JP6755987B2 - Information processing programs, information processing terminals, information processing methods, and information processing equipment - Google Patents

Description

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

Conventionally, there has been known a technique for making it easier for a terminal user to visually recognize a credit score by displaying a graph of the credit score of an object such as a user or a store on the screen of an information processing terminal and visualizing it (for example, a patent). See Document 1).

JP-A-2009-230248

However, in the conventional credit score visualization method, the credit score is only displayed as a graph. For example, even if the user wants to change his / her own credit score, what kind of action should be taken to change it to the desired score. There is room for improvement in the use of the credit score graph display, such as whether it can be done or not.

An object of the present disclosure is to provide a technique capable of more effectively utilizing the graph display of credit scores.

The information processing program according to the embodiment of the present disclosure includes a step of displaying a credit score of the user and a first graph showing a plurality of parameters included in the credit score on an information processing terminal used by the user, and the user. In response to the operation of improving the value of one of the plurality of parameters, the step of displaying the information of the action of reducing the value of the manipulated parameter and calling attention not to perform the action of reducing the value. To execute.

It is a figure which shows the structure of the communication system which concerns on one Embodiment of this disclosure. It is a figure which shows an example of the hardware composition of the server and the terminal which concerns on embodiment. It is a figure which shows an example of the block diagram which shows the functional structure of the server and the terminal which concerns on embodiment. It is a figure which shows an example of the processing sequence of the communication system which concerns on 1st Embodiment. It is a figure which shows an example of the screen transition of the terminal in the action proposal processing of 1st Example of 1st Embodiment. It is a figure which shows an example of another form of the graph display of a credit score. It is a figure which shows an example of another form of the graph display of a credit score. It is a figure which shows an example of another form of the graph display of a credit score. It is a figure which shows an example of the screen transition of the terminal in the action proposal processing of 2nd Example. It is a figure which shows an example of the processing sequence of the communication system which concerns on 2nd Embodiment. It is a figure which shows an example of the screen transition of the terminal in the credit score display processing of 1st Example of 2nd Embodiment.

<Law compliance>
The disclosures described herein, if implemented, shall be made in compliance with the laws and regulations of each country in which this disclosure is implemented. In addition, the disclosures described herein are made with all modifications, substitutions, modifications, alterations, and amendments that can be made by those skilled in the art necessary to comply with national legislation.

A form for carrying out visualization of the credit score that can improve the convenience of the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 is a diagram showing 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, the server 110A and the server 110B are connected to the terminal 120A, the terminal 120B, and the terminal 120C via the 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 between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C are referred to as a terminal 120 (an example of an "information processing terminal"). It may be expressed.

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 referred to as an information processing device 200, respectively. The number of information processing devices 200 connected to the network 130 is not limited to the example shown in FIG.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. Prescribed services are not limited to, for example, payment services, financial services, electronic commerce services, SNS (Social Networking Service) represented by messaging services using instant messenger, etc., content provision services such as songs, videos, books, etc. including. 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 terminal 120 is, for example, a terminal such as a user's smartphone, and splits the bill using a payment service or the like provided by the server 110.

In the present disclosure, the settlement service means a service that allows one or more users to give and receive money or money equivalents. Not limited, but as an example, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (Hereafter, the one-dimensional code and the two-dimensional code are collectively referred to as "two-dimensional code, etc." A service that makes payments using 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 makes a payment by reading a two-dimensional code or the like is expressed as "user-readable code payment" or "MPM (Merchant Presented Mode)" and payment is made. The terminal 120 of the user who performs the payment displays the two-dimensional code or the like, and the terminal 120 of the user (seller, claimant) such as the store who charges the price reads the displayed two-dimensional code or the like to make a payment. This is expressed as "store-reading code payment" or "CPM (Consumer Presented Mode)". The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X is expressed as the terminal 120X, and the user information in the predetermined service associated with the user X or the terminal 120X is expressed as the user information X. The user information is user information associated with an account used by the user in a predetermined service. The user information is not limited but, as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's taste. It includes information associated with the user such as taste and user identifier, balance information of electronic value (electronic money) associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one or a combination of the above may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 means a communication network that provides a connection route so that data can be transmitted and received after the terminal 120 connects to the server 110.

One or more parts of the network 130 may be a wired network or a wireless network. The network 130 is not limited to, for example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless. LAN (Wireless LAN: WLAN), Wide Area Network (WAN), Wireless WAN (Wireless WAN: WWAN), Metropolitan Area Network (MAN), Part of the Internet, Public Exchange 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 It can include communication, etc., or a combination of two or more of these. The network 130 can 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 device 200 is not limited to an example, but is a smartphone, a mobile phone (feature phone), a computer (not limited to an example, a desktop, a laptop, a tablet, etc.), a server device, a media computer platform (not limited to an example). , Cables, satellite set top boxes, digital video recorders, etc.), handheld computer devices (not limited to, for example, PDA (Personal Digital Assistant), e-mail clients, etc.), wearable terminals (not limited to, for example, glasses-type devices, etc.) Includes clock-type devices, etc.), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram showing an example of the hardware configuration of the information processing apparatus 200 according to the embodiment.

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. Each component of the hardware of the information processing apparatus 200 is connected to each other via a bus B, for example, without limitation.

The information processing device 200 realizes the functions and / or methods described in the present disclosure in cooperation with 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 a function and a method realized by a code or an instruction contained in a program stored in the storage 203. The processor 201 is not limited, but as an example, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), a microprocessor (microprocessor), a processor core (processor core), and a multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and logic circuits (hardware) formed in integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each process disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an 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. Various data generated while the processor 201 is executing the program are also temporarily stored in the memory 202. The memory 202 includes, but is not limited to, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, but is not limited to, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I / F 205 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The communication I / F 205 has a function of executing 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 other information processing devices and transmits the various data to the processor 201.

The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting the processing result processed by the information processing device 200. The input / output I / F 204 may be integrated with the input device and the output device, or may be separated into the input device and the output device.

The input device is realized by any or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201. The input device includes, but is not limited to, hardware keys 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 one of all kinds of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When the processing result is output as a video or moving image, the output device is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. To. Output devices include touch panels, touch displays, monitors (not limited to examples, liquid crystal displays, OELD (Organic Electroluminescence Display), etc.), head-mounted displays (HDMs), projection mapping, holograms. Includes devices, speakers (audio output), printers, etc. that can display images, text information, etc. in the air (which may be vacuum). In addition, these output devices may be able to display display data in 3D.

The program of each embodiment of the present disclosure may be provided stored in a computer-readable storage medium. The storage medium can store the program in a "non-temporary tangible medium". Programs include, but are not limited to, software programs and computer programs as examples.

When appropriate, the storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (for example, without limitation, 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 can include tapes, solid-state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage medium, or any suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing apparatus 200 via an arbitrary transmission medium (communication network, broadcast wave, etc.) 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 the program is embodied by electronic transmission.

The program of the present disclosure is implemented using, for example, JavaScript (registered trademark), a script language such as Python, C language, Go language, Swift, Kotlin, Java (registered trademark), and the like.

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

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

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and 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 the present disclosure, "at least one of A and B" means "A, B, or both," unless otherwise stated or indicated by context. Further, unless otherwise stated or indicated by context, "a", "an", or "the" shall mean "one or more". Thus, herein, "an A" or "the A" means "one or more A" unless otherwise stated or otherwise indicated by context.

The present disclosure includes all modifications, substitutions, modifications, modifications, or modifications made by those skilled in the art to the embodiments and examples of the present disclosure. Also, the appended claims include all modifications, substitutions, modifications, modifications, or modifications made by those skilled in the art with respect to the embodiments and examples of the present disclosure. Further, the present disclosure includes any combination of one or more features of an embodiment or example in the present disclosure that can be made by one of ordinary skill in the art and one or more features of another embodiment or example in the present disclosure. To do.

In addition, a device or system or device or system component that is adapted, arranged, capable, configured, usable, operational, or operational to perform a particular function. The appended claims reference to is made the device, system, or component so adapted, arranged, capable, configured, enabled, and operational. As long as it can or can operate, it includes the device, system, component, whether or not the device, system, component or its particular function is activated, turned on, or unlocked.

Unless otherwise specified, the present disclosure may obtain the consent of the user in advance or immediately before the implementation of any embodiment or embodiment. In addition, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<First Embodiment>
According to the first embodiment of the present disclosure, in a graph showing a plurality of parameters of a user's credit score displayed on the terminal 120, in response to a user's operation of selecting one of the plurality of parameters on the graph, It is an embodiment that displays information indicating an action that changes one parameter. In the present disclosure, when it is not necessary to distinguish between the credit score and the individual parameters constituting the credit score, the credit score and the parameter may be expressed as the credit score, respectively.

According to the first embodiment, the user can easily input how he / she wants to change his / her credit score through the graph of the credit score displayed on the terminal 120, and in response to the user's input, the specific Since it is possible to easily clarify to the user what kind of action should be taken to change to the desired credit score, the graph display of the credit score can be used more interactively.

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

(1) Functional configuration of the server
The server 110 includes a reception unit 311, a transmission / reception unit 312, a control unit 313, and a storage unit 314. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible.

The reception unit 311 receives various setting operations and the like from a business operator that operates various services provided by the server 110.

The transmission / reception unit 312 transmits / receives data to / from the terminal 120 according to the instruction of the control unit 313. In addition, the transmission / reception unit 312 is, for example, a session for communication using HTTPS or the like with the terminal 120 or the like when the user of the terminal 120 or the like is authenticated by the user ID and the password included in the login request from the terminal 120 or the like. To connect. Then, the communication address of the terminal 120 and the like, the user ID, and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the terminal 120 or the like by using the connected communication session.

The control unit 313 performs a process of providing services such as a payment service, an electronic coupon distribution service, a financial service, and an electronic commerce service to the user of the terminal 120. In particular, in the present embodiment, the credit score and the proposed action are specified and transmitted to the terminal 120. The control unit 313 causes the transmission / reception unit 312 to transmit information for controlling the display screen of the terminal 120.

The storage unit 314 stores various information such as a credit score regarding the user of the terminal 120.

(2) Functional configuration of the terminal
The terminal 120 has a reception unit 321, a transmission / reception unit 322, a control unit 323, and a storage unit 324. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible.

The reception unit 321 receives various operations and the like from the user of the terminal 120.

The transmission / reception unit 322 transmits / receives data to / from the server 110 or the like in accordance with the instructions of the control unit 323. The transmission / reception unit 322 connects, for example, a communication session with the server 110 using HTTPS or the like when logging in to the server 110. Then, the communication address and the like of the server 110 are stored in association with the ID of the connected communication session. Then, data is transmitted to the server 110 using the connected communication session.

The control unit 323 performs processing using various services such as a payment service, a financial service, and an electronic commerce service provided by the server 110. In particular, in the present embodiment, a graph display using the credit score received from the server 110 and a proposal action are displayed. The control unit 323 controls the display screen of the terminal 120 based on the information received from the server 110 and the like.

The storage unit 324 stores information for using various services such as a payment service provided by the server 110.

<Processing of the first embodiment>
The processing of the communication system 1 according to the first embodiment will be described with reference to FIG. FIG. 4 is a diagram showing an example of a processing sequence of the communication system 1 according to the first embodiment. It is assumed that the terminal 120 has been authenticated by the server 110 using the user's account when communicating with the server 110.

In step S1, the control unit 323 of the terminal 120 transmits a request to acquire the credit score to the server 110 via the transmission / reception unit 322. This request information includes information such as a user ID that identifies a user of the terminal 120, for example.

In step S2, the control unit 313 of the server 110 identifies the credit score and parameters for the user of the terminal 120 in response to the request from the terminal 120. The control unit 313 extracts the credit score and the parameter associated with the user ID from the database stored in the storage unit 314, for example, using the information of the user ID received in step S1.

In step S3, the control unit 313 of the server 110 transmits the credit score information specified in step S2 to the terminal 120 via the transmission / reception unit 312.

In step S4, the control unit 323 of the terminal 120 displays a graph 121 (first graph) showing the credit score and parameters of the user of the terminal 120 on the display screen 127 using the received credit score information (FIG. S4). 5). The display mode of the graph 121 in this step will be described later with reference to FIGS. 5 and 7.

In step S5, the reception unit 321 of the terminal 120 accepts a user operation for selecting one of the parameters in the graph 121. In step S6, in response to this user operation, the control unit 323 creates target graphs 122 and 125 different from the graph 121 in step S4 and displays them on the display screen 127 (see FIGS. 5 and 7). The aspects of the target graphs 122 and 125 in this step will be described later with reference to FIGS. 5 and 7.

In step S7, the control unit 323 of the terminal 120 transmits information regarding the difference between the graph 121 of step S4 and the target graphs 122 and 125 of step S6 to the server 110 via the transmission / reception unit 322. The information regarding the difference includes the parameter of the credit score selected by the user in step S5, the parameter value of the credit score in the graph 121 of step S4, and the parameter value of the credit score in the target graphs 122 and 125 in step S6. including.

In step S8, the control unit 313 of the server 110 identifies an action necessary for eliminating the difference based on the difference information received in step S7. In this step, for example, each time the control unit 313 receives the difference information, the control unit 313 performs a proposal action suitable for the user based on information such as the characteristics of the user of the terminal 120 and the difference information (parameter, current value, target value). calculate. Alternatively, the server 110 may store a database in which the difference information and the proposed action are associated with each other in the storage unit 314, and refer to the database based on the difference information received in step S7 to extract the proposed action. .. Alternatively, the processing of this step may be realized by machine learning or AI.

In step S9, the control unit 313 transmits the information of the proposed action specified in step S8 to the terminal 120 via the transmission / reception unit 312.

In step S10, the control unit 323 of the terminal 120 creates an action list 124 using the received proposed action information and displays it on the display screen 127.

The process in which the server 110 in step S9 transmits the proposed action to the terminal 120 is, for example, information in which the difference information and the proposed action are associated with each other when the server 110 transmits the credit score information to the terminal 120 in step S3. At the same time, it may be transmitted to the terminal 120 at another timing.

An example of the processing in the first embodiment will be described below. The processing of each of the following examples can be executed in combination with the processing of other examples.

<< First Example >>
In the first embodiment, the terminal 120 responds to the user's operation of changing (improving or lowering) the value of one or more credit score parameters in the graph 121 displayed on the display screen 127 of the terminal 120. It is an embodiment which displays the information which shows the action which changes (improves or lowers) the value of the parameter of this credit score. According to the first embodiment, the user can easily obtain information on actions that can realize the change only by performing an intuitive operation of changing the graph 121 display of his / her credit score to a desired value.

<< Processing of the first embodiment >>
FIG. 5 is a diagram showing an example of screen transition of the terminal 120 in the action proposal processing of the first embodiment. In the first embodiment, in the process of step S4 of FIG. 4, as shown in FIG. 5A, the credit score is displayed, and the credit score is composed of a plurality of credit score parameters, and the credit score and the parameters are combined. Is displayed as a polygon as shown in Graph 121. In the example of FIG. 5, there are five types of credit score parameters, and a pentagonal graph 121 relating to the credit score is displayed. Further, in the example of FIG. 5, each credit score is set in four stages of 0 to 3, and the credit scores of the users of the terminal 120 are displayed by the pentagonal graph 121 by connecting the adjacent credit scores with a line segment. It is displayed on the screen 127. In the example of FIG. 5, in the graph 121 of the user, the scores of the parameters A, B, and C are set to 2, and the scores of the parameters D and E are set to 1, respectively.

Further, in the first embodiment, in the process of step S5 of FIG. 4, as shown in FIG. 5 (b), a user operation for changing the parameter value of one or a plurality of credit scores in the graph 121 is input. As a result, in the process of step S6 of FIG. 4, a pentagonal target graph 122 different from the graph 121 is created and displayed on the display screen 127 of the terminal 120. In the example of FIG. 5, for example, the swipe operation 123 of the user's finger increases the score of the parameter D from 1 to 3. That is, in the first embodiment, the target graph 122 is a graph based on the user's own credit score created by partially modifying the graph 121.

Further, in the first embodiment, in the process of step S7 of FIG. 4, the parameter whose score is changed from the graph 121 (parameter D in FIG. 5B) is the parameter of the credit score selected by the user. The scores before and after the parameter change are transmitted to the server 110 as difference information.

Then, in the process of step S10 of FIG. 4, as shown in FIG. 5C, a list of proposed actions received from the server 110 is displayed in the display area below the graph 121 and the target graph 122 displayed on the terminal 120. 124 is displayed on the display screen 127. In the example of FIG. 5, since the input user operation is an operation in the direction of increasing the credit score of the graph 121, the action of increasing the parameter value of the credit score of the graph 121 to the value of the target graph 122 can be included in the action list 124. .. Further, in this case, it is possible to add a configuration for calling attention not to perform an action of reducing the credit score of the graph 121, that is, an action of moving away from the target graph 122 to the opposite side.

It is preferable that the action list 124 is displayed in an order that is easy for the user to execute. As a result, the burden of the action of changing the credit score to the desired value of the user can be reduced, and the change of the credit score can be made easier.

Further, in FIG. 5B, the operation of changing one credit score is illustrated, but the parameters of two or more credit scores may be changed. More specifically, for example, the user can operate the parameters A and D of the credit score at the same time. In this case, the action list 124 displayed in FIG. 5C is created by mixing actions that change each of the parameters of two or more credit scores in an order that is easy for the user to execute. preferable. As a result, even when the selected credit score is 2 or more, the burden of changing the credit score to the user's desired value can be reduced.

Here, Table 1 shows examples of indicators and proposed actions for each parameter of the credit score. The contents of the parameters and the like shown in Table 1 below are merely examples, and are not necessarily implemented using the parameters.

In Table 1 above, the “parameter” is one of the components constituting the credit score, and is an example of the parameters A to E in FIG. The "index" is a criterion for determining the value of a parameter. The “action to increase the credit score” is a proposed action displayed in the action list 124 in the example of FIG. In the example of FIG. 5, the “action to reduce the credit score” is an alert action that can be displayed on the action list 124 to alert the user not to perform it, as described above. In addition, unlike the example of FIG. 5, when the user performs an operation of reducing the parameter value, the proposed action suitable for this operation is replaced with the "action of reducing the credit score", and a warning that is not suitable for this operation is alerted. Actions are replaced by "actions that increase credit scores."

In addition, among the parameter items in Table 1 above, "loyalty" refers to loyalty or loyalty, such as brand royalties for repeatedly designating and purchasing a specific product, or a specific store as a fixed customer. Includes patronage store loyalty.

In the first embodiment, a configuration for displaying a pentagonal graph 121 relating to the credit score of the user is illustrated, but when the number of parameters of the credit score is other than 5, a polygonal shape corresponding to the number of parameters (for example, It may be configured to display a graph (such as a hexagon or a quadrangle). Further, the graph may be displayed as long as it can input an operation for changing the credit score of the user, and the display mode of the graph may be other than the polygonal shape. For example, a column graph, a horizontal bar graph, a pie graph, a line graph, a meter format, or a combination thereof may be used.

6A to 6C are diagrams showing an example of another form of graph display of the credit score. In the case of a pie chart, for example, as shown in graph 121A of FIG. 6A, there is a configuration in which a region is divided in a fan shape for each parameter. In the case of the graph 121A shown in FIG. 6A, the region of the parameter A can be increased from the state (a) to the state (b) of FIG. 6A by, for example, swiping the vicinity of the boundary between the parameters A and B 123. Similarly, as shown in graph 121B of FIG. 6B, another pie chart may be displayed for each parameter, and the area of each pie chart may be changed according to the score. In the case of the graph 121B shown in FIG. 6B, for example, by swiping 123 near the outer edge of the pie chart of the parameter A, the area of the pie chart of the parameter A can be increased from the state (a) to the state (b) of FIG. 6B. it can. Further, as in the graph 121C of FIG. 6C, the composition ratio of each parameter may be displayed by using a band graph. In the case of the graph 121C shown in FIG. 6C, the region of the parameter A can be increased from the state (a) to the state (b) of FIG. 6C by, for example, swiping the vicinity of the boundary between the parameters A and B 123.

In the process of step S10 of FIG. 4, the proposed action displayed on the terminal 120 is 2 to 3, or even when the same parameter is selected, as compared with the case where the credit score is increased from 1 to 2, for example. The difficulty level of the proposed action may be changed according to the amount of change in the score, such as increasing the difficulty level when increasing from 1 to 3. Similarly, the longer the operation distance of the operation for improving (decreasing) the value of the parameter, the more information on the action for improving (decreasing) the value of the operated parameter is displayed as a proposed action, or the operation is performed. Of the action information for improving the value of the parameter, the action with a high degree of difficulty may be displayed as a proposed action.

<< Second Example >>
In the second embodiment, the target graph 125 (second graph) showing the credit score of another user different from the user of the terminal 120 is displayed superimposed on the graph 121, and the difference between the graph 121 and the target graph 125 is displayed. In response to an operation of selecting one or more parameters, the terminal 120 displays information indicating an action that changes the selected credit score. According to the second embodiment, since the credit score of another person is compared, it is possible to objectively show the user himself / herself the insufficient part of his / her credit score, and it is possible to provide a more effective proposal action for the user. Can improve the convenience of.

<< Processing of the second embodiment >>
FIG. 7 is a diagram showing an example of screen transition of the terminal 120 in the action proposal processing of the second embodiment. In the second embodiment, in the process of step S4 of FIG. 4, as shown in FIG. 5 (a) of the first embodiment, as shown in FIG. 7 (a), a pentagonal graph relating to the credit score of the user of the terminal 120 121 is displayed.

In the second embodiment, in the process of step S5 of FIG. 4, an operation in which the user specifies another user to be compared with the credit score is input. As a result, in step S6 of FIG. 4, the pentagonal target graph 125 regarding the credit score of another user specified in step S5 is superimposed and displayed on the user graph 121. That is, in the second embodiment, the target graph 125 is a graph relating to the credit score of another user, not that of the user himself / herself.

In the example of FIG. 7, in the target graph 125, the scores of the parameters A, B, and C are set to 2 as in the graph 121, the score of the parameter D is set to 3, and the score of the parameter E is set to 2. Further, in the example of FIG. 7, since each parameter of the credit score of the user is equal to or less than each parameter of the credit score of another user, it is easy to visually recognize the small part of the graph 121 of the user with respect to the target graph 125. The target graph 125 is displayed on the back side of the graph 121. The display mode of the graph 121 and the target graph 125 may be any display mode as long as the difference between the graph 121 and the target graph 125 is visible. For example, the transparent graph 121 may be displayed so as to be superimposed on the target graph 125, or the transparent target graph 125 may be displayed so as to be superimposed on the graph 121.

Further, in the second embodiment, as shown in FIG. 7B, in the process of step S7 of FIG. 4, for example, a parameter for which the difference in the target graph 125 is desired to be eliminated is selected by the tap operation 126 of the user's finger. Then, information such as the value of the user's parameter in the selected parameter and the value of the parameter of the other user in the target graph 125 is transmitted to the server 110 as difference information. In the example of FIG. 7, the parameter D in which the value of the parameter D of the credit score of the user is 1 and the value of the parameter D of the credit score of the other user is 3, is selected by the tap operation 126. That is, in the second embodiment, the tap operation 126 is "a user's operation input to change one or a plurality of parameters in the graph 121".

Then, in the process of step S10 of FIG. 4, as shown in FIG. 7C, a list of proposed actions received from the server 110 is displayed in the display area below the graph 121 and the target graph 125 displayed on the terminal 120. 124 is displayed.

Although FIG. 7B illustrates a configuration in which one credit score is selected by the tap operation 126, two or more credit scores may be selected by performing the tap operation at a plurality of places.

<Second Embodiment>
A second embodiment of the present disclosure is an embodiment in which a user's credit score in the content transmitted from the terminal 120 to the server 110 is specified, and the content is processed and displayed on the terminal 120 based on the specified credit score. is there. In the present disclosure, when it is not necessary to distinguish between the credit score and the individual parameters constituting the credit score, the credit score and the parameter may be expressed as the credit score, respectively. In the present disclosure, the content includes at least one of a moving image and a still image, and can also be expressed as "image information".

According to the second embodiment, the credit score of the user can be easily obtained only by transmitting the content showing the user's face to the server 110, and the content is automatically processed and credited based on the obtained credit score. Since the score can be visualized and displayed, the effect of making the procedure for visualizing the credit score easier can be obtained.

Since the functional configurations of the server 110 and the terminal 120 of the second embodiment are the same as the configurations of the first embodiment described with reference to FIG. 3, the description thereof will be omitted.

<Processing of the second embodiment>
The processing of the communication system 1 according to the second embodiment will be described with reference to FIG. FIG. 8 is a diagram showing an example of a processing sequence of the communication system 1 according to the second embodiment. In FIG. 8, the terminal 120A acquires the credit score of the user B from the server 110 using the content in which the user B using the terminal 120B is shown, and after processing based on the obtained credit score of the user B. An example of displaying the content will be described.

In step S11, the transmission / reception unit 213 of the server 110 receives the content information including the face of the user B from the terminal 120B, and in step S12, the control unit 313 of the server 110 receives the face of the user B from the content information including the received face. The feature amount is extracted, and the user ID of the user B and the face feature amount are stored in the storage unit 314 in association with the credit score of the user B.

In step S13, the information of the content 131 (see FIG. 9) (first content) including the face of the user B is transmitted from the terminal 120A to the server 110. As the content 131 transmitted in this step, the past content shot by the terminal 120A may be used, the content shot in real time by the terminal 120A may be used, the network 130 or the like may be used. Content captured through the terminal 120A other than the user A may be used.

In step S14, the control unit 313 of the server 110 performs face authentication of the received content 131, calculates the face feature amount of the user (user B) shown in the content 131, and stores the face feature amount based on the calculated face feature amount. Information on the user ID and credit score of user B is specified from unit 314. The process of step S14 may be realized by machine learning or AI. Further, the calculation of the facial feature amount is performed by the terminal 120A, and only the facial feature amount may be transmitted from the terminal 120 to the server 110.

In step S15, the transmission / reception unit 312 of the server 110 transmits the information of the credit score and the user ID of the user B specified in step S14 to the terminal 120A.

In step S16, the control unit 323 of the terminal 120A processes the content 131 of step S13 based on the credit score of the user B received in step S15, and the processed content 132 in which the content 131 is processed in step S17. (Second content) is displayed on the display screen 127. Note that step S16 may be performed on the server 110. More specifically, the control unit 323 of the server 110 processes the received content 131, and the transmission / reception unit 312 of the server 110 in step S15 provides information on the credit score and user ID of the user B specified in step S14. And the processed content 132 may be transmitted to the terminal 120A (not shown).

An example of the processing in the second embodiment will be described below. The processing of each of the following examples can be executed in combination with the processing of other examples.

<< First Example >>
In the first embodiment, in the processed content 132 displayed on the terminal 120A, graphs 133A and 133B regarding the credit score are additionally displayed around the faces of the users A and B in the content 131. According to the first embodiment, the user of the terminal 120 can obtain a graph display regarding the credit score in the processed content 132 only by transmitting the content 131 in which the user who wants to know the credit score is shown to the server 110. The graph display of the credit score can be made easier, and the graph display makes it easier for the user to grasp the credit score more intuitively.

<< Processing of the first embodiment >>
FIG. 9 is a diagram showing an example of screen transition of the terminal 120A in the credit score display processing of the first embodiment. In the first embodiment, in the process of step S13 of FIG. 8, as shown in FIG. 9A, the information of the content 131 including the user B is transmitted to the server 110. In the example of FIG. 9, in addition to the user B, the user A of the terminal 120A is also shown in the content 131. Therefore, in steps S14 and S15 of FIG. 8, in addition to the credit score of the user B, the credit score information of the user A is also specified and transmitted to the terminal 120A. If the user A is not shown in the content 131 (the user A cannot be specified in step S14 of FIG. 8), the subsequent processing may not be performed. This makes it possible to reduce the possibility of a malicious user viewing a credit score by using a photograph of an unfamiliar third party user without permission.

Further, in the first embodiment, in the process of step S17 of FIG. 8, as shown in FIG. 9B, around the faces of the users A and B of the content 131 of step S13 (above the face in FIG. 9). , The processed content 132 to which the graph of the credit score received in step S15 (band graphs 133A and 133B in FIG. 9) is additionally displayed is displayed. The band graphs 133A and 133B are divided into a plurality of regions a, b, and c along the longitudinal direction, for example, and the area of each region a, b, c is changed by the value of each parameter of the assigned credit score. .. Further, the total value d of all the parameters of the credit score may be displayed in the vicinity of the band graphs 133A and 133B. The type of graph related to the credit score displayed in the processed content 132 may be other than a band graph, for example, a polygonal shape graph, a column graph, a horizontal bar graph, a pie graph, a line graph, a meter format, or a combination thereof. Good.

Further, in the first embodiment, as shown in FIG. 9B, when the tap operation 134 is performed on any of the band graphs 133A and 133B displayed on the processed content 132, FIG. 9C shows. As shown, additional information about the user of the tapped graph may be additionally displayed by pop-up display 135 or the like. In the example of FIG. 9, a pop-up window 135 for displaying the information of the user B is displayed in response to the tap operation 134 of the user B on the band graph 133B. As a result, additional information can be provided in addition to the graph display of the credit score, so that the convenience of the graph display of the credit score can be improved.

The user information displayed in the pop-up window 135 is, for example, an amount estimated to be borrowed from the user selected by tap operation (user B in FIG. 9), or can be collected even if it is lent to that user. Information such as the estimated amount of money can be mentioned. In this case, the control unit 323 of the terminal 120 can set the amount by referring to the parameters related to money such as assets in the credit score of the user B, the information of the history of debt fulfillment, and the like.

In addition, the user information displayed in the pop-up window 135 may include personal information such as the user's age and contact information. Further, the information about the user may be changed and displayed according to the credit score of each user. For example, if the credit score of the user who transmitted the content 131 is equal to or higher than a predetermined value, more information about the user displayed on the content 131 may be set as compared with the case where the value is equal to or lower than the predetermined value. In addition, the user information of the user whose credit score is relatively low among the users displayed in the content 131 is displayed by increasing the contact information such as the telephone number and the e-mail address, so that the user can be contacted when the payment is not collected. It can be made easy to take.

Further, in the first embodiment, in response to the tap operation 134 on the processed content 132, the face portion in the processed content 132 of the user selected by the tap operation (user B in FIG. 9) is processed. Further processing may be performed. For example, if the credit score of user B is relatively high, content processing is performed so that the face image looks good, and if the credit score is relatively low, the face image is roughened or hidden. Content processing such as image processing can be performed.

Further, in the first embodiment, in response to the tap operation 134 on the processed content 132, the credit score of the user (user B in FIG. 9) selected by the tap operation and the credit score of the user A of the terminal 120A are combined. The process of displaying the difference may be further executed. Further, as described with reference to FIG. 5C, a process of displaying information on actions necessary for eliminating the difference between the credit score of user A and the credit score of user B may be executed. .. As a result, the user A of the terminal 120A can visually and intuitively grasp the difference from the credit score with the other user B, and is necessary to eliminate the difference. Since behavioral information is also provided, the graph display of credit score can be used more effectively.

It should be noted that each user may be able to set whether or not to display his / her credit score on the server 110. In this case, for example, when it is set that the display of the credit score for the user B is not possible, the process of displaying the graph 133B of the credit score of the user B on the processed content 132 is not executed. This makes it possible to prevent information leakage that the user himself does not want.

Further, whether or not the credit score can be displayed may be determined according to the intimacy of the user. More specifically, for example, the credit score may be displayed only when the users have set a predetermined relationship on the SNS.

The predetermined relationship includes that the server 110 stores a predetermined relationship between two or more users. As an example, but not a limitation, a given relationship is a relationship that mutually approves the relationship building, a relationship that at least one of them has requested to build a relationship, a relationship that is built based on user information, a relationship that is built based on user behavior, and a predetermined relationship. It may include a state in which a relationship is built because the condition is satisfied. The relationship constructed based on the user information may include a relationship in which one or more users having the same or similar user information are related to each other, and the relationship constructed based on the user behavior is one or more. It may include a relationship in which users having the same or similar user behaviors are related to each other.

Further, the user having a predetermined relationship with the user is not limited, but may be, for example, all users having a predetermined relationship with the user, a predetermined number of users, or intimacy. May be a user of a predetermined degree or more.

Here, the intimacy means a predetermined period (a predetermined period such as one month or two months, or a period from the establishment of a predetermined relationship to the present) with the user. The degree may be determined so that the intimacy increases in descending order of the amount of messages sent and received between them. In addition, the degree of intimacy may be determined in descending order of the number of transactions (including buying and selling of goods, sending and receiving of assets, exchange of assets, etc.) between users within a predetermined period.

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

Intimacy means that for a plurality of other users who have a predetermined relationship with a user, the longer the other user stays within a predetermined range from the user's position, the higher the intimacy. It may be a determined degree. Intimacy is a relationship (for example, a family) estimated based on the period from the establishment of a predetermined relationship to the present and the location information of each user for a plurality of users who have a predetermined relationship with the user. The higher the presumed relationship, etc.), the higher the intimacy may be determined.

Intimacy is the degree to which it is determined that the greater the number of users in common with the user (the number of common friends), the higher the intimacy of a plurality of other users who have a predetermined relationship with the user. There may be.

In addition, the intimacy is determined so that the greater the number of users who have a predetermined relationship with the user who has a predetermined relationship with the user who is communicating with the user, the higher the intimacy. It may be the degree to be done.

Further, the intimacy is a degree determined so that the higher the similarity between the user's own attribute and each attribute of a plurality of users having a predetermined relationship with the user, the higher the intimacy. May be good. The user's attributes may be interests or interests as an example rather than a limitation.

<< Second Example >>
The second embodiment is an embodiment in which the processed content 132 is created by processing the user's face portion in the content 131 based on the credit score. According to the second embodiment, even if there is no graph display of the credit score, the relative magnitude relationship of the credit score can be roughly grasped by looking at the degree of processing of the user's face content in the content, so that the user can obtain the credit score more. It can be intuitively understood.

<< Processing of the second embodiment >>
In the second embodiment, in the process of step S16 of FIG. 8, the face image of each user in the content 131 is processed based on the credit score received in step S13. For example, if the user's credit score is relatively high, content processing is performed so that the face image looks good, and if the credit score is relatively low, the face image is roughened or deleted. Content processing can be performed.

<< Third Example >>
The third embodiment is an embodiment in which the processed content 132 is created by changing the image quality of the content 131 based on the average value or the total value of the user's credit scores shown in the content 131. According to the third embodiment, even if there is no graph display of the credit score, the scale of the user's credit score in the content can be roughly grasped by looking at the image quality of the processed content 132, so that the user can more intuitively grasp the credit score. It can be easy to understand.

<< Processing of the third embodiment >>
In the third embodiment, in the process of step S16 of FIG. 8, the average value or the total value of the credit scores of each user received in step S13 is calculated, and the image quality of the content 131 is changed based on the calculated value. For example, when the average value or the total value of the credit score is relatively high, content processing for improving the image quality of the processed content 132 is performed, and when it is relatively low, the image quality of the processed content 132 is lowered. Content processing can be performed.

<< Fourth Example >>
The fourth embodiment is an embodiment in which the recommended content to be displayed in the processed content 132 is changed based on the average value or the total value of the user's credit scores shown in the content 131. According to the fourth embodiment, appropriate information can be provided according to the credit level of the user shown in the content 131, so that the convenience of the user can be improved.

<< Processing of the fourth embodiment >>
In the fourth embodiment, in the process of step S16 of FIG. 8, the average value or the total value of the credit scores of each user received in step S13 is calculated, and the recommended content to be added to the content 131 based on the calculated value ( For example, the information of (restaurant) is selected, and the selected information is added to create the processed content 132. For example, a user with a high credit score is selected for information on a high-class restaurant, and a user with a low credit score is changed to information on a cheap restaurant.

Regarding the above description, the following sections are further disclosed.
(Appendix 1)
For information processing terminals used by users
A step of displaying a first graph showing the user's credit score and a plurality of parameters included in the credit score, and
An information processing program that executes a step of displaying information on an action for improving the value of the operated parameter in response to an operation of the user for improving the value of one of the plurality of parameters.
(Appendix 2)
In response to the user's operation of improving the value of two or more of the plurality of parameters, a step of displaying information on an action for improving the value of the operated two or more parameters is further executed. , The information processing program according to Appendix 1.
(Appendix 3)
The information processing program according to Appendix 1 or 2, wherein the longer the operation distance of the operation to be improved, the more information of the action for improving the value of the operated parameter is displayed.
(Appendix 4)
The information processing program according to Appendix 1 or 2, wherein the longer the operation distance of the improved operation is, the more difficult the action is displayed among the information of the action for improving the value of the operated parameter.
(Appendix 5)
The information processing program according to any one of Appendix 1 to 4, wherein the action information is listed in an order in which it is easy to execute.
(Appendix 6)
Addendum 1 to 5, further comprising displaying information on the user's behavior of lowering the value of one of the plurality of parameters in response to the operation of lowering the value of the manipulated parameter. The information processing program described in any one of the items.
(Appendix 7)
The information processing program according to Appendix 6, wherein the longer the operation distance of the operation to be lowered, the more information on the action of lowering the value of the operated parameter is displayed.
(Appendix 8)
Any one of Appendix 1 to 7, further performing a step of displaying a second graph showing a credit score of another user different from the user and a plurality of parameters included in the credit score together with the first graph. Information processing program described in the section.
(Appendix 9)
The information processing program according to Appendix 8, wherein the first graph and the second graph are superimposed and displayed.
(Appendix 10)
Further, a step of displaying action information for eliminating the difference between the values of the parameters in response to the operation of selecting the difference display area of the same type of parameter between the first graph and the second graph. The information processing program according to Appendix 8 or 9, which is to be executed.
(Appendix 11)
An information processing terminal used by the user
A first graph showing the user's credit score and a plurality of parameters included in the credit score is displayed.
An information processing terminal having a control unit that displays information on an action that improves the value of the operated parameter in response to an operation of the user that improves the value of one of the plurality of parameters.
(Appendix 12)
The information processing terminal used by the user
A step of displaying a first graph showing the user's credit score and a plurality of parameters included in the credit score, and
A step of displaying information on an action of the user to improve the value of one of the plurality of parameters in response to an operation of improving the value of the manipulated parameter.
Information processing method to execute.
(Appendix 13)
Information processing device
A step of displaying the credit score of the user of the information processing terminal and a first graph showing a plurality of parameters included in the credit score on the information processing terminal.
A step of causing the information processing terminal to display information on an action for improving the value of the operated parameter in response to the user's operation of improving the value of one of the plurality of parameters.
Information processing method to execute.
(Appendix 14)
The information processing terminal is displayed with the first graph showing the credit score of the user of the information processing terminal and a plurality of parameters included in the credit score.
Information including a control unit that causes the information processing terminal to display information on an action for improving the value of the operated parameter in response to an operation of the user for improving the value of one of the plurality of parameters. Processing equipment.
(Appendix 15)
For information processing equipment
A step of displaying the credit score of the user of the information processing terminal and a first graph showing a plurality of parameters included in the credit score on the information processing terminal.
A step of causing the information processing terminal to display information on an action for improving the value of the operated parameter in response to the user's operation of improving the value of one of the plurality of parameters.
An information processing program that executes.
(Appendix 16)
For the information processing terminal used by the first user
The process of transmitting the first content including the user's face to the information processing device,
A process of receiving information on the credit score of the user specified based on the first content, and
An information processing program that executes a process of displaying a second content obtained by processing the first content based on the received information of the credit score.
(Appendix 17)
The information processing program according to Appendix 16, wherein the second content is a content in which a graph relating to the credit score is displayed in the vicinity of the user's face of the first content.
(Appendix 18)
When the first content includes the first user and the second user, the credit score associated with the first user specified based on the first content and the second user, respectively. Further execution of the process of receiving information,
The information according to Appendix 17, wherein the second content is a content in which a graph relating to the credit score associated with the first user and the second user is displayed in the vicinity of the face of each user. Processing program.
(Appendix 19)
The information processing program according to any one of Supplementary note 16 to 18, wherein the second content is not displayed when the first content does not include the first user.
(Appendix 20)
The information processing program according to Appendix 18, which displays the second content when the first user and the second user have established a predetermined relationship.
(Appendix 21)
Any of Appendix 16 to 20, which further executes a process of displaying the user information of the user associated with the graph in response to the operation of selecting the graph displayed in the second content by the first user. The information processing program described in item 1.
(Appendix 22)
The information processing program according to Appendix 21, wherein the user information further executes a process of displaying an amount estimated to be borrowed from the user or an amount estimated to be recoverable even if the user is lent. ..
(Appendix 23)
The information according to Appendix 21, which further executes a process of displaying the difference between the credit score of the first user and the credit score of the user associated with the selected graph in response to the selected operation. Processing program.
(Appendix 24)
The information processing program according to Appendix 23, which further executes a process of displaying information on actions required to eliminate the difference.
(Appendix 25)
The second content is the content in which the image quality of the first content is changed based on the average value or the total value of the credit scores of the users reflected in the first content, according to any one of the items 16 to 24. The information processing program described.
(Appendix 26)
The second content is any one of Appendix 16 to 25, which is a content in which the recommended content is changed and displayed based on the average value or the total value of the credit score of the user shown in the first content. Information processing program described in.
(Appendix 27)
The information processing program according to any one of Appendix 16 to 26, wherein the second content has a different amount of information displayed according to the credit score of the first user.
(Appendix 28)
The user can set whether to display the credit score.
If it is set that the credit score for the second user cannot be displayed, the graph for the credit score associated with the second user is not displayed in the second content, any one of the appendices 18 to 27. Information processing program described in.
(Appendix 29)
The first content including the user's face is transmitted to the information processing device connected via the network.
Upon receiving the information indicating the credit score of the user recognized based on the first content,
It has a control unit that displays a second content obtained by processing the first content based on the received information.
Information processing terminal.
(Appendix 30)
Information processing terminal
The process of transmitting the first content including the user's face to the information processing device connected via the network,
A process of receiving information indicating the credit score of the user recognized based on the first content, and
A process of displaying the second content obtained by processing the first content based on the received information, and
Information processing method to execute.
(Appendix 31)
Information processing device
The process of receiving the first content including the user's face from the information processing terminal connected via the network,
A process of transmitting information indicating the credit score of the user recognized based on the first content to the information processing terminal, and
A process of displaying the second content obtained by processing the first content on the information processing terminal based on the information.
Information processing method to execute.
(Appendix 32)
Receive the first content including the user's face from the information processing terminal connected via the network,
Information indicating the credit score of the user recognized based on the first content is transmitted to the information processing terminal.
It has a control unit for displaying the second content obtained by processing the first content on the information processing terminal based on the information.
Information processing device.
(Appendix 33)
For information processing equipment
The process of receiving the first content including the user's face from the information processing terminal connected via the network,
A process of transmitting information indicating the credit score of the user recognized based on the first content to the information processing terminal, and
A process of displaying the second content obtained by processing the first content on the information processing terminal based on the information.
An information processing program that executes.

1 Communication system 110 server (information processing device)
311 Reception unit 312 Transmission / reception unit 313 Control unit 314 Storage unit 120 Terminal (information processing terminal)
321 Reception unit 322 Transmission / reception unit 323 Control unit 324 Storage unit 121 Graph 122, 125 Target graph 124 Action list 131 Content (first content)
132 Processed content (second content)

Claims (15)

For information processing terminals used by users
A step of displaying a first graph showing the user's credit score and a plurality of parameters included in the credit score, and
In response to the user's operation of improving the value of one of the plurality of parameters , information on the action of reducing the value of the manipulated parameter is displayed to alert the user not to perform the action of reducing the value. An information processing program that executes steps and. In response to the user's operation of improving the value of two or more of the plurality of parameters, a step of displaying information on an action for improving the value of the operated two or more parameters is further executed. , The information processing program according to claim 1. The information processing program according to claim 1 or 2, wherein the longer the operation distance of the operation to be improved, the more information of the action for improving the value of the operated parameter is displayed. The information processing program according to claim 1 or 2, wherein the longer the operation distance of the improved operation is, the more difficult the action is displayed among the information of the action for improving the value of the operated parameter. The information processing program according to any one of claims 1 to 4, wherein the action information is listed in an order in which it is easy to execute. Claims 1 to 5 further include a step of displaying information on an action of the user to reduce the value of one of the plurality of parameters in response to the operation of reducing the value of the manipulated parameter. The information processing program described in any one of the above. The information processing program according to claim 6, wherein the longer the operation distance of the operation to be lowered, the more information of the action of lowering the value of the operated parameter is displayed. Any of claims 1 to 7, further performing a step of displaying a second graph showing a credit score of another user different from the user and a plurality of parameters included in the credit score together with the first graph. The information processing program described in paragraph 1. The information processing program according to claim 8, wherein the first graph and the second graph are displayed in an overlapping manner. Further, a step of displaying action information for eliminating the difference between the values of the parameters in response to the operation of selecting the difference display area of the same type of parameter between the first graph and the second graph. The information processing program according to claim 8 or 9, which is to be executed. An information processing terminal used by the user
A first graph showing the user's credit score and a plurality of parameters included in the credit score is displayed.
In response to the user's operation of improving the value of one of the plurality of parameters , information on the action of reducing the value of the manipulated parameter is displayed to alert the user not to perform the action of reducing the value. An information processing terminal having a control unit. The information processing terminal used by the user
A step of displaying a first graph showing the user's credit score and a plurality of parameters included in the credit score, and
In response to the user's operation of improving the value of one of the plurality of parameters , information on the action of reducing the value of the manipulated parameter is displayed to alert the user not to perform the action of reducing the value. Steps and
Information processing method to execute. Information processing device
A step of displaying the credit score of the user of the information processing terminal and a first graph showing a plurality of parameters included in the credit score on the information processing terminal.
In response to the user's operation of improving the value of one of the plurality of parameters , information on the action of reducing the value of the manipulated parameter is displayed to alert the user not to perform the action of reducing the value. Steps and
Information processing method to execute. The information processing terminal is displayed with the first graph showing the credit score of the user of the information processing terminal and a plurality of parameters included in the credit score.
In response to the user's operation of improving the value of one of the plurality of parameters , information on the action of reducing the value of the manipulated parameter is displayed to alert the user not to perform the action of reducing the value. An information processing device equipped with a control unit. For information processing equipment
A step of displaying the credit score of the user of the information processing terminal and a first graph showing a plurality of parameters included in the credit score on the information processing terminal.
In response to the user's operation of improving the value of one of the plurality of parameters , information on the action of reducing the value of the manipulated parameter is displayed to alert the user not to perform the action of reducing the value. Steps and
An information processing program that executes.

Images