JP6889056B2 - Information processing device and credit rating calculation method - Google Patents

Description

The present invention relates to an information processing device and a credit rating calculation method for estimating and calculating the credit rating of a user by using information related to communication between users, which is a kind of information related to a communication service.

Note that "inter-user communication" means general communication performed by a certain user with one or more other party users, and is, for example, communication executed between users in real time such as a call or chat. Includes both non-real-time communication between users, such as email, message sending services, etc. However, this does not include communication in which the other party user is not specified or is unspecified in large numbers, for example, communication processing for searching / browsing a WEB page, transmitting / providing information to the public via the Internet or the like. The "credibility" is an index indicating the degree of credibility, such as whether the user pays or returns the borrowed item. Expressions such as score and ranking are also applied to "credibility".

Use of the target service by a user with low credit rating by determining the creditworthiness of the user based on the user's past payment history (presence or absence of delinquency, unpaid amount, etc.) and determining whether or not the target service can be provided based on the credit rating. (See Patent Document 1 below).

Japanese Unexamined Patent Publication No. 2005-322180

In general, it can be said that a user who more actively executes inter-user communication has a relatively higher degree of social connection than a user who does not actively execute communication. If the degree of social connection is high, it is assumed that there is a high possibility of receiving assistance from other people even in a temporary financially difficult situation, so communication between users will be carried out more actively. It is possible that there is a certain correlation that the users who do this have a relatively high credit rating.

Therefore, it is expected that the creditworthiness of the user is calculated from another viewpoint without using the payment history as in the above-mentioned conventional technique.

An object of the present invention is to calculate a user's creditworthiness from a viewpoint different from the conventional one by using information on communication between users.

The information processing apparatus according to the embodiment of the present invention is a data acquisition unit that acquires communication history information for each user including information related to communication between users, and a user based on the acquired communication history information for each user. It is provided with a model generation unit that generates a model for calculating the creditworthiness of the above model, and a calculation unit that calculates the creditworthiness of the one user by using the information about the model and the communication between users of the one user.

In the above information processing device, the data acquisition unit acquires the communication history information for each user including the information related to the communication between users, and the model generation unit acquires the communication history information for each user based on the acquired communication history information for each user. Generate a model for calculating the creditworthiness of. After that, the calculation unit calculates the credit rating of the one user by using the model and the information regarding the communication between the users of the one user. In this way, by using the information related to the communication between users, it is possible to calculate the creditworthiness of the user who has a certain correlation with the social connection degree of the user from a viewpoint different from the conventional one.

According to the present invention, the creditworthiness of a user can be calculated from a viewpoint different from the conventional one by using the information related to the communication between users.

It is a system block diagram of the server of 1st Embodiment. It is a flow chart which shows the model generation process. It is a figure for demonstrating an example of model generation. It is a flow chart which shows the credit quality calculation and provision condition determination processing of 1st Embodiment. It is a system configuration diagram of the server of the 2nd Embodiment. It is a flow chart which shows the credit quality calculation and provision condition determination processing of 2nd Embodiment. It is a figure which shows the hardware configuration example of a server.

Hereinafter, various embodiments according to the present invention will be described. In the following, as the first embodiment, the model generation process and the process of calculating the creditworthiness of the user and determining the service provision condition will be described, and as the second embodiment, the creditworthiness of the user's related person will be further added to the user. The process of calculating the creditworthiness of the service and determining the service provision conditions will be described.

[First Embodiment]
(System configuration)
FIG. 1 shows a system configuration diagram of the server 10 (corresponding to the “information processing device” of the present invention) according to the first embodiment. As shown in FIG. 1, the server 10 includes a communication history DB 11, a data acquisition unit 12, a data processing unit 13, a model generation unit 14, a model DB 15, a credit rating calculation unit 16, a credit rating output unit 17, a credit rating DB 18, and provision conditions. The determination unit 19 is provided. The functions of each part are outlined below.

The communication history DB 11 is a database that stores communication history information for each user, including information related to communication between users.

The data acquisition unit 12 acquires communication history information for each user, including information related to communication between users, from the communication history DB 11. Here, an example in which the data acquisition unit 12 acquires communication history information from the communication history DB 11 provided in the server 10 will be described, but it is not essential that the server 10 includes the communication history DB 11. When the server 10 does not have the communication history DB 11, the data acquisition unit 12 may acquire the communication history information from the outside of the server 10 (for example, another server having the communication history DB). The above communication history information may include information that is regarded as a communication secret, and such information that is regarded as a communication secret is used when the consent of the user is obtained in advance.

The data processing unit 13 processes (converts) the communication history information acquired by the data acquisition unit 12 into a data format for model generation or a data format for applying to the generated model.

The model generation unit 14 generates a model for calculating the credit rating using the data processed by the data processing unit 13. The model generation method is not limited to a specific method, and various conventionally available methods may be adopted. Details of the functions of the data processing unit 13 and the model generation unit 14 will be described in the processing description of FIG.

The model DB 15 is a database for storing the model generated by the model generation unit 14.

The credit rating calculation unit 16 calculates the credit rating by applying the data processed by the data processing unit 13 to the generated model.

The credit rating DB 18 is a database for storing the calculated credit rating, and the credit rating output unit 17 outputs the credit rating calculated by the credit rating calculation unit 16 to the credit rating DB 18 and / or the provision condition determination unit 19. Further, the credit rating output unit 17 may display or print out the calculated credit rating.

The provision condition determination unit 19 determines the service provision condition given to the user based on the creditworthiness of the user. For example, the provision condition determination unit 19 determines the credit amount, which is the usage amount that the user can request the payment processing via the telecommunications carrier, as the service provision condition. Further, the provision condition determination unit 19 may display or print out the determined service provision condition.

(Processing in the first embodiment)
Hereinafter, as the processes in the first embodiment, a model generation process for generating a model (FIG. 2) and a process for calculating the creditworthiness of the user and determining the service provision condition (FIG. 4) will be described in order.

As shown in FIG. 2, in the model generation process, the data acquisition unit 12 acquires the communication history information for each user including the information related to the communication between users from the communication history DB 11 (step S1), and the data processing unit 13 receives the communication history information. The acquired communication history information is processed (converted) into a data format for model generation (step S2). For example, the data processing unit 13 calculates the number of outgoing calls, the number of incoming calls, the number of outgoing destinations, the number of incoming calls, the total talk time, etc. within a predetermined period for each user and passes it to the model generation unit 14.

Then, the model generation unit 14 generates a model for calculating the credit rating using the data processed by the data processing unit 13 (step S3). As an example of model generation, finding the coefficients of the following equation corresponds to model generation.
Credit = a0 ＋ a1 ・ x1 ＋ a2 ・ x2 ＋ a3 ・ x3 ＋… ＋ an ・ xn
(X: variable, a1 to an: coefficient, a0: constant term (correction value))
Specifically, a model is generated by executing the following procedure.
Step 1: As a data set for model generation, a set of explanatory variables (number of outgoing calls, number of incoming calls, number of outgoing destinations, number of incoming calls ...) and objective variables illustrated in FIG. 3 is prepared.
Step 2: Calculate the coefficients (a1 to an) using the method of least squares or the like.

The above is an example of model generation, and the present invention is not limited to the above method. Further, the explanatory variables (number of outgoing calls, number of incoming calls, number of outgoing destinations, number of incoming calls, ...) In FIG. 3 are examples, and are not limited to these, and are information related to user-to-user communication included in the communication history information. Can be selected arbitrarily from. In addition, the information used for the objective variable is not limited to the communication history information, but various information related to the creditworthiness.

After the model is generated, the model generation unit 14 stores the generated model in the model DB 15 (step S4), and ends the process of FIG.

As shown in FIG. 4, in the credit rating calculation and provision condition determination process, the data acquisition unit 12 acquires the communication history information of the target user including the information related to the communication between users from the communication history DB 11 (step S11), and processes the data. The unit 13 processes (converts) the acquired communication history information of the target user into a data format for applying to the generated model (step S12). For example, the data processing unit 13 calculates the number of outgoing calls, the number of incoming calls, the number of incoming calls, the number of incoming calls, the total talk time, etc. of the target user within a certain period, and passes it to the credit rating calculation unit 16.

Next, the credit rating calculation unit 16 acquires the generated model from the model DB 15, applies the data processed by the data processing unit 13 to the model to calculate the credit rating of the target user (step S13), and then , The credit rating output unit 17 outputs the credit rating calculated by the credit rating calculation unit 16 to the credit rating DB 18 and / or the provision condition determination unit 19. Here, the credit rating output unit 17 stores the calculated credit rating in the credit rating DB 18 and outputs it to the provision condition determination unit 19 (step S14).

Further, the provision condition determination unit 19 determines the service provision condition to be given to the user based on the creditworthiness of the user (step S15). For example, the provision condition determination unit 19 determines the credit amount, which is the usage amount that the user can request the payment processing via the telecommunications carrier, as the service provision condition.

According to the first embodiment described above, by using the information related to the communication between users, the degree of social connection of the user can be seen from another viewpoint without using the payment history information of the user as in the conventional case. It is possible to calculate the creditworthiness of a user who has a certain correlation with. Further, the service provision condition (for example, the credit amount) can be determined by the provision condition determination unit.

[Second Embodiment]
In the second embodiment, a process of calculating the creditworthiness of the target user by further considering the creditworthiness of the related person (for example, the communication partner user in the inter-user communication) of the target user and determining the service provision condition will be described.

(System configuration)
As shown in FIG. 5, the server 10 of the second embodiment is configured to include the related person identification unit 20 in addition to the configuration of the first embodiment of FIG. The related person identification unit 20 identifies one or more related persons who have a friendship with the target user by a procedure as illustrated later based on the information regarding the communication between the users of the target user. In the second embodiment, it is assumed that the creditworthiness of the related person is calculated in advance and stored in the creditworthiness DB18. The credit rating calculation unit 16 acquires the credit rating of the related person specified by the related person identification unit 20 from the credit rating DB 18, and further uses the credit rating of the related person (for example, an explanatory variable based on the credit rating of the related person). The credit rating of the target user is calculated, and the provision condition determination unit 19 determines the service provision condition given to the target user based on the credit rating of the target user calculated by adding the credit rating of the related person as described above. To determine. The specific processing contents will be described below.

(Credit calculation and provision condition determination process)
As shown in FIG. 6, in the credit rating calculation and provision condition determination process of the second embodiment, the data acquisition unit 12 acquires the communication history information of the target user including the information related to the communication between users from the communication history DB 11 (step). S21), the related person identification unit 20 identifies one or more related persons who have a friendship with the target user from the information regarding the communication between the users of the target user, and notifies the data acquisition unit 12 (step S22). Here, for example, the related person identification unit 20 extracts a predetermined number of destination users in descending order of the number of times they have been called from the information related to communication between users of the target user, and selects the predetermined number of destination users. It may be specified as a related person of the target user. As another example, the related person identification unit 20 extracts a predetermined number of communication destination users (destination user and destination user) from information on communication between users of the target user in descending order of total talk time. The predetermined number of communication destination users may be specified as related persons of the target user.

Upon receiving the notification of the related person, the data acquisition unit 12 acquires the communication history information of the related person including the information related to the communication between users from the communication history DB 11 (step S23), and the data processing unit 13 acquires the communication history of the target user. The information and the communication history information of the related person are processed (converted) into a data format to be applied to the generated model (step S24). For example, the data processing unit 13 calculates the number of outgoing calls, the number of incoming calls, the number of incoming calls, the number of incoming calls, the total talk time, etc. for the target user and the related person within a certain period, and passes them to the credit rating calculation unit 16.

As described above, in the second embodiment, it is assumed that the creditworthiness of the related person is calculated in advance and stored in the creditworthiness DB 18. Therefore, next, the credit rating calculation unit 16 acquires the credit rating of the related person specified by the related person identification unit 20 from the credit rating DB 18, and further uses the credit rating of the related person (for example, based on the credit rating of the related person). The creditworthiness of the target user is calculated (using the explanatory variables further), and the creditworthiness output unit 17 outputs the calculated creditworthiness of the target user to the creditworthiness DB 18 and / or the provision condition determination unit 19 (step S25). Here, the credit rating output unit 17 stores the calculated credit rating in the credit rating DB 18 and outputs the calculated credit rating to the provision condition determination unit 19. If the creditworthiness of the related person is not stored in the creditworthiness DB 18, the creditworthiness calculation unit 16 may calculate the creditworthiness of the related person and store it in the creditworthiness DB18.

Further, the provision condition determination unit 19 determines the service provision condition (for example, credit amount, etc.) to be given to the target user based on the credit rating of the target user (credit rating calculated using the credit rating of the related person in this embodiment). (Step S26).

According to the second embodiment described above, the creditworthiness of the target user can be more appropriately calculated by using the creditworthiness of the related person, and the service provision condition given to the target user from the calculated creditworthiness of the target user. (For example, credit amount, etc.) can be determined more appropriately.

The block diagram used in the description of the above embodiment shows a block of functional units. 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 physically and / or logically coupled device, or directly and / or indirectly by two or more physically and / or logically separated devices. (For example, wired and / or wireless) may be connected and realized by these a plurality of devices.

For example, the server 10 in the above embodiment may function as a computer that performs the processing of the above-mentioned server 10. FIG. 7 is a diagram showing an example of the hardware configuration of the server 10. The server 10 described above may be physically configured as a computer device including a processor 1001, a memory 1002, a storage 1003, a communication device 1004, an input device 1005, an output device 1006, a bus 1007, and the like.

In the following description, the word "device" can be read as a circuit, a device, a unit, or the like. The hardware configuration of the server 10 may be configured to include one or more of the devices shown in the figure, or may be configured not to include some of the devices.

For each function in the server 10, by loading predetermined software (program) on hardware such as the processor 1001 and the memory 1002, the processor 1001 performs an calculation, and communication by the communication device 1004 and communication in the memory 1002 and the storage 1003 are performed. It is realized by controlling the reading and / or writing of data.

Processor 1001 operates, for example, an operating system to control the entire computer. The processor 1001 may be composed of a central processing unit (CPU) including an interface with a peripheral device, a control device, an arithmetic unit, a register, and the like. For example, each functional unit of the server 10 may be realized including the processor 1001.

Further, the processor 1001 reads a program (program code), a software module, and data from the storage 1003 and / or the communication device 1004 into the memory 1002, and executes various processes according to these. As the program, a program that causes a computer to execute at least a part of the operations described in the above-described embodiment is used. For example, each functional unit of the server 10 may be stored in the memory 1002 and realized by a control program operating on the processor 1001, and other functional blocks may be realized in the same manner. Although it has been described that the various processes described above are executed by one processor 1001, they may be executed simultaneously or sequentially by two or more processors 1001. Processor 1001 may be mounted on one or more chips. The program may be transmitted from the network via a telecommunication line.

The memory 1002 is a computer-readable recording medium, and is composed of at least one such as a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EPROM (Electrically Erasable Programmable ROM), and a RAM (Random Access Memory). May be done. The memory 1002 may be referred to as a register, a cache, a main memory (main storage device), or the like. The memory 1002 can store a program (program code), a software module, or the like that can be executed to carry out the method according to the embodiment of the present invention.

The storage 1003 is a computer-readable recording medium, for example, an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, an optical magnetic disk (for example, a compact disk, a digital versatile disk, a Blu-ray). It may consist of at least one (registered trademark) disk), smart card, flash memory (eg, card, stick, key drive), floppy (registered trademark) disk, magnetic strip, and the like. The storage 1003 may be referred to as an auxiliary storage device. The storage medium described above may be, for example, a database, server or other suitable medium containing memory 1002 and / or storage 1003.

The communication device 1004 is hardware (transmission / reception device) for performing communication between computers via a wired and / or wireless network, and is also referred to as, for example, a network device, a network controller, a network card, a communication module, or the like. For example, each functional unit of the server 10 described above may be realized by including the communication device 1004.

The input device 1005 is an input device (for example, a keyboard, a mouse, a microphone, a switch, a button, a sensor, etc.) that receives an input from the outside. The output device 1006 is an output device (for example, a display, a speaker, an LED lamp, etc.) that outputs to the outside. The input device 1005 and the output device 1006 may have an integrated configuration (for example, a touch panel).

Further, each device such as the processor 1001 and the memory 1002 is connected by a bus 1007 for communicating information. Bus 1007 may be composed of a single bus, or may be composed of different buses between devices.

Further, the server 10 includes hardware such as a microprocessor, a digital signal processor (DSP: Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). The hardware may implement some or all of each functional block. For example, processor 1001 may be implemented on at least one of these hardware.

Although the present embodiment has been described in detail above, it is clear to those skilled in the art that the present embodiment is not limited to the embodiment described in the present specification. This embodiment can be implemented as a modified or modified mode without departing from the spirit and scope of the present invention determined by the description of the claims. Therefore, the description of the present specification is for the purpose of exemplifying explanation, and does not have any restrictive meaning to the present embodiment.

The order of the processing procedures, sequences, flowcharts, etc. of each aspect / embodiment described in the present specification may be changed as long as there is no contradiction. For example, the methods described herein present elements of various steps in an exemplary order, and are not limited to the particular order presented.

The input / output information and the like may be stored in a specific location (for example, memory), or may be managed by a management table. Input / output information and the like can be overwritten, updated, or added. The output information and the like may be deleted. The input information and the like may be transmitted to another device.

The determination may be made by a value represented by 1 bit (0 or 1), by a boolean value (Boolean: true or false), or by comparing numerical values (for example, a predetermined value). It may be done by comparison with the value).

Each aspect / embodiment described in the present specification may be used alone, in combination, or switched with execution. Further, the notification of predetermined information (for example, the notification of "being X") is not limited to the explicit one, but is performed implicitly (for example, the notification of the predetermined information is not performed). May be good.

Software, whether referred to as software, firmware, middleware, microcode, hardware description language, or by any other name, is an instruction, instruction set, code, code segment, program code, program, subprogram, software module. , Applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, features, etc. should be broadly interpreted.

Further, software, instructions, and the like may be transmitted and received via a transmission medium. For example, the software uses 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 to websites, servers, or other When transmitted from a remote source, these wired and / or wireless technologies are included within the definition of transmission medium.

The information, signals, etc. described herein may be represented using any of a variety of different techniques. For example, data, instructions, 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. It may be represented by a combination of.

Further, the information, parameters, etc. described in the present specification may be represented by an absolute value, a relative value from a predetermined value, or another corresponding information. ..

Mobile communication terminals may be subscriber stations, mobile units, subscriber units, wireless units, remote units, mobile devices, wireless devices, wireless communication devices, remote devices, mobile subscriber stations, access terminals, mobile terminals, etc. It may also be referred to as a wireless terminal, remote terminal, handset, user agent, mobile client, client, or some other suitable term.

The terms "determining" and "determining" as used herein may include a wide variety of actions. "Judgment" and "decision" are, for example, judgment, calculation, computing, processing, deriving, investigating, looking up (for example, table). , Searching in a database or another data structure), ascertaining can be considered as a "judgment" or "decision". Also, "judgment" and "decision" are receiving (for example, receiving information), transmitting (for example, transmitting information), input (input), output (output), and access. (Accessing) (for example, accessing data in memory) may be regarded as "judgment" or "decision". In addition, "judgment" and "decision" mean that the things such as solving, selecting, choosing, establishing, and comparing are regarded as "judgment" and "decision". Can include. That is, "judgment" and "decision" may include considering some action as "judgment" and "decision".

The phrase "based on" as used herein does not mean "based on" unless otherwise stated. In other words, the statement "based on" means both "based only" and "at least based on".

As long as "include", "including", and variations thereof are used within the scope of this specification or claims, these terms are similar to the term "comprising". Is intended to be inclusive. Furthermore, the term "or" as used herein or in the claims is intended not to be an exclusive OR.

In the present specification, a plurality of devices shall be included unless the device has only one device, which is apparently present in the context or technically. In the whole of the present disclosure, the plural shall be included unless the context clearly indicates the singular.

10 ... server, 11 ... communication history DB, 12 ... data acquisition unit, 13 ... data processing unit, 14 ... model generation unit, 15 ... model DB, 16 ... credit calculation unit, 17 ... credit output unit, 18 ... credit DB, 19 ... Provision condition determination unit, 20 ... Related person identification unit, 1001 ... Processor, 1002 ... Memory, 1003 ... Storage, 1004 ... Communication device, 1005 ... Input device, 1006 ... Output device, 1007 ... Bus.

Claims (3)

A data acquisition unit that acquires communication history information for each user, including information related to communication between users,
A model generation unit that generates a model for calculating the creditworthiness of a user based on the acquired communication history information for each user.
A related person identification unit that identifies one or more related persons who have a friendship with the one user based on information on communication between users of the one user.
The credit rating of the related person is calculated using the model and the information related to the user-to-user communication of the related person specified by the related person identification unit, and the calculated credit rating of the related person, the model, and the above-mentioned one. A calculation unit that calculates the creditworthiness of the one user using information related to user-to-user communication,
Information processing device equipped with. The information processing device
The provision condition determination unit, which determines the service provision conditions given to the one user based on the creditworthiness of the one user.
The information processing apparatus according to claim 1. The provision condition determination unit determines, as the service provision condition, a credit amount that is a usage amount that the one user can request payment processing via a telecommunications carrier.
The information processing device according to claim 2.

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