KR20220134838A - Method of providing information on credibility related to rental product and apparatus therefor - Google Patents

Abstract

According to an embodiment of the present invention, a method for providing reliability information related to product rental by a computing device includes the steps of: receiving personal information of a first terminal user who has rented a product; collecting behavioral information of the user of the first terminal and product information on the rental product; calculating reliability information for product rental of the first terminal user based on the received personal information, collected behavioral information, and product information; and transmitting the calculated reliability information of the user of the first terminal to a second terminal.

Description

Method of providing information on credibility related to rental product and apparatus therefor

The present invention relates to providing reliability information, and more particularly, to a method, apparatus and system for providing reliability information for tangible assets.

Conventionally, in order to determine whether a specific service is available or suitable for an individual, credit card information or the like indirectly indicating the credit rating has been used.

However, while such credit information has the advantage of being applicable to all individuals as a uniform standard based on financial transactions, it is a measure of whether a simple debt can be fulfilled, so it does not indicate the smooth use of services or the use of goods encountered in the course of services. It is inappropriate to use it as a criterion for providing services.

For example, in an item rental service or a shared service where several people share/share a single item, each user normally uses the item, returns and delivers it according to the suggested guide, that is, reliability in the use of the item is required. The conventional credit rating method does not indicate the reliability of the use of such goods, but only indicates whether a claim for damages and debt collection is possible in the event of a loss.

As such, unlike financial products whose value can be evaluated quantitatively, in the case of tangible assets, it is difficult to evaluate quantitatively and objectively. Therefore, in order to apply the value of tangible assets to the credit rating index, a separate human appraisal process is required, which is very complicated and expensive.

In other words, there is no system designed to efficiently and quantitatively evaluate various assets at a low cost.

With the recent development of Internet technology, not only traditional financial information but also SNS information is considered for credit information evaluation, but it does not exist in equal quantity and quality for all customers, and it takes a lot of time and time to search and extract related information based on a uniform standard. It costs money and it is difficult to repeat the work every time according to changes in the external environment.

Therefore, there is a need for a specific method for solving these problems.

In order to solve the above problems or difficulties, an object of the present invention is to provide reliability information on tangible assets such as goods or in-kind rentals.

Another task of the present invention is a method of predicting reliability and calculating reliability information based on soft information such as mobile device used, residence, age, etc. and user behavior information, rather than hard information about traditional financial information. is to provide

Another task of the present invention is to build a model for measuring and evaluating reliability information other than conventional credit information, and to provide a reliability evaluation system based on such a model.

The technical problems to be achieved in the present invention are not limited to the above technical problems, and other technical problems not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the following description.

In a method for providing product rental-related reliability information by a computing device according to an embodiment of the present invention for solving the above-described problem, receiving personal information of a first terminal user who rented a product, the first terminal user's Collecting behavioral information and product information for the rental product, calculating reliability information for product rental of the first terminal user based on the received personal information and the collected behavioral information and product information, and the calculation It may include transmitting the reliability information of the user of the first terminal to the second terminal.

According to an embodiment of the present invention, the method may further include generating and learning a learning model for calculating reliability information for product rental based on personal information, behavior information, and product information.

According to an embodiment of the present invention, the product rental reliability information may be predictive data on the possibility of using or returning the rental product without failure or damage within a predetermined range when a specific product is rented to a corresponding terminal user.

According to an embodiment of the present invention, the product rental reliability information may be configured in at least one of a text and an image.

According to an embodiment of the present invention, the method further comprises collecting external data of the first terminal user, wherein the external data includes at least one of financial transaction data and social media data of the first terminal user. can

According to an embodiment of the present invention, the behavior information includes purchase, rental, subscription, product inquiry or search, login and logout, service usage time and service on a reliability-related application or webpage executed by the terminal user on the terminal. It may be based on log data including frequency of use.

An apparatus for providing product rental-related reliability information according to an embodiment of the present invention includes a memory and a processor, wherein the processor receives personal information of a first terminal user who has rented a product, and acts of the first terminal user Information and product information for the rental product are collected, and reliability information for product rental of the user of the first terminal is calculated based on the received personal information and the collected behavior information and product information, and the calculated first Reliability information of the terminal user may be transmitted to the second terminal.

The product rental-related reliability information providing system according to an embodiment of the present invention includes a first terminal that rents and uses a product, a second terminal that provides a rental service of the product or a service related to product rental, and reliability information related to the product rental including a computing device for calculating Reliability information for product rental of the first terminal user may be calculated based on the received personal information and the collected behavioral information and product information, and the calculated reliability information of the first terminal user may be transmitted to the second terminal. .

According to the present invention as described above, the effects described below can be obtained. However, the effect obtainable through the present invention is not limited thereto.

First, it has the effect of revitalizing and expanding the rental/leasing market based on tangible assets.

Second, it has the effect of providing an objective standard for the sharing economy market regarding the sharing service of tangible assets.

Third, it has the effect of providing an objective and universally applicable reliability measurement method.

Fourth, there is an effect of building a reliable information providing system that is robust to changes in the external environment.

1 is a schematic diagram of a reliability information service system according to an embodiment of the present invention.
2 is a block diagram of a computing device according to an embodiment of the present invention.
3 is a detailed configuration block diagram of the value calculation unit of FIG. 2 .
4 is a detailed configuration block diagram of the reliability calculator of FIG. 2 .
5 is a flowchart illustrating a method for providing product rental-related reliability information according to an embodiment of the present invention.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. DETAILED DESCRIPTION The detailed description set forth below in conjunction with the appended drawings is intended to describe exemplary embodiments of the present invention and is not intended to represent the only embodiments in which the present invention may be practiced.

Only the present embodiments are provided so that the disclosure of the present invention is complete, and the scope of the invention to those of ordinary skill in the art to which the present invention belongs, is provided, and the present invention is to be defined by the scope of the claims. only

In some cases, in order to avoid obscuring the concept of the present invention, well-known structures and devices may be omitted or shown in block diagram form focusing on core functions of each structure and device. In addition, the same reference numerals are used to describe the same components throughout this specification.

Throughout the specification, when a part is said to "comprising or including" a certain component, it does not exclude other components unless otherwise stated, meaning that other components may be further included. do.

In addition, the term “.. unit” described in the specification means a unit that processes at least one function or operation, which may be implemented as hardware or software or a combination of hardware and software. Furthermore, "a or an", "one", and like related terms in the context of describing the present invention are used in both the singular and the plural unless otherwise indicated herein or otherwise clearly contradicted by the context. It can be used in the meaning of including.

In addition, specific terms used in the embodiments of the present invention are provided to help the understanding of the present invention, and unless otherwise defined, all terms used herein, including technical or scientific terms, refer to the present invention. It has the same meaning as commonly understood by those of ordinary skill in the art to which it belongs. The use of these specific terms may be changed to other forms without departing from the technical spirit of the present invention.

In the present specification, various embodiments of providing reliability information on tangible assets, rather than financial asset-based credit ratings, are described in accordance with the present invention.

Hereinafter, 'reliability' described in this specification may be related to prediction of the possibility of using or returning a rental product without failure or damage within a predetermined range when a tangible asset, for example, a specific product is rented to a corresponding terminal user. have.

Hereinafter, the provision of reliability information related to the rental of goods will be described as an embodiment for the purpose of helping understanding of the present invention and for convenience of explanation. However, the reliability information is not necessarily interpreted as being limited only to the rental of tangible assets.

In addition, the 'tangible asset' described in this specification may include all tangible tradable entities such as commodities, goods, and in-kind, unlike financial products. However, hereinafter, for the purpose of helping the understanding of the present invention and for convenience of explanation, it will be described as a commodity, but the present invention is not limited thereto and may be interpreted to include other entities belonging to tangible assets.

Hereinafter, various embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a schematic diagram of a reliability information service system 1 according to an embodiment of the present invention.

Referring to FIG. 1 , the reliability information service system 1 according to an embodiment of the present invention may include a first terminal 10 , a computing device 20 , and a second terminal 30 .

According to an embodiment, the computing device 20 and the second terminal 30 may be in the form of one component.

The first terminal 10 may represent a terminal of a customer who rents and uses the product.

On the other hand, the second terminal 30 may be a terminal that provides a product rental service or a service related to product rental, for example, a reliability evaluation service. According to an embodiment, the second terminal 30 may collect external data about the user of the first terminal 10 . Here, the external data may include, for example, financial transaction data, age, gender, income information, social media data, etc. of the user of the first terminal 10 . According to an embodiment, some or all of the external data may be collected by the computing device 20 . Meanwhile, the second terminal 30 may exclude contents related to or overlapping with personal information to be described later among the external data from collection, or may be used for user identification or authentication through comparative analysis after collection.

The computing device 20 may represent an entity that calculates and provides reliability information in relation to a product rental service. According to an embodiment, the computing device 20 receives the personal information of the user of the first terminal 10 who has rented (or is to rent) a specific product, and the behavior information of the user of the first terminal 10 and the rental You can collect product information about the product. The computing device 20 may calculate reliability information of the user of the first terminal 10 with reference to the received personal information, the collected behavioral information, and the product information. The computing device 20 may transmit the calculated reliability information of the user of the first terminal 10 to the second terminal.

According to an embodiment, the computing device 20 may refer to data related to the knowledge or understanding of the rental product or rental product group of the user of the first terminal 10 in the process of calculating reliability information for the product rental service. For example, when the user of the first terminal 10 intends to rent the imaging equipment, the calculated reliability information may be different depending on the case where the user's understanding of the imaging equipment is high or low. To this end, the data related to the knowledge or understanding of the rental product includes, for example, the occupation (group), age, previous rental product list, and rental product among assets of the user (or family, etc.) of the first terminal 10 . It may include whether or not related assets are held. In addition, personal information or other related data may be stored in relation to rental products that are specific to the user, such as a specific age (eg baby products), a specific gender (eg, male-only products), or a rental product for students or office workers only. It can be collected and reflected in the reliability calculation.

According to an embodiment, the computing device 20 may check and use the reliability life cycle of the reliability information calculated at a specific point in time. According to an embodiment, the reliability life cycle is for determining whether to use the calculated reliability information, which may be defined as a predefined period (eg, 1 month, 1 year, 3 years, etc.), It may be a case in which a request for calculating the next reliability information is requested after calculating the reliability information. For example, in the latter case, between the calculation of the corresponding reliability information and the request for calculating the next reliability information, there may be at least one use of the product rental service. In this case, the use of the product rental service and the request for calculating reliability information may be different. According to an embodiment, the reliability life cycle may be limited to the use of the product rental service a predetermined number of times after calculating the reliability information.

Meanwhile, the computing device 20 may calculate reliability information for each rental service product, or may calculate reliability information for the product rental service for each user of the first terminal 10 . In the former case, the computing device 20 may determine the unit by product, referring to the brand, category, attribute, etc. of the corresponding product. As such, the reliability information for the tangible asset of the user of the first terminal 10 is , when the user rents or purchases other tangible assets in the future, it can be referred to a company that provides tangible assets. For example, the tangible asset provider may determine whether a corresponding user can use such as rental or purchase, set a usage fee, or set a usage period, based on the reliability information.

According to an embodiment, the reliability information on the tangible asset of the user of the first terminal 10 may be reflected or influenced on the credit information based on the traditional financial asset, or may form a new concept of credit information together therewith.

According to an embodiment, the reliability information on the tangible asset of the user may or may not be provided in the same or similar form as the traditional credit rating information. According to an embodiment, the reliability information of the user's tangible assets may be implemented and provided in the form of any one or a combination of numbers, text, audio, images, and moving pictures.

For convenience, only one of the first terminal 10 , the computing device 20 , and the second terminal 30 is illustrated in FIG. 1 , but the present invention is not limited thereto. In other words, each of the components or entities shown in FIG. 1 may be plural. According to an embodiment, when a plurality of components are used, each does not necessarily have the same type, type, form, performance or specification, and there is no need to use the same communication network or communication protocol for data communication.

Meanwhile, according to an embodiment, although not shown in FIG. 1 , the reliability information service system 1 according to the present invention includes one or more components, for example, a payment related component or a database (DB: Database). It may be implemented including further.

The first terminal 10 may run a service application installed in the terminal or visit a service web page to rent a tangible asset. According to an embodiment, the service application or service web page may be provided by the computing device 20 . According to an embodiment, the first terminal 10 may receive personal information in connection with service subscription or use and transmit it to the computing device 20 . Here, personal information means, for example, income information such as age, residence, gender, educational background, work information, whether or not to own a house, whether to own a car, etc. ), personal interests, etc. However, the personal information related to the present invention is not limited thereto, and may further include various information related to the individual currently collectable or collectable in the future.

The first terminal 10 includes images such as a touch pad or a touch screen for receiving a user's touch input, a microphone for receiving a user's voice input, and a camera for recognizing a user's gesture in relation to service use and personal information input. At least one of a sensor and the like may be provided.

According to an embodiment, the first terminal 10 may be provided with reliability information generated by the computing device 20 . To this end, the first terminal 10 may include a screen, a speaker, etc. for outputting the received reliability information to the user.

As described above, the first terminal 10 may download and install software such as a service application or program related to a tangible asset (or reliability information) provided by the computing device 20 in advance. According to an embodiment, the first terminal 10 may include a related application program interface (API) or embedded software. For example, service-related data may be processed through an API of the first terminal 10 or an application including embedded software. However, the present invention is not limited thereto.

The first terminal 10 may provide reliability information provided by the computing device 20 to the user through the application execution screen.

According to an embodiment, the reliability information provided by the computing device 20 is linked with at least one of other applications installed or previously executed in the first terminal 10, for example, a messenger application or a social media application. processed and provided.

The first terminal 10 and/or the second terminal 30 are not only fixed terminals such as TVs, PCs, and digital signage, but also mobile terminals such as mobile phones, smart phones, notebook computers, tablet PCs, and wearable devices. Including, it may include any type of device capable of data communication related to the computing device 20 and the reliability information service. According to an embodiment, the first terminal 10 and/or the second terminal 30 may be a dedicated terminal for the reliability information service according to the present invention.

According to an embodiment, the customer terminal 10 and/or the second terminal 30 includes a terminal device, a terminal, a mobile station (MS), a mobile subscriber station (MSS), a subscriber station (SS), and an AMS ( Advanced Mobile Station), a wireless terminal (WT), a machine-type communication (MTC) device, a machine-to-machine (M2M) device, and a device-to-device (D2D) device.

Of course, this is only an example, and the terminal in the present invention should be interpreted as a concept including all devices capable of transmitting data or signals that have been developed and commercialized or will be developed in the future in addition to the above-described examples.

Next, the computing device 20 is an entity that can service reliability information for tangible assets with the first terminal 10 and/or the second terminal 30 through a wired/wireless communication network, It performs functions such as generating, storing, and transmitting reliability service data and its control data, including the service platform for the service.

The computing device 20 may build a memory or database (DB) that collects, processes, and stores data/big data necessary for user personal information and reliability information service in an internal or external form. According to an embodiment, the memory or database DB included in or connected to the computing device 20 may be plural.

Computing device 20, cloud (Cloud) server, IMS (IP Multimedia Subsystem) server, telephony application (Telephony Application) server, IM (Instant Messaging) server, MGCF (Media Gateway Control Function) server, MSG (Messaging Gateway) At least one of a server and a Call Session Control Function (CSCF) server may be used as an embodiment.

The components belonging to the reliability information service system 1, that is, communication or data transmission/reception (hereinafter, 'data communication') between the first terminal 10, the computing device 20 and the second device 30, are /via a wireless communication network.

The wired/wireless communication network means a data communication network supporting data communication for a reliability information service between the first terminal 10 , the server 20 and the second terminal 30 , and the type is not particularly limited.

For example, the wired/wireless communication network may be an IP (Internet Protocol) network supporting large-capacity data communication through Internet Protocol (IP) or an All IP network integrating different IP networks. .

In addition, the wired / wireless communication network includes a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including WCDMA, a High Speed Downlink Packet Access (HSDPA) network, and a Long Term Evolution (LTE) network including a mobile communication network, LTE advanced (LTE-A) including a mobile communication network, satellite communication network, and Wi-Fi (Wi-Fi) network, or may be formed by a combination of at least one or more of them.

2 is a block diagram of a computing device 20 according to an embodiment of the present invention, and FIG. 3 is a detailed block diagram of the value calculation unit of FIG. 2 . Also, FIG. 4 is a detailed configuration block diagram of the reliability calculation unit of FIG. 2 .

Meanwhile, a block diagram of the computing device 20 of FIG. 1 providing a financial product follow-up management service according to the present invention is shown. According to an embodiment, the configuration block diagram of FIG. 2 may be a configuration block diagram of the first terminal 10 and/or the second terminal 30 of FIG. 1 other than the computing device 20 . According to an embodiment, some of the components illustrated in FIG. 2 may be implemented in the computing device 20 , and others may be implemented in a manner provided in the customer terminal 10 .

However, hereinafter, for the purpose of helping the understanding of the present invention and for convenience of description, FIG. 2 will be described as a block diagram of the computing device 20 .

An apparatus for providing product rental-related reliability information according to an embodiment of the present invention may include a memory and a processor. In this case, the memory may correspond to the DB 260 of FIG. 2 . The processor may include a communication unit 210 , a collection unit 220 , a value calculation unit 230 , a reliability calculation unit 240 , and a control unit 250 .

The communication unit 210 provides an interfacing environment for communication with the first terminal 10, the second terminal 30, and/or an external source, and receives or receives various data from the component(s). can be collected The communication unit 210 may receive the user's personal information from the first terminal 10 . The communication unit 210 may receive or collect data related to calculation of reliability information from at least one or more external sources.

The collection unit 220, based on the personal information of the user of the first terminal 10 who rented the product received through the communication unit 210, the behavior information of the user of the first terminal 10 and the information about the rental product. Product information can be collected.

The value calculation unit 230 may calculate the objective data by measuring the value of the tangible asset. To this end, the value calculation unit 230 considers the release date, state, life cycle (period from the release date to a specific point in time), state, category (home appliance, furniture, clothing, etc.) of the tangible asset in the used market transaction. Data can be collected and based on it, the present and future values of each tangible asset can be predicted. According to an embodiment, the transaction data collection may be collected and classified through the communication unit 210 or/and the collection unit 220 and then transferred to the value calculation unit 230 .

Referring to FIG. 3 , the value calculation unit 230 includes a data collection unit 310 that collects transaction data of tangible assets in the current used transaction market, data obtained by converting characteristics of each tangible asset into data, and the data collection unit ( 310), a learning unit 320 that quantifies the data collected, a prediction unit 330 that predicts the future value of each tangible asset by learning the quantified data according to a pre-generated learning model, and a prediction unit 330 may include a decision unit 340 that determines and outputs the rental fee, sale time, etc. of each tangible asset based on the predicted future value. According to an embodiment, the detailed components of the value calculating unit 230 shown in FIG. 3 may be implemented in the form of one or more modules.

Next, the reliability calculation unit 240 may calculate the reliability data based on the behavior information of the user of the first terminal 10 , external data, and received personal information. The reliability calculator 240 may refer to the data of the value calculator 230 .

Referring to FIG. 4 , the reliability calculation unit 240 includes a data collection unit 410 for collecting external data, a data classification unit 420 for classifying the collected external data according to a predetermined criterion, and the first terminal 10 . ) The data extraction unit 430 for extracting the usage data of the service application executed in the user's terminal, that is, the behavior data, the extracted first terminal 10 that can be viewed as representing the characteristics of the user, the user's behavior information is generated in advance A vector generation unit 440 that converts vector data in a form applicable to the learned learning model, the data collection unit 410, the previously received personal information of the user of the first terminal 10, and a vector generation unit 440 ) may include a learning unit 450 for learning by combining the results, and a reliability calculating unit 460 for calculating reliability based on the learned model.

The reliability information calculated in this way may be referred to, for example, in measuring the range of value fluctuations of the tangible asset before and after a specific user rents the tangible asset.

In the above, the range of value fluctuations may include not only the asset value of a simple tangible asset, but also costs (eg, repair, laundry, etc.) for a series of procedures required for the restoration of the asset value.

According to an embodiment, the calculated reliability information may indicate not only whether tangible assets are used normally, but also ancillary factors such as compliance with a designated procedure and rental time.

Accordingly, the reliability information according to the present invention is different from the traditional credit rating or credit information indicating the possibility of occurrence of serious credit risk such as whether long-term delinquency occurs for more than 90 days within the next one year.

The controller 260 is involved in overall control of the computing device 20 and may perform necessary control for each component in the process.

The controller 260 may control a notification service related to a result of performing a function of each component while performing the above-described process in the computing device 20 . The notification message may be transmitted after being stored in the database (DB) 260 .

The channel of the notification service may include push, SMS, messenger notification, and the like. According to an embodiment, the notification service may be linked with a notification service such as another application of the customer terminal, a messenger application, a social media application, or a unique message application.

The notification service described in this specification may be provided including text, image, video, graph, audio, and the like. The controller 260 may control the notification service according to the setting of whether to transmit the notification to the first terminal 10 or/and the second terminal 30 . According to an embodiment, the controller 260 may control a change on/off of the notification service of the first terminal 10 or/and the second terminal 30 .

The database (DB) 260 may temporarily store data classified, collected, generated, processed, etc. in the computing device 20 in the above-described process.

According to an embodiment, the database (DB) 270 classifies the personal information, social media information, behavior information, learned data, reliability information, credit information of the terminal user, etc. of the first terminal 10 as necessary. can be saved

The database (DB) 260 may or may not directly store the corresponding data. For example, the database (DB) 260 stores only an address where data is to be stored, that is, uniform resource locator (URL) address information, and the data may be stored in the stored URL address.

According to an embodiment, the control unit 250 transmits the URL address information read from the database (DB) 260 to the first terminal 10 and/or the second terminal 30, and directly from the terminal to the URL address. You can connect and download the data you need.

As described above, in the computing device 20 according to the present invention, personal information of a terminal user, for example, terminal data, residence data, and age data, rather than hard information such as a conventional financial transaction history and asset holding amount, etc. , along with soft information such as gender data and regional data, behavior information of the terminal user in the process of executing and using the service application provided by the computing device 20, for example, how many products are searched , how much you worry from product search to purchase, what type of product you are searching for, how much you worry about putting it in your shopping cart and making a payment, and combining it with behavioral pattern data such as the frequency of product returns after purchase, you can measure and predict reliability. have.

Such a reliability information service system may replace, for example, a traditional credit rating system, or may be combined with it to form a new type of credit rating system.

The meaning of the calculated reliability described in this specification indicates the objective reliability of whether the measured or predicted value is used normally without damaging the rental product as well as simply about whether the debt is fulfilled/defaulted. In this respect, it is different from the traditional financial asset-based credit rating system.

On the other hand, according to an embodiment, data used according to the present invention may be collected from various sources through various routes, for example, there may be information voluntarily provided by a user, and as described above, a service application may be used. After sequencing and processing an action log sequence and action time interval sequencing generated from logs automatically generated in the process of use, cluster and classify, and combine with the user-provided information to measure and evaluate reliability It can be used for reliability information for

In other words, the reliability according to the present invention can be viewed as information for a reliability evaluation model and system for debt and goods use based on a user's behavior log. A behavior sequence vector may be generated based on the behavior log sequence and the behavior time interval sequence.

In the above, the user's behavior identification information necessary for extracting the behavior sequence from the behavior log may be extracted and sequentially arranged. It is also possible to extract action time interval sequences from it.

The behavior sequence vector may generate a behavior vector from a behavior log and sequentially connect them to generate a behavior sequence vector.

In addition, a behavior vector for the target behavior may be generated based on a behavior adjacent to a target behavior in a window of a preset size within the service application within the behavior sequence and a time interval between the target behavior and the adjacent behaviors. Meanwhile, a behavior vector and sequence may be generated based on a preset weight in the behavior log.

As described above, the reliability information service according to the present invention learns and calculates objective reliability data based on personal information, behavior information, social media information, and product information to provide user reliability information.

In the above, the behavior information collects the behavior log that the user generates in the process of using the service application, for example, a log indicating all actions in the application, such as purchase, rental, subscription, personal information input, product inquiry, product search, login, etc. And based on the collected information, it is possible to extract major factors related to reliability calculation.

In the above, the social media data collects social media data by crawling online web pages, and matches the matching social media service based on the user's personal information to calculate reliability among the social media data. can be extracted and used. The data related to the reliability calculation extracted in this way may include text, photos, images, posts, likes, comments, friends, group interest information, posting frequency, etc. on social media.

In the above, the product information may represent information about a tangible asset provided by the computing device 20 or the second terminal 30 . For example, product information may be used by crawling online used transaction web pages related to the tangible asset by collecting residual value data of the tangible asset.

The computing device 20 may quantitatively measure a product release date, a market price, and a change in a product before rental and after collection of a popular rental product. Meanwhile, the computing device 20 may refer to the state of the product, for example, whether surface contamination, scratches, normal operation, and the like, as residual value data.

In the above, the learning and calculation combines the data extracted from at least one or more of the aforementioned personal information, behavior information, social media information, and product information, and machine learning and deep learning of tangible asset use behavior according to the characteristics of the user Based on the reliability, a quantitative model can be trained.

At this time, the computing device 20 may calculate and predict the overall reliability for the use of rental products by using the learned model, and calculate the overall reliability derived through the first terminal 10 and/or the second terminal ( 30) can provide services.

As such, the reliability information service providing method according to the present invention evaluates the data-based status and residual value of tangible assets, refers to the user's personal information and social media data as well as behavioral information, and provides rentals such as specific products. It is characterized by quantitatively measuring and predicting whether a tangible asset is used or returned without failure or damage. The failure, damage, good use, good return, etc. can be set in advance.

5 is a flowchart illustrating a method for providing product rental-related reliability information according to an embodiment of the present invention.

In FIG. 5 , the present invention is described in terms of the computing device 20 for better understanding and convenience of description, but the present invention is not limited thereto.

The computing device 20 may generate and learn a learning model for calculating reliability information for product rental ( S110 ). In this case, the learning model may be generated based on personal information, behavior information, and product information. According to an embodiment, in the process of generating and learning the learning model, techniques such as machine learning and deep learning described above may be used.

The computing device 20 may receive personal information of the first terminal user who rents one product ( S120 ).

The computing device 20 collects the first terminal user's behavior information and product information for the rental product (S130), and based on the received personal information and the collected behavioral information and product information, the first terminal Reliability information for the user's product rental may be calculated (S140).

The computing device 20 may transmit the reliability information of the user of the first terminal calculated in step S140 to the second terminal (S150).

The step S110 may be applied to the first terminal user in step S140, and reliability information for the first terminal user may be calculated based on the learning result.

In this case, according to an embodiment, the learning model may be applied to the learning model updated by reflecting the content learned about other terminal users. Also, according to an embodiment, a plurality of the learning models may be generated, and at least one learning model among them may be used to calculate the reliability information of the first terminal user.

In the above, the plurality of learning models may be divided and generated with reference to various factors. For example, the various factors may include age, gender, type or characteristic of a product, region, and the like.

According to an embodiment, in the step S130 , the computing device 20 may collect social media information of the first terminal user and use it to calculate the reliability information S140 .

As described above, the behavior information includes purchase, rental, subscription, product inquiry or search, login and logout, service use time and service use frequency on a reliability-related application or webpage executed by the terminal user on the terminal. It can be based on log data.

On the other hand, some parts of the order of the above drawings may be applied differently or may be applied simultaneously depending on the embodiment. Also, some of the flowchart of FIG. 5 may be performed by components other than the computing device 20 .

Since it is difficult to measure the value of tangible assets in the past, the expansion of the rental/rental market formed based on tangible assets was limited. The market was formed mainly for vehicles or large home appliances, which are easy to measure, or there were only takeover-type rental products that were priced only by the value of new products.

In addition, in the case of the rental/rental business, objective and transparent information disclosure is limited because costs are set based on assets that are difficult to evaluate, and compensation for loss/loss is claimed. However, according to the present invention, it is possible to activate and expand the rental/rental market.

In addition, as credit rating is regarded as an objective measure of the financial market, reliability information according to the present invention can be used as an objective standard in the sharing economy market, which is rapidly growing due to the rise of kickboard sharing, etc., and social media data other than personal information. And by measuring reliability using behavior data, it is possible to provide objective and universal trust information by using behavior information that can be commonly extracted to all users.

In addition, according to the present invention, it is possible to provide a robust index to external environmental changes by using data collected from various sources, which can be referred to, for example, when entering a new region or new market.

Meanwhile, the above-described method can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable medium.

In addition, the structure of the data used in the above method may be recorded in a computer-readable medium through various means. A computer readable medium storing executable computer code for performing various methods of the present invention includes a magnetic storage medium (eg, ROM, floppy disk, hard disk, etc.), an optically readable medium (eg, CD-ROM, DVD). storage media, such as).

Those of ordinary skill in the art related to the embodiments of the present invention will understand that it may be implemented in a modified form within a range that does not depart from the essential characteristics of the description.

Therefore, the disclosed methods are to be considered in an illustrative and not a restrictive sense. The scope of the present invention is indicated in the claims rather than in the detailed description of the invention, and all differences within the scope equivalent thereto should be construed as being included in the scope of the present invention.

Claims (8)

In the method of providing reliability information related to product rental by a computing device,
receiving personal information of a first terminal user who has rented a product;
collecting the behavior information of the first terminal user and product information on the rental product;
calculating reliability information for product rental of the user of the first terminal based on the received personal information and the collected behavioral information and product information; and
Comprising the step of transmitting the calculated reliability information of the user of the first terminal to a second terminal,
How to provide information on product rental reliability.
According to claim 1,
Creating and learning a learning model for calculating reliability information for product rental based on personal information, behavioral information and product information; further comprising:
How to provide information on product rental reliability.
According to claim 1,
The product rental reliability information is,
When a specific product is rented to the terminal user, it is predictive data on the possibility of using or returning the rental product without failure or damage within a predetermined range;
How to provide information on product rental reliability.
4. The method of claim 3,
The product rental reliability information is,
Consisting of at least one form of text and an image,
How to provide information on product rental reliability.
3. The method of claim 1 or 2,
Collecting external data about the first terminal user; further comprising,
The external data includes at least one of financial transaction data and social media data of the first terminal user,
How to provide information on product rental reliability.
According to claim 1,
The behavior information is
Based on log data including purchase, rental, subscription, product inquiry or search, log-in and log-out, service use time and service use frequency on a reliability-related application or webpage executed by the terminal user on the terminal,
How to provide information on product rental reliability.
In the product rental related reliability information providing device,
Memory; and
including a processor;
The processor is
Receive the personal information of the first terminal user who rented the product, collect the behavior information of the first terminal user and the product information on the rental product, based on the received personal information and the collected behavior information and product information to calculate the reliability information for the product rental of the first terminal user, and transmit the calculated reliability information of the first terminal user to the second terminal,
Product rental reliability information providing device.
In the product rental-related reliability information providing system,
a first terminal that rents and uses products;
a second terminal that provides a rental service of the product or a service related to product rental; and
Including a computing device for calculating the product rental related reliability information,
The computing device is
Receive the personal information of the first terminal user who rented the product, collect the behavior information of the first terminal user and the product information on the rental product, based on the received personal information and the collected behavior information and product information to calculate the reliability information for the product rental of the first terminal user, and transmit the calculated reliability information of the first terminal user to the second terminal,
Product rental reliability information providing system.

Images