JP7340138B1 - Credit evaluation system, credit evaluation program, and credit evaluation method - Google Patents

Abstract

The present invention provides a credit determination system, method, and program for determining credit for a user based on medical certificate information and a questionnaire.
A credit determination system that performs credit determination for a user, and a credit determination device includes an application information reception means, a calculation processing means, an acquaintance information reception means, a questionnaire transmission means, a credit determination means, and a notification means. The application information reception means receives application information including medical certificate information regarding the user's medical certificate, and the calculation processing means calculates the amount of medical expenses to be borne by the user and/or the assistance received by the user based on the application information. The acquaintance information receiving means receives acquaintance information including the contact information of the user's acquaintances, the questionnaire sending means sends the questionnaire to the acquaintances, and the credit judgment means receives the results of the calculation process and A credit judgment is made for the user using the results of the questionnaire, and the notification means notifies the user of the result of the credit judgment.
[Selection diagram] Figure 1

Description

The present invention relates to a credit determination system, a credit determination program, and a credit determination method.

Conventionally, there has been a technology for presenting subsidy programs using information from medical institutions.

Patent Document 1 states, ``In the subsidy system presentation system according to the present invention, a subsidy system presentation device that selects a subsidy system available to a user transmits the selected subsidy system to a user terminal device operated by the user. A subsidy system presentation system for displaying a subsidy system, wherein a storage unit of the subsidy system presentation device stores, for each user, a billed amount that is a billed amount from a medical institution used by the user. information, and subsidy system content management information that stores usage conditions that are conditions for using the subsidy system for each subsidy system, and the control unit of the subsidy system presentation device The present invention is characterized by comprising a subsidy system management unit that determines whether or not the usage conditions are met in response to a request from an institution, and selects the subsidy system that is available to the user.'' (Summary) ) has been disclosed.

Japanese Patent Application Publication No. 2013-114414

Patent Document 1 discloses that a subsidy system that can be used by a user is presented based on the amount billed by a medical institution. However, because it takes time to receive benefits under the subsidy system, some people find it difficult to pay their treatment costs at the time they are due. Additionally, there are some people who have difficulty making payments at the appropriate time because there is no subsidy system available. There is no relief mechanism for those who have difficulty paying such treatment costs.

In order to solve the above-mentioned circumstances, an object of the present invention is to provide a technique for determining credit for a user based on medical certificate information and a questionnaire.

In order to solve the above problems, the present invention provides a credit determination system that performs credit determination for users, comprising:
The credit determination system includes an application information reception means, a calculation processing means, an acquaintance information reception means, a questionnaire transmission means, a credit determination means, and a notification means,
The application information receiving means receives application information including medical certificate information regarding the user's medical certificate,
The calculation processing means calculates the amount of medical expenses to be borne by the user and/or the subsidy received by the user based on the application information,
The acquaintance information receiving means receives acquaintance information including contact information of acquaintances of the user,
The questionnaire sending means sends the questionnaire to the acquaintance,
The credit determination means performs a credit determination for the user using the results of the calculation process and the results of the questionnaire,
The notification means notifies the user of the result of the credit determination.

The present invention also provides a credit determination program for determining credit for a user, comprising:
The computer functions as an application information reception means, a calculation processing means, an acquaintance information reception means, a questionnaire transmission means, a credit judgment means, and a notification means,
The application information receiving means receives application information including medical certificate information regarding the user's medical certificate,
The calculation processing means calculates the amount of medical expenses to be borne by the user and/or the subsidy received by the user based on the application information,
The acquaintance information receiving means receives acquaintance information including contact information of acquaintances of the user,
The questionnaire sending means sends the questionnaire to the acquaintance,
The credit determination means performs a credit determination for the user using the results of the calculation process and the results of the questionnaire,
The notification means notifies the user of the result of the credit determination.

The present invention also provides a credit determination method for determining credit for a user, comprising:
The credit determination system executes an application information reception step, a calculation processing step, an acquaintance information reception step, a questionnaire transmission step, a credit determination step, and a notification step,
In the application information receiving step, receiving application information including medical certificate information regarding the user's medical certificate;
In the calculation processing step, based on the application information, calculation processing is performed for the amount of medical expenses borne by the user and/or the subsidy received by the user,
In the acquaintance information receiving step, accepting acquaintance information including contact information of acquaintances of the user;
In the questionnaire sending step, sending a questionnaire to the acquaintance;
In the credit determination step, a credit determination is made for the user using the results of the calculation process and the results of the questionnaire;
In the notification step, the user is notified of the result of the credit determination.

With such a configuration, it is possible to determine the credit of the user based on the medical certificate information and the questionnaire.

In a preferred embodiment of the present invention, the credit judgment means performs a credit judgment without a questionnaire using the results of the calculation process without using the results of the questionnaire;
The acquaintance information receiving means is
Information receiving means for receiving the acquaintance information;
selection acceptance means for selecting whether the user should send a questionnaire to the acquaintance after being notified of the result of the credit determination without questionnaire;
The questionnaire sending means further sends the questionnaire to the acquaintance when the user selects to send the questionnaire to the acquaintance.

With such a configuration, the user can select whether or not to request a questionnaire from an acquaintance.

In a preferred embodiment of the present invention, the application information receiving means further receives application information including user basic attribute information regarding the user's basic attributes including the user's annual income and/or insurance card information regarding the user's health insurance card. conduct.

With such a configuration, more detailed credit judgment can be performed.

In a preferred embodiment of the present invention, the questionnaire includes user information including the user's name, treatment schedule information indicating that the user intends to undergo treatment, and the name of the hospital where the user intends to undergo treatment. Hospital information, including;

With such a configuration, it is possible to increase the possibility that the user's acquaintances will respond to the questionnaire.

In a preferred embodiment of the present invention, a deadline for responding to the questionnaire is set.

With such a configuration, credit determination can be made within the deadline.

In a preferred embodiment of the present invention, the calculation processing means further includes:
designated intractable disease determination means for determining whether or not the user has a designated intractable disease from the medical certificate information;
If it is determined in the designated intractable disease determination that the user has a target disease of the designated intractable disease, severity classification determining means performs a severity classification determination to determine the symptoms of the user's target disease from the medical certificate information. and,
an intractable disease medical expense subsidy determination means for determining whether the user is eligible for intractable disease medical expense subsidy based on the result of the severity classification determination;
The calculation process is performed using the result of the intractable disease medical expense subsidy determination.

With such a configuration, it is possible to perform a more detailed credit judgment based on the medical certificate information.

In a preferred embodiment of the present invention, the credit determination system further includes lifestyle information receiving means,
The lifestyle information receiving means receives lifestyle information of the user,
The credit determination means further uses the lifestyle information to determine credit for the user.

With such a configuration, more detailed credit judgment can be performed.

The present invention can provide a technique for determining credit for a user based on medical certificate information and a questionnaire.

1 shows a system configuration diagram of a credit determination system according to an embodiment of the present invention. 1 shows a hardware configuration diagram of a credit determination device, a user terminal, and an acquaintance terminal according to an embodiment of the present invention. A diagram showing an example of information stored in a database according to an embodiment of the present invention is shown. 1 shows a schematic image diagram of a credit determination system according to an embodiment of the present invention. 1 shows a flowchart of a processing procedure of a credit determination system according to an embodiment of the present invention.

Hereinafter, the credit determination system of the present invention will be explained using the drawings. Note that the embodiment shown below is an example of the present invention, and the present invention is not limited to the following embodiment, and various configurations can be adopted.

For example, in this embodiment, the configuration, operation, etc. of a credit determination system will be described, but methods, devices, programs, storage media, etc. with similar configurations can also produce similar effects. Further, the program may be stored in a storage medium. Using this storage medium, for example, a program can be installed on a computer. Here, the storage medium storing the program may be a non-transitory storage medium such as a CD-ROM.

INDUSTRIAL APPLICATION This invention can be utilized for the service for a person receiving treatment at a hospital to make a credit judgment. Humans can suddenly become ill. For treatment at hospitals, depending on the illness, high treatment fees may be charged. People who cannot pay sudden and expensive medical expenses need to borrow money, but young people in particular cannot borrow large amounts of money because they have little history of past credit card usage. On the other hand, if treatment costs are high, there is an upper limit on the amount that the payer can pay out of pocket, and subsidies may be provided by the national, prefectural, and local governments. In this case, since a portion of the money will be refunded in the future, it is possible to use the amount obtained by subtracting the self-payment amount from the billed amount or the received subsidy for credit determination.

FIG. 1 is a system configuration diagram of a credit determination system according to an embodiment of the present invention. In this embodiment, the credit determination device 2, the user terminal 3, and the acquaintance terminal 4 are communicably connected via the network NW.

FIG. 2 is a hardware configuration diagram of a credit determination device, a user terminal, and an acquaintance terminal according to an embodiment of the present invention. In this embodiment, the credit determination device 2 includes hardware and functional components, as illustrated in FIG. 2(a). That is, the credit determination device 2 includes, as hardware components, an arithmetic unit (CPU (Central Processing Unit)) 21 and a main storage device (RAM (Random Access Memory)) 22 as a working memory.

The credit determination device 2 is an auxiliary storage device such as an HDD (Hard Disk Drive), an SSD (Solid State Drive), or a brush memory that rewritably stores an OS (Operating System), application programs, and various information (including data). 23, a communication control section 24, and a communication interface (IF) section 25 such as a NIC (Network Interface Card).

The terminal device 9 (user terminal 3, acquaintance terminal 4) includes hardware and functional components, as illustrated in FIG. 2(b). The terminal device 9 includes a computing unit (CPU) 91 and a main memory (RAM) 92 as a working memory as hardware components.

The terminal device 9 includes an auxiliary storage device 93 such as an HDD, SSD, or flash memory that rewritably stores an OS, application programs, and various information (including data), a communication control unit 94, and a communication interface (such as a NIC). It further includes an IF) section 95, a display control section 96, a display section 97, an information input/designation section 98, and the like.

The billing source (hospital) to the user (person receiving treatment) may use the billing source's existing payment methods (credit card, cash, etc.), as well as new payment methods that the user can use (using copayments or subsidies). Tell them that you have a service that allows them to make a credit check and choose deferred payment or installment payment. The credit assessment device 2 makes a credit assessment using the burden amount or subsidy, etc., and presents the user with the maximum available amount (maximum amount that the user can borrow) and interest rate (fee rate). Users can consider paying in arrears or paying in installments. Using a user terminal 3 such as a smartphone, the user inputs a URL (Uniform Resource Locator) of a service presented by the hospital or reads a two-dimensional code having an identification code of the service. The hospital registers with the service provider in advance so that the URL or two-dimensional code includes an ID that identifies the hospital.

The credit evaluation device 2 includes an application information reception means 201, a calculation processing means 202, an acquaintance information reception means 203, a questionnaire transmission means 204, a credit evaluation means 205, a notification means 206, and a lifestyle information reception means 207. , receiving means 208. Further, the calculation processing means 202 includes a designated intractable disease determination means 202a, a severity classification determination means 202b, an intractable disease medical expense subsidy determination means 202c, a high-cost medical treatment fee system determination means 202d, and a limit application certificate determination means 202e. , may be provided. Further, the acquaintance information receiving means 203 includes an information receiving means 203a and a selection receiving means 203b.

The user terminal 3 includes a transmitting means 301 and a receiving means 302.

The transmitting means 301 transmits various types of information that the user registers for the service to the credit determination device 2 . The receiving means 302 receives the credit determination result from the credit determination device 2 .

The acquaintance terminal 4 includes a transmitting means 401 and a receiving means 402. The receiving means 402 receives the questionnaire from the credit determination device 2 . The transmitting means 401 transmits the answers to the questionnaire to the credit determination device 2 .

The user uses the service via the user terminal 3. Enter the URL or read the two-dimensional code to access the service usage screen. When a user accesses the service usage screen, a login screen is displayed. If the user has already registered for the service, the user logs in; if the user has not already registered, the user performs new registration. The transmitting means 301 transmits basic user attribute information such as gender, age, address, workplace size, annual income, etc. to the application information receiving means 201 for new registration.

The application information receiving means 201 receives application information. The application information receiving means 201 stores the user basic attribute information received as application information in the user basic attribute information DB 501 in association with the user ID, as shown in FIG. 3(a).

The transmitting means 301 further transmits medical certificate information regarding the user's medical certificate and/or insurance card information regarding the user's health insurance card to the application information receiving means 201 as application information. The application information receiving means 201 further receives medical certificate information and/or insurance card information, and stores them in the user medical information DB 502 in association with the user ID, as shown in FIG. 3(b). The transmitting means 301 transmits image data photographed via the user terminal 3, image data scanned by a scanner, etc., as medical certificate information and insurance card information. In addition to this, the hospital may also send medical certificate information and/or insurance card information. Furthermore, the medical certificate information and/or insurance card information may be transmitted by having a trusted person such as a hospital input the information.

The calculation processing means 202 calculates the amount of medical expenses to be borne by the user and/or the subsidy received by the user based on the application information received by the application information reception means 201. Subsidies include subsidies for designated incurable diseases (specific medical expenses), high-cost medical expenses, and the amount obtained by subtracting the user's own medical expenses from the amount billed by the hospital. In this embodiment, the calculation processing means 202 calculates the amount of medical expenses to be borne and/or the subsidy to be received. In addition to this, it is conceivable that the user himself/herself calculates the burden amount and/or subsidy, inputs it into the user terminal 3, and transmits it to the calculation processing means 202.

The designated intractable disease determining means 202a determines whether the user is suffering from a designated intractable disease based on the medical certificate information. A designated intractable disease is an intractable disease that has been designated as a target disease under the Act on Medical Care for Patients with Intractable Diseases (Intractable Disease Law). The designated intractable disease determining means 202a refers to the medical certificate information and the designated intractable disease information DB 503 as shown in FIG. 3(c), and determines whether or not the user is suffering from the designated intractable disease. If the medical certificate information is image data or the like, the designated intractable disease determining means 202a performs the determination using OCR (Optical Character Recognition) or the like. In addition to this, the designated intractable disease determining means 202a may determine whether the user has a designated intractable disease based on a self-report from the user or input from a hospital.

The severity classification determining means 202b determines the symptoms of the user's target disease from the medical certificate information when the designated intractable disease determining unit 202a determines that the user has the target disease of the designated intractable disease. For example, in the case of Parkinson's disease, the Yahr classification (Horn-Yarl's severity classification) is 1 to 5 degrees, and the Ministry of Health, Labor and Welfare has classified the degree of impairment in daily life as 1 to 3 degrees. If the medical certificate information is image data or the like, the severity classification determining means 202b performs the determination using OCR (Optical Character Recognition) or the like. In addition to this, the severity classification determining means 202b may determine the symptoms of the target disease based on self-reports from the user or input from the hospital.

The intractable disease medical expense subsidy determining means 202c performs intractable disease medical expense subsidy determination to determine whether the user is eligible for intractable disease medical expense subsidy based on the determination result of the severity classification determining means 202b and FIG. For example, if it is determined from the medical certificate information that the user has Parkinson's disease, and the severity is determined to be level 4 in the Yahr classification and degree 2 in daily life impairment level, the intractable disease medical expenses subsidy determination means 202c determines that the user has Parkinson's disease It is determined that the applicant is eligible for the subsidy. On the other hand, if the user is determined to have Parkinson's disease, and the severity is determined to be level 2 in the Yahr classification and level 1 in daily life function impairment, the intractable disease medical expenses subsidy determination means 202c determines that the user is not eligible for intractable disease medical expenses subsidy. judge.

The calculation processing unit 202 performs calculation processing using the result of the intractable disease medical expense subsidy determination by the intractable disease medical expense subsidy determination unit 202c. The calculation processing unit 202 can perform calculation processing of the user's burden of medical expenses and/or the subsidy that the user will receive if the user is eligible for an incurable disease medical expense subsidy.

The high-cost medical care fee system determining means 202d performs high-cost medical care fee system determination to determine whether the user is eligible for the high-cost medical care fee system based on medical certificate information and/or insurance card information. In addition to this, the high-cost medical care fee system determining means 202d may also make a determination using the user's annual income and estimated billing amount. The high-cost medical care fee system determination means 202d may perform the high-cost medical care fee system determination after the determination by the designated intractable disease determination means 202a and/or the determination by the intractable disease medical expense subsidy determination means 202c. If the medical certificate information and/or insurance card information is image data or the like, the high-cost medical care fee system determination means 202d performs the determination using OCR (Optical Character Recognition) or the like. In addition to this, the high-cost medical care fee system determining means 202d may determine based on self-report from the user or input from the hospital.

The calculation processing means 202 performs calculation processing using the result of the high-cost medical care fee system determination. Calculation processing means 202 performs calculation processing of the user's burden of medical expenses and/or the subsidy that the user receives when the user is subject to a high-cost medical care expense system.

The application information receiving means 201 further receives limit application certificate information indicating that a limit application certificate has been issued to the user. The transmitting means 301 transmits image data photographed via the user terminal 3, image data scanned by a scanner, etc., as limit application certificate information.

The limit application certificate determining means 202e determines whether a limit application certificate has been issued to the user based on the limit application certificate information and/or insurance card information. The limit application certificate determining means 202e may make the determination based on the determination result of the designated intractable disease determining means 202a and/or the determination result of the intractable disease medical expense subsidy determining means 202c. If the limit application certificate information and/or insurance card information is image data or the like, the limit application certificate determination unit 202e makes the determination using OCR (Optical Character Recognition) or the like. In addition to this, the limit application certificate determining means 202e may determine based on a self-report from the user or input from the hospital.

The calculation processing means 202 performs calculation processing using the result of the limit application certificate determination. Calculation processing means 202 performs calculation processing of the user's medical expense burden and/or the subsidy received by the user when the user has been issued with a limit application certificate.

Acquaintance information receiving means 203 receives acquaintance information including contact information of the user's acquaintances. The acquaintance information receiving means 203 stores the information received from the user in the acquaintance information DB 504 in association with the user ID, as shown in FIG. 3(d). The acquaintance information receiving means 203 may accept contact information of a plurality of acquaintances.

The information accepting means 203a may accept the user's acquaintance information at the same time as accepting the user's basic attribute information. In addition, when the information receiving means 203a receives a request from the user to send a questionnaire, the information receiving means 203a may also receive the user's acquaintance information.

The selection receiving means 203b receives from the user a selection as to whether to send the questionnaire to the user's acquaintances. The user can select whether to send the questionnaire to acquaintances after being notified of the results of credit judgment without questionnaire, which is credit judgment without using the questionnaire results. If the result of the credit judgment without questionnaire is not good, the questionnaire can be sent, and if the result of the credit judgment without questionnaire is good, the user can choose not to send the questionnaire.

The questionnaire sending means 204 sends the questionnaire to the contact information of the user's acquaintances accepted by the acquaintance information receiving means 203. Further, the questionnaire sending means 204 may send the questionnaire when the user selects to send the questionnaire in the selection accepting means 203b.

The questionnaire sent to the user's acquaintances includes user information including the user's name, treatment schedule information indicating that the user is seeking treatment, and hospital information including the name of the hospital where the user is seeking treatment. and, including. Based on the user information, the acquaintance can confirm for whom the questionnaire is intended. Furthermore, the treatment schedule information can induce sympathy from acquaintances toward the user and increase the possibility that the acquaintances will respond. Furthermore, the hospital information allows the user's acquaintances to confirm with the user whether the user is indeed receiving treatment at that hospital.

A response deadline may be set for the questionnaire. In order for the user to select deferred payment or installment payment, the credit judgment result must be completed by the time of payment/settlement by the user at the hospital counter, and whether the user selects deferred payment or installment payment must be confirmed before treatment. You need to be able to judge.

The questionnaire accepts answers in text or numbers. For example, the user's acquaintances are asked to respond in writing regarding their objective relationship with the user, their impressions of the user, circumstances they have heard about the user's family/relatives, etc. In addition, the user's acquaintances are asked to answer numerically about their affinity for the user, their level of trust in the user, how much they would accept if the user requested a loan, etc.

The credit judgment means 205 uses the results of the calculation processing by the calculation processing means 202 and the results of the questionnaire from the user's acquaintances to judge the credit of the user. Further, the credit determination means 205 may perform credit determination for the user without a questionnaire using the results of the calculation processing by the calculation processing means 202. The credit determination means 205 calculates the maximum amount (maximum available amount) and interest as outputs of the credit determination. The maximum available amount is the maximum amount that the user can borrow when the user selects deferred payment or installment payment. Interest is a fee when deferred payment or installment payment is selected, and in the case of installment payment, monthly interest etc. can be considered.

Calculation of the output of credit judgment is performed by a rule-based method, deep learning, multi-variable analysis, etc. In the case of deep learning, at least the amount of the user's medical expenses calculated by the calculation processing means 202 and/or the subsidy received by the user, each element of questionnaire responses from acquaintances, and each element of lifestyle information described below. One or more elements become individual input nodes. Additionally, the output node is the maximum amount available and/or interest. Furthermore, the numbers of intermediate nodes and intermediate layers are each two or more. Using deep learning, a computer automatically extracts the feature values of the input node elements and calculates the maximum available amount and/or interest.

The learning may be performed using either supervised learning or unsupervised learning. In the case of supervised learning, past default data is trained in advance to create a credit judgment model. The credit judgment means 205 uses this credit judgment model to calculate the maximum available amount and/or interest. In the case of unsupervised learning, at the beginning, the average amount of risk assumed when calculating profits is excluded from the relationship between fees (interest) and loan balance published by credit companies, etc. do. This is then set as an initial default risk, and then an accumulation method is adopted in which learning is modified based on actual performance. The credit judgment means 205 calculates the maximum available amount and/or interest with high precision using an accumulation method.

Multivariate analysis includes multiple regression analysis, discriminant analysis, logistic regression analysis, principal component analysis, factor analysis, cluster analysis, multi-dimensional scaling (MDS), quantification type 1, quantification type 2, Use three types of quantification, conjoint analysis, correspondence analysis, etc. In the case of multivariate analysis, the explanatory variables include the user's medical expense burden calculated by the calculation processing means 202 and/or the subsidy received by the user, each element of questionnaire responses from acquaintances, and lifestyle information described below. At least one element of each element. Further, the objective variable is the maximum available amount and/or interest. Multivariate analysis makes it possible to derive an estimation model for estimating the target variable from explanatory variables.

The notification means 206 notifies the user of the result of the credit determination by the credit determination means 205. The notification means 206 may notify the results of the credit determination without questionnaire.

The lifestyle information receiving means 207 receives lifestyle information regarding the user's lifestyle from the transmitting means 301. Lifestyle information includes daily sleep hours, activities such as intentional exercise and stretching, amount of alcohol consumed, amount of smoking, degree of oral care, and physical restraints such as daily work/study (time spent working on a PC, heavy weight, etc.) This includes information such as the amount of time it takes to carry things, BMI (Body Mass Index) (height and weight), past illnesses, chronic illnesses, and regular medications.

The receiving means 208 receives the results of the questionnaire from the transmitting means 401.

FIG. 4 is a schematic image diagram of a credit determination system according to an embodiment of the present invention. As shown in FIG. 4, the hospital provides a two-dimensional code to the user (see (A)). The two-dimensional code is for users to access services for deferred payment or installment payment. By registering with a service provider in advance, a hospital can generate a two-dimensional code that includes an ID for identifying the hospital, billing details for the user, and billing amount, and provide the code to the user. can. Instead of a two-dimensional code, a hospital may provide a URL containing that information for its services. Since the billing details and billing amount are confidential information, it is desirable to add them to the URL or the identification code within the service as encrypted or hashed parameters.

The user reads the two-dimensional code and accesses the service via the user terminal 3 such as his or her smartphone. When a user uses this service for the first time, user basic attribute information is transmitted for new registration (see (B)). If you have already registered, log in to the service. The user transmits application information including medical certificate information regarding the medical certificate to the credit determination device 2 via the user terminal 3 . Insurance card information regarding the user's insurance card may be transmitted as the application information.

The credit determination device 2 performs a credit determination without a questionnaire using the billing details, billing amount, and application information included in the two-dimensional code, and notifies the user of the results of the credit determination without a questionnaire (see (C)). .

The user checks the results of the credit determination without questionnaire and selects whether or not to request the acquaintance to complete the questionnaire. When the user makes a credit judgment using the results of a questionnaire conducted by an acquaintance, by selecting to send the questionnaire to the acquaintance, the user terminal 3 transmits the notification that the questionnaire will be carried out to the credit judgment device 2. (See (D)).

Upon receiving the notification that a questionnaire will be conducted, the credit determination device 2 transmits the questionnaire to the user's acquaintances (see (E)).

The user's acquaintance answers the questionnaire via the acquaintance terminal 4 such as a smartphone, and transmits the answer to the credit determination device 2 (see (F)).

When the credit determination device 2 receives the results of a questionnaire from an acquaintance of the user, it performs a credit determination using the results of the questionnaire and notifies the user (see (G)).

FIG. 5 is a flowchart of the processing procedure of the credit determination system according to the embodiment of the present invention. In step S<b>501 , the user transmits to the credit determination device 2 via the user terminal 3 that he/she will use deferred payment or installment payment.

In step S502, when the user uses the service for the first time, the user transmits user basic attribute information to the credit determination device 2 for registration via the user terminal 3. If this is not your first time using the Service, log in to the Service.

In step S503, the user transmits various information such as medical certificate information, acquaintance information, and insurance card information to the application information receiving means 201 or the information receiving means 203a via the user terminal 3.

In step S504, the credit determination means 205 performs a credit determination without a questionnaire that does not use the results of a questionnaire from the user's acquaintances. The credit determination means 205 performs credit determination using the information received by the application information reception means 201 and the results of calculation processing performed by the calculation processing means 202.

In step S505, the notification means 206 notifies the result of the credit determination without questionnaire conducted in step S504. The user can check the results of the credit determination without questionnaire and select whether or not to request his/her acquaintances to respond to the questionnaire.

In step S506, when the user requests his/her acquaintance to respond to the questionnaire, the user sends a request to the selection reception means 203b via the user terminal 3 to the effect that the user will request the acquaintance to complete the questionnaire. The acquaintance information may be sent after the user selects to request the questionnaire from the acquaintance.

In step S507, the questionnaire sending unit 204 sends the questionnaire to the user's acquaintances using the acquaintance information registered in step S503.

In step S508, the user's acquaintance may send the answers to the questionnaire via the acquaintance terminal 4.

In step S509, the credit determination means 205 performs credit determination using the results of the questionnaire received from the user's acquaintances. The credit determination device 2 performs credit determination using the results of the questionnaire in addition to the application information received from the user.

In step S510, the notification means 206 notifies the user terminal 3 of the result of the credit determination performed in step S509. Since a response deadline is set for the questionnaire, if the response deadline has passed, the notification means 206 may transmit the result of the credit determination without questionnaire again. Furthermore, the notification means 206 may notify the user terminal 3 that there has been no response to the questionnaire from the user's acquaintance.

1 Credit evaluation system 2 Credit evaluation device 201 Application information reception means 202 Calculation processing means 202a Specified intractable disease determination means 202b Severity classification determination means 202c Intractable disease medical expense subsidy determination means 202d High-cost medical treatment system determination means 202e Limit application certificate determination means 203 Acquaintance information reception means 203a Information reception means 203b Selection reception means 204 Questionnaire transmission means 205 Credit judgment means 206 Notification means 207 Lifestyle information reception means 208 Receiving means 3 User terminal 301 Transmission means 302 Receiving means 4 Acquaintance terminal 401 Transmission means 402 Reception Means 5 Storage unit 501 User basic attribute information DB
502 User medical information DB
503 Designated incurable disease information DB
504 Acquaintance information DB

Claims (9)

A credit determination system that determines credit for a user,
The credit determination system includes an application information reception means, a calculation processing means, an acquaintance information reception means, a questionnaire transmission means, a credit determination means, and a notification means,
The application information receiving means receives application information including medical certificate information regarding the user's medical certificate,
The calculation processing means calculates the amount of medical expenses to be borne by the user and/or the subsidy received by the user based on the application information,
The acquaintance information receiving means receives acquaintance information including contact information of acquaintances of the user,
The questionnaire sending means sends the questionnaire to the acquaintance,
The credit determination means performs a credit determination for the user using the results of the calculation process and the results of the questionnaire,
The notification means notifies the user of the result of the credit determination.
Credit evaluation system. The credit judgment means performs a credit judgment without a questionnaire using the results of the calculation process without using the results of the questionnaire,
The acquaintance information receiving means is
Information receiving means for receiving the acquaintance information;
selection acceptance means for selecting whether the user should send a questionnaire to the acquaintance after being notified of the result of the credit determination without questionnaire;
The questionnaire sending means further includes, when the user selects to send the questionnaire to the acquaintance, sending the questionnaire to the acquaintance.
The credit determination system according to claim 1. The application information receiving means further receives application information including user basic attribute information regarding the user's basic attributes including the user's annual income and/or insurance card information regarding the user's insurance card.
The credit determination system according to claim 2. The questionnaire includes user information including the user's name, treatment schedule information indicating that the user intends to undergo treatment, and hospital information including the name of the hospital where the user intends to undergo treatment. include,
The credit determination system according to claim 3. The questionnaire has a response deadline set,
The credit determination system according to claim 4. The calculation processing means further includes:
designated intractable disease determination means for determining whether or not the user has a designated intractable disease from the medical certificate information;
If it is determined in the designated intractable disease determination that the user has a target disease of the designated intractable disease, severity classification determining means performs a severity classification determination to determine the symptoms of the user's target disease from the medical certificate information. and,
an intractable disease medical expense subsidy determination means for determining whether the user is eligible for intractable disease medical expense subsidy based on the result of the severity classification determination;
performing the calculation process using the result of the intractable disease medical expense subsidy determination;
The credit determination system according to claim 5. The credit judgment system further includes a lifestyle information receiving means,
The lifestyle information receiving means receives lifestyle information of the user,
The credit determination means further performs a credit determination for the user using the lifestyle information.
The credit determination system according to claim 6. A credit determination program that performs credit determination on a user,
The computer functions as an application information reception means, a calculation processing means, an acquaintance information reception means, a questionnaire transmission means, a credit judgment means, and a notification means,
The application information receiving means receives application information including medical certificate information regarding the user's medical certificate,
The calculation processing means calculates the amount of medical expenses to be borne by the user and/or the subsidy received by the user based on the application information,
The acquaintance information receiving means receives acquaintance information including contact information of acquaintances of the user,
The questionnaire sending means sends the questionnaire to the acquaintance,
The credit determination means performs a credit determination for the user using the results of the calculation process and the results of the questionnaire,
The notification means notifies the user of the result of the credit determination.
Credit evaluation program. A credit determination method for determining credit for a user, the method comprising:
The credit determination system executes an application information reception step, a calculation processing step, an acquaintance information reception step, a questionnaire transmission step, a credit determination step, and a notification step,
In the application information receiving step, receiving application information including medical certificate information regarding the user's medical certificate;
In the calculation processing step, based on the application information, calculation processing is performed for the amount of medical expenses borne by the user and/or the subsidy received by the user,
In the acquaintance information receiving step, accepting acquaintance information including contact information of acquaintances of the user;
In the questionnaire sending step, sending a questionnaire to the acquaintance;
In the credit determination step, a credit determination is made for the user using the results of the calculation process and the results of the questionnaire;
In the notification step, the user is notified of the result of the credit determination;
Credit evaluation method.