JP6494848B2 - Determination apparatus, determination method, and determination program - Google Patents

Description

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

  In recent years, with the development of communication networks, various services are provided via networks. Examples of services via a network include financial services such as loans to companies and individuals, and issuance of credit cards.

  For example, as a technique related to a financial service via a network, a system is known in which loan conditions are determined based on store operation result data including accumulation of the latest data generated with store operation.

JP 2014-182572 A

  However, with the above-described conventional technology, it is difficult to determine credit information for individuals. Specifically, the above-described conventional technology determines credit information based on performance data associated with store operations, and individuals who are difficult to obtain data corresponding to performance data associated with store operations. It is difficult to properly determine credit information.

  The present application has been made in view of the above, and an object thereof is to provide a determination apparatus, a determination method, and a determination program capable of determining credit information for an individual.

  The determination device according to the present application includes an acquisition unit that acquires position information of a terminal device used by a user, position information acquired by the acquisition unit, and information related to the user that the user has registered in a predetermined financial service in the past. A detection unit that detects a change in position information relating to user information, and a determination unit that determines a change in the user information based on a change in position information detected by the detection unit. And

  According to one aspect of the embodiment, there is an effect that it is possible to determine credit information for an individual.

FIG. 1 is a diagram illustrating an example of a determination process according to the first embodiment. FIG. 2 is a diagram illustrating a configuration example of the determination system according to the first embodiment. FIG. 3 is a diagram illustrating a configuration example of a user terminal according to the first embodiment. FIG. 4 is a diagram illustrating a configuration example of the determination apparatus according to the first embodiment. FIG. 5 is a diagram illustrating an example of the position information storage unit according to the first embodiment. FIG. 6 is a diagram illustrating an example of a user information storage unit according to the first embodiment. FIG. 7 is a flowchart illustrating a determination processing procedure according to the first embodiment. FIG. 8 is a diagram illustrating an example of a determination process according to the second embodiment. FIG. 9 is a diagram for explaining the determination processing according to the second embodiment. FIG. 10 is a diagram illustrating a configuration example of a determination device according to the second embodiment. FIG. 11 is a diagram illustrating an example of a position information storage unit according to the second embodiment. FIG. 12 is a flowchart illustrating a determination processing procedure according to the second embodiment. FIG. 13 is a hardware configuration diagram illustrating an example of a computer that realizes the function of the determination apparatus.

  Hereinafter, modes for carrying out a determination apparatus, a determination method, and a determination program according to the present application (hereinafter referred to as “embodiments”) will be described in detail with reference to the drawings. Note that the determination device, the determination method, and the determination program according to the present application are not limited by this embodiment. In addition, the embodiments can be appropriately combined within a range that does not contradict processing contents. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

[1. Example of determination processing according to first embodiment]
First, an example of determination processing according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a determination process according to the first embodiment. FIG. 1 shows an example in which the determination device 100 performs a process of determining credit information about a user when the user uses a predetermined financial service.

  A determination apparatus 100 illustrated in FIG. 1 is a server apparatus that acquires information transmitted from a terminal and determines credit information based on the acquired information. The information acquired by the determination apparatus 100 includes, for example, terminal position information acquired by a sensor in the terminal.

  A user terminal 10 shown in FIG. 1 is an information processing terminal used by a user U01. For example, the user terminal 10 is realized by a smartphone, a tablet terminal, or the like. For example, the user terminal 10 uses GPS (Global Positioning System) to acquire position information that is information indicating a position where the own device exists. Then, the user terminal 10 continuously transmits the detected position information to the determination apparatus 100, for example, in accordance with a request from the determination apparatus 100. In the following description, the user terminal 10 may be referred to as the user U01.

  In the first embodiment, the determination apparatus 100 performs processing for determining credit information related to the user U01 when the user U01 intends to use a predetermined financial service. In the example of FIG. 1, the determination apparatus 100 determines credit information regarding the user U01 when the user U01 applies for a new issuance of a credit card as an example of a financial service.

  In general, a business operator who uses a financial service examines the credit information of the user U01 based on information received from the user U01, and determines whether or not to provide the service to the user U01 (for example, to the user U01). Whether or not credit card issuance is permitted. For example, the business operator accepts information such as the name, gender, age of the user U01, occupation, work place, asset information, etc., and examines the user U01.

  However, there is a possibility that information received from the user U01 includes false information and information that the user U01 himself has declared erroneously. In addition, even if it is attempted to confirm the user information of the user U01 with a public certificate, if the user U01 presents an old public certificate, it is difficult for the business operator to confirm the authenticity of the information. It is. In addition, the business operator can confirm whether or not the user U01 belongs to the company by performing a telephone check or the like to the company to which the user U01 belongs, but is not necessarily able to contact the user U01. In some cases, it may be troublesome to make many calls.

  Therefore, the determination apparatus 100 compares the user information received from the user U01 with the position information detected from the user terminal 10 or information estimated from the position information, as will be described below. Determine credit information. Thereby, since the determination apparatus 100 can accurately capture information related to the user U01 when the user U01 intends to use the financial service, the determination apparatus 100 can accurately determine the credit information of the user U01. Hereinafter, this determination process will be described along the flow with reference to FIG. In the example of FIG. 1, the description will be made assuming that the determination apparatus 100 itself is a business provider that provides financial services for the sake of simplicity.

  First, the determination apparatus 100 acquires position information of the user terminal 10 (step S01). For example, the determination apparatus 100 identifies the user terminal 10 based on cookie information or the like when the user terminal 10 uses a website related to financial services. Then, the determination apparatus 100 continuously acquires position information from the identified user terminal 10. For example, the determination apparatus 100 acquires the position information of the user terminal 10 every predetermined time (for example, 1 hour). The determination apparatus 100 associates the acquired position information with information such as the date and time of the acquisition of the position information and the day of the week, and accumulates them in a predetermined storage unit.

  Then, the determination apparatus 100 estimates the living area of the user U01 based on the acquired position information. For example, the determination apparatus 100 estimates an area where it is estimated that the home of the user U01 is based on the position information of the user terminal 10 in the early morning or night of weekdays. Further, the determination apparatus 100 estimates an area where the user U01 regularly attends, for example, a range estimated as the workplace of the user U01, based on the position information of the user terminal 10 during the daytime on weekdays. Moreover, the determination apparatus 100 may estimate information about the user, such as whether or not the user U01 has a regular job, based on the transition of the position information of the user terminal 10 during the daytime on weekdays.

  For example, as illustrated in FIG. 1, the determination apparatus 100 maps a predetermined range in which the user terminal 10 exists to coordinates in accordance with position information. The example of FIG. 1 is an example in which a range having a relatively high probability that the position information of the user terminal 10 is distributed is mapped by coordinates. For example, in the map 50 of FIG. 1, the range indicated by the coordinates of 1 in the vertical direction and 1 in the horizontal direction from the base point at the upper left of the map 50 is the position information P11. Similarly, the range indicated by the coordinates of the vertical 2 and the horizontal 1 from the base point of the map 50 is the position information P12, the range indicated by the vertical 3 and the horizontal 1 coordinates from the upper left base point of the map 50. Is position information P13.

  In the map 50, in the position information acquired from the user terminal 10, a range where the probability that the user terminal 10 is located (that is, a probability distribution is high) is indicated by hatching. Note that the probability distribution may indicate the probability in all pieces of position information acquired for the user U01, or the probability that the user U01 is located in a predetermined range when narrowed down to a specific time zone or day of the week. May be shown.

  In the example shown in FIG. 1, the position information P47 is indicated by relatively dark hatching. This indicates that the user terminal 10 is located in the range indicated by the position information P47 for a relatively long time. For example, the position information P47 indicates position information corresponding to a range indicating a distribution value exceeding a predetermined threshold in the probability distribution indicating the probability that the user terminal 10 is located in the range indicated by the map 50. In addition, as shown in FIG. 1, the range indicated by the position information P55 is also indicated by relatively dark hatching on the map 50. This also indicates that the user terminal 10 is present for a relatively long time within the range indicated by the position information P55.

  Furthermore, the determination apparatus 100 acquires information that the user terminal 10 is relatively located in the range indicated by the position information P47 in the early morning, night, and holiday on weekdays. Specifically, the determination apparatus 100 is information that information indicating the position acquired from the user terminal 10 (for example, longitude and latitude information acquired by GPS) is relatively large and distributed in the range indicated by the position information P47. To get. In this case, the determination apparatus 100 estimates that the range indicated by the position information P47 is a range where the home address of the user U01 exists, that is, a living area near the residence of the user U01. Moreover, the determination apparatus 100 acquires information that the user terminal 10 is relatively located in the range indicated by the position information P55 during the daytime on weekdays. In this case, the determination apparatus 100 estimates that the range indicated by the position information P55 is a range where the work place of the user U01 exists.

  For example, the determination apparatus 100 receives the setting for performing such estimation in advance, and executes the above estimation process by comparing the received setting with the position information. Specifically, when the probability distribution of a predetermined range exceeds a predetermined threshold, the determination apparatus 100 estimates that the address or work place of the user U01 exists in the range. As an example, the determination apparatus 100 includes a predetermined range of statistical position information (for example, the position information of the user U01 acquired by focusing on a time period from 6 am to 8 am with a period of one week). When the probability distribution indicating the probability that the user U01 is located in excess of “0.5 (50%)”, it is estimated that the address of the user U01 exists in the range. Alternatively, the determination apparatus 100 may include the user within a predetermined range of the statistical position information (for example, the position information of the user U01 acquired by narrowing the time period from 10:00 to 18:00 in the evening with a period of one week). When the probability distribution indicating the probability that U01 is located exceeds “0.5 (50%)”, it is estimated that the work place of the user U01 exists in the range.

  Thereafter, the determination apparatus 100 accepts an offer to use a financial service from the user U01. In the example of FIG. 1, the determination apparatus 100 accepts an application for new issuance of a credit card (step S02). Note that an apparatus that actually accepts an application for new issuance of a credit card may be an external web server that provides financial services, instead of the determination apparatus 100.

  In this case, the determination apparatus 100 receives from the user terminal 10 input of user information that is information used in the financial service and is information related to the user U01. For example, the determination apparatus 100 receives information about the user U01 input by the user U01 when applying for card issuance via an application page on a website that provides financial services.

  For example, the determination apparatus 100 receives, as user information, attribute information such as the name, age, and family structure of the user U01, information such as the address, occupation, and workplace of the user U01, and the annual income and debt amount of the user U01. .

  As described above, information received from the user U01 may include information whose information is not true or false. Therefore, the determination apparatus 100 performs a process of comparing the information input from the user U01 with the position information acquired from the user terminal 10 (step S03).

  Specifically, the determination apparatus 100 determines the credit information of the user U01 based on a comparison between the user information received from the user U01 and the user information estimated from the acquired position information. For example, the determination apparatus 100 determines whether the address received from the user U01 is included in the living area of the user U01 indicated by the position information P47. Then, when the received address is included in the living area, the determination device 100 determines that the information received from the user U01 is true. Moreover, the determination apparatus 100 determines whether the location of the company that the user U01 belongs to is included in the range of the position information P55 where the user terminal 10 is located relatively much in the daytime on weekdays. Then, when the reported company location is included in the range indicated by the position information P55, the determination apparatus 100 determines that the information received from the user U01 is true.

  As described above, the determination apparatus 100 determines whether or not a wrinkle occurs between information estimated based on position information acquired continuously and user information received from the user U01. Then, the determination device 100 uses the input information on the assumption that the information input from the user U01 is true when there is no wrinkle between the input information and the information estimated from the position information. Determine credit information. Alternatively, when there is a discrepancy between the input user information and the information estimated from the position information, the determination apparatus 100 checks the user U01 or performs a process of reducing the credit information of the user U01. Also good.

  That is, the determination apparatus 100 improves the accuracy of determination of trust information by determining the trust information of the user U01 after confirming the authenticity of the user information self-reported by the user U01 based on the position information.

  Then, the determination apparatus 100 examines whether or not a card is issued based on the credit information determined for the user U01. Subsequently, the determination apparatus 100 transmits examination information to the user terminal 10 (step S04). For example, the determination apparatus 100 transmits a notification to the user terminal 10 that the card issuance is permitted to the user U01.

  As described above, the determination apparatus 100 according to the first embodiment receives, from the user U01, input of user information that is information used in a predetermined financial service and is information related to the user U01. And the determination apparatus 100 determines the credit information regarding the user U01 based on the comparison with the received user information and the information estimated from the positional information of the user terminal 10 which the user U01 uses.

  For example, the determination apparatus 100 according to the first embodiment determines whether or not a wrinkle occurs between information estimated based on position information and user information received from the user U01. Then, for example, the determination device 100 excludes false information or incorrect information from the information reported by the user U01, and uses the information according to the actual life of the user U01 to obtain the credit information for the user U01. Can be determined. Thereby, the determination apparatus 100 accurately determines credit information for individuals in financial services for individuals who are difficult to obtain accurate data such as store operation data unlike business operators. Can do.

  In the example of FIG. 1 described above, the determination apparatus 100 indicates that the position information detected by the user terminal 10 is acquired from the user terminal 10. However, the determination apparatus 100 may acquire the position information by crawling the user terminal 10 every predetermined time regardless of transmission from the user terminal 10. Further, the determination apparatus 100 may continuously acquire the position information via a program (for example, a smartphone-dedicated application) installed in the user terminal 10. In this case, the determination apparatus 100 does not necessarily acquire the position information detected by the user terminal 10 itself, but the determination apparatus 100 specifies the position of the user terminal 10 based on the information detected from the user terminal 10 The obtained information may be used as the position information of the user terminal 10.

[2. (Configuration of judgment system)
Next, the configuration of the determination system 1 including the determination apparatus 100 according to the first embodiment will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the determination system 1 according to the first embodiment. As illustrated in FIG. 2, the determination system 1 according to the first embodiment includes a user terminal 10, a web server 30, and a determination device 100. These various devices are communicably connected via a network N by wire or wireless. Further, the number of devices included in the determination system 1 illustrated in FIG. 2 is not limited to that illustrated. For example, the determination system 1 may include a plurality of user terminals 10 and a plurality of web servers 30.

  As described above, the user terminal 10 is an information processing terminal such as a mobile phone including a smartphone, a tablet terminal, a desktop PC (Personal Computer), a notebook PC, or a PDA (Personal Digital Assistant). The user terminal 10 also includes a wearable device that is a glasses-type or watch-type information processing terminal. Furthermore, the user terminal 10 may include various smart devices having an information processing function for acquiring position information. For example, the user terminal 10 may include a smart home appliance such as a TV (television), a refrigerator, and a vacuum cleaner, a smart vehicle such as an automobile, a drone, and a home robot.

  The user terminal 10 acquires and stores the position information of the own device according to the operation by the user and the function of the user terminal 10. For example, the user terminal 10 acquires position information by communicating with an external system such as the GPS system described above. Then, the user terminal 10 transmits the acquired position information to the determination device 100.

  The web server 30 is a server device that delivers a service page (web page) included in a website that provides various services to the user terminal 10. For example, the web server 30 is related to a portal site, news site, auction site, weather forecast site, shopping site, finance (stock price) site, route search site, map providing site, travel site, restaurant introduction site, web blog, etc. Web pages including various information to be distributed to the user terminal 10.

  In the first embodiment, the web server 30 delivers a web page including various information related to a financial service site to the user terminal 10, for example. In this case, the web server 30 accepts a new application for a credit card from the user or accepts input of user information from the user via the web page. As shown in the example of FIG. 1, the web server 30 that provides the financial service and the determination device 100 may be integrated.

  As described above, the determination device 100 is a server device that determines the user's credit information based on the comparison between the information estimated from the position information of the user terminal 10 and the user information received from the user.

[3. Configuration of user terminal]
Next, the configuration of the user terminal 10 according to the first embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating a configuration example of the user terminal 10 according to the first embodiment. As illustrated in FIG. 3, the user terminal 10 includes a communication unit 11, an input unit 12, a display unit 13, a detection unit 14, and a control unit 15.

  The communication unit 11 is connected to the network N by wire or wireless, and transmits / receives information to / from the determination device 100 and the web server 30. For example, the communication unit 11 is realized by a NIC (Network Interface Card) or the like.

  The input unit 12 is an input device that receives various operations from the user. For example, the input unit 12 is realized by an operation key or the like provided in the user terminal 10. The display unit 13 is a display device for displaying various information. For example, the display unit 13 is realized by a liquid crystal display or the like. In addition, when a touch panel is employ | adopted for the user terminal 10, a part of input part 12 and the display part 13 are integrated.

  The detection unit 14 detects various information related to the user terminal 10. Specifically, the detection unit 14 detects the physical state of the user terminal 10. In the example illustrated in FIG. 3, the detection unit 14 includes a position detection unit 14a.

  The position detection unit 14 a detects the current position of the user terminal 10. Specifically, the position detection unit 14a receives radio waves transmitted from GPS satellites, and detects position information (for example, latitude and longitude) indicating the current position of the user terminal 10 based on the received radio waves. Note that the position detection unit 14a may acquire position information by a different method. For example, when the user terminal 10 has a function equivalent to that of a contactless IC card used at a station ticket gate or a store (or the user terminal 10 has a function of reading a history of the contactless IC card) ), The used position is recorded together with the information on the settlement of the boarding fee at the station by the user terminal 10. The position detector 14a detects this information and acquires it as position information. The position detection unit 14a may detect position information that can be acquired from an access point when the user terminal 10 communicates with a specific access point. Further, the position detection unit 14a may detect a position where the user terminal 10 is estimated to be located based on identification information (such as an IP address) when the user terminal 10 is connected to the Internet.

  The detection unit 14 is not limited to the position detection unit 14a, and may include various devices that detect various states of the user terminal 10. For example, the detection unit 14 is a microphone that collects sound around the user terminal 10, an illuminance sensor that detects illuminance around the user terminal 10, and an acceleration sensor that detects physical movement of the user terminal 10 (or A gyro sensor), a humidity sensor that detects the humidity around the user terminal 10, a geomagnetic sensor that detects a magnetic field at the location of the user terminal 10, and the like. In addition, the detection unit 14 may detect various information using a sensor function. For example, the detection unit 14 may detect the number of walks of the user who uses the user terminal 10 using the function of the acceleration sensor. In addition, the detection unit 14 uses the function of the acceleration sensor to display operation information indicating whether the user terminal 10 is operating or stationary at every predetermined time interval or every timing at which the user terminal 10 is operated. It may be detected.

  The control unit 15 is, for example, a controller, and various programs stored in a storage device inside the user terminal 10 are stored in a RAM (Random Access Memory) by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. ) Is executed as a work area. The control unit 15 is a controller, and is realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  The control unit 15 controls processing for providing the determination apparatus 100 with the location information of the user terminal 10. For example, the control unit 15 executes and controls a program (application) for realizing the location information providing process of the user terminal 10. The program may be installed in the user terminal 10 in advance, or downloaded from the server device (determination device 100 or an external server that provides various programs) according to an operation by the user U01 having the user terminal 10, and the user terminal 10 May be installed.

  As shown in FIG. 3, the control unit 15 includes an acquisition unit 16 and a transmission unit 17, and realizes or executes information processing functions and operations described below. For example, the control unit 15 implements the acquisition unit 16 and the transmission unit 17 by executing the above-described program using the RAM as a work area. The internal configuration of the control unit 15 is not limited to the configuration illustrated in FIG. 3, and may be another configuration as long as the information processing described later is performed. Further, the connection relationship between the processing units included in the control unit 15 is not limited to the connection relationship illustrated in FIG. 3, and may be another connection relationship.

  The acquisition unit 16 acquires position information. Specifically, the acquisition unit 16 controls the detection unit 14 to acquire various types of information detected by the detection unit 14 as position information. For example, the acquisition unit 16 acquires the position information of the user terminal 10 and the time information corresponding to the time when the position information was detected as the position information by controlling the position detection unit 14a.

  Moreover, the acquisition part 16 may acquire the information regarding the condition of the communication which the communication part 11 performs as position information. For example, the acquisition unit 16 may acquire the mutual communication status between the user terminal 10 and a predetermined access point. In addition, when the user terminal 10 has a call function, the acquisition unit 16 may acquire information such as a time when a call is performed, a call destination, and a call time. In addition, when the user terminal 10 has a shooting function, the acquisition unit 16 may acquire information such as time when shooting was performed, position information where shooting was performed, and shooting time. And the acquisition part 16 may acquire the positional information on the user terminal 10 based on such information.

  The timing at which the acquisition unit 16 acquires the position information may be determined in advance by the control unit 15. For example, the acquisition unit 16 acquires position information on a regular basis (every minute, every three minutes, every five minutes, every hour, etc.). In addition, the timing at which the acquisition unit 16 acquires position information may be set by the determination device 100. The acquisition unit 16 may acquire position information at a timing when a predetermined event occurs. For example, the acquisition unit 16 acquires the position information as a predetermined event when the above-described non-contact type IC card function is used or when camera shooting is performed.

  The transmission unit 17 transmits the position information acquired by the acquisition unit 16 to the determination device 100. For example, the transmission unit 17 transmits identification information for identifying the user terminal 10, the position information acquired by the acquisition unit 16, and the acquisition date and time when the position information is acquired by the acquisition unit 16 to the determination apparatus 100. To do. At this time, the transmission unit 17 may transmit the position information or the like to the determination apparatus 100 every time the acquisition unit 16 acquires the position information, or transmits the position information or the like to the determination apparatus 100 every predetermined period. May be. For example, the transmission unit 17 transmits the position information to the determination apparatus 100 periodically (every minute, every three minutes, every five minutes, every hour, etc.). In addition, the timing at which the transmission unit 17 acquires position information may be set by the determination device 100.

[4. Configuration of determination apparatus according to first embodiment]
Next, the configuration of the determination apparatus 100 according to the first embodiment will be described with reference to FIG. FIG. 4 is a diagram illustrating a configuration example of the determination apparatus 100 according to the first embodiment. As illustrated in FIG. 4, the determination apparatus 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The determination device 100 includes an input unit (for example, a keyboard and a mouse) that receives various operations from an administrator who uses the determination device 100, and a display unit (for example, a liquid crystal display) that displays various types of information. You may have.

(About the communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 10 and the web server 30 via the network N.

(About the storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 120 includes a position information storage unit 121 and a user information storage unit 122.

(About the position information storage unit 121)
The position information storage unit 121 stores information regarding the position information of the user terminal 10. Here, FIG. 5 shows an example of the position information storage unit 121 according to the first embodiment. FIG. 5 is a diagram illustrating an example of the position information storage unit 121 according to the first embodiment. In the example illustrated in FIG. 5, the position information storage unit 121 includes items such as “terminal ID”, “user ID”, “acquisition date / time”, and “position information”.

  “Terminal ID” indicates identification information for identifying the user terminal 10. “User ID” indicates identification information for identifying a user. In the embodiment, it is assumed that the identification information matches a reference symbol used for description. For example, the terminal identified by the terminal ID “10” indicates the user terminal 10. The user identified by the user ID “U01” indicates the user U01.

  “Acquisition date and time” indicates the date and time when the position information was acquired by the user terminal 10 or the determination device 100. Note that FIG. 5 shows an example in which the position information is stored every 4 hours or every day, but actually, the position information is acquired at more detailed intervals (for example, every 5 minutes). Also good. “Position information” indicates position information of the user terminal 10. FIG. 5 shows an example in which the information related to the mapping shown in FIG. 1 such as “P47” is stored as “position information”. However, the position information may be measured values such as longitude and latitude, access point position information, It may be indicated by the position of the station ticket gate.

  In other words, FIG. 5 shows that the user terminal 10 identified by the terminal ID “10” is a terminal device used by the user U01 identified by the user ID “U01”. As an example of the position information, the position information acquired on “October 1, 2016, 8:00” indicates that the user terminal 10 is located in the range indicated by the position information “P47”. As another example of the position information, the position information acquired on “October 1, 2016 12:00” indicates that the user terminal 10 is located in the range indicated by the position information “P55”.

(User information storage unit 122)
The user information storage unit 122 stores information about the user. Here, FIG. 6 illustrates an example of the user information storage unit 122 according to the first embodiment. FIG. 6 is a diagram illustrating an example of the user information storage unit 122 according to the first embodiment. As shown in FIG. 6, the user information storage unit 122 includes items such as “user ID”, “application date”, “address”, “profession”, “annual income”, “age”, and “credit information”.

  “User ID” indicates identification information for identifying a user. “Service ID” indicates identification information for identifying a predetermined financial service. “Application date” indicates the date on which the user applied for the use of a predetermined financial service.

  “Address” indicates an address of information input by the user when applying for use of a predetermined financial service. “Occupation” indicates the occupation in the information input from the user. The occupation item may include information such as the name of the company where the employee works and the length of service. “Annual income” indicates the annual income among the information input by the user. “Age” indicates the age among the information input by the user. Note that each item of user information is represented by a concept such as “A01”, but is actually represented by specific information indicating each item. For example, the item of the address is indicated by the name of the prefecture or the city / town / village name which is the address of the user U01.

  “Credit information” is credit information in a predetermined financial service applied by the user, and indicates credit information determined by the determination unit 133 described later. In the example illustrated in FIG. 6, the credit information is represented by a concept such as “E01”, but actually, the credit information is an index value calculated for each service (for example, an index value indicated by a numerical value of 1 to 100). ) Etc.

  That is, FIG. 6 shows an example in which the user U01 indicated by the user ID “U01” has applied for “October 5, 2016” to the financial service identified by the service ID “X01”. At this time, in the user information received from the user U01, the address is “A01”, the occupation is “B01”, the annual income is “C01”, and the age is “D01”. In the service, the credit information of the user U01 is “E01”.

(About the control unit 130)
The control unit 130 is, for example, a controller, and various programs (corresponding to an example of a determination program) stored in a storage device inside the determination apparatus 100 are executed by the CPU, MPU, or the like using the RAM as a work area. Realized. The control unit 130 is a controller, and is realized by an integrated circuit such as an ASIC or FPGA, for example.

  As illustrated in FIG. 4, the control unit 130 includes an acquisition unit 131, a reception unit 132, a determination unit 133, and a transmission unit 134, and realizes or executes information processing functions and operations described below. . Note that the internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 4, and may be another configuration as long as information processing described later is performed. In addition, the connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship illustrated in FIG. 4, and may be another connection relationship.

(About the acquisition unit 131)
The acquisition unit 131 acquires various types of information. For example, the acquisition unit 131 acquires position information of the user terminal 10 from the user terminal 10 used by the user. Specifically, the acquisition unit 131 acquires various pieces of information detected or acquired by the user terminal 10 as position information. The acquisition unit 131 acquires position information from the user terminal 10 at predetermined time intervals, and stores the acquired position information in the position information storage unit 121.

  The acquisition unit 131 does not need to acquire position information itself used by each processing unit described later. For example, the acquisition unit 131 may acquire the position information of the user terminal 10 based on information detected from the user terminal 10 used by the user. Specifically, even when the determination unit 133 uses information indicating a predetermined range such as the position information P47 illustrated in FIG. 1 for processing, the acquisition unit 131 receives the position information P47 itself from the user terminal 10. Does not require acquisition. That is, the acquisition unit 131 acquires position information indicated by longitude and latitude from the user terminal 10, converts information detected from the acquired longitude and latitude into information indicating a predetermined range such as position information P47, The converted information may be stored in the position information storage unit 121.

  The acquisition unit 131 may acquire position information together with date / time information including day information. As described above, the determination process may be performed based on the relationship with the date and day of the week, such as the position where the user is located early in the morning on weekdays, the position located during the daytime on weekdays, and the position located on holidays. is there. For this reason, the acquisition unit 131 may increase the information amount of the position information acquired by acquiring the position information together with the date and time information including the day of the week information, and may perform determination processing with higher accuracy.

  Moreover, the acquisition part 131 does not necessarily need to acquire position information at the same time as the time when the user terminal 10 acquired position information. That is, the acquisition unit 131 may acquire the position information stored in the storage unit of the user terminal 10 when it is used for processing, instead of acquiring the position information in real time. Specifically, the acquisition unit 131 may further acquire position information at a predetermined time corresponding to the time when the determination process is attempted. For example, when the determination process is attempted at “8:00” on “Monday”, the acquisition unit 131 determines that the user terminal at “8:00” on “Monday” the week before that Ten pieces of position information may be newly acquired. As described above, the acquisition unit 131 acquires position information between corresponding time zones, so that the determination unit 133 described later can perform a determination process of comparing position information between corresponding time zones. It becomes.

  Further, the acquisition unit 131 may acquire the communication status between the user terminal 10 and another device as the position information. Specifically, the acquisition unit 131 acquires a communication status in which the user terminal 10 is accessing the Internet or the like via an access point. In this case, the acquisition unit 131 acquires information detected from the communication status with the access point as position information. Specifically, the acquisition unit 131 may determine the installation position of the access point in communication with the user terminal 10 and acquire the determined installation position of the access point as the position information of the user terminal 10. In addition, as described above, the acquisition unit 131 acquires the location information of the user terminal 10 by detecting communication between the station ticket gate device and the user terminal 10, or the location information based on the IP address of the user terminal 10. Or you may get

(About the reception unit 132)
The receiving unit 132 receives various information. For example, the reception unit 132 receives input of user information, which is information used in a predetermined financial service and is information about the user, from the user. Specifically, the accepting unit 132 accepts, as user information, user attribute information, user asset information used for examination of financial services, and the like via the user terminal 10.

  The reception unit 132 receives, for example, attributes such as the user's address, gender, and age, and information such as the user's annual income and occupation. Furthermore, the reception unit 132 may receive, as user information, whether or not the user has a regular job and information on the user's assets and liabilities. The receiving unit 132 stores the received information in the user information storage unit 122 as appropriate.

(About the determination unit 133)
The determination unit 133 determines the credit information related to the user based on the comparison between the user information received by the reception unit 132 and the position information detected from the user terminal 10 used by the user. For example, the determination unit 133 determines the credit information by comparing the user information with information estimated from the position information and corresponding to the user information.

  Specifically, the determination unit 133 determines the credit information based on the comparison between the user address received as the user information and the user address estimated from the position information. Further, the determination unit 133 may determine the credit information based on a comparison between information regarding the user's occupation accepted as the user information and information regarding the user's occupation estimated from the position information. In this case, the occupation may include not only information on the occupation itself, but also information on the company name of the place of work, work form, work place, and the like.

  For example, when there is a discrepancy between the user information and the information estimated from the position information, the determination unit 133 performs a process of determining the credit information for the user to be relatively low. Moreover, the determination part 133 may determine a user's credit information according to the user information determined to be true based on the position information. For example, the determination unit 133 determines the user's credit information according to whether the user address of the user information determined to be true belongs to an area where there are relatively many high-income earners, or the work place is a partially listed company. You may judge high. Such credit information may be determined by using a known credit information determination method as appropriate.

  For example, the determination unit 133 sets a predetermined range (for example, a range indicated by the position information P47 shown in FIG. 1) according to the position information, and a probability that is a distribution indicating the probability that the user is located in the predetermined range. Information corresponding to the user information may be estimated based on the distribution.

  More specifically, the determination unit 133 estimates information corresponding to user information based on a probability distribution for each time slot of the day, a probability distribution for each day of the week, or a probability distribution for each weekday or holiday. Further, the determination unit 133 may estimate a predetermined range in which the probability distribution exceeds a predetermined threshold among the set predetermined ranges as the user's address or work place.

  For example, the determination unit 133 includes a predetermined range where the user is located early in the morning (for example, until 8:00 am) and the user is located at night (for example, after 8:00 pm) in the day time zone. The range having the highest probability distribution with the predetermined range is estimated as the user's address. Alternatively, the determination unit 133 estimates a range where the probability distribution of the predetermined range where the user is located in the time zone other than early morning and night in the day time zone is the highest as the user's work place.

  The determination unit 133 may refer to a predetermined database when estimating the user's office. For example, the determination unit 133 refers to the database in which the company information is recorded as to whether the work place received from the user is actually located at the position estimated from the position information, based on the user information and the position information. You may make it collate with the estimated information.

(About the transmitter 134)
The transmission unit 134 transmits various types of information. For example, the transmission unit 134 transmits the result of the determination process performed by the determination unit 133 to the user terminal 10 that has transmitted that a determination request has been made.

  Specifically, the transmission unit 134 transmits information related to a predetermined financial service to the user based on the information estimated based on the location information or the credit information determined by the determination unit 133. For example, if there is a discrepancy between the user's address or work place estimated based on the location information and the address or work place accepted by the accepting unit 132, the transmission unit 134 may return the address or work place to the user. Sends notifications prompting employees to enter work and notifications to confirm the authenticity of the address and work. For example, the transmission unit 134 transmits information related to a predetermined financial service to the user by using a function such as mail or push notification.

  In addition, when it is determined that the user information received from the user has a certain level of reliability based on the credit information determined by the determination unit 133, the transmission unit 134 has contents according to the reliability, Information regarding a predetermined financial service may be transmitted to the user.

  For example, it is assumed that the determination unit 133 determines that there is no defect between the user information received from the user and the information corresponding to the user information estimated from the position information. In this case, the determination unit 133 determines credit information higher than usual for the user. Then, when it is determined that the user information has a certain level of reliability based on the value of the credit information, the transmission unit 134 transmits, for example, information regarding preferential treatment when using the financial service.

  Specifically, when the user has applied for a credit card, the transmission unit 134 transmits information to the user such as raising the limit than usual or presenting a preferential interest rate. Moreover, the transmission part 134 may increase the amount of loan from usual, when the user is offering the loan.

  Note that the transmission unit 134 may change the user information according to specific information such as, for example, a region where the user lives or a region where a relatively large amount of high-income earners are present, or a workplace is a partly listed company. The reliability may be determined. Also in this case, the transmission unit 134 appropriately transmits information such as an increase in the limit amount or an increase in the loan to the user. Note that such a numerical value for raising the limit amount may be set in advance by the administrator of the determination apparatus 100 and stored in the storage unit 120.

  Further, the transmission unit 134 determines the timing for transmitting information related to the predetermined financial service to the user according to the information estimated based on the position information, and transmits information related to the predetermined financial service at the determined timing. You may do it.

  For example, the transmission unit 134 learns the timing at which the user is estimated to be at home or the timing at which the user is estimated to be at the office based on the position information acquired by the acquisition unit 131. Specifically, the transmission unit 134 learns about a predetermined user, such as a user who is often at home until 8 am on weekdays and is often at work after 9 am on weekdays. To do. And the transmission part 134 transmits the information regarding a financial service in the time slot | zone and place with a high probability that a user will reply with respect to transmission based on a learning result. Thereby, since the transmission part 134 can raise the probability that the information transmitted to the user will be confirmed by the user, and the probability that it will be returned from the user, smooth transmission of information can be performed.

[5. Processing procedure according to first embodiment]
Next, a procedure of processing performed by the determination apparatus 100 according to the first embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating a determination processing procedure according to the first embodiment.

  As illustrated in FIG. 7, the acquisition unit 131 determines whether position information has been acquired from the user terminal 10 (step S101). If the acquisition unit 131 has not acquired position information (step S101; No), the acquisition unit 131 waits until acquisition.

  On the other hand, when the position information is acquired (step S101; Yes), the acquisition unit 131 stores the acquired position information in the position information storage unit 121 and accumulates it (step S102).

  Thereafter, the reception unit 132 determines whether or not input of user information has been received from the user (step S103). In other words, the reception unit 132 determines whether an application regarding a predetermined financial service has been received from the user. If the input of user information is not received (step S103; No), the receiving unit 132 returns the process to the position information acquisition process.

  On the other hand, when the input of user information is received (step S103; Yes), the determination part 133 compares the input user information and position information (step S104). Further, the determination unit 133 determines the user's credit information based on the compared information (step S105). The transmission unit 134 transmits information based on the determination result to the user terminal 10 (step S106).

[6. Effects of the first embodiment]
As described above, the determination apparatus 100 according to the first embodiment includes the determination unit 133. The determination unit 133 is information used in a predetermined financial service, and is user information that is information about a user who uses the predetermined financial service, and location information of the user terminal 10 that the user uses. The credit information about the user is determined based on the comparison with the information estimated from the user.

  As described above, the determination apparatus 100 according to the first embodiment determines the user's credit information based on the comparison between the user information that is information about the user and the position information detected from the user terminal 10. Thereby, since the determination apparatus 100 can determine the authenticity of user information or can detect an error, the determination apparatus 100 can determine credit information for an individual based on reliable data.

  Moreover, the determination apparatus 100 according to the first embodiment further includes a reception unit 132 that receives user information from the user. The determination unit 133 determines the credit information based on a comparison between the user address received as the user information and the user address estimated from the position information.

  As described above, the determination apparatus 100 according to the first embodiment estimates the user's address from the position information, and compares the received information with the received information. Thereby, since the determination apparatus 100 can verify whether the user really resides at the address reported by the user, it can accurately determine the user's credit information.

  Further, the determination unit 133 determines the credit information based on a comparison between the information regarding the user's occupation accepted as the user information and the information regarding the user's occupation estimated from the position information.

  As described above, the determination apparatus 100 according to the first embodiment estimates information on the occupation of the user from the position information, and compares the information with the received information. Thereby, since the determination apparatus 100 can verify information such as whether or not the workplace reported by the user is true and whether the user has a regular job, the determination apparatus 100 can accurately determine the user's credit information. it can.

  Further, the determination unit 133 sets a predetermined range according to the position information, and estimates information corresponding to the user information based on a probability distribution that is a distribution indicating the probability that the user is located in the predetermined range.

  As described above, the determination apparatus 100 according to the first embodiment not only uses position information (for example, longitude and latitude information) acquired from the user terminal 10, but also sets a predetermined range, and the user falls within the predetermined range. Information corresponding to the user information is estimated. Thereby, since the determination apparatus 100 can verify the location of the user by using information having a certain width, it is possible to perform a user information estimation process in accordance with the actual situation.

  Further, the determination unit 133 estimates information corresponding to the user information based on the probability distribution for each time zone of the day, the probability distribution for each day of the week, or the probability distribution for each weekday or holiday.

  As described above, the determination apparatus 100 according to the first embodiment generates a probability distribution where a user is located using concepts such as time zones and days of the week, and estimates user information based on the generated probability distribution. Thereby, since the determination apparatus 100 can capture the user's actual movement more accurately, it can estimate the user information with high accuracy.

  Moreover, the determination part 133 estimates the predetermined range in which probability distribution exceeds a predetermined threshold among the set predetermined ranges as a user's address or work place.

  Thus, the determination apparatus 100 according to the first embodiment estimates the user's address and work place based on the probability distribution. In general, it is assumed that a position indicating an address or a work place has a higher probability distribution that the user is located. For this reason, the determination apparatus 100 can estimate a user's address and work place accurately by providing a predetermined threshold value in the probability distribution.

  Moreover, the determination apparatus 100 according to the first embodiment transmits information related to a predetermined financial service to the user based on information estimated based on position information or credit information determined by the determination unit 133. The transmitter 134 is further provided.

  Thus, the determination apparatus 100 according to the first embodiment may transmit predetermined information to the user. Thereby, since the determination apparatus 100 can notify a user of various information based on the determined credit information, for example, in the application for a financial service, smooth information transmission can be performed.

  Further, the transmission unit 134 determines the timing for transmitting information related to the predetermined financial service to the user according to the information estimated based on the position information, and transmits information related to the predetermined financial service at the determined timing. .

  As described above, the determination apparatus 100 according to the first embodiment can also determine the timing of transmitting information to the user based on the position information. Thereby, since the determination apparatus 100 can transmit information at a timing when the user can easily receive information, the determination apparatus 100 can increase the probability of being browsed or returned from the user, and can smoothly transmit information to the service side. .

  In addition, when it is determined that the user information received from the user has a certain level of reliability based on the credit information, the transmission unit 134 sends information related to a predetermined financial service to the user in accordance with the reliability. Send.

  As described above, the determination apparatus 100 according to the first embodiment provides, for example, a preferential financial service for a user who has no difference between the user information received from the user and the information corresponding to the user information estimated from the position information. Providing a flexible service.

[7. Second Embodiment]
In the said 1st Embodiment, the example which the process which determines the user's credit information regarding the application for a predetermined financial service based on the positional information on the user terminal 10 was shown. Here, the determination apparatus according to the present application may perform a process of detecting a change in information after a predetermined financial service is used based on the position information of the user terminal 10. This point will be described as a second embodiment. Note that description of matters common to the first embodiment is omitted.

[8. Example of determination processing according to second embodiment]
An example of the determination process according to the second embodiment will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a determination process according to the second embodiment. In FIG. 8, the determination apparatus 200 according to the second embodiment detects a change in position information detected from the user terminal 10 and performs a process of determining a change in user information based on the detected change in information. An example is shown.

  In the example shown in FIG. 8, it is assumed that the user U01 is a user who is using a predetermined financial service. For example, it is assumed that the user U01 is a user who contracts a credit card in a financial service provided by the determination apparatus 200. In this case, it is assumed that the user U01 is transmitting his / her information to the determination device 200 at the time of applying for a credit card. That is, it is assumed that the user U01 has registered his / her user information in the financial service.

  In such a situation, the determination apparatus 200 detects a change in the user information of the user U01 who has already applied for, based on the position information acquired from the user terminal 10. Here, a user who has applied for a credit card may fail to update the information or forget to update it even if the user information already registered is changed while using the credit card. . For example, the user may change jobs or become unemployed after applying for a credit card. In this case, it is assumed that the user's credit information will change due to changes in the user's annual income and asset information. However, as long as there is no application from the user, the credit card issuer will capture such information. Difficult to do. For example, once a company has issued a card, even if the information on the user's work place is changed, such information cannot be captured unless there is an offer from the user.

  Therefore, the determination apparatus 200 detects a change in user information of a user who is currently using the financial service by the process described below. Thereby, the determination apparatus 200 can accurately capture user information at the present time even when there is no application from the user or when a false application is made. For this reason, according to the determination apparatus 200, the user's credit information at the present time can be accurately determined. Hereinafter, the flow of processing by the determination apparatus 200 will be described with reference to FIG.

  As illustrated in FIG. 8, the determination apparatus 200 acquires position information from the user terminal 10 used by the user U01 (step S11). And the determination apparatus 200 detects the change of user information based on the acquired positional information (step S12). For example, the determination apparatus 200 detects that information indicating that the user terminal 10 is located in the position information P55 has decreased as compared with the position information acquired in FIG. More specifically, the determination apparatus 200 detects that the information indicating that the user terminal 10 is located within the range indicated by the position information P55 in the position information acquired in the daytime on weekdays has decreased. In this case, the determination apparatus 200 detects that some change has occurred in the user information received from the user U01.

  This process will be specifically described with reference to FIG. FIG. 9 is a diagram for explaining the determination processing according to the second embodiment. In FIG. 9, the enlarged view 51 and the enlarged view 52 which expanded the map 50 shown in FIG. 8 are shown.

  For example, it is assumed that the determination apparatus 200 generates a probability distribution of a range where the user terminal 10 is located based on position information acquired from the user terminal 10. In the example shown in FIG. 9, the enlarged view 51 shows the probability distribution indicated by the position information acquired when the user U01 applies for the service. The enlarged view 52 shows a probability distribution indicated by position information acquired after a predetermined period has elapsed since the user U01 started using the service. Note that the determination apparatus 200 generates a probability distribution based on position information continuously acquired over a predetermined period (for example, one week).

  In the enlarged view 51 shown in FIG. 9, the position information acquired from the user terminal 10 indicates that the user terminal 10 is located in the range indicated by the position information P47 with a distribution of “0.5 (50%)”. ing. Further, the enlarged view 51 shows that the user terminal 10 is located in the range indicated by the position information P55 with a distribution of “0.3 (30%)”. Further, in the enlarged view 51, the distribution of the user terminal 10 “0.03 (3%)” in the range indicated by the position information P56 and the user terminal 10 “0.02 (2%)” in the range indicated by the position information P57. Indicates that he was located.

  When the position information as shown in the enlarged view 51 is acquired, as described in FIG. 1, the user U01 resides in the range indicated by the position information P47, and the workplace is indicated in the range indicated by the position information P55. It was shown that it was estimated that

  On the other hand, it is assumed that the determination apparatus 200 generates a probability distribution as shown in the enlarged view 52 based on the position information acquired after a predetermined period has elapsed since the user U01 started using the service.

  In the enlarged view 52 shown in FIG. 9, the position information acquired from the user terminal 10 indicates that the user terminal 10 is located in the range indicated by the position information P47 with a distribution of “0.7 (70%)”. ing. In addition, the enlarged view 52 shows that the user terminal 10 is located in the range indicated by the position information P55 with a distribution of “0.03 (3%)”. Further, in the enlarged view 52, the distribution of the user terminal 10 “0.03 (3%)” in the range indicated by the position information P56 and the user terminal 10 “0.02 (2%)” in the range indicated by the position information P57. It indicates that it is located.

  At this time, the determination apparatus 200 determines whether or not the position information related to the user U01 has changed, for example, using a calculation formula as shown in the following formula (1).

  In the above formula (1), “Pi (i corresponds to the coordinate)” indicates a probability distribution in the position information before the change. “P′i” indicates a probability distribution in the position information after the change. “Diff (difference)” indicates the amount of change in the probability distribution of the position information. That is, the determination apparatus 200 totals the changes in the probability distribution for each position information, and determines that the position information of the user U01 has changed when a value exceeding a predetermined threshold is calculated.

  Assume that the determination apparatus 200 determines that the position information of the user U01 has changed when the value is calculated based on the above formula (1) between the situation shown in the enlarged view 51 and the information shown in the enlarged view 52. . In this case, the determination apparatus 200 detects a change that has occurred in the user U01 based on the change in the position information.

  For example, the determination apparatus 200 detects that the user terminal 10 is no longer located in the range indicated by the position information P55 from the position information of the user terminal 10 acquired in the daytime on weekdays, as compared to the time of service application. Based on the estimation process described in the first embodiment, the determination apparatus 200 detects that the company in which the user U01 is currently working is not located in the range indicated by the position information P55. In other words, the determination apparatus 200 detects that the work place of the user U01 changes between the service application time point and the current time point.

  Then, when it is estimated that the user information has been changed, the determination device 200 requests the user U01 to change the information (step S13). For example, the determination apparatus 200 transmits a notification that prompts the user terminal 10 to update user information. Specifically, the determination apparatus 200 updates the information by the user U01 by displaying a push notification that prompts the user information to be updated on the screen of the user terminal 10 or automatically transmitting a mail addressed to the user terminal 10. Prompt.

  Note that the determination apparatus 200 may perform a predetermined process related to the financial service by estimating that the user information has changed. For example, the determination apparatus 200 may perform processing such as reducing the credit information of the user U01 in the financial service. Specifically, the determination apparatus 200 may perform processing such as temporarily reducing the limit amount of the credit card used by the user U01.

  As described above, the determination apparatus 200 according to the second embodiment acquires user information that is information used in a predetermined financial service and is information related to the user U01. And the determination apparatus 200 detects the change of the positional information detected from the user terminal 10 which the user U01 uses. Further, the determination device 200 determines the change in the acquired user information based on the detected change in the position information.

  That is, as described in the first embodiment, the determination apparatus 200 according to the second embodiment not only uses the position information at the service examination stage, but also uses the position information during the use of the service. . And the determination apparatus 200 detects the condition where the positional information changed, ie, the life zone in the user U01 changed. In this case, the determination apparatus 200 transmits, for example, a notification that prompts the user information to be changed to the user U01. Thus, according to the determination apparatus 200, since the change of the user information after application for a service can be captured, the change of the user information can be captured quickly, or the user who does not update the information can be detected. . In financial services, user credit information may change as the user's regular job, asset information, or residence changes. For this reason, the determination apparatus 200 can more accurately determine credit information for an individual by performing the above-described determination process and detecting a change in user information.

[9. Configuration of determination apparatus according to second embodiment]
Next, the configuration of the determination apparatus 200 according to the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating a configuration example of the determination apparatus 200 according to the second embodiment. As illustrated in FIG. 10, the determination apparatus 200 further includes a detection unit 135 with respect to the determination apparatus 100 according to the first embodiment. Note that description of each processing unit already described in the first embodiment is omitted here, but each processing unit may appropriately execute the processing described in the first embodiment. In FIG. 10, the description of the reception unit 132 is omitted, but the determination apparatus 200 may include the reception unit 132.

(About the position information storage unit 121)
FIG. 11 shows an example of the position information storage unit 121 according to the second embodiment. FIG. 11 is a diagram illustrating an example of the position information storage unit 121 according to the second embodiment. FIG. 11 illustrates an example of the position information storage unit 121 in which the stored information has changed compared to the first embodiment.

  That is, in FIG. 11, the location information acquired at “October 3, 2016 12:00”, “October 4, 2016 12:00” and “October 5, 2016 12:00” It shows that the user terminal 10 is located in the range indicated by the information “P55”. On the other hand, “December 5, 2016 12:00”, “December 6, 2016 12:00”, “December 7, 2016 12:00” and “December 19, 2016 12:00” The position information acquired in FIG. 5 indicates that the user terminal 10 is located in the range indicated by the position information “P47”.

  In the daytime around October 3, 2016, the user terminal 10 was continuously located in the range indicated by the position information P55, whereas in the daytime around December 5, 2016, it continued. Specifically, it is indicated that the user terminal 10 is located in the range indicated by the position information P47. That is, from the position information shown in FIG. 11, it is estimated that the life sphere of the user U01 (for example, a work address, etc.) has changed at a certain point in time.

(About the acquisition unit 131)
The acquisition unit 131 according to the second embodiment acquires user information that is information used in a predetermined financial service and is information about the user. For example, the acquisition unit 131 refers to the user information storage unit 122 in which the user information is stored, and obtains the user information reported when the user applied for the financial service, that is, the user information received by the receiving unit 132. get. The acquisition unit 131 may acquire user information currently registered in the financial service, that is, user information updated at a predetermined time.

  In addition, when the financial service is provided from the web server 30, the acquisition unit 131 may acquire user information registered for the financial service by accessing the web server 30. Further, the acquisition unit 131 acquires the position information of the user terminal 10 by the same method as in the first embodiment.

(About the detector 135)
The detection unit 135 detects a change in position information detected from the user terminal 10 used by the user. For example, the determination unit 133 detects a change between the position information acquired by the acquisition unit 131 and the position information related to user information registered in a predetermined financial service by the user in the past. As an example, the detection unit 135 sets a predetermined range according to the position information, and uses a probability distribution that is a distribution indicating a probability that the user is located in the predetermined range, based on a temporal change of the probability distribution, Detect changes in location information. Specifically, the detection unit 135 calculates a change in the probability distribution using a determination formula such as the above formula (1) shown in the description of FIG. Then, the detection unit 135 detects that the position information has changed when the numerical value indicating the change in the probability distribution exceeds a predetermined threshold. In other words, the detection unit 135 detects that the user's living area has changed, including the user's address, work place, and the like as position information related to the user information.

  For example, the detection unit 135 detects a change in position information using a probability distribution for each time slot of the day, a probability distribution for each day of the week, or a probability distribution for each weekday or holiday. Specifically, for the predetermined user, the detection unit 135 determines the probability distribution at the time points before and after the application for the service regarding the probability distribution indicated by the position information acquired between 6 am and 10 am in the time zone of the day. And the change from the current probability distribution. Thereby, since the detection part 135 can catch the change of a user's probability distribution for every corresponding time slot | zone and a day of the week, it can detect the change of a user's living area accurately.

(About the determination unit 133)
The determination unit 133 according to the second embodiment determines a change in user information acquired in the past by the acquisition unit 131 based on a change in position information detected by the detection unit 135. For example, the determination unit 133 determines a change between user information at the time when the user applies for a predetermined financial service and user information at the time when a change in position information is detected by the detection unit 135.

  Specifically, the determination unit 133 determines a change in user information based on a comparison between the user address received as user information and the user address estimated from the position information. Further, the determination unit 133 may determine a change in the user information based on a comparison between information regarding the user's occupation accepted as the user information and information regarding the user's occupation estimated from the position information.

  For example, the determination unit 133 detects, based on the change in the probability distribution indicated by the position information, the user's address or work location included in the user information acquired by the acquisition unit 131 and the position information changed by the detection unit 135. It is determined that the user's address or work place at that time has changed. That is, when a change in the position information is detected, the determination unit 133 changes the information estimated from the position information detected from the user terminal 10 with the address or work place registered in the financial service. It is determined that For example, the determination unit 133 changes the user information based on the change in the position information, such as the user changing his / her office or the user becoming unemployed (being at home on weekdays). Determine.

(About the transmitter 134)
When the determination unit 133 determines that the user information has changed, the transmission unit 134 according to the second embodiment transmits information regarding a predetermined financial service to the user.

  For example, the transmission unit 134 transmits a notification prompting the user to update the user information registered in the predetermined financial service as information regarding the predetermined financial service. For example, the transmission unit 134 transmits, to a user, a notification that prompts a user who is likely to have an address or work location to change the address or business location registered in the financial service.

  In addition, the transmission unit 134 determines the predetermined financial service based on a comparison between user information registered in the predetermined financial service and information estimated from the position information detected by the detection unit 135. A change in the contract contents related to the financial service may be transmitted. For example, the transmission unit 134 notifies the user of a change in the loan amount from the predetermined financial service as a change in the contract content regarding the predetermined financial service.

  Specifically, when it is determined that the user's credit information has decreased due to the user's change of office, the transmission unit 134 can reduce the credit card contract amount with which the user has contracted, Send contract changes, such as reducing the loan amount. Alternatively, the transmission unit 134 may increase the credit card limit or increase the loan amount if it is determined that the user has moved to an area where a relatively expensive income earner resides. Content changes may be sent.

[10. Processing procedure according to second embodiment]
Next, a procedure of processing performed by the determination apparatus 200 according to the second embodiment will be described with reference to FIG. FIG. 12 is a flowchart illustrating a determination processing procedure according to the second embodiment.

  As illustrated in FIG. 12, the acquisition unit 131 determines whether or not position information has been acquired from the user terminal 10 (step S201). If the acquisition unit 131 has not acquired position information (step S201; No), the acquisition unit 131 waits until acquisition.

  On the other hand, when position information is acquired (step S201; Yes), the acquisition unit 131 stores the acquired position information in the position information storage unit 121 and accumulates it (step S202).

  Thereafter, the detection unit 135 determines whether a change in the acquired information has been detected (step S203). When no change is detected (step S203; No), the acquisition unit 131 continues the process of acquiring the position information of the user terminal 10.

  On the other hand, when a change is detected (step S203; Yes), the determination unit 133 determines whether the user information has changed based on the change in the position information (step S204). When it determines with user information not changing (step S204; No), the acquisition part 131 continues the process which acquires the positional information on the user terminal 10. FIG.

  On the other hand, when it determines with user information having changed (step S204; Yes), the transmission part 134 transmits the information based on a determination result to the user terminal 10 (step S205).

[11. Effect of Second Embodiment]
As described above, the determination apparatus 200 according to the second embodiment includes the acquisition unit 131, the detection unit 135, and the determination unit 133. The acquisition unit 131 acquires position information of the user terminal 10 used by the user. The detection unit 135 detects a change between the position information acquired by the acquisition unit 131 and the position information related to user information, which is information related to the user registered in a predetermined financial service in the past by the user. The determination unit 133 determines a change in user information based on the change in position information detected by the detection unit 135.

  As described above, the determination apparatus 200 according to the second embodiment uses the position information of the user terminal 10 during the use of the financial service, and, for example, the situation where the user's living area has changed based on the change in the position information. Is detected. Thereby, the determination apparatus 200 can detect a change in user information registered by the user in the financial service without receiving a report from the user. In general, it is difficult for an individual user in a financial service to continuously capture changes in user information. On the other hand, according to the determination apparatus 200, since the user can be determined based on the current information regarding the user, it is possible to more accurately determine the credit information for the individual.

  The determination unit 133 determines a change between the user information at the time when the user applies for a predetermined financial service and the user information at the time when the change in the position information is detected by the detection unit 135.

  As described above, the determination apparatus 200 according to the second embodiment detects a change in user information at the time of application by the user and the current user information. Thereby, the determination apparatus 200 can capture user information regarding an individual user who has applied for the financial service and has not updated the information.

  The determination unit 133 determines a change in the user information based on a comparison between the user address registered as the user information and the user address estimated from the position information.

  Thus, the determination apparatus 200 according to the second embodiment can determine that the user's address has been changed by detecting a change in the position information. Thereby, the determination apparatus 200 can provide a substantial service such as obtaining the correct address of the user at the present time or notifying the user to change the address.

  The determination unit 133 determines a change in user information based on a comparison between information related to the user's occupation registered as user information and information related to the user's occupation estimated from the position information.

  As described above, the determination apparatus 200 according to the second embodiment can determine that information related to the user's occupation (for example, work place) has been changed by detecting a change in the position information. In general, information regarding the user's occupation can be an important factor in determining the user's credit information. For this reason, according to the determination apparatus 200, a user's credit information can be determined and updated more correctly.

  In addition, the detection unit 135 sets a predetermined range according to the position information, and uses a probability distribution that is a distribution indicating the probability that the user is located in the predetermined range, based on a temporal change in the probability distribution. Detect changes in information.

  As described above, the determination apparatus 200 according to the second embodiment sets a plurality of predetermined ranges and then calculates the difference in probability distribution in each predetermined range, thereby changing the positional information in the user, that is, the user Capture changes in the sphere of life. Thereby, the determination apparatus 200 can detect the change of a user's living area accurately.

  In addition, the detection unit 135 detects a change in position information using a probability distribution for each time slot of the day, a probability distribution for each day of the week, or a probability distribution for each weekday or holiday.

  Thus, the determination apparatus 200 according to the second embodiment compares probability distributions using corresponding time zones and days of the week. Thereby, the determination apparatus 200 can detect the change of a user's living area more correctly.

  Further, the determination unit 133 detects that the position information has been changed by the detection unit 135 with respect to the user's address or work location included in the user information registered in the predetermined financial service based on the change in the probability distribution. It is determined that the user's address or work place has changed.

  As described above, the determination apparatus 200 according to the second embodiment determines a change in the user's address or work place based on the probability distribution. The probability distribution indicates a distribution in a range where the user is located in the observation time. That is, the determination apparatus 200 can perform estimation with high accuracy by performing a process of estimating an address and a work place according to the time in which the user is located in a certain range.

  The determination apparatus 200 according to the second embodiment further includes a transmission unit 134 that transmits information regarding a predetermined financial service to the user when the determination unit 133 determines that the user information has changed.

  As described above, the determination apparatus 200 according to the second embodiment transmits information corresponding to a change in user information to the user. Thereby, since the determination apparatus 200 can quickly capture a user whose information has changed, the service can be smoothly operated.

  In addition, the transmission unit 134 transmits a notification prompting the user to update user information registered in the predetermined financial service as information regarding the predetermined financial service.

  As described above, the determination apparatus 200 according to the second embodiment manages a service by transmitting a notification requesting information update to a user who is estimated to have changed information registered in the service. It can proceed smoothly.

  In addition, the transmission unit 134 determines the predetermined financial service based on a comparison between user information registered in the predetermined financial service and information estimated from the position information detected by the detection unit 135. Send contract changes for financial services.

  As described above, the determination apparatus 200 according to the second embodiment may change the contract content related to the service according to the change of the user information. Thereby, the determination apparatus 200 can provide a user with a service having contents corresponding to true user information.

  Moreover, the transmission part 134 notifies the change of the loan amount from a predetermined financial service with respect to a user as a change of the contract content regarding a predetermined financial service.

  As described above, the determination apparatus 200 according to the second embodiment may change the loan amount as a change in the contract content related to the service. Accordingly, the determination apparatus 200 sets a limit amount corresponding to the current occupation for a user who has a different occupation from that at the time of the contract, for example. It can be performed.

[12. (Modification)
The above-described determination device 100 (the same applies to the determination device 200) may be implemented in various different forms other than the above-described embodiment. Therefore, in the following, a modification of the embodiment will be described.

[12-1. location information〕
In the above embodiment, it has been described that the position information is acquired from GPS information acquired by the user terminal 10, an access point, or the like. However, the determination apparatus 100 may acquire the position information of the user terminal 10 from different information.

  For example, the determination apparatus 100 may acquire the position information of the user terminal 10 based on a history that the user terminal 10 uses various services provided from the web server 30. Specifically, the determination apparatus 100 estimates a station that is frequently input from the user terminal 10 in the route search service as the nearest station of the user. And the determination apparatus 100 may acquire the predetermined range including the nearest station as an area where the user terminal 10 is located. According to this process, the determination apparatus 100 can acquire the position information of the user terminal 10 even when the user terminal 10 does not have a function of acquiring the position information.

[12-2. (Omission of processing)
The determination apparatus 100 may perform determination or the like that omits a part of confirmation of information received from the user based on information estimated from the position information. For example, in a financial service, there is a case where an operator calls a business office and confirms the business office information of the user about the office reported from the user at the time of application. Here, according to the determination apparatus 100, since the position where the user is regularly located during the daytime on weekdays can be acquired, the user's work place can be estimated. In this case, the determination apparatus 100 may notify a financial service operator or the like that the presence of the company can be confirmed based on the location information and the artificial telephone check is omitted. Thereby, the determination apparatus 100 can reduce the examination burden in the service.

[12-3. (Alert to administrator)
If the determination device 200 determines that the user information has been changed, the determination device 200 not only transmits information to the user but also issues an alert to the administrator of the determination device 200 and the financial service provider. May be. For example, the determination device 200 notifies the administrator of the determination device 200 or the financial service provider of information identifying a user who is estimated to have changed user information. As a result, the administrator of the determination apparatus 200 or the financial service provider can quickly detect a user who is not offered to change user information.

[12-4. Configuration of user terminal]
In the above embodiment, the configuration example of the user terminal 10 has been described with reference to FIG. However, the user terminal 10 does not necessarily include all the processing units illustrated in FIG. For example, the user terminal 10 may not necessarily include the display unit 13 and the position detection unit 14a. Further, the user terminal 10 may be separated into two or more devices to realize the configuration illustrated in FIG. For example, the user terminal 10 may be realized by two or more devices having a configuration in which a detection device having at least the detection unit 14 and the acquisition unit 16 and a communication device having at least the communication unit 11 are separated. .

[13. Hardware configuration)
The determination apparatus 100 (same for the determination apparatus 200) and the user terminal 10 according to the embodiment described above are realized by a computer 1000 having a configuration as shown in FIG. Hereinafter, the determination apparatus 100 will be described as an example. FIG. 13 is a hardware configuration diagram illustrating an example of a computer 1000 that implements the functions of the determination apparatus 100. The computer 1000 includes a CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 and controls each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores a program executed by the CPU 1100, data used by the program, and the like. The communication interface 1500 receives data from other devices via the communication network 500 (corresponding to the network N shown in FIG. 2) and sends the data to the CPU 1100, and the data generated by the CPU 1100 is transferred to other devices via the communication network 500. Send to device.

  The CPU 1100 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or 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. Etc.

  For example, when the computer 1000 functions as the determination apparatus 100 according to the first embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the RAM 1200. The HDD 1400 stores data in the storage unit 120. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from other devices via the communication network 500.

[14. Others]
In addition, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily changed unless otherwise specified. For example, the various types of information illustrated in each drawing is not limited to the illustrated information.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured. For example, the acquisition unit 131 and the reception unit 132 illustrated in FIG. 4 may be integrated. Further, for example, information stored in the storage unit 120 may be stored in a storage device provided outside via the network N.

  For example, in the said embodiment, the determination apparatus 100 showed the example which performs the acquisition process which acquires the positional information on the user terminal 10, and the determination process which determines credit information. However, the determination apparatus 100 described above may be separated into an acquisition apparatus that performs an acquisition process and a determination apparatus that performs a determination process. In this case, the acquisition device has at least an acquisition unit 131. The determination device has at least a determination unit 133. In this case, the processing by the determination apparatus 100 according to the first embodiment is realized by the determination system 1 including each apparatus such as an acquisition apparatus and a determination apparatus.

  In addition, the above-described embodiments and modifications can be combined as appropriate within a range that does not contradict processing contents.

  As described above, some of the embodiments of the present application have been described in detail with reference to the drawings. However, these are merely examples, and various modifications, including the aspects described in the disclosure section of the invention, based on the knowledge of those skilled in the art, It is possible to implement the present invention in other forms with improvements.

  In addition, the “section (module, unit)” described above can be read as “means” or “circuit”. For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

DESCRIPTION OF SYMBOLS 1 Determination system 10 User terminal 100 Determination apparatus 110 Communication part 120 Storage part 121 Location information storage part 122 User information storage part 130 Control part 131 Acquisition part 132 Reception part 133 Determination part 134 Transmission part 135 Detection part 200 Determination apparatus 200

Claims (12)

An acquisition unit for acquiring position information of a terminal device used by a user;
A predetermined range is set according to the position information acquired by the acquisition unit, and a temporal change of the probability distribution is calculated using a probability distribution that is a distribution indicating a probability that the user is located in the predetermined range, calculated on the basis of the temporal change of the probability distribution, and a detection unit for the past user detects the change in the position information on the user information which is information relating to the user registered to a predetermined financial services,
A determination unit that determines a change in the user information based on a change in position information detected by the detection unit;
A determination apparatus comprising: The determination unit
Determining a change between user information when the user applied for the predetermined financial service and user information when a change in position information is detected by the detection unit;
The determination apparatus according to claim 1, wherein: The determination unit
A change in the user information is determined based on a comparison between the user address registered as the user information and the user address estimated from the position information;
The determination apparatus according to claim 1, wherein: The determination unit
Determining a change in the user information based on a comparison between information on the occupation of the user registered as the user information and information on the occupation of the user estimated from the position information;
The determination apparatus according to any one of claims 1 to 3, wherein The detector is
Detecting the change in the position information using the probability distribution for each time slot of the day, the probability distribution for each day of the week, or the probability distribution for each weekday or holiday;
The determination apparatus according to claim 1, wherein: The determination unit
Based on the change in the probability distribution, at the time when the position information is detected to be changed by the detection unit with respect to the address or work place of the user included in the user information registered in the predetermined financial service. Determining that the user's address or work place has changed;
The determination apparatus according to claim 1, wherein: A transmission unit that transmits information about the predetermined financial service to the user when the determination unit determines that the user information has changed;
Determination apparatus according to any one of claims 1 to 6, further comprising a. The transmitter is
As the information on the predetermined financial service, a notification that prompts the user to update user information registered in the predetermined financial service is transmitted to the user.
The determination apparatus according to claim 7 . The transmitter is
Information on the predetermined financial service is based on a comparison between user information registered in the predetermined financial service and information estimated from the position information detected by the detection unit. Send contract changes,
The determination apparatus according to claim 7 or 8 , wherein The transmitter is
As a change in the contract content related to the predetermined financial service, a change in the loan amount from the predetermined financial service to the user is notified.
The determination apparatus according to claim 9 . A determination method executed by a computer,
An acquisition step of acquiring position information of the terminal device used by the user;
A predetermined range is set according to the position information acquired by the acquisition step, and a temporal change of the probability distribution is calculated using a probability distribution that is a distribution indicating a probability that the user is located in the predetermined range. calculated on the basis of the temporal change of the probability distribution, a detection step of the past user detects the change in the position information on the user information which is information relating to the user registered to a predetermined financial services,
A determination step of determining a change in the user information based on a change in the position information detected by the detection step;
The determination method characterized by including. An acquisition procedure for acquiring location information of a terminal device used by a user;
A predetermined range is set according to the position information acquired by the acquisition procedure, and a temporal change of the probability distribution is calculated using a probability distribution that is a distribution indicating a probability that the user is located in the predetermined range, calculated on the basis of the temporal change of the probability distribution, a detection procedure the past user detects the change in the position information on the user information which is information relating to the user registered to a predetermined financial services,
A determination procedure for determining a change in the user information based on a change in position information detected by the detection procedure;
The determination program characterized by causing a computer to execute.

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