JP7620650B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

This paper discloses a technology for a loan setting system that uses ATMs installed in bank branches, etc., in which settings are made in advance based on a risk assessment, and an automatic overdraft service (loan) is quickly set up using the ATM.

JP 2011-165001 A

However, in the above conventional technology, the user only knows the borrowing limit after applying for a loan with a loan company and the loan screening is conducted. Banks and other financial institutions provide card loan services to users, but there are currently several issues. For example, users may not apply because they think they cannot borrow money, even though they can actually borrow more money than they think. Also, when a user who wants to borrow money actually applies, they may find that the limit is smaller than they expected. In order to reduce such misunderstandings and disappointment, it may be effective to present the expected borrowing limit to the user at the card loan appeal stage.

This application was made in consideration of the above, and aims to present the expected loan limit to the user at the time of applying for a loan.

The information processing device of the present application is characterized by comprising: a product estimation unit that estimates a target product desired by the user from attribute information or behavioral history information of the user or users in the same segment, or from the user persona of the user; an annual income estimation unit that estimates the annual income of the user from attribute information or behavioral history information of the user or users in the same segment, or from the user persona of the user ; a limit estimation unit that estimates the borrowing limit of the user based on the estimated price of the target product and the estimated annual income of the user; and a provision unit that presents the estimated borrowing limit to the user and makes a borrowing proposal.

According to one aspect of the embodiment, the expected loan limit can be presented to the user at the time of applying for a loan.

FIG. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. FIG. 2 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. FIG. 3 is a diagram illustrating an example of the configuration of a terminal device according to the embodiment. FIG. 4 is a diagram illustrating an example of the configuration of a server device according to the embodiment. FIG. 5 is a diagram illustrating an example of the user information database. FIG. 6 is a diagram illustrating an example of the history information database. FIG. 7 is a diagram showing an example of the loan information database. FIG. 8 is a flowchart showing a processing procedure according to the embodiment. FIG. 9 is a diagram illustrating an example of a hardware configuration.

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments. In addition, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

[1. Overview of information processing method]
First, an overview of an information processing method performed by an information processing device according to an embodiment will be described with reference to Fig. 1. Fig. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. Note that Fig. 1 uses as an example a case in which an expected borrowing limit is presented to a user at the stage of applying for a card loan.

As shown in FIG. 1, the information processing system 1 includes a terminal device 10 and a server device 100. The terminal device 10 and the server device 100 are connected to each other via a network N (see FIG. 2) in a wired or wireless manner so as to be able to communicate with each other. In this embodiment, the terminal device 10 cooperates with the server device 100.

The terminal device 10 is a smart device such as a smartphone or tablet terminal used by a user U, and is a mobile terminal device capable of communicating with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). The terminal device 10 has a screen such as a liquid crystal display with touch panel functions, and accepts various operations on displayed data such as content, such as tapping, sliding, scrolling, etc., performed by the user U with a finger or a stylus. An operation performed on an area of the screen where content is displayed may be considered to be an operation on the content. The terminal device 10 may be not only a smart device, but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

The server device 100 is an information processing device that cooperates with the terminal device 10 of each user U and provides API (Application Programming Interface) services for various applications (hereinafter, apps) and the like, as well as various data, to the terminal device 10 of each user U, and is realized by a computer, a cloud system, or the like.

The server device 100 may also be an information processing device that provides some kind of web service online to the terminal device 10 of each user U. For example, the server device 100 may provide the following services as web services: 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, weather forecasts, etc. In practice, the server device 100 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 server device 100 can acquire user information about the user U. For example, the server device 100 acquires information about the attributes of the user U, such as the gender, age, and area of residence of the user U. The server device 100 then stores and manages the information about the attributes of the user U together with identification information (such as a user ID) indicating the user U.

The server device 100 also acquires various history information (log data) indicating the behavior of the user U from the terminal device 10 of the user U, or from various servers based on the user ID, etc. For example, the server device 100 acquires a location history, which is a history of the location and date and time of the user U, from the terminal device 10. The server device 100 also acquires a search history, which is a history of search queries entered by the user U, from a search server (search engine). The server device 100 also acquires a browsing history, which is a history of content viewed by the user U, from a content server. The server device 100 also acquires a purchase history (payment history), which is a history of product purchases and payment processing by the user U, from an electronic commerce server or a payment processing server. The server device 100 may also acquire a listing history and a sales history, which are a history of listings on the marketplace by the user U, from an electronic commerce server or a payment processing server. The server device 100 also acquires a posting history, which is a history of posts by the user U, from a posting server that provides a word-of-mouth posting service or an SNS server. The various servers and the like described above may be the server device 100 itself. In other words, the server device 100 may function as the various servers and the like described above.

[1-1. Providing information on card loans]
In this embodiment, the server device 100 estimates the borrowing limit of user U based on the price (product price) of a specified target product and user U's estimated annual income, determines whether to provide card loan information to user U, and if providing card loan information, provides card loan information including the estimated borrowing limit to user U.

The target product is not limited to a product that user U has actually purchased (a product in the history), but may be a product that user U is searching for or referring to (a product under consideration), or a product that user U is presumed to want (or will want) (a predicted product). The target product is also not limited to one, and may be multiple.

The server device 100 may be a server device used by a financial institution such as a bank, or may be a server device used by a company or organization that cooperates with a financial institution such as a bank, or a business that provides services to a financial institution such as a bank.

For example, as shown in FIG. 1, the server device 100 estimates whether or not the user U wants a certain target product (step S1). For example, the server device 100 estimates the target product that the user U wants from attribute information or history information (behavioral data within the service) of the user U (or users in the same segment), or from the user persona of the user U. Alternatively, the server device 100 estimates whether or not the target product that the user U wants is included in a target product list that lists predetermined target products (high-priced products, etc.) prepared in advance (whether or not the user U wants each product in the list). Alternatively, in electronic commerce at a shopping mall or the like, the server device 100 estimates that the product added to the cart (the product selected by the user U) is the target product that the user U wants when displaying the product cart.

Next, the server device 100 estimates the annual income of the user U (step S2). That is, the server device 100 acquires the estimated annual income of the user U. At this time, the server device 100 may estimate the annual income of the user U from the price of the target product (product price). The server device 100 may also construct an annual income prediction model from attribute information or history information of the user U (or users in the same segment), or from the user persona of the user U, and estimate the annual income of the user U using the annual income prediction model. Note that, in practice, the server device 100 may acquire information indicating the annual income of the user U by the input operation of the user U or from the attribute information of the user U. The annual income may also be the net amount. The annual income is merely one example of income. That is, it is sufficient for the server device 100 to be able to estimate or acquire the income of the user U.

Next, the server device 100 estimates an availability score indicating the possibility that user U can use a card loan based on the price (product price) of the target product desired by user U and user U's annual income (estimated annual income) (step S3). The availability score may indicate user U's borrowing limit, or user U's creditworthiness, repayment ability, payment ability, or rank.

Next, the server device 100 estimates the borrowing limit of the user U based on the estimated availability score (step S4). In fact, the availability score itself may indicate the borrowing limit of the user U. That is, steps S3 and S4 may be performed simultaneously. The server device 100 may estimate the borrowing limit of the user U from the difference (difference) between the price of the target product (product price) and the ability to pay estimated from the annual income (estimated annual income) of the user U. The server device 100 may also estimate the living expenses of the user U from the price of the target product (product price) and the annual income (estimated annual income) of the user U, and estimate the availability score or the borrowing limit of the user U from the estimated living expenses. The server device 100 may also estimate the borrowable amount linked to the price of the target product that the user U wants, within a range not exceeding the estimated borrowing limit of the user U. For example, if the price of the target product that user U wants is 100,000 yen, the server device 100 may estimate that the amount that user U can borrow is 100,000 yen.

Then, the server device 100 determines whether or not to provide user U with card loan information based on the estimated borrowing limit of user U (step S5). For example, the server device 100 may determine not to provide user U with card loan information if user U's borrowing limit is less than a predetermined threshold (e.g., 0 yen) or user U's desired amount (e.g., the price of the target product). Alternatively, the server device 100 may determine not to lend money to user U based on the estimated availability score (not to provide user U with card loan information).

Next, when the server device 100 provides the user U with information about a card loan, it presents the estimated borrowing limit to the terminal device 10 of the user U and proposes the card loan (step S6). That is, the server device 100 presents the expected borrowing limit to the user U at the time of proposing the card loan. The actual loan screening (borrowing screening) is carried out after receiving an application for a card loan (loan application) from the user U.

The server device 100 may present the user with a loan limit that is linked to the price of the product desired by the user. For example, if the price of the product desired by the user is 100,000 yen, the server device 100 presents the user with a loan limit of 100,000 yen, even if the user's estimated loan limit is 2 million yen. By presenting this loan limit as one of the payment methods on the cart screen, it is possible to prevent the user from borrowing unnecessarily large amounts.

In a typical card loan, the user's annual income is not registered in advance, so the amount that can be borrowed (loan limit) is unknown until the user actually applies for a loan. In this embodiment, the user's annual income and the amount that can be borrowed (loan limit) are estimated at the stage of requesting a card loan, and the amount that can be borrowed (loan limit) is presented along with the card loan proposal.

[1-2. Other]
The server device 100 may estimate and propose an interest rate (or interest) for the user U, not limited to the borrowing limit of the user U. For example, the server device 100 may propose that the user U can borrow up to this amount at this interest rate.

The server device 100 may also set the upper limit of the amount estimated as the loanable amount (user U's borrowing limit) to a predetermined percentage of user U's annual income. For example, the server device 100 may set user U's borrowing limit to within a maximum of half or a third of user U's annual income.

Furthermore, the server device 100 may propose a card loan if the loanable amount (user U's borrowing limit) exceeds the price of the target product. For example, the server device 100 determines whether user U's borrowing limit exceeds the price of the target product, and if user U's borrowing limit exceeds the price of the target product, presents the borrowing limit and proposes a card loan.

The server device 100 may also suggest prices of target products that the user U can purchase based on the borrowing limit of the user U. For example, the server device 100 may suggest that the user can purchase products up to this price if he or she uses a card loan.

The server device 100 may also present a card loan proposal by listing products (estimated products) that are estimated to be desired (or that may be desired) by the user U along with the borrowing limit of the user U.

The server device 100 may also display multiple products side by side and propose the total price of the multiple products. At this time, the server device 100 selects products whose total price is less than the loanable amount (user U's borrowing limit). The server device 100 may also propose a card loan by displaying multiple products whose total price falls within the loanable amount (user U's borrowing limit) and user U's borrowing limit.

The server device 100 may also display on the purchase screen products that user U is likely to desire (or want) in order of the total amount up to the loanable amount (user U's borrowing limit).

The borrowing limit presented when proposing a card loan is a provisional borrowing limit. When presenting the borrowing limit, it is presented as a "maximum amount." In reality, it may be presented as a "minimum and maximum amount" (a range expected as the borrowing limit). When user U makes a formal application (loan application) for a card loan, server device 100 performs a formal review and calculates the "actual possible borrowing amount" (final borrowing limit) taking into account other factors such as borrowing from other companies.

The server device 100 also sends the card loan proposal (and proposals for target products that can be purchased) to the terminal device 10 of the user U by email. Alternatively, the server device 100 may notify the terminal device 10 of the user U by push notification, or may display it as an advertisement on the product information or product cart screen. The server device 100 may also display the card loan as a payment option (one of the payment method options).

2. Example of information processing system configuration
Next, a configuration of an information processing system 1 including a server device 100 according to an embodiment will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of a configuration of the information processing system 1 according to an embodiment. As shown in Fig. 2, the information processing system 1 according to an embodiment includes a terminal device 10 and a server device 100. These various devices are connected to each other via a network N so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Furthermore, the number of devices included in the information processing system 1 shown in FIG. 2 is not limited to that shown. For example, in FIG. 2, only one terminal device 10 is shown to simplify the illustration, but this is merely an example and is not limiting, and there may be two or more devices.

The terminal device 10 is an information processing device used by a user U. For example, the terminal device 10 is a smart device such as a smartphone or tablet terminal, a mobile phone such as a feature phone, a personal computer (PC), a personal digital assistant (PDA), a game console or AV device with communication functions, information appliances or digital appliances, a car navigation system, a wearable device such as a smart watch or a head-mounted display, smart glasses, etc. The terminal device 10 may also be a house or building, a car, a home appliance, an electronic device, etc. that is compatible with the Internet of Things (IOT).

In addition, the terminal device 10 can connect to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation: 5th generation mobile communication system), or via short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN (Local Area Network), and communicate with the server device 100.

The server device 100 is, for example, a computer such as a PC or a blade server, or a mainframe or a workstation. The server device 100 may also be realized by cloud computing.

3. Example of terminal device configuration
Next, the configuration of the terminal device 10 will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the configuration of the terminal device 10. As shown in Fig. 3, the terminal device 10 includes a communication unit 11, a display unit 12, an input unit 13, a positioning unit 14, a sensor unit 20, a control unit 30 (controller), and a storage unit 40.

(Communication unit 11)
The communication unit 11 is connected to a network N (see FIG. 2 ) by wire or wirelessly, and transmits and receives information to and from the server device 100 via the network N. For example, the communication unit 11 is realized by a network interface card (NIC), an antenna, or the like.

(Display unit 12)
The display unit 12 is a display device that displays various information such as position information. For example, the display unit 12 is a liquid crystal display (LCD) or an organic electro-luminescent display (OLED). The display unit 12 is also a touch panel display, but is not limited to this.

(Input unit 13)
The input unit 13 is an input device that accepts various operations from the user U. For example, the input unit 13 has buttons for inputting characters, numbers, and the like. The input unit 13 may be an input/output port (I/O port), a USB (Universal Serial Bus) port, or the like. In addition, when the display unit 12 is a touch panel display, a part of the display unit 12 functions as the input unit 13. In addition, the input unit 13 may be a microphone that accepts voice input from the user U, or the like. The microphone may be wireless.

(Positioning unit 14)
The positioning unit 14 receives signals (radio waves) transmitted from satellites of a GPS (Global Positioning System), and acquires position information (e.g., latitude and longitude) indicating the current position of the terminal device 10 based on the received signals. That is, the positioning unit 14 measures the position of the terminal device 10. Note that the GPS is merely an example of a GNSS (Global Navigation Satellite System).

The positioning unit 14 can also measure the position using various methods other than GPS. For example, the positioning unit 14 may measure the position using various communication functions of the terminal device 10 as an auxiliary positioning means for position correction, etc., as described below.

(Wi-Fi positioning)
For example, the positioning unit 14 uses a Wi-Fi (registered trademark) communication function of the terminal device 10 or a communication network provided by each communication company to measure the position of the terminal device 10. Specifically, the positioning unit 14 performs Wi-Fi communication or the like and measures the distance to a nearby base station or access point to measure the position of the terminal device 10.

(Beacon positioning)
Furthermore, the positioning unit 14 may measure the position by using a Bluetooth (registered trademark) function of the terminal device 10. For example, the positioning unit 14 measures the position of the terminal device 10 by connecting to a beacon transmitter connected by the Bluetooth (registered trademark) function.

(geomagnetic positioning)
In addition, the positioning unit 14 locates the position of the terminal device 10 based on a geomagnetic pattern of a structure that has been measured in advance and a geomagnetic sensor provided in the terminal device 10 .

(RFID positioning)
Furthermore, for example, if the terminal device 10 has a function of an RFID (Radio Frequency Identification) tag equivalent to a contactless IC card used at station ticket gates, in stores, etc., or has a function of reading an RFID tag, the location of use is recorded together with information on a payment or the like made by the terminal device 10. The positioning unit 14 may obtain such information to measure the location of the terminal device 10. Furthermore, the location may be measured by an optical sensor, an infrared sensor, or the like provided in the terminal device 10.

If necessary, the positioning unit 14 may use one or a combination of the positioning means described above to determine the position of the terminal device 10.

(Sensor unit 20)
The sensor unit 20 includes various sensors mounted on or connected to the terminal device 10. The connection may be wired or wireless. For example, the sensors may be detection devices other than the terminal device 10, such as wearable devices and wireless devices. In the example shown in FIG. 3, the sensor unit 20 includes an acceleration sensor 21, a gyro sensor 22, an air pressure sensor 23, a temperature sensor 24, a sound sensor 25, a light sensor 26, a magnetic sensor 27, and an image sensor (camera) 28.

The above-mentioned sensors 21 to 28 are merely examples and are not limiting. In other words, the sensor unit 20 may be configured to include some of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or instead of the sensors 21 to 28.

The acceleration sensor 21 is, for example, a three-axis acceleration sensor, and detects the physical movement of the terminal device 10, such as the direction of movement, speed, and acceleration of the terminal device 10. The gyro sensor 22 detects the physical movement of the terminal device 10, such as the tilt in three axial directions, based on the angular velocity of the terminal device 10. The air pressure sensor 23 detects, for example, the air pressure around the terminal device 10.

Since the terminal device 10 is equipped with the above-mentioned acceleration sensor 21, gyro sensor 22, air pressure sensor 23, etc., it is possible to determine the position of the terminal device 10 using technology such as Pedestrian Dead-Reckoning (PDR) that utilizes these sensors 21 to 23. This makes it possible to obtain indoor position information that is difficult to obtain using positioning systems such as GPS.

For example, the number of steps, walking speed, and distance walked can be calculated using a pedometer that uses the acceleration sensor 21. In addition, the gyro sensor 22 can be used to know the user U's direction of travel, line of sight, and body inclination. In addition, the air pressure detected by the air pressure sensor 23 can be used to know the altitude and floor on which the user U's terminal device 10 is located.

The air temperature sensor 24 detects, for example, the air temperature around the terminal device 10. The sound sensor 25 detects, for example, sound around the terminal device 10. The light sensor 26 detects the illuminance around the terminal device 10. The magnetic sensor 27 detects, for example, the geomagnetism around the terminal device 10. The image sensor 28 captures an image around the terminal device 10.

The above-mentioned air pressure sensor 23, temperature sensor 24, sound sensor 25, light sensor 26, and image sensor 28 can detect the environment and situation around the terminal device 10 by detecting air pressure, temperature, sound, and illuminance, and capturing images of the surroundings. In addition, it is possible to improve the accuracy of the location information of the terminal device 10 based on the environment and situation around the terminal device 10.

(Control unit 30)
The control unit 30 includes, for example, a microcomputer having a central processing unit (CPU), a read only memory (ROM), a RAM, an input/output port, and various other circuits. The control unit 30 may also be configured with hardware such as an integrated circuit, for example, an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA). The control unit 30 includes a transmitting unit 31, a receiving unit 32, and a processing unit 33.

(Transmitter 31)
The transmission unit 31 can transmit, for example, various information input by the user U using the input unit 13, various information detected by each sensor 21 to 28 mounted on or connected to the terminal device 10, and location information of the terminal device 10 measured by the positioning unit 14 to the server device 100 via the communication unit 11.

(Receiving unit 32)
The receiving unit 32 can receive various information provided by the server device 100 and requests for various information from the server device 100 via the communication unit 11 .

(Processing Unit 33)
The processing unit 33 controls the entire terminal device 10, including the display unit 12, etc. For example, the processing unit 33 can output various information transmitted by the transmission unit 31 and various information received from the server device 100 by the reception unit 32 to the display unit 12 for display.

(Memory unit 40)
The storage unit 40 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk drive (HDD), a solid state drive (SSD), an optical disk, etc. Various programs and various data are stored in the storage unit 40.

4. Example of Server Device Configuration
Next, the configuration of the server device 100 according to the embodiment will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of the configuration of the server device 100 according to the embodiment. As shown in Fig. 4, the server device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(Communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC), etc. The communication unit 110 is also connected to a network N (see FIG. 2) in a wired or wireless manner.

(Memory unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a HDD, an SSD, an optical disk, etc. As shown in FIG. 4 , the storage unit 120 has a user information database 121, a history information database 122, and a loan information database 123.

(User information database 121)
The user information database 121 stores user information related to the user U. For example, the user information database 121 stores various information such as attributes of the user U. Fig. 5 is a diagram showing an example of the user information database 121. In the example shown in Fig. 5, the user information database 121 has items such as "User ID (Identifier)", "Age", "Gender", "Home", "Workplace", and "Interests".

"User ID" indicates identification information for identifying user U. Note that "user ID" may be contact information for user U (telephone number, email address, etc.) or may be identification information for identifying user U's terminal device 10.

Furthermore, "age" indicates the age of user U identified by the user ID. Note that "age" may be information indicating the specific age of user U (e.g., 35 years old) or information indicating the generation of user U (e.g., 30s). Alternatively, "age" may be information indicating user U's date of birth or information indicating user U's generation (e.g., born in the 1980s). Furthermore, "gender" indicates the gender of user U identified by the user ID.

"Home" indicates the location information of the home of user U, which is identified by the user ID. In the example shown in FIG. 5, "Home" is illustrated as an abstract code such as "LC11", but it may also be latitude and longitude information, etc. For example, "Home" may also be the name of a region or an address.

"Workplace" indicates the location information of the workplace (school in the case of a student) of user U identified by the user ID. In the example shown in FIG. 5, "workplace" is illustrated as an abstract code such as "LC12", but it may also be latitude and longitude information, etc. For example, "workplace" may also be the name of a region or an address.

Furthermore, "interests" indicate the interests of user U identified by the user ID. In other words, "interests" indicate subjects in which user U identified by the user ID is highly interested. For example, "interests" may be search queries (keywords) entered by user U into a search engine. Note that, although one "interest" is illustrated for each user U in the example shown in FIG. 5, there may be multiple "interests."

For example, in the example shown in FIG. 5, the age of user U identified by user ID "U1" is "20s" and the gender is "male." Also, for example, user U identified by user ID "U1" indicates that his home address is "LC11." Also, for example, user U identified by user ID "U1" indicates that his workplace is "LC12." Also, for example, user U identified by user ID "U1" indicates that he is interested in "sports."

In the example shown in FIG. 5, abstract values such as "U1", "LC11", and "LC12" are used to illustrate the data, but it is assumed that specific information such as character strings and numerical values is stored in "U1", "LC11", and "LC12". In the following figures relating to other information, abstract values may also be illustrated.

The user information database 121 may store various information according to the purpose, not limited to the above. For example, the user information database 121 may store various information related to the terminal device 10 of the user U. The user information database 121 may also store information related to the attributes of the user U, such as demographic attributes, psychographic attributes, geographic attributes, and behavioral attributes. For example, the user information database 121 may store information such as name, family structure, place of origin (hometown), occupation, job title, income, qualifications, type of residence (detached house, apartment, etc.), whether or not the user has a car, commuting time, commuting route, commuter pass section (station, line, etc.), frequently used station (other than the nearest station to home or workplace), extracurricular activities (location, time zone, etc.), hobbies, interests, and lifestyle.

(History information database 122)
The history information database 122 stores various information related to history information (log data) indicating the behavior of the user U. Fig. 6 is a diagram showing an example of the history information database 122. In the example shown in Fig. 6, the history information database 122 has items such as "user ID", "location history", "search history", "browsing history", "purchase history", and "posting history".

"User ID" refers to identification information for identifying user U. "Location history" refers to location history, which is a history of user U's location and movements. "Search history" refers to search history, which is a history of search queries entered by user U. "Browse history" refers to browse history, which is a history of content viewed by user U. "Purchase history" refers to purchase history, which is a history of purchases made by user U. "Post history" refers to posting history, which is a history of posts made by user U. "Post history" may include questions about user U's possessions.

For example, in the example shown in FIG. 6, user U identified by user ID "U1" moves as shown in "location history #1," searches as shown in "search history #1," views content as shown in "browsing history #1," purchases specific products at specific stores as shown in "purchase history #1," and posts as shown in "post history #1."

In the example shown in FIG. 6, abstract values such as "U1", "Location History #1", "Search History #1", "Browse History #1", "Purchase History #1", and "Post History #1" are used for illustration, but it is assumed that specific information such as character strings and numerical values is stored in "U1", "Location History #1", "Search History #1", "Browse History #1", "Purchase History #1", and "Post History #1".

The history information database 122 may store various information depending on the purpose, not limited to the above. For example, the history information database 122 may store the usage history of a specific service by the user U. The history information database 122 may also store the history of the user U's visit to a physical store or the history of the user U's visit to a facility. The history information database 122 may also store the payment history of payments (electronic payments) made using the user U's terminal device 10.

(Loan information database 123)
The loan information database 123 stores various information related to the user U when proposing a card loan. Fig. 7 is a diagram showing an example of the loan information database 123. In the example shown in Fig. 7, the loan information database 123 has items such as "user ID", "target product", "estimated annual income", "score", "limit amount", and "loan information".

"User ID" indicates identification information for identifying user U. "Target product" indicates a target product that is estimated to be desired by user U. Note that it may be identification information for identifying the target product. "Estimated annual income" indicates the estimated annual income of user U. In reality, it is not limited to estimated annual income, and may be annual income acquired as attribute information. Note that annual income is merely one example of income. "Score" indicates an availability score that indicates the possibility that user U can use a card loan. "Limit" indicates the estimated borrowing limit of user U. "Loan information" indicates information on the card loan provided to user U. For example, the loan information indicates information such as a card loan course that differs for each user.

For example, in the example shown in FIG. 7, user U, identified by user ID "U1," desires "target product #1," is estimated to have an income of "estimated annual income #1," and is estimated to be able to borrow up to "limit amount #1" based on "score #1" estimated from the target product and estimated annual income, and therefore "loan information #1" is provided along with the borrowing limit.

In the example shown in FIG. 7, abstract values such as "U1", "Target Product #1", "Estimated Annual Income #1", "Score #1", "Limit Amount #1", and "Loan Information #1" are used for illustration, but specific information such as character strings and numerical values is stored in "U1", "Target Product #1", "Estimated Annual Income #1", "Score #1", "Limit Amount #1", and "Loan Information #1".

The loan information database 123 may store various information according to the purpose, without being limited to the above. For example, the loan information database 123 may store information indicating the estimated interest rate (or interest) of user U. The loan information database 123 may also store information indicating the creditworthiness, repayment ability, payment ability, or rank of user U. The loan information database 123 may also store an annual income prediction model, etc. The loan information database 123 may also store a target product list, etc.

(Control unit 130)
Returning to Fig. 4, the description will be continued. The control unit 130 is a controller, and is realized by, for example, a central processing unit (CPU), a micro processing unit (MPU), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., executing various programs (corresponding to an example of an information processing program) stored in a storage device inside the server device 100 using a storage area such as a RAM as a working area. In the example shown in Fig. 4, the control unit 130 has an acquisition unit 131, a product estimation unit 132, an annual income estimation unit 133, a score estimation unit 134, a limit estimation unit 135, a determination unit 136, and a provision unit 137.

(Acquisition unit 131)
The acquisition unit 131 acquires a search query input by a user U (user). For example, when the user U inputs a search query into a search engine or the like to perform a keyword search, the acquisition unit 131 acquires the search query via the communication unit 110. That is, the acquisition unit 131 acquires keywords input by the user U into a search box of a search engine, a site, or an app via the communication unit 110.

The acquisition unit 131 also acquires user information about the user U via the communication unit 110. For example, the acquisition unit 131 acquires identification information (such as a user ID) indicating the user U, location information of the user U, attribute information of the user U, and the like from the terminal device 10 of the user U. The acquisition unit 131 may also acquire identification information indicating the user U, attribute information of the user U, and the like when registering the user U. Then, the acquisition unit 131 registers the user information in the user information database 121 of the storage unit 120.

The acquisition unit 131 also acquires various types of history information (log data) indicating the behavior of the user U via the communication unit 110. For example, the acquisition unit 131 acquires various types of history information indicating the behavior of the user U from the terminal device 10 of the user U, or from various servers, etc. based on the user ID, etc. Then, the acquisition unit 131 registers the various types of history information in the history information database 122 of the storage unit 120.

(Product estimation unit 132)
The product estimation unit 132 estimates a target product that the user U wants. For example, in electronic commerce, when displaying a product cart, the product estimation unit 132 estimates the product that the user U has added to the cart. The product estimation unit 132 estimates the target product that the user U wants. Alternatively, the product estimation unit 132 estimates the target product that the user U wants from the attribute information or history information of the user U.

(Annual income estimation unit 133)
The annual income estimation unit 133 estimates the annual income of the user U. For example, the annual income estimation unit 133 estimates the annual income of the user U from attribute information or history information of the user U. Alternatively, the annual income estimation unit 133 estimates the annual income of the user U from a target product that the user U wants.

(Score Estimation Unit 134)
The score estimation unit 134 estimates an availability score indicating the possibility that user U can obtain a card loan based on the price of the target product (product price) and user U's estimated annual income.

(Limit amount estimation unit 135)
The credit limit estimation unit 135 estimates the borrowing limit of the user U based on the price of the target product (product price) and the estimated annual income of the user U. Alternatively, the credit limit estimation unit 135 estimates the borrowing limit of the user U based on the availability Based on the score, the limit estimation unit 135 estimates the borrowing limit of the user U. Furthermore, the limit estimation unit 135 may estimate the interest rate (or interest) of the user U in addition to the borrowing limit of the user U. That is, the credit limit estimation unit 135 may be an interest rate (or interest amount) estimation unit that estimates the interest rate (or interest amount) of the user U.

(Determination unit 136)
The determination unit 136 determines, based on the estimated borrowing limit, whether or not to propose a card loan to the user U. Alternatively, the determination unit 136 determines, based on the availability score, whether or not to propose a card loan to the user U.

(Providing unit 137)
The provision unit 137 presents the estimated borrowing limit amount to the user U and proposes a card loan. For example, when the provision unit 137 determines to propose a card loan to the user U as a result of the determination, the provision unit 137 presents the estimated borrowing limit amount to the user U and proposes the card loan.

In addition, if the estimated borrowing limit exceeds the price of the target product, the providing unit 137 presents the estimated borrowing limit to the user U and proposes a card loan.

The provision unit 137 may also present the estimated borrowing limit amount and target products that can be purchased with the borrowing limit amount to the user U. The provision unit 137 may also present the estimated borrowing limit amount and multiple target products whose total amount falls within the borrowing limit amount to the user U.

5. Processing Procedure
Next, a process performed by the server device 100 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart showing the process according to the embodiment. The process shown below is repeatedly executed by the control unit 130 of the server device 100.

For example, as shown in FIG. 8, the product estimation unit 132 of the server device 100 estimates the target product that the user U wants (step S101).

Next, the annual income estimation unit 133 of the server device 100 estimates the annual income of user U (step S102).

Next, the score estimation unit 134 of the server device 100 estimates an availability score indicating the possibility that user U can obtain a card loan based on the price of the target product and user U's estimated annual income (step S103).

Next, the limit estimation unit 135 of the server device 100 estimates the borrowing limit of the user U based on the availability score (step S104).

Then, the determination unit 136 of the server device 100 determines whether or not to propose a card loan to the user U based on the estimated borrowing limit (step S105). At this time, if the determination unit 136 does not propose a card loan to the user U (step S105: No), the determination unit 136 ends the series of processes without notifying the user U of anything regarding the card loan. In other words, the card loan is not proposed to the user U.

Next, if the determination result is that a card loan should be proposed to user U (step S105: Yes), the provision unit 137 of the server device 100 presents the estimated borrowing limit amount to user U and proposes the card loan (step S106).

6. Modifications
The above-described terminal device 10 and server device 100 may be implemented in various different forms other than the above-described embodiment. Therefore, the following describes modified examples of the embodiment.

In the above embodiment, some or all of the processing executed by the server device 100 may actually be executed by the terminal device 10. For example, the processing may be completed in a stand-alone manner (by the terminal device 10 alone). In this case, the terminal device 10 is assumed to have the functions of the server device 100 in the above embodiment. Also, in the above embodiment, since the terminal device 10 is linked to the server device 100, from the perspective of the user U, it appears that the processing of the server device 100 is also executed by the terminal device 10. In other words, from another perspective, it can also be said that the terminal device 10 is equipped with the server device 100.

The target products according to the above embodiment include home appliances, personal computers (PCs), smartphones, game consoles, cameras and lenses, and unmanned aerial vehicles (UAVs) such as drones. Vehicles), luxury watches, designer bags and accessories, jewelry and accessories, clothing and shoes, antiques, vintage items, rare items, musical instruments (guitars, basses, amps, drums, pianos, electric pianos, stringed instruments, wind instruments, brass instruments, etc.), artworks (paintings, calligraphy, sculptures, crafts, etc.), Western liquor (brandy, whiskey, wine, etc.), sports equipment (golf, surfing, snowboarding, skiing, tennis equipment, etc.), outdoor equipment (camping equipment, barbecue equipment, canoes, kayaks, etc.), fishing equipment (rods, reels, lures, etc.), telescopes and binoculars, bicycles (city bicycles, electric bicycles, road bikes, mountain bikes, folding bicycles, etc.), vehicles (automobiles, motorcycles, etc.), small boats (pleasure boats, motorboats, yachts, personal watercraft, jet skis, etc.), etc.

Target products may also be real estate (detached houses, apartment buildings, offices, stores, warehouses, etc.), equipment, large home appliances (refrigerators, washing machines, air conditioners, massage chairs, etc.), luxury furniture/imported furniture (sofas, tables/chairs, lamps/lighting, mirrors, ornaments, beds, storage furniture, etc.), office furniture/office equipment, store fixtures, and other objects that are in demand for the second-hand market/recycling, repair/cleaning, etc. Equipment may also be sanitary equipment (washbasins, showers, baths, toilets, etc.), water supply equipment, drainage equipment, electrical equipment, gas equipment, kitchen equipment (sinks, stoves, etc.), communication equipment (antennas, communication lines, etc.), etc.

The target product may be a financial product (stocks, bonds, investment trusts, ETFs, REITs, currencies, commodities, etc.), insurance product, travel product, ticket, etc. In other words, the target product is not limited to goods or items, but may be a service product. The target product is not limited to individual products, but may be a product category. In this case, the price of the target product may be the average price (or the median product price) of the target product category. However, the above is merely an example of a target product. In reality, the target product is not limited to these examples.

In addition, in the above embodiment, the card loan is merely an example. In reality, the loan may be other than a card loan. For example, it may be a home loan or a car loan. It may also be a type of loan for which a card is not issued. For example, it may be a loan that is applied for via a smartphone or an electronic payment app. Note that the card loan in the above embodiment also includes small loan services such as app loans.

7. Effects
As described above, the information processing device (terminal device 10 and server device 100) of the present application is characterized by comprising a product estimation unit 132 that estimates a target product desired by user U, an annual income estimation unit 133 that estimates the annual income of user U, a limit estimation unit 135 that estimates the borrowing limit of user U based on the price of the target product and the estimated annual income of user U, and a provision unit 137 that presents the estimated borrowing limit to user U and makes a borrowing proposal.

When displaying a product cart in electronic commerce, the product estimation unit 132 estimates that the product that user U has added to the cart is the target product that user U desires.

The product estimation unit 132 estimates the target product that user U desires based on the attribute information or history information of user U.

The annual income estimation unit 133 estimates the annual income of user U from the attribute information or history information of user U.

The annual income estimation unit 133 estimates the annual income of user U from the target product that user U desires.

The information processing device according to the present application further includes a score estimation unit 134 that estimates an availability score indicating the possibility that user U can borrow based on the price of the target product and the estimated annual income of user U. The limit estimation unit 135 estimates the borrowing limit of user U based on the availability score.

The information processing device according to the present application further includes a determination unit 136 that determines whether or not to propose a loan to the user U based on the estimated loan limit. When proposing a loan to the user U, the provision unit 137 presents the estimated loan limit to the user U and makes the proposal.

If the estimated borrowing limit exceeds the price of the target product, the providing unit 137 presents the estimated borrowing limit to the user U and proposes borrowing.

The provision unit 137 presents the estimated borrowing limit amount and target products that can be purchased with the borrowing limit amount to the user U.

The provision unit 137 presents the estimated borrowing limit and multiple target products whose total amount falls within the borrowing limit to the user U.

By using any one or a combination of the above-mentioned processes, the information processing device according to the present application can present the user with the estimated loan limit at the time of requesting a loan.

8. Hardware Configuration
Moreover, the terminal device 10 and the server device 100 according to the above-described embodiment are realized by a computer 1000 having a configuration as shown in Fig. 9, for example. The server device 100 will be described below as an example. Fig. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are connected by a bus 1090.

The arithmetic device 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 the like, and executes various processes. The arithmetic device 1030 is realized, for example, by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that primarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), a HDD (Hard Disk Drive), a SSD (Solid State Drive), a flash memory, or the like. The secondary storage device 1050 may be an internal storage device or an external storage device. The secondary storage device 1050 may be a removable storage medium such as a USB (Universal Serial Bus) memory or a SD (Secure Digital) memory card. The secondary storage device 1050 may be a cloud storage device (online storage device), a NAS (Network Attached Storage), a file server, or the like.

The output I/F 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a display, projector, printer, etc., and is realized 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 I/F 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, keypad, button, scanner, etc., and is realized by a USB, etc.

In addition, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

The output device 1010 and the input device 1020 may be integrated together, such as a touch panel. In this case, the output I/F 1060 and the input I/F 1070 may also be integrated together as an input/output I/F.

The input device 1020 may be a device that reads information from, 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), a tape medium, a magnetic recording medium, or a semiconductor memory.

The network I/F 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.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output I/F 1060 and the input I/F 1070. For example, the arithmetic unit 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 server device 100, the arithmetic unit 1030 of the computer 1000 executes a program loaded onto the primary storage device 1040 to realize the functions of the control unit 130. The arithmetic unit 1030 of the computer 1000 may also load a program acquired from another device via the network I/F 1080 onto the primary storage device 1040 and execute the loaded program. The arithmetic unit 1030 of the computer 1000 may also cooperate with other devices via the network I/F 1080 and use the functions and data of a program by calling them from another program of the other device.

[9. Other]
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. The above-described components include those that can be easily imagined by a person skilled in the art, those that are substantially the same, and those that are within the so-called equivalent range. Furthermore, the above-described components can be appropriately combined. Furthermore, various omissions, substitutions, or modifications of the components can be made without departing from the spirit of the above-described embodiments.

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 all or part of the processes described as being performed manually can be performed automatically using known methods. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

For example, the above-mentioned server device 100 may be realized by multiple server computers, and depending on the functions, the configuration can be flexibly changed, such as by calling an external platform using an API (Application Programming Interface) or network computing.

The above-described embodiments and variations can be combined as appropriate to the extent that they do not cause inconsistencies in the processing content.

The above-mentioned "section, module, unit" can be read as "means" or "circuit." For example, an acquisition unit can be read as an acquisition means or an acquisition circuit.

REFERENCE SIGNS LIST 1 Information processing system 10 Terminal device 100 Server device 110 Communication unit 120 Storage unit 121 User information database 122 History information database 123 Loan information database 130 Control unit 131 Acquisition unit 132 Product estimation unit 133 Annual income estimation unit 134 Score estimation unit 135 Credit line estimation unit 136 Determination unit 137 Provision unit

Claims (12)

A product estimation unit that estimates a target product desired by the user from attribute information or behavior history information of the user or users in the same segment, or from a user persona of the user ;
an annual income estimation unit that estimates the annual income of the user from attribute information or behavioral history information of the user or users in the same segment, or from a user persona of the user ;
a credit limit estimation unit that estimates a credit limit of the user based on the estimated price of the target product and the estimated annual income of the user ;
a providing unit that presents the estimated borrowing limit to the user and proposes borrowing;
An information processing device comprising: The information processing device according to claim 1 , wherein the product estimation unit estimates, when displaying a product cart in electronic commerce, that a product added to the cart by the user is a target product desired by the user. The information processing device according to claim 1 , wherein the product estimation unit estimates whether or not the target product desired by the user is included in a target product list that lists predetermined target products prepared in advance. The information processing device according to claim 1, characterized in that the annual income estimation unit constructs an annual income prediction model from the user's attribute information or behavioral history information, or from the user's user persona, and estimates the user's annual income using the annual income prediction model. The information processing device according to claim 1 , wherein the annual income estimation unit estimates the annual income of the user from the estimated price of the target product. The method further includes a score estimation unit that estimates an availability score indicating the possibility that the user can obtain a loan based on the estimated price of the target product and the estimated annual income of the user,
The information processing device according to claim 1 , wherein the limit estimation unit estimates a borrowing limit of the user based on the availability score. A determination unit that determines whether or not to offer a loan to the user based on the estimated loan limit amount,
The information processing device according to claim 1 , wherein the provision unit, when making a loan proposal to the user, presents the estimated loan limit to the user to make the loan proposal. The information processing device according to claim 1 , wherein the providing unit, when the estimated borrowing limit exceeds a price of the target product, presents the estimated borrowing limit to the user and proposes borrowing. The information processing device according to claim 1 , wherein the providing unit presents the estimated borrowing limit amount and target products that can be purchased with the borrowing limit amount to the user. The information processing device according to claim 1 , wherein the provision unit presents to the user the estimated borrowing limit amount and a plurality of target products whose total amount falls within the borrowing limit amount. An information processing method executed by an information processing device,
A product estimation step of estimating a target product desired by the user from attribute information or behavioral history information of the user or users in the same segment, or from a user persona of the user ;
An annual income estimation step of estimating the annual income of the user from attribute information or behavioral history information of the user or users in the same segment, or from a user persona of the user ;
a limit estimation step of estimating a loan limit of the user based on the estimated price of the target product and the estimated annual income of the user ;
a providing step of presenting the estimated borrowing limit amount to the user and proposing a borrowing offer;
13. An information processing method comprising: A product estimation step of estimating a target product desired by the user from attribute information or behavior history information of the user or users in the same segment, or from a user persona of the user ;
an annual income estimation step of estimating the annual income of the user from attribute information or behavioral history information of the user or users in the same segment, or from a user persona of the user ;
a limit estimation step of estimating a loan limit of the user based on the estimated price of the target product and the estimated annual income of the user ;
a provision step of presenting the estimated borrowing limit amount to the user and making a borrowing proposal;
An information processing program characterized by causing a computer to execute the above.

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