JP6169645B2 - Information processing apparatus, asset estimation method, and computer program - Google Patents

Description

  The present invention relates to a data processing technique, and more particularly to an information processing apparatus, an asset estimation method, and a computer program.

  In recent years, attempts have been made to obtain useful information in business by causing a computer to analyze various information. In the following Patent Document 1, the present applicant proposes a technique for analyzing product sales information and creating information for supporting user sales activities. Specifically, with regard to the region where the purchaser of the product resides (hereinafter also referred to as “area”), paying attention to the area cluster that is a group of regions where the attributes of the residents are similar, based on the area cluster where the purchaser resides The company proposes a technology that creates useful information for merchandise sellers by analyzing sales information.

JP 2009-169698 A

  Many companies manage their own customer information and analyze the customer information to obtain useful information for corporate activities. However, the information obtained by analysis using only customer information accumulated in the company was limited. By the way, data (hereinafter also referred to as “building statistical information”) that summarizes the building type, establishment type, number of floors, area, etc. for buildings all over Japan is provided by map production companies and the like. The inventor of the present invention thought that it would be possible to provide more useful information for corporate activities by utilizing the resident attribute information and building statistics information of the area where the customer lives.

  The present invention is based on the above-mentioned recognition of the present inventor, and the main purpose is to provide useful information for corporate activities by utilizing inhabitant attribute information and building statistical information of the area where the customer lives. It is.

  In order to solve the above-described problem, an information processing apparatus according to an aspect of the present invention includes a first storage unit that stores statistical information regarding assets held by residents of each of a plurality of areas, and a plurality of houses that exist in each area. Statistical information stored in the first storage unit, the second storage unit that stores information indicating the area of the asset, and the total amount of assets held by the inhabitants of the specific area where the subject of the asset amount of the plurality of areas resides The ratio of the subject's housing area to the total area of the houses existing in the specific area is estimated according to the information stored in the second storage unit, and the amount of assets held by the subject is estimated according to the total amount and ratio of assets. And an estimation unit.

  Another aspect of the present invention is an asset estimation method. In this method, according to statistical information on assets held by residents in each of the plurality of areas, the total amount of assets held by the residents in a specific area in which the subject whose asset amount is to be estimated is estimated. According to the step and the information indicating the area of each of the plurality of houses existing in the specific area, the ratio is estimated in the second step and the first step of estimating the ratio of the main house area to the total area of the houses existing in the specific area. The computer executes a third step of estimating the amount of assets held by the subject according to the total amount of assets and the ratio estimated in the second step.

  Note that any combination of the above-described constituent elements and the expression of the present invention converted between a system, a program, a recording medium storing the program, and the like are also effective as an aspect of the present invention.

  ADVANTAGE OF THE INVENTION According to this invention, useful information for a corporate activity can be provided using the inhabitant attribute information and building statistics information of the area where a customer lives.

It is a figure which shows the structure of the sales support system of embodiment. It is a block diagram which shows the structure of the information analyzer of FIG. It is a figure which shows the example of the customer information stored in a customer information holding part. It is a figure which shows the example of the inhabitant attribute information stored in an area information holding part. It is a figure which shows the example of the information hold | maintained at a statistical information holding part. It is a figure which shows the matrix data of an age and a house total floor area. It is a flowchart which shows operation | movement of an information analyzer.

  Many companies have been trying to obtain useful information for business by performing data analysis using customer information managed by the company, for example, data mining by a computer. For example, banks and securities companies sometimes select customers to be sales targets by analyzing data such as customer names, ages, addresses, and transaction results accumulated in their databases. However, in-house customer information is basically limited to data disclosed by customers in transactions with customers, and information obtained by analysis using only in-house customer information has been limited.

  Therefore, the information analysis apparatus according to the embodiment estimates (estimates) the amount of assets held by the customer by using the resident attribute information and the building statistical information of the area where the customer lives. For example, a specific customer who lives in a certain area may have an estimated asset amount of 30 million yen even though his / her own deposit is about 1 million yen. In this case, it may be possible to expand the sales of financial products by aggressively conducting sales activities with the customer as a highly likely purchaser of financial products. As described above, the information analysis apparatus according to the embodiment supports the business activities of the company by estimating the asset amount of the customer.

  In the following description, customers include both individuals and corporations. Further, although the assets are particularly exemplified as financial assets, the technology of the embodiment can be applied to other types of assets. For example, the technique of the embodiment can be applied to real estate assets or a combination of financial assets and real estate assets.

  FIG. 1 shows a configuration of a sales support system 10 according to the embodiment. The sales support system 10 is an information processing system built in a company such as a bank, a securities company, or a real estate company. The sales support system 10 includes an information analysis device 12, a sales support device 14, and a person-in-charge terminal 16. As described above, the information analysis apparatus 12 is an information processing apparatus (such as a server) that estimates the amount of assets held by a customer and provides the estimated value to the sales support apparatus 14.

  The person-in-charge terminal 16 is an information terminal operated by a company sales person, and includes, for example, a PC, a tablet terminal, and a smartphone. The sales support device 14 is an information processing device (server or the like) that provides various sales support information including estimated values of assets held by customers to the person-in-charge terminal 16. The sales support device 14 may have a function of a web server, and may transmit a web page including sales support content to the person-in-charge terminal 16. The person-in-charge terminal 16 may display the web page provided from the sales support device 14 on the screen of the web browser.

  FIG. 2 is a block diagram showing a configuration of the information analysis apparatus 12 of FIG. The information analysis device 12 includes a control unit 20, a storage unit 22, and a communication unit 24. The control unit 20 executes various data processing. The storage unit 22 stores data that is referred to and updated by the control unit 20. The communication unit 24 communicates with an external device according to various communication protocols. The control unit 20 transmits / receives data to / from the sales support device 14 via the communication unit 24.

  Each block shown in the block diagram of the present specification can be realized in terms of hardware by an element such as a CPU of a computer or a mechanical device, and in terms of software, it can be realized by a computer program or the like. The functional block realized by those cooperation is drawn. Therefore, those skilled in the art will understand that these functional blocks can be realized in various forms by a combination of hardware and software.

  For example, an information analysis application including a program module corresponding to each block of the control unit 20 may be stored in a recording medium such as a DVD and installed in the information analysis apparatus 12. Then, the information analysis application 12 stored in the storage of the information analysis apparatus 12 is executed by the processor (CPU or the like) of the information analysis apparatus 12 so that the information analysis apparatus 12 performs the function of each block of the control unit 20. Good. The storage unit 22 may be realized by storing data in a storage or a memory of the information analysis device 12. 2 may be realized in a distributed environment, or may be realized by cooperation of a plurality of devices (such as an application server and a database server) via a communication network.

  The storage unit 22 includes a customer information holding unit 30, an area information holding unit 32, a building information holding unit 34, a statistical information holding unit 36, and an asset estimated value holding unit 38.

  The customer information holding unit 30 holds customer information managed inside the company. Customer information can be said to be customer attribute information accumulated in a company during a transaction with a customer. FIG. 3 shows an example of customer information stored in the customer information holding unit 30. The customer information in the figure includes the customer ID, name, address (or residence), gender, age, and transaction performance. The transaction performance may be information on financial products that the customer has purchased so far and currently holds. For example, it may include the account balance, the stock brand and number of shares held, the type and number of funds held, and the like.

  Returning to FIG. 2, the area information holding unit 32 has information (hereinafter referred to as “residents”) for a plurality of geographically divided areas, in other words, for each of a plurality of areas on the map. Also called “attribute information”). Specifically, the area information holding unit 32 sets about 180,000 town streets throughout Japan as areas, and holds inhabitant attribute information of each area.

  The resident attributes of each area include demographic attributes indicating demographic attributes of each area and psychographic attributes indicating attributes related to human psychology such as values and lifestyles of the residents of each area. Demographic attributes include “a nuclear family with a relatively small child in their 30s and 40s”, “income is slightly higher than average and there are many people who have graduated from university”, “two children”, and the like. On the other hand, as a psychographic attribute, “For women in their 20s, they place great importance on brand, safety and economy, but there is little environmental orientation”, “For women in their 30s, they place a little emphasis on the brand and are environmentally oriented. And “relatively high risk tolerance”. That is, the resident attribute of each area is information indicating a typical resident image living in each area, and includes the age, income level, occupation, educational background, family structure, living environment, preferences, way of thinking, and the like of the resident.

  The resident attribute information of each area includes an index value obtained by indexing the resident attribute of each area. This index value is a plurality of types of index values obtained by indexing and quantifying the degree to which the resident attribute matches each of a plurality of types of evaluation criteria using a predetermined evaluation function. For example, the average annual income, the average number of households, the average number of children per household, the proportion of people in their 30s, the proportion of people in their 40s, the proportion of homes, the risk tolerance, the degree of environmental orientation, etc. As for qualitative resident attributes such as values, qualitative resident attributes converted into numerical values are recorded for calculation processing by a computer.

  The inhabitant attribute information of the embodiment includes statistical information on assets held by inhabitants in each of a plurality of areas. FIG. 4 shows an example of inhabitant attribute information stored in the area information holding unit 32. Resident attribute information includes (1) various publicly available statistical information such as the national census, and (2) information (statistical information, etc.) that the developer of the information analysis application independently estimated based on (1) above. Including. (1) includes the age ratio, gender ratio, occupation ratio, educational ratio, etc., and corresponds to the number of households, the 20th generation ratio, and the 30th generation ratio (here, the age ratio of the householder). (2) includes average income, average assets, average land prices, etc., and corresponds to the estimated financial assets and estimated land prices in FIG.

  Returning to FIG. 2, the building information holding unit 34 holds building statistical information provided from a map production company or the like. The building statistical information includes information indicating the area of each of a plurality of houses existing in each of a plurality of areas. Specifically, for various buildings that exist in approximately 180,000 town-chomes throughout Japan, the building type (for example, separate from a detached house or an apartment house), the type of establishment, the number of floors, the total floor area, the location on the map (address) , Whereabouts, etc.).

  The statistical information holding unit 36 is statistical information (including a national census) announced by a public institution or a think tank, and holds statistical information that is not associated with a town street area. FIG. 5 shows an example of information held in the statistical information holding unit. The figure shows the results of a national consumption survey conducted by the Ministry of Internal Affairs and Communications, and shows changes in financial assets by age of household head. The asset estimated value holding unit 38 holds information indicating the customer asset amount estimated by the asset estimating unit 42 described later.

  The data stored in the customer information holding unit 30, the area information holding unit 32, the building information holding unit 34, and the statistical information holding unit 36 do not necessarily need to be permanently held in the information analysis device 12. It may be temporarily held in 12 storage areas. For example, these data may be dynamically acquired from an external database server or the like and developed in the memory of the information analysis device 12 when necessary for processing by the control unit 20.

  The control unit 20 includes an object identification unit 40, an asset estimation unit 42, an asset estimation value output unit 44, and a correction information acquisition unit 46.

  The target identifying unit 40 identifies a customer whose asset amount is to be estimated from a plurality of customers whose information is stored in the customer information holding unit 30. For example, when an analysis request specifying a specific customer ID is input from the outside, the target identifying unit 40 identifies a customer specified by the specified customer ID as an estimation target. Further, when an analysis request for designating a specific street is input from the outside, the target identifying unit 40 identifies a customer who includes the designated street as an estimation target. In the case of periodic estimation processing, the target identification unit 40 may identify the estimation target customers in the order of the customer information records recorded in the customer information holding unit 30.

  The asset estimation unit 42 estimates the amount of assets held by the customer identified as the estimation target by the target identification unit 40, and stores the estimated value in the asset estimated value holding unit 38 in association with the customer information (customer ID, etc.). To do. The estimation process by the asset estimation unit 42 will be described later. The asset estimated value output unit 44 acquires information in which customer information such as a customer ID is associated with the estimated asset value of the customer from the asset estimated value holding unit 38 and transmits the information to the sales support device 14.

  The correction information acquisition unit 46 receives the correction information related to the customer's asset amount transmitted from the sales support apparatus 14. The correction information includes a customer ID and a correction value of the asset amount held by the customer. The correction value may be, for example, an asset amount that the customer has actually found to have. The correction information acquisition unit 46 stores the asset amount of the specific customer indicated by the correction information in the asset estimated value holding unit 38. The correction information acquisition unit 46 passes the correction information to the asset estimation unit 42 and causes the asset estimation unit 42 to re-execute the asset amount estimation process.

The asset amount estimation process by the asset estimation unit 42 will be described in detail.
First estimation process) Estimating the asset amount based on the housing area of the subject of the asset estimate:
As a first step, assets owned by residents of a specific area (hereinafter referred to as “target area”) to which the address of the subject of asset estimation is based according to statistical information about assets held by residents of each of the plurality of areas Estimate the total amount. The target area can be said to be an area where the target subject lives, and is typically one area.

  As a second step, according to the information indicating the area of each of a plurality of houses existing in the target area, the ratio of the subject area of the subject to the total area of the house relative to the total area of the houses present in the target area, in other words, the ratio is estimated. To do. As a third step, the amount of assets held by the subject is estimated according to the total amount of assets in the target area estimated in the first step and the ratio of the residential area estimated in the second step.

  That is, the asset estimation unit 42 distributes the total assets of the area according to the ratio of the residential area of each resident to the total residential area of the area, for each of a plurality of residents of a certain area, Estimate the amount of assets owned by each inhabitant. In this way, the amount of assets owned by customers, which was difficult to estimate simply by analyzing customer information, by performing analysis using the resident attributes of the target area and the relative size of the target subject's home in the target area as parameters. Is accurately estimated.

  Specifically, in the first step, the asset estimation unit 42 refers to the customer information holding unit 30 and identifies the address of a specific customer who is the subject of asset amount estimation. Then, referring to the area information holding unit 32, the number of households and financial asset estimated values of the target area to which the target subject's address belongs are identified, and the product of these is estimated as the total amount of assets held by the residents in the target area. In the case where Taro Nomura in FIG. 3 is the subject, the total amount of assets in the target area “Nishiki 1-chome, Nerima-ku, Tokyo” is calculated as 2 billion yen (100 × 20 million yen).

  In the subsequent second step, the asset estimation unit 42 refers to the building information holding unit 34 and identifies the total floor area of the subject subject house. Further, the total floor area of each of the plurality of houses existing in the target area is identified, and the total floor area of the houses is calculated to calculate the total total floor area of the houses in the target area. Then, the specific gravity of the total floor area of the subject main house in the total floor area of the house in the target area is calculated. For example, if the target area is Taro Nomura in Figure 3, the total floor area of Taro Nomura's house is 90 square meters, and the total floor area of the residential area in the target area "Nishima 1-chome, Nerima-ku, Tokyo" is 10,000 square meters, The area ratio is calculated as 0.9%.

  In the following third step, the asset estimation unit 42 allocates a part of the total assets of the target area calculated in the first step to the target subject according to the housing area ratio calculated in the second step. Specifically, the product of the total assets in the target area and the housing area ratio is estimated as the amount of assets held by the target entity. In the example of Taro Nomura in Fig. 3, Taro Nomura owns 18 million yen, which is a product of the total assets of 2 billion yen and the housing area ratio of 0.9% in the target area "Nishima 1-chome, Nerima-ku, Tokyo". Determined as an estimated value.

Second estimation process) Estimating the asset amount considering the age of the subject of asset estimation:
The asset estimation unit 42 estimates the amount of assets held by the target subject according to the relationship between the age of the target subject and the age of other residents in the target area where the subject subject resides. In the first estimation process described above, it is estimated that target entities with the same size of housing in the same area have the same asset amount, but as shown in Fig. 5, the amount of financial assets held by individuals depends on the age. to differ greatly. Therefore, in the second estimation process, the age accuracy of the target subject is used as a further parameter to further improve the estimation accuracy of the asset amount.

  As one method of realizing the second estimation process, the asset estimation unit 42 adds a coefficient (hereinafter referred to as “adjustment”) to the asset amount estimation value based on the housing area of the target entity obtained in the first estimation process. A value obtained by multiplying by “coefficient” may be used as the final estimated value of the amount of assets held by the subject entity. The adjustment coefficient may be determined based on statistical information regarding the transition of the asset amount by age. For example, the adjustment coefficient may be determined according to the financial asset amount by household head age shown in FIG. For example, the asset estimation unit 42 identifies the mode household head age in the target area with reference to the area information holding unit 32, and indicates the mode household head age in the financial asset amount by household head age in FIG. The financial asset amount ratio for each era may be determined as an adjustment coefficient using the financial asset amount as a reference (eg, 1).

  The asset estimation unit 42 calculates the final value of the assets held by the target entity by multiplying the estimated asset value based on the housing area of the target entity obtained in the first estimation process by the financial asset ratio of the target entity's age. The estimated value may be determined. In the example of Taro Nomura in FIG. 3, if the household head age of the most frequent value in “Nishima 1-chome, Nerima-ku, Tokyo” is in his 40s, the ratio of financial assets in his 50s to which Taro Nomura falls is 1.48. Therefore, the asset estimation unit 42 may determine the final estimated value of assets held by Taro Nomura as 26.64 million yen (18 million yen x 1.48). In the case of Jiro Nakamura (a house of the same size as Taro Nomura) in Figure 3, the ratio of financial assets in their 30s is 0.6. Therefore, the asset estimation unit 42 may determine the final estimated value of the asset amount held by “Jiro Nakamura” as 10.8 million yen (18 million yen × 0.6).

  Note that the value of the adjustment coefficient may be adjusted at any time to an appropriate value based on the knowledge and experience of the information analysis application developer or an experiment using the information analysis device 12. However, as shown in FIG. 5, typically, a larger coefficient is set as it approaches the 60s with the largest amount of financial assets in the statistical information, and a smaller coefficient is set as it moves away from the 60s. That is, when the asset amount is estimated using the age of the target subject as a weighting condition, typically, the asset amount that is relatively large is estimated as the age of the subject subject approaches the 60s. In addition, the asset amount that is relatively small is estimated as the age of the subject is far from the 60s.

  As another method for realizing the second estimation process, the asset estimation unit 42 generates matrix data of the age and total floor area illustrated in FIG. 6 as a fourth step following the third step of the first estimation process. May be. The value of each column of the column total is calculated with reference to the area information holding unit 32 based on the number of households in the living area of the subject subject and the age ratio of the householder. Further, the value of each column of the row total is calculated by referring to the building information holding unit 34 and classifying each house existing in the target area by the total floor area. The total value of each column of the column total and the total value of each column of the row total are the number of households in the target area, and are 100 households in “Nishima 1-chome, Nerima-ku, Tokyo”.

  The asset estimation unit 42 calculates the number of households for each combination of age and total floor area using the values in the column total column and the row total column as constraints. That is, the value of each cell indicated by the shading in FIG. 6 is calculated. For this calculation, a known analysis technique may be used. For example, a freighter method or a multivariate analysis method may be used. In FIG. 6, as an example, cell values in a row with a total floor area “80 to 120 square meters” are shown. The total of these cell values is 44 households.

  The asset estimation unit 42 calculates the total amount of assets of the household group in the row to which the subject area of the target subject corresponds (hereinafter referred to as “total amount of assets of a similar residential area”). In the case of Taro Nomura in FIG. 3, since the total floor area is 90 square meters, the assets of 44 households corresponding to the total floor area “80 to 120 square meters” are obtained and combined by the first estimation process. As a modification, the estimated asset value (20 million yen) based on 100 square meters, which is the median value, may be simply increased by the number of households with similar housing areas. For example, if it is 44 households, it may be multiplied by 44. The asset estimation unit 42 distributes the total amount of assets of households with similar housing area to each household based on the number of households obtained by age and the adjustment factor described above, so that the final estimate of the amount of assets held by the subject entity To decide.

For example, when the 50s in FIG. 5 is used as a reference, the adjustment factors for each age are 20s “0.2”, 30s “0.4”, 40s “0.68”, 50s “1”, The 60s are “1.38” and the 70s are “1.34”. If the asset amount of Taro Nomura (50s) in Fig. 3 is A and the total assets of households with similar housing area are 880 million yen, the following formula is established.
4 × 0.2A + 12 × 0.4A + 15 × 0.68A + 6 × A + 4 × 1.38A + 3 × 1.34A = 880 million yen The asset estimation unit 42 solves this equation and calculates the final amount of assets held by Taro Nomura. The estimated value may be determined to be 28.63 million yen. In the case of Jiro Nakamura (30's) in FIG. 3, the final estimated value may be determined to be 11.45 million yen by the same method.

Third estimation process) Estimating the asset amount reflecting the correction information:
The asset estimation unit 42 estimates the amount of assets held by each of a plurality of residents living in one area, and when correction information regarding the amount of assets held by a certain resident in the area is input, according to the correction information Update asset estimates for other residents in the area. Typically, when the correction information indicates that the actual asset amount of the resident A in an area is larger than the estimated value, the asset estimation unit 42 calculates the estimated asset value of the resident B to Z in the area. Correct to a smaller value. On the other hand, when the correction information indicates that the actual asset amount of the resident A in the area is smaller than the estimated value, the asset estimation unit 42 increases the estimated asset value of the residents B to Z in the area. Correct to value.

  When the correction information is input from the correction information acquisition unit 46, the asset estimation unit 42 refers to the customer information holding unit 30, and the customer indicated by the correction information (hereinafter referred to as “estimation unnecessary customer”) resides. Identifies the area (town address of customer address). Then, other customers who live in the target area are identified as correction target customers. For example, when the correction information indicates the asset amount of Taro Nomura in FIG. 3, Jiro Nakamura in FIG. 3 is identified as the customer to be corrected.

  The asset estimation unit 42 estimates the total amount of assets held by the residents in the target area as the first step of the first estimation process in the asset amount estimation of the correction target customer, and at this time, the asset amount indicated by the correction information That is, the amount of assets held by the estimation unnecessary customer is subtracted from the total amount of assets. Further, as the second step, the total area of the houses existing in the target area is calculated. At that time, the area of the house of the estimation unnecessary customer is subtracted from the total area of the houses. Then, the ratio of the housing area of the customer to be corrected to the total housing area after subtracting the housing area of the estimation unnecessary customer is calculated.

  In the third step of the first estimation process, according to the total amount of assets in the target area estimated in the first step (but subtracting the amount of assets of customers who do not need estimation) and the residential area ratio of the correction target customer estimated in the second step, Estimate the amount of assets held by the target customer. The asset estimation unit 42 stores the asset amount newly estimated for the correction target customer in the asset estimation value holding unit 38, that is, updates the asset amount estimation value of the correction target customer so far.

  As described above, as a result of reflecting the correction information in the first estimation process, the correction information is also reflected in the result of the second estimation process in consideration of the age. Also, by subtracting the amount of unnecessary customers' assets from the total assets of households with similar housing area in the second estimation process, and subtracting the number of unnecessary customers from the number of households, the correction information is added to the result of the second estimation process. It may be reflected. According to the third estimation process, when the actual amount of assets held by a customer in an area is found, the feedback of the actual amount of assets is accepted and the estimated amount of assets held by other customers in the area is updated. Can increase the accuracy of the estimated asset value.

The operation of the sales support system 10 having the above configuration will be described.
FIG. 7 is a flowchart showing the operation of the information analysis apparatus 12. When the information analysis apparatus 12 (for example, the asset estimation unit 42) detects that an asset estimation start instruction is input from the user or that a predetermined start timing has been reached, the asset estimation start condition is satisfied. judge. When the start condition is satisfied (Y in S10), the target identifying unit 40 identifies a customer as a target of asset estimation (S12). When a specific customer or area is specified in the start instruction, one or more customers whose customer or address matches the area may be estimated. In the case where no customer / area is specified or in the case of periodic processing, all customers who have a transaction record with the company may be estimated.

  The asset estimation unit 42 estimates the asset amount of the customer identified as the estimation target (S14). For example, the first estimation process may be executed, or the first estimation process + the second estimation process may be executed. If the estimation process for all the customers to be estimated is not completed (N in S16), the process returns to S14. When the estimation process for all the customers to be estimated is completed (Y in S16), the asset estimated value output unit 44 provides the sales support apparatus 14 with information indicating the estimated asset value of the customer (S18). For example, when the asset values of a plurality of customers including Taro Nomura, Jiro Nakamura, and Hanako Hashimoto in FIG. 3 are estimated, a list in which the identification information of each customer is associated with the estimated asset value of each customer is sent to the sales support device 14. You may send it. If the asset estimation start condition is not satisfied (N in S10), the processes in and after S12 are skipped, and the flow of this figure is terminated.

  The sales support device 14 provides the person-in-charge terminal 16 with the estimated asset value of each customer provided from the information analysis device 12. For example, the estimated asset value of each customer may be set in the data on the web page of the customer information screen or the customer list screen, and the web page may be transmitted to the person-in-charge terminal 16 and displayed. Sales representatives conduct sales activities with reference to the estimated asset value of each customer. For example, the sales promotion of financial products is carried out with a customer whose transaction value with the company is small but the asset value estimate is large as a priority customer.

  When the actual asset amount of a certain customer is found in the sales activity, the sales person in charge registers correction information indicating the actual asset amount of the customer from the person-in-charge terminal 16 to the sales support device 14. The sales support device 14 transmits the correction information received from the person-in-charge terminal 16 to the information analysis device 12. The information analysis apparatus 12 also determines that the start condition of FIG. 7 is satisfied even when the correction information acquisition unit 46 receives the correction information input from the sales support apparatus 14. In S12, the target identifying unit 40 identifies the correction target customer. In S14, the asset estimation unit 42 estimates the asset amount of the correction target customer again according to the asset amount of the specific customer indicated by the correction information.

  For example, when correction information related to Taro Nomura in FIG. 3 is input, another customer residing in the same area as Taro Nomura (for example, Jiro Nakamura in FIG. 3) is identified as the correction target customer, and the asset amount of the correction target customer is determined. Estimate again according to Taro Nomura's actual assets. Typically, if Taro Nomura's actual asset value is larger than the previous estimate, Jiro Nakamura's asset estimate will be updated to a smaller value, and Taro Nomura's actual asset value will be If it is smaller than the estimated value, Jiro Nakamura's estimated asset value is updated to a larger value. The asset estimated value output unit 44 provides the newly estimated asset amount estimated value of each customer to the sales support apparatus 14.

  The present invention has been described based on the embodiments. This embodiment is an exemplification, and it will be understood by those skilled in the art that various modifications can be made to combinations of the respective constituent elements and processing processes, and such modifications are also within the scope of the present invention. is there.

  It should also be understood by those skilled in the art that the functions to be fulfilled by the constituent elements described in the claims are realized by the individual constituent elements shown in the embodiments and the modification examples or by their cooperation.

  DESCRIPTION OF SYMBOLS 10 Sales support system, 12 Information analyzer, 30 Customer information holding part, 32 Area information holding part, 34 Building information holding part, 40 Object identification part, 42 Asset estimation part, 44 Asset estimated value output part, 46 Correction information acquisition part .

Claims (5)

A first storage unit for storing statistical information on assets held by residents of each of the plurality of areas;
A second storage unit that stores information indicating the area of each of a plurality of houses in each area;
Houses existing in the specific area by estimating the total amount of assets held by the inhabitants of the specific area in which the subject for which the asset amount is to be estimated out of the plurality of areas, according to the statistical information stored in the first storage unit Estimating the proportion of the subject's housing area to the total area of the subject according to the information stored in the second storage unit, and estimating the asset amount held by the subject according to the total amount of assets and the proportion;
An information processing apparatus comprising:   The information processing apparatus according to claim 1, wherein the estimation unit estimates an asset amount held by the subject according to a relationship between the age of the subject and the age of other residents of the specific area. .   The estimation unit estimates the amount of assets held by each of a plurality of residents in one area, and when correction information regarding the amount of assets held by a certain resident in the one area is input, the estimation unit 1 The information processing apparatus according to claim 1, wherein the estimated asset value of other residents in one area is updated. A first step of estimating the total amount of assets held by residents of a specific area in which the subject of the asset amount of the plurality of areas resides according to statistical information on assets held by residents of each of the plurality of areas;
A second step of estimating a ratio of the housing area of the subject to the total area of the houses existing in the specific area according to the information indicating the areas of the plurality of houses existing in the specific area;
A third step of estimating the amount of assets held by the subject in accordance with the total amount of assets estimated in the first step and the ratio estimated in the second step;
An asset estimation method characterized in that a computer executes. A first function for estimating a total amount of assets held by a resident in a specific area in which the subject of the asset amount of the plurality of areas resides according to statistical information on assets held by each resident of the plurality of areas;
A second function for estimating a ratio of the area of the subject's house to the total area of the house existing in the specific area according to information indicating the area of each of the plurality of houses existing in the specific area;
A third function for estimating the amount of assets held by the subject in accordance with the total amount of assets estimated by the first function and the ratio estimated by the second function;
A computer program for realizing a computer.

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