Information processing device, information processing method, and program

Abstract

To enable the analysis of individual credit related to use of a financial service to be achieved in a more suitable manner.SOLUTION: An information processing device includes acquisition means for acquiring additional individual information being individual information managed by an administrative body and added to an individual in individual information of the individual from an administrative body management server managed by the administrative body on the basis of a result obtained by reading a procedure medium holding identification information allocated to the individual, calculation means for calculating a variable to be applied to analyze individual credit related to a financial service on the basis of the additional individual information, and analysis means for analyzing the individual credit related to use the financial service to the individual by making the variable input data to a model for analyzing the individual credit related to the financial service.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present disclosure relates to an information processing device, an information processing method, and a program that realize the utilization of information managed by administrative agencies in analyzing an individual's credit. [Background technology]

[0002] When a financial institution accepts an application for a loan or credit, the financial institution performs a credit check on the user. In this credit check, application form item information such as gender, age, and annual income is obtained from the user, and credit information such as borrowing status and payment information is obtained using key items included in the application form item information, and customer information and account transaction information held by the financial institution are also referenced. Then, the user's credit check is performed based on the application form item information, credit information, customer information, and account transaction information. Credit information is collected and managed by a specialized institution, and the financial institution may perform a credit check by inquiring about the user's credit information to the specialized institution based on key items presented by the user. For example, Patent Document 1 discloses an example of a method for simplifying the submission of documents related to credit information by the user and the examination process by performing an examination using credit information inquired from a specialized institution. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-123017 A Summary of the Invention [Problem to be solved by the invention]

[0004] On the other hand, the application form item information used in the conventional screening is manually input by the user, which may lead to errors or require the submission of additional documents for verification. Therefore, if there is an error in the input application form item information, there is a risk that information different from the original may be used for the credit screening, or problems such as the inability to check credit information may occur. In addition, it is time-consuming to prepare documents for verification, and measures such as limiting the annual income information used for screening to only the most recent year have been taken to avoid users dropping out, making it difficult to increase the application form item information beyond the current situation. Against this background, there is a demand for the realization of a mechanism that enables the analysis of an individual's credit in relation to the use of financial services such as credit screening in a more suitable manner.

[0005] In view of the above problems, an object of the present invention is to make it possible to analyze an individual's creditworthiness in relation to the use of financial services in a more suitable manner. [Means for solving the problem]

[0006] The information processing device of the present invention comprises an acquisition means for acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by the administrative agency based on the results of reading a procedural medium holding identification information assigned to an individual, a calculation means for calculating variables to be applied to an analysis of an individual's credit related to the use of financial services based on the additional personal information, and an analysis means for analyzing the individual's credit related to the use of financial services by using the variables as input data for a model that analyzes the individual's credit related to the use of the financial services. Effect of the Invention

[0007] According to the present invention, it is possible to realize an analysis of an individual's creditworthiness in relation to the use of financial services in a more suitable manner. [Brief description of the drawings]

[0008] [Figure 1]FIG. 1 illustrates an example of a system configuration of an information processing system. [Diagram 2] FIG. 1 is a diagram showing an example of a flow of procedures for applying for financial services. [Diagram 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of an information processing device. [Figure 4] FIG. 2 is a functional block diagram showing an example of a functional configuration of an information processing device. [Diagram 5] 11 is a flowchart showing an example of processing of an information processing system. [Figure 6] FIG. 13 is a diagram showing an example of model variables and a method for creating the same. [Figure 7A] FIG. 13 is a diagram showing an example of model variables and a method for creating the same. [Figure 7B] FIG. 13 is a diagram showing an example of model variables and a method for creating the same. [Figure 8] FIG. 13 is a diagram showing an example of model variables and a method for creating the same. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, preferred embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. In this specification and the drawings, components having substantially the same functional configurations are denoted by the same reference numerals, and redundant description will be omitted.

[0010] <Summary> An overview of an information processing system according to an embodiment of the present disclosure will be described. The information processing system according to this embodiment is a system that performs an analysis of an individual's credit (e.g., a credit check) when accepting an application for the use of financial services such as loans and credit, and enables the analysis in a more suitable manner by cooperating with a system managed by an administrative agency.

[0011] For example, Fig. 1 is a diagram showing an example of a system configuration of an information processing system according to the present embodiment. An information processing device 100 shown in Fig. 1 is a schematic diagram showing a device such as a server that realizes an examination system corresponding to an example of the information processing system according to the present embodiment.

[0012] The administrative agency management server 310 is an administrative agency management system under the management of an administrative agency of a group such as a local government, and is a schematic diagram of a server constituting a system that manages personal information of individuals (e.g., citizens, etc.) under the management of the administrative agency. The administrative agency management server 310 manages various personal information related to individuals (residents, etc.) under the management of the administrative agency by linking the personal information to identification information assigned to the individuals (e.g., residents, etc.) under the management of the administrative agency, such as the so-called My Number. The administrative agency management server 310 also has a function of permitting the use of personal information linked to the identification information (e.g., outputting the personal information upon request) based on the authentication result using a procedure medium (authentication medium) issued in association with the individual's identification information (e.g., My Number) such as the so-called My Number card. Note that the procedure medium is an My Number card in the above example, but is not limited thereto, and may be, for example, a mobile terminal or the like equipped with the identification information of the My Number card or information such as an electronic certificate. The authentication using the procedure medium (e.g., My Number card or mobile terminal, etc.) is not described in detail because known technology can be applied, but it can be realized, for example, by using an electronic certificate issued in association with the above identification information. Acquisition of personal information based on authentication using a procedure medium such as a My Number card or a mobile terminal is realized by an API (self-information acquisition API) published by an administrative agency such as the Digital Agency. In this embodiment, a My Number card or a mobile terminal is used as the procedure medium, but the present invention is not limited to this. For example, the procedure medium may be an IC card equipped with an IC (Integrated Circuit) chip capable of storing personal information and identification information such as a driver's license. The information processing device 100 according to the present embodiment uses the above-mentioned mechanism to acquire at least a portion of personal information managed by administrative agencies such as local governments, and uses the acquired personal information to realize an analysis of an individual's credit related to the use of financial services such as credit screening in a more suitable manner than conventional mechanisms. Details of the configuration and processing related to the analysis of the individual's credit will be described separately below.

[0013] Furthermore, when conducting credit screening, the information processing device 100 according to this embodiment may use bank account information (e.g., information on past transactions using the account, etc.) of the user who is the subject of a contract, personal credit information indicating the contract details and payment status of a current or previously contracted loan, etc. In this disclosure, such information is collectively referred to as usage information, and a system for managing the usage information is also referred to as a usage management system. The usage information management server 330 is a schematic representation of a server that constitutes the usage information management system, and has a function of presenting the target individual's usage information managed within the system to the requester in response to a request. In the example shown in Fig. 1, the usage information management server 330 includes usage information management servers 330a and 330b. The usage information management server 330a is a schematic representation of a server that constitutes a bank accounting usage information management system that manages account transaction information as usage information, and upon request, presents the account transaction information of the target individual to the requester as usage information for that individual. The usage information management server 330b is a schematic representation of a server constituting the usage information management system of a personal credit information agency that manages personal credit information as usage information, and upon request, presents the personal credit information of the target individual to the requester as the usage information of the individual. Personal credit information is information indicating the contract details and payment status of a loan, etc., and is managed by a personal credit information agency. Examples of personal credit information agencies include CIC Co., Ltd. (abbreviated as CIC), Japan Credit Information Service Co., Ltd. (abbreviated as JICC), and National Bank Personal Credit Information Center (abbreviated as KSC), but it is also possible to handle information managed by other personal credit information agencies.

[0014] The terminal device 200 is a schematic diagram of a terminal device used when a user accesses the screening system according to the present embodiment when applying for a loan or credit. The terminal device 200 may be realized by an information processing device having a communication function, such as a personal computer (PC), a smartphone, or a tablet terminal. The terminal device 200 according to the present embodiment has a function of reading a procedure medium 290 used for authentication to an administrative agency management system, such as a My Number card, and for acquiring personal information from the administrative agency management system. The method of realizing the reading function of the procedure medium 290 is not particularly limited. As a specific example, the terminal device 200 may have a short-range wireless communication function such as NFC (Near Field Communication), and the function may be used to read the procedure medium 290. As another example, a reader for the procedure medium 290 may be connected to the terminal device 200, and the reader may be used to read the procedure medium 290. In addition, the procedural medium 290 may hold identification information assigned to the target individual (e.g., My Number) and some of the individual's personal information (e.g., name, gender, address, date of birth, etc.). In addition, the information on the My Number card may be stored in the terminal device 200 such as a smartphone. In this case, the terminal device 200 may serve as the procedure medium 290, and an operation related to the use of the information stored in the terminal device 200 may be applied instead of an operation related to reading the My Number card or the like. Furthermore, the procedure for applying for a loan or credit and the procedure for reading the procedural medium 290 such as a My Number card and authentication according to the read result may be performed by different devices. As a specific example, the procedure for applying for a loan or credit may be performed by a PC, and the procedure for reading the procedural medium 290 such as a My Number card and authentication according to the read result may be performed by a smartphone.

[0015] The information processing device 100, the administrative agency management server 310, the usage information management server 330, and the terminal device 200 are connected to each other via a predetermined network so that they can transmit and receive information to each other. The type of network connecting these devices is not particularly limited. As a specific example, the network may be configured by a LAN (Local Area Network), the Internet, a dedicated line, or a WAN (Wide Area Network). The network may be configured by a wired network or a wireless network. The network may include multiple networks, and some of the networks may include a network of a different type from the other networks. The physical configuration of the network is not particularly limited as long as communication between each component is logically established. As a specific example, communication between each component may be relayed by another communication device or the like. In addition, a series of components constituting the system shown in FIG. 1 may not necessarily be connected to a common network. In other words, as long as communication between the components that transmit and receive information and data can be established, the networks to which some components and other components are directly connected may be different. Furthermore, if information can be exchanged between devices, the information may be exchanged not only synchronously via a network but also asynchronously using a removable recording medium such as a USB (Universal Serial Bus) memory etc. As a specific example, after information is recorded on a recording medium in some devices, when the recording medium is mounted on another device, the information recorded on the recording medium is read, thereby realizing the exchange of information.

[0016] Next, an example of the flow of procedures for applying for financial services such as loans and credit using the screening system according to this embodiment will be described with reference to Fig. 2. For convenience, in the example shown in Fig. 2, the flow of the procedures will be described with a focus on the procedure for applying for a loan.

[0017] When a user (a customer applying for a loan) accesses the information processing device 100 of the screening system via the terminal device 200, the information processing device 100 presents an operation screen V101 related to the loan procedure to the user via the terminal device 200. Each of the series of screens V101 to V105 illustrated in FIG. 2 may be presented to the user via, for example, a Web browser running on the terminal device 200. When an instruction related to the start of the loan application procedure is accepted via the operation screen V101, the information processing device 100 presents an operation screen V102 to the user via the terminal device 200.

[0018] The operation screen V102 corresponds to a screen for accepting input of some personal information of the user used in the procedure of applying for a loan from the user. In this embodiment, input of a telephone number (personal information indicating the user's contact information) is accepted via the operation screen V102. The telephone number accepted via the operation screen V102 is used, for example, to acquire usage information during credit screening. When an instruction to continue the procedure is accepted with the target personal information entered in the operation screen V102, the information processing device 100 presents the operation screen V103 to the user via the terminal device 200. In this embodiment, a form in which a telephone number is accepted from a user has been described. However, this is not limited to this. For example, input of personal information such as a name, address, date of birth, annual income, workplace information, and bank account information may be accepted from a user. In addition, in this embodiment, a form in which usage information is acquired using information accepted from a user has been described. However, this is not limited to this. A credit screening may be performed using the personal information accepted from a user, or new information to be input as a variable when a credit screening is performed may be estimated. In the following, personal information input by the user will be referred to as "input information".

[0019] The operation screen V103 corresponds to a screen for performing procedures related to authentication to the administrative agency management system using the procedure medium 290 (e.g., My Number card) shown in Fig. 1 and obtaining personal information of the user. The information processing device 100 presents the operation screen V103 to the user via the terminal device 200, thereby requesting the user to perform an operation related to reading the procedure medium 290. Then, when the procedure medium 290 is read by the terminal device 200, the information processing device 100 obtains from the terminal device 200 information corresponding to the reading result of the procedure medium 290, such as information used for authentication and personal information held on the procedure medium 290. Based on the information according to the result of reading the procedure medium 290, the information processing device 100 authenticates the individual (user) corresponding to the procedure medium 290 with the administrative agency management server 310. If the authentication is successful, the information processing device 100 acquires from the administrative agency management server 310 personal information of the authenticated individual (user) other than the personal information acquired from the procedure medium 290, which will be used in the credit check described below. In this manner, the information processing device 100 according to this embodiment obtains personal information to be used for credit screening in the loan application procedure from the procedure medium 290 or the administrative agency management system, based on the results of reading the procedure medium 290. In this disclosure, among the personal information of the target individual, one or more predetermined types of personal information are set as basic personal information (hereinafter also referred to as basic personal information) and are acquired from the procedural medium 290. In this disclosure, for convenience, personal information other than the basic personal information that is added to an individual and managed in the administrative agency management system and acquired by the information processing device 100 according to the authentication result of the individual is also referred to as additional personal information. In addition, in this embodiment, various explanations will be given assuming that name, sex, address, and date of birth are set as basic personal information, but the type of personal information set as basic personal information is not necessarily limited. As a specific example, identification information assigned to an individual, such as a My Number, may be set as basic personal information. In this way, which type of personal information is to be applied as basic personal information may be set in advance according to the use case. Also, as described above, among the personal information used for credit screening, personal information other than the basic personal information is acquired as additional personal information from the administrative agency management system. Therefore, the personal information acquired as additional personal information may also be appropriately changed according to the personal information set as basic personal information. When the information processing device 100 completes the authentication of the user and the acquisition of the user's personal information (basic personal information and additional personal information) based on the result of reading the procedure medium 290, it presents the operation screen V104 to the user via the terminal device 200.

[0020] The operation screen V104 corresponds to a screen for presenting the personal information acquired based on the result of reading the procedure medium 290 to the user and receiving an instruction from the user to start the actual procedure related to the loan application (specifically, the procedure related to the credit examination). The operation screen V104 displays a series of personal information acquired from the procedure medium 290 and the administrative agency management system to be used for the procedure related to the credit examination. The operation screen V104 also receives input from the user as to whether the displayed personal information is correct, whether the user agrees to use the personal information for the credit examination, and whether the user agrees to apply for the loan. After that, when an instruction to start the procedure related to the loan application is given via the operation screen V104, the information processing device 100 executes the procedure related to the credit examination of the target individual (user) based on the acquired personal information. The contents of the procedure related to the credit examination will be described in detail separately below together with the functional configuration and processing of the information processing device 100.

[0021] Then, when the procedure related to the credit examination is completed, the information processing device 100 presents the confirmation screen V105 showing the result of the examination to the user via the terminal device 200, and completes a series of procedures related to the loan application. Although the case where the confirmation screen V105 is presented via the terminal device 200 has been described, other means may be used. As a specific example, the result of the examination may be presented by sending an email or a short message using an email address, a telephone number, or the like received from the user as input information.

[0022] As described above, the screening system according to this embodiment obtains personal information to be used in analyzing an individual's credit (e.g., credit screening) in relation to the use of financial services such as loans and credit, based on the results of reading the procedure medium 290, as in the so-called credit screening. This mechanism makes it possible to reduce the input work by the user, thereby reducing the burden on the user and is expected to have the effect of preventing input errors. In addition, since it is possible to obtain and use various personal information managed by administrative agencies, it becomes possible to use personal information that was difficult to use in conventional procedures in screening. Therefore, it becomes possible to judge a wider variety of conditions than before, and it becomes possible to realize more precise screening.

[0023] An overview of the information processing system according to an embodiment of the present disclosure has been described above with reference to Figures 1 and 2. Hereinafter, details of the information processing system according to this embodiment will be described, particularly focusing on the analysis of an individual's creditworthiness in relation to the use of financial services such as credit screening.

[0024] <Hardware configuration> Referring to FIG. 3, an example of a hardware configuration of an information processing device 900 that can be applied as a device constituting an information processing system according to one embodiment of the present disclosure (e.g., information processing device 100, administrative agency management server 310, and usage information management server 330, etc.) will be described. As shown in Fig. 3, the information processing device 900 according to this embodiment includes a central processing unit (CPU) 910, a read only memory (ROM) 920, and a random access memory (RAM) 930. The information processing device 900 also includes an auxiliary storage device 940 and a network I / F 970. The information processing device 900 may also include at least one of an output device 950 and an input device 960. The CPU 910, the ROM 920, the RAM 930, the auxiliary storage device 940, the output device 950, the input device 960, and the network I / F 970 are connected to each other via a bus 980.

[0025] The CPU 910 is a central processing unit that controls various operations of the information processing device 900. For example, the CPU 910 may control the operation of the entire information processing device 900. The ROM 920 stores a control program, a boot program, and the like that can be executed by the CPU 910. The RAM 930 is the main storage memory of the CPU 910, and is used as a work area or a temporary storage area for expanding various programs.

[0026] The auxiliary storage device 940 stores various data and various programs. The auxiliary storage device 940 is realized by a storage device capable of temporarily or persistently storing various data, such as a non-volatile memory represented by an HDD (Hard Disk Drive) or an SSD (Solid State Drive).

[0027] The output device 950 is a device that outputs various information, and is used to present various information to a user. For example, the output device 950 is realized by a display device such as a display. In this case, the output device 950 presents information to a user by displaying various information. As another example, the output device 950 may be realized by an audio output device that outputs sounds such as voice and electronic sounds. In this case, the output device 950 presents information to a user by outputting sounds such as voice and telegrams. In addition, a device applied as the output device 950 may be appropriately changed depending on a medium used to present information to a user.

[0028] The input device 960 is used to receive various instructions from the user. In this embodiment, the input device 960 includes input devices such as a mouse, a keyboard, and a touch panel. As another example, the input device 960 may include a sound collection device such as a microphone, and collect the voice uttered by the user. In this case, various analysis processes such as acoustic analysis and natural language processing are performed on the collected voice, and the content indicated by the voice is recognized as an instruction from the user. In addition, the device applied as the input device 960 may be appropriately changed depending on the method of recognizing the instruction from the user. In addition, multiple types of devices may be applied as the input device 960.

[0029] The network I / F 970 is used for communication with an external device via a network. The device used as the network I / F 970 may be changed as appropriate depending on the type of communication path and the communication method used.

[0030] The CPU 910 expands a program stored in the ROM 920 or the auxiliary storage device 940 into the RAM 930 and executes this program, thereby realizing the functional configuration of the information processing device shown in FIG. 4 and the processing of the information processing device described below with reference to FIG. 5.

[0031] An example of the hardware configuration of the information processing device 900 applicable as a device constituting the information processing system according to this embodiment has been described above with reference to FIG.

[0032] <Functional configuration> An example of the functional configuration of the information processing device 100 according to this embodiment will be described with reference to Fig. 4, focusing in particular on the portion related to the analysis of an individual's credit for use of a financial service such as credit screening. As shown in Fig. 4, the information processing device 100 (screening server) includes an input / output control unit 110, an authentication processing unit 120, a personal information acquisition unit 130, a usage information acquisition unit 140, an analysis unit 150, and an analysis unit 160.

[0033] The input / output control unit 110 performs various controls related to the presentation of information to the user and the acceptance of input from the user. In addition, the input / output control unit 110 may cooperate with the terminal device 200 to perform control related to the reading of the procedural medium 290 in the terminal device 200 and control related to the acquisition of information according to the reading result of the procedural medium 290. For example, the control of the UI related to the series of procedures described with reference to FIG. 2 is realized by the input / output control unit 110. In addition, the input information that the input / output control unit 110 accepts from the user via the terminal device 200 and the information acquired according to the reading result of the procedural medium 290 may be used by other components of the information processing device 100 described later.

[0034] The authentication processing unit 120 accesses the administrative agency management server 310 based on the information corresponding to the reading result of the procedural medium 290 acquired by the input / output control unit 110, and executes processing related to authentication of the individual corresponding to the procedural medium 290 (i.e., the user who is the holder of the procedural medium 290). Note that, since the authentication method can be realized by known techniques such as a method using an electronic certificate, a detailed explanation of the authentication processing will be omitted.

[0035] The personal information acquisition unit 130 acquires personal information of an individual (i.e., a user who is the holder of the procedural medium 290) corresponding to the procedural medium 290 according to the result of reading the procedural medium 290 in the terminal device 200, particularly personal information used for screening credit information related to the use of financial services or as an information acquisition key item for that purpose. Specifically, the personal information acquisition unit 130 acquires input information (e.g., a telephone number shown in FIG. 2) that the terminal device 200 accepts as input from a user and basic personal information acquired from the procedural medium 290 from the terminal device 200 via the input / output control unit 110. In addition, the personal information acquisition unit 130 acquires additional personal information from the administrative agency management server 310 by accessing the administrative agency management server 310 based on the result of authentication by the authentication processing unit 120. The personal information acquired by the personal information acquisition unit 130 is used by the usage information acquisition unit 140, the analysis unit 150, and the analysis unit 160 described later.

[0036] The usage information acquisition unit 140 accesses a usage information management system managed by a bank accounting system or a personal credit information agency, and acquires the usage information (e.g., account transaction information, personal credit information, etc.) of a target individual using key items based on a specific type of personal information as input. As a specific example, the key items may be composed of a single or a combination of kana name, kanji name, date of birth, sex, telephone number, bank account number, and identification information (e.g., My Number). In such a case, the usage information acquisition unit 140 generates key items by combining basic personal information and input information (personal information based on user input) acquired by the personal information acquisition unit 130, and acquires the usage information of the target user from the usage information management server 330 using the key items. The acquired usage information is used as variables that become input data for the analysis of the personal credit related to the use of financial services by the analysis unit 160 (in other words, the examination of the personal credit) described later, and for the calculation of the variables by the analysis unit 150.

[0037] Based on various personal information acquired by the personal information acquisition unit 130 and the usage information acquired by the usage information acquisition unit 140, the analysis unit 150 determines variables (model variables) that serve as input data to be applied to an analysis of an individual's credit related to the use of financial services by the analysis unit 160 described below. For example, Figures 6, 7A and 7B, and Figure 8 are diagrams showing an example of the relationship between the target variables, the personal information related to the determination of the variables, and the method of creating the same.

[0038] Fig. 6 is a diagram showing information used as variables in credit screening by conventional methods, and an example of a method of creating (calculating) the information when the technology according to this embodiment is used, together with personal information used in creating the information. As shown in Fig. 6, even if the information is manually entered in the conventional method, it can be identified based on automatically acquired basic personal information and additional personal information in this embodiment. For example, variables such as age and gender can be obtained or created based on basic personal information obtained from the procedural medium 290. As another example, for the variable of health insurance card type, it is possible to obtain information such as the insurer number, the date of qualification acquisition, and the date of qualification loss as additional personal information, and it is possible to identify the insurance card type by using this personal information. Specifically, it is possible to determine the insurance card type from the insurer number itself or the column of the listed insurance card number. It is also possible to confirm that the health insurance is currently subscribed to by using information on the qualification acquisition section and the date of qualification loss.

[0039] In addition, according to the technology of this embodiment, by using automatically acquired basic personal information and additional personal information, it is possible to acquire or create (calculate) information that was difficult to acquire by conventional methods, and it is also possible to use the information as a variable. For example, Figures 7A and 7B are diagrams showing an example of information that can be created based on personal information by using the technology of this embodiment, particularly information that can be used as a variable in an analysis of an individual's credit related to the use of financial services (for example, credit screening), and a method of creating (calculating) the information. As a specific example, the technology according to this embodiment makes it possible to obtain more detailed information on an individual's salary and income as additional personal information from the administrative agency management system. Therefore, for example, as shown in items 11 and 14 in Fig. 7A, more detailed information on income and salary, such as previous year's annual income, previous year's annual income by income type, income type category, and income type composition, can be used as variables that serve as input data for screening. As another example, the technology according to this embodiment makes it possible to obtain more detailed information on an individual's work history as additional personal information from the administrative agency management system. Therefore, for example, as shown as item number 17 in Fig. 7B, more detailed information on work history, such as past job resignations, can be used as input data variables for screening. Note that the specific content of the example shown in FIG. 7A and FIG. 7B will be described in detail later as a separate embodiment.

[0040] It is also possible to create information that can be applied as a variable that can be used in other types of analysis by using information (information applied as a variable) created (calculated) using basic personal information, additional personal information, usage information, etc. For example, Fig. 8 is a diagram showing an example of variables that can be created by using variables created (calculated) using basic personal information, additional personal information, usage information, etc., and a method of creating (calculating) the variables. As a specific example, as shown in item number 25, by combining the total debt amount obtained as usage information with the information on the current year's predicted annual income shown as item number 13 in Figure 7A, it is possible to calculate the debt-to-income ratio based on the current year's predicted annual income. As another example, as shown in item number 26, by combining the total debt amount obtained as usage information with information on annual income taking into account non-taxable income as exemplified in item number 15 of Figure 7A, it is possible to calculate the annual income-to-debt ratio based on annual income taking into account non-taxable income.

[0041] By using the calculated information as described above as variables that serve as input data when analyzing an individual's credit related to the use of financial services, a more precise analysis than with conventional methods is possible. In this embodiment, a form in which model variables are determined using basic personal information, additional personal information, and usage information has been described. However, this is not limiting. Furthermore, model variables may be determined using input information received from a user.

[0042] As exemplified above, the analysis unit 150 uses at least a part of the basic personal information, additional personal information, usage information, and input information input by the user to determine variables that will be input data for the analysis of the individual's credit related to the use of financial services by the analysis unit 160. Note that which information the analysis unit 150 uses when determining the variables may be changed as appropriate depending on the content of the analysis by the analysis unit 160, i.e., the variables used as input data in the analysis. Then, the analysis unit 150 outputs the determined variables to the analysis unit 160.

[0043] Based on the variables (model variables) output from analysis unit 150, analysis unit 160 performs an analysis of the creditworthiness of the target individual, that is, the individual indicated by the personal information on which the variables are based, with respect to the use of financial services. For example, the analysis unit 160 may determine a default probability to be used in a credit screening for a loan or credit by an analysis using the above variables as input data. For example, a method (e.g., a logistic regression model, etc.) described in Japanese Patent No. 6194434 may be used for the analysis related to the determination of this default probability. Also, a model trained based on so-called machine learning (a so-called machine learning model) may be applied. In this case, the model, for example, uses the various variables exemplified above as input data, and estimates based on machine learning using learning data in which the defaults corresponding to the variables are used as teachers. Of course, it goes without saying that other estimation methods may be applied. In the above manner, the analysis unit 160 performs a credit analysis of the target individual with respect to the use of financial services, and performs screening for the use of the financial services based on the results of the analysis. As a specific example, in the case of screening for the use of a loan, the analysis unit 160 may approve the use of the loan if the value obtained by subtracting the default probability obtained as the result of the analysis and the interest rate representing predetermined expenses, etc. from the interest rate of a contract of a predetermined loan, etc., is equal to or greater than a predetermined value, and may reject the use of the loan if the value is less than the predetermined value. In addition, when the analysis unit 160 approves the use of the loan, the analysis unit 160 may determine the conditions of the loan, such as the credit amount and the interest rate, based on the information such as the default probability obtained as the result of the analysis. In this embodiment, the default probability is calculated using basic personal information, additional personal information, usage information, and input information. However, the present invention is not limited to this. The basic personal information, additional personal information, usage information, and input information may be used for a judgment on the external appearance criteria and a judgment of acceptance or rejection at the discretion of the examiner. For example, in the judgment based on the external criteria, if any of the information included in the basic personal information, additional personal information, and usage information conflicts with any of the predetermined criteria, the loan may be rejected. In addition, in the judgment based on the examiner's discretion, the loan may be judged by accepting the judgment of the examiner based on the basic personal information, additional personal information, and usage information. Then, the analysis unit 160 outputs the results of the analysis and screening of the credit of the target individual regarding the use of the financial service to the input / output control unit 110 as the analysis result of the credit of the individual regarding the use of the financial service. This enables the input / output control unit 110 to present the analysis result of the credit of the individual subject to screening regarding the use of the financial service to a user (e.g., the individual) via the terminal device 200, as exemplified by the confirmation screen V105 shown in FIG.

[0044] An example of the functional configuration of the information processing device 100 according to this embodiment has been described above with reference to Fig. 4, focusing in particular on the portion related to the analysis of personal credit related to the use of financial services such as credit screening. Note that the configuration shown in Fig. 4 is merely an example, and does not limit the functional configuration of the information processing device 100 as long as it is possible to realize the functions of each component of the information processing device 100. For example, the functions of each component of the information processing device 100 described above may be realized by a plurality of devices working together. In addition, some of the component functions of the series of components of the information processing device 100 described above may be realized as functions of an external device different from the information processing device 100. As a specific example, a functional configuration may be such that a reception server that accepts user authentication has the functions of an input / output control unit 110, an authentication processing unit 120, and a personal information acquisition unit 130 shown in FIG. 4, and a screening server that performs credit screening has the functions of a usage information acquisition unit 140, an analysis unit 150, and an analysis unit 160. In this case, the reception server and the screening server may transmit and receive information by communication via a network, but this is not limited to this. For example, when the screening server is not connected to a network and is running as a stand-alone server, the information acquired by the reception server may be recorded on a recording medium such as a USB memory, and the information may be read by the screening server via the recording medium. In addition, the screening server may link the results of the credit screening to a relay server or an external device via the recording medium, or may communicate with an external device via a network only when transmitting the results of the credit screening. The result of the credit check may be sent to the terminal device 200 via the reception server, or may be sent to a contact address received from the user. As a specific example, a configuration may be applied in which the reception server has the function of input / output control unit 110, the relay server for connecting to the administrative agency management server has the functions of authentication processing unit 120 and personal information acquisition unit 130, and the screening server has the functions of usage information acquisition unit 140, analysis unit 150, and analysis unit 160. The reception server transmits identification information received from the user to the relay server, and the relay server recognizes the user using the received identification information and acquires additional personal information related to the user from the administrative agency management server. The relay server transmits the acquired additional personal information to the screening server, and the screening server performs credit screening using the received additional personal information. As another example, the processing load of at least some of the components of the above-mentioned information processing device 100 may be distributed to multiple devices. For example, various controls of the input / output control unit related to the presentation of information to the user and the acceptance of input from the user may be performed by a reception server, and controls related to the reading of the procedural medium 290 and the acquisition of information according to the reading result of the procedural medium 290 may be performed by a relay server. As another example, the functions of at least some of the components of the above-mentioned information processing device 100 may be realized by a network service such as a so-called cloud service. Furthermore, the model variables illustrated in Figures 6 to 8, including those in the examples described separately below, are merely examples, and the model applied to the analysis unit 160 need only be a generalized expression of the relationship between the information obtained from the administrative agency management system (at least one of additional personal information and basic personal information) and an individual's credit regarding the use of financial services (e.g., default probability).

[0045] <Processing> An example of the processing of the information processing system according to this embodiment will be described with reference to Fig. 5, focusing in particular on the processing of the information processing device 100. Note that, here, as illustrated in Fig. 2, the processing of the information processing device 100 will be described with a focus on an example of a case where a credit check for loan use is performed in response to an instruction from a user and the result is presented to the user.

[0046] In S101, the input / output control unit 110 presents a UI (for example, the operation screen V101 shown in FIG. 2) to the user via the terminal device 200, and accepts an instruction to start a loan application procedure via the UI. In addition, at this time, the input / output control unit 110 may accept input of some personal information of the user to be used in the loan application procedure from the user, as described as an operation via the operation screen V102 in FIG. 2.

[0047] In S102, the input / output control unit 110 executes a process related to reading a procedure medium 290 (e.g., My Number card) that is issued in association with identification information (e.g., My Number) assigned to an individual by an administrative agency or the like. Specifically, the input / output control unit 110 prompts the user to perform an operation related to reading the procedure medium 290 by presenting a UI (e.g., the operation screen V103 shown in FIG. 2) to the user via the terminal device 200. Then, when the procedure medium 290 is read by the terminal device 200, the input / output control unit 110 acquires information corresponding to the reading result of the procedure medium 290 from the terminal device 200. This information includes information (e.g., electronic certificate, etc.) used for authentication in the process of S103 described later, basic personal information held in the procedure medium 290, etc.

[0048] In S103, the authentication processing unit 120 accesses the administrative agency management server 310 managed by the administrative agency, and performs authentication of the individual (i.e., the user who is the subject of the procedure) corresponding to the procedure medium 290 based on information (e.g., an electronic certificate, etc.) corresponding to the result of reading the procedure medium 290 acquired in S102. If the authentication is successful in S103, the authentication processing unit 120 advances the process to S104.

[0049] In S104, the personal information acquisition unit 130 acquires from the administrative agency management server 310 personal information (additional personal information) used in the loan application procedure from the personal information managed in association with the individual authenticated in S103.

[0050] In S105, the usage information acquisition unit 140 accesses the usage information management server 330 managed by the bank accounting system or the personal credit information agency, and acquires the usage information of the target individual from the usage information management server 330 using as input the key items based on the various personal information acquired in S101 to S104. The process of acquiring the usage information in S105 only needs to be executed when the usage information is used in the loan application procedure, and does not need to be executed when the usage information is not used in the procedure.

[0051] In S106, the analysis unit 150 determines variables (model variables) that will be input data to be applied to an analysis of an individual's credit related to the use of financial services (loans) based on the various personal information acquired in S101 to S104 and the usage information acquired in S105. Note that an example of the variables is as described above, and a more specific example will be described separately later as an embodiment, so detailed description will be omitted.

[0052] In S107, the analysis unit 160 performs a credit analysis of the target individual (the individual indicated by the personal information on which the variables are based) with respect to the use of financial services (loans) based on the variables determined in S106. Note that an example of the analysis has been described above, and therefore a detailed explanation will be omitted. Here, the analysis unit 160 determines a default probability to be used in credit screening for the loan through the analysis. Then, based on the default probability determined as a result of the above analysis, the analysis unit 160 performs screening of the target individual, i.e., screening of the use of the loan. Note that an example of the screening has been described above, and therefore a detailed explanation will be omitted.

[0053] In S108, the input / output control unit 110 presents the results of the credit analysis and screening of the target individual in S107 regarding the use of financial services (loans) to the user via the terminal device 200. Although the case where the confirmation screen V105 is presented via the terminal device 200 has been described, other means may be used. As a specific example, the screening results may be presented by sending an email or a short message using an email address, telephone number, or the like received from the user.

[0054] An example of the processing of the information processing system according to the present embodiment has been described above with reference to FIG.

[0055] <Example> An example of an information processing system according to an embodiment of the present disclosure will be described below. As described above, the information processing device 100 according to this embodiment accesses the administrative agency management system based on the result of reading the procedural medium 290 and authenticates the target individual, thereby acquiring additional personal information that is added to the individual and managed in the administrative agency management system. In addition, the information processing device 100 acquires basic personal information stored in the procedural medium 290 according to the result of reading the procedural medium 290. Then, based on the basic personal information and the additional personal information, the information processing device 100 determines variables (model variables) that become input data to be applied to an analysis of the individual's credit related to the use of financial services. By determining the variables in this manner, it becomes possible to carry out detailed screening based on more diverse conditions, for example, more detailed conditions or more specific conditions, compared to conventional mechanisms, without increasing the burden on the user. Therefore, in this embodiment, a more specific example of a method for determining variables using the above-mentioned basic personal information and additional personal information will be described with reference to Figures 6 to 8. Also, in this embodiment, for convenience, an example of a case where personal information linked to My Number and managed by a Japanese administrative agency is acquired as basic personal information and additional personal information will be described.

[0056] For example, the series of variables shown in Figure 6 is information that has also been obtained in conventional credit screening, but in the information processing system of this embodiment, it shows an example of information that can be automatically obtained based on the results of reading the procedural medium 290. As a specific example, as shown in items 1 and 2, age and gender information can be derived based on the date of birth and gender information acquired as basic personal information. As shown in item 3, since it is possible to obtain information on the date of qualification as additional personal information, it is possible to derive information on years of service from the difference between the date of employment insurance qualification and the date of loan application, for example. Also, as shown in item 4, since it is possible to obtain information on the date of leaving employment and the date of employment insurance qualification as additional personal information, it is also possible to identify whether or not someone has left employment by using this information. In addition, as shown in item 5, it is possible to obtain information on the amount of special tax deduction for housing loans, etc. as additional personal information, so that this information can be used to determine whether or not an individual has a housing loan. Also, as shown in item 6, the insurer number, qualification acquisition date, and qualification loss date for National Health Insurance, as well as similar information for other health insurance (for example, employee insurance) can be acquired as additional personal information. Therefore, it is also possible to derive information on the type of insurance card from this information. Specifically, it is possible to identify that there is a history of enrollment in National Health Insurance from the presence of an entry in the item related to National Health Insurance, and to identify that the person is currently enrolled in National Health Insurance from the relative length of the qualification acquisition date and qualification loss date for National Health Insurance. The type of insurance card may also be determined from the insurer number. In addition, as shown in items 7 and 8, it is possible to obtain information on the name of the business establishment as additional personal information, and by linking this information with other databases, etc., it is possible to obtain information on industry classification and job type. Also, as shown in item number 9, it is possible to obtain information on the start date of the marital relationship, the end date of the marital relationship, the classification of the reason for the start of the marital relationship, and the classification of the reason for the end of the marital relationship as additional personal information. Therefore, for example, it is possible to identify whether or not a person has a spouse based on whether or not the start date and the end date of the marital relationship have been entered, or based on the relative size of these dates. In addition, as shown in item 10, it is possible to obtain information such as tax year, total income amount, total income amount, and salary income amount as additional personal information, so that it is also possible to derive the most recent annual income from this information. Of course, the example shown in Figure 6 is just one example. If the information is attached to individuals and managed by an administrative agency and the administrative agency allows the information to be used under certain conditions (e.g., authentication), it can be obtained as additional personal information and used as a variable.

[0057] Moreover, Figures 7A and 7B show an example of information that is not obtained in conventional credit screening and can be used to analyze an individual's credit in relation to the use of financial services such as credit screening. For example, income information such as annual income for the past several years, projected annual income for the current year based on that income information, income information such as annual income by income type, non-taxable income information such as benefits and allowances, employment and unemployment information for the past several years, payment and late payment information for taxes and social insurance premiums, number of children and their ages, past marital status, health information, etc.

[0058] For example, as shown in items 11 and 12, it is possible to obtain income information over several years as additional personal information, and by using this information, it is possible to identify information such as past year's annual income and past year's annual income trends. This makes it possible to incorporate past year's annual income into model variables in addition to the most recent year's annual income that was used in the conventional screening, and it is possible to differentiate in the screening between a person whose annual income in the most recent year is the same, but whose annual income was high only in the most recent year and low one year ago, and a person whose annual income has been at a high level for the past few years. In addition, by incorporating the increase or decrease from the annual income in the past year into the model variables, it is possible to determine that even if the annual income in the most recent year is the same, if the annual income has been almost the same for the past few years, it is likely that the annual income will remain the same in the future, and it is also possible to determine that if the annual income has increased in the past few years, it is likely that the annual income will continue to increase in the future.

[0059] Also, as shown in item 13, it is possible to predict the current year's annual income based on the information in items 11 and 12. Normally, in a credit screening, the screening is conducted based on the most recent year's annual income because it is not possible to know the expected annual income amount for the current fiscal year, but it is possible to use the predicted annual income for a year closer to the present. As a method for predicting the annual income, a calculation may be performed such as adding the average of the increase or decrease in the annual income of the past years to the annual income of the previous fiscal year as shown in item 13, or an estimation may be performed using a logistic regression model or a so-called machine learning model.

[0060] In addition, as shown in item 14, it is possible to obtain information such as an individual's total income, salary income, and income type information as additional personal information, and by using this information, it is possible to identify more detailed information regarding income and earnings, such as previous year's annual income by income type, income type category, and income type composition ratio. As a specific example, it is possible to use multiple income patterns as categorical values ​​and model variables, or to use composition ratios such as the salary income ratio and business income ratio as model variables. In addition, if it is permitted to obtain information on salary and income over multiple years as additional personal information, it is also possible to treat, for example, the trend of income over the past multiple years as a variable. This makes it possible to determine, for example, whether a person has only salary income, or whether they have both salary and business income, even if they have the same annual income. More specifically, it is possible to determine whether the individual in question is an employee who mainly receives salary income, but also has interest income or dividend income through asset management, or whether they have business income or miscellaneous income from a side job. This makes it possible to incorporate differences in default rates due to differences in income types, which could not be taken into account in conventional screening.

[0061] In addition, as shown in items 15 and 16, it is possible to obtain information on non-taxable income such as various grants as additional personal information. By using this information, it is possible to add non-taxable income to annual income, change in income type based on non-taxable income, etc. as model variables. This makes it possible, for example, to add in income that is non-taxable and therefore not added to annual income in the conventional examination (in other words, income that is considered equivalent to annual income) and conduct the examination.In addition, it is possible to estimate the occurrence of life events such as retirement or leave of absence, which could not be considered in the conventional examination, from the change in the status of receipt of benefits and the type of income, and incorporate the impact of these changes on the default rate into the examination.

[0062] As shown in item 17, it is possible to obtain information on employment history such as the date of employment insurance qualification acquisition and the date of leaving employment as additional personal information, so by using this information, it is possible to obtain the name of the company where the person previously worked, and also to use information such as the past leaving status as a model variable. As a specific example, by combining the number of times of leaving employment in the past five years and the reason for leaving employment, it is possible to treat the total number of times of changing jobs in the past five years and the total number of times of changing jobs for personal reasons in the past five years as model variables. In addition, recipients of employment insurance job seeker benefits are a group that changed jobs before finding a new job, and are considered to be at a slightly higher risk than job changers without a period of leaving employment, and may be at even higher risk depending on the reason for leaving employment. In consideration of this situation, a flag indicating the presence or absence of employment insurance job seeker benefits may be used as a model variable. This makes it possible to incorporate employment and leaving status over the past several years into the screening, whereas in the past screening, only the employment status of the currently employed company was referenced.

[0063] As shown in items 18 and 19, it is also possible to obtain payment information and overdue information for taxes, insurance premiums, etc. as additional personal information, so this information can be used as a model variable. It is also possible to treat the burden ratio of taxes and social insurance premiums to annual income as a model variable. This makes it possible to incorporate into the screening the difference in default rate due to the payment amount of taxes, insurance premiums, etc., and the presence or absence of overdue payments, which were not referenced in the conventional screening.

[0064] In addition, as shown in item 20, it is possible to obtain family register-related information such as the start date and reason for the parent-child relationship as additional personal information, and by using this information, it is possible to identify the number and ages of children. This makes it possible to create model variables such as the number of children, the number of preschool children, the number of university-aged children, etc., and to incorporate this information into the screening process.

[0065] In addition to the examples shown above, the information processing system according to this embodiment makes it possible to treat information such as past marital status, pathology risk, whether or not tax is levied outside of resident registration, and nursing home residence flag as model variables based on various information acquired as additional personal information. Since this information is not acquired in conventional screening, using this information as a model variable makes it possible to conduct screening under more precise conditions. Note that it is expected that consideration will be given to ensure that the screening content is not discriminatory.

[0066] It is also possible to create new model variables by further combining the above-mentioned variables with basic personal information, additional personal information, usage information, and input information entered by the user, etc. For example, Figure 8 shows an example of a variable that can be created separately by using variables created based on basic personal information, additional personal information, usage information, etc.

[0067] For example, as shown in item 25, by combining the total debt amount obtained as usage information with the current year's predicted income shown in item 13, it is possible to use the information on the debt-to-income ratio based on the current year's predicted income as a model variable. This makes it possible to calculate the debt-to-income ratio based on the current year's predicted income, whereas in conventional screening, the debt-to-income ratio is calculated based on the most recent year's income. In addition, as shown in item 29, by combining the age obtained as basic personal information with the income type information shown in item 14, it is possible to identify people who have been managing their assets since they were young as a low-risk group and create model variables such as a flag for the young asset-building group. Among the model variables shown in Figs. 6 to 8, the obtained information such as basic personal information, additional personal information, usage information, and input information is applied as a model variable as it is, which corresponds to an example of the "first variable", and a new variable created by applying a separate process to these corresponds to an example of the "second variable". For example, as shown in items 11 and 14 of Fig. 7, when the additional personal information "salary income amount" is obtained as 5 million yen, if the "salary income amount" is applied as a model variable as it is, it corresponds to the "first variable", and if a certain process is performed, such as calculating the composition ratio of "salary income amount" to "total income amount", it corresponds to the "second variable". As another example, as shown in item 17 of Fig. 7, the additional personal information "job application date" may be processed into a variable indicating the presence or absence of employment insurance job seeker benefits. By carrying out such processing, it is possible to create a model that predicts the default rate more precisely. 6 to 8 and the method of creating the model variables are merely examples and are not limited to these. Variables other than the basic personal information, additional personal information, usage information, and input information received from the user may be applied, or may be used to calculate new variables.

[0068] As an example of an information processing system according to this embodiment, a more specific example of a method for determining variables using the basic personal information and additional personal information described above has been described above with reference to Figures 6 to 8. Note that, although an example of a case where basic personal information and additional personal information are mainly used to determine model variables has been described above, the above is merely an example and does not limit the application of the technology according to the present disclosure. In other words, as long as the information is used for credit screening, it is possible to derive not only model variables but also other types of information by using basic personal information and additional personal information as exemplified above.

[0069] <Conclusion> As described above, the information processing device 100 according to this embodiment acquires additional personal information, which is personal information managed by an administrative agency and added to an individual, from the administrative agency management server 310 managed by the administrative agency based on the result of reading the procedural medium 290 holding the identification information assigned to the individual. Furthermore, the information processing device 100 calculates variables (model variables) to be applied to an analysis of the individual's credit related to the use of financial services based on the additional personal information. Then, the information processing device 100 performs an analysis of the credit related to the use of financial services for the target individual by using the variables as input data for a model that analyzes the individual's credit related to the use of financial services. By applying such a configuration, personal information used for analyzing personal credit can be automatically input into the system according to the results of reading the procedure medium 290, without the user (applicant) having to manually input the information, which is a cumbersome operation. This is expected to prevent problems caused by information errors due to manual input. In addition, since more diverse information can be used to analyze personal credit than before, analysis can be performed under more diverse conditions, making it possible to realize more precise screening.

[0070] It should be noted that the above-described embodiment is merely an example and does not necessarily limit the configuration or processing of the present invention. Various modifications and changes may be made without departing from the technical spirit of the present invention. The present invention also includes a program for implementing the functions of the above-described embodiments, and a computer-readable recording medium storing the program.

[0071] In addition, the following configurations also fall within the technical scope of the present disclosure. (1) An information processing device comprising: an acquisition means for acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by an administrative agency based on the results of reading a procedural medium holding identification information assigned to an individual; a calculation means for calculating variables to be applied to an analysis of the individual's credit related to the use of financial services based on the additional personal information; and an analysis means for analyzing the individual's credit related to the use of the financial services by using the variables as input data for a model that analyzes the individual's credit related to the use of the financial services. (2) The information processing device described in (1), wherein the procedural medium further holds basic personal information which is basic personal information indicating the individual, the acquisition means further acquires the basic personal information and acquires usage information associated with the basic personal information from a usage information management server which manages usage information according to each person's usage of financial services, and the calculation means calculates the variable using the usage information and the additional personal information. (3) The information processing device described in (2), wherein the calculation means calculates a second variable using a first variable based on at least one of the basic personal information, the additional personal information, and the usage information, and the analysis means analyzes the credit related to the individual's use of the financial service by using the first variable and the second variable as the input data. (4) The information processing device according to (2), further comprising a receiving means for receiving input information input by the individual, wherein the acquiring means acquires the usage information by adding the input information to the basic personal information. (5) The information processing device according to (4), wherein the receiving means receives, as the input information, contact information indicating a contact point at which the individual can be contacted. (6) The information processing device according to (3), further comprising a receiving means for receiving input information input by the individual, wherein the analysis means adds the input information to the first variable to calculate the second variable. (7) An information processing method executed by an information processing device, comprising: an acquisition step of acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by an administrative agency based on the results of reading a procedural medium holding identification information assigned to an individual; a calculation step of calculating variables to be applied to an analysis of the individual's credit related to the use of financial services based on the additional personal information; and an analysis step of analyzing the individual's credit related to the use of financial services by using the variables as input data for a model that analyzes the individual's credit related to the use of the financial services. (8) A program that causes a computer to execute the following steps: an acquisition step of acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by an administrative agency based on the results of reading a procedural medium that holds identification information assigned to an individual; a calculation step of calculating variables to be applied to an analysis of the individual's credit related to the use of financial services based on the additional personal information; and an analysis step of analyzing the individual's credit related to the use of financial services by using the variables as input data for a model that analyzes the individual's credit related to the use of the financial services. [Explanation of symbols]

[0072] 1. Information Processing Systems 100 Information processing device 110 Input / Output Control Unit 120 Authentication processing unit 130 Personal Information Acquisition Department 140 Usage information acquisition department 150 Analysis Department 160 Analysis Department 200 Terminal Equipment 290 Procedural Media 310 Government Agency Management Server 330 Usage information management server

Claims

1. an acquisition means for acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by the administrative agency based on the result of reading a procedural medium that holds identification information assigned to the individual; A calculation means for calculating a variable to be applied to an analysis of an individual's creditworthiness in relation to the use of financial services based on the additional personal information; an analysis means for analyzing the creditworthiness of an individual with respect to the use of the financial service by using the variables as input data for a model for analyzing the creditworthiness of an individual with respect to the use of the financial service; An information processing device comprising:

2. The procedural medium further holds basic personal information that is basic personal information representative of the individual; the acquiring means further acquires the basic personal information, and acquires usage information associated with the basic personal information from a usage information management server that manages usage information according to the usage status of each person of financial services; the calculation means calculates the variable using the usage information and the additional personal information; The information processing device according to claim 1 .

3. the calculation means calculates a second variable using a first variable based on at least one of the basic personal information, the additional personal information, and the usage information; the analysis means performs an analysis of credit related to the use of the financial service by the individual by using the first variable and the second variable as the input data; The information processing device according to claim 2 .

4. Further comprising a receiving means for receiving input information input by the individual, The acquiring means acquires the usage information by adding the input information to the basic personal information. The information processing device according to claim 2 .

5. The receiving means receives contact information indicating a contact point at which the individual can be contacted as the input information. The information processing device according to claim 4.

6. Further comprising a receiving means for receiving input information input by the individual, The analysis means adds the input information to the first variable to calculate the second variable. The information processing device according to claim 3 .

7. An information processing method executed by an information processing device, an acquisition step of acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by the administrative agency based on the result of reading a procedural medium that holds identification information assigned to the individual; A calculation step of calculating a variable to be applied to an analysis of an individual's credit related to the use of financial services based on the additional personal information; an analysis step of analyzing the individual's creditworthiness in relation to the use of the financial service by using the variables as input data for a model that performs an analysis of the individual's creditworthiness in relation to the use of the financial service; An information processing method comprising:

8. On the computer, an acquisition step of acquiring additional personal information, which is personal information managed by an administrative agency and added to an individual, from an administrative agency management server managed by the administrative agency based on the result of reading a procedural medium that holds identification information assigned to the individual; A calculation step of calculating a variable to be applied to an analysis of an individual's credit related to the use of financial services based on the additional personal information; an analysis step of analyzing the individual's creditworthiness in relation to the use of the financial service by using the variables as input data for a model that performs an analysis of the individual's creditworthiness in relation to the use of the financial service; A program to execute.

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