Mediation system and mediation method

Abstract

To enable mediation between individuals which reduces a psychological burden upon a transaction.SOLUTION: A mediation system stores in-self system evaluation data including an evaluation comment(s) in which a lender after a transaction as a lender after the transaction of borrowing has evaluated a borrower after the transaction as a borrower thereof, acquires in-cooperation system data including information on the borrower from a cooperation system, generates evaluation items for evaluating the borrower based on the evaluation comment(s) of the in-self system evaluation data, extracts information on the borrower from the in-cooperation system data when the borrower submits a trade request, executes evaluation about the evaluation items, creates cooperation evaluation information based on the evaluation result, extracts the evaluation comment(s) for the borrower from the in-self system evaluation data, and presents a trade request including provided evaluation information based on inner evaluation information and the cooperation evaluation information based on the evaluation comment(s) to the lender of an article specified by the borrower.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present disclosure relates to a technology for providing a sharing service between individuals. [Background technology]

[0002] In recent years, services that mediate the lending and borrowing of goods between individuals have been attracting attention. For example, peer-to-peer car sharing services are being offered that mediate the lending and borrowing of cars between individuals. Peer-to-peer car sharing services involve, for example, owners who want to lend their cars when they are not using them and drivers who want to use the cars entering into a joint vehicle use agreement in advance, and then connecting drivers and owners upon request, thereby mediating the lending and borrowing of cars. However, in peer-to-peer car sharing services, there are an unspecified number of owners and drivers, and users interact with people with unknown relationships. As a result, the interaction places a psychological burden on owners and / or drivers, preventing the service from becoming widespread.

[0003] Patent Document 1 discloses technology for establishing an intermediation system that satisfies both the owner and the driver, with the aim of reducing the psychological burden of transactions in peer-to-peer car sharing services. In the hourly car rental intermediation system disclosed in Patent Document 1, the owner and driver rate each other when renting or renting a car, and past evaluation results are used when making new matches. When searching for a partner, the owner and driver can set conditions based on each other's evaluation results and select a partner that meets the conditions. This makes it possible to make a match that satisfies both parties. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2008-052663 Summary of the Invention [Problem to be solved by the invention]

[0005] However, when a peer-to-peer car sharing service is first launched, there is insufficient transaction history for owners and drivers, making it difficult to obtain sufficient evaluation information, which can lead to concerns about the validity of the evaluations. Even if a certain amount of time has passed since the launch of a peer-to-peer car sharing service, there is still insufficient information on owners and drivers who have just started using the service. Even if a certain amount of evaluations are accumulated for owners and drivers, these are mutually conducted, subjective evaluations, which can lead to concerns about the content of the evaluations.

[0006] One objective of the present disclosure is to provide a technology that enables reducing the psychological burden of transactions between individuals. [Means for solving the problem]

[0007] An intermediary system according to one aspect of the present invention is an intermediary system that mediates the lending and borrowing of goods, and includes: an internal system evaluation data storage unit that stores internal system evaluation data including evaluation comments made by the post-transaction lender, who is the lender of the loan, on the post-transaction borrower, who is the borrower of the loan after the loan transaction; an internal system data acquisition unit that acquires internal system data including information about the borrower from an internal system, which is another information system that cooperates with the intermediary system; an evaluation criteria creation unit that generates evaluation items for evaluating the borrower based on the evaluation comments in the internal system evaluation data; an internal system evaluation information creation unit that, when the borrower submits a transaction request, extracts information about the borrower from the internal system data, evaluates the borrower based on the evaluation items, and creates internal system evaluation information based on the evaluation results; and a request submission unit that extracts evaluation comments for the borrower from the internal system evaluation data, and submits a transaction request to the lender of the item specified by the borrower, including internal evaluation information based on the evaluation comments and provided evaluation information based on the internal system evaluation information.

[0008] An intermediation method according to one aspect of the present invention is an intermediation method for intermediating the lending and borrowing of goods using an intermediation system, in which a computer stores internal system evaluation data including evaluation comments made by the lender, who is the lender of the loan, on the borrower, who is the borrower of the loan, after a loan transaction; acquires internal system data including information about the borrower from an intermediary system, which is another information system that is interrelated with the evaluation system; generates evaluation items for evaluating the borrower based on the evaluation comments in the internal system evaluation data; when the borrower submits a transaction request, extracts information about the borrower from the data in the intermediary system, evaluates the borrower based on the evaluation items, creates intermediary evaluation information based on the evaluation results; extracts evaluation comments for the borrower from the internal system evaluation data; and presents a transaction request to the lender of the item specified by the borrower, including internal evaluation information based on the evaluation comments and provided evaluation information based on the intermediary evaluation information. [Effects of the Invention]

[0009] According to one aspect of the present disclosure, a technology can be provided that enables intermediation that reduces the psychological burden when conducting transactions between individuals. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a conceptual diagram showing an entire sharing system including an intermediation system according to an embodiment of the present invention. [Figure 2] 1 is a conceptual diagram showing an example of the configuration of an intermediation system according to an embodiment of the present invention. [Figure 3] 1 is a flowchart illustrating an example of the overall process according to the present embodiment. [Figure 4] 10 is a flowchart illustrating an evaluation item extraction process according to the present embodiment. [Figure 5] FIG. 10 is a diagram illustrating an example of a format of in-system evaluation data according to the present embodiment. [Figure 6] FIG. 10 is a diagram illustrating an example of a conversion table for converting extracted expressions into evaluation items. [Figure 7] FIG. 10 is a diagram illustrating an example of sorting processing of evaluation items. [Figure 8] 10 is a flowchart illustrating an evaluation threshold determination process according to the present embodiment. [Figure 9] 10 is a diagram illustrating an example of the format of payment management information, which is data within the linked system according to this embodiment. FIG. [Figure 10] 10 is a diagram illustrating an example of the format of accommodation management information, which is data within the linked system according to this embodiment. FIG. [Figure 11] FIG. 10 is a diagram illustrating an example of a format of review information, which is data within a linkage system according to this embodiment. [Figure 12] 10 is a diagram illustrating an example of the format of complaint information, which is data within the linkage system according to this embodiment. FIG. [Figure 13] FIG. 2 is a diagram illustrating a list of management items of data in a linked system according to the present embodiment. [Figure 14] FIG. 10 is a diagram illustrating an example of the association between evaluation items and linked evaluation items according to this embodiment. [Figure 15] 10 is a flowchart illustrating a collaboration evaluation information creation process according to the present embodiment. [Figure 16] FIG. 2 is a diagram illustrating an example of a format of driver information according to the present embodiment. [Figure 17] 10 is a diagram illustrating an example of a format of collaboration evaluation information created by collaboration evaluation information creation processing according to the present embodiment. FIG. [Figure 18] 10 is a flowchart illustrating a matching candidate presentation process according to the present embodiment. [Figure 19] FIG. 2 is a sequence diagram illustrating a process for matching borrowers and lenders according to the present embodiment. [Figure 20] FIG. 2 is a diagram illustrating an example format of employee management information according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0012] FIG. 1 is a conceptual diagram showing the overall structure of a sharing system including an intermediary system according to this embodiment. In this example, the sharing system provides a car sharing service. In this case, the item that is the subject of lending and borrowing mediated by the intermediary system is an automobile owned by a lender. However, a sharing system including an intermediary system may also provide services other than car sharing. The item that is the subject of lending and borrowing may be something other than an automobile.

[0013] The sharing system 100 includes an intermediary system 1 and a linking system 2. The intermediary system 1 and the linking system 2 are connected to each other via a communication line so as to be able to communicate with each other.

[0014] The intermediation system 1 is communicably connected to a user terminal 4 via a communication network 3 such as the Internet. The linking system 2 may also be communicably connected to the user terminal 4 via the communication network 3.

[0015] Company A is, for example, a company that operates accommodation facilities. However, it is not limited to this. Company A is not limited to a private company, but may be any operating entity such as a national institution or a foundation. Company A operates the intermediary system 1 and the collaboration system 2.

[0016] For example, if Company A is a hotel operator, both hotel employees and customers can become owners of items (i.e., lenders) and conversely, borrowers of items in the Service. If the Service is a car-sharing service, both hotel employees and customers can become owners of cars (i.e., lenders) and conversely, car drivers (i.e., borrowers of items) in the Service.

[0017] FIG. 2 is a conceptual diagram showing an example of the configuration of the intermediation system according to this embodiment.

[0018] The intermediation system 1 is a computer having at least one processor and at least one memory.

[0019] The processor is composed of, for example, a CPU (Central Processing Unit), MPU (Micro Processing Unit), GPU (Graphics Processing Unit), FPGA (Field-Programmable Gate Array), etc. The processor functionally realizes an in-system evaluation data storage unit 11, an in-coordination system data acquisition unit 12, an evaluation criteria creation unit 13, an in-coordination evaluation information creation unit 14, and a requirement presentation unit 15 by reading and executing an intermediation program stored in memory.

[0020] The internal system evaluation data storage unit 11 has a function of storing internal system evaluation data including evaluation comments made by the post-transaction lender (the lender) of the borrower (the borrower) after a loan transaction. The linked system data acquisition unit 12 has a function of acquiring linked system data including information about the borrower from the linked system 2, another information system linked to the internal system 1. The evaluation criteria creation unit 13 has a function of generating evaluation items for evaluating the borrower based on the evaluation comments in the internal system evaluation data. When a borrower submits a request, the linked evaluation information creation unit 14 has a function of extracting information about the borrower from the linked system data, evaluating the evaluation items, and creating linked evaluation information based on the evaluation results. The request submission unit 15 has a function of extracting evaluation comments about the borrower from the internal system evaluation data and submitting a transaction request to the lender of the item specified by the borrower, including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information.

[0021] The internal system evaluation data storage unit 11 further has a function of storing evaluation comments made by borrowers after a transaction to evaluate lenders in the internal system evaluation data. The linked system data acquisition unit 12 further has a function of acquiring linked system data, including information about lenders, from the linked system 2. The evaluation criteria creation unit 13 further has a function of generating evaluation items for evaluating lenders based on the evaluation comments in the internal system evaluation data. The linked evaluation information creation unit 14 further has a function of generating linked evaluation information based on evaluation results for evaluation items related to lenders of items that meet the conditions specified by the borrower. The request presentation unit 15 further has a function of extracting evaluation comments about lenders from the internal system evaluation data and presenting to the borrower a list of lendable items including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information.

[0022] The linkage system 2 may be composed of multiple subsystems. In this example, the linkage system 2 has three subsystems: an employee management system 21, a customer payment management system 22, and an accommodation management system 23. However, the internal configuration of the linkage system 2 is not limited to this, and a person skilled in the art may design and implement the internal configuration as appropriate depending on the use of the linkage system 2, etc.

[0023] The employee management system 21 has employee management information. The customer payment management system has payment management information. The accommodation management system has review information, complaint information, and accommodation management information. The linked system data acquisition unit 12 acquires linked system data including information about the borrower, or linked system data including information about the lender after the transaction, from among these various types of information. However, the content of the information held by each subsystem above is merely an example, and various information may be accumulated depending on the configuration of the subsystem. Furthermore, the linked system data acquisition unit 12 may acquire linked system data from among such various types of information.

[0024] FIG. 3 is a flowchart illustrating the overall processing according to this embodiment.

[0025] The evaluation criteria creation unit 13 performs an evaluation item extraction process (St101). The evaluation criteria creation unit 13 performs an evaluation threshold determination process (St102). The linked evaluation information creation unit 14 performs a linked evaluation information creation process (St103). Details of the processes related to each step will be described later.

[0026] FIG. 4 is a flowchart illustrating an evaluation item extraction process according to this embodiment.

[0027] The evaluation data within the system also includes evaluation scores corresponding to the evaluation comments. The evaluation criterion creation unit 13 extracts partial text with positive expressions from evaluation comments with evaluation scores equal to or greater than the median, and / or extracts partial text with negative expressions from evaluation comments with evaluation scores equal to or less than the median, and creates the evaluation items based on the partial text. Below is a flowchart showing the process of extracting partial text with positive expressions and the process of extracting partial text with negative expressions.

[0028] The evaluation criteria creation unit 13 reads all combinations of "evaluation points" and "evaluation comments" from the evaluation data in its own system (St201).

[0029] The evaluation criterion creating unit 13 repeats the processes from step St203 to step St208 for the number of combinations of acquired evaluation information (St202).

[0030] The evaluation criterion creating unit 13 determines whether the evaluation score is greater than the median (St203). If the evaluation score is greater than the median (St203: Yes), the process proceeds to step St204. If the evaluation score is not greater than the median (St203: No), the process proceeds to step St205.

[0031] In step St204, the evaluation criterion creation unit 13 extracts "positive expressions" from the entire text of the evaluation comments whose evaluation points are equal to or greater than the median. As a specific example of a method, positive expressions may be extracted from the entire text of the evaluation comments using generative artificial intelligence such as a large-scale language model.

[0032] The evaluation criterion creating unit 13 determines whether the evaluation score is smaller than the median (St205). If the evaluation score is smaller than the median (St205: Yes), the process proceeds to step St206. If the evaluation score is not smaller than the median (St205: No), the process proceeds to step St207.

[0033] In step St206, the evaluation criterion creating unit 13 extracts "negative expressions" from all the evaluation comments whose evaluation points are equal to or less than the median value.

[0034] The evaluation criterion creating unit 13 converts the extracted expressions into evaluation items (St207).

[0035] The evaluation criterion creating unit 13 sorts the evaluation items by the number of times the extracted expressions appear (St208).

[0036] FIG. 5 is a diagram illustrating an example of the format of the in-system evaluation data according to this embodiment.

[0037] In this example, the evaluation data within the system includes a driver ID, a transaction number, an evaluation score, and an evaluation comment. The driver ID is an ID that uniquely identifies a user who is a driver using a car in a car sharing service. The transaction number is the transaction number when a driver who borrows a car uses the car sharing service. The evaluation score is an evaluation score, for example, with a maximum score of 5 points. This evaluation is made by the owner who lends the car. In this example, the median evaluation score is 3 points. The evaluation comment is a comment made by the owner who lends the car to the driver who borrows the car.

[0038] The format of the evaluation data within the system in which the driver who is the borrower of the car evaluates the owner who is the lender of the car may also be the same as that shown in FIG.

[0039] FIG. 6 is a diagram illustrating a conversion table for converting extracted expressions into evaluation items.

[0040] The conversion process of converting the extracted expressions into evaluation items in step St207 may be performed by referring to table data, for example. For example, table data (see FIG. 6) in which the extracted expressions and the evaluation items into which the expressions are converted are stored as information items is stored in advance in a storage device. The evaluation criterion creation unit 13 converts the extracted expressions into evaluation items by referring to this table data. Note that the extracted expressions may also be converted into evaluation items by a method such as inputting them into a large-scale language model (LLM).

[0041] FIG. 7 is a diagram illustrating an example of the sorting process of the evaluation items.

[0042] In step St208, the evaluation criteria creating unit 13 sorts the evaluation items by the number of times the extracted expressions appear. In Fig. 7, the evaluation items are sorted in descending order of the number of times they appear.

[0043] FIG. 8 is a flowchart illustrating an evaluation threshold determination process according to this embodiment.

[0044] The evaluation criteria creating unit 13 reads all the results of the evaluation item extraction process (St301).

[0045] The evaluation criterion creating unit 13 repeats the process from step St303 to step St306 for the number of acquired evaluation items (St302).

[0046] The evaluation criteria creating unit 13 associates the evaluation items with the management items (linkage evaluation items) of the data in the linked system (St303).

[0047] The evaluation criteria creating unit 13 sets the importance of the linked evaluation item according to the strength of the relationship between the linked evaluation item and the evaluation item (St304).

[0048] The evaluation criteria creating unit 13 defines an evaluation method for the linked evaluation item (St305).

[0049] The evaluation criterion creating unit 13 sets upper and lower limits for the linked evaluation items (St306).

[0050] FIG. 9 is a diagram illustrating an example of the format of payment management information, which is data within the linked system according to this embodiment.

[0051] The customer payment management system 22 included in the linked system 2 has payment management information (see FIG. 2). The payment management information has information items such as customer ID, name, and delinquency rate.

[0052] FIG. 10 is a diagram illustrating an example of the format of accommodation management information, which is data within the linked system according to this embodiment.

[0053] The accommodation management system 23 included in the linked system 2 has accommodation management information (see FIG. 2). The accommodation management information has information items such as customer ID, name, number of nights stayed, rate of lateness, and post-use evaluation.

[0054] FIG. 11 is a diagram illustrating an example of the format of review information, which is data within the linked system according to this embodiment.

[0055] The accommodation management system 23 included in the linked system 2 has review information (see FIG. 2). The review information is a review in which a customer evaluates Company A (in this example, an accommodation facility). The review information has information items such as a customer ID, evaluation date, evaluation score, and review content.

[0056] FIG. 12 is a diagram illustrating an example of the format of complaint information, which is data within the linkage system according to this embodiment.

[0057] The accommodation management system 23 included in the linked system 2 has complaint information (see FIG. 2). The complaint information is a complaint made by a customer evaluating Company A (in this example, an accommodation facility). The complaint information includes information items such as customer ID, evaluation date, evaluation score, and complaint content.

[0058] FIG. 13 is a diagram illustrating a list of management items of data in the linked system according to this embodiment.

[0059] As shown in the figure, the list of management items includes, as information items, a table name indicating which information is contained in the data in the linked system, the management item, and the data type of the management item.

[0060] FIG. 14 is a diagram illustrating an example of the association between evaluation items and linked evaluation items according to this embodiment.

[0061] The evaluation items have been sorted by the number of times they appear (see step St208 in FIG. 7). The evaluation criteria creation unit 13 associates the management items of the data in the linked system (linked evaluation items) with these sorted evaluation items (St303). For example, the evaluation criteria creation unit 13 associates the linked evaluation items "Accommodation management information: number of stays," "Payment management information: delinquency rate," and "Review information: evaluation points" with the evaluation item "Can I do business with confidence?"

[0062] The evaluation criteria creation unit 13 sets the importance of the linked evaluation item according to the strength of the association between the linked evaluation item and the evaluation item (Step 304). For example, the evaluation criteria creation unit 13 sets the importance of the linked evaluation item "Accommodation management information: number of stays" to 3, the importance of the linked evaluation item "Payment management information: delinquency rate" to 2, and the importance of the linked evaluation item "Review information: evaluation score" to 1, according to the strength of the association with the evaluation item "Can I do business with confidence?"

[0063] The evaluation criteria creation unit 13 defines an evaluation method for the linked evaluation item (St305). For example, for the evaluation item "Can we do business with confidence?", if the linked evaluation item is "accommodation management information: number of stays," the evaluation method is defined as "more is better" because it is considered that a higher number of stays will result in a more confident transaction. For the linked evaluation item "payment management information: delinquency rate," the evaluation method is defined as "smaller is better" because it is considered that a lower delinquency rate will result in a more confident transaction. For the linked evaluation item "review information: rating score," for example, the median rating score of 3 is considered not to be sufficiently reliable for business, so the evaluation method is defined as "it is better to have many reviews with a rating score of 4 or more." Note that these definitions may be made on a rule-based basis.

[0064] The evaluation criteria creation unit 13 sets upper and lower limit values ​​for the linked evaluation items (St306). For example, the upper limit value may be the average value of the linked evaluation items plus the standard deviation. The lower limit value may be the average value of the linked evaluation items minus the standard deviation. That is, as follows: Upper limit = mean + standard deviation Lower limit = mean - standard deviation

[0065] The evaluation criteria creation unit 13 sets the management items of the data in the linked system corresponding to the evaluation items as linked evaluation items, and determines the thresholds of the linked evaluation items based on the standard deviation of the values ​​of the linked evaluation items (see steps St303 to St306). The above-mentioned upper and lower limit values ​​are examples of thresholds. The thresholds may also be thresholds based on the definition of a calculation formula different from the above-mentioned upper and lower limit values. Then, as will be described later based on FIG. 15, the linked evaluation information creation unit 14 evaluates information about the borrower for the linked evaluation items using the above-mentioned thresholds, and calculates the evaluation results of the evaluation items based on the evaluation results for the linked evaluation items.

[0066] Furthermore, in this example, the evaluation of the borrower is described, but the evaluation of the lender who is the other party in the intermediation may also be processed in the same manner as the evaluation of the borrower.

[0067] FIG. 15 is a flowchart illustrating the collaboration evaluation information creation process according to this embodiment.

[0068] In this example, a process for evaluating each customer driver using data in a linked system when providing a car sharing service is illustrated.

[0069] The linked evaluation information creating unit 14 reads all records of the driver information (St401).

[0070] The collaboration evaluation information creating unit 14 repeats the processes from step St403 to step St407 for all the drivers (St402).

[0071] The linked evaluation information creating unit 14 repeats the processes from step St404 to step St407 for the number of evaluation items of the driver (St403).

[0072] The linkage evaluation information creating unit 14 repeats the process from step St405 to step St406 for the linkage evaluation items corresponding to the evaluation item (St404).

[0073] The collaboration evaluation information creating unit 14 refers to the data in the collaboration system and calculates the actual data of the collaboration evaluation items (St405).

[0074] The collaboration evaluation information creating unit 14 determines the individual evaluation values ​​of the collaboration evaluation items (St406).

[0075] In step St407, the linked evaluation information creation unit 14 calculates a comprehensive evaluation value for the evaluation items. The comprehensive evaluation value may be, for example, a weighted average. Note that although the driver evaluation method has been described here, the owner evaluation can also be performed in a similar manner.

[0076] FIG. 16 is a diagram illustrating an example of the format of the driver information according to this embodiment.

[0077] The driver information includes the driver ID, customer ID, name, and phone number as information items. The driver ID and customer ID are managed in association with each other.

[0078] FIG. 17 is a diagram illustrating an example of the format of the collaboration evaluation information created by the collaboration evaluation information creation process according to this embodiment.

[0079] Each evaluation item of the driver ID is associated with one or more linked evaluation items. The actual data of the linked evaluation items (see step St405) and the individual evaluation values ​​(see step St406) are added to the linked evaluation information. In addition, for each evaluation item, a comprehensive evaluation value (see step St407) is added to the linked evaluation information.

[0080] The above description has been given using an example of a car sharing service in which a customer rents a car as a driver. However, a service incorporating the intermediation system of the present disclosure may have other service content. For example, the lender of the item to be rented (the owner in the case of a car) may be either an employee or a customer. The borrower of the item to be rented (the driver in the case of a car) may be either a customer or an employee.

[0081] (Suggestion of matching candidates) The intermediary system is a system that mediates the lending and borrowing of goods, etc. Therefore, it may have a function of matching lenders and borrowers.

[0082] FIG. 18 is a flowchart illustrating a matching candidate presentation process according to this embodiment.

[0083] The request presenting unit 15 extracts candidates for a matching partner of the user (St501). For example, if the lender is the user, the matching partner is the borrower, and if the borrower is the user, the matching partner is the lender.

[0084] The request presentation unit 15 adds the internal evaluation information and collaboration evaluation information of each matching candidate and presents them to the user (St502). At this time, the collaboration evaluation information may be presented as individual evaluation values, or as a comprehensive evaluation value calculated by a weighted average of the individual evaluation values. Alternatively, both the individual evaluation values ​​and the comprehensive evaluation value may be presented. Note that presenting to the user may mean presenting to a device managed by the user. In this example, sending information to the user terminal 4 corresponds to presenting to the user.

[0085] In addition, in the above-mentioned step St501, the request presentation unit 15 may estimate the lending time period of the lender or the borrowing time period of the borrower for the item to be mediated (e.g., an automobile), and use the estimated time period to extract candidates.

[0086] FIG. 19 is a sequence diagram illustrating a process for matching a borrower and a lender according to this embodiment.

[0087] A first user who is the borrower manages the borrower's user terminal 4a. A second user who is the lender manages the lender's user terminal 4b. A third user who is the lender manages the lender's user terminal 4c. Note that below and in FIG. 19, the borrower's user terminal will be referred to as the borrower terminal, and the lender's user terminal will be referred to as the lender terminal.

[0088] The intermediary system 1 acquires rental information from the lender terminal 4b and the lender terminal 4c (St601, St602), respectively, and registers it in a database or the like (St603). The rental information includes information indicating the item and the conditions for renting the item. This information includes the type of item (for example, the model of an automobile), the date and time when the item can be rented, etc.

[0089] The intermediary system 1 then receives a search request from the borrower terminal 4a (Step 604). The search request includes condition information indicating the conditions for borrowing the item. For example, the condition information includes the desired date and time of borrowing the item, the type (for example, the model of a car), and the minimum rating of the lender.

[0090] The intermediary system 1 performs a conditional search based on the conditions specified in the acquired condition information (Step 605). In this example, lenders that meet the conditions are extracted from a database or the like. This conditional search process is implemented in a general matching service, so a detailed explanation will be omitted. In this example, it is assumed that the lender on lender terminal 4b meets the conditions.

[0091] The intermediary system 1 creates evaluation information for the borrower and the lender who meets the conditions (Step 606). This evaluation information may be created by the process already described above. In this example, evaluation information is created by evaluating the borrower who manages the borrower terminal 4a, and evaluation information is created by evaluating the lender who manages the lender terminal 4b who meets the conditions.

[0092] In this example, we show a case where there is only one lender who meets the conditions. However, the number of people who meet the conditions may be more than one, and the number of people who meet the conditions will vary depending on the conditions presented by the borrower and the attributes and distribution of lender users who are registered as users of the intermediary system 1.

[0093] The intermediary system 1 transmits a list of vehicles available for rent to the borrower terminal 4a (Step St607). The list of vehicles available for rent includes information on lenders that meet the conditions. The information on the lenders includes the evaluation information on the lenders created in Step St606.

[0094] The borrower views the list of available vehicles and the evaluation information of the lenders of each vehicle displayed on the borrower terminal, and operates the borrower terminal to express their intention to request a transaction with one of the lenders. This expression of intention may be made, for example, by tapping a "Request a Transaction" button displayed on the borrower terminal. In this example, the borrower who manages the borrower terminal 4a expresses their intention to request a transaction with a lender who they believe is willing to do business with. In this case, the borrower terminal 4a transmits information indicating the transaction request to the brokerage system 1 (St608).

[0095] The intermediary system 1 adds the evaluation information about the borrower created in step St606 to the transaction request received from the borrower terminal, and transmits the request to the lender terminal 4b (St609).

[0096] The lender views the borrower's evaluation information displayed on the lender terminal and operates the lender terminal to express their willingness to transact with the borrower. This expression of willingness may be made, for example, by tapping a "Transaction" button displayed on the lender terminal. In this example, if the lender managing lender terminal 4b thinks that the lender is willing to transact with the borrower, he or she expresses his or her willingness to transact. In this case, lender terminal 4b transmits information indicating the transaction approval to intermediary system 1 (St610).

[0097] The intermediary system 1 transmits the transaction confirmation from the lender terminal to the borrower terminal (St611). This forms an agreement between the lender and borrower, and the transaction is concluded.

[0098] FIG. 20 is a diagram illustrating an example of the format of employee management information according to this embodiment.

[0099] As an example, employee management information (see FIG. 2) includes the following information items: employee ID, name, department, years of service, absenteeism rate, tardiness rate, and shift information.

[0100] As shown in FIG. 2, the collaboration system 2 includes an employee management system 21. The employee management system 21 may be a system for managing employees in a specific organization. The data within the collaboration system includes affiliation information that indicates the department to which the employee belongs in the organization. In the employee management information shown in FIG. 20, the information item "affiliation" corresponds to the affiliation information.

[0101] The borrower's search request (see step St604) can specify a condition related to the department of the lender's organization. The request presentation unit 15 presents the borrower with a list of items from the lender that meet the conditions of the department specified by the borrower (see step St607).

[0102] The collaboration system 2 includes an employee management system 21. The employee management system 21 may be a system that manages the work schedules of employees in a particular organization.

[0103] The request presenting unit 15 estimates the available rental time of the lender's item (e.g., a car) based on the work schedule of the lender, and presents to the borrower a list of the lender's items whose available rental time falls within the borrower's desired rental time (step St607). Note that the request presenting unit 15 may estimate the available rental time based on the information item "shift information" in the employee management information shown in Fig. 20. For example, it can be estimated that the car of an employee (lender) who commutes to a lodging facility by car can be rented to someone during the employee's working hours.

[0104] The above-described embodiments of the present invention are examples for explaining the present invention and are not intended to limit the scope of the present invention to only these embodiments. Those skilled in the art can implement the present invention in various other forms without departing from the scope of the present invention. Furthermore, the technical scope of the above-described embodiments includes the matters set forth in the following supplementary notes. However, the present invention is not limited to the following supplementary notes.

[0105] (Appendix 1) An intermediary system that mediates the lending and borrowing of goods, an internal system evaluation data storage unit that stores internal system evaluation data including an evaluation comment made by a post-transaction lender, who is the lender of the loan, after the loan transaction, to evaluate a post-transaction borrower, who is the borrower of the loan; a data acquisition unit in a linked system that acquires data in the linked system, including information about the borrower, from a linked system that is another information system that cooperates with the intermediary system; an evaluation criteria creation unit that generates evaluation items for evaluating borrowers based on the evaluation comments in the evaluation data within the system; a linkage evaluation information creation unit that, when a borrower submits a transaction request, extracts information about the borrower from the data in the linkage system, evaluates the information on the evaluation items, and creates linkage evaluation information based on the evaluation results; a request submission unit that extracts evaluation comments for the borrower from the evaluation data within the system and submits a transaction request including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information to a lender of the item designated by the borrower; It has. This limits transactions to those with connections in a linked system linked to the intermediary system, and provides the lender with an evaluation of the borrower in the linked system, making it possible to mediate the lending and borrowing of goods with a reduced psychological burden during transactions.

[0106] (Appendix 2) In the intermediation system of Appendix 1, The internal system evaluation data storage unit stores an evaluation comment made by the post-transaction borrower to evaluate the post-transaction lender in the internal system evaluation data, and The data acquisition unit in the linked system acquires the data in the linked system, including information about the lender, from the linked system; The evaluation criteria creation unit further generates evaluation items for evaluating lenders based on the evaluation comments of the evaluation data within the system; the linked evaluation information creation unit generates linked evaluation information based on evaluation results for the evaluation items related to lenders of items that satisfy the conditions specified by the borrower; The request presentation unit extracts evaluation comments for the lender from the evaluation data within the system, and presents to the borrower a list of items available for loan, including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information. This allows the borrower to be provided with an evaluation of the lender in the linked system, making it possible to mediate the lending and borrowing of goods with reduced psychological burden during the transaction.

[0107] (Appendix 3) In the intermediation system of Appendix 1, The in-system evaluation data further includes an evaluation score corresponding to the evaluation comment, The evaluation criterion creation unit extracts partial text with positive expressions from evaluation comments with evaluation scores above the median, and / or extracts partial text with negative expressions from evaluation comments with evaluation scores below the median, and creates the evaluation items based on the partial text. This allows evaluation items to be created by focusing on positive and negative expressions, making it possible to create evaluation items for deciding who to lend or borrow from information obtained from a linked system that is not involved in the lending or borrowing of items.

[0108] (Appendix 4) In the intermediation system of Appendix 3, the evaluation criteria creation unit determines a management item of the data in the collaboration system corresponding to the evaluation item as a collaboration evaluation item, and determines a threshold value of the collaboration evaluation item based on a standard deviation of values ​​of the collaboration evaluation item; The linked evaluation information creation unit evaluates information about the borrower for the linked evaluation items using the thresholds, and calculates evaluation results for the evaluation items based on the evaluation results for the linked evaluation items.

[0109] (Appendix 5) In the intermediation system of Appendix 4, The evaluation criterion creation unit determines, as the threshold values, an upper limit value obtained by adding a standard deviation to the average value of the linked evaluation item and a lower limit value obtained by subtracting the standard deviation from the average value.

[0110] By associating evaluation items with management items in the linked system, it becomes possible to evaluate the lender / borrower using threshold values ​​based on information obtained from the linked system that is not involved in the lending / borrowing of items.

[0111] (Appendix 6) In the intermediation system of Appendix 1, The item is a vehicle owned by the lessor. It will be possible to mediate car sharing between individuals, reducing the psychological burden of the transaction.

[0112] (Appendix 7) In the intermediation system of Appendix 2, the collaboration system includes an employee management system for managing employees in a specific organization; the data in the collaboration system includes affiliation information indicating the department to which the employee belongs in the organization; The borrower's transaction request may specify a condition regarding the lender's department within the organization; The request submission unit submits a transaction request to a lender that meets the conditions of the department designated by the borrower. This allows lenders to be narrowed down by department before submitting a transaction request. For example, a borrower can select a borrower from a nearby department, or a borrower from a distant department to maintain anonymity.

[0113] (Appendix 8) In the intermediation system of Appendix 6, The collaboration system includes an employee management system that manages work schedules of employees in a specific organization, The request submission unit estimates the lender's available rental time for the car based on the work schedule of the lender, and submits a transaction request to lenders whose desired rental time is included in the available rental time. This allows the available lending time to be estimated from the lender's work schedule, and lenders to be narrowed down based on the available lending time before submitting a transaction request.

[0114] (Appendix 9) The intermediation method for mediating the lending and borrowing of goods using an intermediation system (hereinafter referred to as "our system") is as follows: The computer After the lending / borrowing transaction, store evaluation data in your own system including an evaluation comment made by the lender, who is the lender of the lending / borrowing, on the borrower, who is the borrower of the lending / borrowing, Acquire data in a linked system, which is another information system linked with the intermediary system, including information about the borrower; generating evaluation items for evaluating borrowers based on the evaluation comments in the evaluation data within the system; When a borrower submits a transaction request, information about the borrower is extracted from the data in the linked system, evaluated for the evaluation items, and linked evaluation information is created based on the evaluation results; Evaluation comments for the borrower are extracted from the evaluation data within the system, and a transaction request including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information is presented to the lender of the item specified by the borrower. This limits transactions to those with connections in a linked system linked to the intermediary system, and provides the lender with an evaluation of the borrower in the linked system, making it possible to mediate the lending and borrowing of goods with a reduced psychological burden during transactions. [Explanation of symbols]

[0115] 1...intermediation system, 11...evaluation data storage unit within own system, 12...data acquisition unit within linked system, 13...evaluation criteria creation unit, 14...linked evaluation information creation unit, 15...requirement presentation unit, 2...linked system, 21...employee management system, 22...management system, 23...accommodation management system, 3...communication network, 4...user terminal, 100...sharing system

Claims

1. An intermediation system (hereinafter referred to as "the system") that mediates the lending and borrowing of goods, an internal system evaluation data storage unit that stores internal system evaluation data including an evaluation comment made by a post-transaction lender, who is the lender of the loan, after the loan transaction, to evaluate a post-transaction borrower, who is the borrower of the loan; a data acquisition unit in a linked system that acquires data in the linked system, including information about the borrower, from a linked system that is another information system that cooperates with the intermediary system; an evaluation criteria creation unit that generates evaluation items for evaluating borrowers based on the evaluation comments in the evaluation data within the system; a linkage evaluation information creation unit that, when a borrower submits a transaction request, extracts information about the borrower from the data in the linkage system, evaluates the information on the evaluation items, and creates linkage evaluation information based on the evaluation results; a request submission unit that extracts evaluation comments for the borrower from the evaluation data within the system and submits a transaction request including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information to a lender of the item designated by the borrower; An intermediation system having:

2. The internal system evaluation data storage unit stores an evaluation comment made by the post-transaction borrower to evaluate the post-transaction lender in the internal system evaluation data, and The data acquisition unit in the linked system acquires the data in the linked system, including information about the lender, from the linked system; The evaluation criteria creation unit further generates evaluation items for evaluating lenders based on the evaluation comments of the evaluation data within the system; the linked evaluation information creation unit generates linked evaluation information based on evaluation results for the evaluation items related to lenders of items that satisfy the conditions specified by the borrower; The request presentation unit extracts evaluation comments on the lender from the evaluation data within the local system, and presents to the borrower a list of lendable items including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information. The intermediation system of claim 1 .

3. The in-system evaluation data further includes an evaluation score corresponding to the evaluation comment, the evaluation criterion creation unit extracts partial texts with positive expressions from evaluation comments with evaluation scores equal to or greater than the median, and / or extracts partial texts with negative expressions from evaluation comments with evaluation scores equal to or less than the median, and creates the evaluation items based on the partial texts. The intermediation system of claim 1 .

4. the evaluation criteria creation unit determines a management item of the data in the collaboration system corresponding to the evaluation item as a collaboration evaluation item, and determines a threshold value of the collaboration evaluation item based on a standard deviation of values ​​of the collaboration evaluation item; the linked evaluation information creation unit evaluates the information about the borrower for the linked evaluation items using the thresholds, and calculates evaluation results for the evaluation items based on the evaluation results for the linked evaluation items; The intermediation system according to claim 3 .

5. the evaluation criterion creation unit determines, as the thresholds, an upper limit value obtained by adding a standard deviation to an average value of the linked evaluation items and a lower limit value obtained by subtracting the standard deviation from the average value; The intermediation system according to claim 4 .

6. the item is a motor vehicle owned by the lessor; The intermediation system of claim 1 .

7. the collaboration system includes an employee management system for managing employees in a specific organization; the data in the collaboration system includes affiliation information indicating the department to which the employee belongs in the organization; The borrower's transaction request may specify a condition regarding the lender's department within the organization; the request submission unit submits a transaction request to a lender that satisfies the conditions of the department designated by the borrower; The intermediation system according to claim 2 .

8. The collaboration system includes an employee management system that manages work schedules of employees in a specific organization, the request submission unit estimates the time when the car is available for rental by the lender based on the work schedule of the lender, and submits a transaction request to a lender whose desired time for rental by the borrower is included in the available rental time; The intermediation system according to claim 6 .

9. An intermediation method for intermediating the lending and borrowing of goods using an intermediation system, comprising: The computer After the lending / borrowing transaction, store evaluation data in your own system including an evaluation comment made by the lender, who is the lender of the lending / borrowing, on the borrower, who is the borrower of the lending / borrowing, Acquire data in a linked system, which is another information system linked with the intermediary system, including information about the borrower; generating evaluation items for evaluating borrowers based on the evaluation comments in the evaluation data within the system; When a borrower submits a transaction request, information about the borrower is extracted from the data in the linked system, evaluated for the evaluation items, and linked evaluation information is created based on the evaluation results; extracting evaluation comments on the borrower from the evaluation data within the system, and submitting a transaction request including internal evaluation information based on the evaluation comments and provided evaluation information based on the linked evaluation information to the lender of the item designated by the borrower; A mediation method for carrying out this task.

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