Accommodation transaction proposal system

Abstract

A system of the present invention stores accommodation range information for managing KPIs of a plurality of users, parameters associated with the KPIs, and the accommodation range of the parameters, and policy management information for managing policies for improving one or more KPIs. The system determines, for a KPI group which includes a designated KPI and a KPI related to the designated KPI, a policy group for improving the designated KPI and other KPIs in the KPI group by using the accommodation range of the parameters as a constraint, creates a policy combination that includes the determined policy group and satisfies a preset condition, and presents information on the policy combination to a user related to the KPI group.

Description

Loan transaction proposal system Incorporation by Reference

[0001] This application claims priority from Japanese Patent Application No. 2023-196722, filed on November 20, 2023, the contents of which are incorporated herein by reference.

[0002] The present invention relates to the generation of measures to improve KPIs.

[0003] Japanese Patent Application Laid-Open Publication No. 2018-195308 discloses a related art of the present application, which discloses that "the system comprises a module for collecting and merging data from industrial processing units and pre-processing the data to remove outliers and missing data. The system further generates customized outputs from the data to identify important variables that affect a given process performance indicator. The system also builds predictive models for key performance indicators including important features and determines operating points for optimizing the key performance indicators with minimal user intervention. In particular, the system receives input from a user regarding the key performance indicators to be optimized and notifies the user of outputs from various steps in the analysis, which helps the user effectively manage the analysis and make appropriate operating decisions."

[0004] Social issues such as an increase in unpredictable risks and environmental problems are on the rise. In order to maintain the resilience of social infrastructure systems and solve social issues such as carbon neutrality, multiple stakeholders must accommodate their individual circumstances, build mutually cooperative relationships, and aim to improve overall value.

[0005] Although Patent Document 1 discloses a technique for adjusting the parameters of other processes in order to improve the KPI of a specific process, it does not support mutual cooperation between stakeholders. Therefore, a system that supports stakeholders in sharing their individual circumstances and cooperating with each other is desired.

[0006] One aspect of the present invention is a system for proposing a credit transaction, comprising a processor and a memory, wherein the memory stores credit range information for managing KPIs, parameters associated with the KPIs, and credit ranges of the parameters for multiple users, and policy management information for managing policies for improving one or more KPIs, wherein the processor acquires from a user information on a designated KPI to be improved and the credit range of the parameters associated with the designated KPI, and for a KPI group including a KPI related to the designated KPI, determines a group of policies for improving the designated KPI and other KPIs of the KPI group by referring to the policy management information, using the credit range of the parameters associated with the KPIs of the KPI group as a constraint, creates a combination of policies in the group of policies that satisfies predetermined conditions, and presents information on the combination of policies to a user related to the KPI group to obtain a response regarding whether or not the combination of policies is acceptable.

[0007] One aspect of the present invention can support stakeholders in sharing their individual circumstances and cooperating with each other.

[0008] Configurations and effects other than those described above will become apparent from the following description of the embodiments.

[0009] 1 is a block diagram illustrating an example of the configuration of a system according to an embodiment of the present specification. It is a block diagram for explaining the relationship between the processing of modules of an inter-company loan transaction device. It shows an example of a flowchart of a KPI relationship model generation process. It shows an example of the configuration of a KPI and related indicator performance data table. It shows an example of the configuration of a KPI and related indicator relationship analysis table. It shows an example of the configuration of a KPI relationship analysis table. It shows an example of a flowchart of a KPI relationship model generation process. It shows an example of a screen for a user to register the loan range of parameters associated with the KPI. It shows an example of a flowchart of a registration process of a loan target and loan range in the loan target / range specification process. It shows an example of the configuration of a loan range table that manages information on the loan target and loan range. It shows an example of a flowchart of a KPI group creation process. It shows an example of the configuration of a KPI group table. It shows an example of an input screen for a user to generate a loan request. It shows an example of a flowchart of an information acquisition process in the loan target / range specification process. It shows an example of a flowchart of a measure generation process in the loan transaction proposal generation process. It shows an example of the configuration of a measure table. An example flowchart of the policy combination generation process in the loan transaction proposal generation process is shown. An example configuration of a policy combination table is shown. An example configuration of a policy combination KPI overall evaluation table is shown. An example flowchart of the loan transaction negotiation process by the transaction proposal notification / response receiving program is shown. An example screen is shown for presenting to the user the policies corresponding to the user in the policy combination and requesting the user to approve or disapprove the presented policies.

[0010] In the following, when necessary for convenience, the description will be divided into multiple sections or examples, but unless otherwise specified, they are not unrelated to each other, and one is related to the other as a partial or complete modification, detail, supplementary explanation, etc. Furthermore, in the following, when the number of elements, etc. (including the number, numerical value, amount, range, etc.) is mentioned, it is not limited to that specific number, and may be more or less than the specific number, unless otherwise specified or when it is clearly limited in principle to a specific number, etc.

[0011] The system or device in this specification may be a physical computer system (one or more physical computers), or may be a system built on a group of computing resources (plural computing resources) such as a cloud platform. The computer system or group of computing resources may include one or more interface devices (including, for example, a communication device and an input / output device), one or more storage devices (including, for example, a memory (main memory) and an auxiliary storage device), and one or more processing devices.

[0012] When a function is realized by executing a program on a computing device, the defined processing is performed using a storage device and / or an interface device, etc., as appropriate, and therefore the function may be considered to be at least a part of one or more computing devices. Processing described using a function as the subject may also be processing performed by a system including one or more computing devices.

[0013] The program may be installed from a program source. The program source may be, for example, a program distribution computer or a computer-readable storage medium (e.g., a computer-readable non-transitory storage medium). The description of each function is an example, and multiple functions may be combined into one function or one function may be divided into multiple functions.

[0014] 1 is a block diagram showing an example of the configuration of a system according to an embodiment of the present specification. The inter-company loan transaction system 1 includes an inter-company loan transaction device 10 and an external data storage device 15 that is accessed by the inter-company loan transaction device 10 via a network. Companies are stakeholders. Stakeholders refer to interested parties and include not only companies but also any of a variety of groups and organizations.

[0015] The inter-company lending transaction device 10, for example, manages lending transactions of resources or constraints between stakeholders in the system, thereby realizing a more appropriate combination of KPIs in the supply chain.

[0016] The inter-company financing transaction device 10 includes a CPU 101, which is a computing device, a memory 102, which is a main storage device, a communication device 103, and a program storage device 104, which is an auxiliary storage device. The computing device may have any configuration and may include one or more processors (including cores) such as a CPU or a microprocessor.

[0017] The program storage device 104 stores a KPI relationship model generation module 106 , a loan target / scope specification module 107 , a loan transaction proposal generation module 108 , a loan transaction negotiation module 109 , and a data input / output module 110 .

[0018] The KPI relation model generation module 106 includes a KPI relation model generation program 111. The loan target / range specification module 107 includes a loan target / range specification program 112. The loan transaction proposal generation module 108 includes a measure generation program 113 and a measure combination generation program 114. The loan transaction negotiation module 109 includes a transaction proposal notification / response reception program.

[0019] The CPU 101 operates as a specific functional unit by executing processing in accordance with a program stored in the program storage device 104. In the following explanation, processing may be described using the program (including a module) as the subject, but since the program is executed by the CPU 101 to perform a predetermined process while appropriately using storage resources (e.g., memory) and / or interface devices (communication ports), the subject of processing may also be described as the CPU 101 or the inter-company financing transaction device 10 that includes the CPU 101.

[0020] The data storage device 15 stores a database 151. The data storage device 15 is composed of one or more storage devices. Examples of the storage device include a device including a non-volatile storage medium such as a hard disk drive (HDD) or a solid state drive (SSD), and may also be a device including a volatile storage medium such as a dynamic random access memory (DRAM).

[0021] 2 is a block diagram illustrating the relationship between the processing modules of the inter-company loan transaction device 10. The data input / output module 110 executes data input / output processing 205. The data input / output module 110 receives input data from terminal devices 18 of stakeholder companies and transmits output data to the terminal devices 18. While FIG. 2 shows one terminal device 18 as an example, the terminal devices 18 of each stakeholder are connected to the inter-company loan transaction system 1 via a network. The terminal devices 18 may be devices that serve as interfaces for users to input and output data, or may be devices for accessing devices that store stakeholder data.

[0022] The data input / output module 110 communicates with other functional units in the inter-company loan transaction system 1, and transmits and receives necessary data. The data input / output module 110 communicates with the KPI relationship model generation module 106, the loan target / scope identification module 107, the loan transaction proposal generation module 108, and the loan transaction negotiation module 109, and also registers information in the database 151 and reads information therefrom.

[0023] The KPI relation model generation module 106 executes a KPI relation model generation process 201 based on information from a stakeholder (user) received via the data input / output module 110. The KPI relation model generation module 106 stores the generated KPI relation model in the database 151 and passes it to the loan transaction proposal generation module 108.

[0024] The loan transaction plan generation module 108 executes a loan transaction plan generation process 202. The loan transaction plan generation module 108 transmits and receives information to and from the loan target / range specification module 107 and the data input / output module 110. The loan target / range specification module 107 executes a loan target / range specification process 203. The loan target / range specification module 107 transmits and receives information to and from the loan transaction plan generation module 108 and the data input / output module 110. The loan transaction negotiation module 109 executes a loan transaction negotiation process 204. The loan transaction negotiation module 109 transmits and receives information to and from the data input / output module 110.

[0025] First, the generation of the KPI relationship model will be described. The KPI relationship model generation program 111 generates a KPI relationship model in accordance with user input or based on analysis of data entered by the user. The KPI relationship model indicates whether or not there is a relationship between KPIs and whether the increase / decrease relationship is positive or negative.

[0026] When the increase or decrease of the target KPI and the related KPI is the same, the relationship between them is positive, and when the opposite is true, the relationship is negative. In other words, in a positive relationship, the related KPI increases as the target KPI increases, and the related KPI decreases as the target KPI decreases. On the other hand, in a negative relationship, the related KPI decreases as the target KPI increases, and the related KPI increases as the target KPI decreases.

[0027] An example of a method for generating a KPI relationship model will now be described. Fig. 3 shows an example flowchart of the KPI relationship model generation process 201. The KPI relationship model generation program 111 acquires performance data of KPIs and related indicators from the database 151 (S11). The performance data of KPIs and related indicators is received from the outside by the data input / output module 110 and stored in the database 151.

[0028] 4 shows an example of the configuration of the KPI and related indicator performance data table 310. The KPI and related indicator performance data table 310 manages performance data of time fluctuations of indicators of all stakeholders (all target users). The managed indicators include KPIs and indicators other than KPIs. The KPIs are specified in advance by the user.

[0029] In the configuration example shown in Fig. 4, the KPI and related indicator performance data table 310 includes an indicator ID column 311, an indicator name column 312, a timestamp column 313, and a value column 314. The indicator ID column 311 indicates an ID that identifies each indicator, and the indicator name column 312 indicates the name of each indicator. In this example, KPIs are given names consisting of "KPI" and a number, and indicators other than KPIs are given names consisting of "indicator" and a number. The timestamp column 313 indicates the time in the time variation of the indicator, and the value column 314 indicates the value of each indicator at each time.

[0030] Returning to Figure 3, the KPI relationship model generation program 111 constructs a relationship model between the KPI and related indicators and identifies related indicators that affect fluctuations in the KPI (S12). Related indicators are KPIs or indicators other than KPIs. The related indicators for each KPI may be specified by the user, or the KPI relationship model generation program 111 may analyze performance data for the KPIs and related indicators and identify the related indicators for each KPI from the analysis results. Note that various methods are known for evaluating the relationship between two time-varying variables, and any of these methods may be used.

[0031] 5 shows an example of the configuration of the KPI and related indicator relationship analysis table 320. The KPI and related indicator relationship analysis table 320 shows indicators (including KPIs and non-KPIs) related to each KPI. As described above, the KPI and related indicator relationship analysis table 320 can be created by a user or by the KPI relationship model generation program 111. The KPI and related indicator relationship analysis table 320 may be temporarily stored in the memory 102 or may be saved in the database 151.

[0032] In the example shown in FIG. 5 , the KPI and related indicator relationship analysis table 320 includes an indicator ID column 321, an indicator name column 322, a related indicator ID column 323, and a relationship column 324. The indicator ID column 321 and indicator name column 322 indicate the ID and name of the target indicator. These are the same as those in the KPI and related indicator performance data table 310. The related indicator ID column 323 indicates the ID of the indicator related to the target indicator. Note that one indicator can be related to one or more indicators. The relationship column 324 indicates whether the relationship between the two indicators is positive or negative.

[0033] Returning to FIG. 3 , the KPI relationship model generation program 111 further identifies whether there is a relationship between KPIs and whether the relationship between KPIs is positive or negative based on whether the fluctuation of the KPI is similar or different to the fluctuation of the indicator (S13). A related indicator of a KPI is a KPI or an indicator other than a KPI (a non-KPI indicator). If the related indicator is a KPI, the positive or negative relationship between them is determined. A positive relationship is a relationship in which two related KPIs increase or decrease together, while a negative relationship is a relationship in which the two KPIs show opposite changes. In a positive relationship, an increase in one KPI causes the other KPI to increase, and a decrease in the other KPI causes the other KPI to decrease. In a negative relationship, an increase in one KPI causes the other KPI to decrease, and a decrease in one KPI causes the other KPI to increase.

[0034] When a KPI and a non-KPI indicator are associated, the presence or absence of a relationship between the two KPIs via the non-KPI indicator is identified. The method of identifying the presence or absence of a KPI relationship is, for example, to determine that the two KPIs have a positive relationship if the indicator IDs of the associated indicators match at least a certain percentage of the positive and negative signs when the associated indicators are extracted. Alternatively, if the indicator IDs match at a certain percentage but the positive and negative signs do not match, the two KPIs can be determined to have a negative relationship.

[0035] Next, the KPI relationship model generation program 111 stores the existence or nonexistence of a relationship between KPIs and the positive or negative of the relationship in the database 151 (S14). FIG. 6 shows an example of the configuration of the KPI relationship analysis table 330. The KPI relationship analysis table 330 shows information on the KPI relationship model and manages the relationships between KPIs. The KPI relationship analysis table 330 manages the existence or nonexistence of a relationship between KPIs and the positive or negative of the relationship. KPI pairs not shown in the table have no relationship. As described above, the KPI relationship analysis table 330 is stored in the database 151.

[0036] 6 , the KPI relationship analysis table 330 includes an index ID column 331, an index name column 322, an index ID column 333, a KPI name column 334, and a relationship column 335. The index ID column 331 and the index name column 322 indicate the index ID and name of one of two related KPIs. The index ID column 333 and the KPI name column 334 indicate the index ID and name of the other of the two related KPIs. The relationship column 335 indicates whether the relationship between the two KPIs is positive or negative.

[0037] Next, another example of a method for generating a KPI relationship model will be described. Fig. 7 shows an example flowchart of the KPI relationship model generation process 201. The KPI relationship model generation program 111 acquires KPI performance data (S21). Here, the format of the KPI performance data is the same as that of the KPI and related indicator performance data table 310, but all indicators are KPIs.

[0038] Next, the KPI relationship model generation program 111 analyzes the correlations between KPIs (S22) and identifies whether there is a relationship between the KPIs and whether the relationship is positive or negative based on the correlations (S23). This generates a KPI relationship analysis table 330. The KPI relationship model generation program 111 saves the KPI relationship analysis table 330, which indicates whether there is a relationship between the KPIs and whether the relationship is positive or negative, in the database 151 (S24).

[0039] Next, the interchange target / range specification process 203 will be described. The interchange target / range specification process 203 includes a process of registering an interchange target and an interchange range in response to input from a stakeholder (user), and a process of acquiring information on a specific KPI from the registered information. First, the process of registering an interchange target and an interchange range in response to user input will be described. Here, the process of registering an interchange target and an interchange range will be described, and the process of acquiring information on the interchangeable range will be described later.

[0040] 8 shows an example of a screen for a user to register a flexible range of a parameter (also called an index, which may also be a KPI) associated with the KPI. Hereinafter, for example, a display device of the terminal device 18 displays the flexible range registration screen. The flexible range registration screen includes a field 41 for inputting a target KPI and a field for specifying a flexible range associated with the KPI.

[0041] The fields for specifying the flexible range specifically include a field 42 for inputting a flexible target parameter associated with the target KPI, a field 43 for inputting the flexible range of each parameter, and a field 44 for inputting the validity period of each flexible range. The target parameter is a parameter that affects changes in the target KPI. The flexible range depends on the target parameter and can be, for example, a numerical range or a value representing a selectable item.

[0042] 8, two parameter flexibility ranges are set for one KPI. The number of parameters associated with a KPI can be one or more. Information is entered into these fields by the user on the terminal device 18. When the register button 45 is selected, the input information, along with the user ID, is sent from the terminal device 18 to the inter-company flexibility transaction device 10.

[0043] 9 shows an example of a flowchart of the process for registering the interchange target and the interchange range in the interchange target / range specification process 203. The interchange target and the interchange range registration process can be executed at any time, for example, periodically or in response to an interchange request (described later). For example, the interchange target / range specification program 112 receives information on the interchangeable target and the range from the user via the terminal device 18.

[0044] 8, the accommodation target / range specification program 112 receives information on the target KPI, the accommodation target parameter associated with the target KPI, the accommodation range, and the validity period from the user via the terminal device 18, along with the user ID (S31). Next, the accommodation target / range specification program 112 stores a data set including the user ID, the target KPI, the target parameter, the accommodation range of the target parameter, and the validity period in the database 151 (S32).

[0045] 10 shows an example of the configuration of an accommodation range table 340 that manages information on accommodation targets and accommodation ranges. The accommodation range table 340 is stored in the database 151. In the example configuration of FIG. 10, the accommodation range table 340 includes a user ID column 341, an index ID column 342, a KPI name column 343, a parameter column 344, an accommodation range column 345, and a validity period column 346.

[0046] The user ID column 341 shows an ID that identifies the user who owns the lending target. The indicator ID column 342 shows the indicator ID of the KPI of the lending target. The KPI name column 343 shows the name of the KPI with which the lending range is associated. The parameter column 344 shows the parameters of the lending target. The lending range column 345 shows the lendable range of the lending target parameters. The validity period column 346 shows the validity period of the lending target. One or more lending target parameters are defined for one KPI. The validity period may be omitted.

[0047] Next, the KPI group generation process will be described. The KPI group generation process generates KPI groups using KPIs that are related to each other. Fig. 11 shows an example of a flowchart of the KPI group creation process. Here, it is assumed that KPI groups are generated by the measure generation program 113.

[0048] The policy generation program 113 acquires the KPI relationship analysis table 330 from the database 151 (S35). Next, the policy generation program 113 analyzes the relationships between KPIs in the KPI relationship analysis table 330, creates KPI groups, and saves the information in the database 151 (S36).

[0049] A KPI group is a group consisting of KPIs that are directly or indirectly related. The KPI relationship analysis table 330 shows pairs of KPIs that are related to each other. The measure generation program 113 includes both related KPI pairs, where at least one of the two related KPI pairs is related, in the same KPI group. For example, if one related KPI pair is made up of KPI1 and KPI2, and the other related KPI pair is made up of KPI1 and KPI3, KPI1, KPI2, and KPI3 are included in the same KPI group.

[0050] The measure generation program 113 stores information about each generated KPI group in a KPI group table 350, and saves the KPI group table 350 in the database 151. Fig. 12 shows an example of the configuration of the KPI group table 350. The KPI group table 350 manages information about KPI groups.

[0051] 12 , the KPI group table 350 indicates the KPI group to which each related KPI pair belongs. It includes a group ID column 351, an index ID column 352, a KPI name column 353, an index ID column 354, a KPI name column 355, and a relationship column 356. The group ID column 351 indicates an ID that identifies a KPI group. The index ID column 352 and the KPI name column 353 indicate the index ID and name of one of two related KPIs.

[0052] The indicator ID column 354 and the KPI name column 355 indicate the indicator ID and name of the other KPI of the two related KPIs. The relationship column 336 indicates whether the relationship between the two KPIs is positive or negative. By forming a KPI group with KPIs that have an influencing relationship as described above, it becomes possible to propose more appropriate measures. Note that KPI groups may also be formed using other methods.

[0053] Next, the loan transaction plan generation process 202 will be described. The loan transaction plan generation process 202 includes a process for generating a policy and a process for generating a policy combination. First, the policy generation process will be described. The policy generation process is executed by the policy generation program 113 in response to a loan request from a user.

[0054] 13 shows an example of an input screen for a user to generate a credit request. The credit request input screen is a screen for the user to input information about the target KPI that the user wishes to improve, the creditable parameters of that KPI, and the creditable range. For example, the credit target / range specification program 112 transmits the information on this screen to the terminal device 18 in response to a request from the user.

[0055] 13, the accommodation request input screen includes a target KPI input field 51 and a field indicating the accommodation range. The field indicating the accommodation range includes a target parameter input field 52, an accommodation range input field 53, and a validity period field 54. The target parameter is a parameter that is related to the target KPI and can affect the target KPI.

[0056] The user may be able to input new information on the accommodation range of the target KPI, i.e., the target parameter and accommodation range, or the accommodation range information may be obtained and displayed from the accommodation range table 340. For example, in response to a user's designation of a target KPI, the accommodation target / range identification program 112 obtains information on the accommodation range of the parameters related to the KPI of the user ID from the accommodation range table 340. In other words, it obtains information on the target parameter, accommodation range, and validity period. The accommodation target / range identification program 112 displays information on the accommodation range of the target parameter. The user may or may not be able to update the target parameter, accommodation range, and validity period on the accommodation request input screen.

[0057] 14 shows an example flowchart of the information acquisition process in the accommodation target / range identification process 203. The accommodation target / range identification program 112 acquires the target user ID and the name or ID of the KPI from the terminal device 18 (S47). The accommodation target / range identification program 112 then acquires information on the accommodation target parameters, accommodation range, and expiration date corresponding to the acquired user ID and KPI from the accommodation range table 340 in the database 151 (S48).

[0058] The target KPI is the objective variable of the optimization problem described below. The flexible parameters and flexible range are the constraints of the optimization problem described below. While Fig. 13 shows an example in which one KPI is specified as the target of the flexibility request, the user can simultaneously specify multiple KPIs and their flexible ranges.

[0059] 15 shows an example of a flowchart of the policy generation process in the credit transaction plan generation process 202. The policy generation program 113 sequentially selects one KPI from one or more target KPIs specified by the user, and executes the process shown in FIG.

[0060] First, the policy generation program 113 acquires the KPI group of the selected target KPI (S41). Specifically, the policy generation program 113 acquires information on all KPIs in the KPI group to which the target KPI belongs from the KPI group table 350. Next, the policy generation program 113 acquires the flexibility range corresponding to the KPI group (S42).

[0061] Specifically, the policy generation program 113 acquires information on the accommodation range, including the accommodation target parameters of all KPIs in the KPI group and the accommodation range, from the accommodation range table 340. The accommodation range information acquired from the accommodation range table 340 is information on records whose validity period includes the time when the policy is to be implemented. The time when the policy is to be implemented may be specified by the user, or may be the time when this process is executed, for example.

[0062] Next, the measure generation program 113 sets an optimization problem that searches for measures within the flexibility range associated with each KPI constituting the KPI group, using one or more KPIs including the target KPI as the objective variable (S43), and calculates one or more solutions to the optimization problem (S44). The explanatory variables of the optimization problem for each KPI are set in advance, and the flexibility range of the KPI group can be a constraint on the variables of the optimization problem. The optimal values ​​of one or more KPIs of the KPI group including the target KPI are searched for. A KPI different from the specified target KPI may be included in the objective variable. The measure generation program 113 stores the output measures and the KPI values ​​at the time of measure implementation in the database 151. Note that measures may also be determined by other methods.

[0063] 16 shows an example of the configuration of the measure table 360. The measure table 360 ​​manages information about measures generated by the measure generation program 113. The measure table 360 ​​is stored in the database 151. In the example configuration of FIG. 16 , the measure table 360 ​​includes a measure ID column 361, a user ID column 362, an index ID column 363, a KPI name column 364, a parameter column 365, a measure column 366, a KPI estimate column 367, and an execution column 368.

[0064] The measure ID column 361 indicates an ID that identifies the generated measure. The user ID column 362 indicates the ID of the user who should implement the measure, and the generated measure is presented to that user. The indicator ID column 363 indicates the ID of the target KPI used as the objective variable for creating the measure. The KPI name column 364 indicates the name of the KPI indicated by the indicator ID. The parameter column 365 indicates the target parameter associated with the target KPI. One measure may include one or more actions, that is, one or more parameters may be specified.

[0065] The action column 366 indicates the range of values ​​of the target parameter specified by the action. For example, the action can specify a specific value for the target parameter or a range of possible different values. The KPI estimate column 367 indicates the estimated value of the target KPI by the action. For actions that have already been executed, the actual value may be stored instead of an estimate. The execution column 368 indicates whether the action has been executed. An executed action indicates that the action has already been executed.

[0066] Next, we will explain the policy combination generation process in the loan transaction plan generation process 202. Figure 17 shows an example of a flowchart of the policy combination generation process in the loan transaction plan generation process 202. The policy combination generation program 114 identifies a target user, a target KPI, and a target period, and acquires a group of policies (implemented / unimplemented) (S51).

[0067] The target users are all users related to the target KPI, and the target KPI is one or more KPIs specified by the target user for policy generation and other KPIs in the KPI group to which they belong. The target period is set in advance and is a predetermined period including the execution of this process (present). The target period may be composed of, for example, the present and either or both of the past and future periods from the present.

[0068] The group of measures is generated for each of the target KPIs designated by the target user and the KPIs of the KPI group to which they belong, and is stored in the measure table 360. The group of measures to be acquired can include measures that have been proposed and executed in the past, measures that have been proposed in the past but not yet executed, and measures that will be newly proposed this time but not yet executed.

[0069] Next, the policy combination generation program 114 checks the overlap of the interchangeable parameters and value ranges between the policies in each time period in the present and future for the acquired policy group, and identifies policies that cannot be executed simultaneously in each time period (S52). Each policy combination includes at least one of the policies created in response to the current user request. If two policies have a common target parameter and the value ranges of the common parameter (including one numerical value) of the two policies do not overlap even partially, it is determined that the policies cannot be executed simultaneously.

[0070] The policy combination generation program 114 generates policy combinations from policies that can be executed simultaneously in each time period, both in the present and in the future. The policy combinations for each time period are sometimes called policy combinations for each time period or partial policy combinations. One or more policy combinations are generated for each time period.

[0071] Furthermore, the policy combination generation program 114 selects one policy combination from each time period to construct a policy combination for the target period, which is made up of a series of partial policy combinations. This may be called a policy combination for the target period, a policy combination for the target period, or an overall policy combination. The policy combination generation program 114 can generate multiple overall policy combinations made up of different partial policy combinations.

[0072] Next, the policy combination generation program 114 acquires the achievement conditions for the KPI group overall evaluation (S54). The achievement conditions for the KPI group overall evaluation are set in advance and indicate the conditions that the values ​​of the target KPI group obtained by each overall policy combination must satisfy. The target KPI group may be a group of KPIs that constitute the same KPI group as the user-specified KPI, or may be a collection of multiple KPI groups related to the user involved in the KPI group.

[0073] The achievement conditions for the KPI group overall evaluation, for example, specify the conditions for individual KPIs and the relationships between KPIs within the target period. The conditions for individual KPIs can, for example, specify the allowable range of the value of the KPI depending on the combination of measures in the current and future target period.

[0074] The conditions for the relationship between KPIs can be defined from the perspective of fairness between KPIs of different users. This makes it possible to maintain a high level of KPIs overall while achieving fairness between KPIs among users. For example, the measure combination generation program 114 calculates an evaluation value for each user from at least some of the KPI values ​​for the target period according to a predetermined function. At this time, past values ​​of each user's KPIs are obtained from the KPI and related indicator performance data table 310, and current and future values ​​are obtained from the measure table 360. One or more evaluation values ​​may be defined for each user.

[0075] The achievement condition defines, for example, the condition that the evaluation value calculated from at least some of the KPIs of each user must satisfy. The policy combination generation program 114 compares the evaluation values ​​between users and determines whether the comparison results satisfy the achievement condition for the KPI group overall evaluation. For example, the difference in evaluation values ​​between each user pair may be required to be within a predetermined range.

[0076] The evaluation value may be, for example, a weighted average of the user's KPIs for a target period, and the percentage difference in evaluation values ​​between users may be required to be within a specified value. For example, the weighted average may be calculated using the time average of each KPI for the target period. The period for calculating the evaluation value may be the entire target period or a portion of the target period. The weighted average may be calculated for certain KPIs, which may be a portion of any user's KPIs.

[0077] The policy combination generation program 114 searches for an overall policy combination that satisfies the achievement conditions of the acquired KPI group overall evaluation (S54). Furthermore, the policy combination generation program 114 outputs the overall policy combination that satisfies the achievement conditions to the policy combination table 370 and stores it in the database 151 (S55).

[0078] 18 shows an example of the configuration of a measure combination table 370. The measure combination table 370 includes a measure combination ID column 371, a measure ID column 372, a user ID column 373, an index ID column 374, a KPI name column 375, a parameter column 376, a measure column 377, and an execution column 378.

[0079] The measure combination ID column 371 shows an ID that identifies the measure combination. The measure ID column 372 shows IDs that identify the measures included in each measure combination. The user ID column 373 shows the ID of the target user of the measure. The indicator ID column 374 shows the indicator ID of the KPI that is expected to be improved by the measure. The KPI name column 375 shows the name of the KPI indicated by the indicator ID. The parameter column 376 shows the parameters associated with the KPI, and the measure column 377 shows the range of parameter values ​​specified by the measure. The execution column 378 shows whether the measure has been executed.

[0080] 19 shows an example of the structure of a policy combination KPI overall evaluation table 380. The policy combination KPI overall evaluation table 380 includes a policy combination ID column 381, a user ID column 382, ​​a KPI evaluation value ID column 383, and a KPI evaluation value column 384.

[0081] The policy combination ID column 381 indicates an ID that identifies a policy combination. The user ID column 382 indicates the ID of the target user of the policy combination. The KPI evaluation value ID column 383 indicates the ID of the KPI evaluation value for the target user of the policy combination. The KPI evaluation value column 384 indicates the value of the KPI evaluation value.

[0082] Next, the loan transaction negotiation process 204 will be described. Figure 20 shows an example of a flowchart of the loan transaction negotiation process 204 by the transaction proposal notification / response receiving program 115. The transaction proposal notification / response receiving program 115 inquires of users related to the policy combination whether or not the policy combination is acceptable, and obtains their responses. This makes it possible to propose a policy combination that is acceptable to the related users.

[0083] The transaction proposal notification / response receiving program 115 obtains a group of policy combinations and KPI evaluation values ​​for the policy combinations from the policy combination table 370 and the policy combination KPI overall evaluation table 380 (S61). The transaction proposal notification / response receiving program 115 identifies the policy combination with the highest designated evaluation value (S62). The calculation method for the designated evaluation value is specified in advance and is determined based on the values ​​of the target KPI group. For example, the designated evaluation value may be the total weighted average of the users' KPIs over the target period, or a statistical value (e.g., the reciprocal of the average) obtained from the difference in weighted averages of the KPIs between users. The weighted average may be calculated for a portion of the users' KPIs.

[0084] The transaction proposal notification / response receiving program 115 notifies all users who are the targets of the policies included in the policy combination of the policies for those users (S63). Specifically, the transaction proposal notification / response receiving program 115 notifies the user whose execution column 378 in the policy combination table 370 indicates "unexecuted" and whose user ID column 373 indicates information about the policy indicated in the policy ID column 372 of the same record. Users whose policies have already been executed may also be notified.

[0085] The transaction proposal notification / response receiving program 115 receives responses from the users regarding whether or not to permit the implementation of each measure (S64). The transaction proposal notification / response receiving program 115 determines whether all users have responded with permission to implement the measures (S65).

[0086] If any user rejects the proposed measures (S65: NO), the transaction proposal notification / response receiving program 115 deletes the target measure combination from the candidates (S66), after which the flow returns to step S62.

[0087] If all users have responded that they allow the implementation (S65: YES), the transaction proposal notification / response receiving program 115 sends a request to each related user to implement the proposed measures (S67).The transaction proposal notification / response receiving program 115 saves information on the implemented measure combination in the performance information (S68).

[0088] 21 shows an example of a screen for presenting to a user measures corresponding to the user in a measure combination and requesting the user's approval or disapproval of the presented measures. This allows for efficient acquisition of the user's approval or disapproval of the implementation. The measure presentation screen includes a section 71 showing target KPIs, a section 72 showing target parameters, and a section 73 showing measures. Furthermore, the screen includes a section 74 showing overall KPIs of the presented user and other users involved in the measure combination, and a graph 75 showing changes in the overall KPI estimates of the presented user and other users involved in the measure combination over the target period.

[0089] The target KPI is the target KPI of the measure for which permission to execute is sought, and is the KPI of the user. The target parameter is a parameter of the target KPI, and the measure indicates the range of values ​​of the parameter. The overall KPI estimate is a value calculated from the user's KPI using a preset method.

[0090] The overall KPI estimate may be, for example, a value obtained from the achievement conditions in the loan transaction proposal generation process 202 (step S53), or a value calculated from a specified evaluation value (step S62) referenced when presented to the user in the loan transaction negotiation process 204. As an example, a weighted average of the users' KPIs may be used. This makes it possible to know the relationship of interests between users. The user can respond by pressing buttons 76 and 77 as to whether or not to implement the proposed measures.

[0091] The present invention is not limited to the above-described embodiments, but includes various modifications. For example, the above-described embodiments have been described in detail to clearly explain the present invention, and the present invention is not necessarily limited to those including all of the described configurations. Furthermore, it is possible to replace part of the configuration of one embodiment with the configuration of another embodiment, or to add the configuration of another embodiment to the configuration of one embodiment. Furthermore, it is possible to add, delete, or replace part of the configuration of each embodiment with other configurations.

[0092] Furthermore, the above-described configurations, functions, processing units, etc. may be partially or entirely implemented in hardware, for example, by designing them as integrated circuits. Furthermore, the above-described configurations, functions, etc. may be implemented in software by a processor interpreting and executing a program that implements each function. Information such as the program, table, and file that implements each function can be stored in a memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card or SD card.

[0093] In addition, the control lines and information lines shown are those that are considered necessary for the explanation, and do not necessarily show all the control lines and information lines in the product. In reality, it can be assumed that almost all components are interconnected.

Claims

1. A system for proposing a trade of a flexible transaction, comprising: a processor; and a memory, wherein the memory stores: trade-in range information for managing KPIs, parameters associated with the KPIs, and trade-in ranges of the parameters for a plurality of users; and policy management information for managing measures for improving one or more KPIs, wherein the processor: acquires from a user a designated KPI to be improved and information on the trade-in range of the parameters associated with the designated KPI; for a KPI group including a KPI related to the designated KPI, determines a group of measures for improving the designated KPI and other KPIs of the KPI group by referring to the policy management information, with the trade-in range of the parameters associated with the KPIs of the KPI group as a constraint; creates a combination of measures in the group of measures that satisfies preset conditions; and presents information on the combination of measures to a user related to the KPI group to obtain a response as to whether or not the combination of measures is acceptable.

2. A loan transaction proposal system as described in claim 1, wherein the memory stores KPI relationship information that manages the relationships between multiple KPIs, and the KPI group is composed of KPIs that the KPI relationship information indicates have a relationship.

3. A system for proposing a loan transaction as described in claim 1, wherein the processor determines the group of measures by solving an optimization problem having as objective variables at least a portion of the KPIs in the KPI group, including the specified KPI.

4. A system for proposing a trade in accordance with claim 1, wherein said processor creates said combination of measures such that measures having different values ​​of a common parameter are not executed simultaneously.

5. A system for proposing a trade flexibility transaction as described in claim 1, wherein the processor generates a combination of multiple measures that satisfies the predetermined conditions, and when a negative response to the proposed combination of measures is received from any user of the KPI group, the processor re-presents information on another combination of measures selected from the combination of multiple measures to the user of the KPI of the KPI group.

6. A loan transaction proposal system as described in claim 2, wherein the memory stores performance data relating to the multiple KPIs, and the processor analyzes the relationships between the multiple KPIs in the performance data to create the KPI relationship information.

7. A system for proposing a credit transaction as described in claim 1, wherein the pre-set condition defines a relationship that must be satisfied by an evaluation value calculated from at least a portion of KPIs of each user of the policy combination.

8. A method for a system to propose a credit transaction, the system storing credit range information for managing KPIs, parameters associated with the KPIs, and credit ranges of the parameters for multiple users, and policy management information for managing measures for improving one or more KPIs, the method comprising the system acquiring from a user a designated KPI to be improved and information on the credit range of the parameters associated with the designated KPI, determining a group of measures for improving the designated KPI and other KPIs of the KPI group by referring to the policy management information, for a KPI group including a KPI related to the designated KPI, with the credit range of the parameters associated with the KPIs of the KPI group as a constraint, creating a combination of measures in the group of measures that satisfies predetermined conditions, and presenting information on the combination of measures to a user related to the KPI group to obtain a response as to whether the combination of measures is acceptable or not.

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