Program, information processing apparatus, and method

Abstract

To provide a program, an information processing apparatus, and a method that perform appropriate evaluations even for users with little sales performance and manage the issuance of credit cards.SOLUTION: A program executed by a server that is a computer including a processor and a storage unit causes the processor to execute the steps of: receiving an application for a credit card from a user of a terminal device; acquiring account information of the user from the storage unit in which the user's account information is previously registered in response to the application for the credit card; acquiring, from the acquired account information, information on the user's cash and deposit balance and depositing / dispensing; performing credit administration for the issuance of the credit card from the acquired information on cash and deposit balance and depositing / dispensing; and determining a limited cost of the credit card by performing calculations using a gradient boosting tree on the basis of the acquired information on cash and deposit balance and depositing / dispensing.SELECTED DRAWING: Figure 6

Description

[Technical field]

[0001] The present disclosure relates to a program, an information processing device, and a method. [Background technology]

[0002] 2. Description of the Related Art Systems are known that perform credit card screening based on a user's financial statements and the like.

[0003] Patent Document 1 discloses a technology relating to a system for calculating a credit limit on a corporate card based on a user's financial situation and desired credit limit. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2020-067667 A Summary of the Invention [Problem to be solved by the invention]

[0005] The technology in Patent Document 1 describes a technique for calculating a credit limit for a user (corporation) who has already been issued a card, based on the user's financial situation and desired credit limit. However, with the technology in Patent Document 1, if the user is a corporation with poor sales performance, such as in the early days of a business, it is difficult to appropriately evaluate the user, and as a result, the credit limit on the corporate card may be kept low.

[0006] Therefore, this disclosure describes a technology that enables a system for managing credit card issuance to appropriately evaluate users with poor sales records, etc., and to manage the issuance of credit cards. [Means for solving the problem]

[0007] According to one embodiment of the present disclosure, there is provided a program executed by a computer including a processor and a memory unit, in which user account information is pre-registered, and the program causes the processor to execute the steps of accepting an application for a credit card from a user, acquiring the user's account information as a process for the credit card application, acquiring the user's cash balance and deposit / withdrawal information from the acquired account information, conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information, and outputting the results of the credit check, and in the step of conducting the credit check, performing calculations using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information to determine the credit card limit. Effect of the Invention

[0008] According to the present disclosure, in a system for managing the issuance of credit cards, it is possible to appropriately evaluate users who have poor sales records, etc., and to manage the issuance of credit cards. [Brief description of the drawings]

[0009] [Figure 1] 1 is a diagram showing the overall configuration of a credit card issuance and management system 1. FIG. [Diagram 2] 1 is a block diagram showing a functional configuration of a terminal device 10 constituting a credit card issuance and management system 1 of the first embodiment. [Diagram 3] FIG. 2 is a diagram showing a functional configuration of a server 20 constituting the credit card issuance and management system 1 of the first embodiment. [Figure 4] 2 is a diagram showing an example of a data structure of a user information database 2022 stored in the server 20. FIG. [Diagram 5] 2 is a diagram showing an example of the data structure of an account information database 2023 stored in the server 20. FIG. [Figure 6]4 is a flowchart showing an example of a flow of processing for credit examination by the credit card issuance management system 1 of the first embodiment. [Figure 7] 13 is a diagram showing an example of a screen when the result of a credit check in the credit card issuance management system 1 is presented to a user. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. The following description and drawings are examples for explaining the present invention, and appropriate omissions and simplifications have been made for clarity of explanation. The present invention can be implemented in various other forms. Unless otherwise specified, each component may be singular or plural.

[0011] In the drawings explaining the embodiments, the same reference numerals are used to designate parts having the same functions, and repeated explanations thereof will be omitted.

[0012] In order to facilitate understanding of the invention, the position, size, shape, range, etc. of each component shown in the drawings may not represent the actual position, size, shape, range, etc. Therefore, the present invention is not necessarily limited to the position, size, shape, range, etc. disclosed in the drawings.

[0013] In the following explanation, various information may be explained using expressions such as "table," "list," and "queue," but the various information may be expressed in other data structures. To indicate independence of data structure, "XX table," "XX list," and the like may be referred to as "XX information." When explaining identification information, expressions such as "identification information," "identifier," "name," "ID," and "number" are used, but these are interchangeable.

[0014] Furthermore, in the following description, the configuration of each table is an example, and one table may be divided into two or more tables, or all or part of two or more tables may be one table.

[0015] When there are multiple components having the same or similar functions, they may be described by using the same reference numerals with different subscripts. However, when there is no need to distinguish between these multiple components, the subscripts may be omitted.

[0016] In addition, in the following description, the processing performed by executing a program may be described, but the program is executed by a processor (e.g., CPU, GPU) to perform a defined process using storage resources (e.g., memory) and / or interface devices (e.g., communication ports) as appropriate, so the subject of the processing may be the processor. Similarly, the subject of the processing performed by executing a program may be a controller, device, system, computer, or node having a processor. The subject of the processing performed by executing a program may be a calculation unit, and may include a dedicated circuit (e.g., FPGA or ASIC) that performs a specific process.

[0017] In the following description, a "processor (unit)" refers to one or more processors. The at least one processor is typically a microprocessor such as a CPU (Central Processing Unit), but may be another type of processor such as a GPU (Graphics Processing Unit). The at least one processor may be a single-core or multi-core.

[0018] Furthermore, the at least one processor may be a processor in the broad sense, such as a hardware circuit (for example, a field-programmable gate array (FPGA) or an application specific integrated circuit (ASIC)) that performs part or all of the processing.

[0019] In the following description, a "memory unit" refers to one or more memories, typically a primary storage device. At least one memory in the memory unit may be a volatile memory or a non-volatile memory.

[0020] A program may be installed in a device such as a computer from a program source. The program source may be, for example, a program distribution server or a computer-readable storage medium. When the program source is a program distribution server, the program distribution server may include a processor and a storage resource for storing a program to be distributed, and the processor of the program distribution server may distribute the program to be distributed to other computers. In the following description, two or more programs may be realized as one program, and one program may be realized as two or more programs.

[0021] In this disclosure, a storage device includes a single storage drive such as a single HDD (Hard Disk Drive) or SSD (Solid State Drive), a RAID device including multiple storage drives, and multiple RAID devices. In addition, if the drive is an HDD, it may include, for example, a SAS (Serial Attached SCSI) HDD or a NL-SAS (Nearline SAS) HDD.

[0022] In the following description, identification numbers are used as identification information for various objects, but other types of identification information (for example, identifiers including alphabetic characters or symbols) may be used instead.

[0023] In addition, in the following description, when describing elements of the same type without distinguishing between them, reference signs (or common signs among the reference signs) may be used, and when describing elements of the same type with distinction between them, the identification numbers (or reference signs) of the elements may be used.

[0024] In the following description, the control lines and information lines are those that are considered necessary for the description, and not all control lines and information lines in the product are necessarily shown. All components may be connected to each other.

[0025] <Summary> The credit card issuance management system according to the present disclosure will be described below. This credit card issuance management system is a system for providing a service for managing the issuance of credit cards by conducting credit checks and the like online for users. Recently, it has become common to conduct credit checks and the like related to the issuance of credit cards online, and a credit check is performed on a user by inputting necessary information from a terminal owned by the user or a terminal installed at a financial institution.

[0026] Generally, credit cards are issued for personal use (personal) or for business use (business), regardless of whether the cardholder is a corporation or not. When issuing a business credit card, it may be issued to the representative of the corporation, or to the corporation itself.

[0027] When credit is granted to a representative, it is the same as a personally owned credit card, so the card itself is relatively easy to issue (the credit screening hurdle is low), but the credit amount (for business use) is often small.

[0028] In addition, when granting credit to a corporation itself, it incurs costs to screen the corporation itself, and in the early stages of a business, the company has no credit history (credit card and loan usage history; information is recorded in credit bureaus to which financial institutions such as credit card companies, consumer finance companies, and banks belong, and the information is shared with member companies) or sales track record, so the company itself cannot be evaluated. As a result, it is often not possible to grant credit, or even if it is possible, the credit limit (for business use) is low.

[0029] This disclosure provides a system that evaluates the financial indicators, accounting billing information, business status, etc. of a company that does not have a sales record, evaluates the company itself, issues credit cards, monitors credit card usage, conducts reviews and credit on a case-by-case basis, and controls credit card usage limits.

[0030] Therefore, in the credit card issuance management system according to the present disclosure, there is provided a program executed by a computer having a processor and a memory unit, in which user account information is pre-registered, and the program causes the processor to execute the steps of accepting an application for a credit card from a user, acquiring the user's account information as a process for the credit card application, acquiring the user's cash balance and deposit / withdrawal information from the acquired account information, conducting a credit check related to the issuance of a credit card from the acquired cash balance and deposit / withdrawal information, and outputting the results of the credit check, and in the step of conducting the credit check, performing calculations using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information to determine the credit card limit.

[0031] <First embodiment> The following describes the credit card issuance management system 1. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

[0032] <1 Overall configuration of credit card issuance management system 1> Fig. 1 is a diagram showing the overall configuration of a credit card issuance and management system (hereinafter sometimes simply referred to as the "system") 1. As shown in Fig. 1, the credit card issuance and management system 1 includes a plurality of terminal devices (terminal device 10A and terminal device 10B are shown in Fig. 1. Hereinafter, they may be collectively referred to as "terminal device 10") and a server 20. Terminal device 10 and server 20 are connected to each other via a network 80 so that they can communicate with each other. Network 80 is configured as a wired or wireless network.

[0033] The terminal device 10 is a device operated by each user. Here, the user is a person who uses the terminal device 10 to input account information, which is a function of the credit card issuance management system 1, and is, for example, a manager of a corporation (company). The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, or the like. Alternatively, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system, a mobile terminal such as a smartphone, or the like.

[0034] The terminal device 10 is communicatively connected to the server 20 via a network 80. The terminal device 10 is connected to the network 80 by communicating with communication devices such as a wireless base station 81 compatible with communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN router 82 compatible with wireless LAN (Local Area Network) standards such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. As shown as the terminal device 10B in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage unit 16, and a processor 19.

[0035] The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with an external device. The input device 13 is an input device (e.g., a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving an input operation from a user. The output device 14 is an output device (a display, a speaker, etc.) for presenting information to a user. The memory 15 is for temporarily storing a program and data processed by the program, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for saving data, and is, for example, a flash memory or a HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

[0036] The server 20 is a device that manages a series of processes related to credit card issuance management. The server 20 has user information, user account information, etc. registered in the storage unit, and acquires the user's financial status from the various information registered in the storage unit. The server 20 performs a credit check on the user from the acquired financial status of the user, and performs a process for setting a credit card limit that the user can use. The server 20 may check the user's financial status and re-execute a credit check at predetermined intervals after issuing the user's credit card, not only when the user applies for a credit card for the first time, but also after the user applies for a credit card, and may reset the limit.

[0037] The server 20 is a computer connected to a network 80. The server 20 includes a communication IF 22, an input / output IF 23, a memory 25, a storage 26, and a processor 29.

[0038] The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with an external device. The input / output IF 23 functions as an interface with an input device for receiving an input operation from a user and an output device for presenting information to a user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 29 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

[0039] <1.1 Configuration of the terminal device 10> FIG. 2 is a block diagram showing a functional configuration of the terminal device 10 constituting the credit card issuance management system 1 of the first embodiment. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (antenna 111, antenna 112), wireless communication units (first wireless communication unit 121, second wireless communication unit 122) corresponding to the respective antennas, an operation reception unit 130 (including a keyboard 1301 and a mouse 1302), a voice processing unit 140, a microphone 141, a speaker 142, a display 150, a storage unit 170, and a control unit 180. The terminal device 10 also has functions and configurations (for example, a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.) that are not particularly shown in FIG. 2. As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

[0040] The antenna 111 emits a signal generated by the terminal device 10 as a radio wave. The antenna 111 also receives a radio wave from space and provides the received signal to the first wireless communication unit 121.

[0041] The antenna 112 radiates a signal generated by the terminal device 10 as a radio wave. The antenna 112 also receives the radio wave from space and provides the received signal to the second radio communication unit 122.

[0042] The first wireless communication unit 121 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 111 so that the terminal device 10 can communicate with other wireless devices. The second wireless communication unit 122 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 can communicate with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, a Received Signal Strength Indicator (RSSI) calculation circuit, a Cyclic Redundancy Check (CRC) calculation circuit, a high-frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation / demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10, and provide the received signals to the control unit 180.

[0043] The operation reception unit 130 has a mechanism for receiving input operations from a user. Specifically, the operation reception unit 130 includes a keyboard 1301 and a mouse 1302. Note that the operation reception unit 130 may be configured as a touch screen that detects the user's contact position on the touch panel, for example, by using a capacitive touch panel.

[0044] The keyboard 1301 accepts input operations by the user of the terminal device 10. The keyboard 1301 is a device for inputting characters, and outputs input character information to the control unit 180 as an input signal.

[0045] The mouse 1302 accepts input operations by the user of the terminal device 10. The mouse 1302 is a pointing device for selecting an object displayed on the display 150, and outputs position information of an object selected on the screen and information indicating that a button has been pressed to the control unit 180 as input signals.

[0046] The audio processing unit 140 modulates and demodulates an audio signal. The audio processing unit 140 modulates a signal provided from the microphone 141 and provides the modulated signal to the control unit 180. The audio processing unit 140 also provides the audio signal to the speaker 142. The audio processing unit 140 is realized by, for example, a processor for audio processing. The microphone 141 accepts audio input and provides an audio signal corresponding to the audio input to the audio processing unit 140. The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10.

[0047] Display 150 displays data such as images, videos, and text under the control of control unit 180. Display 132 is realized by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

[0048] Storage unit 170 is configured with, for example, a flash memory, and stores data and programs used by terminal device 10. In one aspect, storage unit 170 stores user information 1701.

[0049] User information 1701 is information about a user who uses the terminal device 10 to input account information, which is a function of the credit card issuance management system 1. The user information includes information for identifying the user (user ID), the user's name, the user's age, the user's sex, the company to which the user belongs, the position in the company, information about the financial institution that is linked to the user's account information, and the like.

[0050] The control unit 180 reads a program stored in the storage unit 170 and executes instructions included in the program to control the operation of the terminal device 10. The control unit 180 is, for example, an application that is pre-installed in the terminal device 10. The control unit 180 operates according to the program to fulfill the functions of an input operation reception unit 1801, a transmission / reception unit 1802, a data processing unit 1803, and a notification control unit 1804.

[0051] The input operation receiving unit 1801 performs processing for receiving input operations by a user via an input device such as the keyboard 1301 .

[0052] The transmitting / receiving unit 1802 performs processing for the terminal device 10 to transmit and receive data to and from an external device such as the server 20 in accordance with a communication protocol.

[0053] The data processing unit 1803 performs calculations on the data input by the terminal device 10 according to a program, and outputs the calculation results to a memory or the like.

[0054] The notification control unit 1804 performs processing to present information to the user. The notification control unit 1804 performs processing to display a display image on the display 150, processing to output sound to the speaker 142, and the like.

[0055] <1.2 Functional configuration of server 20> 3 is a diagram showing the functional configuration of server 20 constituting credit card issuance and management system 1 of embodiment 1. As shown in FIG. 3, server 20 exerts the functions of communication unit 201, storage unit 202, and control unit 203.

[0056] The communication unit 201 performs processing for the server 20 to communicate with external devices.

[0057] The storage unit 202 stores data and programs used by the server 20. The storage unit 202 stores a user information database 2022, an account information database 2023, teacher data 2024, a learning model 2025, and the like.

[0058] The user information database 2022 is a database for holding, for example, the following information as various information relating to a user who inputs account information and the like in the credit card issuance and management system 1. Details will be described later. If the user is an individual, information such as the user's name, place of employment, etc. If the user is a corporation, information such as the name of the corporation and the name of the representative

[0059] The account information database 2023 is a database for holding various information regarding the account information of each user in the credit card issuance management system 1, which is registered in advance in the storage unit 202, or various information regarding the user's bank account input by the user. Here, the user who obtains the account information may be a corporation or an individual. Details will be described later.

[0060] In one aspect, server 20 may obtain information related to a user's account from software, applications, programs, etc. that provide associated accounting services, etc., and store the information in account information database 2023. In this case, the associated software, applications, programs, etc. may be provided in an external system different from system 1, or may be provided inside system 1. Alternatively, in another aspect, server 20 may obtain at least a portion of information related to a user's account, such as a cash balance and deposit / withdrawal information, from financial institution server 30 connected to system 1 via network 80, and store the information in account information database 2023.

[0061] The teacher data 2024 is data consisting of pairs of information on the user's cash balance and deposits and withdrawals, and the credit card limit issued to the user, which is the result of a credit check on the user. The teacher data 2024 may be obtained from the result of a credit check by the credit check execution module 2036, which will be described later, or may be obtained by other methods. The teacher data 2024 is stored in the memory unit 202 of the server 20 prior to operation of the system 1 of this embodiment.

[0062] The learning model 2025 is obtained by making the machine learning model perform machine learning according to an unillustrated model learning program based on the above-mentioned teacher data 2025. When the user's cash balance and deposit / withdrawal information are input to this learning model 2025, the credit card limit to be issued to this user is output.

[0063] The learning model 2025 according to this embodiment is, for example, a parameterized composite function in which a plurality of functions are combined. The parameterized composite function is defined by a combination of a plurality of adjustable functions and parameters. The prediction model according to this embodiment may be any parameterized composite function that satisfies the above requirements, but is assumed to be a multi-layered network model (hereinafter referred to as a multi-layered network). A prediction model using a multi-layered network has an input layer, an output layer, and at least one intermediate layer or hidden layer provided between the input layer and the output layer. The prediction model is expected to be used as a program module that is a part of artificial intelligence software.

[0064] As the multi-layered network according to the present embodiment, for example, a deep neural network (DNN) that is a multi-layered neural network that is the subject of deep learning may be used. As the DNN, for example, a convolution neural network (CNN) that targets images may be used.

[0065] Furthermore, the above is merely an example of a prediction model, and the prediction model may have other configurations.

[0066] In one aspect, the memory unit 202 stores a plurality of learning models 2025. Details of the learning models 2025 will be described later.

[0067] The control unit 203 performs functions indicated in various modules, such as a receiving control module 2031, a transmitting control module 2032, a user information acquisition module 2033, a credit card application acceptance module 2034, an account information acquisition module 2035, a credit check execution module 2036, a limit setting module 2037, and a learning model generation module 2038, by the processor of the server 20 performing processing in accordance with the application program 2021 stored in the memory unit 202.

[0068] The reception control module 2031 controls the process in which the server 20 receives a signal from an external device in accordance with a communication protocol.

[0069] The transmission control module 2032 controls the process in which the server 20 transmits signals to external devices in accordance with a communication protocol.

[0070] The user information acquisition module 2033 controls the process of acquiring various information about a user from a user (e.g., a corporation) who uses the credit card issuance management system 1. The various information about the user includes information such as the user's name, age, sex, place of employment, job title, and the name of the affiliated financial institution. The user information acquisition module 2033 may acquire information such as the name of the affiliated financial institution from the various information about the user from the financial institution server 30. The user information acquisition module 2033 stores the acquired information about the user in the user information database 2021.

[0071] The credit card application acceptance module 2034 controls the process of accepting information related to a credit card application from a user who uses the credit card issuance management system 1. Here, the credit card applied for by the user may be a credit card issued to an individual, including a sole proprietor, or a corporate credit card.

[0072] The account information acquisition module 2035 controls the process of acquiring information about a user's account from a user who uses the credit card issuance management system 1. Specifically, when the credit card application acceptance module 2034 accepts a credit card application from a user, the account information acquisition module 2035 acquires the account information of the user that is pre-stored in the storage unit. For example, the account information acquisition module 2035 acquires the following information as the user's account information: - User deposit and withdrawal history for a given period - Changes in the user's account balance over a given period · Source and destination of user deposits and withdrawals

[0073] In one aspect, the server 20 may obtain information related to the user's account from software, applications, programs that provide associated accounting services, etc., or even from a financial institution server 30, etc., rather than from the user's account information pre-stored in a memory unit.

[0074] The credit examination execution module 2036 controls the process of executing a credit examination of a user who uses the credit card issuance management system 1. Specifically, the credit examination execution module 2036 executes a credit examination of a user based on a predetermined index, which is based on the user's account information acquired by the account information acquisition module 2035. The predetermined index is, for example, the cash balance and deposit / withdrawal information in the user's account information, and the server 20 may execute a credit examination based on the cash balance and deposit / withdrawal information in the user's account information immediately before executing the credit examination.

[0075] In one aspect, the credit examination execution module 2036 may receive information from an external credit information system with which it is linked, and perform a credit examination by referring to that information.

[0076] The credit examination execution module 2036 may store the result of the credit examination in the memory unit 202. At this time, the result of the credit examination includes, for example, the following: -Determined credit classification (classifications such as A rank, B rank, etc. are defined, and a credit limit is set for each classification) Authorization to issue credit cards - Refusal to issue a credit card

[0077] The credit limit setting module 2037 controls the process of setting a credit limit for a user based on the result of the user's credit check received from the credit check execution module 2036. Specifically, the credit limit setting module 2037 determines a predetermined credit category based on the cash balance and deposit / withdrawal information in the user's account information at the time of limit setting operation, and sets the credit card limit by multiplying the reference balance calculated by the credit check execution module 2036 by a ratio determined for that credit category. In one aspect, when issuance of a credit card is rejected as a result of the credit check, the credit limit setting module 2037 may set the credit card limit to 0 yen.

[0078] In a certain aspect, the credit examination execution module 2036 and the credit limit setting module 2037 may execute a credit examination of a user and set a credit limit by utilizing the learning model 2025 stored in the storage unit 202. Specifically, the server 20 may execute a credit examination of a user and set a credit limit by utilizing the learning model 2025 based on a machine learning model using a Gradient Boosting Decision Tree (GBDT).

[0079] The gradient boosting decision tree is a machine learning method that combines three methods, namely, "gradient descent", "ensemble learning (Boosting)" and "decision tree". Preferably, learning models 2025 suitable for each of the three methods, "gradient descent", "ensemble learning (Boosting)" and "decision tree", are stored in the memory unit 202, and the credit examination execution module 2036 and the credit limit setting module 2037 may select one of the learning models 2025 or a combination thereof based on a predetermined qualitative condition, and perform credit examination and credit limit setting processing based on the selected learning model 2025.

[0080] In another aspect, the credit examination execution module 2036 and the credit limit setting module 2037 set the reference value of the user's cash balance and deposit / withdrawal, and perform the calculation of the credit limit setting using a plurality of judgment models based on this reference value. As an example, judgment models are prepared for the case where the reference balance is 1 million to 10 million yen and for the case where it is 10 million yen or more, and the judgment model is selected according to the reference balance to perform the credit examination and credit limit setting process.

[0081] At this time, the credit examination execution module 2036 and the credit limit setting module 2037 perform the credit examination and credit limit setting process using LightGBM (Light Gradient Boosting Machine). LightGBM is an analysis algorithm in machine learning, and is one of the data analysis methods in the field called "supervised learning" that expresses a target variable from given data. Therefore, it is preferable that the learning model 2025 stored in the storage unit 202 is a learning model 2025 based on LightGBM.

[0082] Furthermore, the credit examination execution module 2036 and the limit setting module 2037 can use Logloss (Logarithmic Loss) as an evaluation function of the learning model 2025 stored in the storage unit 202. Logarithmic loss is one of the evaluation indices for tasks (problems) of binary classification or multi-class classification, and is a value that indicates how close the prediction by the machine learning model is to the correct answer.

[0083] In one aspect, the account information acquisition module 2035 may execute a process of acquiring the user's account information at predetermined intervals after issuing a credit card. The credit examination execution module 2036 may execute a credit examination of the user again based on the user's account information acquired by the account information acquisition module 2035. At this time, the credit examination execution module 2036 may perform a credit examination by referring to the usage status of the user's credit card. Information included in the usage status of the user's credit card includes, for example, the following: Credit card usage amount within a certain period - User's bank account balance - Changes in the user's bank account balance over a certain period of time - User cash advance usage amount within a certain period

[0084] The credit limit setting module 2037 may reset the credit limit of the user based on the result of the credit check performed by the credit check execution module 2036. The predetermined period may be every time the user's account information changes, or may be any period specified by the user or the associated financial institution.

[0085] In one aspect, the server 20 may execute a process to stop the user from using the credit card if the reference balance falls below a predetermined threshold as a result of re-performing a credit check.

[0086] This allows financial institutions that issue credit cards to allow users to use their credit cards appropriately.

[0087] The learning model generation module 2038 generates a learning model 2025 using the teacher data 2024 stored in the storage unit 202, and stores the generated learning model 2025 in the storage unit. The method of generating the learning model 2025 by the learning model generation module 2038 is a method of generating the learning model 2025 from the teacher data 2024 based on the contents of the learning model 2025 already described, and since the method itself is a well-known method, detailed description thereof will be omitted here.

[0088] <2 Data Structure> FIG. 4 is a diagram showing an example of the data structure of the user information database 2022 stored in the server 20. As shown in FIG.

[0089] As shown in FIG. 4, each record in the user information database 2022 includes the following items: “User ID”, “Individual / Corporate”, “Name / Name of Company”, “Representative’s Name”, “Age”, “Gender”, “Place of Work”, “Business Description”, “Position”, “Account Type”, “Account Linkage”, “Notes”, etc.

[0090] The item “user ID” is information for identifying each user managed by the credit card issuance management system 1 .

[0091] The item "individual / corporation" is information for identifying whether a user managed by the credit card issuance management system 1 is an individual (general) or a corporation (including sole proprietor).

[0092] The item "Name" is information indicating the name and name (corporate name, etc.) of the user managed by the credit card issuance management system 1. In this case, if the user is an individual, the item may be stored as "name" information, and if the user is a corporation, the item may be stored as "name" information.

[0093] The item "representative name" is information for identifying the name of the representative of a corporation if the user is a corporation.

[0094] The item "age" is information indicating the age of a user managed by the credit card issuance management system 1 when the user is an individual.

[0095] The item "gender" is information indicating the gender of a user when the user managed by the credit card issuance management system 1 is an individual.

[0096] The item "Place of Work" is information indicating the place of work of the user when the user managed by the credit card issuance management system 1 is an individual. In a certain aspect, the server 20 may execute a credit check of the user based on the information on the place of work. For example, when the server 20 acquires information that the place of work belongs to an antisocial company or provides benefits to the company, the server 20 may execute a process such as not issuing a credit card to the user.

[0097] The item "business details" indicates information identifying the business details of the user's workplace if the user managed by the credit card issuance management system 1 is an individual, or the business details of the user if the user is a corporation.

[0098] The item "job title" is information indicating the job title of a user when the user is an individual and is managed by the credit card issuance management system 1. Specifically, this item includes, for example, the following as the job title of the user. ·Regular employee (no title) ·Chief Section Chief Group Leader

[0099] The item "account type" is information that identifies whether the account opened by the user is a general account or a corporate account.

[0100] The item "account link destination" is information indicating a financial institution with which a user managed by the credit card issuance management system 1 links account information with the system. The account link destination includes, for example, the following information: Name of financial institution Financial institution branch name Financial institution account type

[0101] In one aspect, server 20 may acquire the information by linking with applications provided by each financial institution.

[0102] This allows financial institutions that issue credit cards to prevent issuing credit cards to users who violate public order and morals, even if their financial situation meets the requirements.

[0103] The item “remarks” is information that is held when there are any special notes regarding a user managed by the credit card issuance management system 1. In addition to the above, the user information database 2021 may also hold, for example, the following information. User's annual income / sales -Year of establishment (if the user is a corporation) Number of employees (if the user is a corporation) In one aspect, the server 20 may perform a credit check for issuing a credit card based on the various pieces of user information described above.

[0104] FIG. 5 is a diagram showing an example of the data structure of the account information database 2023 stored in the server 20. As shown in FIG.

[0105] As shown in FIG. 5, each record in the account information database 2023 includes an item "User ID", an item "Date", an item "Action", an item "Details", an item "Amount", an item "Balance", an item "Notes", etc.

[0106] The item “user ID” is information that identifies each user associated with account information managed by the credit card issuance management system 1.

[0107] The item "Date" is information indicating the date on which a specific action occurred in the user's bank account managed by the credit card issuance management system 1. Specifically, this item indicates information on the date on which an action such as a deposit or withdrawal occurred in the user's bank account.

[0108] The item "category" is information indicating the category of an action that occurred in a user's bank account managed by the credit card issuance management system 1. For example, the item "category" includes the following information: ·payment Withdrawals

[0109] The item "Details" is information showing details of an action that occurred in a user's bank account managed by the credit card issuance management system 1. Specifically, the detailed action information includes, for example, the following: - Name of the company from which the funds are deposited and to which the funds are withdrawn Classification of deposits and withdrawals (transfers, withdrawals, repayments, etc.) In one aspect, the server 20 may perform a credit check on the user based on the detailed information.

[0110] The item “amount” is information indicating the amount deposited or withdrawn by an action that occurred in the user's bank account managed by the credit card issuance management system 1 .

[0111] The item "Balance" is information indicating the deposit balance of a user's bank account after an action has occurred in the user's bank account managed by the credit card issuance management system 1. The server 20 may calculate a reference balance based on a statistical value based on the balance transition in the user's account information immediately before conducting a credit check, and may conduct a credit check based on the calculated reference balance.

[0112] The item "Notes" is information that is stored when there are any special notes in the information on the user's bank account managed by the credit card issuance management system 1.

[0113] <3 operations> A series of processes performed by the credit card issuance and management system 1 in the first embodiment will be described below with reference to FIG.

[0114] FIG. 6 is a flowchart showing an example of a flow of processing for credit examination by the credit card issuance management system 1 according to the first embodiment.

[0115] In step S650, as pre-processing for step S651 described later, the control unit 203 of the server 20 registers the user's account information in advance in the storage unit 202. Specifically, the account information acquisition module 2035 constituting the control unit 203 of the server 20 controls the process of acquiring information about the user's bank account from the user who uses the credit card issuance management system 1. Here, the information about the user's bank account includes, for example, the following: Name of financial institution Financial institution branch name Financial institution account type - User's deposit and withdrawal history (constitutes part of the deposit and withdrawal information) - User's account balance (i.e. cash balance) · The source and destination of the user's deposits and withdrawals (constituting part of the deposit and withdrawal information)

[0116] Here, the control unit 203 may obtain various information regarding the user's bank account from software, applications, programs, etc. that provide associated accounting services, or from financial institution servers 30, applications, etc. provided by each financial institution.

[0117] In step S601, the control unit 180 of the terminal device 10 accepts an application for a credit card from a user. Specifically, for example, the control unit 180 accepts the application by displaying a screen for applying for a credit card on the display 150 or the like and accepting an input operation from the user. In one aspect, the control unit 180 may accept bank account information, etc. from the user when accepting the application for the credit card.

[0118] In step S651, the control unit 203 of the server 20 acquires the user's account information. Specifically, the account information acquisition module 2035 constituting the control unit 203 of the server 20 acquires information necessary for credit screening from information related to the user's bank account registered in the storage unit 202. For example, the account information acquisition module 2035 acquires the following information as the user's account information: - User deposit and withdrawal history for a given period - Changes in the user's account balance over a given period · Source and destination of user deposits and withdrawals

[0119] In one aspect, the server 20 may obtain information related to the user's account from software, applications, programs, etc. that provide associated accounting services, etc., rather than the user's account information pre-stored in a storage unit.

[0120] In step S652, the control unit 203 of the server 20 performs a credit check for issuing a credit card based on the acquired account information. Specifically, the credit check execution module 2036 constituting the control unit 203 of the server 20 performs a credit check on the user based on a predetermined index, based on the user's account information received from the account information acquisition module 2035. The predetermined index is, for example, a standard balance in the user's account information, and the server 20 may calculate the standard balance based on a statistical value based on the balance transition in the user's account information immediately before the credit check is performed, and perform the credit check based on the calculated standard balance.

[0121] In a certain aspect, the server 20 may perform a credit check on a user by using the learning model 2025 stored in the storage unit 202. Specifically, the server 20 may perform a credit check on a user by using the learning model 2025 based on a machine learning model using a Gradient Boosting Decision Tree (GBDT).

[0122] This allows financial institutions, corporations, etc. that issue credit cards to properly conduct credit checks on users.

[0123] In step S653, the control unit 203 of the server 20 sets a credit card limit based on the result of the credit check. Specifically, the credit check execution module 2036 constituting the control unit 203 of the server 20 determines a predetermined credit category based on an index indicating the stability of the past cash balance in the user's account information, and multiplies the reference balance calculated by the credit check execution module 2036 by a ratio determined for each credit category to set the credit card limit. The server 20 may also set a user's credit limit by using a learning model 2025 based on a machine learning model using a gradient boosting decision tree (GBDT). In another aspect, the server 20 may set a reference value for the user's cash balance and deposits and withdrawals, and perform a calculation for setting the credit limit using multiple judgment models based on the reference value.

[0124] This allows financial institutions that issue credit cards to set appropriate credit limits for users. More specifically, the credit card issuance management system 1 of this embodiment evaluates the financial indicators, accounting billing information, business status, etc. of a company that does not have a sales record, evaluates the company itself, issues a credit card, and monitors the credit card usage status to examine and grant credit on an as-needed basis, thereby controlling the credit card usage limit.

[0125] In step S602, the control unit 180 of the terminal device 10 presents the results of the credit check, the set value of the credit limit, etc. to the user by displaying them on the display 150, for example.

[0126] In one aspect, the account information acquisition module 2035 may execute a process of acquiring the user's account information at a predetermined time interval after issuing a credit card. The following describes an example of a process of acquiring the user's account information at a predetermined time interval after issuing a credit card and executing a credit check. The predetermined time interval may be every time the user's account information changes, or may be any time interval designated by the user or the associated financial institution.

[0127] In step S654, the control unit 203 of the server 20 acquires account balance information at the financial institution from the user's account information.

[0128] In step S655, the control unit 203 of the server 20 reexamines the credit card usage and credit limit based on the acquired balance information.

[0129] In step S656, the control unit 203 of the server 20 resets the credit card limit based on the results of the credit reexamination.

[0130] In one aspect, the server 20 may execute a process to stop the user from using the credit card if the reference balance falls below a predetermined threshold as a result of re-performing a credit check.

[0131] In addition, in some cases, if the user's credit card usage amount has already exceeded the reset limit following a reset of the credit limit, a process may be executed to essentially suspend the user's credit card usage.

[0132] In step S603, the control unit 180 of the terminal device 10 presents the results of the credit check, the set value of the credit limit, etc. to the user by displaying them on the display 150, for example.

[0133] In one aspect, the terminal device 10 may include a credit card application means for providing information on the financial needs of the user's business. The control unit 180 of the terminal device 10 may accept the credit card application when the user operates the credit card application means.

[0134] At this time, the user's accounting information may be pre-registered in the memory unit 170, and the user's business capital needs may be determined based on the user's accounting information, and a means of applying for a credit card may be presented to the user.

[0135] In addition, in a certain aspect, the server 20 may include a usage control means for controlling the usage of a credit card. The control unit 203 of the server 20 may receive an application for credit card usage in response to the user's operation of the usage control means, and may notify the application that the credit card usage is permitted within the credit card's limit. For example, when a corporate credit card is used by a specific employee for a specific purpose (such as a business trip), the credit card may be permitted to be used only within that limit.

[0136] This allows financial institutions, corporations, etc. that issue credit cards to allow users to use their credit cards appropriately. Furthermore, by providing a usage control means, corporate users can control whether or not credit cards can be used, and real-time statement management (linking with accounting systems) becomes possible by receiving authorization messages.

[0137] Although the above description has been given in the form of exchanging various signals between the terminal device 10 and the server 20, the processing in the present disclosure is not limited to this. For example, all of the processing described above may be processed by the control unit 180 of the terminal device 10.

[0138] This allows users to consistently carry out credit checks and other procedures related to credit card issuance using their own terminals.

[0139] <4 Screen example> An example of a screen of the credit card issuance management system 1 will be described below with reference to FIG.

[0140] FIG. 7 is a diagram showing an example of a screen displayed when the result of a credit check in the credit card issuance management system 1 is presented to the user.

[0141] As shown in FIG. 7, a user balance transition section 701 and an examination result display section 702 are displayed on the display 150 of the terminal device 10. In user balance trend 701, the control unit 180 of the terminal device 10 displays the trend of the balance of the user's bank account in the credit card issuance management system. Specifically, the control unit 180 displays the balance of the user's bank account in a predetermined manner in user balance trend 701. The predetermined manner includes, for example, the following. -Graph (bar, line, etc.) format Table / List Format

[0142] This allows users to visually grasp the trends in their bank account balances.

[0143] The control unit 180 of the terminal device 10 displays the results of the user's credit examination and credit limit setting in the examination result display area 702. At this time, the control unit 180 may display the following information in the examination result display area 702: · Screening result (whether or not a credit card can be issued) - Credit card type (general, gold, platinum, etc.) Credit card limits Credit card application button - Buttons that allow the user to refer to other available services (apply for a loan, borrow money, etc.)

[0144] When the control unit 180 receives an operation of pressing a credit card application button from the user, the control unit 180 may transmit a procedure instruction for issuing a credit card to the financial institution.

[0145] This allows users to issue credit cards based on their own financial situation.

[0146] In one aspect, the server 20 may also display the screen to a user of the financial institution that issues the credit card, so that the user of the financial institution can issue an appropriate credit card based on the user's financial situation.

[0147] In addition, even if the user is a newly registered corporation with no sales history, the system can be used to evaluate the company itself by assessing financial indicators, accounting information, business status, etc., and a credit card can be issued based on this evaluation.

[0148] <Summary> As described above, according to this embodiment, the server 20 registers information on the user's bank account in advance in the memory unit 202. When the server 20 accepts a credit card application from the user, it acquires various information required for credit screening from the information on the bank account registered in the memory unit 202. The server 20 performs a credit screening of the user's financial situation from the acquired various information. The server 20 sets a credit card limit based on the results of the credit screening. The terminal device 10 presents the results of the credit screening, etc. to the user. After issuing the credit card, the server 20 acquires the user's account information again at predetermined intervals and performs the credit screening and setting of the limit again.

[0149] This allows the user to be properly issued a credit card and to use it.

[0150] In particular, according to the credit card issuance management system 1 of this embodiment, the server 20 performs credit screening based on the user's cash balance and deposit and withdrawal information, and also sets a credit limit, so that even if the company does not have a sales record, it evaluates the financial indicators, accounting billing information, business status, etc. of the company itself, issues a credit card, and monitors the credit card usage to conduct screening and credit on a case-by-case basis, thereby controlling the credit card usage limit.

[0151] Although the disclosed embodiments have been described above, they can be implemented in various other forms and can be implemented with various omissions, substitutions, and modifications. These embodiments and modifications, as well as omissions, substitutions, and modifications, are included in the technical scope of the claims and their equivalents.

[0152] <Additional Notes> The matters described in the above embodiments will be supplemented below.

[0153] (Appendix 1) A program (2021) executed by a computer having a processor (29) and a storage unit (202), in which user account information is pre-registered, and the program (2021) causes the processor (29) to execute the steps of: accepting an application for a credit card from a user (S601); acquiring the user's account information as a process for the credit card application (S651); acquiring the user's cash balance and deposit / withdrawal information from the acquired account information (S651); conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information (S652); and outputting the results of the credit check (S602). The program (2021) causes the processor (29) to execute a step (S653) of determining the credit card limit by performing calculations using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information in the step (S652) of conducting the credit check. (Appendix 2) A program (2021) executed by a computer having a processor (29) and a storage unit (202), in which user account information is pre-registered, the program (2021) causes the processor (29) to execute a step (S601) of accepting an application for a credit card from a user, a step (S651) of acquiring the user's account information as a process for the credit card application, a step (S651) of acquiring the user's cash balance and deposit / withdrawal information from the acquired account information, a step (S652) of conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information, and a step (S602) of outputting the results of the credit check conducted, and the program (2021) causes the processor (29) to execute a step (S653) of determining a credit card limit by performing a calculation using at least one of a plurality of judgment models according to a predetermined reference value for the cash balance based on the acquired cash balance and deposit / withdrawal information in the step (S652) of conducting a credit check. (Appendix 3) The program (2021) described in Appendix 1, in which in a step (S653) of determining the limit, the limit is determined using predetermined qualitative conditions. (Appendix 4) The program (2021) described in Appendix 1, in which, in a step (S653) of determining the limit, when performing calculations using a gradient boosting tree, the limit is determined by combining multiple machine learning models (2025). (Appendix 5) A program (2021) described in Appendix 1, in which in the step (S653) of determining the limit, when performing calculations using a gradient boosting tree, the limit is determined by combining three techniques: gradient descent (Gradient), ensemble learning (Boosting), and decision tree (Decision Tree). (Appendix 6) The program (2021) described in Appendix 2, in which in the step (S653) of determining the limit, the limit is determined using LightGBM (Light Gradient Boosting Machine) as a judgment model. (Appendix 7) The program (2021) described in Appendix 2, in which in the step (S653) of determining the limit, the limit is determined using logarithmic loss as an evaluation function of the judgment model. (Appendix 8) The program (2021), which is described in Appendix 1 or 2, further causes the processor (29) to execute, as a process for each specified period after issuing a credit card, a step (S654) of acquiring information on the user's cash balance, and a step (S656) of resetting the credit card limit from the acquired cash balance information. (Appendix 9) The information processing device (20) includes a control unit (203) and a storage unit (202), in which account information of a user is registered in advance, and the control unit (203) executes the following steps: a step (S601) of accepting an application for a credit card from a user; a step (S651) of acquiring the user's account information as a process for the credit card application; a step (S651) of acquiring the user's cash balance and deposit / withdrawal information from the acquired account information; a step (S652) of conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information; and a step (S602) of outputting the result of the credit check; and in the step (S652) of conducting the credit check, the information processing device (20) executes a step (S653) of determining the credit card limit by performing calculations using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information. (Appendix 10) The information processing device (20) includes a control unit (203) and a memory unit (202), in which user account information is registered in advance, and the control unit (203) executes the following steps: a step (S601) of accepting an application for a credit card from a user; a step (S651) of acquiring the user's account information as a process for the credit card application; a step (S651) of acquiring the user's cash balance and deposit / withdrawal information from the acquired account information; a step (S652) of conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information; and a step (S602) of outputting the results of the credit check conducted; and, in the step (S652) of conducting a credit check, the information processing device (20) executes a step (S653) of determining a credit card limit by performing a calculation using at least one judgment model out of a plurality of judgment models according to a predetermined reference value for the cash balance based on the acquired cash balance and deposit / withdrawal information. (Appendix 11) A method executed by a computer (20) having a processor (29) and a storage unit (202), in which account information of a user is registered in advance, the method comprising the steps of: causing the processor (29) to execute a step (S601) of accepting an application for a credit card from a user; a step (S651) of acquiring the user's account information as a process for the credit card application; a step (S651) of acquiring the user's cash balance and deposit / withdrawal information from the acquired account information; a step (S652) of conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information; and a step (S602) of outputting a result of the conducted credit check; and a step (S653) of determining a credit card limit by performing calculations using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information in the step (S652) of conducting the credit check. (Appendix 12) A method executed by a computer (20) having a processor (29) and a storage unit (202), in which user account information is registered in advance, the method causes the processor (29) to execute the following steps: accepting an application for a credit card from a user (S601); acquiring the user's account information as a process for the credit card application (S651); acquiring the user's cash balance and deposit / withdrawal information from the acquired account information (S651); conducting a credit check for issuance of a credit card from the acquired cash balance and deposit / withdrawal information (S652); and outputting the results of the credit check (S602); and executing a step (S653) of determining a credit card limit by performing a calculation using at least one judgment model out of a plurality of judgment models based on the acquired cash balance and deposit / withdrawal information (S652). [Explanation of symbols]

[0154] 10 terminal device, 20 server, 80 network, 130 operation reception unit, 170 memory unit, 1701 user information, 180 control unit, 1801 input operation reception unit, 1802 transmission / reception unit, 1803 data processing unit, 1804 notification control unit, 22 communication IF, 23 input / output IF, 25 memory, 26 storage, 29 processor, 201 communication unit, 202 memory unit, 2021 application program, 2022 user information database, 2023 account information database, 2024 teacher data, 2025 learning model, 203 control unit, 2031 reception control module, 2032 transmission control module, 2033 user information acquisition module, 2034 credit card application acceptance module, 2035 account information acquisition module, 2036 credit examination execution module, 2037 limit setting module, 2038 learning model generation module.

Claims

1. A program executed by a computer having a processor and a storage unit, The storage unit has user account information registered in advance, The program causes the processor to: accepting an application for a credit card from the user; As a process for the application for the credit card, obtaining account information of the user; acquiring information on the user's cash balance and deposits and withdrawals from the acquired account information; conducting a credit check for issuance of the credit card based on the acquired cash balance and deposit / withdrawal information; and outputting the result of the credit check. In the step of conducting the credit examination, a step of determining the credit card limit by performing a calculation using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information. A program to execute.

2. A program executed by a computer having a processor and a storage unit, The storage unit has user account information registered in advance, The program causes the processor to: accepting an application for a credit card from the user; As a process for the application for the credit card, obtaining account information of the user; acquiring information on the user's cash balance and deposits and withdrawals from the acquired account information; conducting a credit check for issuance of the credit card based on the acquired cash balance and deposit / withdrawal information; and outputting the result of the credit check. In the step of conducting the credit examination, a calculation is performed using at least one of a plurality of judgment models according to a predetermined reference value of the cash balance based on the acquired information on the cash balance and deposits and withdrawals, thereby determining the credit card limit. A program to execute.

3. 2. The program according to claim 1, wherein in the step of determining the limit amount, the limit amount is determined using a qualitative condition set in advance.

4. The program according to claim 1 , wherein in the step of determining the limit, when performing a calculation using a gradient boosting tree, the limit is determined by combining a plurality of machine learning models.

5. 2. The program according to claim 1, wherein in the step of determining the limit, when performing calculations using a gradient boosting tree, the limit is determined by combining three techniques: gradient descent (Gradient), ensemble learning (Boosting), and decision tree (Decision Tree).

6. 3. The program according to claim 2, wherein in the step of determining the limit, the limit is determined using a LightGBM (Light Gradient Boosting Machine) as the judgment model.

7. 3. The program according to claim 2, wherein in the step of determining the limit, the limit is determined using a logarithmic loss as an evaluation function of the judgment model.

8. The program further causes the processor to After issuing the credit card, the following process is carried out at each predetermined period: obtaining information on the user's cash balance; resetting the credit card limit based on the acquired information on the cash balance; The program according to claim 1 or 2, which causes the program to execute the following:

9. An information processing device including a control unit and a storage unit, The storage unit has user account information registered in advance, The control unit: accepting an application for a credit card from the user; As a process for the application for the credit card, obtaining account information of the user; acquiring information on the user's cash balance and deposits and withdrawals from the acquired account information; conducting a credit check for issuance of the credit card based on the acquired cash balance and deposit / withdrawal information; and outputting the result of the credit check. In the step of conducting the credit examination, a step of determining the credit card limit by performing a calculation using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information. An information processing device that executes the above.

10. An information processing device including a control unit and a storage unit, The storage unit has user account information registered in advance, The control unit: accepting an application for a credit card from the user; As a process for the application for the credit card, obtaining account information of the user; acquiring information on the user's cash balance and deposits and withdrawals from the acquired account information; conducting a credit check for issuance of the credit card based on the acquired cash balance and deposit / withdrawal information; and outputting the result of the credit check. In the step of conducting the credit examination, a calculation is performed using at least one of a plurality of judgment models according to a predetermined reference value of the cash balance based on the acquired information on the cash balance and deposits and withdrawals, thereby determining the credit card limit. An information processing device that executes the above.

11. A method implemented by a computer having a processor and a memory, comprising: The storage unit has user account information registered in advance, The method further comprises the processor: accepting an application for a credit card from the user; As a process for the application for the credit card, obtaining account information of the user; acquiring information on the user's cash balance and deposits and withdrawals from the acquired account information; conducting a credit check for issuance of the credit card based on the acquired cash balance and deposit / withdrawal information; and outputting the result of the credit check. In the step of conducting the credit examination, a step of determining the credit card limit by performing a calculation using a Gradient Boosting Decision Tree based on the acquired cash balance and deposit / withdrawal information. A method for performing.

12. A method implemented by a computer having a processor and a memory, comprising: The storage unit has user account information registered in advance, The method further comprises the processor: accepting an application for a credit card from the user; As a process for the application for the credit card, obtaining account information of the user; acquiring information on the user's cash balance and deposits and withdrawals from the acquired account information; conducting a credit check for issuance of the credit card based on the acquired cash balance and deposit / withdrawal information; and outputting the result of the credit check. In the step of conducting the credit examination, a calculation is performed using at least one of a plurality of judgment models according to a predetermined reference value of the cash balance based on the acquired information on the cash balance and deposits and withdrawals, thereby determining the credit card limit. A method for performing.

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