JP7459158B2 - Provision device, method and program - Google Patents

Description

The present invention relates to a provision device, a provision method, and a provision program.

In recent years, trading of financial products such as stocks, foreign exchange, and futures over the Internet has become active. Additionally, techniques have been proposed for providing various types of information to support transactions of financial products.

Japanese Patent Application Publication No. 2008-40535

However, with the conventional technology, there is room for further improvement in providing more useful information to the user.

The present application has been made in view of the above, and aims to provide a providing device, a providing method, and a providing program that can provide more useful information to users.

The providing device according to the present application includes a specifying section and a providing section. The identification unit uses a model that has been trained to output financial products that meet predetermined conditions and reasons for meeting the predetermined conditions when information regarding financial products is input, A financial product that satisfies the predetermined condition and the reason are identified. The providing unit provides the user with information regarding the specified financial product and the reason.

According to one aspect of the embodiment, it is possible to provide more useful information to the user.

FIG. 1 is a diagram showing a process executed by a providing device according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of a providing system according to an embodiment. FIG. 3 is a diagram illustrating a configuration example of a providing device according to an embodiment. FIG. 4 is a diagram showing an example of user information. FIG. 5 is a diagram showing an example of financial product information. FIG. 6 is a diagram showing an example of model information. FIG. 7 is a flowchart illustrating the procedure of the learning process executed by the providing device according to the embodiment. FIG. 8 is a flowchart illustrating the procedure of the providing process executed by the providing device according to the embodiment. FIG. 9 is a diagram illustrating an example of a hardware configuration.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Below, a mode for implementing a providing apparatus, a providing method, and a providing program (hereinafter referred to as an "embodiment") according to the present application will be described in detail with reference to the drawings. Note that the providing device, providing method, and providing program according to the present application are not limited by this embodiment. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

(Embodiment)
First, the processing executed by the providing device according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram showing a process executed by a providing device according to an embodiment. Note that FIG. 1 shows an example of the operation of a providing system S including the providing device 1 according to the embodiment. As shown in FIG. 1, the providing system S according to the embodiment includes a providing device 1 and a user terminal 50.

As shown in FIG. 1, in the providing system S according to the embodiment, the providing device 1 first acquires information regarding financial products (step S1). Information regarding financial products can be obtained, for example, from a financial institution terminal 100 (see FIG. 2) managed by a financial institution that handles financial products.

Information about financial products includes product names (brand names), types of financial products (stocks, bonds, indexes, futures, etc.), news related to financial products (dividend increases, etc.), current values (stock prices), and past values. Contains information such as transaction history, trading information (volume), and other related financial products.

Next, the providing device 1 learns the characteristics of the acquired information regarding the financial product, and by inputting the information regarding the financial product, a model that outputs a financial product that meets a predetermined condition and the reason why the predetermined condition is met. (Step S2). Note that the case where the predetermined condition is satisfied is, for example, the case where the value increases (decreases) by a predetermined value or more.

Such a model is a model of explainable artificial intelligence. Specifically, the providing device 1 uses, as correct answer data during learning, information about financial products that meet predetermined conditions, a score indicating the degree to which the predetermined conditions are met, and information elements of each information element of the information about financial products. Among them, information elements that serve as reasons why predetermined conditions are met are collected, and a model is learned that outputs the above-mentioned score and the above-mentioned information elements when information about financial products is input.

Next, the providing device 1 uses the generated model to identify financial products that satisfy the specified conditions and the reason why the specified conditions are satisfied (step S3). Specifically, the providing device 1 inputs information about financial products acquired from the financial institution terminal 100 into the model, and identifies financial products that satisfy the specified conditions and the reason based on the scores and reasons output from the model.

Subsequently, the providing device 1 provides the specified financial product and reason to the user (step S4). For example, the providing device 1 displays the ranking according to the score output by the model, and displays the above-mentioned reason along with each ranked financial product.

In this way, the providing device 1 according to the embodiment identifies financial products that satisfy the specified conditions and the reasons for doing so and provides them to the user, allowing the user to understand why the financial products satisfy the specified conditions, thereby helping to improve trading techniques. In other words, the providing device 1 according to the embodiment can provide more useful information to the user.

Next, a configuration example of the providing system S according to the embodiment will be described using FIG. 2. FIG. 2 is a block diagram showing a configuration example of the providing system S according to the embodiment. As shown in FIG. 2, in the providing system S according to the embodiment, a providing device 1, a plurality of user terminals 50, and a plurality of financial institution terminals 100 are connected to a network N by wire or wirelessly. The network N is, for example, the Internet, WAN (Wide Area Network), LAN (Local Area Network), or the like.

The providing device 1 is a server device that executes the providing method according to the embodiment. Using a model generated by learning information about financial products, the providing device 1 identifies financial products and reasons that are estimated to satisfy predetermined conditions in the future and provides them to the user.

Further, the providing device 1 cooperates with the user terminal 50 of each user, and provides API (Application Programming Interface) services for various applications (hereinafter referred to as applications) and various data to the user terminal 50 of each user. It is an information processing device that uses a server device, a cloud system, etc.

The providing device 1 may also be an information processing device that provides some kind of web service online to the user terminal 50 of each user. For example, the providing device 1 may provide services such as Internet connection, search service, SNS (Social Networking Service), electronic commerce (EC), electronic payment, online games, online banking, online trading, accommodation and ticket reservations, video and music distribution, news, maps, route search, route guidance, line information, operation information, and weather forecasts as web services. In practice, the providing device 1 may cooperate with various servers that provide the above-mentioned web services, and may act as an intermediary for the web services or be responsible for processing the web services.

The user terminal 50 is a terminal device owned by a user. The user terminal 50 can be any type of terminal device such as a smartphone, desktop PC, notebook PC, tablet PC, or the like. The user terminal 50 transmits various information to the providing device 1 and the financial institution terminal 100, and receives information provided from the providing device 1 and the financial institution terminal 100.

The financial institution terminal 100 is a terminal device handled by a person in charge of a financial institution that handles financial products. The financial institution terminal 100 can be any type of terminal device such as a smartphone, a desktop PC, a notebook PC, or a tablet PC. The financial institution terminal 100 provides the providing device 1 with information such as information on financial products handled by the financial institution, information on financial products held by users, transaction history, history of the value of financial products, and the like.

Next, a configuration example of the providing device 1 will be described with reference to FIG. 3.

FIG. 3 is a diagram showing a configuration example of the providing device 1 according to the embodiment. As shown in FIG. 3, the providing device 1 includes a communication section 2, a control section 3, and a storage section 4. The control unit 3 includes an acquisition unit 31 , a generation unit 32 , a specification unit 33 , and a provision unit 34 . The storage unit 4 stores user information 41, financial product information 42, and model information 43.

The communication unit 2 is realized by, for example, a NIC (Network Interface Card). The communication unit 2 is connected to a network by wire or wirelessly.

The control unit 3 is a controller, and for example, uses a processor such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) to execute various programs (provided programs) stored in a storage device inside the providing device 1. (corresponding to one example) is realized by being executed using RAM or the like as a work area. Further, the control unit 3 is a controller, and may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a GPGPU (General Purpose Graphic Processing Unit). .

The storage unit 4 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk.

User information 41 is information about users (including trading users). Figure 4 is a diagram showing an example of user information 41. As shown in Figure 4, user information 41 includes items such as "user ID," "attribute information," "owned product information," and "transaction history."

"User ID" is identification information that identifies a user. "Attribute information" is information regarding user attributes, and includes psychographic attributes, demographic attributes, and the like. "Owned product information" is information regarding financial products currently held by the user, and includes information such as the brand of the financial product, the number of holdings (number of shares, etc.), and the value at the time of acquisition (stock price, etc.). "Transaction history" is the history of transactions of financial products by users and trading users, including the date and time of purchase and sale, the quantity purchased and sold, the value at the time of purchase and sale, and transaction results (profit amount or loss amount, profit rate and loss rate) Including etc.

Financial product information 42 is information regarding financial products handled by financial institutions. FIG. 5 is a diagram showing an example of the financial product information 42. As shown in FIG. 5, the financial product information 42 includes items such as "product ID", "product information", and "value information".

"Product ID" is identification information that identifies a financial product. "Product information" is information about a financial product, such as the type of financial product (stocks, bonds, etc.), name of the stock, and composition (constituent stocks in the case of an index). "Value information" is information about the value of a financial product (stock price, etc.), and includes the current value and the value history over a specified period of time in the past.

The model information 43 is information about the model that is the learning result of the generation unit 32 described below. FIG. 6 is a diagram showing an example of the model information 43. As shown in FIG. 6, the model information 43 includes items such as "model ID" and "model information."

"Model ID" is identification information that identifies the model. "Model information" is information that indicates the contents of the model, such as the model's variables and weights.

Next, each function (the acquisition section 31, the generation section 32, the identification section 33, and the provision section 34) of the control section 3 of the providing device 1 will be explained.

The acquisition unit 31 acquires various information. For example, the acquisition unit 31 acquires information regarding financial products. Information about financial products includes product names (brand names), types of financial products (stocks, bonds, indexes, futures, etc.), news related to financial products (dividend increases, etc.), current values (stock prices), and past values. Contains information such as transaction history, transaction information (volume), and other related financial products.

The generation unit 32 generates a model that outputs a financial product that satisfies a predetermined condition and a reason for satisfying the predetermined condition by learning the characteristics of information regarding financial products. Note that the case where the predetermined condition is satisfied is, for example, the case where the value increases (decreases) by a predetermined value or more.

Such a model is an explainable artificial intelligence model. Specifically, the providing device 1 learns, as correct answer data during learning, information about financial products that satisfy a specified condition, a score indicating the degree to which the specified condition is satisfied, and information elements of the information about the financial product that are the reason for satisfying the specified condition, and generates a model that outputs the above score and the above information elements when information about a financial product is input.

The generation unit 32 may generate models with different periods for whether or not a predetermined condition is satisfied. Specifically, the generation unit 32 generates a model that outputs financial products and reasons that meet predetermined conditions for each period, for example, for the most recent six months, the most recent one year, and the most recent five years.

The identification unit 33 uses the model generated by the generation unit 32 to identify financial products that satisfy the specified conditions and the reason why the specified conditions are satisfied. For example, the identification unit 33 inputs information about financial products obtained from the financial institution terminal 100 into the model, and identifies financial products that satisfy the specified conditions and the reason based on the score and the reason output from the model.

The providing unit 34 provides the user with information regarding the financial product specified by the specifying unit 33 as well as the reason for the specification. For example, the providing unit 34 displays the ranking according to the score output by the model, and displays the above-mentioned reason along with each ranked financial product. Further, the providing unit 34 may display rankings by reason. That is, the providing unit 34 classifies financial products by reason and displays rankings according to scores for each reason.

In addition, when providing the reason, the providing unit 34 provides the reason in a manner that corresponds to the user's level of understanding of financial literacy. For example, the providing unit 34 provides the meanings and explanations of terms used in the reasons to users (beginners) who have a low level of understanding of financial literacy. Further, the providing unit 34 provides users other than beginners (intermediate users and advanced users) with meanings and explanations only for terms that the users do not understand, depending on their level of understanding.

Next, the processing procedure of the process executed by the providing device 1 according to the embodiment will be explained using FIGS. 7 and 8. FIG. 7 is a flowchart showing the procedure of the learning process executed by the providing device 1 according to the embodiment. FIG. 8 is a flowchart illustrating the procedure of the providing process executed by the providing device 1 according to the embodiment.

As shown in FIG. 7, the control unit 3 acquires information regarding financial products (step S101).

Next, the control unit 3 learns information about financial products to generate a model that outputs financial products that meet predetermined conditions and the reason thereof (step S102), and ends the process.

Next, as shown in FIG. 8, the control unit 3 acquires information regarding financial products (step S201).

Subsequently, the control unit 3 inputs information regarding financial products into the model, and outputs a score regarding whether or not a predetermined condition is satisfied, and a reason if a predetermined condition is satisfied (step S202).

Subsequently, the control unit 3 generates content based on the output financial product and reason (step S203).

Next, the control unit 3 provides the generated content to the user (step S204) and ends the process.

〔others〕
Further, among the processes described in the above embodiments, some of the processes described as being automatically performed can also be performed manually. Alternatively, all or part of the processes described as being performed manually can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Furthermore, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

For example, part or all of the storage unit 4 shown in FIG. 3 may be held in a storage server or the like instead of being held by each device. In this case, each device obtains various information by accessing the storage server.

[Hardware configuration]
Further, the providing apparatus 1 according to the embodiments described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. FIG. 7 is a diagram showing an example of the hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 connected by a bus 1090. has.

The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and performs various processes. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic unit 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the calculation device 1030 for various calculations and various databases are registered, and includes ROM (Read Only Memory), HDD (Hard Disk Drive), flash memory, etc. This is realized by

The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or printer, and is realized, for example, by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, scanner, etc., and is realized, for example, by a USB.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Furthermore, the input device 1020 may be an external storage medium such as a USB memory.

The network IF 1080 receives data from other devices via the network N and sends it to the computing device 1030, and also transmits data generated by the computing device 1030 to other devices via the network N.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output IF 1060 and input IF 1070. For example, the arithmetic device 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the providing device 1, the arithmetic device 1030 of the computer 1000 realizes the functions of the control unit 3 by executing a program loaded onto the primary storage device 1040.

〔effect〕
As described above, the providing device 1 according to the embodiment includes the specifying section 33 and the providing section 34. The identification unit 33 uses a model that has been trained to output financial products that meet predetermined conditions and reasons for meeting the predetermined conditions when information regarding financial products is input. Identify the financial products that meet the conditions and the reason. The providing unit 34 provides the user with information regarding the specified financial product and the reason. With such a configuration, more useful information can be provided to the user.

Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

〔others〕
Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or the processes described as being performed manually can be performed manually. All or part of the process can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Furthermore, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the processes described in the embodiments described above can be combined as appropriate within a range that does not conflict with the process contents.

Furthermore, the above-mentioned "section, module, unit" can be read as "means", "circuit", etc. For example, the control unit 3 can be read as a control means or a control circuit.

1 Providing device 2 Communication unit 3 Control unit 4 Storage unit 31 Acquisition unit 32 Generation unit 33 Specification unit 34 Providing unit 41 User information 42 Financial product information 43 Model information 50 User terminal 100 Financial institution terminal S Providing system

Claims (8)

Correct answer data during learning includes information about financial products that meet predetermined conditions, a score that indicates the extent to which the predetermined conditions are met, and a reason why the predetermined conditions are met among each information element of the information about the financial products. a generation unit that learns an information element and generates a model that outputs the score and the information element when information regarding the financial product is input;
an identification unit that inputs information regarding the financial product into the model and identifies a financial product that satisfies the predetermined condition and the reason based on the score output from the model and the information element ;
A providing device, comprising: a providing unit that provides the reason to a user along with information regarding the specified financial product. The specific part is
2. The method according to claim 1, wherein the financial product whose value has increased and the reason thereof are identified using a model trained to output the financial product whose value has increased and the reason why the value has increased. providing equipment. The specific part is
Claim 1 or 2: The financial product whose value has decreased and the reason thereof are identified using a model trained to output the financial product whose value has decreased and the reason why the value has decreased. The provision device described in . The specific part is
Using the model that outputs the financial product that satisfies the predetermined condition and the reason for each predetermined period, the financial product that satisfies the predetermined condition and the reason are specified for each predetermined period. The providing device according to any one of 1 to 3 . The provision department is
The providing device according to any one of claims 1 to 4 , wherein the providing device displays a ranking of the financial products according to the output result of the model, and provides the reason together with each ranked financial product. The provision department is
The providing device according to any one of claims 1 to 5 , wherein the reason is provided in a manner that corresponds to the user's level of understanding of financial literacy. A providing method executed by a computer, comprising:
Correct answer data during learning includes information about financial products that meet predetermined conditions, a score that indicates the extent to which the predetermined conditions are met, and a reason why the predetermined conditions are met among each information element of the information about the financial products. a generation step of learning an information element that is, and generating a model that outputs the score and the information element when information regarding the financial product is input;
a specifying step of inputting information regarding the financial product into the model and identifying a financial product that satisfies the predetermined condition and the reason based on the score output from the model and the information element ;
A providing method comprising: providing the reason to a user together with information regarding the specified financial product. Correct answer data during learning includes information about financial products that meet predetermined conditions, a score that indicates the extent to which the predetermined conditions are met, and a reason why the predetermined conditions are met among each information element of the information about the financial products. a generation procedure of learning an information element that is, and generating a model that outputs the score and the information element when information regarding the financial product is input;
a specifying step of inputting information regarding the financial product into the model and specifying a financial product that satisfies the predetermined condition and the reason based on the score output from the model and the information element ;
A providing program that causes a computer to execute a providing step of providing a user with information regarding the identified financial product and the reason.

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