JP6971522B2 - A service provision system that provides services linked to a financial asset management system - Google Patents

Description

The present invention relates to a technique for providing a service linked with a financial asset management system.

A PFM (Personal Financial Management) system that centrally manages individual assets by aggregating account information of various financial institutions such as banks, securities, and insurance has become widespread. Patent Document 1 discloses a technique relating to a PFM system. The PFM system can be used to accurately grasp an individual's assets.

In addition, as a system similar to PFM, there is already an accounting system that centrally manages the income and expenditure, financial status, and asset status of a company.

Japanese Unexamined Patent Publication No. 2016-149103

No proposals have been made so far for new services using information obtained from PFM systems or accounting systems.

The service providing system according to the embodiment of the present invention includes an acquisition unit that acquires user's financial asset information from a financial asset management system that manages financial asset information that aggregates a plurality of types of financial information, and the financial asset information. It has a matching unit for matching the lender's user and the borrower's user based on.

According to the present invention, it is possible to provide a new service using the information obtained by the PFM system or the accounting system.

It is a figure which shows an example of the whole system configuration including a service providing system. It is a figure which shows an example of the screen displayed on a user terminal. It is a figure which shows an example of PF information. It is a figure which shows an example of the screen displayed on a user terminal. It is a figure which shows the example of the concept of microfinance. It is a figure explaining the example which matches the lender user and the receiver user. It is a figure which shows an example of segmentation. It is a flowchart which shows an example of a matching process. It is a figure which shows an example of the screen displayed on the display part of the user terminal of a lender. It is a figure explaining a risk premium. It is a figure which shows an example of the information disclosed by an information providing part. It is a figure which shows the example of information disclosure.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The configurations described in the following embodiments are merely examples, and the present invention is not limited to the configurations shown.

<< Explanation of terms >>
First, the terms used in the present specification will be described.

PFM (Personal Financial Management): Centralized management of personal assets by aggregating account information of various financial institutions such as banks, credit companies, securities, and insurance.

PF (Personal Financial) information: Information obtained in a PFM system that performs PFM. The PFM system aggregates information in cooperation with the servers of various financial institutions, and the PF information is information obtained by aggregating information obtained from multiple types of financial institutions in this way. Point to. The PF information includes, for example, deposit / withdrawal information such as daily household budget. This deposit / withdrawal information includes details such as usage and details. Further, the PF information includes information on various financial assets such as deposits, stocks, and investment trusts.

Lending: It refers to connecting people and companies that want to lend (invest) money with people and companies that want to borrow money.

Robo-advisor: A service in which a computer automatically manages assets according to the profile of an investor (lender). Generally, an investor (creditor) answers a plurality of questions to determine an investor (creditor) profile.

Service provision system: A system that provides the main services described in this specification. For example, services such as lending and robo-advisors are provided.

Lend money: Indicates that the service provision system will fund the services (lending, robo-advisor) provided. In this specification, various expressions such as investment, investment, lending, lending, financing, and purchase of receivables may be used as similar expressions depending on the scene.

Borrow money: Indicates that the above funding is provided by the services provided by the service delivery system.

Lender user n: A set of users who want to lend money, or a set of users who have already lent money. When simply referred to as "lender user", it may be a single lender user or a plurality of lender users.

Borrower user m: A set of users who want to borrow money, or a set of users who have already received a loan of money. When simply referred to as "borrower user", it may be a single borrower user or a plurality of borrower users.

<< Table of Contents >>
The table of contents of this specification is described below.

<1. System configuration>
<2. Information obtained from PFM system / accounting system>
<2-1. Information about lenders>
<2-2. Information about the borrower>
<2-3. Guessing information about lenders or borrowers>
<3. Lending ＞
<3-1. Borrower segmentation>
<3-1-1. Microfinance ＞
<3-1-2. Matching example>
<3-1-3. Example of segmentation>
<3-1-4. Matching processing sequence>
<3-1-5. Matching UI screen>
<3-1-6. Expected rate of return>
<3-2. Creditor segmentation>
<3-3. Lending by purpose (lender side)>
<3-4. Lending by purpose (borrower side)>
<3-5. Management of borrower repayment status ＞
<3-6. Condition setting (lender side)>
<3-7. Condition setting (borrower side)>
<3-8. Matching>
<3-9. Borrower (singular, plural) vs. lender (singular, plural)>
<3-10. Public system>
<3-11. Application to AI>
<4. Robo-advisor ＞
<4-1. Selection of surplus assets ＞
<4-2. Application to AI>
<4-3. Advice linked to interest rate information>
<4-4. Display function>
The following embodiments are described according to the above table of contents. Here, a configuration using a PFM system will be described, but a system using an accounting system instead of the PFM system can also be configured in the same manner. The accounting system has functions such as invoice / quotation creation, accounts payable / accounts payable management, clearing processing, accounting analysis report output, and accounting books.

<1. System configuration>
FIG. 1 is a diagram showing an example of an overall system configuration including the service providing system 100 according to the present embodiment. This system includes a service providing system 100, a PFM system 150, a user terminal 160, and a financial institution server 180.

The service providing system 100 is connected to the PFM system 150 and the user terminal 160 via various communication networks. Although not shown, the service providing system 100 may be connected to the financial institution server 180 via a communication network. The configuration of the service providing system 100 will be described later.

The PFM system 150 is a system that provides PFM services, and is a general term for various databases and servers related to PFM. The PFM system 150 is connected to a financial institution server 180, which is a server of various financial institutions such as banks, credit companies, and securities companies, via a communication network. At the request of the user, the PFM system 150 acquires the user's deposit / withdrawal information and financial asset information from each of the financial institution servers 180 on behalf of the user. The PFM system 150 integrates various acquired deposit / withdrawal information and financial asset information. Then, the integrated information (PF information) is transmitted to the user terminal 160 in response to a request from the user terminal 160. Further, in the present embodiment, the PFM system 150 transmits PF information to the service providing system 100 according to an instruction from the user terminal 160 or in response to an instruction from the service providing system 100.

User terminal 160 is a general term for terminals used by lender users and borrower users. In some cases, the lender's user may be the borrower's user, and in some situations, the borrower's user may be the lender's user. A plurality of users may share one user terminal 160, or one user may use a plurality of user terminals 160. The user terminal 160 may be any kind of terminal such as a personal computer, a tablet, and a mobile terminal. The service providing system 100 and the PFM system 150 manage the login of the user, and provide a service unique to the logged-in user.

As described above, the financial institution server 180 is a server of various financial institutions. The financial institution server 180 is a general term for servers of a wide variety of financial institutions.

The service providing system 100, the PFM system 150, and the financial institution server 180 in the present embodiment can be realized as an information processing device. The information processing device may have a CPU, a memory, an HDD, and a network interface. Various processes performed in each system (and server, and so on) are, for example, that the program stored in the HDD of each system is temporarily read into the memory, and the CPU executes the program read into the memory. Can be realized with.

Next, the configuration of the service providing system 100 will be described. The service providing system 100 includes a control unit 101, a PF information acquisition unit 102, an asset identification unit 103, a determination unit 104, a matching unit 105, a classification unit 106, a management unit 107, an instruction transmission unit 108, an instruction reception unit 109, and an information provision unit. It has 111, a contract processing unit 112, a model construction unit 113, a learning model 114, and an asset management support processing unit 115.

As described above, in each part of the service providing system 100 shown in FIG. 1, a program stored in an HDD (not shown) of the service providing system 100 is temporarily read into a memory, and a CPU constituting the control unit 101 controls the control unit. By executing the program read into the memory constituting the 101, the CPU may function as each part shown in FIG. Further, at least a part of each part shown in FIG. 1 may be realized by a plurality of information processing devices connected to each other via various networks. Further, at least a part of each part shown in FIG. 1 may be realized by distributed processing by a plurality of information processing devices. Further, the information processing apparatus may execute the process according to a program downloaded from a cloud server or the like (not shown). FIG. 1 is merely an example of a configuration and may include other configurations. Moreover, not all of the configurations shown in FIG. 1 are essential requirements.

The control unit 101 controls various types of the service providing system 100. The control unit performs processing such as transmitting information and data to each unit of the service providing system 100 and controlling the overall processing of the service providing system 100.

The PF information acquisition unit 102 acquires PF information from the PFM system 150. The PF information of each user may be sent from the PFM system 150 in response to an instruction from the user terminal 160. Alternatively, the user logs in from the user terminal 160 to the service providing system 100, transfers the user's authority to the service providing system 100, and the PF information acquisition unit 102 accesses the PFM system 150 on behalf of the user. Then, the PF information of the user may be acquired. The acquired PF information may be the PF information of the lender user or the PF information of the borrower user.

The asset identification unit 103 identifies an asset based on the PF information acquired by the PF information acquisition unit 102. The asset identification unit 103 may specify the asset based on the information directly obtained from the PF information, or specify the asset based on the information indirectly obtained from the PF information (for example, inferred information). You may.

The determination unit 104 performs various determination processes.

The matching unit 105 performs a process of connecting the borrower user and the lender user. The matching unit 105 can connect the borrower user and the lender user according to various conditions. Details will be described later.

The classification unit 106 performs various classifications (also referred to as segmentation). For example, the borrower user can be segmented or the lender user can be segmented. Alternatively, the classification unit 106 may classify the user's assets.

The management unit 107 performs various types of management. For example, the management unit 107 manages each user. In addition, the management unit 107 manages the contract between the lender and the borrower tied by lending. In addition, the management unit 107 manages various funds used for lending. In this way, the management unit 107 manages various data and information.

The instruction transmission unit 108 transmits instructions to the PFM system 150, the user terminal 160, the financial institution server 180, and the like.

The instruction receiving unit 109 receives instructions from the PFM system 150, the user terminal 160, the financial institution server 180, and the like.

The information providing unit 111 provides various information to the user terminal 160 of the lender user and the borrower user. Information may be transmitted in response to a request from the user terminal 160 of the lender user and the borrower user. Further, the information providing unit 111 may notify the user terminal 160 of various notifications.

The contract processing unit 112 performs various processing when a contract is concluded or changed.

The model building unit 113 builds the learning model 114 based on various data.

The learning model 114 is constructed by the model building unit 113. When various data are input to the constructed learning model 114, the data corresponding to the input data is output.

The asset management support processing unit 115 performs processing to support asset management. For example, run the services of a robo-advisor.

In the following, the user sends various instructions to the service providing system 100 using the user terminal 160, and the user receives various information and data from the service providing system 100 through the user terminal 160. Will be explained on the premise of. In the following, the description may be simplified and explained with emphasis on the explanation of the content. Therefore, for example, expressions such as "the user gives an instruction to the service providing system 100" and "the user sends an instruction to the service providing system 100" are "the user inputs an instruction to the user terminal 160, and the instruction is input." It is assumed that the user terminal 160 transmits the instruction to the service providing system 100. " Further, the expression "the user receives information or data provided from the service providing system 100 (or each part included in the service providing system)" is expressed from the service providing system 100 for the user terminal 160 used by the user. Information is sent, and the user confirms the information and data displayed on the display screen of the user terminal 160. " Similarly, the expression "user provides funds" also means "the user inputs an instruction to provide funds to the user terminal 160, and the user terminal 160 sends the instruction to the service providing system 100 to provide the service." It includes the meaning of "the system 100 performs a process of providing funds according to an instruction". In addition, the same applies to processes such as "the user transfers the claim".

<2. Information obtained from the PFM system>
Next, the information obtained from the PFM system 150 will be described. That is, the PF information acquired by the PF information acquisition unit 102 will be described.

<2-1. Information about lenders>
The PF information acquisition unit 102 acquires PF information about the user of the user terminal 160. For example, the user A instructs the PFM system 150 through the user terminal 160 to transmit the PF information of the user A to the service providing system 100. The PFM system 150 transmits the PF information of the user A to the service providing system 100 in response to this instruction. The PF information acquisition unit 102 can acquire the PF information transmitted in this way. Alternatively, the user A transfers the authority of the user A to the PFM system 150 to the service providing system 100, and the PF information acquisition unit 102 transmits a transmission request of the PF information of the user A to the PFM system 150 on behalf of the user A. You may.

The PF information acquisition unit 102 only needs to be able to acquire the PF information of the user, and does not have to acquire detailed information. For example, personally identifiable information such as bank names, account numbers, credit card numbers, telephone numbers, dates of birth, and addresses need not be obtained from the PFM system 150. When the information obtained from the PFM system 150 includes such information, the PF information acquisition unit 102 may acquire the information after performing mask processing as appropriate. Further, the deposit / withdrawal information in the PF information may include a store name, for example, an AAA store. Individuals may also be identified from such information. Therefore, the PF information acquisition unit 102 may acquire information replaced with a category name (for example, a restaurant). Such rewriting of information may be performed by the PFM system 150 or by the service providing system 100 side (for example, the PF information acquisition unit 102).

FIG. 2 shows an example of a screen 200 displayed when the user A logs in to the service providing system 100 using the user terminal 160. For example, the login request instruction of the user A is sent from the user terminal 160 to the service providing system 100. The instruction receiving unit 109 receives this login request instruction. When the control unit 101 can identify the user as being managed by the management unit 107, the control unit 101 transmits a screen as shown in FIG. 2 to the user terminal 160 through the information providing unit 111. The user A selects by clicking or tapping each operation button displayed on the user terminal 160 (hereinafter, collectively referred to as pressing), and the instruction corresponding to the operation button is provided from the user terminal 160 as a service. It will be sent to the system 100. Then, the screen corresponding to the instruction is transmitted from the information providing unit 111 to the user terminal 160 and displayed. When the button 210 is selected by the user on the screen 200, the confirmation process of the surplus assets is executed in the service providing system 100.

When the instruction receiving unit 109 receives the confirmation instruction of the surplus asset, the control unit 101 causes the asset specifying unit 103 to perform a process of specifying the asset. The asset identification unit 103 acquires the PF information of the logged-in user A from the PF information acquisition unit 102. Then, the surplus asset of the user A is specified based on the acquired PF information.

FIG. 3 is a diagram showing an example of PF information. As shown in FIG. 3, the PF information includes a history of daily deposits and withdrawals (PF information I1). The PF information 1 may include detailed details (for example, the name of the store where the product was purchased). Further, the PF information includes not only the history of deposits and withdrawals but also information on various financial assets (PF information I2) held by the user A such as savings, stocks, and investment trusts. The asset specifying unit 103 can specify surplus assets by using such PF information. According to the PF information, in addition to the user's assets, the daily income and expenditure can be specified, so that the surplus assets for each user can be accurately specified. The information providing unit 111 can transmit information indicating the asset specified by the asset specifying unit 103 to the user terminal 160 of the user A.

FIG. 4 is a diagram showing an example of a screen displayed on the user terminal 160. For example, as shown in FIG. 4, the information providing unit 111 identifies the monthly surplus assets and notifies the user, or has a special extra income compared to other months, so that this month's surplus You can notify the user that your assets are increasing. As a result, the user A can objectively grasp his / her surplus assets.

<2-2. Information about the borrower>
As described above, the PF information is information obtained for both the borrower user and the lender user. From the perspective of the borrower user, the borrower user is in a position to repay the borrowed money, so it is preferable that the expenses are made in consideration of the repayment. By using the PF information, it is possible to determine whether the borrower user's repayment is properly performed or is likely to be performed. That is, the determination unit 104 can refer to the PF information acquired by the PF information acquisition unit 102 as necessary to determine whether or not an unfavorable state has occurred. For example, it is not desirable to be a borrower user to repay a debt. Therefore, the determination unit 104 can refer to the PF information and determine that the user who has a large number of debt repayments is not recognized as a borrower user.

<2-3. Guessing information about lenders or borrowers>
The asset specifying unit 103 can also refer to the PF information and specify an asset that is not included in the PF information. For example, assets such as real estate and automobiles can be identified. The PF information includes details of deposits and withdrawals. With reference to this item, for example, when the user A pays the property tax, the asset identification unit 103 can presume that the user A owns the real estate. Further, when the user A pays the automobile tax, the asset specifying unit 103 can presume that the user A owns the automobile. In addition, a rough asset can be estimated from the payment amount. In this way, the asset specifying unit 103 can specify the surplus assets of the user A by using various information included in the PF information.

This surplus asset is an amount that can be reasonably invested (invested, loaned) when, for example, user A becomes a lender. It is also an amount that can be repaid without difficulty when, for example, user A becomes a borrower. Here, an example of uniformly displaying as surplus assets is shown, but a different amount of surplus assets may be displayed depending on whether the user A becomes a borrower or a lender.

In this way, since the surplus assets are specified based on the PF information, the user can easily confirm how much amount can be lent or borrowed. In particular, by using the PF information, the income and expenditure of daily life can be accurately grasped, so that an appropriate surplus fund can be specified. For example, whether a certain income is a regular income or an extra income can be specified from the PF information.

<3. Lending ＞
As described above, by using the PF information, the balance of the user can be accurately grasped by both the user himself and the service providing system 100. As a result, new services can be provided. For example, it is possible to attract potential users who have not been interested in investment or the like. Further, by using the PF information, it is possible to present the amount of money (surplus funds) that can be invested with a margin for each user. Such surplus funds are, by their nature, different in nature from the funds provided to existing financial services. Specifically, surplus funds are, in extreme cases, funds of a nature that users may lose. By using such surplus funds, it is possible to provide various services.

Hereinafter, a mode in which the service providing system 100 provides a lending service for connecting a person and a company who wants to lend money with a person and a company who wants to borrow money will be described. By pressing the button 220 of FIG. 2, the user who wants to lend money becomes the subject of various processes described below as the lender user. By pressing the button 230 in FIG. 2, the borrower user who wants to borrow money becomes the main body of various processes described below as the borrower user. The screen of FIG. 2 is only an example, and is not limited to this.

<3-1. Borrower segmentation>
First, the segmentation of borrower users will be described. Segmentation is the classification into certain units. In the present embodiment, the classification unit 106 classifies (segments) the users managed by the management unit 107 using the PF information. By using PF information, it is possible to classify users into various types, such as whether or not they are users who are making steady living expenses and whether or not they own real estate. Users who spend a solid living or who own real estate are more likely to repay if they become borrowers. In other words, it is unlikely that you will step down without paying back your debt. In this way, borrowers can be segmented according to their likelihood of repayment and interest can be set according to that segment.

When lending money, the lender user may specify an arbitrary segment and decide to lend it to a borrower belonging to that segment. When the lender specifies a segment, the matching unit 105 performs matching processing and matches with a borrower (a user who wants to borrow money) belonging to the segment. If the matching is successful, the matching unit 105 connects the lender and the borrower. That is, the matching unit 105 sends information on the lender and the borrower for which matching is established to the contract processing unit 112. The contract processing unit 112 mediates the lending and borrowing of money between the lender user A and the borrower user B after the matching is established.

It should be noted that the lending and borrowing of money can be realized by various methods. For example, the service providing system 100 may perform remittance processing from the financial institution server 180 in which the account of the lender user A exists to the financial institution server 180 in which the account of the borrower user B exists on behalf of the lender user A. .. Alternatively, the service providing system 100 may receive a loan from the financial institution server 180 of the lender user A. That is, the funds may be temporarily transferred to the service providing system 100. Then, the remittance process may be performed from the service providing system 100 to the financial institution server 180 of the borrower user B. Alternatively, the service providing system 100 may perform the above-mentioned remittance processing through the PFM system 150. In this embodiment, money may be lent or borrowed in any form.

<3-1-1. Microfinance ＞
Next, a detailed example of segmentation will be described. As explained earlier, by using PF information, it is expected that not only existing investment users but also users who have never considered investment will be motivated to invest. .. In other words, the base of users who make investments will expand. This is because each user can grasp the amount of money that does not have a large effect even if it disappears from the daily income and expenditure. Until now, users who have relatively assets often made investments, but if they can properly grasp their own assets, even users who have relatively few assets can make small investments. You can figure out how much to do.

Here, if the processing by the matching unit 105 of the service providing system 100 is followed, matching under various conditions becomes possible. For example, it is possible to raise a small amount of money in large quantities. It is possible to carry out so-called microfinance (small-scale finance). Microfinance is sometimes used to mean financing to the poor, but in this embodiment, it is simply used to mean financing using a small amount of funds. For example, until now, there were only a limited number of users who could invest one million yen, but with microfinance, for example, if 1,000 users who invest 1,000 yen gather, the same amount of investment will be made. Can be done. Moreover, investment using such a small amount of money has various merits as compared with the case where one user makes an investment. Hereinafter, it will be described in detail.

FIG. 5 is a diagram showing an example of the concept of microfinance. In FIG. 5A, the horizontal axis is the investment amount, and the vertical axis shows the allowable default risk (default risk). In FIG. 5B, the horizontal axis represents the investment amount, and the vertical axis represents the risk premium that the lender user wants to invest. The risk premium is the excess return (additional return) required for the risk of investment including risk.

FIG. 5 (a) shows that the larger the investment amount, the lower the acceptable default risk. That is, it is shown that the lender user has the psychology of investing in a project that is unlikely to be repaid as long as he / she invests a large amount of money. In short, if you invest a lot of money, you will want to invest in a project that is likely to be repaid. On the other hand, when investing a small amount, the lender user is willing to invest in a project that is unlikely to be repaid. For example, if it is a small amount such as 100 yen or 1000 yen, in an extreme case, the psychology that it does not have to be repaid as it is works.

FIG. 5B shows that the higher the investment amount, the higher the risk premium that one wants to invest. In other words, as long as a large amount of money is invested, it shows the psychology of the lender user who expects that the amount of money invested will be increased. On the other hand, when making a small investment with a small investment amount, it shows the psychology of the lender user that the amount of investment does not have to be so large. For example, when a small amount such as 100 yen or 1000 yen is invested, the lender user does not care whether the risk premium for the investment amount is 3%, 5%, or 10%. On the other hand, when investing a large amount of money such as 1 million yen or 10 million yen, the risk premium becomes an important factor for the lender user. In this way, the default risk that can be tolerated even by the same person and the risk premium that makes you want to invest will differ depending on the amount of investment.

As a typical example, consider a case where a single user invests 10 million yen and a case where a single user invests 10 million yen collected from a large number (for example, 1,000 people) by microfinance. The funds collected from a large number of people in microfinance are the total amount of small amount of funds that the investor thought that they could lose. Since the amount is such that it can be lost, the risk premium for the funds collected by microfinance can be set low. On the other hand, since it is a large investment for a single user, it means that the investment is made unless the risk premium is set high as shown in Fig. 5 (b), that is, the additional income is not set high (that is, the profit from interest etc.). Does not come out.

Summarizing the above, the small amount of funds collected by microfinance becomes funds that can be lost. Even with such a small amount of funds that can be lost, it is possible to make a large investment by collecting from a large number. If it is a large investment that can be lost, there is no problem even if the risk premium is set lower than that of existing financial institutions. That is, when lending funds to a borrower user, the interest rate of the funds collected by microfinance can be set lower than the interest rate set by an existing financial institution. From the perspective of the borrower user, it is possible to borrow the funds collected by microfinance at a lower interest rate than borrowing funds from an existing financial institution. In this way, the use of microfinance makes it possible to provide new financial services.

<3-1-2. Matching example>
An example of matching the lender user n and the recipient user m will be described with reference to FIG. The lender user n is a set of users who lend the funds collected by microfinance, as described above. For example, lender users A1, A2 ... An, and so on, one group can be composed of n people. Although it is described here that a group is formed for convenience of explanation, the individual users A1, A2 ... An of the lender do not need to know the information of other lender users. User management and matching are performed by the management unit 107 and the matching unit 105 of the service providing system 100.

As shown in FIG. 6, the borrower user in this section can be a company, an organization, or the like that handles various funds. That is, the user terminal 160 of the borrower user may be a server of a company, an organization, or the like that handles these various funds.

An example of a potential borrower user will be described with reference to FIG. Of course, the present invention is not limited to the example shown in FIG. The borrower user may be a company, institution, or organization that delivers a specific type of bond and obtains funds instead. The classification unit 106 of the service providing system 100 can classify (segment) borrowers according to these specific types. In addition, distinguishing from the segmentation described with reference to FIG. 7 described later, classifying the borrowers according to a specific type is referred to as the first segmentation. As will be described in detail below, the lender user n can receive and provide funds under favorable conditions (for example, at a lower interest rate) than existing financial institutions and the like. Therefore, the service providing system 100 can provide a new financial service or a financial service that replaces an existing financial institution.

As an example of a borrower user, for example, a holder of an electronic bond is taken as an example. Electronic receivables are distributed on the Densai Net and are a type of bill. Bills can be redeemed for cash when the deadline is reached. On the other hand, if the source of the bill defaults, for example, bankruptcy, the bill cannot be redeemed. That is, there is such a default risk in the bill. Existing financial institutions (for example, banks) set a discount rate (present value of bills) for bills in consideration of such risks, and then purchase the bills before the due date. On the other hand, the lender user n of microfinance can set the risk premium low as explained above, so that the discount rate can be set lower than the discount rate set by the existing financial institution. can. The reason for this is <3-1-1. As explained in Microfinance>, so to speak, the lender user n of microfinance is a group of users with small investment that can be lost, so it is lower than the risk premium set by financial institutions for the same amount of money. This is because even if it is a risk premium, there is a willingness to invest.

For example, if an existing bank buys an electronic bond at 90% of face value before the due date, a microfinance lender user n may buy it at 95% of face value, for example. You can buy the bond. In other words, if the borrower (creditor of the electronic bond) is used, the lender user n of the microfinance will be able to receive the electronic bond at a higher amount.

If the claim is taken over, the name will be rewritten. In the present embodiment, for example, it is assumed that the management unit 107 of the service providing system 100 manages a virtual account, a virtual name, and the like. Then, the name of the collected claim can be rewritten to the virtual name of the service providing system 100. Each of the users who have invested in the collection of the creditor, that is, the lender user n, is associated with this virtual name. In this way, by changing the name to the name related to the service providing system 100 instead of the name of the lender user n who actually provided the funds, a change occurs in some users of the lender user n as described later. In some cases, it is not necessary to change the name further. However, it is not limited to this example. The collected credit may be rewritten into the joint name of each of the lender users n.

Next, a form in which a borrower user is trying to borrow a loan such as a financial institution or a scholarship will be described. As described above, the lender user n of the microfinance of the present embodiment has a psychology of wanting to invest even if the risk premium is lower than that of an ordinary financial institution or the like. Therefore, a borrower user who wants to conclude a loan agreement and borrow money can borrow funds from the lender user n of the microfinance of the present embodiment, which has a lower interest rate than existing financial institutions. ..

Next, the usage pattern of the credit card will be described. Credit card users pay for products, etc. with a card at stores, etc. In this case, the store or the like will have a claim against the credit card company. Then, the store or the like receives payment of money from the card company after a certain date. At this time, the store generally pays a fee to the card company. In the present embodiment, it is possible to adopt a form in which the creditor user n of the microfinance undertakes the claim of this card. As described above, the lender user n of the microfinance of the present embodiment has a psychology of wanting to invest even if the risk premium is lower than that of an ordinary financial institution or the like. Therefore, since it is possible to set a lower usage fee than the existing credit card company, it is conceivable that the member store of the credit card transfers the credit to the lender user n of the microfinance of the present embodiment. That is, it is possible for the lender user n of the microfinance to assume the role of the card company.

Next, the usage pattern of corporate bonds will be described. For example, some companies are thinking of issuing corporate bonds to raise funds. The lender user n of the microfinance of the present embodiment can underwrite the corporate bond at a yield lower than the yield required in a general market. Therefore, even if the underwriter cannot be found, the lender user n of the microfinance of the present embodiment can be such an underwriter.

Next, the usage pattern of the investment trust will be described. The lender user n of the microfinance of the present embodiment will use a small amount of funds as described above. Therefore, for example, it is possible to operate at 100 yen per unit instead of operating at 10,000 yen per unit in the past. In general, risk and return are proportional. In other words, the higher the risk, the higher the return. The lower the risk, the lower the return. Since the lender user n of the microfinance of the present embodiment can operate using a small amount of funds, a high risk can be taken. In other words, since it is an amount that can be lost, there is a tendency not to worry even if the risk is high. Therefore, it is possible to collect a large number of small funds and make an investment trust with a high expected yield.

As described above, the types of borrowers can be segmented (first segmentation) such as electronic bonds, loans, credit cards, corporate bonds, investment trusts, etc. shown in FIG. Further, the present invention is not limited to the example shown in FIG. 6, and any segment can be provided.

<3-1-3. Example of segmentation>
In FIG. 6, the types of borrower users have been described. The lender may determine a particular type of borrower user to lend to and invest in that particular type of borrower user. That is, the type of borrower user (for example, an electronic bond) may be specified for investment. However, if a lender invests in a particular type, unfairness may occur depending on the timing of the investment. For example, if the matching unit 105 individually matches in the order in which the applications are made, a hit or miss may occur. That is, the lender user A1 may be a creditor to be repaid exactly, but the lender user A2 may be a non-performing creditor. To solve this, you can create a category for each theme. Creating a category for each theme is called the second segmentation.

It should be noted that the segmentation may be divided according to the type of the borrower user as described above because it may be divided according to a certain classification, or it may be divided according to a specific category as described below. May be good. That is, segmentation includes a first segmentation and a second segmentation.

FIG. 7 is a diagram showing an example of segmentation (second segmentation). In this example, three categories of "regional promotion (Japan)", "advancement / study abroad", and "sports" are set as categories. The category of "Regional Promotion (Japan)" includes corporate bonds of a company in a certain region R1, electronic bonds in that region R1, and credit cards of a credit card in that region R1. ing. The category of "advancement / study abroad" includes a user's loan receivables. The category of "sports" includes receivables for equipment related to a certain sports S1, loan receivables for studying abroad in sports related to the sports S1, and operating expenses of a professional sports team of the sports S1. .. The category as shown in FIG. 7 is created in advance by, for example, the classification unit 106. Alternatively, the borrower user or the lender user may access the service providing system 100 and create an arbitrary category.

The example of FIG. 7 shows an example in which a lender user n composed of a plurality of users has invested in the category of “regional promotion (Japan)”. In FIG. 7, two people are briefly shown as an example, but a lender user n consisting of a large number of users may make an investment, for example, 200 people or 2000 people.

In this embodiment, each claim included in a certain category is treated as a collective claim, as in this “regional promotion (Japan)”. Then, each user constituting the lender user n will have an indivisible claim. Each user may have a split claim. The lender user n invests in the category of "regional promotion (Japan)". That is, the lender user n does not specifically specify and invest in the individual creditors included in "Regional Promotion (Japan)". This segmentation creates some sort of ambiguity. For this reason, for example, among the individual claims included in "Regional Promotion (Japan)", some may be repaid and some may not be repaid, but each user constituting the lender user n is not. You can reduce the feeling of fairness.

FIG. 8 is a flowchart showing an example of matching processing by the matching unit 105 when investment is made for the category shown in FIG. 7.

In step S810, the matching unit 105 provisionally acquires the bond Y (j) yen for the predetermined category k. Specifically, category k will be described as an example of "regional promotion (Japan)" in FIG. 7. In "Regional Promotion (Japan)" in FIG. 7, since three claims are included, j = 1, 2, and 3. That is, in step S810, each claim belonging to the predetermined category k is provisionally acquired.

In step S820, the matching unit 105 receives the investment X (i) from the lender user i for the predetermined category k. Here, it is assumed that the bite is 100 yen.

In step S830, the matching unit 105 notifies the contract processing unit 112 when the total investment amount received in step S820 reaches the amount of the receivables provisionally acquired in step S810. Here, the total investment amount is 100 (yen / unit) * sum X (i) (i = 1 to n) (unit). Further, when the amount of the temporarily acquired claim reaches Y (j) + α yen, the contract processing unit 112 may be notified. Here, the α-yen assumes a churn rate r (%), and is (Y (j) + α) * (100−r) / 100 = Y (j).

Upon receiving this notification, the contract processing unit 112 acquires the claim. That is, the transfer of the name of the claim is executed on the Densai Net or the like. As described above, the rewriting of the name may be a form of changing to a virtual account managed by the management unit 107, a virtual name (temporary name), or a form of rewriting to the joint name of the lender user. If you change to a virtual name, even if each user has a split bond and the lender user changes during the investment, you can change the creditor on the Densai Net without changing the creditor each time. I'm done. The contract processing unit 112 performs a process of executing the change of the contract. For example, a predetermined notification may be sent to a financial institution server or the like. This step S830 may be repeated, for example, on a daily basis. That is, if the investment amount is accepted on a daily basis and the acquisition is not possible, the contract may be unsuccessful, and the process of provisionally acquiring the claim may be performed again in step S810 the next day.

In step S840, the contract processing unit 112 sets a collective claim for the claim acquired in step S830. The amount of the claim S (k) is [sum Y (j) (J = 1 to m)] yen. That is, in the case of "regional promotion (Japan)" in FIG. 7, m = 3, and the total amount of the three claims is a collective claim. For example, the bond e1a is 10,000 yen, the bond e1b is 100,000 yen, and the bond e1c is 3,000 yen. Then, the total of these 113,000 yen becomes a collective claim.

Step S850 is a process when a profit is obtained, including a subsequent repayment. In step S850, the management unit 107 distributes the profit obtained to each user according to the equity. For example, the credit amount S (k) set in step S840 is divided by the number of credits invested by each user. That is, in step S840, distribution is made according to the ratio of the amount of money invested by each user himself / herself. For example, if the claim e1b becomes unpaid, the claim e1b becomes uncollectible money. The bond e1a has reached maturity, and the bond e1b is collected by adding a premium (interest) according to the discount rate. Since the bond e1c has not reached the deadline, the bond e1c is not collected. In such a case, the distribution regarding the claim e1a will be made to the user who has invested in the category k.

The matching unit 105 performs such processing for each category.

As described above, by segmenting into a plurality of categories and adopting a form of investing in the categories, it is possible to alleviate the unfairness of the lender user. By providing a category specialized for a specific purpose or a specific type as a category, the lender user n can actively invest in the category desired by himself / herself. For example, a lender user who likes sports can invest in the "sports" category with a feeling of half-donation.

FIG. 9 is a diagram showing an example of a screen 900 displayed on the lender's user terminal 160. In FIG. 9, the investment amount and the recovery amount are displayed in a graph for each category, and the amounts are displayed numerically. In addition, as shown in Legend 910, each flag has its color, density, pattern, etc. changed so that it can be seen that the flag is "uncollected", "unrecoverable", and "recovered". Is displayed. In addition, an area showing the total amount is displayed. By using the screen as shown in FIG. 9, the lender can confirm the amount invested and the amount collected by the lender by category. Also, if you have invested in multiple categories, you can check the total investment amount and recovery amount. The lender can make an additional investment in the desired category by pressing the "additional investment" button 920. You can also add a category by pressing the "Add category" button 930. When a category is added, the added category may be added to either the top, bottom, left, or right of the existing displayed category.

The image displayed on the screen 900 of FIG. 9 is an image displayed on a computer having an investment determination function, an investment determination function, an expected rate of return display function, a collected money display function, or an investment category addition function. Further, the image of FIG. 9 is an image for information input operation, an image for function execution operation, an image for information browsing display, or a composite image.

Further, the expected rate of return may be displayed in each category of the image. In that case, the lender can use the expected rate of return as one of the criteria for determining whether or not to invest.

<3-1-6. Expected rate of return>
Next, an example of a model for calculating the expected rate of return will be described. Here, the expected rate of return is expressed as R (k) (t). Here, k is a category, as described above. t is the date and time. That is, the expected rate of return R (k) (t) is different for each category, and is also different depending on the date and time. The expected rate of return can be expressed by the following equation (1).

Expected rate of return R (k) (t) = [1 / (1-Discount rate r (k) (t))] * (1-Default rate D (k) (t)) * 100 (%)
Equation (1)
Here, the discount rate r (k) (t) is calculated by the following equation (2).

Discount rate r (k) (t) = risk-free interest rate r0 (t) + risk premium p (k) (t) Equation (2)
For this risk-free interest rate r0 (t), for example, the interest rate of government bonds can be used.

Further, the default rate D (k) (t) is obtained by the following equation (3).
Default rate D (k) (t) = Average (D (k) (t) (t = 1,… t-1)) Equation (3)

That is, the default rate can be the past average value of the category. As shown in equations (1) to (3), it can be seen that the expected rate of return R (k) (t) depends on the risk premium p (k) (t).

Here, the risk premium p (k) (t) can be set so that, for example, the relationship of the following equation (4) holds.

△ | Investment amount X (k) (t)-(Application) Claim amount Y (k) (t) | / △ Risk premium p (k) (t) = 0 Equation (4)

FIG. 10 is a diagram illustrating the above equation (4). In other words, if the risk premium is high, the investment (lending) side will lend more. On the other hand, the amount borrowed by the borrower decreases. Conversely, if the risk premium is low, the investment (lending) side will lend less. On the other hand, the amount borrowed by the borrower increases. In this way, the risk premium is in a trade-off relationship between the lender and the borrower. Then, it can be considered that the portion balanced between the lender and the borrower is a suitable risk premium to be set, and the above equation (4) follows this idea. Such a suitable value can be obtained, for example, from the relationship between the amount of investment and the amount of receivables in that category in the past. Alternatively, the data obtained through a demonstration experiment or the like may be obtained as teacher data using AI or the like.

Another example of the discount rate r (k) (t) is obtained by the following equation (5).

Discount rate r (k) (t) = Average (r (k) (t) (t = 1,… t-1)) Equation (5)

Yet another example of the discount rate r (k) (t) is the discount rate r (k) presented for the (application) receivable j belonging to category k, assuming that the borrower offers the discount rate and applies for a loan. ) (T) (j) is calculated by the following equation (6) as the average.

Discount rate r (k) (t) = Average (r (k) (t) (j) (j _∈ k)) Equation (6)

In addition, <3-1-1. As explained in the section of Microfinance>, it is expected that the risk premium desired by the lender of microfinance n will be lower than the risk premium of existing financial institutions and markets. Therefore, for example, even if the platform usage fee of the service providing system is added, it is possible to operate at a lower amount than the risk premium of existing financial institutions and markets.

<3-2. Creditor segmentation>
In the above item <3-1>, the segmentation of the borrower user has been described. In this section, segmentation of lender users will be described. In this embodiment, the classification unit 106 classifies and segments lender users. For example, the lender user is classified according to various conditions such as lending conditions such as interest when lending and the amount of surplus assets of the lender user. Then, the matching unit 105 matches the lender user n (a set of individual lender users) belonging to the same classification (segment) with the borrower user. Since users with similar lending conditions can be segmented, for example, user A3 among the lender users n needs funds in a hurry, so even if the matching unit 105 wants to raise the funds, the matching unit 105 can be used. It is possible to quickly confirm whether another lender user AX belonging to the same segment is willing to provide funds. The lender user AX who has been consulted can make a quick decision because the lending conditions and the like are basically the same as those desired by him / her. If the lender user AX intends to provide funds, the contract processing unit 112 can promptly change the lender.

<3-3. Lending by purpose (lender side)>
Next, an example will be described in which the borrower user clearly indicates the purpose of use and the lender user lends money accordingly. Although the content is partially similar to the segmentation described in <3-1>, in this section, the borrower user does not have to be a set of a plurality of borrower users. In this section, the case of a single borrower user will be described as an example.

In the form of this section, the information providing unit 111 discloses the information of the borrower user. For example, the borrower registers a specific financial purpose in the service providing system 100, and the information providing unit 111 discloses this information. The lender user finds a borrower user with a specific funding purpose based on the information published by the information provider 111.

FIG. 11 is a diagram showing an example of information disclosed by the information providing unit 111. The borrower user has registered the purpose for which he / she wants to borrow funds. FIG. 11 shows an example in which the information registered in this way is listed. Some lender users have a desire to support users for specific funding purposes. Therefore, the lender user sends an instruction to the service providing system 100 to provide funds to such a user having a specific purpose. The matching unit 105 performs matching based on this instruction, and the contract processing unit 112 makes a contract.

When the funds are borrowed for such a specific purpose, the service providing system 100 extracts a part of the items related to the specific purpose from the PF information of the borrower user and discloses the information to the lender user. May be good. FIG. 12 is a diagram showing an example of such information disclosure. In this example, the borrower user XXX1 accepts the provision of funds for the purpose of acquiring the qualification of a weather forecaster. At this time, the information providing unit 111 masks the information that may identify an individual from the PF information I3 of the borrower user XXX1 among the items that are likely to be related to the acquisition of the qualification, and discloses it to the lender user. .. In the example of FIG. 12, the content that the transfer was made to the qualification course and the information that the book was purchased are disclosed to the lender user. Detailed date and time and information on the store where the product was purchased will not be disclosed. From the point of view of the lender user, it can be seen that the funds provided by the lender are being used for that purpose, which gives a sense of security. Further, when used for such a specific purpose, the lender user can feel like a supporter of the borrower user. Therefore, for example, although the borrower user's personal information is not known, the borrower user's efforts, growth, goal achievement, and the like can be shared. Therefore, it is possible to encourage the lender user not only to lend money but also to support the borrower user.

In the above example, the case where the borrower user is for an individual purpose has been described as an example, but various organizations such as companies and groups, business entities, and the like may be borrower users who have a specific purpose.

Further, depending on the purpose of the borrower user, the interest rate may be a floating interest rate. For example, if the specific purpose is business funds, it may be a performance fee type. That is, after guaranteeing the principal of the lender, the interest rate may be the operating profit of the company that is the borrower user × the predetermined rate during the loan period.

In addition, the specific purpose includes the purpose of lending funds to other users through the service providing system 100. That is, the borrower user may be for the purpose of borrowing funds in order to become a lender user.

For example, the borrower user B3 is assumed to be a highly reliable user who has borrowed funds multiple times in the past and always makes repayments without delay. Reliable users can also set interest rates cheaper, for example, as described below. Here, it is assumed that the borrower user B3 borrows 1 million yen from the lender user A3 at an interest rate of 3%. The borrower user B3 may become a lender by himself / herself, and may lend 1 million yen to another borrower, for example, the borrower user C3 at an interest rate of 5%. That is, the borrower user B3 can borrow funds at an interest rate of 3%, become a lender user, and lend at an interest rate of 5%. In this case, the borrower user B3 may lend a total of 2 million yen to the borrower user D3 by adding 1 million yen from the lender user A3 to 1 million yen of his / her own funds.

<3-4. Lending by purpose (borrower side)>
In <3-3> above, an example is described in which the borrower user discloses the purpose and the lender user who agrees with the purpose lends the funds. In this section, the purpose for which the lender user wants to lend the funds is disclosed. The borrower user can borrow funds according to the purpose.

For example, if the lender wants to go to the store he wants to go to, eat the food he specifies, and take a picture, he publishes the conditions. The borrower confirms the published conditions, and if undertaking, instructs the user terminal 160 to that effect. The matching unit 105 performs matching based on the instruction received by the instruction receiving unit 109. The borrower user then fulfills its intended use. Here, the PF information of the borrower user may be disclosed to the lender user by the information providing unit 111. It should be noted that not all PF information is disclosed, but items related to the purpose of use may be disclosed in a manner that does not identify an individual. Since the living balance of the borrower user can be accurately known from the PF information, it can be determined based on the PF information whether or not the borrower user actually achieved the purpose of use. For example, when the information providing unit 111 sends a proof image of a food and drink photograph received from the borrower to the lender, the lender user can refer to the PF information to confirm that the photograph is certainly the photograph of eating and drinking at the store. , The lender user can judge. For example, you can combine images on the Internet to check if you are lying.

Although the mode in which the PF information is disclosed to the lender user and the lender user determines whether or not the purpose of use has been achieved has been described here, the determination unit 104 of the service providing system 100 may make the determination. That is, the determination unit 104 determines the degree to which the purpose of use will be achieved based on the purpose of use set in the contract and the PF information of the borrower user, and the information providing unit discloses the information to the lender user. You may.

The lender user may also disclose the desired repayment rate for the purpose of the fund. In other words, some users think that the principal does not have to be repaid if the lender user can achieve the desired purpose. Therefore, the repayment amount may be changed according to the degree of achievement of the purpose, or the information may be disclosed.

<3-5. Management of borrower repayment status ＞
Next, the management of the repayment status of the borrower user will be described. It is a process mainly performed by the management unit 107. The management unit 107 acquires the PF information of the user who is the borrower user every day. By referring to the PF information, it is possible to grasp the substance of the life of the borrower user. For example, when the expense is continuously increasing, the information providing unit 111 notifies the borrower user of a message urging attention or improvement. It is not preferable to borrow from another financial institution for repayment. Therefore, if the number of exchanges with other financial institutions increases based on the PF information, a warning may be issued to the borrower user.

The management unit 107 issues a warning and informs the contract processing unit 112 that there is a possibility that the repayment will not be made. In such a situation where repayment is difficult, the contract processing unit 112 may consider the possibility of changing the contract and change the contract. That is, arbitration between the borrower user and the lender user is performed. For example, the repayment plan can be reviewed by the borrower user paying an additional fee (predetermined amount or additional interest rate) (1 month hold or extension of repayment period). At this time, if the arbitration does not go well, the contract processing unit 112 may invite the participation of a new lender user and allow the lender user who has announced participation to participate as a party. The contract processing unit 112 causes a new lender user to make a full repayment to the current lender user on behalf of the borrower user. The new lender user transfers the credit from the current lender user. The borrower user may send an instruction to request the matching unit 105 to match with the new lender user, and the matching unit 105 may perform a process of finding a new lender user.

In addition, some contracts may use a lump sum repayment to repay the full amount at a predetermined time, or a method of repayment to a certain extent every month. In the case of monthly repayment, the loan with the interest rate added will be transferred to the lender, but this repayment may be lent to the same borrower as it is. This will substantially postpone the repayment period.

<3-6. Condition setting (lender side)>
The borrower user can set various conditions when borrowing funds. For example, repayment conditions, collateral conditions, etc. These conditions are disclosed by the information providing unit 111 in a form in which an individual is not identified. The lender user can see the public information to determine the desired borrower user.

<3-7. Condition setting (borrower side)>
The lender user can set various conditions when lending funds. The lender can set conditions such as a borrower who has a past repayment record and a borrower who has no past refund delay as the target of the loan. It is also possible to set the upper limit of money lending, the educational background of the borrower user, the age, and the like. Further, for example, the lender user may include the living condition of the borrower user in the condition of the money lending. For example, not gambling or buying unnecessary luxury goods. Since these pieces of information can be specified from the PF information, the determination unit 104 can determine whether or not such a condition is satisfied. It should be noted that these conditions are disclosed by the information providing unit 111 in a form that does not identify an individual. The borrower may decide on a lender by looking at the public information. That is, by analyzing the information from the PFM system and the accounting system, it is possible to easily identify or determine the borrower after grasping the individual characteristics and the corporate characteristics.

<3-8. Matching>
The matching unit 105 can perform matching as shown above. For example, when the conditions of the lender user and the conditions of the borrower user are matched, both are matched. Then, the contract processing unit 112 is notified. As described above, the matching unit 105 can be performed based on various information. Further, the matching unit 105 may provide each user with a recommended partner user, a recommended plan, or the like based on various set conditions.

<3-9. Borrower (singular, plural) vs. lender (singular, plural)>
As described above, in the present embodiment, various types of contracts are established. For example, it is as follows.
(1) Single borrower user: Single lender user (2) Multiple borrower users: Single lender user (3) Single borrower user: Multiple lender users (4) Multiple borrower users: Multiple lender users , When there are multiple lender users, the market can be expected to be activated. That is, as described above, if there are a plurality (many) lender users, the total amount may be very large even if each user makes a small investment. Moreover, the burden on individual users is small to invest such a small amount. Until now, donations or investments have been made for specific purposes, but each user can correctly understand how much investment amount is not burdensome or appropriate investment amount. Moreover, the threshold for investment was high. However, by using the service providing system of the present embodiment, the user can grasp an appropriate amount of money from the PF information of each user. In addition, it is possible to easily find a desired investment destination. Therefore, it is possible to dig up users in a group where financial assets have not been fully utilized so far, and it is possible to increase the liquidity of financial assets.

Further, when the lender constitutes a group consisting of a plurality of people, a plurality of methods can be considered. One lender can recruit or convene another lender. When one lender searches for another lender, it can be extracted by looking at the past achievements. For example, the number of past loans is more than a predetermined number, and the collection rate is more than 105%. The extraction conditions can be the actual number of cases, the collection rate, the number of paid cases, the number of unpaid cases, the paid-up rate, and the unpaid rate. By forming a group in this way and lending to one or more borrowers in the group, the loan amount can be increased as a whole and the risk can be diversified. As a method of identifying a borrower in a group, the leader of the group or each member finds a candidate borrower and introduces the borrower to other members to add the borrower.

<3-10. Public system>
The information providing unit 111 has described an example in which various conditions of a borrower user and a lender user are widely disclosed. In addition, an example of disclosing the information of the other party of the contract of the borrower user or the lender user to the other party user according to a specific purpose has been described.

The information providing unit 111 may disclose the PF information of the borrower user to the lender user regardless of a specific purpose. The disclosure level discloses information at a level that does not identify an individual. Information that is not so may be disclosed after devising such as simply displaying the category name as "restaurant" when the expenditure such as the chain store name plus the store name is described. Since the daily situation can be checked as appropriate, the lender user can get a glimpse of the daily life and growth of the borrower user, so it is possible to have a simulated experience as if training the borrower user. You can also. Further, instead of disclosing such information, the interest rate may be set low.

In addition, the lender user may be actively disclosed to the public. For example, a lender user who contributes greatly to society, for example, a lender user who lends a large amount of money, or a lender user who lends to a large number of people may be disclosed.

<3-11. Application to AI>
The model building unit 113 may build the learning model 114 using the data of various services performed by the service providing system 100. That is, the so-called artificial intelligence may be made to memorize the data so far. For example, information on money lending information provided by the service providing system 100 (for example, whether to make an appropriate repayment, whether the repayment is delayed, or whether the repayment cannot be made), and expenditure information (living expenditure) obtained from the PF information. The learning model 114 may be constructed using. When PF information is input to the learning model 114 constructed in this way, data indicating the possibility of repayment is output from the learning model 114. The determination unit 104 may determine the possibility of repayment based on this result, and may notify the information providing unit 111 when the repayment is likely to be delayed.

<< 4. Robo-advisor >>
So far, the form in which the service providing system 100 provides the lending service has been described. In the following sections, the form in which the service providing system 100 provides the service of the robo-advisor will be described. For example, by pressing the button 240 in FIG. 2, the user can receive the service of the robo-advisor described later.

The configuration of the service providing system 100 can be the same as the configuration for providing the lending service shown in FIG.

<4-1. Selection of surplus assets ＞
As described above, the surplus funds can be specified by using the PF information obtained from the PFM system 150. The asset specifying unit 103 identifies surplus assets. The classification unit 106 can further classify the identified assets. For example, surplus funds can be classified into long-term funds for retirement, short-term funds used for travel funds, or funds without a future perspective such as complete surplus. The asset management support processing unit 115 can manage assets according to this classification result. For example, funds from a long-term perspective can be used for stable long-term management, while funds without a future perspective can be used for high-risk investment management, allowing flexible asset management. The surplus can fluctuate according to daily life. Therefore, the funds appropriately classified based on the PF information fluctuate. The asset management support processing unit 115 may appropriately change the management according to the fluctuating funds.

<4-2. Application to AI>
In this section, the model building unit 113 builds a learning model 114 for, for example, a prominent investor or a user with a large number of reviews. The asset management support department may manage assets using the learning model constructed in this way. For example, the user may send an instruction to select a learning model 114 of a desired investor among prominent investors via a user terminal.

<4-3. Advice linked to interest rate information>
The asset management support processing unit 115 may send a message of advice to the user in conjunction with various interest rate information. For example, if interest rates are very low, you may be advised to invest even if you borrow money.

<4-4. Display function>
If there is news related to the assets owned by the company, it may be displayed (or linked) on the asset management screen. By displaying related news along with the asset management screen, the user can obtain various information and can make an appropriate investment decision.

In the above example, the case where the service providing system 100 performs the lending service and the case where the robo-advisor is performed have been described. The service providing system 100 may execute both of these, or may execute either of them.

Each part for realizing the function of the above-described embodiment can be implemented by hardware or software, for example. When implemented by software, the program code that controls the hardware may be executed by various processors such as CPUs and MPUs. Hardware such as a circuit for realizing the function of the program code may be provided. Part of the program code may be implemented in hardware, and the rest may be executed by various processors.

Further, in the above-described embodiment, the lease of Japanese yen is shown as an example, but foreign currencies other than Japanese yen can also be the transaction target. Furthermore, although not explicitly stated, both the lender and the borrower may be Japanese or foreigners, and may be resident in Japan or resident overseas.

Also, in case the borrower becomes unable to repay (default), if the system operator or a third party pays a guarantee fee (part of interest rate, etc.) to protect the lender, at the time of default A mechanism may be applied in which the non-refunded principal portion is paid to the lender on behalf of the borrower.

100 ... Service provision system, 101 ... Control unit, 102 ... Information acquisition unit, 103 ... Asset identification unit, 104 ... Judgment unit, 105 ... Matching unit, 106 ... Classification unit, 107 ... Management unit, 108 ... Instruction transmission unit, 109 ... Instruction receiving unit, 111 ... Information providing department, 112 ... Contract processing department, 113 ... Model construction department, 114 ... Learning model, 115 ... Asset management support processing department, 150 ... System, 160 ... User terminal, 180 ... Financial institution server

Claims (5)

An acquisition department that acquires user's financial asset information from a financial asset management system that manages financial asset information that aggregates multiple types of financial information.
A matching unit that matches the lender's user and the borrower's user based on the financial asset information.
Has a service provision system. Further provided with an information providing unit that discloses the financial asset information of the borrower user to the lender user.
The matching unit matches the user of the lender with the user of the borrower based on the instruction of the user of the lender with respect to the financial asset information.
The service providing system according to claim 1. The financial asset information of the borrower user includes information indicating a specific financial purpose of the borrower user.
The service providing system according to claim 2. When the borrower user matched by the matching unit borrows funds from the lender user, the information providing unit may use the borrower user's financial asset information for a specific financial purpose of the borrower user. Disclose information related to the lender to the lender's user who lent the funds to the borrower's user.
The service providing system according to claim 2 or 3. The information providing unit masks the information related to the specific financial purpose of the borrower user and can identify the borrower user, and discloses it to the lender user.
The service providing system according to claim 4.

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