JP6910229B2 - Information processing device and credit rating calculation method - Google Patents

Description

The present invention relates to an information processing device and a credit rating calculation method for estimating and calculating the credit rating of a user.

Patent Document 1 describes a technique for calculating a customer's recommended credit line. This technology calculates a recommended credit line based on information such as the customer's work industry, occupation, and transaction status, and uses it as a guideline for financing from financial institutions.

Japanese Unexamined Patent Publication No. 2014-225253

However, in the above-mentioned conventional technique, every time the user wants to receive a service such as a loan, the user needs to input the information for calculating the credit line, which is very troublesome.

An object of the present invention is to easily calculate the degree of trust of a user without inputting his / her own information.

The information processing device according to the embodiment of the present invention has a storage unit that stores subscriber information including fee payment information related to fee payment of a user who subscribes to a communication service provided by a telecommunications carrier, and subscriber information. A model generation unit that generates a credit rating calculation model for calculating the credit rating of a user based on the above, and a calculation unit that calculates the credit rating of the one user using the credit rating calculation model and the subscriber information of one user. , Equipped with.

In the above information processing device, the model generation unit generates a credit rating calculation model for calculating the credit rating of the user based on the subscriber information stored in the storage unit. After that, the calculation unit calculates the credit rating of the one user using the credit rating calculation model and the subscriber information of the one user. Since the credit rating calculation model is generated based on the subscriber information including the fee payment information, it is possible to reflect the credit rating of the subscriber in terms of money. Since the credit rating can be calculated using the subscriber information held in advance by the telecommunications carrier that provides the communication service, there is no need to newly input customer information to calculate the credit rating. Therefore, the degree of trust of the user can be easily calculated.

According to the present invention, the degree of trust of a user can be easily calculated.

It is a system configuration diagram of the server of one embodiment. It is a flow chart which shows the process of calculating a credit degree. It is a figure for demonstrating an example of model generation. Is. It is a figure which shows the hardware configuration example of a server.

Hereinafter, an embodiment according to the present invention will be described. In the following embodiment, an example of an information processing device that calculates the creditworthiness of a user by using the subscriber information of a user who subscribes to a communication service provided by a telecommunications carrier will be described. The credit rating indicates the degree to which the user can be trusted, such as whether or not the user pays and whether or not the borrowed item is returned. Such a credit rating may be represented by a score such as a score, or may be represented by another expression (for example, a ranking preset in a plurality of stages according to the credit rating). As an example, when calculating the credit amount given to a user, the credit rating can be used as one of the indexes. The communication service provided by the telecommunications carrier may be a mobile communication service as an example. In the mobile communication service, the user can perform wireless communication by connecting an information processing terminal such as a smartphone, a mobile phone, a tablet terminal, a PDA (Personal Digital Assistant), or a personal computer to a network such as a mobile communication network.

(System configuration)
FIG. 1 is a system configuration diagram of a server 10 (an example of an information processing device) in one embodiment. As shown in FIG. 1, the server 10 includes a contract information DB 11, a location information DB 12, a communication history DB 13, a service usage history DB 14, a data acquisition unit (storage unit) 15, a data processing unit 16, a model generation unit 17, and a model DB 18. It includes a credit rating calculation unit 19, a credit rating output section 20, a credit rating DB 21, and a provision condition determination unit 22. The functions of each part are outlined below.

The contract information DB 11, the location information DB 12, the communication history DB 13, and the service usage history DB 14 are databases that store subscriber information. The subscriber information is information about a user who has subscribed to the communication service, and is held by the communication carrier.

The contract information DB 11 stores the contract contents applied by the user at the time of contracting the communication service and the contract information indicating the contract contents updated by the user for each user. The user's contract information consists of some parameter information (so-called items), for example, information for identifying the user such as the user's name, the user's age, the user's address, and the user's family structure, and the contract. Includes information about contracted services such as the contracted communication plan, contract period, service contract information, fee payment method, fee payment information related to subscriber's fee payment such as fee payment status, etc. Information about the service may include information on the charges for receiving the service. The fee payment method is a method selected by the user from a plurality of payment methods such as direct debit, credit card payment, and invoice payment. The charge payment status may include, for example, information on the presence or absence of charge delinquency and information on the period of charge delinquency.

The position information DB 12 stores the position information indicating the history of the position of the information processing terminal (user terminal) owned by the user. The position information may be, for example, information indicating the latitude and longitude acquired by the operation of GPS (Global Positioning System). Further, the location information includes location registration information based on the information of the base station in the area where the user terminal is located, Wi-Fi location information based on the Wi-Fi (registered trademark) access point acquired by the user terminal, and the like. May be good. The position information DB 12 can periodically acquire the history of the position information of the user terminal from the user terminal, for example.

The communication history DB 13 stores communication history information indicating the communication history of the user terminal. The communication history information includes the number of outgoing calls, the number of incoming calls, the number of outgoing destinations, the number of incoming calls, the total call time, the amount of communication (data amount, the number of communications), and the like within a predetermined period. The communication history information can be used on the server 10 only when the consent of the user is obtained.

The service usage history DB 14 stores the usage history information of the contracted additional service. An additional service is a service provided by a telecommunications carrier that becomes available under a user's contract. For example, the additional service may include a music distribution service, a video distribution service, an electronic book use service, and the like. The service usage history DB 14 stores what kind of additional service the user has subscribed to. In addition, the service usage history DB 14 stores the usage status of the contracted additional service for each user.

The data acquisition unit 15 acquires and stores subscriber information for each user for the communication service from the contract information DB 11, the location information DB 12, the communication history DB 13, and the service usage history DB 14. Here, an example in which the data acquisition unit 15 acquires subscriber information from the contract information DB 11, the location information DB 12, the communication history DB 13, and the service usage history DB 14 provided in the server 10 will be described. It is not essential to include the location information DB 12, the communication history DB 13, and the service usage history DB 14. When the server 10 does not include the contract information DB 11, the location information DB 12, the communication history DB 13 and the service usage history DB 14, the data acquisition unit 15 is outside the server 10 (for example, the contract information DB 11, the location information DB 12, the communication history DB 13 and the service usage history). Subscriber information may be acquired from another server provided with DB14).

The data processing unit 16 processes (converts) the subscriber information acquired by the data acquisition unit 15 into a data format for model generation or a data format for applying to the generated credit rating calculation model. For example, the data processing unit 16 selects necessary parameter information according to the purpose from the parameter information constituting the subscriber information and uses it as the subscriber information. Further, the difference between the contract information and the history information may be derived according to the usage, and the derived difference may be used as the subscriber information. The difference is, for example, the difference in communication charges, and the difference between contract information and history information in the case of conceptual information such as an address. The history information is a general term for the communication history information stored in the communication history DB 13, the usage history information stored in the service usage history DB 14, and the location information stored in the location information DB 12.

The model generation unit 17 generates a credit rating calculation model for calculating the credit rating of the user based on the subscriber information. The model generation unit 17 may generate a credit rating calculation model using all the parameters constituting the subscriber information, or generate a credit rating calculation model by appropriately selecting and using parameters according to the application as described later. May be good. Further, the model generation unit 17 may generate a plurality of credit rating calculation models for each use of credit rating. The generated credit rating calculation model is stored in the model DB 18. The method of model generation is not limited to a specific method, but statistical methods (discriminant analysis, logistic regression, decision tree, or a hybrid thereof, etc.), machine learning (neuro, support vector machine, random forest, ridge regression, etc.) ) And other conventionally available methods may be adopted. Details of the functions of the data processing unit 16 and the model generation unit 17 will be described later.

The model DB 18 is a database for storing a plurality of credit rating calculation models generated by the model generation unit 17. The credit rating calculation model stored in the model DB 18 is output to the credit rating calculation unit 19 in response to a request.

The credit rating calculation unit 19 calculates the credit rating of the one user by using the credit rating calculation model and the subscriber information of the one user. The credit rating calculation unit 19 calculates the credit rating of the user by applying the data processed by the data processing unit 16 to the generated credit rating calculation model. For example, the credit rating calculation unit 19 applies the parameter information of one or more of the subscriber information selected according to the application by the data processing unit 16 to the credit rating calculation model to obtain the credit rating of one user. Can be calculated. As described above, the credit rating calculation model may be a model generated by using all the parameter information constituting the subscriber information, or may be a model generated based on the parameter information selected according to the application. Therefore, in that case, it is necessary to select the subscriber information of one user applied to the credit rating calculation model according to the purpose according to the generated credit rating calculation model.

Further, the credit rating calculation unit 19 may calculate the credit rating by using the difference between the contract information of one user and the history information of the one user, depending on the data format used for generating the credit rating calculation model. Further, the credit rating calculation unit 19 may calculate the credit rating by using the contract information of one user as it is.

The credit rating output unit 20 outputs the credit rating calculated by the credit rating calculation unit 19 to the credit rating DB 21 and / or the provision condition determination unit 22. Further, the credit rating output unit 20 may display or print out the calculated credit rating according to the user's request. The credit rating DB 21 is a database for storing the credit rating calculated by the credit rating calculation unit 19 for each user.

The provision condition determination unit 22 determines the provision condition of the service given to one user based on the calculated credit rating. That is, when the user receives the provision of the predetermined service, the provision condition determination unit 22 can set the provision condition accompanying the provision of the predetermined service. For example, the provision condition determination unit 22 determines the credit amount given to the user as the provision condition when the user receives a loan. The credit amount is a usage amount that allows one user to request payment processing via a telecommunications carrier, but is not limited to this.

Further, the provision condition determination unit 22 may determine the number of installments of the installment payment, the repayment method, and the like when the loan is made as the provision condition. Further, the provision condition determination unit 22 may determine the point award rate as the service provision condition when the product purchase service is used by the user. The provision conditions may be gifts of goods, rank changes of rental goods, and the like.

In order to execute the above processing, the provision condition determination unit 22 stores in advance a correspondence table in which the credit rating and the service provision condition correspond to each other, and when determining the provision condition, the provision condition determination unit 22 refers to the correspondence table. , Determine the provision conditions corresponding to the calculated credit rating. The provision condition determination unit 22 may display or print out the determined service provision condition.

(Processing in the embodiment)
Hereinafter, as the process in the first embodiment, an example of the process of calculating the credit rating (FIG. 2) will be described.

As shown in FIG. 2, in the process of calculating the credit rating, the data acquisition unit 15 obtains the subscriber information of the user whose credit rating is to be calculated from the contract information DB 11, the location information DB 12, the communication history DB 13, and the service usage history DB 14. Acquire and store (step S1). The subscriber information stored by the data acquisition unit 15 is sent to the data processing unit 16. The data acquisition unit 15 may acquire subscriber information on a regular basis.

Subsequently, the data processing unit 16 processes (converts) the acquired subscriber information into a data format for model generation (step S2). The data processing unit 16 can process the subscriber information according to the credit rating calculation model so that it can be applied to one credit rating calculation model selected according to the purpose of use of the credit rating.

Subsequently, the credit rating calculation unit 19 acquires the generated credit rating calculation model from the model DB 18 and applies the data processed by the data processing unit 16 to the model to calculate the credit rating of the target user (step S3). ).

In the present embodiment, the credit rating calculation model is generated in advance by the model generation unit 17. FIG. 3 is a diagram for explaining an example of model generation, and shows a table in which subscriber information is processed into explanatory variables and objective variables. In FIG. 3, the user identification information is used as a label, and the explanatory variables and the objective variables are arranged for each user. In the example of FIG. 3, "a1: age", "a2: contract period", and "a3: rate plan" are exemplified as specific explanatory variables. In the figure, "an: explanatory variable n" may be other subscriber information, information obtained by processing other subscriber information, or the like. The "credibility" may indicate the degree to which the user can be trusted from a certain viewpoint, and may be predetermined information obtained by processing the subscriber information. For example, the subscriber information itself such as the usage amount and the communication volume. It may be.

As an example, finding the coefficients of the following equation corresponds to model generation. The credit rating may be, for example, a score that quantifies the degree to which the user can be trusted.
Credit = a0 ＋ a1 ・ x1 ＋ a2 ・ x2 ＋ a3 ・ x3 ＋… ＋ an ・ xn
(X: variable, a1 to an: coefficient, a0: constant term (correction value))
Specifically, a model is generated by executing the following procedure.
Step 1: Prepare a set of explanatory variables and objective variables illustrated in FIG. 3 as a data set for model generation.
Step 2: Calculate the coefficients (a1 to an) using the method of least squares or the like.

For example, the model generation unit 17 may generate a credit rating calculation model based on the difference between the contract information and the history information in the subscriber information. As an example, the model generation unit 17 may generate a credit rating calculation model based on the difference between the information about the plan contracted by the user and the history information. For example, in the case of a rate plan in which a flat rate is applied if the usage is up to a predetermined usage amount, the difference between the predetermined usage amount and the actual usage amount may be used as an explanatory variable. In this case, the data processing unit 16 processes the subscriber information so as to derive the difference between the predetermined usage amount and the actual usage amount, and derives the explanatory variables.

Further, the model generation unit 17 may generate a credit rating model based on the difference (difference) between the user's address in the contract information and the user's address estimated from the position information of the user terminal. For example, if the address in the contract information does not match the presumed address, it is considered that the user has not notified the carrier that the address has changed. For example, a credit rating calculation model may be generated so that the credit rating of such a user is evaluated low.

Further, the model generation unit 17 may generate a credit rating calculation model by using the subscriber information according to the use of the credit rating. The model generation unit 17 can generate a credit rating calculation model for each of a plurality of uses. For example, the model generation unit 17 has a management table associating which parameter information of the subscriber information is used as the explanatory variable and the objective variable according to the purpose. The model generation unit 17 acquires information used as an explanatory variable and an objective variable from the subscriber information for each use, and generates a credit rating calculation model for each use.

For example, when the creditworthiness is used for a long-term loan such as a real estate loan, whether or not the user can obtain a stable income over a long period of time can be one of the criteria for determining the loan. For example, when the rate plan and delinquency history, which are one of the parameter information, are included in the explanatory variables, a credit rating calculation model is generated in which the credit rating of the user who has no delinquency in payment despite the high rate plan is high. obtain. In addition, the model generation unit 17 may receive the designation of the use at the time of model generation, acquire the parameter information corresponding to the use from the subscriber information, and generate the model based on the acquired parameter information.

In addition, when the use of creditworthiness is related to the settlement of low-priced products, the presence or absence of willingness to pay, the ability to manage money, etc. can be one criterion, not the presence or absence of stable income. For example, payment methods (direct debit, credit card, invoice) and delinquency history may be included in the explanatory variables. In this case, it is possible to generate a credit rating calculation model in which the credit rating of a user with low willingness to pay and money management ability is low.

In the example shown in FIG. 2, a credit rating calculation model is used in which the credit rating is calculated using the difference between the contract information and the location information, the communication history information, and the service usage history information as explanatory variables. Therefore, in step S2, the data processing unit 16 derives the difference between the contract information and the location information, the communication history information, and the service usage history information.

The credit rating calculated in step S3 can be output to the credit rating DB 21 and the provision condition determination unit 22 (step S4). Here, the credit rating output unit 20 stores the calculated credit rating in the credit rating DB 21 and outputs it to the provision condition determination unit 22. As an example, the provision condition determination unit 22 determines the service provision condition to be given to the user based on the creditworthiness of the user. For example, the provision condition determination unit 22 determines the credit amount, which is the usage amount that the user can request the payment processing via the telecommunications carrier, as the service provision condition.

As described above, the model generation unit 17 generates a credit rating calculation model for calculating the credit rating of the user based on the subscriber information acquired by the data acquisition unit 15. After that, the credit rating calculation unit 19 calculates the credit rating of the one user using the credit rating calculation model and the subscriber information of the one user. Since the credit rating calculation model is generated based on the subscriber information including the fee payment information, it is possible to reflect the credit rating of the subscriber in terms of money. Since the credit rating can be calculated using the subscriber information held in advance by the telecommunications carrier that provides the communication service, there is no need to newly input customer information to calculate the credit rating. In addition, since the subscriber information held by the telecommunications carrier contains a lot of information that seems to be irrelevant to the financial characteristics of the user, the creditworthiness of the user is calculated from a different viewpoint from the conventional method. It is expected.

Further, the model generation unit 17 can generate a credit rating calculation model based on the difference between the contract information and the history information among the subscriber information. In this case, the credit rating calculation unit 19 calculates the credit rating based on the difference between the contract information and the history information of one user. In general, a user makes a contract for a service after considering how much he / she will use the provided service. Therefore, the difference between the contract information and the history information reflects the characteristics such as the personality of the user. In particular, creditworthiness based on differences in information about charges can be an indicator of a user's thoughts on money.

In addition, the model generation unit 17 can generate a credit rating calculation model by using the subscriber information according to the use of the credit rating. The creditworthiness of one aspect of a user may differ from the creditworthiness of another aspect. By using the information according to the purpose, the credit rating according to the use can be generated. It should be noted that the use of credit rating and the information according to the use may not only be related or correlated at first glance, but may not be understood at first glance.

The provision condition determination unit 22 determines the provision condition of the service given to one user based on the credit rating. In particular, the provision condition determination unit 22 derives the credit amount given to one user as the provision condition based on the calculated credit rating. Since the provision conditions are determined based on the creditworthiness, the provision conditions can be stabilized at a certain level.

The subscriber information used for calculating the credit rating is not limited to the above example, and may be information other than the information listed as the subscriber information. For example, information about the user's family may be used. In this case, information on whether or not the user and the user's family are receiving a specific service because they are a family may be used.

The block diagram used in the description of the above embodiment shows a block of functional units. These functional blocks (components) are realized by any combination of hardware and / or software. Further, the means for realizing each functional block is not particularly limited. That is, each functional block may be realized by one physically and / or logically coupled device, or directly and / or indirectly by two or more physically and / or logically separated devices. (For example, wired and / or wireless) may be connected and realized by these a plurality of devices.

For example, the server 10 in the above embodiment may function as a computer that performs the processing of the above-mentioned server 10. FIG. 4 is a diagram showing an example of the hardware configuration of the server 10. The server 10 described above may be physically configured as a computer device including a processor 1001, a memory 1002, a storage 1003, a communication device 1004, an input device 1005, an output device 1006, a bus 1007, and the like.

In the following description, the word "device" can be read as a circuit, a device, a unit, or the like. The hardware configuration of the server 10 may be configured to include one or more of the devices shown in the figure, or may be configured not to include some of the devices.

For each function in the server 10, by loading predetermined software (program) on hardware such as the processor 1001 and the memory 1002, the processor 1001 performs an calculation, and communication by the communication device 1004 and communication in the memory 1002 and the storage 1003 are performed. It is realized by controlling the reading and / or writing of data.

Processor 1001 operates, for example, an operating system to control the entire computer. The processor 1001 may be composed of a central processing unit (CPU) including an interface with a peripheral device, a control device, an arithmetic unit, a register, and the like. For example, each functional unit of the server 10 may be realized including the processor 1001.

Further, the processor 1001 reads a program (program code), a software module, and data from the storage 1003 and / or the communication device 1004 into the memory 1002, and executes various processes according to these. As the program, a program that causes a computer to execute at least a part of the operations described in the above-described embodiment is used. For example, each functional unit of the server 10 may be stored in the memory 1002 and realized by a control program operating in the processor 1001, and other functional blocks may be realized in the same manner. Although it has been described that the various processes described above are executed by one processor 1001, they may be executed simultaneously or sequentially by two or more processors 1001. Processor 1001 may be mounted on one or more chips. The program may be transmitted from the network via a telecommunication line.

The memory 1002 is a computer-readable recording medium, and is composed of at least one such as a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EPROM (Electrically Erasable Programmable ROM), and a RAM (Random Access Memory). May be done. The memory 1002 may be referred to as a register, a cache, a main memory (main storage device), or the like. The memory 1002 can store a program (program code), a software module, or the like that can be executed to carry out the method according to the embodiment of the present invention.

The storage 1003 is a computer-readable recording medium, for example, an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, an optical magnetic disk (for example, a compact disk, a digital versatile disk, a Blu-ray). It may consist of at least one (registered trademark) disk), smart card, flash memory (eg, card, stick, key drive), floppy (registered trademark) disk, magnetic strip, and the like. The storage 1003 may be referred to as an auxiliary storage device. The storage medium described above may be, for example, a database, server or other suitable medium containing memory 1002 and / or storage 1003.

The communication device 1004 is hardware (transmission / reception device) for performing communication between computers via a wired and / or wireless network, and is also referred to as, for example, a network device, a network controller, a network card, a communication module, or the like. For example, each functional unit of the server 10 described above may be realized by including the communication device 1004.

The input device 1005 is an input device (for example, a keyboard, a mouse, a microphone, a switch, a button, a sensor, etc.) that receives an input from the outside. The output device 1006 is an output device (for example, a display, a speaker, an LED lamp, etc.) that outputs to the outside. The input device 1005 and the output device 1006 may have an integrated configuration (for example, a touch panel).

Further, each device such as the processor 1001 and the memory 1002 is connected by a bus 1007 for communicating information. Bus 1007 may be composed of a single bus, or may be composed of different buses between devices.

Further, the server 10 includes hardware such as a microprocessor, a digital signal processor (DSP: Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). The hardware may realize a part or all of each functional block. For example, processor 1001 may be implemented on at least one of these hardware.

Although the present embodiment has been described in detail above, it is clear to those skilled in the art that the present embodiment is not limited to the embodiment described in the present specification. This embodiment can be implemented as a modified or modified mode without departing from the spirit and scope of the present invention determined by the description of the claims. Therefore, the description of the present specification is for the purpose of exemplifying explanation, and does not have any restrictive meaning to the present embodiment.

The order of the processing procedures, sequences, flowcharts, etc. of each aspect / embodiment described in the present specification may be changed as long as there is no contradiction. For example, the methods described herein present elements of various steps in an exemplary order, and are not limited to the particular order presented.

The input / output information and the like may be stored in a specific location (for example, a memory), or may be managed by a management table. Input / output information and the like can be overwritten, updated, or added. The output information and the like may be deleted. The input information and the like may be transmitted to another device.

The determination may be made by a value represented by 1 bit (0 or 1), by a boolean value (Boolean: true or false), or by comparing numerical values (for example, a predetermined value). It may be done by comparison with the value).

Each aspect / embodiment described in the present specification may be used alone, in combination, or switched with execution. Further, the notification of predetermined information (for example, the notification of "being X") is not limited to the explicit one, but is performed implicitly (for example, the notification of the predetermined information is not performed). May be good.

Software, whether referred to as software, firmware, middleware, microcode, hardware description language, or by any other name, is an instruction, instruction set, code, code segment, program code, program, subprogram, software module. , Applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, features, etc. should be broadly interpreted.

Further, software, instructions, and the like may be transmitted and received via a transmission medium. For example, the software uses wired technology such as coaxial cable, fiber optic cable, twisted pair and digital subscriber line (DSL) and / or wireless technology such as infrared, wireless and microwave to websites, servers, or other When transmitted from a remote source, these wired and / or wireless technologies are included within the definition of transmission medium.

The information, signals, etc. described herein may be represented using any of a variety of different techniques. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description are voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, light fields or photons, or any of these. It may be represented by a combination of.

Further, the information, parameters, etc. described in the present specification may be represented by an absolute value, a relative value from a predetermined value, or another corresponding information. ..

Mobile communication terminals may be subscriber stations, mobile units, subscriber units, wireless units, remote units, mobile devices, wireless devices, wireless communication devices, remote devices, mobile subscriber stations, access terminals, mobile terminals, etc. It may also be referred to as a wireless terminal, remote terminal, handset, user agent, mobile client, client, or some other suitable term.

The terms "determining" and "determining" as used herein may include a wide variety of actions. "Judgment" and "decision" are, for example, judgment, calculation, computing, processing, deriving, investigating, looking up (for example, table). , Searching in a database or another data structure), ascertaining can be considered as a "judgment" or "decision". Also, "judgment" and "decision" are receiving (for example, receiving information), transmitting (for example, transmitting information), input (input), output (output), and access. (Accessing) (for example, accessing data in memory) may be regarded as "judgment" or "decision". In addition, "judgment" and "decision" mean that the things such as solving, selecting, choosing, establishing, and comparing are regarded as "judgment" and "decision". Can include. That is, "judgment" and "decision" may include considering some action as "judgment" and "decision".

The phrase "based on" as used herein does not mean "based on" unless otherwise stated. In other words, the statement "based on" means both "based only" and "at least based on".

As long as "include", "including", and variations thereof are used within the scope of this specification or claims, these terms are similar to the term "comprising". Is intended to be inclusive. Furthermore, the term "or" as used herein or in the claims is intended not to be an exclusive OR.

In the present specification, a plurality of devices shall be included unless the device is clearly present in only one context or technically. In the whole of the present disclosure, if the context clearly does not indicate the singular, it shall include the plural.

10 ... server (information processing device), 15 ... data acquisition unit (storage unit), 17 ... model generation unit, 19 ... credit rating calculation unit (calculation unit), 22 ... provision condition determination unit, 1001 ... processor, 1002 ... memory, 1003 ... storage, 1004 ... communication device, 1005 ... input device, 1006 ... output device, 1007 ... bus.

Claims (6)

A storage unit that stores subscriber information including fee payment information related to the fee payment of users who subscribe to the communication service provided by the telecommunications carrier for each user.
A model generation unit that generates a credit rating calculation model for calculating the credit rating of the user based on the subscriber information.
It is provided with a calculation unit for calculating the credit rating of the one user using the credit rating calculation model and the subscriber information of the one user .
The subscriber information includes contract information indicating the contract contents applied by the user at the time of contract and history information indicating the operation history of the user terminal.
The model generation unit generates the credit rating calculation model based on the difference between the contract information and the history information among the subscriber information.
The calculating unit, the credit calculation model, and, you calculate the credibility of the one user using the difference between the contract information and the history information of the one user, the information processing apparatus. The information processing device according to claim 1, wherein the model generation unit generates a credit rating calculation model using information according to the use of the credit rating among the subscriber information. The information processing apparatus according to claim 1 or 2, further comprising a provision condition determination unit that determines a provision condition of a service given to the one user based on the credit rating calculated by the calculation unit. The information processing device according to claim 3, wherein the provision condition determination unit calculates the credit amount given to the one user as the provision condition based on the calculated credit rating. The information processing device according to claim 4, wherein the credit amount is a usage amount that allows the one user to request payment processing via the telecommunications carrier. A credit calculation method executed by an information processing device.
A step of storing subscriber information for each user, including fee payment information related to the fee payment of a user who subscribes to a communication service provided by a telecommunications carrier.
A step of generating a credit rating calculation model for calculating the credit rating of the user based on the subscriber information, and
A step of calculating the credit rating of the one user by using the credit rating calculation model and the subscriber information of the one user is provided.
The subscriber information includes contract information indicating the contract contents applied by the user at the time of contract and history information indicating the operation history of the user terminal.
In the step of generating the credit rating calculation model, the credit rating calculation model is generated based on the difference between the contract information and the history information in the subscriber information.
Step, the credit calculation model, and, using said difference between said contract information and the history information of the one user you calculate the credibility of the one user, credit calculation method for calculating the credit.

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