Information processing method, program, and information processor

Abstract

To provide an information processing method which allows an appropriate condition for a loan for a user to be presented when a loan is offered to the user.SOLUTION: An information processing method to be executed by an information processor includes the steps of: receiving a request from a user about a loan; determining a condition for the loan offered to a user, on the basis of an examination based on at least one of user attribute information of the user and user behavior information of the user; notifying the user of the determined condition for the loan; and extending a loan to the user according to the condition for the loan when a notification indicating that the user has accepted the condition for the loan is received.SELECTED DRAWING: Figure 5

Description

[Technical Field]

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

[0002] In recent years, electronic commerce using the Internet has become popular. In this type of commerce, users can easily get what they want and sell unwanted items through auctions. For example, in Patent Document 1, a user The auction system is disclosed in which a person can put up or bid on any item. .

[0003] In addition, there are currently various services available that allow you to borrow money, such as cash advances and bank loans. By using these services, users can It is possible to raise the necessary funds.

[0004] In recent years, services that lend money to individuals have become known. No. 3 discloses an unmanned contract device that conducts contract transactions with multiple consumer finance companies. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-005291 [Patent Document 2] Japanese Patent Application Laid-Open No. 2002-015139 [Patent Document 3] Japanese Patent Application Laid-Open No. 2008-083822 Summary of the Invention [Problem to be solved by the invention]

[0006] In an environment where various products are traded online, users are increasingly looking for products they have long wanted. Sometimes you accidentally discover that the product you were looking for is on sale. If a user does not have enough money, they can borrow the remaining amount to get what they want. It is expected that there will be demands for the same to be made before payday, for example. This can happen in a variety of situations, such as when you have little money.

[0007] However, when lending money to a user, it is important to consider whether the user will comply with the repayment deadline. There is a demand to change the loan conditions, such as the upper limit of the loan amount, depending on the situation. When actually lending money, appropriate lending conditions are presented to the user and consent is obtained. It is necessary to keep this in mind.

[0008] The present disclosure makes it possible to present appropriate loan conditions to users when lending money. The present invention aims to provide an information processing method that makes it possible to

[0009] In addition, in an environment where various products are traded online, users can easily purchase products they have long desired. Sometimes you accidentally discover that a product you thought you wanted is actually on sale. If the user does not have enough money, they can ask for the money they need to borrow. It is expected that there will be demands to get the money. This can occur in a variety of situations, such as when you have little money on hand.

[0010] However, if a user is lent money, the user may not repay the loan by the due date. It is not guaranteed that the information will be provided, and delays may occur.

[0011] The present disclosure provides an information processing method that can appropriately recover money lent to a user. The purpose is to

[0012] In addition, when a user needs money, it is not necessarily limited to when the user needs money alone. For example, if multiple users get together and plan a trip or a drinking party, but they don't have enough money before payday, There may be cases where a group wants to borrow money, such as when they are short of money. However, currently, some of the services offered include lending money to groups. There seems to be no service that can do this.

[0013] The present disclosure aims to provide an information processing method that can realize money lending on a group basis. The purpose is to

[0014] In addition, when using the money lending service, the user is required to borrow money within the scope of their repayment ability. When borrowing money, the repayment ability is checked. If you can also purchase goods within the scope, you can simply receive a loan of money. It is considered to be more convenient than

[0015] The present disclosure makes it possible to further improve user convenience when receiving a loan of money. The object is to provide an information processing method. [Means for solving the problem]

[0016] An information processing method according to an embodiment of the present disclosure is an information processing method performed by an information processing device. a step of receiving a request for a loan from a user; and a step of receiving user attribute information of the user. By conducting a review based on at least one of the user's user behavior information and the user's a step of determining loan conditions when lending money to a user, and a step of notifying the user of the determined loan conditions. and when the user is notified that he / she has accepted the loan terms, and providing the loan to the user in accordance with the loan terms.

[0017] An information processing method according to an embodiment of the present disclosure is an information processing method performed by an information processing device. , which stores the loan conditions including the loan amount, interest rate, and repayment deadline when lending money to a user. A step of storing loan management information and storing the information associated with the user's account after the repayment deadline. Repayments based on the loan amount and interest rate will be made from at least one of the multiple balances. and making a repayment by subtracting the amount paid.

[0018] An information processing method according to an embodiment of the present disclosure is an information processing method performed by an information processing device. accepting a request for a loan of money from a group including a plurality of users; Lending money to one of multiple users or to each of multiple users and when the review is completed, one or more users a step of lending money to each of the plurality of users; and accepting repayment of the loaned money from at least one of the users.

[0019] An information processing method according to an embodiment of the present disclosure is an information processing method performed by an information processing device. , a request from a user for a loan of money including a first loan amount that the user wishes to loan; and receiving a loan amount for the user based on the first loan amount and the user attribute information of the user. and a step of calculating an upper limit of the amount that can be loaned, and a step of presenting to the user products that can be purchased through the service; and a step of receiving from the user an instruction that the user wishes to purchase the products. When the customer receives the instruction, the second loan amount, which is the sum of the first loan amount and the price of the product, will be paid to the customer. and a step of lending. [Brief explanation of the drawings]

[0020] [Figure 1] FIG. 1 is a diagram illustrating a configuration of a communication system according to an embodiment. [Figure 2] FIG. 1 is a diagram illustrating an example of a hardware configuration of an information processing device according to the present disclosure. [Figure 3] FIG. 2 is a block diagram showing an example of a functional configuration of the information processing device according to the first embodiment. [Figure 4A] FIG. 2 is a diagram illustrating an example of a user management DB according to the first embodiment. [Figure 4B] FIG. 2 is a diagram illustrating an example of a user behavior DB according to the first embodiment. [Figure 4C] FIG. 2 is a diagram showing an example of a loan management DB according to the first embodiment. [Figure 5] FIG. 2 is a diagram showing an example of a processing sequence of the communication system according to the first embodiment. [Figure 6] FIG. 10 is a diagram showing an example of user attribute information required for review. [Figure 7] FIG. 10 is a diagram showing an example of a screen for displaying loan conditions and accepting consent. [Figure 8] FIG. 10 is a diagram showing an example of a screen that accepts the selection of loan conditions from the user. [Figure 9] FIG. 10 is a diagram illustrating an example of a screen displaying terms of use. [Figure 10] FIG. 10 is a diagram illustrating an example of multiple balances associated with a user's account. [Figure 11] 10 is a flowchart illustrating an example of a processing procedure performed by a server according to the second embodiment. [Figure 12] FIG. 11 is a diagram showing an example of a loan management DB according to the third embodiment. [Figure 13] 11 is a flowchart showing an example of a processing procedure (first lending pattern) performed by the communication system according to the third embodiment. [Figure 14] 11 is a flowchart showing an example of a processing procedure (second lending pattern) performed by the communication system according to the third embodiment. [Figure 15] FIG. 10 is a block diagram showing an example of a functional configuration of an information processing device according to a fourth embodiment. [Figure 16] FIG. 10 is a diagram for explaining the amount that can be further loaned to a user. DETAILED DESCRIPTION OF THE INVENTION

[0021] <Legal compliance> The disclosures described in this specification, when implemented, must comply with the laws and regulations of the countries in which the disclosures are implemented. The disclosure herein is subject to the laws and regulations of each country. This includes all changes, substitutions, variations, alterations, and modifications that the vendor may make.

[0022] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A communication system according to an embodiment of the present disclosure will be described with reference to the accompanying drawings.

[0023] <System configuration> FIG. 1 shows a configuration of a communication system 1 according to an embodiment of the present disclosure. In the communication system 1, the servers 110A and 110B are connected via the network 130. B, terminal 120A, terminal 120B, terminal 120C, credit institution system 140, and bank system The stem 150 is connected.

[0024] In this disclosure, there is no need to distinguish between server 110A and server 110B. In this case, the server 110A and the server 110B may be expressed as the server 110. stomach.

[0025] In this disclosure, the terminal 120A, the terminal 120B, and the terminal 120C are distinguished from each other. If there is no need to use the terminal 120A, the terminal 120B, and the terminal 120C, It may also be expressed as 20.

[0026] In the present disclosure, when there is no need to distinguish between the server 110 and the terminal 120, The server 110 and the terminal 120 may each be expressed as an information processing device 200. The number of information processing devices 200 connected to the network 130 is not limited.

[0027] The server 110 transmits a predetermined The predetermined services include, but are not limited to, payment services, financial services, etc. Social Networking Services (SNS), such as services, e-commerce services, and instant messengers Networking Service), and content provision services such as music, videos, and books. When a user uses a predetermined service via a terminal 120, the server 110 receives one or more terminals. The credit bureau system 140 can provide predetermined services to the credit bureau system 120. Personal credit information based on transaction facts such as credit and loan contract details, repayment, payment status, etc. Companies that manage information that objectively shows whether borrowed money will be repaid by the agreed deadline It is a system operated by the user in response to inquiries from companies that provide financial services. The server 110 is notified of the credit information.

[0028] For the purposes of this disclosure, a payment service is a service that allows one or more users to give or receive money or monetary equivalents. This includes, but is not limited to, services that use one-dimensional codes (such as barcodes), two-dimensional codes, etc. Code (QR Code (registered trademark), etc.) (The following is a summary of one-dimensional and two-dimensional codes.) (collectively referred to as "two-dimensional code, etc."), near field communication (NFC), cation), BLE (Bluetooth Low Energy), Wi-Fi (registered trademark), ultrasonic communication This includes services that use payment methods such as credit card payment, credit card payment, and infrared communication. The user (payer) terminal 120 reads a two-dimensional code or the like to make a payment. This is referred to as "user-readable code payment" or "MPM (Merchant Presented Mode)" and payment The terminal 120 of the user who is making the purchase displays a two-dimensional code or the like, and the displayed two-dimensional code or the like is The payment is made by reading the terminal 120 of the user (seller, biller) at the store that charges the fee. This is called "store-readable code payment" or "CPM (Consumer Presented Mode)." It should be noted that MPM and CPM may be dynamic or static. .

[0029] In this disclosure, financial services include services that provide loans of money to one or more users. Money includes, but is not limited to, the amount of money available for use in the Service, or other monetary equivalents. Financial services also include, by way of example and not limitation, the provision of goods and services. It is possible to delay the payment of the money in return for the service, effectively lending money to the user. This includes services equivalent to receiving

[0030] If necessary, the terminal used by user X is expressed as terminal 120X, and user X or terminal User information in a specific service associated with 120X is expressed as user information X. User information refers to the information corresponding to the account used by the user for a specific service. User information is, by way of example and not limitation, information entered by a user. The user's name, user icon, etc., provided by the designated service. Image, user's age, user's gender, user's address, user's hobbies and interests, user's identifier, etc. Information associated with each user, electronic value (electronic money) associated with each user balance information, credit card information associated with the user (credit card number, etc.) ) and may be any one of these or a combination thereof.

[0031] The network 130 serves to connect two or more information processing devices 200. The network 130 can transmit and receive data after the terminal 120 connects to the server 110. "Communication network" refers to a communication network that provides a connection path so that

[0032] One or more portions of network 130 may be wired or wireless. The network 130 may be, for example and without limitation, an ad hoc network. Ad Hoc Network, Intranet, Extranet, Virtual Private Network Network (Virtual Private Network: VPN), Local Area Network (Local Area Network: LAN), Wireless LAN (Wireless LAN: WLAN), Wide Area Network (Wide Area Network: WAN), Wireless WAN (Wireless WAN: WW AN), Metropolitan Area Network (MAN), Internet Part of the Public Switched Telephone Network (PSTN), Mobile phone networks, ISDNs (Integrated Service Digital Networks), wireless LANs, TE (Long Term Evolution), CDMA (Code Division Multiple Access), Brute Force Bluetooth (registered trademark), satellite communication, etc., or a combination of two or more of these. The network 130 may include one or more networks 130. It can be done.

[0033] The information processing device 200 is an information processing device capable of implementing the functions and methods described in this disclosure. Any information processing device may be used.

[0034] The information processing device 200 may be, for example, a smartphone, a mobile phone (five-digit mobile phone), computer (including but not limited to desktop, laptop, tablet, ret, etc.), server equipment, media computer platforms (for example, but not limited to , cable, satellite set-top boxes, digital video recorders, etc.), handheld Computing devices (including, but not limited to, personal digital assistants (PDAs) email clients), wearable devices (for example, but not limited to, eyeglass-type devices) other types of computers or communication platforms Including home.

[0035] <Hardware configuration> Referring to FIG. 2, the hardware configuration of the information processing device 200 included in the communication system 1 will be described. and explain.

[0036] The information processing device 200 includes a processor 201, a memory 202, a storage 203, and Input / output interface (input / output I / F) 204 and communication interface (communication I / F) 2 05. Each hardware component of the information processing device 200 is, for example and without limitation, , are connected to each other via bus B.

[0037] The information processing device 200 includes a processor 201, a memory 202, a storage 203, and The input / output I / F 204 and the communication I / F 205 cooperate to realize the functions described in this disclosure. and / or realizing a method.

[0038] The processor 201 executes code or The processor 201 may be, for example and without limitation, a The CPU, MPU (Micro Processing Unit), and GPU (Graphics Processing Unit) are s Processing Unit), microprocessor, processor core core), multiprocessor, ASIC (Application-Specific Integrated circuits include FPGAs (Field Programmable Gate Arrays), etc. Circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)) Each process disclosed in each embodiment is performed by a logic circuit (hardware) or a dedicated circuit. These circuits may also be implemented using one or more integrated circuits. Alternatively, multiple processes shown in each embodiment may be realized by a single integrated circuit. Also, LSIs are classified into VLSI, super LSI, ultra LSI, etc. depending on the degree of integration. It is sometimes called.

[0039] The memory 202 temporarily stores the program loaded from the storage 203. The memory 202 provides a working area for the processor 201. The memory 202 also temporarily stores various data generated during the execution of the program. Examples, but not limited to, include RAM (Random Access Memory) and ROM (Read Only Memory). Including etc.

[0040] The storage 203 stores programs. The storage 203 includes, but is not limited to, HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, etc. Includes:

[0041] The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed either by wire or wirelessly, as long as the communication can be performed. The communication I / F 205 may use a communication protocol such as the following. The communication I / F 205 has a function of communicating with other information processing devices. The data is transmitted to another information processing device in accordance with an instruction from the processor 201. The I / F 205 receives various data transmitted from other information processing devices and transmits the data to the processor 20. Transmit to 1.

[0042] The input / output I / F 204 is an input device for inputting various operations to the information processing device 200. and an output device that outputs the processing results processed by the information processing device 200. The F204 may be an integrated input device and output device, or may be separated into an input device and an output device. They may be separated.

[0043] The input device receives an input from a user and transmits information related to the input to the processor 201. This can be achieved by any one or combination of all types of devices capable of transmitting Examples of the input device include, but are not limited to, a touch panel, a touch display, a keyboard, etc. Hardware keys, pointing devices such as a mouse, and cameras (image input) Includes a microphone (for voice input).

[0044] The output device may be any type of device that can output the processing results of the processor 201. The processing results are realized by one of the above devices or a combination of them. When outputting as a video or a still image, the output device converts the display data written to the frame buffer. Any of all types of devices capable of displaying the display data according to the data The output device is realized by a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a Touch displays, monitors (including but not limited to LCDs, OELDs, c Electroluminescence Display), head-mounted display (HDM) Mounted Display), projection mapping, holograms, in air (vacuum, etc.) A device capable of displaying images and text information on a display (which may be a display), a speaker (audio output), a printer These output devices may also be capable of displaying display data in 3D. stomach.

[0045] The program of each embodiment of the present disclosure is stored in a computer-readable storage medium. The storage medium may be provided in a non-transitory tangible medium. The program may be, by way of example and not limitation, a software program or computer program. Includes computer programs.

[0046] The storage medium may, where appropriate, comprise one or more semiconductor-based or other integrated circuits (ICs) ) (By way of example and not limitation, field programmable gate arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Hard Disk Drives (HDDs), Hibs Lid hard drive (HHD), optical disc, optical disc drive (ODD), optical Magnetic disks, magneto-optical drives, floppy diskettes, floppy disk drives Floppy disk drives (FDD), magnetic tape, solid state drives (SSD), RAM drives, secure drives digital card or drive, any other suitable storage medium, or any combination of two or more of these The storage medium may be volatile, non-volatile or Or it may be a combination of volatile and non-volatile.

[0047] The program of the present disclosure can be transmitted over any transmission medium (communication network) capable of transmitting the program. The information may be provided to the information processing device 200 via a network, a broadcast wave, or the like.

[0048] Furthermore, each embodiment of the present disclosure may be a carrier in which the program is embodied by electronic transmission. It can also be realized in the form of a data signal embedded in a wave.

[0049] The program of the present disclosure may be, but is not limited to, JavaScript (registered trademark), Python, or the like. Scripting languages such as C, Go, Swift, Kotlin, and Java (registered trademark) are used. It is implemented as follows.

[0050] At least a part of the processing in the information processing device 200 is performed by one or more computers. This may be realized by cloud computing.

[0051] At least a part of the processing in the information processing device 200 is performed by another information processing device. In this case, some of the processing of each functional unit implemented by the processor 201 may be performed. At least a part of the processing may be performed by another information processing device.

[0052] <Other> Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not essential, and the judgment conditions If the condition is met, a predetermined process is executed, or if the judgment condition is not met, a predetermined process is executed. It may also be done.

[0053] In this disclosure, unless expressly stated or indicated by context, "A and B" refers to "A, B, or both" means "A, B, or both." Unless otherwise indicated or by context, "a," "an," or "the" shall mean "one" Therefore, in this specification, unless otherwise specified, Unless otherwise indicated or by context, "an A" or "the A" means "one Or "A's".

[0054] The present disclosure includes all modifications and substitutions that a person skilled in the art can make to the embodiments and examples of the present disclosure. The appended claims also encompass any permutation, variation, modification, or alteration of the present disclosure. Any changes, substitutions, variations, modifications, or alterations that a person skilled in the art can make to the embodiments and examples. Furthermore, the present disclosure is not intended to be a substitute for the embodiments or implementations of the present disclosure that may be made by a person skilled in the art. One or more features of the embodiment may be combined with one or more features of other embodiments or examples in this disclosure. Any combination of the above is included.

[0055] Additionally, being adapted, arranged, capable of, or configured to perform a particular function. a device or system that is capable of being, being used, being operable, or being operable; Any reference in the appended claims to an element of an apparatus or system shall be construed as a continuation of that apparatus, system, or component. A system or component adapted, arranged, capable of, or configured in such a way the device, system, or system that is capable of being operated, enabled, enabled, or operable. , a component or a specific feature thereof is activated, turned on, or unlocked This includes any device, system or component thereof, whether or not it is implemented.

[0056] This disclosure does not, unless expressly stated, preclude the use of any particular embodiment or example. Consent from the user may be obtained before or immediately before the implementation. , it may be comprehensive or acquired on an ad hoc basis.

[0057] First Embodiment In the first embodiment, when a request for a loan of money is received from a user, and performing credit screening based on at least one of the user attribute information and the user behavior information of the user. By doing so, the conditions for lending money to the user (hereinafter referred to as "loan conditions") are determined. In this embodiment, the loan conditions are determined and presented to the user. In this embodiment, if the user accepts the loan, the loan is made in accordance with the determined loan conditions.

[0058] User attribute information includes, but is not limited to, the user's name, gender, age, occupation, and years of service. Number of family members living together, annual family income, amount of loans from other companies, credit information available from the credit agency system 140 The user attribute information may be included in the user information.

[0059] User behavior information includes, but is not limited to, e-commerce transaction history, payment service usage history, etc. history of user location information (location information of the terminal 120), access logs of websites, The user behavior information may be included in the user information.

[0060] Loan conditions include, by way of example and not limitation, the amount of money available for loan (hereinafter referred to as the "loanable amount"); ), the interest rate at which money is loaned (hereinafter referred to as "interest rate"), and the repayment period. It includes at least one of the following.

[0061] According to the first embodiment, user attribute information and Based on at least one of the user behavior information, the loan amount, interest rate, etc. appropriate for the user are determined. It will be possible to determine loan conditions such as repayment deadlines and notify users of the determined loan conditions. Furthermore, according to the first embodiment, money is loaned to a user who accepts the loan conditions. In addition, it is possible to provide users who wish to borrow money with user attribute information and The server determines the loan conditions by taking into account at least one of the user behavior information and the It is possible to accurately determine loan conditions, and to streamline the process of determining loan conditions and processing loans. In addition, the process can be completed smoothly from the time a user requests a loan to the time the loan is actually made. This allows for smoother processing, making it possible to provide smooth financial services.

[0062] <Functional configuration of the first embodiment> The functional configuration of the server 110 and the terminal 120 will be described with reference to FIG. 3. The information processing device 200 includes a processor 201, a memory 202, and a storage 203. This is realized by cooperation of the I / F 203, the input / output I / F 204, and the communication I / F 205.

[0063] (1) Server functional configuration The server 110 includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a memory. The input / output I / F 311 and the communication I / F 312 are respectively The control unit 313 corresponds to the input / output I / F 204 and the communication I / F 205. , an examination processing section 316, a notification section 317, a loan processing section 318, and a repayment processing section 319. The functions or processes of each functional unit are based on machine learning or AI to the extent feasible. It may be realized by I (Artificial Intelligence).

[0064] The storage unit 314 stores a program and a user management DB (Da taBase), a user behavior DB that stores user behavior information, and a loan database that stores loans to users. It also stores a loan management DB that stores conditions.

[0065] FIG. 4A is a diagram showing an example of a user management DB according to the first embodiment. "User ID" The "login information" includes an identifier that uniquely identifies the user. The server 110 needs to verify that the user accessing the The "bank account information" includes information about the login password, etc. At least one of the following services will be provided: financial services, payment services, and e-commerce services Information about the withdrawal account that must be registered when the user uses the service (account number, account type, branch This includes names of individuals, account holders, etc.

[0066] FIG. 4B is a diagram showing an example of the user behavior DB according to the first embodiment. "User ID" "Electronic commerce usage history" includes a limited number of identifiers that uniquely identify a user. For example, the type of product, product name, and purchased product that the user has traded using e-commerce services. The price of the product, the amount of the sale when the product was sold, the date and time when the transaction was concluded, and the transactions during the specified period The total number of purchases, the average purchase amount per purchase in a specified period, or the total purchase amount, Average amount of sales per transaction or total amount of sales during the period, late payment of purchase price "Payment service usage history" includes the number of times a payment has been delayed and the number of times a payment has been delayed. The date and time of use of the service, the payment amount when using the payment service, and the the average or total of all payments, whether there were any delays in withdrawing payments, and the number of delays The "location information history" includes the number of location information received from the terminal 120 used by the user. The information is included in association with a timestamp.

[0067] FIG. 4C is a diagram showing an example of the loan management DB according to the first embodiment. "Loan amount" contains an identifier that uniquely identifies the user. "Loan Date" contains the date on which the loan was made to the user. "Interest Rate (annual "Payment due date" includes the interest rate that will be applied to the money lent to the user. The date by which the user must repay the money will be included.

[0068] The reception unit 315 receives a request for a loan from a user (from the terminal 120). It has the function of

[0069] The screening processing unit 316 performs screening based on at least one of user attribute information and user behavior information. By conducting an examination, the system has the function of determining the loan conditions when lending money to a user. The examination processing unit 316 may also be referred to as a decision unit.

[0070] The notification unit 317 notifies the user (terminal 120) of the loan conditions determined by the screening processing unit 316. It has the function of knowing.

[0071] The loan processing unit 318 sends a notification from the terminal 120 indicating that the user has accepted the loan terms. When the user receives the loan, the function of lending money to the user (terminal 120) in accordance with the loan conditions is provided. In addition, the loan conditions when a loan is made to a user are stored in the loan management DB.

[0072] The repayment processing unit 319 has a function of accepting repayment of money lent to the user.

[0073] (2) Functional configuration of the terminal The terminal 120 includes an input / output I / F 321, a communication I / F 322, a control unit 323, and a storage unit The input / output I / F 321 and the communication I / F 322 are respectively the input / output I / Fs shown in FIG. The control unit 323 corresponds to the output I / F 204 and the communication I / F 205. , a receiving unit 326, a UI (User Interface) unit 327, and a location information measuring unit 328. The storage unit 324 stores a program. The functions or processes of each functional unit can be realized by To the extent possible, machine learning or artificial intelligence (AI) ce).

[0074] The transmission unit 325 receives an instruction from the user via the UI unit 327 to request a loan of money. When the user has made a request, the server 110 that manages the loan of money sends a request for borrowing money. The transmitting unit 325 may also be called a requesting unit. When an instruction to accept the loan conditions is received from the user via the UI unit 327, the user In order to have the server 110 execute a loan of money according to the loan conditions for the user, The function is to notify the server 110 of the acceptance of the request. It may also be called the knowledge section.

[0075] The receiving unit 326 receives at least the user attribute information and the user behavior information from the server 110. The loan terms for lending money to users are determined by screening based on one of the following: The receiving unit 326 may also be referred to as a receiving unit.

[0076] The UI unit 327 displays various screens related to financial services provided by the server 110 on the terminal 1. It also has the function of displaying various information related to the financial services, etc. The UI unit has a function to receive input from the user. The system has the function of accepting instructions from the borrower regarding whether they wish to make a loan and whether they accept the loan conditions.

[0077] The location information measurement unit 328 measures the location information of the current location of the terminal 120 and sends it to the server 110. The server 110 that receives the location information notifies the user of the location information. The location information is stored in the "location information history" of the management DB. Using GPS (Global Positioning System), The latitude and longitude of the terminal 120 are measured as location information of the current location of the terminal 120. The measurement of the location information of the terminal 120 by the location information measurement unit 328 is performed by measuring the location information of the terminal 120. Any method may be used as long as it is possible. IMES (Indoor Messaging System), Wi-Fi, RF ID (Radio Frequency Identifier), NFC (Near Field Communication), BLE (Bluetooth Low E short-range wireless communication such as energy, ultrasound, and mobile communication systems such as LTE and CDMA. Alternatively, the location information of the terminal 120 may be measured using a system or the like.

[0078] <Operation Processing of First Embodiment> The processing of the communication system 1 according to the embodiment will be described with reference to FIG. 5. 2 shows an example of a processing sequence of the communication system 1 according to the embodiment.

[0079] In step S100, the UI unit 327 of the terminal 120 receives a request from a user who wishes to borrow money. The UI unit 327 also receives input of the desired loan amount. An example of user attribute information required for the first screening is shown in Figure 6. In the first screening, the user may be prompted to enter their annual income and the amount of loans from other companies. .

[0080] In step S101, the transmitting unit 325 of the terminal 120 transmits the following as a request for a loan of money: The desired loan amount, the input user attribute information, and the user ID of the user operating the terminal 120 are input. The user ID is transmitted to the server 110. The user ID may be, for example and not limited to, a The user ID is input when logging in to the screen for performing the operation. It is used to identify which user each request received from 0 is from. The receiving unit 315 of the server 110 receives a request for a loan of money, such as a desired loan amount, User attribute information and user ID are accepted.

[0081] In step S102, the credit processing unit 316 of the server 110 receives the loan amount and the user attributes. In the initial screening, for example, the total amount of the goods stipulated by law is used. Those who wish to borrow more than the regulation (which states that they cannot borrow more than one-third of their annual income) We will conduct an examination to see if there are any problems.

[0082] In step S103, the notification unit 317 of the server 110 notifies the terminal 120 of the result of the first screening. The UI unit 327 of the terminal 120 displays the results of the first screening on the screen and notifies the user that the first screening has been passed. If the verification is successful, a screen will be displayed to accept the input of user attribute information required for the actual review. If the inspection is not passed, a message to that effect is displayed on the screen and the process is terminated.

[0083] In step S104, the UI unit 327 receives input of user attribute information required for the main examination. An example of user attribute information required for this review is shown in Figure 6. For example, in this review, age, Gender, occupation, years of employment, family members living together (married or not, number of children, number of dependents, etc.), cohabitation The user may be prompted to input the annual income of the family, etc. The information is obtained from the credit institution system 140 in the processing procedure of step S107 described later. The user attribute information is the credit information that is obtained from the user. There is no need to accept input from the user at the timing of 04. For example, if the user has already If the user has already registered user attribute information in the e-commerce service they use, That is, if the server 110 can acquire the user attribute information, For example, the user attribute information is stored in the server 110 by the user ID transmitted in step S101. It can be identified.

[0084] In step S105, the transmission unit 325 of the terminal 120 transmits the input user attribute information and the user The server 110 receives the input user ID and sends it to the server 110. User attribute information and user ID are accepted.

[0085] In steps S106 and S107, the screening processing unit 316 of the server 110 The user attribute information used in the next screening, the user attribute information received in step S105, and all user attribute information including credit information obtained from the credit agency system 140, This review will be conducted based on user behavior information obtained from the user behavior database.

[0086] In step S108, the credit processing unit 316 further determines the loan conditions according to a predetermined algorithm. The loan conditions determined by the server 110 include the loanable amount, the amount of money to be loaned, and the amount of money to be loaned. The interest rate and repayment period are included.

[0087] In step S109, the credit processing unit 316 transmits the credit result and the loan conditions to the terminal 120. Notify.

[0088] In step S110, if the main examination is passed, the UI unit 327 of the terminal 120 confirms the loan conditions. If the application does not pass the screening, a message to that effect will be displayed on the screen and the process will end. The UI unit 327 also allows the user to select whether or not to accept the loan under the displayed loan conditions. Applications are accepted from users.

[0089] An example of a screen displaying loan conditions is shown in A of FIG. 7. For example, the screen in A of FIG. The available amount is 10,000 yen, the repayment deadline is one month later, and the interest that will be added at the time of repayment is The fee (charge) is displayed as 164 yen. When button B1 is pressed, the screen shown in Figure 7 appears. When the confirmation screen shown in B is displayed and button B2 is pressed, the process proceeds to step S111. move on.

[0090] In step S111, the transmitting unit 325 of the terminal 120 notifies the user that the loan conditions have been accepted. The server 110 then sends a notification to the server 110 indicating that the request has been received.

[0091] In step S112, the loan processing unit 318 of the server 110 determines whether the user has accepted the loan conditions. Upon receiving a notice indicating that the loan has been granted, the loan company will lend the user money in accordance with the loan terms and conditions. The loan conditions and the like are stored in the loan management DB. Specifically, the loan processing unit 318 Transfer the amount of money available for loan to the user's bank account registered in the database. In addition, the balance of the payment service used by the user is increased by an amount equivalent to the loanable amount. In addition, it is possible to withdraw money from a designated bank ATM. It should be noted that the selection screen shown in C of FIG. The user may be allowed to select how to receive the attached money.

[0092] <Loan condition determination process of the first embodiment> Next, the credit processing unit 316 determines the loan conditions in the processing procedure of step S108 in FIG. This section explains how to determine the

[0093] When determining the loan conditions in the processing procedure of step S108 in FIG. 5, the credit processing unit 316 Based on user attribute information and user behavior information, a predetermined algorithm is used to calculate the user's creditworthiness. The credit rating may be calculated and loan conditions may be determined based on the calculated credit rating.

[0094] For example, the credit processing unit 316 may process the credit information obtained from the credit agency system 140. Various data collected through the internet and user behavior information, such as transaction frequency, transaction amount, By substituting the presence or absence of payment delays for purchases and the number of delays into a predetermined algorithm, Calculates the user's creditworthiness (a numerical value that represents the degree of creditworthiness). The processing unit 316 determines the user's activity area from the user's location information history, and For example, if a user frequently visits a pachinko parlor, the user's credibility may be calculated based on the area of his / her visit. Users who are suspected of gambling addiction, such as frequent visitors, are given a low credit rating. Next, the credit processing unit 316 determines whether the credit rating is higher or lower. The loanable amount may be determined so that the loanable amount is higher. The interest rate may be determined so that the higher the credit rating, the lower the interest rate. The credit processing unit 316 determines the repayment period so that the higher the credit rating, the longer the repayment period. By determining the loan conditions using the user behavior information, the user attribute information This makes it possible to calculate the user's creditworthiness more appropriately than determining loan terms based solely on the do.

[0095] In addition, the credit processing unit 316 determines the loan conditions in the processing procedure of step S108 in FIG. When making a loan, multiple loan conditions are decided, each of which differs in at least one of the following: loan amount, interest rate, and repayment period. In this case, in the processing procedure of step S109, the notification unit 31 7 notifies the terminal 120 of the determined loan conditions. In the processing procedure, the UI unit 327 of the terminal 120 displays a plurality of loan conditions on the screen and allows the user to select In the processing procedure of step S111, the transmitting unit 325 of the terminal 120 receives the The selected loan conditions are sent to the server 110. The loan processing unit 318 of the server 110 The loan is made in accordance with one of several loan conditions specified by the customer. conduct.

[0096] A in Fig. 8 shows how to select loan conditions from the user when the loanable amount differs as a loan condition. An example of the screen for accepting the loan is shown in Figure 8. B of Figure 8 shows how to accept the loan when the repayment deadline is different as a loan condition. 10 shows an example of a screen that accepts selection of conditions from the user.

[0097] When determining the loan conditions in the processing procedure of step S108 in FIG. 5, the credit processing unit 316 The loan conditions including the upper limit of the loanable amount may be determined. In this case, step S1 In the processing procedure of 09, the notification unit 317 notifies the terminal 1 of the loan conditions including the upper limit of the loanable amount. 20. In addition, in the processing procedure of step S110, the UI unit 327 of the terminal 120 A screen is displayed to accept the user's specification of the desired loan amount up to the loanable amount, and the loan is The desired amount is selected by the user. In the processing procedure of step S111, the terminal 120 The request unit 325 transmits the requested loan amount received from the user to the server 110. The loan processing unit 318 of the number 0 receives a request for loan if the loan amount received from the user is less than the upper limit of the loanable amount. If the condition is as follows, the requested amount of money will be loaned in accordance with the loan conditions.

[0098] <<First Example>> If the user specifies the amount of loan they wish to receive, and if the result of this screening indicates that the loan amount is If the amount is within the range of 1 / 3 of the user's annual income minus the amount of loans from other companies, On the screen of 0, at least some of the user's attribute information (for example, the user's annual income and the amount of debt from other companies) ) and the maximum loan amount, and the user can operate the screen to set the loan amount from 0 yen. The user may specify any desired loan amount up to the maximum loan amount. 8 shows an example of a screen that accepts the user's request for loan amount. The slider will be set to accept a range of 1 / 3 of the user's annual income minus the amount of loans from other companies. According to the first embodiment, the user can request a loan while understanding the concept of the total amount limit. For example, if the user right-clicks on the adjustment object 810, the user can determine the amount of the adjustment. The size of the display area 820 associated with the loan amount in response to the operation of swiping a finger to the side In this case, the display area corresponding to the loan amount may be changed in response to the user's operation. The loan amount may be increased as the area of the area 820 increases. As the area of the display area 820 associated with the loan amount decreases in response to a user operation, The loan amount may also be reduced.

[0099] <<Second Example>> In step S110 of FIG. 5, the user selects to accept the loan under the loan conditions. Upon acceptance, the UI unit 327 further displays a screen showing the terms and conditions to which the interest rate has been applied. At the same time, the transmission unit 32 may receive confirmation of the terms of use. 5 transmits information indicating that the user has confirmed the terms of use to the server 110, and the server When the loan processing unit 318 of 110 receives information indicating that the user has confirmed the terms of use, An example of a screen displaying the terms of use is shown in FIG. 9. The interest rate may be stated in a location that can be accessed by scrolling through the terms of use. stomach.

[0100] According to the second example, the interest rate cannot be confirmed unless the terms of use are scrolled. This allows users to check the terms of use. Since interest rates can be displayed on the same screen, the number of screens can be reduced compared to when interest rates are displayed on separate screens. It becomes possible to reduce

[0101] <<Third Example>> The notification unit 317 of the server 110 receives the usage history of electronic commerce transactions in the user behavior DB, the payment service, and the like. The server 110 provides the information based on at least one of the history of usage of the service and the history of location information. A user who is likely to use the loan service provided is extracted, and the extracted user's terminal 12 0, a notification recommending the use of the loan service may be sent to the The UI unit 327 of the terminal 120 that has received the notification may, for example, recommend the use of a loan service. According to the third embodiment, the user can use the loan service. This will enable us to promote use.

[0102] Second Embodiment The second embodiment is a loan management database that stores loan terms including loan amounts, interest rates, and repayment deadlines. Check the balance of the account and, after the repayment deadline, At least one balance will be deducted from the balance the repayment amount calculated based on the loan amount and interest rate. In the second embodiment, the repayment is made by making a payment to the user's account. The multiple balances that can be linked include money transferred from a bank and money received from the other party in an electronic commerce transaction. The balance of the money obtained can be used to purchase new products through e-commerce. This assumes that the balance of points available for purchase is included.

[0103] According to the second embodiment, it becomes possible to appropriately recover money lent to a user. In addition, since the server 110 automatically performs collection, collection processing can be performed more accurately. In addition, more accurate collection processing will allow the service provider to The possibility of suffering losses due to bankruptcy will be reduced, and smooth financial operations will be facilitated through the creation of new services, etc. It becomes possible to provide services.

[0104] <Functional configuration of the second embodiment> (1) Server functional configuration The repayment processing unit 319 of the server 110 determines the repayment deadline for the loan amount lent to the user. Thereafter, at least one of the multiple balances associated with the user's account The repayment is processed by subtracting the repayment amount calculated based on the loan amount and interest rate from the remaining balance. It has the function of carrying out

[0105] In addition, the repayment processing unit 319 selects, from among the multiple balances associated with the user's account, The repayment amount may be subtracted from the balance with the highest priority. , which can be used to purchase new products, included in multiple balances associated with a user's account. The repayment may be made by subtracting the repayment amount from the remaining points available. The refund processing unit 319 checks the expiration date of the points associated with the user's account. Repayment may be made by deducting points from the points with the shortest time period first.

[0106] Of the functional configurations of the server 110, those not specifically mentioned may be the same as those in the first embodiment.

[0107] (2) Functional configuration of the terminal The functional configuration of the terminal 120 is the same as that of the first embodiment, and therefore a description thereof will be omitted.

[0108] <Operation Processing of Second Embodiment> First, let us use Figure 10 to show a concrete example of multiple balances associated with a user's account. In the second embodiment, the financial services and electronic commerce services provided by the server 110 will be described. It is assumed that users are managed using a common account across services.

[0109] The left side of Figure 10 shows how a user's bank account is registered in the user's account (the user's account This shows the state before the account is associated with the user's bank account. In the second embodiment, the state before the user's bank account is registered in the account is referred to as "before bank connection." The right side of Figure 10 shows the state after the user's bank account is registered in the user's account. The state after the user's bank account is registered in the user's account is shown in the second embodiment. In this case, this is called "after connecting to the bank." Note that once the user's bank account is registered in the user's account, When making a transaction, we will conduct identity verification (such as submitting an ID card) in accordance with the Act on Prevention of Transfer of Criminal Proceeds. Once identity verification is complete, the bank account specified by the user will be linked to the user's account. In addition, by registering the user's bank account in the user's account, It makes it easier to move money between bank accounts.

[0110] Before connecting to the bank, the user's account will contain the revenue earned from selling products. The balance of "sales proceeds" (first balance) is cash that cannot be used to purchase new products, Points can be earned by converting sales proceeds and can be used to purchase new products. The balance of "Point 1" (second balance) and points awarded free of charge as part of promotional measures, etc. The balance of "Point 2" (third balance) can be used to purchase new products. exist.

[0111] In this state, if the user's bank account is registered to the user's account, This is the state after bank connection, and "sales" will be called "balance." The balance of "Point 2" after connecting to the bank may be called the 5th balance. After connecting to the bank, the "balance" can be used to purchase goods through e-commerce services. However, the "balance" cannot be used directly to purchase new products. By making it possible to exchange all or part of the "Balance" for "Point 1", In other words, after connecting to the bank, you can use points 1 to purchase products and earn points. The balance of Point 1 may decrease, but the balance of Point 1 will not increase. When the balance reaches zero, the user's account will show "Balance" and " Only "Point 2" will exist.

[0112] FIG. 11 is a flowchart showing an example of a processing procedure performed by the server 110 according to the second embodiment. The flowchart in Figure 11 shows the account before and after the bank connection. This applies to both the

[0113] First, the repayment processing unit 319 of the server 110 checks whether the money (debt) lent to the user is due for repayment. When the limit is reached, the repayment amount is first repaid (divided) from the balance of "Point 1" (S200 If all repayments have been made, the process ends (S201-YES). If the amount cannot be repaid (S201-NO), the remaining amount will be refunded from the balance of "Point 2". If the remaining repayment amount has been repaid, the process ends (S20 3-YES).

[0114] If the remaining repayment amount cannot be repaid (S203-NO), the balance of "Sales Proceeds" or "Balance " is repaid (divided) by the remaining repayment amount (S204). If the remaining repayment amount has been repaid, The process ends (S205-YES). If the remaining amount cannot be repaid (S205-N O), and the remaining repayment amount is deducted from the user's bank account to complete the repayment (S20 6).

[0115] That is, the server 110 first subtracts the repayment amount from "point 1 (second balance)" and When "Point 1 (2nd balance)" is depleted, it will be subtracted from "Point 2 (3rd balance)". If "Point 2 (third balance)" is lost, it will be deducted from "Sales / Balance (first balance)". Also, if "Point 1" does not exist after connecting to the bank, the repayment will be made by calculating the Steps S200 and S201 of step 1 are omitted. First, subtract the repayment amount from "Point 2 (5th Balance)" and when "Point 2" is gone, In this case, the repayment is made by subtracting it from the "balance (fourth balance)". If the repayment amount cannot be deducted from the balance of the loan, at least part of the shortfall Repayment is made by directly withdrawing the amount from the user's bank account.

[0116] Before connecting to the bank, the server 110 calculates the repayment amount as "sales (first balance)" or "Point 1 (2nd Balance)" and the balance is deducted. In this case, the repayment may be made by subtracting the remaining balance from the remaining balance. 0 is the state after connecting to the bank, the repayment amount is "Balance (4th Balance)" or "Point 2 (4th Balance)" 5 balance), and when that balance is depleted, the other balance will be used. The repayment may be made by subtracting the amount from the "balance" after connecting to the bank. "Point 2" may also be referred to as the third balance and fourth balance, respectively.

[0117] If the user voluntarily repays the repayment amount by the repayment deadline, the flow chart shown in Figure 10 will be In this case, the repayment processing unit 319 will repay the full amount by the repayment deadline. A special benefit may be given to a user who has made such a request. For example and without limitation, the next time a user uses money, The benefit may be free or reduced interest when borrowing.

[0118] When the shortfall repayment amount is deducted from the bank account, if there are multiple If bank accounts are registered, the repayment processing unit 319 of the server 110 Among the accounts, transactions are conducted in e-commerce services, payment services or financial services. Alternatively, the server 1 may be configured to debit the bank account in order of the number of times the bank account has been used. The repayment processing unit 319 of the number 10 is a unit for processing the electronic commerce service, the settlement service, and the like, among the plurality of bank accounts. Bank accounts with the most recent cash transactions in business or financial services It is also possible to make the withdrawals in order of the amount of deposit in the bank account. It can also be set to

[0119] In the second embodiment, if the user's bank account cannot be debited, the server 1 The repayment processing unit 319 of 10 performs the processing required to send a reminder to the user (for example, blacklisting). (e.g., registration with Christo)

[0120] <Third embodiment> In the third embodiment, money is lent to a group including a plurality of users. In this embodiment, the loaned money is repaid from at least one of the users. There are two patterns for lending money to groups.

[0121] The first loan pattern is to loan one user out of multiple users the requested loan amount. and select other users as guarantors or joint lenders to guarantee the repayment of the loan amount. In the first pattern, the applicant is basically a guarantor. The user repays, but if the borrowed user does not repay, another user will repay the loaned amount. This will be done.

[0122] The second loan pattern accepts the amount of loan requested from each of a plurality of users, and Each user will be individually screened, and if they pass the screening, In the second pattern, each user is given a loan of the amount they requested. A loan is made, but at the time of repayment, one user can repay the loan amount for all users at once. Alternatively, each user may repay their own loan amount.

[0123] According to the third embodiment, money can be loaned to a group of people who wish to receive a loan. Furthermore, according to the third embodiment, for a group that wishes to borrow money, The server determines loan conditions by taking into consideration at least one of the user attribute information and the user behavior information of each user. Therefore, it is possible to determine the loan conditions more accurately and This will allow for smooth processing when determining loan conditions. This allows for smoother financial services to be provided. do.

[0124] <Functional configuration of the third embodiment> The functional configuration of the server 110 and the terminal 120 will be described again with reference to FIG. The point that this is not the case may be the same as in the first embodiment.

[0125] (1) Server functional configuration The control unit 313 includes a reception unit 315, an examination processing unit 316, a notification unit 317, and a loan processing unit. 318 and a repayment processing unit 319.

[0126] The storage unit 314 stores a program, a user management DB that manages the accounts of each user, and A user behavior database containing user behavior information and a loan management database containing loan conditions when lending to users. The user management DB and the user behavior DB are the same as those in the first embodiment. Therefore, the explanation will be omitted.

[0127] FIG. 12 is a diagram illustrating an example of a loan management DB according to the third embodiment. The loan management DB corresponding to one loan pattern is shown. The user ID of the user who received the loan is included. "User ID (guarantor)" includes the guarantor's The "Guarantor Type" field contains the user ID of the user who is the guarantor. The "Loan Amount" field contains a flag indicating whether the person is a guarantor or a joint guarantor. Contains the amount lent to the user with the user ID (lender). "Lending date", "Interest rate (year)" " and "Repayment deadline" are the same as in FIG. 4C, so the explanation will be omitted.

[0128] FIG. 12B shows the loan management DB corresponding to the second loan pattern. "User ID" contains an ID that uniquely identifies the group that receives the loan. The "Loan amount", "Loan date", "Interest rate (years)" and "Repayment deadline" are the same as in Figure 4C. In the example of B in Figure 12, the loan date and the repayment deadline are the same. However, it is not necessarily limited to this. Specifically, as will be described later, in the case of the second lending pattern, Since credit screening and lending are conducted independently for each user, the loan date and repayment deadline are grouped. The password may be uniform, or may be different for each user.

[0129] The receiving unit 315 receives a request for a loan from a group including a plurality of users. In the first lending pattern, the request for loan of money includes the group and In the second lending pattern, the amount of loan that the borrower wishes to receive is included. The requests include the loan amounts that each of the multiple users in the group wants to loan. do.

[0130] The examination processing unit 316 examines one or more users in a group. A function of conducting an examination regarding lending money to each of the plurality of users. In addition, in the case of the first lending pattern, the examination processing unit 316 selects one user in the group. The group will be screened as a user to whom the loan amount they wish to lend will be determined, and the loan amount will be determined by the user. Other users outside the company are screened as guarantors or joint guarantors who guarantee the repayment of the loan amount. In addition, in the case of the second lending pattern, the examination processing unit 316 performs the following for each user in the group: Each user is screened to determine the loan amount they wish to borrow.

[0131] The notification unit 317 notifies each user of the results of the examination performed by the examination processing unit 316 and the loan conditions. It has a notification function.

[0132] When the examination is completed, the loan processing unit 318 issues a loan to one or more users in the group. The loan processing unit 318 has a function of lending money to each user. In the case of a lending pattern, there is one user who lends money and a guarantor or joint guarantor. When the review of other users is completed, the loan amount will be loaned to that user. In addition, in the case of the second lending pattern, the lending processing unit 318 performs the following for each of the multiple users: When the screening is completed, the loan amount desired by each of the multiple users is provided to each of the multiple users. The amount will be loaned.

[0133] The repayment processing unit 319 receives a repayment amount from at least one of the users in the group. It also has the function of accepting repayments of the loaned money.

[0134] (2) Functional configuration of the terminal The sending unit 325 receives a loan of money from a user on a group basis via the UI unit 327. When the instruction to the effect that the loan is to be made is received, the server 110 that manages the loan of money is informed of the loan of money. The sending unit 325 also has a function of receiving loan conditions from each user and sending a request for the loan. When an instruction to accept the loan is received via the UI unit 327, the loan conditions for each user are In order to have the server 110 execute the loan of money, each user must confirm that they have accepted the loan conditions. The server 110 has a function of sending a notification indicating the above.

[0135] The receiving unit 326 receives the user attribute information and the user ID of each user from the server 110. The lending amount for each user is determined by screening the user based on their behavioral information. It has the function of accepting notifications of attached conditions.

[0136] The UI unit 327 displays various screens related to financial services provided by the server 110 on the terminal 12. 0 display. Also, various inputs related to the financial services can be The UI unit also has the function of accepting loans from users. The loan agreement has the function of accepting instructions from the lender regarding whether to accept the loan conditions or not.

[0137] <Operation Processing of Third Embodiment> FIG. 13 shows a processing procedure (first lending pattern) performed by the communication system according to the third embodiment. 13 is a flowchart showing an example of a user A, a user B, and a user C. In a group consisting of two users, User A receives a loan and User B and User C jointly guarantee the loan. This presupposes that you will be a witness or guarantor.

[0138] In step S300, the UI unit 327 of the terminal 120A accepts a group loan. On the screen, you can select whether you wish to lend to a group and the number of users who make up the group. Selection, selection of users to whom money is to be loaned from among each user in the selected group, and Select the user who will be the guarantor or guarantor, and select the type of guarantor (joint guarantor or guarantor) In this case, the user who wants to borrow money is User A. Assume that user B and user C are selected as guarantors.

[0139] Here, the screen for accepting the selection of users to make up the group shows the current location of user A. A user using a terminal 120 that is within a predetermined range from the current location of the terminal 120A. A list of users may be displayed, and a selection may be accepted from among the users displayed in the list. Or, a terminal that receives a Bluetooth (registered trademark) signal transmitted by the terminal 120A. A list of users using 120 is displayed, and selection is accepted from the displayed list. Alternatively, it may be displayed as a social graph showing the connections between users. Alternatively, the user may be selected from among the users who are available.

[0140] In step S301, the UI unit 327 of the terminal 120A subsequently receives a request for loan from the user A. Accepts input of desired amount.

[0141] In steps S302 and S303, the terminal 120B of the selected user B and and a message is sent to user C's terminal 120C regarding user A receiving the loan of the desired loan amount. For example, the terminal A consent confirmation message is sent from 120A to terminal 120B and terminal 120C via server 110. The consent of User B and User C may be obtained by sending a message to the user. Continue with the explanation assuming consent has been obtained.

[0142] In step S304, the transmitting unit 325 of the terminal 120 transmits a message requesting a group loan. The message contains the requested loan amount and the amount of the loan to User A. Information indicating that User B and User C will be guarantors for User A. Includes:

[0143] In step S305, when a message requesting a group loan is received, the server 110 transmits a message to the terminal 120A requesting input of user attribute information.

[0144] In step S306, the UI unit 327 of the terminal 120A receives a user ID from user A. Accepts input of user attribute information.

[0145] In step S307, the transmitting unit 325 of the terminal 120A receives the input user ID of user A. Send attribute information.

[0146] In step S308, the examination processing unit 316 of the server 110 examines the accepted user A's All information including the user's attribute information and the credit information of user A obtained from the credit agency system 140 Based on the user attribute information and the behavior information of user A acquired from the user behavior DB, A review is performed to determine whether or not it is possible to lend the amount requested by User A to User A.

[0147] Similarly, in the processing procedure of steps S309 to S312, user B A review is conducted to determine whether or not you can become A's joint guarantor (or guarantor), and step S3 13 - In step S316, User C becomes a joint guarantor (or guarantor) of User A. The contents of the examination regarding guarantors are as follows: The content of the examination may be simpler than that of the examination conducted.

[0148] In step S317, the notification unit 317 of the server 110 notifies the user A of the loan amount desired by the user A. Regarding lending to User A and User B and User C acting as joint guarantors, The result of the examination and the loan conditions (only if the examination is passed) are transmitted to the terminal 120A.

[0149] In step S318, if the examination is passed, the UI unit 327 of the terminal 120A confirms the loan conditions. If the application does not pass the screening, a message to that effect will be displayed on the screen and the process will end. The UI unit 327 allows the user A to select whether or not to accept the loan under the displayed loan conditions. Accepted from.

[0150] In step S319, the transmission unit 325 of the terminal 120A notifies the user A that the loan conditions have been accepted. The server 110 then sends a notification to the server 110 indicating that the request has been processed.

[0151] In step S320, the loan processing unit 318 of the server 110 determines whether or not user A has accepted the loan conditions. Upon receiving notification that the loan has been received, the loan is executed to User A in accordance with the loan conditions. , and information such as the loan conditions and the fact that User B and User C are joint guarantors is stored in the loan management DB. Remember.

[0152] In the above-described processing procedure, the terminal 1 of the user who is the guarantor or the guarantor is further 20 will be notified of the results of the screening and the User will be asked to become a joint guarantor or guarantor. The loan processing unit 318 of the server 110 may obtain consent for the loan conditions. The user who has passed the screening and is making the loan agrees to the loan conditions and Regarding the guarantor or guarantor becoming a joint guarantor or guarantor and the loan conditions If consent is given, the loan of money may be executed.

[0153] In the processing procedure described above, the processing procedure of steps S305 to S308, The processing procedure of steps S309 to S312 and steps S313 to S The execution order of the processing steps in 316 is not limited to the order shown in FIG. As long as there is no contradiction in the processing, the order of the steps can be changed or they can be executed simultaneously. good.

[0154] If the user to whom money is to be lent passes the examination, the examination processing unit 316 of the server 110 Furthermore, at least one of the users selected as a guarantor or a guarantor If the user passes the screening, the user may be provided with a loan of money. In the example of 13, if User A passes the screening, which of User B or User C If at least one of them passes the screening, the user A may be loaned money. Alternatively, the examination processing unit 316 of the server 110 may examine the user who is lending money and the joint guarantor. The money will be paid only if all users selected as guarantors or guarantors pass the screening. It may also be possible to provide a loan of money.

[0155] In the first lending pattern, when the repayment deadline passes, the server 110 executes the procedure described in the second embodiment. By following the procedure described above, the amount is deducted from the account of the user who made the loan. If the loan can be deducted from the user's account, If the amount is not sufficient, a deduction will be made from the account of the user who is the guarantor or cosigner. However, if the repayment deadline is not reached, any one member of the group can repay the loan. The user may make a refund.

[0156] FIG. 14 shows a processing procedure (second lending pattern) performed by the communication system according to the third embodiment. 14 is a flowchart showing an example of the user A, user B, and user C. In the group including the user, each user receives a loan of money. As with the first lending pattern, the selection of users who make up the group is accepted. A screen may be used to accept the selection of users to be included in the group. The screen displays the terminals that are within a predetermined range from the user's current location (the current location of the terminal 120). A list of users using 120 is displayed, and selection is accepted from the displayed list. Alternatively, the terminal 120 may transmit a Bluetooth (registered trademark) signal. A list of users who use the terminal 120 that received the signal is displayed, and the users in the list Alternatively, a sort that indicates the relationship between users may be used. A selection may be accepted from among the users displayed based on the chart.

[0157] In FIG. 14, the processing procedure from step S400 to step S403 is performed by user A, user A group chat that includes user B and user C. It will be held in the room.

[0158] In step S400, the UI unit 327 of the terminal 120A receives a group rental request from user A. The sending unit 325 receives an input of a message requesting attachment. The reception unit 315 of the server 110 sends the message to the talk room of the group talk. The server recognizes messages sent to the group requesting group loans. The server 110 inputs the loan amount desired for each user to the chat room of the group chat. Alternatively, a message may be sent to the user instructing the user to do so.

[0159] In steps S401 to S402, users A, B, and C In the talk room displayed on the screens of the terminal 120A, the terminal 120B, and the terminal 120C, The server 110 receives the requested loan amount from the user A. , and accepts the loan amount desired by each of user B and user C.

[0160] The processing procedure from step S410 to step S417 described below is performed based on the user's personal Since the communication includes the transmission of necessary information, the communication is not conducted in a group chat room but between user A and the server 110. Alternatively, the process may be performed separately between the two.

[0161] In step S410, when the loan amount desired by user A is received from terminal 120A, server 110 transmits a message to the terminal 120A requesting input of user attribute information.

[0162] In step S411, the UI unit 327 of the terminal 120A receives a user ID from user A. Accepts input of user attribute information.

[0163] In step S412, the transmitting unit 325 of the terminal 120A receives the input user ID of user A. Send attribute information.

[0164] In step S413, the examination processing unit 316 of the server 110 All information including the user's attribute information and the credit information of user A obtained from the credit agency system 140 Based on the user attribute information and the behavior information of user A acquired from the user behavior DB, A review is performed to determine whether or not it is possible to lend the amount requested by User A to User A.

[0165] In step S414, the notification unit 317 of the server 110 notifies the user A of the loan amount desired by the user A. The results of the review regarding lending to User A and the loan conditions (only if the review is passed) ) to the terminal 120A.

[0166] In step S415, if the examination is passed, the UI unit 327 of the terminal 120A confirms the loan conditions. If the application does not pass the screening, a message to that effect will be displayed on the screen and the process will end. The UI unit 327 allows the user A to select whether or not to accept the loan under the displayed loan conditions. Accepted from.

[0167] In step S416, the transmission unit 325 of the terminal 120A notifies the user A that the loan conditions have been accepted. The server 110 then sends a notification to the server 110 indicating that the request has been processed.

[0168] In step S417, the loan processing unit 318 of the server 110 determines whether or not user A has accepted the loan conditions. Upon receiving notification that the loan has been received, the loan is executed to User A according to the loan conditions. In addition, information such as the loan conditions when lending money to User A, and User A, User B, and The user ID and the group ID of the group including user C are stored in association with each other in the loan management DB.

[0169] In step S420, the terminal 120B and the server 110 perform the steps S410 to S420. The same processing procedure as in step S417 is executed. Also, in step S430, terminal 1 The same processing procedure as steps S410 to S417 is performed between the server 20C and the server 110. is executed.

[0170] In the second lending pattern, when the repayment deadline passes, the server 110 executes the procedure described in the second embodiment. Repayment is made by deducting the amount from each user's account according to the procedure described above. However, if the repayment deadline is not reached, any one user in the group can Alternatively, each user may be able to repay the borrowed amount in a lump sum.

[0171] In the second loan pattern, the screening processing unit 316 selects users who have failed the screening among multiple users. If there are users, the loan amount that the user who failed the screening requests is The loan application will be reviewed again to determine whether it will be loaned to users other than those who have failed the screening. Users other than those who have failed the screening may be, for example, The user with the highest score is selected, and the user is informed of the amount of loan desired by the user and the number of users who were rejected. The amount of loans requested by users other than the user will be reviewed. It can also be set to

[0172] <Fourth embodiment> In the fourth embodiment, the user is allowed to borrow less than the amount determined to be loanable to the user through the main examination. If the requested amount is small, the user will be given a loan amount determined to be available to the user. By subtracting the amount the user wishes to lend, the upper limit of the amount that can be further lent to the user is set. Calculate the price and present (recommend) products that can be purchased within the calculated upper limit to the user. In addition, if the user wishes to purchase the product, the amount of the product that the user wishes to borrow will be calculated based on the amount of the loan. The total price is then loaned.

[0173] According to the fourth embodiment, it is possible to encourage the user to borrow money. According to the fourth embodiment, the user who wishes to borrow money is provided with a loan in consideration of user attribute information, etc. The upper limit of the loan amount can be determined by the customer, and the customer can be recommended to purchase the product. The server handles the entire process from determining the upper limit to proposing products, making the entire process smooth. In addition, when borrowing money, users can easily check their repayment ability. You can also purchase goods within the range, so you can simply borrow money. Compared to the conventional method, it will promote user consumption behavior and contribute to the creation of a smoother society. It becomes possible.

[0174] <Functional configuration of the fourth embodiment> The functional configuration of the server 110 and the terminal 120 will be described with reference to FIG. Any points not specifically mentioned may be the same as those in the first embodiment.

[0175] The control unit 313 includes a reception unit 315, an examination processing unit 316, a notification unit 317, and a loan processing unit. a payment processing unit 318, a repayment processing unit 319, a recommendation processing unit 330, and a purchase processing unit 331. nothing.

[0176] The user management DB according to the fourth embodiment includes a user management table that stores information about which users each user has a predetermined relationship with. It contains information indicating whether

[0177] Here, the predetermined relationship is a relationship between two or more users stored in the server 110. By way of example and not limitation, a given relationship means parties that have mutually agreed to form a relationship. Relationships where at least one party has requested to establish a relationship; relationships established based on user information; Relationships are built based on user behavior, and relationships are built when certain conditions are met. The relationship established based on user information may include a state where one or more identical Alternatively, it may include a relationship that associates users having similar user information with each other, or A relationship built on user behavior is a relationship between users who have one or more identical or similar user behaviors. It may also include relationships that relate users to each other.

[0178] Also, a user who has a predetermined relationship with a user may, by way of example and not limitation, include a user who has a predetermined relationship with a user. It may be all users who are related to the user, or a predetermined number of users. Alternatively, the user may be a user with a degree of intimacy equal to or greater than a predetermined level.

[0179] Here, the intimacy level is the level of intimacy within a predetermined period (a fixed period such as one month or two months). or the period from the establishment of a specific relationship to the present) The degree to which the degree of intimacy is determined in order of the number of messages sent and received by In addition, transactions (such as buying and selling of goods) between users within a specified period may be recorded. The more times you send and receive assets (including currency exchanges), the higher your intimacy level will be. It can also be a degree.

[0180] In addition, the longer the period from the establishment of a certain relationship to the present, the closer the relationship becomes. The degree may be determined so that the density becomes higher. The length of time until the user is granted may be an absolute value or may be a value determined by one or more users who have a predetermined relationship with the user. It may also be a relative value within the user.

[0181] The intimacy level is the degree of intimacy between a user and multiple other users who have a predetermined relationship with the user. The longer the user stays within a certain range of the user's location, the higher the intimacy level. The intimacy level may be determined by the degree of intimacy between the user and multiple people who have a predetermined relationship with the user. For users, the period from when a specific relationship was established to the present and the location information of each user The higher the relationship (for example, the more likely it is that they are family members), the higher the degree of intimacy. The degree may be determined so that the degree becomes higher.

[0182] The intimacy level is the degree of intimacy between a user and multiple other users who have a predetermined relationship with the user. The more mutual users (common friends) you have, the higher your intimacy level will be. It may be a match.

[0183] Intimacy is the degree of a certain relationship between a user and the user with whom the user is communicating. The more users who have a specific relationship with the user, the higher the intimacy level. The degree may be determined so that the degree becomes higher.

[0184] The intimacy level is determined by the user's own attributes and the attributes of multiple users who have a predetermined relationship with the user. The degree of intimacy is determined so that the higher the similarity between each attribute, the higher the degree of intimacy. A user attribute may be, by way of example and not limitation, an interest or concern. stomach.

[0185] The receiving unit 315 receives from the user a request including a loan amount (first loan amount) that the user wishes to borrow. It has the function of accepting requests for loans of money, including

[0186] The credit processing unit 316 receives the loan amount that the user desires to borrow and the user attribute information (annual income, Calculate the maximum amount that can be further loaned to the user based on the amount of loans (loans from other companies, etc.) The examination processing unit 316 may also be called a calculation unit. Similar to the first embodiment, the user attribute information and the user behavior information are used as the basis for the determination. The examination may be conducted based on the following criteria:

[0187] The loan processing unit 318 receives from the user the product that the recommendation processing unit 330 has presented to the user. When receiving an instruction that the User wishes to purchase the property, the Company will inform the User of the loan amount that the User wishes to lend. The process of lending the loan amount (second loan amount) with the sum of the receivable amount and the price of the product as the minimum. Do the following.

[0188] The recommendation processing unit 330 further recommends the user to lend the amount calculated by the review processing unit 316. Present the user with the products that can be purchased within the upper limit of the amount that can be added (at the terminal used by the user) The recommendation processing unit 330 includes a transmitting unit. Good too.

[0189] The purchase processing unit 331 is a unit that processes a product that the recommendation processing unit 330 presents to the user. It has the function of performing various processes regarding the entry.

[0190] <Operation Processing of Fourth Embodiment> FIG. 16 is a diagram for explaining the amount of money that can be further loaned to a user. The example in FIG. 16 is as follows: As a result of the screening, the amount that is deemed to be available for loan to the user is subject to the total amount limit (borrowing of more than 1 / 3 of annual income is prohibited). For example, the upper limit of the user's annual income is shown below. 1 / 3 is X yen, the user's borrowing amount from other companies is Y yen, and the user's desired loan amount is If the loan amount is Z yen, the user can be further loaned X-(Y+Z) yen. In this case, the recommendation processing unit 330 of the server 110 can recommend a price range of X-(Y+Z) yen or less. By presenting product information of products that can be purchased on the Encourage.

[0191] The recommendation processing unit 330 detects whether the price of the product to be presented to the user is less than the loan amount desired by the user. The product to be presented to the user may be determined so that the product satisfies the above condition.

[0192] The recommendation processing unit 330 also determines whether the price of the product presented to the user is based on the price the user has paid to the e-commerce site. The average, lowest, highest or highest price of past successful bids on auction items. The price will be lower than the middle price when the winning bids for the previous items are sorted by price. The product may be determined based on the above.

[0193] The recommendation processing unit 330 also detects whether a user is using a social network service. From among the products for which users have made a predetermined reaction (for example, pressing "Like"), The product to be presented to the customer may be determined.

[0194] The recommendation processor 330 also provides recommendations based on the information the user browses on the e-commerce website. The product to be presented to the user may be determined from the products that have been searched or found. When the user has viewed the product a predetermined number of times (for example, three or more times), Alternatively, the product to be presented to the user may be determined from the products that the user has previously purchased. The price of the products purchased in the same period is higher than the average price of the products purchased in the same period by a certain percentage (for example, 10%). The product to be presented to the user is determined from among the products that the user has viewed a predetermined number of times or more. It may be possible to set the

[0195] The products that the recommendation processing unit 330 presents to the user include products from the company that manages the server 110 or third-party services, products or coupons. An example of a coupon is a discount on a product or service offered by a third party. For example, a service that normally costs 50,000 yen can be reduced to 30,000 yen by using a coupon. When there is a service like this, the coupon is presented as a product to be offered to the user, In addition, a message urging the user to borrow an additional 30,000 yen is displayed on the screen of the terminal 120. The coupons that the recommendation processing unit 330 presents to the user may be The coupon may be available within a predetermined range from the current location.

[0196] In addition, the loan processing unit 318 detects whether the user has a predetermined relationship with the user. There is a user who has received a loan that exceeds the loan amount he / she wishes to borrow (first loan amount). In this case, the system may have a function of presenting the loan amount to the user. This will encourage users to consume more and contribute to the creation of a smoother society. becomes.

[0197] (Appendix 1-1) An information processing method performed by an information processing device, receiving a request for a loan from a user; An examination is carried out based on the user attribute information and user behavior information of the user. determining loan conditions for lending money to the user; notifying the user of the determined loan conditions; to the user when the user receives notification indicating that the user has accepted the loan terms; and providing a loan of money to the lender in accordance with the loan conditions.

[0198] (Appendix 1-2) The loan conditions include a repayment deadline for lending money to the user, The step of determining includes determining whether to assign a user attribute to a user based on the user attribute information and the user behavior information. The information processing method according to claim 1-1, wherein the repayment deadline is determined according to the creditworthiness of the borrower.

[0199] (Appendix 1-3) The determining step determines a plurality of loan conditions with different loan amounts; The step of notifying the user includes notifying the user of the plurality of loan conditions with different loan amounts. Notify, The step of providing the loan may include providing the loan under one of the plurality of loan conditions designated by the user. The information processing company set forth in Appendix 1-1 or 1-2 will lend money in accordance with one of the loan conditions. method.

[0200] (Appendix 1-4) The determining step determines the loan conditions including an upper limit of the loan amount; The step of notifying the user includes informing the user of the loan conditions including the upper limit of the loan amount. Know, The step of providing the loan may include determining whether the loan amount received from the user is equal to or greater than the loan amount. If the above conditions are met, the requested amount of money will be loaned in accordance with the loan conditions. The information processing method according to any one of claims 1 to 3.

[0201] (Appendix 1-5) The loan conditions include the interest rate to be applied when the money is loaned, The step of providing the loan further includes receiving from the user a set of terms and conditions to which the interest rate is applied. When the information indicating that the user has confirmed the loan is received, the loan company will lend the user money in accordance with the loan conditions. The information processing method according to any one of Appendices 1-1 to 1-4, wherein the information processing method performs appending.

[0202] (Appendix 1-6) The user behavior information includes the history of electronic commerce transactions performed by the user, the usage of payment services, etc. Supplementary notes 1-1 to 1-1 include at least one of a usage history and a history of the user's location information. -5. An information processing method according to any one of claims 1 to 5.

[0203] (Appendix 1-7) In the information processing device, receiving a request for a loan from a user; An examination is carried out based on the user attribute information and user behavior information of the user. determining loan conditions for lending money to the user; notifying the user of the determined loan conditions; to the user when the user receives notification indicating that the user has accepted the loan terms; and a step of lending money to the lender in accordance with the loan conditions. Hmm.

[0204] (Appendix 1-8) An information processing method performed by an information processing device, a reception unit that receives a request for a loan of money from a user; An examination is carried out based on the user attribute information and user behavior information of the user. an examination processing unit that determines loan conditions when lending money to the user by performing the above-mentioned operation; a notification unit that notifies the user of the determined loan conditions; to the user when the user receives notification indicating that the user has accepted the loan terms; and a loan processing unit that lends money to the user in accordance with the loan conditions.

[0205] (Appendix 1-9) An information processing device used by a user who wishes to borrow money, A step of making a request for a loan of money to another information processing device that manages the loan of money. Pu and, The other information processing device transmits the user attribute information and the user row of the user. The loan conditions for lending money to the user are determined by screening the user based on the dynamic information. receiving the notification; If the user indicates that they accept the loan conditions, In order to execute the loan of money under the loan conditions, the user accepts the loan conditions. a step of notifying the other information processing device of a notification indicating that the other information processing device has been Rum.

[0206] (Appendix 1-10) The step of accepting includes receiving the loan information including an upper limit of the loan amount from the other information processing device. Accept notice of the attached conditions, A screen displaying at least a part of the user attribute information and the upper limit of the loan amount is a step of accepting from the user a desired loan amount up to the loan amount; Top, has The step of notifying includes: notifying the requested loan amount received from the user based on the other information; 10. The program of claim 1-9, wherein the program notifies the processing device.

[0207] (Appendix 1-11) The user behavior information includes the history of electronic commerce transactions performed by the user, the decision of the user, and the like. At least one of the usage history of the service and the history of the user's location information The program according to appendix 1-9 or 1-10, comprising:

[0208] (Appendix 1-12) An information processing method executed by an information processing device used by a user who wishes to borrow money, , A step of making a request for a loan of money to another information processing device that manages the loan of money. Pu and, The other information processing device transmits the user attribute information and the user row of the user. The loan conditions for lending money to the user are determined by screening the user based on the dynamic information. receiving the notification; If the user indicates that they accept the loan conditions, In order to execute the loan of money under the loan conditions, the user accepts the loan conditions. and notifying the other information processing device of a notification indicating that the other information processing device has been connected to the other information processing device. .

[0209] (Appendix 1-13) An information processing device used by a user who wishes to borrow money, A request unit that makes a request regarding a loan of money to another information processing device that manages the loan of money. and, The other information processing device transmits the user attribute information and the user row of the user. The loan conditions for lending money to the user are determined by screening the user based on the dynamic information. a reception unit that receives notifications; If the user indicates that they accept the loan conditions, In order to execute the loan of money under the loan conditions, the user accepts the loan conditions. a notification unit that notifies the other information processing device of a notification that the other information processing device has been .

[0210] (Appendix 2-1) An information processing method performed by an information processing device, Stores the loan terms, including the loan amount, interest rate, and repayment deadline, when lending money to a user. storing loan management information; After the repayment deadline, the minimum of the multiple balances associated with the user's account Deduct the loan amount and the repayment amount based on the interest rate from at least one of the balances. and making a repayment by

[0211] (Appendix 2-2) The step of making the repayment may include making the repayment in order of priority from among the plurality of balances. The information processing method described in Appendix 2-1, which subtracts the amount.

[0212] (Appendix 2-3) The step of making a repayment includes making a payment that can be used to purchase new products included in the plurality of balances. Repayment will be made by deducting the repayment amount from the remaining points. The information processing method described in

[0213] (Appendix 2-4) The step of making the repayment includes giving priority to points with the shortest validity period among the points. The information processing method described in Appendix 2-3, in which repayment is made by subtracting the amount.

[0214] (Appendix 2-5) If the user's account is not associated with the user's bank account, , the plurality of balances include: The first balance indicates the balance of the sales proceeds obtained by selling the product, a second balance indicating the balance of points available for purchasing products; If it contains The step of making the repayment may include adjusting the repayment amount to either the first balance or the second balance. When the balance is depleted, the amount is repaid by subtracting from the other balance. The information processing method according to any one of Supplementary Notes 2-1 to 2-4,

[0215] (Appendix 2-6) If the user's account is associated with the user's bank account, The plurality of balances include: The proceeds from the sale of a product can be used to purchase new products. a third balance showing the remaining sales revenue; A fourth balance indicating the remaining points available for purchasing new products; If it contains The step of making the repayment may include adjusting the repayment amount to either the third balance or the fourth balance. When the balance is depleted, the amount is repaid by subtracting from the other balance. The information processing method according to any one of Supplementary Notes 2-1 to 2-5,

[0216] (Appendix 2-7) The step of making the repayment may not subtract the repayment amount from the plurality of balances. In this case, at least a part of the shortfall in the repayment amount is debited from the user's bank account. The information processing method according to any one of Appendices 2-1 to 2-6,

[0217] (Appendix 2-8) In the information processing device, Stores the loan terms, including the loan amount, interest rate, and repayment deadline, when lending money to a user. storing loan management information; After the repayment deadline, the minimum of the multiple balances associated with the user's account Deduct the loan amount and the repayment amount based on the interest rate from at least one of the balances. The steps for making repayments and the program for carrying them out.

[0218] (Appendix 2-9) Stores the loan terms, including the loan amount, interest rate, and repayment deadline, when lending money to a user. a storage unit that stores loan management information; After the repayment deadline, the minimum of the multiple balances associated with the user's account Deduct the loan amount and the repayment amount based on the interest rate from at least one of the balances. and a repayment processing unit that performs repayment.

[0219] (Appendix 3-1) An information processing method performed by an information processing device, accepting a request for a loan from a group including a plurality of users; For one of the plurality of users or for each of the plurality of users conducting a review of the loan; When the review is completed, for the one user or each of the plurality of users, providing a loan of money; Accepting repayment of the loaned money from at least one of the plurality of users and a step of:

[0220] (Appendix 3-2) The request includes a loan amount desired to be loaned; The step of conducting the examination includes determining the one user as a user to whom the loan amount is to be loaned. and then selects other users other than the one user as a guarantor who guarantees the repayment of the loan amount. We will conduct an examination as a guarantor or joint guarantor, The step of providing the loan includes the step of: When the transaction is completed, the loan amount is loaned to the one user. Information processing methods.

[0221] (Appendix 3-3) The step of providing the loan is carried out when the one user passes the screening and the other user If at least one of the users passes the screening, the loan will be granted to the user. The information processing method described in Appendix 3-2 for providing a loan of a specified amount.

[0222] (Appendix 3-4) the request includes a loan amount that each of the plurality of users desires to loan; The step of conducting the examination includes examining each of the plurality of users to determine what each user desires. The amount of the loan will be reviewed and approved. The step of providing the loan includes, when the examination of each of the plurality of users is completed, Supplementary Note 3: A loan is made to each of the plurality of users in an amount desired by each user. -1. Information processing method.

[0223] (Appendix 3-5) The step of conducting the examination may include, if there is a user among the plurality of users who has failed the examination, In this case, the loan amount that a user who has failed the screening among the plurality of users requests is set by the screening. The information in Appendix 3-4 will be reviewed to determine whether to lend to users other than those who have been rejected. Information processing methods.

[0224] (Appendix 3-6) In the information processing device, accepting a request for a loan from a group including a plurality of users; For one of the plurality of users or for each of the plurality of users conducting a review of the loan; When the review is completed, for the one user or each of the plurality of users, providing a loan of money; Accepting repayment of the loaned money from at least one of the plurality of users The steps and the program to execute them.

[0225] (Appendix 3-7) a reception unit that receives requests for loans from a group including a plurality of users; For one of the plurality of users or for each of the plurality of users an examination processing unit that performs examinations regarding loans of money; When the review is completed, for the one user or each of the plurality of users, a loan processing unit that lends money; Accepting repayment of the loaned money from at least one of the plurality of users and a repayment processing unit.

[0226] (Appendix 4-1) An information processing method performed by an information processing device, A request from a user for a loan of money, including a first loan amount that the user wishes to loan. accepting a request; Further, based on the first loan amount and the user attribute information of the user, Calculating an upper limit of the loanable amount; The user uses product information about products that can be purchased within the calculated upper limit of the price. transmitting the information to an information processing device; When receiving an instruction from the user that the user wishes to purchase the product, a step of lending a second loan amount, the lower limit of which is the sum of the first loan amount and the price of the product; and an information processing method including:

[0227] (Appendix 4-2) The method according to claim 4-1, further comprising a step of carrying out a process for the user to purchase the product. The information processing method described above.

[0228] (Appendix 4-3) The step of transmitting may be performed by adjusting the price of the product so that the price is less than the first loan amount. An information processing method described in Appendix 4-1 or 4-2 for determining a product.

[0229] (Appendix 4-4) The step of transmitting the price of the product may be carried out by the user in the past in electronic commerce transactions. The average price, lowest price, highest price, or the price of previously won items The price will be lower than the middle price when the winning bid prices are sorted in order of price. The information processing method according to any one of Supplementary Notes 4-1 to 4-3, wherein a product is determined.

[0230] (Appendix 4-5) The step of sending may be performed by the user using a predetermined social network service. From the products that have reacted to the above, a product to be sent to the user is determined. The information processing method according to any one of 1 to 4-4.

[0231] (Appendix 4-6) Among users who have established a predetermined relationship with the user, there is a user who has a loan exceeding the first loan amount. If there is a user who is receiving the loan, the loan amount lent to that user is presented to that user. The information processing method according to any one of Supplementary Notes 4-1 to 4-5, further comprising the step of:

[0232] (Appendix 4-7) In the information processing device, A request from a user for a loan of money including a first loan amount that the user wishes to loan. receiving a request; Further, based on the first loan amount and the user attribute information of the user, Calculating an upper limit of the loanable amount; The user uses product information about products that can be purchased within the calculated upper limit of the price. transmitting the information to an information processing device; When receiving an instruction from the user that the user wishes to purchase the product, a step of lending a second loan amount, the lower limit of which is the sum of the first loan amount and the price of the product; A program to run the application.

[0233] (Appendix 4-8) A request from a user for a loan of money including a first loan amount that the user wishes to loan. a reception unit that receives a request; Further, based on the first loan amount and the user attribute information of the user, a calculation unit that calculates an upper limit of the loanable amount; The user uses product information about products that can be purchased within the calculated upper limit of the price. a transmitting unit that transmits information to the information processing device; When receiving an instruction from the user that the user wishes to purchase the product, hand , a loan of a second loan amount whose lower limit is the sum of the first loan amount and the price of the product; With An information processing device having a processing unit. [Explanation of symbols]

[0234] 1. Communication Systems 10 Servers 100 Communication Systems 110 Server 110A Server 110B Server 120 terminals 120A terminal 120B terminal 120C terminal 120X terminal 130 Network 140 Credit Agency System 150 Banking System 200 Information processing device 201 processor 202 memory 203 Storage 204 Input / Output Interface (Input / Output I / F) 205 Communication Interface (Communication I / F) 313 Control Unit 314 Storage section 315 Reception Department 316 Examination Department 317 Notification Department 318 Loan Processing Department 319 Repayment Processing Department 323 Control Unit 324 Storage section 325 Transmission Unit 326 Receiving Unit 327 UI (User Interface) Section 328 Location information measurement section 330 Recommendation processing section 331 Purchase Processing Department

Claims

[Claim 1] The invention described in the specification.

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