UD005. An example of not delivering is conceivable. However, the communication medium according to each user layer is not limited to this example. In addition, the delivery method according to each user layer also contains the delivery method from which the expression method and content of the text and image which appeal to a user differ.

  As described above, users are filtered based on the creditworthiness and demand of each user, but in the present embodiment, this is treated as a pre-examination. When there is an application for a credit transaction from a user to whom information has been distributed through this preliminary examination, a final examination for proceeding to the next stage is performed. This final examination also uses the reporting information reported by the user or the credit information obtained from an external credit agency (for example, the National Bank Personal Credit Information Center or the Japan Credit Information Organization) with permission from the user, It is the examination work to examine whether or not to perform credit transactions with the user.

  The processing unit 15 shown in FIG. 8 has a credit level estimated by the credit level estimation unit 11 and reporting information reported by the user or permission by the user when a credit transaction application is made by the user to whom the information is distributed. Based on the credit information obtained from the credit institution, the processing for the examination work for examining whether or not to perform the credit transaction with the user is performed. The process for the review work is for the examiner who conducts the final review, for example, outputting the estimated creditworthiness and obtaining from the credit agency with the report information declared by the user or the permission of the user This is a process for outputting credit information. In addition, when the main examination is an automatic examination by the system, the process for the examination work may be an input process of necessary information to the system that automatically performs the examination process, or the automatic process thereof. This examination work itself may be sufficient.

[Operation]
An example of the operation of the information processing system 1 will be described with reference to FIGS.
[Information distribution operation]
In FIG. 10, when the predetermined processing start time arrives, the credit estimation unit 11 uses the database exemplified in FIGS. 3 to 5 and the algorithm described above to calculate the credit of the user in the credit transaction for each user. Estimate (step S11).

  Next, the demand estimation part 12 estimates the demand of credit transaction about each user using the database illustrated in FIGS. 3-5 and the algorithm mentioned above (step S12).

  Next, the classification unit 13 classifies all users into a plurality of user layers based on the estimated credit and demand of each user according to the concept illustrated in FIG. 9 (step S13).

  Next, using the database illustrated in FIG. 6, the distribution unit 14 distributes information related to credit transactions to the user terminals 20 used by users belonging to each user layer according to each user layer. (Step S14). The user can know the financial product guided by this information by browsing this information on his / her user terminal 20.

[Main Screening Operation]
In FIG. 11, when there is an application for a credit transaction using the user terminal 20 from the user to whom the information is distributed, the processing unit 15 receives the application (step S21). For this application, the user agrees to obtain the user's credit information from an external credit agency, in addition to the report information reported by the user (various attributes of the user, the type of credit transaction desired, and its conditions, etc.) Information indicating that the action has been taken is included.

  Next, the processing unit 15 is based on the reliability estimated in step S11 for the user and the reporting information reported by the user or the credit information acquired from the credit agency with the permission of the user, Processing for examination work for examining whether or not to perform a credit transaction with the user is performed (step S22).

  Next, the processing unit 15 acquires the result of the main examination performed by the examiner from the input on the operation terminal of the examiner (step S23).

  Next, the processing unit 15 stores the result of this examination in the credit transaction DB illustrated in FIG. 7 and transmits it to the user terminal 20 of the user who applied for the credit transaction (step S24). The user can know the success or failure of the credit transaction by viewing this result on his / her user terminal 20. If the main screening is an automatic screening by the system, the processing unit 15 automatically inputs necessary information for the system that performs the main screening work, obtains the screening results, and applies for credit transactions. To the user terminal 20. Further, the processing unit 15 itself may perform the main examination work, acquire the examination result, and transmit it to the user terminal 20 of the user who applied for the credit transaction.

  According to the embodiment described above, it is possible to appropriately distribute information related to credit transactions according to the creditworthiness and demand of each user. In this case, not only information distribution to users who are not conducting credit transactions, but also information distribution relating to an increase in the amount of credit transactions and new credit transactions can be performed to users who have already performed credit transactions. Furthermore, it is possible to eliminate waste such as guiding information related to credit transactions to a user who is less likely to perform credit transactions. Further, since the relationship between the user's creditworthiness or demand and the distribution method of information related to the credit transaction is optimized by multivariate analysis, the possibility of closing the credit transaction for the information distribution is improved.

[Modification]
The present invention is not limited to the embodiment described above. The embodiment described above may be modified as follows. Moreover, you may implement combining the following two or more modifications.

[Modification 1]
The distribution unit 14 may distribute information at a time, number of times, or frequency according to each user layer. It can be considered that there is a causal relationship in terms of what kind of effect is provided to the information provision if information is delivered to which user group at what time, number of times or frequency. For example, it is better to distribute information related to credit transactions during a time zone where the user is using money (for example, after a holiday or working hours) than to distribute information during a time zone other than such a time zone. It is assumed that the effect is high. In addition, it is more effective to distribute information to a certain user layer many times, whereas it is not effective to distribute information to another user layer many times. Is also envisaged. In this case, for example, when the time, frequency, or frequency of information delivery to the user is an explanatory variable, and the presence / absence of a credit transaction application from the user is an objective variable, the causal relationship between the two is clarified using regression analysis or the like. Therefore, the distribution unit 14 may determine the timing, number of times, or frequency of information distribution to each user layer so that the causal relationship is increased. According to this modification, the possibility of closing a credit transaction for information distribution is improved.

[Modification 2]
The distribution unit 14 may distribute information to the user terminals 20 of users who belong to the user layer at a position corresponding to each user layer. It can be considered that there is a certain causal relationship in terms of what kind of effect is achieved if information is distributed to which user layer. For example, for a certain user segment, it is better to distribute information related to credit transactions to a place other than such a place when the user is in a place where money is used (for example, a shopping mall or a sightseeing spot). It ’s more effective than delivering information when you ’re there, but for other audiences, it ’s better to deliver information about credit transactions when you ’re in another place (eg, at home). Cases where the effect is higher than when information is distributed when in a place are assumed. In this case, for example, when the position of the user (user terminal 20) when the information distribution is provided is an explanatory variable, and the presence or absence of a credit transaction application from the user is an objective variable, both using regression analysis or the like Therefore, the distribution unit 14 may determine the position of information distribution for each user layer so that the causal relationship becomes large. According to this modification, the possibility of closing a credit transaction for information distribution is improved.

[Modification 3]
The distribution unit 14 may learn a distribution method according to the user layer to which the user belongs based on the presence / absence of a credit transaction application from the user to whom the information is distributed. In other words, when the distribution method according to the user layer is an explanatory variable and the presence / absence of application for credit transaction is an objective variable, the causal relationship between the two is clarified using regression analysis or the like. Based on the above, the distribution method corresponding to the user layer is specified. In this way, there is a possibility that there is a credit transaction application from a user to whom information has been distributed by learning from the presence or absence of a credit transaction application from a user and optimizing the distribution method according to the user layer to which the user belongs It can be expected to increase sex.

[Modification 4]
The reliability estimation unit 11 may learn a method for estimating the reliability based on the result of the main examination. In other words, when the method of estimating credit quality is used as an explanatory variable and the result of the review work (whether or not this review is possible) is used as an objective variable, the causal relationship between the two is clarified using regression analysis. Based on this, the estimation unit 11 specifies a method for estimating the credit rating. In this way, by learning from the results of the main examination and optimizing the method of estimating the creditworthiness, it can be expected to improve the accuracy of the preliminary examination.

[Other variations]
The block diagram used in the description of the above embodiment shows functional unit blocks. These functional blocks (components) are realized by any combination of hardware and / or software. Further, the means for realizing each functional block is not particularly limited. That is, each functional block may be realized by one device physically and / or logically coupled, and two or more devices physically and / or logically separated may be directly and / or indirectly. (For example, wired and / or wireless) and may be realized by these plural devices. For example, at least a part of the functions of the information processing device 10 may be implemented in the user terminal 20 or other devices.

  Each aspect / embodiment described herein includes LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G, 5G, FRA (Future Radio Access), W-CDMA. (Registered trademark), GSM (registered trademark), CDMA2000, UMB (Ultra Mobile Broadband), IEEE 802.11 (Wi-Fi), IEEE 802.16 (WiMAX), IEEE 802.20, UWB (Ultra-Wide Band) , Bluetooth (registered trademark), systems using other appropriate systems, and / or next-generation systems extended based on them may be applied.

As long as there is no contradiction, the order of the processing procedures, sequences, flowcharts, and the like of each aspect / embodiment described in this specification may be changed. For example, the methods described herein present the elements of the various steps in an exemplary order and are not limited to the specific order presented.
Each aspect / embodiment described in this specification may be used independently, may be used in combination, or may be switched according to execution. In addition, notification of predetermined information (for example, notification of being “X”) is not limited to explicitly performed, but is performed implicitly (for example, notification of the predetermined information is not performed). Also good.

  As used herein, the terms “system” and “network” are used interchangeably.

  The information or parameters described in the present specification may be represented by absolute values, may be represented by relative values from a predetermined amount, or may be represented by other corresponding information. For example, the radio resource may be indicated by an index.

  The names used for the parameters described above are not limiting in any way. Further, mathematical formulas and the like that use these parameters may differ from those explicitly disclosed herein. Since various channels (eg, PUCCH, PDCCH, etc.) and information elements (eg, TPC, etc.) can be identified by any suitable name, the various names assigned to these various channels and information elements are However, it is not limited.

  As used herein, the terms “determining” and “determining” may encompass a wide variety of actions. “Decision” and “determination” are, for example, judgment, calculation, calculation, processing, deriving, investigating, looking up (eg, table) , Searching in a database or another data structure), ascertaining what has been confirmed, etc. Also, “determination” and “determination” are reception (for example, receiving information), transmitting (for example, transmitting information), input (input), output (output), access (Accessing) (for example, accessing data in a memory) may be considered as “determining” or “determining”. Also, “determination” and “determination” means that “resolving”, selection (selecting), selection (choosing), establishment (establishing), comparison (comparing), etc. are regarded as “determination” and “determination”. May be included. That is, “determination” and “determination” may include assuming that some operation is “determination” and “determination”.

  The present invention may be provided as an information processing method including steps of processing performed in the information processing apparatus 10. In addition, the present invention may be provided as a program executed in the information processing apparatus 10. Such a program may be provided in a form recorded on a recording medium such as an optical disc, or may be provided in a form such that the program is downloaded to a computer via a network such as the Internet, and the program can be installed and used. Is possible.

  Software, instructions, etc. may be transmitted and received via a transmission medium. For example, software may use websites, servers, or other devices using wired technology such as coaxial cable, fiber optic cable, twisted pair and digital subscriber line (DSL) and / or wireless technology such as infrared, wireless and microwave. When transmitted from a remote source, these wired and / or wireless technologies are included within the definition of transmission media.

  Information, signals, etc. described herein may be represented using any of a variety of different technologies. For example, data, commands, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description are voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, light fields or photons, or any of these May be represented by a combination of

  The terms described in this specification and / or terms necessary for understanding this specification may be replaced with terms having the same or similar meaning. For example, the channel and / or symbol may be a signal. The signal may be a message. Further, the component carrier (CC) may be called a carrier frequency, a cell, or the like.

  Any reference to elements using the designations “first”, “second”, etc. as used herein does not generally limit the amount or order of those elements. These designations can be used herein as a convenient way to distinguish between two or more elements. Thus, a reference to the first and second elements does not mean that only two elements can be employed there, or that in some way the first element must precede the second element.

  The “means” in the configuration of each apparatus described above may be replaced with “unit”, “circuit”, “device”, and the like.

  As long as the terms “including”, “comprising”, and variations thereof are used in this specification or the claims, these terms are inclusive of the term “comprising”. Intended to be Further, the term “or” as used herein or in the claims is not intended to be an exclusive OR.

  Throughout this disclosure, if articles are added by translation, for example, a, an, and the in English, these articles are clearly not otherwise indicated by context, Including multiple things.

  Although the present invention has been described in detail above, it will be apparent to those skilled in the art that the present invention is not limited to the embodiments described herein. The present invention can be implemented as modified and changed modes without departing from the spirit and scope of the present invention defined by the description of the scope of claims. Therefore, the description of the present specification is for illustrative purposes and does not have any limiting meaning to the present invention.

DESCRIPTION OF SYMBOLS 1 ... Information processing system, 10 ... Information processing apparatus, 11 ... Reliability estimation part, 12 ... Demand estimation part, 13 ... Classification part, 14 ... Distribution part, 15 ... Processing part, 20 ... User terminal, 90 ... Network, 101 ... CPU, 102 ... RAM, 103 ... ROM, 104 ... auxiliary storage device, 105 ... communication IF.

Claims (10)

Oite the user to credit transactions for each user is the magnitude of the potential to meet its obligations, and credit estimation unit the credit of the user is estimated based on the first algorithm for deriving the credit,
For each of the users, a demand estimation unit that estimates a demand that is the strength of the user's intention to perform a credit transaction based on a second algorithm for deriving the demand;
A classification unit that classifies the plurality of users into a plurality of user groups based on the combination of the estimated creditworthiness and the demand;
A distribution unit that distributes information related to credit transactions to user terminals used by users belonging to each classified user layer by a distribution method according to each of the user layers, and according to the user layer And a distribution unit that distributes information including the type or condition of the credit transaction selected in this manner . The credit quality estimation unit estimates the common credit quality in a plurality of types of credit transactions or a plurality of conditions of credit transactions;
The demand estimation unit estimates the common demand in a plurality of types of credit transactions or a plurality of conditions of credit transactions,
The distribution unit distributes information including a type or condition of a credit transaction selected according to each user layer classified based on the credit quality and demand common to a plurality of types of credit transactions or a plurality of conditions of credit transactions. Do
The information processing apparatus according to claim 1. The information processing apparatus according to claim 1, wherein the distribution unit distributes the information via a communication medium selected according to each user layer. The information processing apparatus according to claim 1, wherein the distribution unit distributes the information at a time, number of times, or frequency according to each of the user layers. The information processing apparatus according to claim 1, wherein the distribution unit distributes the information to a user terminal of a user who is in a position corresponding to each of the user layers. The said delivery part learns the said delivery method according to the said user layer to which the said user belongs based on the presence or absence of the application of the credit transaction from the said user to whom the said information was delivered. 6. The information processing apparatus according to any one of 5 above. When there is an application for a credit transaction from the user to whom the information has been distributed, the estimated credit rating and the declaration information declared by the user, the type or condition of the credit transaction desired by the user For examination work to examine whether or not to perform a credit transaction of the type or condition desired by the user with the user based on the declaration information included and the credit information obtained from the credit institution with permission from the user The information processing apparatus according to claim 2 , further comprising: a processing unit that performs the process. The information processing apparatus according to claim 7, wherein the credit estimation unit learns a method of performing the estimation based on a result of the examination work. The information processing apparatus according to any one of claims 1 to 8, wherein the credit estimation unit or the demand estimation unit performs the estimation using a group of information including location information of the user. The information processing apparatus according to claim 1, wherein the credit estimation unit or the demand estimation unit performs the estimation using an information group including a usage history of the user terminal.

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