Program, information processing method, and information processing apparatus.

A program quantifies a user's recovery potential by evaluating their actions and responses during events, addressing the lack of recovery quantification in existing credit scoring systems.

JP7864919B1Active Publication Date: 2026-05-25佐瀧 進也
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Patent Information

Authority / Receiving Office
JP · JP
Patent Type
Patents
Current Assignee / Owner
佐瀧 進也
Filing Date
2025-10-20
Publication Date
2026-05-25

AI Technical Summary

Technical Problem

Existing systems fail to quantify a user's ability to recover from failures and losses, which is crucial for credit scoring and other applications.

Method used

A program that determines whether an event involving user judgment or intention has occurred, acquires an action log, and calculates an index (SRY) evaluating the user's recovery potential based on predefined conditions.

Benefits of technology

Quantifies the user's ability to recover from failures, providing a more comprehensive credit scoring system.

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Abstract

Quantifying the ability to recover. [Solution] The information processing device 10 determines whether an event has occurred that matches an event in which a user has made a decision or expressed an intention that involves judgment or responsibility, acquires an action log regarding the user's correction or response when the event occurs, determines whether the event has met a pre-set termination condition, and outputs an index SRY that evaluates the user's correction or response based on the action log when the termination condition is met.
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Description

Technical Field

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[0001] The present invention relates to a program, an information processing method, and an information processing apparatus.

Background Art

[0002] A technique for quantifying a user's credit is known. For example, an information processing terminal used by a first user is caused to execute a process of transmitting first content including the user's face to an information processing apparatus, a process of receiving information on a credit score of the user specified based on the first content, and a process of displaying second content obtained by processing the first content based on the received credit score information. Each user can set whether to display their own credit score. When the display of the credit score regarding the user displayed in the first content is set to be unavailable, information related to the credit score associated with the user is not displayed in the second content, and the second content is content in which a graph created by adjusting the area of a region corresponding to each parameter of the credit score according to the parameter is displayed near the face of the user in the first content. An information processing program is known.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] If the ability to recover even in the face of failures and losses can be quantified, it can be used for the person's credit score and the like, which is convenient. In one aspect, the present invention aims to quantify the ability to recover.

Means for Solving the Problems

[0005] To achieve the above objectives, a disclosure program is provided. This program causes a computer to perform the following processes: determine whether an event has occurred that matches a pre-stored event in which the user has made a judgment or expressed an intention involving responsibility; acquire an action log regarding the user's correction or response when the event occurs; determine whether the event has met a pre-set termination condition; and, when the termination condition is met, output an index that evaluates the user's correction or response based on the action log. [Effects of the Invention]

[0006] In one aspect, the ability to recover can be quantified. [Brief explanation of the drawing]

[0007] [Figure 1] This diagram shows the hardware configuration of the information processing device according to the embodiment. [Figure 2] This is a block diagram showing the functions of the information processing device according to the embodiment. [Figure 3] This is a flowchart illustrating the processing of the information processing device according to the embodiment. [Modes for carrying out the invention]

[0008] The information processing device of this embodiment will be described in detail below with reference to the drawings.

[0009] The positions, sizes, shapes, and ranges of the components shown in the following drawings may not represent their actual positions, sizes, shapes, and ranges in order to facilitate understanding of the invention. Therefore, the present invention is not necessarily limited to the positions, sizes, shapes, and ranges disclosed in the drawings. In the embodiments, elements expressed in the singular form shall include the plural form unless otherwise clearly indicated in the text. <Embodiment> Figure 1 is a diagram showing the hardware configuration of the information processing device according to the embodiment.

[0010] The information processing device (computer) 10 of this embodiment is a device that generates credit records triggered by a pledge event and records non-monetary credit that is not linked to quantity, balance, or price.

[0011] This information processing device 10 is controlled as a whole by a CPU (Central Processing Unit) 101. The CPU 101 is connected to a RAM (Random Access Memory) 102 and several peripheral devices via a bus 110.

[0012] RAM 102 is used as the main memory of the information processing device 10. At least a portion of the OS (Operating System) program and application programs to be executed by the CPU 101 are temporarily stored in RAM 102. In addition, various data used for processing by the CPU 101 are stored in RAM 102.

[0013] Bus 110 is connected to a hard disk drive (HDD) 103, a graphics processing unit 104, an input interface 105, a drive unit 106, a camera 107, a microphone 108, and a communication interface 109.

[0014] The hard disk drive 103 magnetically writes and reads data from its internal disk. The hard disk drive 103 is used as a secondary storage device for the information processing device 10. The hard disk drive 103 stores the OS program, application programs, and various data. Alternatively, a semiconductor storage device such as flash memory can be used as the secondary storage device.

[0015] A monitor 104a is connected to the graphics processing unit 104. The graphics processing unit 104 displays images on the screen of the monitor 104a according to instructions from the CPU 101. Examples of monitors 104a include CRT (Cathode Ray Tube) displays and liquid crystal displays.

[0016] The input interface 105 is connected to a keyboard 105a and a mouse 105b. The input interface 105 transmits signals sent from the keyboard 105a or the mouse 105b to the CPU 101. Note that the mouse 105b is an example of a pointing device, and other pointing devices can also be used. Examples of other pointing devices include a touch panel, a tablet, a touch pad, a trackball, etc.

[0017] The drive device 106 reads data recorded on a recording medium such as an optical disk on which data is recorded so as to be readable by light reflection, or a portable recording medium such as a USB (Universal Serial Bus) memory. For example, when the drive device 106 is an optical drive device, it reads data recorded on the optical disk 200 using a laser beam or the like. Examples of the optical disk 200 include Blu-ray (registered trademark), DVD (Digital Versatile Disc), DVD-RAM, CD-ROM (Compact Disc Read Only Memory), CD-R (Recordable) / RW (ReWritable), etc. The camera 107 is attached to the monitor 104a. The camera 107 images the user's face or the like. The microphone 108 collects the user's speech or the like.

[0018] The communication interface 109 is connected to the network 50. The communication interface 109 transmits and receives data to and from other computers or communication devices via the network 50. With the above hardware configuration, the processing functions of the present embodiment can be realized. In the information processing apparatus 10 having the hardware configuration as shown in FIG. 1, the following functions are provided. FIG. 2 is a block diagram showing the functions of the information processing apparatus according to the embodiment. The information processing apparatus 10 includes a data processing unit 11, a requirement storage unit 12, and a log storage unit 13.

[0019] The data processing unit 11 determines whether an event (described later) that matches an event in which the user makes a will expression involving judgment and responsibility and is stored in the requirement storage unit 12 in advance has occurred. In addition, when an event occurs, the data processing unit 11 acquires an action log regarding the user's modification and response, and stores it in the log storage unit 13. Further, the data processing unit 11 determines whether the event satisfies a preset goal condition, and calculates and outputs an index (SRY) for evaluating the user's modification and response based on the action log when the goal condition is satisfied. The requirement storage unit 12 stores an event and requirements that can determine that the event has occurred.

[0020] Examples of the event include determination of investment judgment, explicit expression of contract intention, etc. Examples of the occurrence requirements of the event include, for example, click / tap / drag operations of the pointer of the mouse 105b, arrow key + confirmation operations of the keyboard 105a, reception operations of voices uttered by the user collected by the microphone 108, line-of-sight movement of the user imaged by the camera 07, switch operations in a predetermined machine, and various events such as other business events.

[0021] In this embodiment, the user's input means is abstracted and logged in a unified manner as coordinates (x, y) / quadrants. On the xy coordinates, there are four quadrants from the first quadrant to the fourth quadrant. For example, when any one of the above events occurs, the data processing unit 11 can recognize it as a movement event from the first quadrant to the second quadrant. The data processing unit 11 records the change in the position of the coordinates. In addition, the data processing unit 11 records "which quadrants have been passed through" along the time series. The user (or a third party) can roughly grasp what judgment the user has made by viewing this record. In the following description, this process is referred to as "MAP (mapping) process".

[0022] Furthermore, the requirements storage unit 12 stores the requirements that indicate a checkpoint (CP) has been passed. A checkpoint is a state confirmation point on the MAP. Examples of checkpoint passing requirements include, for example, a switch being pressed twice in quick succession, the user's gaze being fixed for 1.5 seconds, or the microphone 108 picking up the user saying "confirmed." Thus, checkpoints can be either automatically acquired by the data processing unit 11 based on the user's actions or intentionally acquired by the user. Furthermore, the requirements storage unit 12 stores requirements that can be determined to have been modified by the user.

[0023] Examples of correction requirements include actions such as changing the volatility coefficient from 0.25 to 0.30, or realizing an input error midway through and "correcting the conditions."

[0024] In the following explanation, the process performed based on the correction requirements will be referred to as "DIU (Disruption Insertion Unit) processing." The event that occurs as a result of fulfilling the correction requirements will be referred to as a "correction event."

[0025] Furthermore, the requirements storage unit 12 stores requirements (immediate response requirements) that indicate a user has taken an immediate action. Examples of immediate response requirements include situations where, for example, the policy interest rate rises from 0.25% to 0.50% or the stock price breaks through a specified line while the user is trading stocks. In such cases, an example would be the user pressing the "sell" button to indicate their intention to sell their physical shares within 500ms.

[0026] In the following explanation, processes performed based on immediate response requirements are referred to as "RTR (Real-Time Review) processes." Events that occur as a result of meeting immediate response requirements are referred to as "immediate response events." Furthermore, the requirements storage unit 12 stores events (EXIT events) that indicate the end of an action cycle or decision process.

[0027] The log storage unit 13 stores the position changes (state log) of coordinates obtained through MAP processing. The log storage unit 13 also stores the number of corrections and the timing of corrections (action log) obtained through DIU processing. The number of corrections is increased by 1 if the user performs a correction operation during a correction event. Furthermore, the log storage unit 13 stores the correction success rate obtained through the DIU process (number of correction events actually performed by the user / total number of correction events).

[0028] Furthermore, the log storage unit 13 stores the reaction time (action log) from the change in conditions obtained through RTR processing to the operation, and whether the reaction time is below a threshold ("immediate response") or above the threshold ("delayed response"). The log storage unit also stores the number of immediate responses + 1 for each "immediate response". In addition, the log storage unit 13 stores the immediate response rate (number of immediate response events counted as "immediate response" / total number of immediate response events). Figure 3 is a flowchart illustrating the processing of the information processing apparatus according to the embodiment.

[0029] [Step S1] The data processing unit 11 determines whether or not an event has occurred. If it determines that an event has occurred (Yes in Step S1), it proceeds to Step S2. If it determines that an event has not occurred (No in Step S1), it waits for an event to occur. [Step S2] The data processing unit 11 stores the action log and the status log.

[0030] [Step S3] The data processing unit 11 determines whether or not an EXIT event has occurred. If it determines that an EXIT event has occurred (Yes in Step S3), it proceeds to Step S5. If it determines that an EXIT event has not occurred (No in Step S3), it proceeds to Step S4.

[0031] [Step S4] The data processing unit 11 determines whether an error has occurred. If an error has occurred (Yes in Step S4), the process proceeds to Step S5. If no error has occurred (No in Step S4), the process proceeds to Step S2 and continues with the processing from Step S2 onward. Errors include system failures, communication disconnections, forced interruptions by the user (such as cancellation actions), and safety termination before DIU / RTR is completed. [Step S5] The data processing unit 11 calculates SRY and displays it on the monitor 104a. After that, the process shown in Figure 3 is terminated.

[0032] Here, SRY can be expressed as \frac{DIU+RTR+EXIT}{MAP+DIU+RTR+EXIT+ERR}. Note that this formula is just one example, and the index is not limited to the above formula.

[0033] In the above formula, MAP is the number of checkpoint passes + the number of quadrant transitions. DIU is the number of corrections. RTR is the number of immediate responses. EXIT is "1" when the EXIT event is reached, and "0" when the EXIT event is not reached. ERR is "+1" when an error occurs, and "0" when no error occurs. For example, if MAP=3, DIU=2, RTR=3, EXIT=1, ERR=1, then SRY=0.6.

[0034] As described above, the information processing device 10 of this embodiment determines whether an event has occurred that matches an event in which a user has made a decision or expressed an intention that involves judgment or responsibility, acquires an action log regarding the user's correction or response when the event occurs, determines whether the event has met a pre-set termination condition, and outputs an index SRY that evaluates the user's correction or response based on the action log when the termination condition is met.

[0035] Therefore, instead of simply assigning an action score, a system that adds points for correction, immediate response, and completion, and deducts points for failure, can quantify the "ability to recover from failure (recovery potential)."

[0036] In this embodiment, SRY is calculated and displayed on the monitor 104a. However, other logs stored in the log storage unit 13, such as correction success rate and response rate, may also be displayed on the monitor 104a.

[0037] Furthermore, the processing performed by the information processing device 10 may be distributed among multiple devices. For example, one device may store the action log and the status log, while other devices may use the action log and the status log to calculate SRY.

[0038] Although the program, information processing method, and information processing apparatus of the present invention have been described above based on the illustrated embodiments, the present invention is not limited thereto, and the configuration of each part can be replaced with any configuration having a similar function. Furthermore, other arbitrary components or processes may be added to the present invention. Furthermore, the present invention may be a combination of any two or more configurations (features) from the embodiments described above.

[0039] The above processing functions can be implemented by a computer. In this case, a program describing the processing content of the functions of the information processing device 10 is provided. By executing this program on a computer, the above processing functions are implemented on the computer. The program describing the processing content can be recorded on a computer-readable recording medium. Examples of computer-readable recording media include magnetic storage devices, optical discs, magneto-optical recording media, and semiconductor memory. Examples of magnetic storage devices include hard disk drives, flexible disks (FDs), and magnetic tapes. Examples of optical discs include DVDs, DVD-RAMs, and CD-ROMs / RWs. Examples of magneto-optical recording media include MOs (Magneto-Optical disks).

[0040] When distributing a program, portable recording media such as DVDs or CD-ROMs containing the program are sold. Alternatively, the program can be stored on the storage device of a server computer and transferred from the server computer to other computers via a network.

[0041] A computer executing a program stores programs, for example, those recorded on a portable storage medium or transferred from a server computer, in its own memory. The computer then reads the program from its memory and executes the processing according to the program. Alternatively, the computer can directly read the program from the portable storage medium and execute the processing according to that program. Furthermore, the computer can sequentially execute the processing according to the programs received from a server computer connected via a network, each time a program is transferred.

[0042] Furthermore, at least some of the above processing functions can be implemented using electronic circuits such as DSPs (Digital Signal Processors), ASICs (Application Specific Integrated Circuits), and PLDs (Programmable Logic Devices). [Explanation of symbols]

[0043] 10 Information Processing Devices 11 Data Processing Unit 12 Requirements storage 13 Log storage unit

Claims

1. On the computer, The system determines whether an event has occurred that matches an event in which a user has made a decision and taken responsibility, based on information previously stored in the system. When the aforementioned event occurs, a state log recorded as a change in two-dimensional coordinates or a transition in quadrant is acquired, and action logs regarding user corrections and immediate responses based on that judgment are acquired. The system determines whether the series of actions related to the aforementioned judgment has ended due to the occurrence of an event indicating termination or the occurrence of an error. If the termination is achieved, an index indicating the user's likelihood of recovery is calculated and output based on the status log, the action log related to the correction, the action log related to the immediate response, the presence or absence of the event indicating the termination, and the presence or absence of the error, by adding points for the user's correction, immediate response, and the occurrence of the event indicating the termination, and subtracting points for the occurrence of the error. A program characterized by executing a process.

2. The program according to claim 1, wherein the index is SRY.

3. A computer, The system determines whether an event has occurred that matches an event in which a user has made a decision and taken responsibility, based on information previously stored in the system. When the aforementioned event occurs, a state log recorded as a change in two-dimensional coordinates or a transition in quadrant is acquired, and action logs regarding user corrections and immediate responses based on that judgment are acquired. The system determines whether the series of actions related to the aforementioned judgment has ended due to the occurrence of an event indicating termination or the occurrence of an error. If the termination is achieved, an index indicating the user's likelihood of recovery is calculated and output based on the status log, the action log related to the correction, the action log related to the immediate response, the presence or absence of the event indicating the termination, and the presence or absence of the error, by adding points for the user's correction, immediate response, and the occurrence of the event indicating the termination, and subtracting points for the occurrence of the error. An information processing method characterized by the following:

4. A storage unit that stores events in which a user has made a declaration of intent that involves judgment and responsibility, A processing unit that determines whether an event matching an event stored in the memory unit has occurred, acquires a state log recorded as a change in two-dimensional coordinates or a transition in quadrant when the event occurs, acquires an action log related to the user's correction and an action log related to immediate response based on the determination, determines whether the series of actions related to the determination has ended due to the occurrence of an event indicating completion or an error, and if the completion is established, calculates and outputs an index indicating the user's recoverability by adding points for the user's correction, immediate response and the occurrence of the event indicating completion, and subtracting points for the occurrence of the error, based on the state log, the action log related to the correction, the action log related to immediate response, the presence or absence of the event indicating completion and the presence or absence of the error, An information processing device characterized by having the following features.