JP6991082B2 - Information processing equipment - Google Patents

Description

The present invention relates to a technique for lending and borrowing value information between users.

When a user purchases or uses a service or product, a mechanism for giving the user electronic value information called points is widespread. Patent Document 1 discloses a technique for exchanging points of different issuers between users.

JP-A-2010-191745

By the way, even during the period when a certain user does not actively use the points, the points can be lent to other users who plan to use the points so that the points can be effectively used. It would be convenient to do so.

The present invention has been made in view of such a background, and an object of the present invention is to provide a mechanism by which a point owned by a certain user can be used by another user.

In order to solve the above-mentioned problems, the present invention has a grant history acquisition unit for acquiring the grant history of value information for each user, and a loan condition for acquiring a loan condition including a loan amount of value information lent by the first user. An acquisition unit, an extraction unit for extracting a second user having a grant history to which value information corresponding to the loan amount included in the acquired loan condition is given, and an extracted value by the second user. Provided is an information processing apparatus including a calculation unit for calculating the creditworthiness of information repayment and a presentation unit for presenting the calculated information including the creditworthiness of the second user to the first user. ..

The lending condition includes a lending period of value information, and the extracting unit extracts the second user who has a history of being given value information corresponding to the lending amount in the period corresponding to the lending period. You may do it.

The calculation unit calculates the creditworthiness of the repayment of the value information by the second user based on at least one of the timing, amount, and reason for granting the value information to the second user. You may.

The calculation unit may calculate the creditworthiness of the repayment of the value information of the second user based on the repayment history of the second user.

The calculation unit may calculate the creditworthiness of the repayment of the value information of the second user based on the usage history of the value information by the second user.

The calculation unit may calculate the creditworthiness of the repayment of the value information by the second user with respect to the borrowing condition of the second user.

The interest rate calculation unit for calculating the interest rate according to the value information lent by the first user is provided, and the presentation unit transfers the interest rate calculated by the interest rate calculation unit to the first user and the second user. It may be presented.

The interest rate calculation unit calculates the interest rate according to the value information lent by the first user based on the history of lending and borrowing the value information determined between the first user and the second user. The presenting unit may present the interest rate calculated by the interest rate calculation unit to the first user and the second user.

When the value information is given to the second user after lending the value information, the value information held by the first user is updated without updating the value information held by the second user. It may be provided with an update unit.

According to the present invention, the points owned by one user can be used by another user.

It is a figure which illustrates the structure of the information processing system which concerns on one Embodiment of this invention. It is a block diagram which shows an example of the hardware composition of a user terminal. It is a block diagram which shows an example of the hardware composition of an information processing apparatus. It is a figure which shows an example of the point grant history database stored in an information processing apparatus. It is a figure which shows an example of the point lending history database stored in an information processing apparatus. It is a figure which shows an example of the repayment history database stored in an information processing apparatus. It is a figure which shows an example of the credit degree database stored in an information processing apparatus. It is a block diagram which shows an example of the functional structure of an information processing apparatus. It is a sequence chart which shows an example of the operation of an information processing system.

[Constitution]
FIG. 1 is a diagram illustrating the configuration of the information processing system 1 of the present embodiment. The information processing system 1 communicates with an information processing device 10 that performs processing related to lending and borrowing value information called points given to the user, a user terminal 20 used by the user, and the information processing device 10 and the user terminal 20. It is equipped with a network 90 that can be connected to the network 90. The network 90 is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network), or a combination thereof, and includes a wired section or a wireless section. The number of the information processing apparatus 10 and the user terminal 20 shown in FIG. 1 is an example.

FIG. 2 is a diagram illustrating a hardware configuration of the user terminal 20. The user terminal 20 is typically a mobile computer such as a smartphone or tablet, but is not limited to this, and may be, for example, a personal computer such as a notebook or a desktop type, or a wearable computer such as a glass type or a head-mounted display type. You may.

The user terminal 20 has a CPU 201 (Central Processing Unit), a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, an auxiliary storage device 204, a communication IF 205, a display unit 206, and an operation unit 207.

The CPU 201 is a processor that performs various operations. The ROM 202 is, for example, a non-volatile memory that stores programs and data used for starting the user terminal 20. The RAM 203 is a volatile memory that functions as a work area when the CPU 201 executes a program. The auxiliary storage device 204 is a non-volatile storage device such as an HDD (Hard Disk Drive) or an SSD (Solid State Drive), and stores programs and data used in the user terminal 20. When the CPU 201 executes this program, the user terminal 20 functions as a computer device. The communication IF 205 is an interface for performing communication via the network 90 in accordance with a predetermined communication standard. This communication standard may be a wireless communication standard or a wired communication standard. In the case of wireless, the communication IF 205 includes an antenna and a communication circuit that operate according to a communication standard such as LTE (Long Term Evolution) or Wi-Fi (registered trademark). The display unit 206 includes, for example, a liquid crystal panel and a liquid crystal drive circuit, and displays an image according to the image data. The operation unit 207 includes an operator such as a key or a touch sensor, receives an operation of the user, and supplies a signal corresponding to the operation to the CPU 201. In addition to the configuration illustrated in FIG. 2, the user terminal 20 may include other configurations such as a GPS (Global Positioning System) unit and an audio input / output unit.

FIG. 3 is a diagram illustrating a hardware configuration of the information processing apparatus 10. The information processing device 10 is a computer device having a CPU 101, a ROM 102, a RAM 103, an auxiliary storage device 104, and a communication IF 105. The CPU 101 is a processor that performs various operations. The ROM 102 is a non-volatile memory that stores, for example, a program and data used for starting the information processing apparatus 10. The RAM 103 is a volatile memory that functions as a work area when the CPU 101 executes a program. The auxiliary storage device 104 is a non-volatile storage device such as an HDD or SSD, and stores programs and data used in the information processing device 10. When the CPU 101 executes this program, the function shown in FIG. 7 described later is realized. The communication IF 105 is an interface for performing communication via the network 90 in accordance with a predetermined communication standard. The information processing apparatus 10 may include other configurations such as a display unit and an operation unit in addition to the configurations illustrated in FIG.

The auxiliary storage device 104 stores a point grant history database (hereinafter, the database is abbreviated as DB) including information regarding the point grant history for each user, as illustrated in FIG. In this point grant history DB, for example, a user ID for identifying a user, the total amount of points that the user currently has (the magnitude of the value indicated by the points), and points in the past for that user are given. Includes the date and time of grant, the reason for grant, the amount of points granted, and the expiration date. In the example of FIG. 4, for example, the points held by the user with the user ID "U001" are 1500 points, and 20 points (use) for the monthly payment as consideration for a certain service on January 25, 2018. The deadline is March 25, 2018) is shown to have been granted. These grant histories are notified from the user terminal 20 to the information processing apparatus 10 at the time of point grant, or from a dedicated device (not shown) that notifies the user terminal 20 of the grant of points. It is stored in this point grant history DB, for example, by being notified to.

Further, the auxiliary storage device 104 stores a point lending / borrowing history DB including information on the lending / borrowing history of points between users as illustrated in FIG. This point loan history DB is, for example, a lender user ID of a user who becomes a lender, a borrower user ID of a user who becomes a borrower, a loan amount of points in the loan, a loan date, a loan period, and a loan. Including interest rate. In the example of FIG. 5, for example, the user with the lender user ID “U001” lent 2000 points to the user with the borrower user ID “U002” for 60 days from February 25, 2018 at a loan interest rate of 2.50%. It is shown that. In this case, the user with the borrower user ID "U002" will repay 2000 x 1.025% = 2050 points (at the time when 60 days have passed) from February 25, 2018 to the time when 60 days have passed. ..

Further, the auxiliary storage device 104 stores a repayment history DB including information on the repayment history of the user who is the borrower, as illustrated in FIG. This repayment history DB includes a borrower user ID of a user who becomes a borrower, a repayment date and time of points, an amount of points repaid, and a lender user ID of a user who becomes a lender. In the example of FIG. 6, for example, it is shown that the user of the borrower user ID "U002" has repaid 1000 points to the user of the lender user ID "U003" on January 25, 2017.

Further, the auxiliary storage device 104 stores a credit rating DB as illustrated in FIG. 7. This credit rating means the possibility that each user borrows points and repays them (that is, the amount of credit of the user in borrowing points). In the example of FIG. 7, for example, the credit rating of the user with the user ID "U001" is "95" (up to 100 is the upper limit). This credit rating is calculated for each user based on the point grant history illustrated in FIG. 4, and is stored in this credit rating DB.

FIG. 8 is a block diagram showing an example of the functional configuration of the information processing apparatus 10. The grant history acquisition unit 11 acquires the grant history of points for each user and stores it in the point grant history DB. As described above, this grant history is notified from the user terminal 20 to the information processing apparatus 10 at the time of point grant, or from a dedicated device (not shown) that notifies the user terminal 20 of the grant of points. It is stored in this point grant history DB, for example, by notifying the information processing apparatus 10.

The lending condition acquisition unit 12 acquires the lending conditions of the points lent by the user who becomes the lender (referred to as the first user). This lending condition is specified by, for example, a user who is a lender. The loan conditions include, for example, the amount of points to be lent, the expiration date thereof, the loan period, the loan period, the loan interest rate, and the like.

The extraction unit 13 refers to the point grant history DB, and extracts a user (referred to as a second user) having a point grant history according to the loan condition acquired by the loan condition acquisition unit 12. Specifically, the extraction unit 13 extracts a second user who has a history of granting points corresponding to the loan amount during the period corresponding to the loan period.

The calculation unit 14 calculates the creditworthiness of the repayment of points by the second user. At this time, the calculation unit 14 calculates the creditworthiness of the repayment of points by the second user based on at least one of the timing, amount, and reason for granting points to the second user.

Specific examples of credit rating calculation are as follows. First, in the point grant history DB, when points are granted periodically and the reason for granting points is the granting of points for regular expenditure such as monthly payment (for example, the threshold value or more in a certain period). Higher credit rating is calculated compared to the case where points are not given regularly (when points are given for the number of times and regular spending). In addition, the greater the amount of points awarded on a regular basis, the higher this credit rating. In addition, even if the reason for giving points is a sudden or irregular reason for giving points, such as giving points for campaign registration, such sudden or irregular points are given frequently based on the past grant history. If it occurs (for example, above the threshold in a certain period), a higher credit rating is calculated than if it does not occur. In order to make such a judgment possible, a classification rule is set in advance as to whether or not the reason for granting stored in the point granting history DB corresponds to periodical point granting, and the calculation unit 14 determines. , Make the above judgment according to the rule. In this way, the calculation unit 14 calculates the creditworthiness so that the creditworthiness of the user who is stably and continuously given points is high.

The presentation unit 15 presents information including the creditworthiness of the second user calculated by the calculation unit 14 to the first user.

[motion]
An operation example of the information processing system 1 will be described with reference to FIG. By the time the process shown in FIG. 9 is started, it is assumed that the credit rating calculated for each user based on the point grant history is stored in the credit rating DB as described above. In FIG. 9, the user who holds the points (first user) does not intend to use his / her points by, for example, the expiration date, so he / she lends them to someone to use them on his / her behalf. When he / she wants to do so, he / she operates his / her own user terminal 20 to start a predetermined program. This activation notification is transmitted from the user terminal 20 to the information processing apparatus 10 (step S11). The information processing apparatus 10 transmits data for displaying a screen for inputting the loan conditions of points to the user terminal 20 of the first user (step S12).

The first user inputs the loan condition with reference to the screen displayed on the user terminal 20. This lending condition includes, for example, the amount of points that the first user wants to lend, the expiration date of the points, the lending period, the lending period, the expected lending interest rate, and the like. At this time, the loan period is shorter than the period from the present time to the expiration date. When the user terminal 20 accepts the operation of inputting the loan condition (step S13), the user terminal 20 transmits the input loan condition to the information processing apparatus 10 (step S14). The loan condition acquisition unit 12 of the information processing apparatus 10 acquires the loan condition.

In the information processing apparatus 10, the extraction unit 13 identifies (extracts) a user (second user) who is a candidate for borrowing points owned by the first user (step S15). Specifically, the extraction unit 13 extracts a second user having a grant history in which points corresponding to the loan amount included in the loan condition are granted in the period corresponding to the loan period included in the loan condition. List. For example, when the loan amount is 100 points and the loan period is one month, users who have a grant history of 100 points equivalent to the loan amount in the past one month are extracted and listed. In the grant history granted during the past month at this time, the reason for grant is not considered, and only whether or not points equivalent to the loan amount have been granted is determined. This list contains the user ID and creditworthiness of each user (second user). As described above, this credit rating is calculated based on the point grant history for each user, and the more the user is stably and continuously granted points, the higher the credit rating. By this step S15, the users who are considered to be able to repay the points to be lent are extracted within the lending period designated by the first user.

When the borrowing candidate user is specified, the presentation unit 15 generates presentation information including the above list, transmits the presentation information to the user terminal 20 of the first user, and displays the presentation information to present the presentation information ( Step S16).

When the first user refers to the displayed presentation information and selects a user who wants to borrow the credit rating that he / she can tolerate from the presented list, the user terminal 20 of the first user accepts this selection operation (step S17). ), The user ID of the selected user is transmitted to the information processing apparatus 10 (step S18).

In the information processing apparatus 10, the presentation unit 15 generates presentation information for the selected user (second user) (step S19). This presented information includes the amount of points held by the first user and to be lent, the expiration date, the loan period, the loan period, the loan interest rate, and the like. The presentation unit 15 presents the presentation information by transmitting and displaying the presentation information to the user terminal 20 of the second user (step S20).

The second user refers to the presentation information displayed on his / her own user terminal 20, and performs an operation in which he / she wishes to lend / borrow points. When the user terminal 20 of the second user accepts this operation (step S21), it transmits to that effect to the information processing apparatus 10 (step S22).

In the information processing apparatus 10, the loan history DB is updated in response to the above notification (step S23). That is, the lender user ID of the user who becomes the lender, the borrower user ID of the user who becomes the borrower, the loan amount of the points in the loan, the loan date, the loan period, and the loan interest rate are the loan history DB. Stored in. Then, the presentation unit 15 notifies the user terminal 20 of the first user and the user terminal 20 of the second user that the point lending procedure has been completed (steps S24 and S25). This completes the lending and borrowing of points. After that, when the second user performs a procedure for repayment of the points borrowed from the points owned by the second user, the repayment history DB is updated accordingly. That is, the borrower user ID of the second user who becomes the borrower, the repayment date and time of the points, the amount of the repayment points, and the lender user ID of the first user who becomes the lender are stored.

According to the embodiment described above, the credit rating is calculated by estimating the future point grant amount and grant timing for the user based on the point grant history of the user. Since the credit rating is calculated based on the user's point grant history in this way, the credit rating is calculated even for users who have never borrowed or repaid points, compared to the case where the credit rating is calculated based on the point repayment history, for example. It has the advantage of being able to be calculated. Then, the user who wants to lend the points can select which user to lend based on the creditworthiness of each user. As a result, the points owned by one user can be used by another user.

[Modification example]
The present invention is not limited to the embodiments described above. The above-described embodiment may be modified as follows. Further, the following two or more modified examples may be combined and carried out.

[Modification 1]
In the embodiment, the lending condition includes the lending amount of points and the lending period, and the extraction unit 13 extracts the second user who has a history of granting points corresponding to the lending amount in the period corresponding to the lending period. However, it is not always necessary to use the loan period at this time. That is, the lending condition includes the lending amount of points, and the extraction unit 13 may extract a second user having a grant history to which points corresponding to the lending amount have been granted.

[Modification 2]
The method of calculating the credit rating is not limited to the example of the embodiment. For example, the calculation unit 14 may calculate the credit rating for the repayment of the points of the second user based on the repayment history of the second user. For example, the higher the number of repayments completed by the second user in the past (number of repayments), the higher the credit rating may be, and the amount of points the second user has completed repayments in the past (payment amount). The higher the number, the higher the credit rating. Further, the credit rating may be higher as the time when the second user has completed the repayment in the past is closer to the present time.

Further, the calculation unit 14 may calculate the credit rating regarding the repayment of the points of the second user based on the usage history of the points by the second user. For example, the higher the number of points used by the second user in the past, the higher the credit rating, or the larger the amount of points used by the second user in the past, the higher the credit rating. Further, the credit rating may be higher as the time when the second user has used the points in the past is closer to the present time. This is because users who often use points have a better understanding of the meaning of points, repayment obligations, handling when repayments have not been made, and so on, and therefore it is considered that the credibility of points repayment is high.

Further, the credit rating may be calculated for the borrowing conditions of each second user. Specifically, each of the second users presents a borrowing condition including the amount of points desired to be borrowed and the borrowing period, and the calculation unit 14 calculates the creditworthiness for the repayment under the borrowing condition. Then, the presentation unit 15 lists and presents the borrowing conditions including the amount of points desired to be borrowed and the borrowing period and the creditworthiness for the borrowing condition to the first user. The first user determines a user to be a borrower from the list. In this way, the calculation unit 14 calculates the creditworthiness of the repayment of points by the second user with respect to the borrowing condition of the second user. For example, for a borrowing condition a in which the borrowing amount is 100 points and the borrowing period is one month, a user A who has a grant history in which 200 points have been granted in the past one month and a grant history in which 100 points have been granted in the past two months. Consider a user B. In this case, User A has been granted 200 points on average for the past month and exceeds the borrowed dose of 100 points, whereas User B has been granted 50 points on average for the past month and has a borrowed dose of 100 points. Since it is less than the points, the creditworthiness of the user A is higher than the creditworthiness of the user B for this borrowing condition. On the other hand, regarding the borrowing condition b in which the borrowing amount is 10 points and the borrowing period is one month, the above-mentioned user A and user B are considered. In this case, since the average amount of points granted for the past month exceeds 100 points for any user, the creditworthiness of user A and the creditworthiness of user B are almost the same, or user A with respect to the borrowing condition b. The difference between the creditworthiness of the user B and the creditworthiness of the user B is smaller than the difference between the creditworthiness of the user A and the creditworthiness of the user B with respect to the borrowing condition a.

[Modification 3]
In the embodiment, the loan interest rate expected by the first user is presented to the second user, but the loan interest rate according to the points lent by the first user is presented to the first user and the second user. You may try to do so. The lending interest rate according to the points lent by the first user is, for example, a higher interest rate as the amount of points to be lent is larger, or a higher interest rate as the lending period of the points to be lent is longer. In this case, the information processing apparatus 10 includes an interest rate calculation unit as a function realized by the CPU 101 executing a program. The interest rate calculation unit calculates the loan interest rate from the loan conditions (amount of points desired to be loaned, expiration date of the points, loan period, loan period, etc.) entered by the first user and these loan conditions. The loan interest rate is calculated based on the rules predetermined by the administrator. The presentation unit 15 presents the loan interest rate calculated by the interest rate calculation unit to the first user and the second user. When the first user and the second user refer to the loan interest rate displayed on their own user terminal 20 and perform an operation of accepting the loan interest rate, each user terminal 20 responds to the operation. That is transmitted to the information processing device 10. As a result, the loan interest rate is fixed. If the first user or the second user does not accept the displayed loan interest rate, the first user and the second user use their respective user terminals 20 and the loan interest rate via the information processing device 10. Can be negotiated. This negotiation is performed by the information processing apparatus 10 presenting a message input by the first user and the second user to its own user terminal 20 to the other user terminal 20. The loan interest rate determined by such negotiations is fixed as the loan conditions.

Further, the interest rate calculation unit does not calculate the loan interest rate according to the points lent by the first user by using a rule predetermined by the administrator or the like in order to calculate the loan interest rate, but the first user. And, based on the history of lending and borrowing points determined between the second users, the lending interest rate according to the points lent by the first user may be calculated. Specifically, the interest rate calculation unit learns the relationship between, for example, the amount of points to be lent, the loan period, and the loan interest rate based on the past loan history between users, and the unit period of the minimum unit points (for example, one day). ) Is set as the standard. Then, the interest rate calculation unit calculates the interest rate according to the points lent by the first user using this standard. The presentation unit 15 presents the loan interest rate calculated by the interest rate calculation unit to the first user and the second user, as in the case described above.

[Modification 4]
Until the repayment of the lent points is completed during the point lending period, each time the points are given to the second user who borrowed the points, the information processing apparatus 10 transfers the given points to the second user. The information processing device itself collects the information without giving it to the user, and holds it as a repayment point for the first user. Then, when the collection of all the lent points is completed, each database is updated so that the points can be repaid to the first user. That is, when the points are given to the second user after the points are lent, the information processing apparatus 10 updates the points held by the first user without updating the points held by the second user. It may be provided with an update unit.

[Modification 5]
The name of the value information is not limited to "points", and any electronic value information may be used.

[Other variants]
The block diagram used in the description of the above embodiment shows a block of functional units. These functional blocks (components) are realized by any combination of hardware and / or software. Further, the means for realizing each functional block is not particularly limited. That is, each functional block may be realized by one physically and / or logically coupled device, or directly and / or indirectly by two or more physically and / or logically separated devices. (For example, wired and / or wireless) may be connected and realized by these plurality of devices. For example, at least a part of the functions of the information processing apparatus 10 may be implemented in the user terminal 20. When all the functions of the information processing apparatus 10 are mounted on the user terminal 20, the user terminal 20 functions as the information processing apparatus according to the present invention.

Each aspect / embodiment described herein includes LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G, 5G, FRA (Future Radio Access), W-CDMA. (Registered Trademarks), GSM (Registered Trademarks), CDMA2000, UMB (Ultra Mobile Broadband), IEEE 802.11 (Wi-Fi), IEEE 802.16 (WiMAX), IEEE 802.20, UWB (Ultra-WideBand), It may be applied to Bluetooth®, other systems that utilize suitable systems and / or next-generation systems that are extended based on them.

The processing procedures, sequences, flowcharts, and the like of each aspect / embodiment described in the present specification may be rearranged in order as long as there is no contradiction. For example, the methods described herein present elements of various steps in an exemplary order and are not limited to the particular order presented.
Each aspect / embodiment described in the present specification may be used alone, in combination, or may be switched and used according to the execution. Further, the notification of predetermined information (for example, the notification of "being X") is not limited to the explicit one, but is performed implicitly (for example, the notification of the predetermined information is not performed). May be good.

The terms "system" and "network" used herein are used interchangeably.

The information or parameters described herein may be represented by absolute values, relative values from a given quantity, or other corresponding information. For example, the radio resource may be indexed.

The names used for the parameters mentioned above are not limited in any way. Further, mathematical formulas and the like using these parameters may differ from those expressly disclosed herein. Since the various channels (eg, PUCCH, PDCCH, etc.) and information elements (eg, TPC, etc.) can be identified by any suitable name, the various names assigned to these various channels and information elements are in any respect. However, it is not limited.

As used herein, the terms "determining" and "determining" 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 regarded as "judgment" or "decision". Further, "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 a memory) may be regarded as "determination" or "decision". In addition, "judgment" and "decision" are considered to be "judgment" and "decision" when they are resolved, selected, selected, established, and compared. Can include. That is, the "judgment" and "decision" may include the fact that some operation is regarded as "judgment" and "decision".

The present invention may be provided as an information processing method including steps of processing performed in the information processing apparatus 10. Further, the present invention may be provided as a program executed by the information processing apparatus 10. Such a program may be provided in the form of being recorded on a recording medium such as an optical disk, or may be provided in the form of being downloaded to a computer via a network such as the Internet and installed and made available. It is possible.

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

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

The terms described herein and / or the terms necessary for understanding the present specification may be replaced with terms having the same or similar meanings. For example, the channel and / or symbol may be a signal. Also, the signal may be a message. Further, the component carrier (CC) may be referred to as a carrier frequency, a cell, or the like.

Any reference to elements using designations such as "first", "second" as used herein does not generally limit the quantity or order of those elements. These designations can be used herein as a convenient way to distinguish between two or more elements. Thus, references to the first and second elements do not mean that only two elements can be adopted there, or that the first element must somehow precede the second element.

The "means" in the configuration of each of the above devices may be replaced with a "part", a "circuit", a "device" and the like.

As long as "inclusion", "comprising", and variations thereof are used herein or within the scope of the claims, these terms are as comprehensive as the term "comprising". Intended to be targeted. Furthermore, the term "or" as used herein or in the claims is intended to be non-exclusive.

Throughout this disclosure, if articles are added by translation, for example, a, an, and the in English, these articles are not explicitly indicated by the context to be otherwise. It shall include more than one.

Although the present invention has been described in detail above, it is clear to those skilled in the art that the present invention is not limited to the embodiments described in the present specification. The present invention can be implemented as modifications and modifications without departing from the spirit and scope of the present invention as determined by the description of the scope of claims. Therefore, the description of the present specification is for the purpose of illustration and does not have any limiting meaning to the present invention.

1 ... Information processing system, 10 ... Information processing device, 11 ... Grant history acquisition unit, 12 ... Loan condition acquisition unit, 13 ... Extraction unit, 14 ... Calculation unit, 15 ... Presentation unit, 20 ... User terminal, 90 ... Network, 101 ... CPU, 102 ... RAM, 103 ... ROM, 104 ... Auxiliary storage device, 105 ... Communication IF, 201 ... CPU, 202 ... RAM, 203 ... ROM, 204 ... Auxiliary storage device, 205 ... Communication IF, 206 ... Display unit , 207 ... Operation unit.

Claims (9)

The grant history acquisition unit that acquires the grant history of value information for each user,
The loan condition acquisition unit that acquires the loan condition including the loan amount of the value information lent by the first user,
An extraction unit that extracts a second user who has a grant history to which value information corresponding to the loan amount included in the acquired loan condition is given, and an extraction unit.
A calculation unit that calculates the creditworthiness of the extracted value information repayment by the second user,
An information processing apparatus including a presentation unit that presents the calculated information including the credit rating of the second user to the first user. The loan conditions include the loan period of value information.
The information processing apparatus according to claim 1 , wherein the extraction unit extracts the second user who has a history of granting value information corresponding to the loan amount in the period corresponding to the loan period. The calculation unit calculates the creditworthiness of the repayment of the value information by the second user based on at least one of the timing, amount, and reason for granting the value information to the second user. The information processing apparatus according to claim 1 or 2 . The calculation unit is described in any one of claims 1 to 3 , wherein the calculation unit calculates the creditworthiness of the repayment of the value information of the second user based on the repayment history of the second user. Information processing equipment. One of claims 1 to 4 , wherein the calculation unit calculates the creditworthiness of the repayment of the value information of the second user based on the usage history of the value information by the second user. The information processing device described in. The calculation unit is described in any one of claims 1 to 5 , wherein the calculation unit calculates the creditworthiness of the repayment of the value information by the second user with respect to the borrowing condition of the second user. Information processing equipment. It is provided with an interest rate calculation unit that calculates an interest rate according to the value information lent by the first user.
The information processing apparatus according to any one of claims 1 to 6 , wherein the presentation unit presents the interest rate calculated by the interest rate calculation unit to the first user and the second user. .. The interest rate calculation unit calculates the interest rate according to the value information lent by the first user based on the history of lending and borrowing the value information determined between the first user and the second user. ,
The information processing apparatus according to claim 7 , wherein the presentation unit presents the interest rate calculated by the interest rate calculation unit to the first user and the second user. When the value information is given to the second user after lending the value information, the value information held by the first user is updated without updating the value information held by the second user. The information processing apparatus according to any one of claims 1 to 8 , further comprising an update unit.

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