JP7016243B2 - User characteristic estimation device and user characteristic estimation method - Google Patents

Description

The present invention relates to a user characteristic estimation device and a user characteristic estimation method for estimating user characteristics indicating what kind of person the user who receives the communication service is. As an example of the characteristics of the user, the creditworthiness of the user can be mentioned. This "credibility" is an index showing 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". In addition, as another example of the user's characteristics, a trust score that quantifies the reliability associated with the user's individual behavioral characteristics (for example, a score regarding whether or not to use the loaned item cleanly), and a user's life event. Scores (life event scores: for example, scores for married / not married, scores for having / not having children, etc.) are also included.

The following Patent Document 1 discloses a technique for obtaining a more appropriate evaluation result (for example, credit rating) from a plurality of basic information (credit rating system) for a company as an evaluation target.

Japanese Unexamined Patent Publication No. 2009-251938

However, the technique of Patent Document 1 is based on the premise that the evaluation target is not a "user" but a "company" and uses all of a plurality of basic information, and up to the point of selectively using appropriate basic information. Is not considered. Therefore, in a situation where a plurality of basic information (for example, a credit rating system) exists, it is difficult to appropriately estimate the characteristics of the user by selectively using the appropriate basic information according to the contract information of the user. There was room for improvement.

The present invention has been made to solve the above problems, and an object of the present invention is to appropriately estimate a user's characteristics by using one or more basic information appropriately set according to a user's contract information. And.

The user characteristic estimation device according to the embodiment of the present invention is a user characteristic estimation device that estimates the user's characteristics, and is one of a plurality of basic information that is the basis for estimating the user's characteristics and should be used for estimation. A function for inputting the above basic information is set by a setting unit according to the contract information of the user, and a function for inputting one or more basic information set by the setting unit is used to input the user. It is provided with a characteristic estimation unit for estimating characteristics.

In the user characteristic estimation device, the setting unit inputs a function that inputs one or more basic information to be used for estimation among a plurality of basic information that are the basis for estimating the user's characteristics, according to the contract information of the user. Then, the characteristic estimation unit estimates the user's characteristics by using the set function that inputs one or more of the above basic information. As a result, in a situation where a plurality of basic information exists, the user's characteristics are appropriately used by selectively using one or more basic information suitable for the user who receives the communication service according to the contract information of the user. Can be estimated.

According to the present invention, the characteristics of a user can be appropriately estimated using one or more basic information appropriately set according to the contract information of the user.

It is a system block diagram of the server which concerns on embodiment of an invention. It is a figure which shows an example of the contract information stored in the contract information DB. It is a flow diagram which shows the process executed by a server. It is a figure for demonstrating how to use a plurality of credit system. It is a figure which shows the hardware configuration example of a server.

Hereinafter, embodiments according to the present invention will be described.

FIG. 1 shows a system configuration diagram of the server 10 (corresponding to the “user characteristic estimation device” of the present invention) in the present embodiment. As shown in FIG. 1, the server 10 includes a contract information DB 11, a plurality of creditworthiness DB 12, a setting unit 13, and a characteristic estimation unit 14. The functions of each part are outlined below.

The contract information DB 11 is a database that stores contract information for each user who receives a communication service. For example, as shown in FIG. 2, the contract information DB 11 has at least contract information regarding a certain user (user 1).
・ Information on participating companies (for example, provider X),
・ The name of the service being provided and
-"Presence / absence of contract", "Type (information on whether the service is unique to the provider X or the standard service of the industry)" for each of the above services,
I remember. The same applies to other users.

As shown in FIG. 1, the plurality of creditworthiness DBs 12 store, for example, a service-specific creditworthiness system unique to a provider that provides a communication service and defined for each service to which a user is individually provided. Service-specific creditworthiness DB12A, provider-specific creditworthiness DB12B that stores the provider-specific creditworthiness system that is commonly defined for services unique to the provider, and industry standards defined based on the industry standards of the industry to which the provider belongs. It is configured to include an industry standard credit rating DB12C that stores the credit rating system. Of these, the service-specific credit system stored in the service-specific credit DB 12A is predetermined only for services that the user individually receives, and in order to receive the service, the user subscribes. It shall be necessary to make a separate contract with the company. Therefore, in the present embodiment, the presence / absence of a contract for receiving the provision of the service corresponds to the “presence / absence of a contract” for each service shown in FIG. 2, and the service A in which “there is a contract” in the example of FIG. A service-specific credit rating system is predetermined for each of B and B, and is stored in the service-specific credit rating DB 12A.

The setting unit 13 sets a function for inputting one or more credit system to be used for estimation among the plurality of credit systems stored in the credit DB 12 according to the contract information of the user. The setting process will be described later, but as an example of the setting of the above-mentioned "function that inputs one or more credit rating systems", the setting unit 13 should be used for estimation according to the contract information of the user. One or more credit system may be set, weighting may be set for each of the credit systems, and the set credit system and a function based on the weight may be set.

The characteristic estimation unit 14 estimates the creditworthiness of the user by using a function that inputs one or more creditworthiness systems set by the setting unit 13. As described above, the characteristic estimation unit 14 may estimate the creditworthiness of the user by using, for example, a set creditworthiness system and a function based on the weighting.

Of the above, the contract information DB 11 and the credit rating DB 12 are not essential to be provided inside the server 10. For example, the contract information DB 11 and the credit rating DB 12 are provided in one or more external devices, and the server 10 inquires of the contract information DB 11 and the credit rating DB 12 in the external device as needed to acquire necessary information. You may.

(Processing in this embodiment)
Hereinafter, the process executed by the server 10 of the present embodiment (process according to the user characteristic estimation method of the present invention) will be described with reference to the flow chart of FIG. In the following, as an example, weighting is set for each of one or more credit systems to be used for estimation and the credit system according to the user's contract information, and the user's credit system and a function based on the weight are used. An example of processing for estimating the credit rating will be described. However, in the present invention, it is not essential to set the weighting as follows and use it for estimating the credit rating.

First, the setting unit 13 acquires the contract information of the target user (here, the user 1 in FIG. 2) from the contract information DB 11 (step S1 in FIG. 3), and based on the acquired contract information, the target service is provided. It is determined whether or not the service is unique to the provider and there is a contract (step S2). Explaining with the example of the contract information of FIG. 2, if the target service is service A or B, the condition of step S2 is satisfied, so it is determined as YES, and the process proceeds to step S3. On the other hand, if the target service is service C or D, the condition of step S2 is not satisfied, so it is determined as NO, and the process proceeds to step S4.

In step S3, the setting unit 13 uses the industry standard credit system, the common credit system within the provider company, and the service-specific credit system as shown in the usage of the credit system for services A and B in FIG. And set these weights. The set information (credit system to be used and weighting) is sent to the characteristic estimation unit 14. The method for setting the weight here is not limited to a specific method, but for example, the weight increases in the order of the service-specific credit system, the common credit system within the provider company, and the industry standard credit system (that is, the service-specific credit system>. It may be set so that the common credit system within the provider company> the industry standard credit system). In this way, by setting a relatively high weighting for the credit rating system peculiar to the service and the credit rating system common to the provider of the service, a plurality of credit rating systems can be used more appropriately.

In step S4, the setting unit 13 determines whether or not the target service is a unique service of the providing company based on the contract information acquired in step S1. Explaining with the example of the contract information of FIG. 2, if the target service is service C or D, the negative determination is made in step S2 and the process proceeds to step S4. Of the services C and D, service C is the condition of step S4. Is satisfied, YES is determined, and the process proceeds to step S5. Since the service D does not satisfy the condition of step S4, NO is determined, and the process proceeds to step S6.

Although the above service C is a service peculiar to the provider, it corresponds to a service in which the user does not need to make a contract with the provider individually in order to receive the service. For example, in the provider. Corresponds to a service that spans multiple services. Further, the above-mentioned service D corresponds to, for example, not a service peculiar to a provider but a service that spans a plurality of providers.

In step S5, the setting unit 13 sets an industry standard credit system and a common credit system within the provider company as a system to be used, as shown in the usage of the credit system for service C in FIG. 4, and weights them. To set. The set information (credit system to be used and weighting) is sent to the characteristic estimation unit 14. The method for setting the weight here is not limited to a specific method, but for example, the weight increases in the order of the common credit system within the provider and the industry standard credit system (that is, the common credit system within the provider> the industry standard credit system). It may be set to be systematic). By setting a relatively high weighting for the common credit rating system in the service provider in this way, it is possible to use a plurality of credit rating systems more appropriately.

On the other hand, in step S6, the setting unit 13 sets only the industry standard credit system (of course, its weighting is 100%) as the system to be used, as shown in the usage of the credit system for the service D in FIG. The set information is sent to the characteristic estimation unit 14.

Then, in step S7, the characteristic estimation unit 14 estimates the creditworthiness of the target user according to one or more creditworthiness systems and weights set by the setting unit 13.

According to the embodiment of the invention described above, in a situation where there are a plurality of creditworthiness systems, the creditworthiness of the target user is appropriately used by selectively using one or more appropriate creditworthiness systems according to the contract information of the target user. Can be estimated to.

As described above, the industry standard credit system and the common credit system within the provider are used for the service C that spans multiple services in the provider, and the industry standard credit system is used for the service D that spans the plurality of providers. Estimate the user's creditworthiness using only the system. That is, the service-specific credit system of the service A or B related to the individual contract is not used for estimating the credit rating of the services C and D. Therefore, even if the user cancels the service A or B, the credit rating of the services C and D is not affected at all, and the consistency can be guaranteed.

Further, since the service-specific credit rating system of service A is used only for credit rating estimation for the corresponding service A and not for credit rating estimation for services other than service A, it is concealed like a credit card credit service, for example. It is possible to prevent the service-specific credit system for services that use sexual user credit information from being used in credit estimation for other services, and to comply with rules and legal systems such as the protection of personal information. ..

In addition, since at least the industry standard credit rating system is used for credit rating estimation for all services A to D, it is possible to avoid credit rating estimation based on information that deviates from the industry standard, for example, and quality above a certain level is ensured. Can achieve the industry standards that have been set.

Furthermore, for services A to C provided only by a certain provider, the common credit system within the provider is used in addition to the industry standard credit system in the credit estimation, so the common credit system within the provider provides higher reliability. It is possible to realize a certain credit rating and secure a competitive advantage within the industry from the perspective of the provider.

In the above embodiment, an example of estimating the creditworthiness of the user has been described as an example of the characteristics of the user, but the "characteristics" of the user in the present invention are not limited to the "credibility" of the user. Any trait that indicates what kind of person is can be applied to traits other than creditworthiness. Characteristics other than creditworthiness include, for example, a confidence score that quantifies the reliability associated with a user's individual behavioral characteristics (for example, a score regarding whether or not to use a loaned item cleanly), and a score regarding a user's life event (life). Event scores: For example, scores for being married / not married, scores for having / not having children, etc.).

In addition, there may be a case where it is desired to estimate the user's overall characteristics (credibility) for the plurality of services A and B shown in FIG. In such a case, the service-specific credit system for service A, the service-specific credit system for service B, the common credit system within the provider company, and the industry standard credit system shown in FIG. 4 should be used for estimation. By setting, it is possible to estimate the overall characteristics (credibility) of the user for the plurality of services A and B.

Further, 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 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. 5 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 operation, and the communication device 1004 communicates with the memory 1002 and the storage 1003. 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 in 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 EEPROM (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 communicating 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. The bus 1007 may be composed of a single bus or may be composed of different buses between the 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, the 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 embodiments described in the present specification. This embodiment can be implemented as an amendment or modification without departing from the spirit and scope of the present invention as determined by the description of the scope of claims. Therefore, the description herein is for purposes of illustration only and has no limiting implications for this embodiment.

The processing procedures, sequences, flowcharts, and the like of each aspect / embodiment described in the present specification may be rearranged in order 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, a memory) or may be managed by a management table. Information to be input / output may 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 may be switched and used according to the 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 other names, 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 may use 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 website, server, 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. It may include (for example, accessing data in memory) to be regarded as "judgment" or "decision". In addition, "judgment" and "decision" are considered to be "judgment" and "decision" when 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 herein or within the scope of the claims, these terms are similar to the term "comprising". In addition, it is intended to be inclusive. Moreover, the term "or" as used herein or in the claims is intended to be non-exclusive.

In the present specification, a plurality of devices shall be included unless the device has only one device apparently in context or technically. The entire disclosure is intended to include more than one, unless the context clearly indicates the singular.

10 ... server, 11 ... contract information DB, 12 ... credit DB, 12A ... service-specific credit DB, 12B ... common credit within the provider company, 12C ... industry standard credit DB, 13 ... setting unit, 14 ... characteristic estimation unit, 1001 ... Processor, 1002 ... Memory, 1003 ... Storage, 1004 ... Communication device, 1005 ... Input device, 1006 ... Output device, 1007 ... Bus.

Claims (3)

As a characteristic of the target user, it is a user characteristic estimation device that estimates the credit rating, which is an index indicating the degree of trust in the target user.
Contract information for each user who receives communication services, such as information on the communication service provider to which the user subscribes, the name of the service for which the user is provided by the communication service provider, and each service. A contract information database that stores the contract information, including information on the existence of a contract and whether the service is a unique service of the communication service provider or a standard service of the industry.
A service-specific credit system A, which is a service unique to a communication service provider and includes information for estimating the credit rating of the user who receives the service, which is defined for each service that the user individually contracts and receives the service, and the above. Commonly defined for services that are unique to communication service providers and that users can receive without individual contracts, including information for estimating the creditworthiness of the users who receive the services. A credit rating database that stores the credit rating system B and the industry standard credit rating system C that includes information for estimating the credit rating of the user who receives the provision, which is determined based on the industry standard of the industry to which the communication service provider belongs.
The contract information about the target user is acquired from the contract information database, and based on the acquired contract information,
When it is determined that the service provided by the communication service provider to which the target user is subscribed is a unique service of the communication service provider and there is a contract for the service, the credit rating of the target user is estimated. As one or more credit system to be used, the service-specific credit system A, the provider company common credit system B, and the industry standard credit system C stored in the service database are set, and the service-specific credit system is set. The weighting a of A, the weighting b of the common creditworthiness system B within the provider company, and the weighting c of the industry standard creditworthiness system C are set so that the weighting a> the weighting b> the weighting c.
When it is determined that the service provided by the communication service provider to which the target user is subscribed is a unique service of the communication service provider and there is no contract for the service, the credit rating of the target user is estimated. As one or more credit system to be used, the common credit system B in the provider company and the industry standard credit system C are set, and the weighting b of the common credit system B in the provider company and the weighting of the industry standard credit system C are weighted. Set c so that weighting b> weighting c,
When it is determined that the service provided by the communication service provider to which the target user subscribes is an industry standard service, as one or more credit system to be used for estimating the credit rating of the target user, The industry standard credit system C is set, and the weighting c of the industry standard credit system C is set to 100%.
As a function with the set credit system and weighting,
Credit rating of the target user = Σ (credit rating obtained by applying the attributes of the target user to one credit rating system x weighting of the one credit rating system)
And the setting part to set
Using the function set by the setting unit, the characteristic estimation unit that estimates the creditworthiness of the target user, and the characteristic estimation unit.
A user characteristic estimator comprising. The setting unit is
The service provided by the communication service provider to which the target user subscribes is a unique service of the communication service provider, and the target user has a plurality of services individually contracted and provided by the target user. When estimating the overall creditworthiness of
A plurality of service-specific credit system for the plurality of services, a common credit system within the provider for the provider, and an industry standard credit system for the industry to which the provider belongs should be used for estimating the credit rating of the target user. Set as one or more credit systems,
The user characteristic estimation device according to claim 1 . As a characteristic of the target user, it is a user characteristic estimation method executed by a user characteristic estimation device that estimates the credit rating, which is an index indicating the degree to which the target user can be trusted.
The user characteristic estimation device is
Contract information for each user who receives communication services, such as information on the communication service provider to which the user subscribes, the name of the service for which the user is provided by the communication service provider, and each service. A contract information database that stores the contract information, including information on the existence of a contract and whether the service is a unique service of the communication service provider or a standard service of the industry.
A service-specific credit system A, which is a service unique to a communication service provider and includes information for estimating the credit rating of the user who receives the service, which is defined for each service that the user individually contracts and receives the service, and the above. Commonly defined for services that are unique to communication service providers and that users can receive without individual contracts, including information for estimating the creditworthiness of the users who receive the services. A credit rating database that stores the credit rating system B and the industry standard credit rating system C that includes information for estimating the credit rating of the user who receives the provision, which is determined based on the industry standard of the industry to which the communication service provider belongs.
Including
The user characteristic estimation method is
The contract information about the target user is acquired from the contract information database, and based on the acquired contract information,
When it is determined that the service provided by the communication service provider to which the target user is subscribed is a unique service of the communication service provider and there is a contract for the service, the credit rating of the target user is estimated. As one or more credit system to be used, the service-specific credit system A, the provider company common credit system B, and the industry standard credit system C stored in the service database are set, and the service-specific credit system is set. The weight a of A, the weight b of the common credit system B within the provider, and the weight c of the industry standard credit system C are set so that the weight a> the weight b> the weight c.
When it is determined that the service provided by the communication service provider to which the target user is subscribed is a unique service of the communication service provider and there is no contract for the service, the credit rating of the target user is estimated. As one or more credit system to be used, the common credit system B in the provider company and the industry standard credit system C are set, and the weighting b of the common credit system B in the provider company and the weighting of the industry standard credit system C are weighted. Set c so that weighting b> weighting c,
When it is determined that the service provided by the communication service provider to which the target user subscribes is an industry standard service, as one or more credit system to be used for estimating the credit rating of the target user, The industry standard credit system C is set, and the weighting c of the industry standard credit system C is set to 100%.
As a function with the set credit system and weighting,
Credit rating of the target user = Σ (credit rating obtained by applying the attributes of the target user to one credit rating system x weighting of the one credit rating system)
Steps to set and
Using the function set in the setting step, the step of estimating the creditworthiness of the target user and the step
A user characteristic estimation method.

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