JP2025027843A - Information processing device, program, and information processing method - Google Patents

Abstract

[Problem] To improve the convenience of vehicle transactions. [Solution] An information processing device 1 according to one aspect of the present invention includes a registration information acquisition unit 100 that acquires registration information of at least one of a user and a vehicle from a management system (corresponding to a car sharing system 4) that manages vehicles that can be traded between users, a vehicle information acquisition unit 102 that acquires vehicle information related to the vehicle from a first collection system (corresponding to a vehicle information collection system 3) different from the management system, a credit information acquisition unit 104 that acquires credit information of users from a second collection system (corresponding to a credit information collection system 2) different from the management system, and an output unit 108 that outputs information related to the reliability of the registration information based on the vehicle information and the credit information. [Selected Figure] FIG.

Description

The present invention relates to an information processing device, a program, and an information processing method.

Patent Document 1 describes a system that uses credit information in vehicle rental and car sharing services. Patent Document 2 describes a vehicle management system that ensures guarantees for vehicle rental and enables smooth vehicle lending and borrowing between users.

WO2018/179154 publication JP 2020-166748 A

However, the systems described in Patent Documents 1 and 2 are unable to sufficiently improve the convenience of vehicle transactions (e.g., lending and borrowing) between users of the system. Specifically, the systems described in Patent Documents 1 and 2 are unable to guarantee the reliability of the information registered in the system itself, and may provide erroneous information to users, impairing the convenience of vehicle transactions. In other words, there is room for further consideration in improving the convenience of vehicle transactions.

Therefore, in consideration of the above problems, the present invention aims to improve the convenience of vehicle trading.

An information processing device according to one aspect of the present invention includes a registration information acquisition unit that acquires registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users, a vehicle information acquisition unit that acquires vehicle information related to the vehicle from a first collection system different from the management system, a credit information acquisition unit that acquires credit information of the user from a second collection system different from the management system, and an output unit that outputs information related to the reliability of the registration information based on the vehicle information and the credit information.

A program according to another aspect of the present invention causes a computer to function as: a registration information acquisition means for acquiring registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users; a vehicle information acquisition means for acquiring vehicle information related to the vehicle from a first collection system different from the management system; a credit information acquisition means for acquiring credit information of the user from a second collection system different from the management system; and an output means for outputting information related to the reliability of the registration information based on the vehicle information and the credit information.

An information processing method according to another aspect of the present invention causes a computer to execute the steps of acquiring registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users, acquiring vehicle information related to the vehicle from a first collection system different from the management system, acquiring credit information of the user from a second collection system different from the management system, and outputting information related to the reliability of the registration information based on the vehicle information and the credit information.

The present invention can increase the convenience of vehicle transactions.

1 is a diagram showing an overview of a system according to an embodiment of the present invention; FIG. 1 is a functional block diagram of a system according to an embodiment of the present invention. FIG. 2 is a hardware configuration diagram of the information processing device according to the embodiment. FIG. 11 is a sequence diagram for explaining an example of the operation of the system according to the present embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment. FIG. 2 is a diagram for explaining an example of an operation of the information processing device according to the embodiment.

A preferred embodiment of the present invention (hereinafter, referred to as the present embodiment) will be described with reference to the attached drawings. Note that in each drawing, parts with the same reference numerals have the same or similar configurations.

In this invention, "part," "means," "device," and "system" do not simply mean physical means, but also include cases where the functions of the "part," "means," "device," and "system" are realized by software. In addition, the functions of one "part," "means," "device," and "system" may be realized by two or more physical means, devices, and software, and the functions of two or more "parts," "means," "device," and "system" may be realized by one physical means, device, and software.

1. System Overview
With reference to FIG. 1, an overview of a system including an information processing device 1, a vehicle information collection system 3, a credit information collection system 2, and a car sharing system 4 according to this embodiment will be described.

The car sharing system 4 is a system that provides a car sharing service in response to a user's request. The car sharing system 4 accepts the input of registration information related to the user and the vehicle. A user can borrow a vehicle registered in the car sharing system 4 by inputting his/her own registration information into the car sharing system 4. A user can also register a vehicle in the car sharing system 4 so that other users can rent the vehicle. In other words, the car sharing system 4 is a system that provides a service to multiple users that allows the users to share and use multiple vehicles. In the following, the car sharing system 4 will be described as being owned by a car sharing operator.

By using the car sharing system 4, users can view the registration information of other users and the registration information of vehicles registered by other users. This allows users to consider whether or not to lend their registered vehicle to other users and which vehicle to borrow. When a user lends their vehicle to another user, they can receive a reward from the other user in proportion to the lending. In addition, when a user borrows another user's vehicle, the user pays a reward to the other user in proportion to the borrowing. The car sharing operator receives a portion of the reward paid between users as a system usage fee.

The vehicle information collection system 3 is a system that collects vehicle information on a plurality of vehicles, including vehicles registered in the car sharing system 4. The vehicle information typically includes information on the state of the vehicle. The information on the state of the vehicle includes at least one of the following: the time when the vehicle was manufactured, the state of the battery installed in the vehicle, the number of times the vehicle has been inspected, the time of the most recent inspection of the vehicle, and the history of repairs to the vehicle. The vehicle information collection system 3 can also be called a first collection system. The state of the battery includes at least one of the degree of consumption of the battery (e.g., the difference between the amount of electricity when the current battery is fully charged and the amount of electricity when the battery is fully charged at the time of shipment from the factory) and the state of charge of the battery (e.g., the difference between the amount of electricity when the current battery is fully charged and the amount of electricity in the current battery). The vehicles include automobiles, motorcycles, motorized bicycles, bicycles, etc.

In the following, the vehicle information collection system 3 will be described as being owned by a vehicle information collection business operator. The vehicle information collection business operator is, for example, an automobile manufacturer, an automobile parts manufacturer, or a wireless communication business operator that develops connected cars. The vehicle information collection business operator can also be called a vehicle information aggregator.

Typically, multiple vehicle information collection systems 3 acquire vehicle information for one vehicle. For example, vehicle information collection system 3a, which collects information about tires, vehicle information collection system 3b, which collects information about the engine, and vehicle information collection system 3c, which collects information about the body, each collect tire information, engine information, and body information for a specific vehicle.

The credit information collection system 2 is a system that collects credit information of multiple users, including users registered in the car sharing system 4. The credit information includes information on at least one of the user's annual income, the user's age, and the user's financial transactions. The information on financial transactions includes information on at least one of the user's borrowing amount, the user's overdue payments on borrowing, and the user's financial assets. The credit information collection system 2 can also be called a second collection system.

In the following description, the credit information collection system 2 is assumed to be owned by a credit information collection business. The credit information collection business is, for example, a bank, a credit card business, a securities business, an insurance business, or an investment business. The credit information collection business can also be called a credit information aggregator.

Typically, multiple credit information collection systems 2 acquire credit information for one user. For example, a credit information collection system 2a that collects information on bank accounts and a credit information collection system 2b that collects information on credit cards acquire information on bank accounts and credit cards for a specific user, respectively.

The information processing device 1 includes a registration information acquisition unit 100 that acquires registration information of at least one of users and vehicles from the car sharing system 4, a vehicle information acquisition unit 102 that acquires vehicle information from the vehicle information collection system 3, a credit information acquisition unit 104 that acquires credit information from the credit information collection system 2, and an output unit 108 that outputs information on the reliability of the registration information acquired from the car sharing system 4 based on the vehicle information and the credit information (hereinafter referred to as "reliability information") to the car sharing system 4. In the following, the information processing device 1 will be described as a device owned by an operator other than the car sharing operator.

In this disclosure, "reliability of information" is not limited to the property of the information being able to perform a required function under specified conditions, but also includes the credibility and trustworthiness of the information. In other words, "reliability of information" includes the certainty that the information is genuine and not false.

The information processing device 1 can provide reliability information to car sharing businesses. The registered information may contain incorrect information or information that has been intentionally falsified by the user. In response to this, the information processing device 1 obtains objective information from the vehicle information collection system 3 and the credit information collection system 2, and outputs reliability information that indicates the degree to which the registered information can be trusted.

In addition, the information processing device 1 can not only output reliability information regarding the vehicle's registration information based on the vehicle information and output reliability information regarding the user's registration information based on the credit information, but can also complement information that is missing in the credit information with the vehicle information, and can also complement information that is missing in the vehicle information with the credit information, and output reliability information regarding the vehicle and user's registration information. In other words, by evaluating the reliability of the registration information based on multifaceted information, it is possible to output highly accurate reliability information.

One possible method for the car sharing system 4 to evaluate the reliability of the registration information is for the car sharing system 4 to directly obtain the vehicle information and credit information from the vehicle information collection system 3 and credit information collection system 2, and compare it with the registration information it holds. However, this method gives rise to the following problems.

First, vehicle information and credit information are important information for vehicle information collection businesses and credit information collection businesses to ensure industrial competitiveness, respectively, and it is undesirable to make them directly available to car sharing businesses. In contrast, the information processing device 1 makes it possible to provide reliability information to car sharing businesses without allowing the car sharing businesses to directly use the vehicle information and credit information. Note that, as long as the car sharing businesses can guarantee the reliability of the registration information registered in the car sharing system 4, it is generally not necessary for them to be able to directly use the vehicle information and credit information.

In addition, if multiple car sharing businesses were to enter into contracts for the provision of information with multiple vehicle information collection businesses and multiple credit information collection businesses, the procedures would be complicated for each business. The information processing device 1 functions as a hub for the information used or provided by each business, thereby facilitating the use of information by each business.

2. System Configuration
The functional configuration of the system according to the present embodiment will be described with reference to Fig. 2. The system includes an information processing device 1, a plurality of credit information collection systems 2, a plurality of vehicle information collection systems 3, and a car sharing system 4, which are capable of communicating with each other via a communication network 5.

The information processing device 1 includes a control unit 10, a memory unit 14, and a network interface unit 18, which are electrically connected to each other via a bus 16.

The control unit 10 executes various programs stored in the memory unit 14 to function as a registration information acquisition unit 100, a vehicle information acquisition unit 102, a credit information acquisition unit 104, a generation unit 106, an output unit 108, and an input unit 110.

[Registration information acquisition unit 100]
The registration information acquisition unit 100 acquires registration information of at least one of users and vehicles from the car sharing system 4 .

The user's registration information is information that the user himself/herself inputs into the car sharing system 4 in order to use the car sharing system 4.

Vehicle registration information is information that a user inputs into the car sharing system 4 so that the user can lend out his or her vehicle via the car sharing system 4.

The registration information may be false information so that the user himself/herself is given preferential treatment. For example, when a user decides whether to lend a vehicle registered by the user to another user, the user may consider the registration information of the other user (e.g., driving history, annual income, age, etc.). Therefore, the other user may input false registration information about the user so as to make it easier for the other user to lend the vehicle. In addition, for example, when a user decides whether to borrow a vehicle registered by another user, the user may consider the registration information of the vehicle (e.g., year of manufacture, mileage, vehicle inspection status, etc.). Therefore, the other user may input false registration information about the vehicle so as to make it easier for the other user to lend the vehicle. In other words, the car sharing operator needs to guarantee the reliability of the registration information in order to maintain a sound platform for vehicle transactions, and the information processing device 1 provides information for this purpose to the car sharing system 4.

[Vehicle information acquisition unit 102]
The vehicle information acquisition unit 102 acquires vehicle information related to the vehicle from the vehicle information collection system 3. Typically, the vehicle information acquisition unit 102 acquires vehicle information from a plurality of vehicle information collection systems 3 each of which collects different types of vehicle information. Specific examples of vehicle information will be described later.

[Credit information acquisition unit 104]
The credit information acquisition unit 104 acquires the user's credit information from the credit information collection system 2. Typically, the credit information acquisition unit 104 acquires credit information from a plurality of credit information collection systems 2 each of which collects different types of credit information. Specific examples of credit information will be described later.

[Generation unit 106]
The generation unit 106 generates reliability information regarding the registration information acquired by the registration information acquisition unit 100 based on the vehicle information acquired by the vehicle information acquisition unit 102 and the reliability information acquired by the reliability information acquisition unit 104. The generation unit 106 may generate reliability information based on the consistency between the vehicle information and the reliability information and the registration information of the vehicle and the user, for example. Specifically, when the vehicle information and the reliability information are consistent with the registration information of the vehicle, the generation unit 106 may generate information indicating that the registration information of the vehicle is highly reliable. Furthermore, when the vehicle information and the reliability information are not consistent with the registration information of the vehicle, the generation unit 106 may generate information indicating that the registration information of the vehicle is low reliability.

[Output unit 108]
The output unit 108 outputs the reliability information. Outputting information includes transmitting the information to another device and displaying the information on a display device 310 (described later). The reliability information may be expressed by a numerical value (e.g., a score, a rate, a ratio, etc.), a stage (e.g., "high", "medium", and "low", etc.), a figure (e.g., a circle, a triangle, and an x, etc.), a color, a character string, or a combination thereof.

The reliability information regarding a specific user output by the output unit 108 may include information indicating a relative relationship between the reliability of the registered information of the specific user and the reliability of the registered information of one or more users excluding the specific user. Similarly, the reliability information regarding a specific vehicle output by the output unit 108 may include information indicating a relative relationship between the reliability of the registered information of the specific vehicle and the reliability of the registered information of one or more vehicles excluding the specific vehicle. The information indicating the relative relationship is expressed, for example, by a standard deviation, a ranking, a ratio, a magnitude relationship, etc.

[Input section 110]
The input unit 110 accepts input of various information from a user or another device. Inputting information includes receiving the information from another device and accepting the input of the information via the input I/F 304 or the like provided in the information processing device 1.

The storage unit 14 stores various information for the operation of the information processing device 1. The various information includes various programs executed by the control unit 10, registration information acquired by the registration information acquisition unit 100, vehicle information acquired by the vehicle information acquisition unit 102, credit information acquired by the credit information acquisition unit 104, and reliability information generated by the generation unit 106.

The network interface unit 18 realizes communication with multiple vehicle information collection systems 3, multiple credit information collection systems 2, and the car sharing system 4 via the communication network 5.

3. Hardware configuration of information processing device 1
3, an example of a hardware configuration in which the above-described information processing device 1 is realized by a computer 30 will be described. Note that the functions of each device can also be realized by dividing them into a plurality of devices.

As shown in FIG. 3, the computer 30 includes a processor 300, a storage device 302, an input I/F 304, a data I/F 306, a communication I/F 308, and a display device 310.

The processor 300 controls various processes in the computer 30 by executing programs stored in the storage device 302. For example, each functional unit of the control unit 10 of the information processing device 1 can be realized by the processor 300 executing a program stored in the storage device 302.

The storage device 302 is a storage medium such as a RAM (Random Access Memory). The RAM temporarily stores the program code of the program executed by the processor 300 and data required when the program is executed.

The storage device 302 may also be a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 302 stores an operating system and various programs for implementing the above-mentioned configurations. The storage medium storing the various programs may be a non-transitory computer readable medium. The storage device 302 may also store a table for registering various information such as business information, and a DB for managing the table. Such programs and data are loaded into the storage device 302 as necessary and referenced by the processor 300.

The input I/F 304 is a device for receiving input from a user. Specific examples of the input I/F 304 include a camera, a button, a microphone, a keyboard, a mouse, a touch panel, various sensors, and a wearable device. The input I/F 304 may be connected to the computer 30 via an interface such as a Universal Serial Bus (USB).

The data I/F 306 is a device for inputting data from outside the computer 30. A specific example of the data I/F 306 is a drive device for reading data stored in various storage media. The data I/F 306 may be provided outside the computer 30. In that case, the data I/F 306 is connected to the computer 30 via an interface such as a USB.

The communication I/F 308 is a device for performing data communication via the communication network 5, either wired or wirelessly, with devices external to the computer 30. The communication I/F 308 may be provided external to the computer 30. In that case, the communication I/F 308 is connected to the computer 30 via an interface such as a USB.

The display device 310 is a device for displaying various types of information. Specific examples of the display device 310 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a display of a wearable device. The display device 310 may be provided outside the computer 30. In that case, the display device 310 is connected to the computer 30 via, for example, a display cable. Furthermore, when a touch panel is used as the input I/F 304, the display device 310 can be configured as an integral part of the input I/F 304.

The components of the information processing device 1 described in the above embodiment are assumed to be implemented in cooperation with other hardware by the processor 300 executing a program stored in the storage device 302. In other words, these components are assumed to be software or firmware, and also corresponding hardware, and in both concepts, they are also described as "functions," "means," "parts," "processing circuits," "units," or "modules," and can be interpreted as such.

4. Operation of Information Processing Device 1
An example of the operation of a system including the information processing device 1 will be described with reference to Fig. 4. Fig. 4 is a sequence diagram showing the operation from when the information processing device 1 acquires registration information from the car sharing system 4 (S2) to when it transmits reliability information related to the registration information to the car sharing system 4 (S14). Note that in this embodiment, it is assumed that the car sharing system 4 is attempting to acquire reliability information related to the registration information of user u1, user u2, vehicle v1, and vehicle v2 from the information processing device 1.

First, the car sharing system 4 transmits the registration information for which the reliability is to be confirmed to the information processing device 1 (S2). In response, the information processing device 1 acquires the registration information by the registration information acquisition unit 100. In this example, the registration information acquisition unit 100 acquires the registration information of user u1, user u2, vehicle v1, and vehicle v2 from the car sharing system 4.

Next, the information processing device 1 requests the plurality of vehicle information collection systems 3 to transmit vehicle information (S4). In S2, the registration information acquisition unit 100 has acquired the registration information of vehicles v1 and v2, so in response, the information processing device 1 requests the plurality of vehicle information collection systems 3 to transmit the vehicle information of vehicles v1 and v2.

Although not described in this embodiment, in S4, the information processing device 1 may request the transmission of vehicle information of the vehicles owned by users u1 and u2. This is because the vehicle information of the vehicles owned by the users may be used to evaluate the reliability of the registration information of the users.

In response to the request, each of the vehicle information collection systems 3 transmits the vehicle information it holds to the information processing device 1 (S6). In response, the information processing device 1 acquires the vehicle information of vehicles v1 and v2 via the vehicle information acquisition unit 102.

Next, the information processing device 1 requests the multiple credit information collection systems 2 to transmit credit information (S8). Since the registration information acquisition unit 100 has acquired the registration information of user u1 and user u2 in S2, in response, the information processing device 1 requests the multiple credit information collection systems 2 to transmit the credit information of user u1 and user u2.

Although not described in this embodiment, in S8, the information processing device 1 may request the transmission of credit information of the users who own the vehicles v1 and v2. This is because the credit information of the users who own the vehicles may be used to evaluate the reliability of the registration information of the vehicles.

In response to the request, each of the multiple credit information collection systems 2 transmits credit information that it holds to the information processing device 1 (S10). In response, the information processing device 1 acquires the credit information of user u1 and user u2 via the credit information acquisition unit 104.

With reference to Figures 5 to 8, an example of various information acquired by the information processing device 1 in S2, S6, and S10 will be described.

Figure 5 is a diagram showing the vehicle information and registration information of vehicle v1. In this embodiment, the vehicle information and the vehicle registration information are each associated with a value corresponding to each of a plurality of items. Specifically, in the vehicle information of vehicle v1, the values "2012", "70,000 km", "August 2022 (valid)", "No repair history", "Scratches on the right side of the vehicle body", and "1 accident" are associated with each of the items "Year of manufacture", "Mileage", "Last vehicle inspection", "Repair history", "Unrepaired parts", and "Number of accidents", respectively. In the registration information of vehicle v1, the values "2012", "63,000 km", "August 2022 (valid)", "No repair history", "Scratches on the right side of the vehicle body", and "1 accident" are associated with each of the items similar to the vehicle information. The score column will be described later.

Figure 6 is a diagram showing vehicle information and registration information of vehicle v2. Specifically, in the vehicle information of vehicle v2, the values "2000", "100,000 km", "October 2022 (valid)", "June 2010: dent on right side of bumper August 2018: punctured left rear tire", "scratches on right side of vehicle body", and "2 accidents" are associated with each of the items "manufacturing year", "mileage", "latest vehicle inspection", "repair history", "unrepaired parts", and "number of accidents". In the registration information of vehicle v2, the values "2002", "60,000 km", "October 2022 (valid)", "June 2010: dent on right side of bumper August 2018: punctured left rear tire", "scratches on right side of vehicle body", and "0 accidents" are associated with each of the items similar to the vehicle information.

Figure 7 is a diagram showing the credit information and registration information of user u1. In this embodiment, the credit information and the user's registration information are both associated with a value corresponding to each of a number of items. Specifically, in the credit information of user u1, the values "4.5 million yen", "35 years old", "0 yen", "1 time", "Investment trust: 1 million yen in total", and "Civil servant" are associated with each of the items "annual income", "age", "loan amount", "delinquent payment", "financial assets", and "occupation", respectively. In the registration information of user u1, the values "4.2 million yen", "35 years old", "0 yen", "no delinquent payment", "Investment trust: 1 million yen in total", and "Civil servant" are associated with each of the items similar to the credit information, respectively.

Figure 8 shows the credit information and registration information of user u2. Specifically, in user u2's credit information, the following values are associated with each of the items "annual income," "age," "loan amount," "delinquent payments," "financial assets," and "occupation": "3.5 million yen," "32 years old," "1 million yen," "3 times," "no financial assets," and "self-employed." In user u2's registration information, the following values are associated with each of the items similar to the credit information: "4.5 million yen," "28 years old," "850,000 yen," "3 times," "investment trusts: total equivalent to 1 million yen," and "civil servant."

In the following, the item in the Mth row of the tables shown in Figures 5 to 8 will be referred to as the "Mth item." For example, in Figure 5, the first item is the "Year of manufacture" item in the first row, and the sixth item is the "Number of accidents" item in the sixth row.

After acquiring the various pieces of information described with reference to Figures 5 to 8, the information processing device 1 generates reliability information regarding the registered information (S12).

[Generation of reliability information regarding registration information of vehicle v1 (see FIG. 5)]
An example of a method in which the information processing device 1 generates reliability information related to the registration information (see FIG. 5) of the vehicle v1 by the generation unit 106 will be described with reference to FIG.

First, the generation unit 106 sets the value of N, which is a variable indicating the number of times the process is repeated, to 1 (S120a).

Next, the generation unit 106 compares the vehicle information of vehicle v1 with the registration information of vehicle v1 for the Nth item (S122a). Because the value of N is set to 1 in S120a, the generation unit 106 compares the vehicle information of vehicle v1 with the registration information of vehicle v1 for the first item (i.e., "manufacturing year"). According to FIG. 5, the value associated with the "manufacturing year" item is "2012" in both the vehicle information of vehicle v1 and the registration information of vehicle v1, and the vehicle information and the vehicle registration information are consistent.

Next, the generation unit 106 determines a score for the Nth item according to the degree of consistency of the Nth item (S124a). In this embodiment, the score associated with each item is from "0 points" to "10 points". For each item, the generation unit 106 typically determines a score that is larger the higher the degree of consistency (e.g., the values match perfectly) and smaller the lower the degree of consistency (e.g., the values differ greatly). As described in S122a, for the first item, the vehicle information of vehicle v1 and the registration information of vehicle v1 have a high degree of consistency, so the score is determined to be "10 points". Note that the method of determining the score in this embodiment is just an example, and any method of determination may be adopted.

Next, the generation unit 106 determines whether the Nth item is the last item (S126a). Because the first item is not the last item (NO in S126a), N is added by 1 to make it 2, and the process proceeds to the next iteration (S128a).

Because the value of N was set to 2 in S128a, the generation unit 106 compares the vehicle information of vehicle v1 with the registration information of vehicle v1 for the second item (i.e., "mileage") (S122a). According to FIG. 5, the value associated with the "mileage" item is "70,000 km" for the vehicle information of vehicle v1 and "63,000 km" for the registration information of vehicle v1, which is different.

The generation unit 106 determines a score corresponding to the second item according to the degree of consistency of the second item (S124a). For the second item, the vehicle information of vehicle v1 and the registration information of vehicle v1 do not match but are not significantly different, so the score is determined to be "5 points."

Next, the generation unit 106 determines whether the Nth item is the last item (S126a). Because the second item is not the last item (NO in S126a), it adds 1 to N to make it 3, and proceeds to the next iteration (S128a).

The generation unit 106 determines the score for each item using the same procedure as above when N is 3 to 6. As a result, the scores of "10 points", "5 points", "10 points", "10 points", "10 points" and "10 points" are determined for each of the items "Year of manufacture", "Mileage", "Time of most recent inspection", "Repair history", "Unrepaired parts" and "Number of accidents" respectively (see the "Score" column in Figure 5). When N is 6, the sixth item is the last item, so the repetitive process ends (S126a YES).

Next, the generation unit 106 calculates the sum of the scores for all items (S130a). The sum of the scores for all items in FIG. 5 is "55 points."

Next, the generation unit 106 generates reliability information about the registered information based on the sum of the scores (S132a).

Figure 10 is a diagram showing an example of the relationship between the sum of the scores and the reliability of the registration information. Since the reliability corresponding to "55 points" is "very high", the generation unit 106 generates reliability information indicating that the reliability of the registration information of vehicle v1 is very high. This ends the process related to the generation of reliability information regarding the registration information of vehicle v1.

[Generation of reliability information regarding registration information of vehicle v2 (see FIG. 6)]
The generating unit 106 generates reliability information on the registration information of the vehicle v2 in the same manner as the generation of reliability information on the registration information of the vehicle v1 described above. For the vehicle v2, the item "manufacturing year" is slightly different between "2000" in the vehicle information and "2002" in the registration information, so a score of "2 points" is determined. For the item "mileage" is significantly different between "100,000 km" in the vehicle information and "60,000 km" in the registration information, so a score of "0 points" is determined. For the item "most recent vehicle inspection implementation time", the vehicle information and the registration information match with "October 2022 (valid)", so a score of "10 points" is determined. For the item "repair history", the vehicle information and the registration information match with "June 2010: dent on the right side of the bumper August 2018: punctured left rear tire", so a score of "10 points" is determined. For the "unrepaired areas" item, a score of "0 points" is determined because there is a large difference between "scratches on right side of vehicle body" in the vehicle information and "all repaired" in the registration information. For the "number of accidents" item, a score of "0 points" is determined because there is a large difference between "2 times" in the vehicle information and "0 times" in the registration information. The sum of these scores is "22 points," and according to FIG. 10, the reliability corresponding to "22 points" is "slightly low," so the generation unit 106 generates reliability information indicating that the reliability of the registration information of vehicle v2 is slightly low.

[Generation of reliability information regarding registration information of user u1 (see FIG. 7)]
The generating unit 106 generates reliability information on the registration information of the user u1 in the same manner as the generation of reliability information on the registration information of the vehicle v1 described above. For the user u1, the "annual income" item is different between "4.5 million yen" in the credit information and "4.2 million yen" in the registration information. However, if the difference between the credit information and the registration information does not favor the user (for example, if the difference does not make the user appear to have more economic power than the user actually does), there may be cases where it is not necessary to evaluate the reliability as low due to the difference. Therefore, although the "annual income" item is inconsistent between the credit information and the registration information, a score of "10 points" may be determined. For the "age" item, the credit information and the registration information match at "35 years old," so a score of "10 points" is determined. For the "loan amount" item, the credit information and the registration information match at "0 yen," so a score of "10 points" is determined. The "payment delinquency" item is assigned a score of "2 points" because the credit information indicates "1 time" and the registered information indicates "no payment delinquency," which is different. The "financial assets" item is assigned a score of "10 points" because the credit information and registered information match with "investment trusts: total equivalent to 1 million yen." The "occupation" item is assigned a score of "10 points" because the credit information and registered information match with "civil servant." The sum of these scores is "52 points," and according to FIG. 10, the reliability corresponding to "52 points" is "very high," so the generation unit 106 generates reliability information indicating that the reliability of the registered information of user u1 is very high.

[Generation of reliability information regarding registration information of user u2 (see FIG. 8)]
The generating unit 106 generates reliability information on the registration information of the user u2 in the same manner as the generation of reliability information on the registration information of the vehicle v1 described above. For the user u2, the item "annual income" is significantly different between "3.5 million yen" in the credit information and "4.5 million yen" in the registered information, so a score of "0 points" is determined. The item "age" is different between "32 years old" in the credit information and "28 years old" in the registered information, so a score of "5 points" is determined. The item "loan amount" is different between "1 million yen" in the credit information and "850,000 yen" in the registered information, so a score of "2 points" is determined. The item "payment arrears" is the same as the credit information and the registered information for "3 times," so a score of "10 points" is determined. The item "financial assets" is different between "no financial assets" in the credit information and "investment trusts: equivalent to a total of 1 million yen" in the registered information, so a score of "0 points" is determined. The "occupation" item is different between "self-employed" in the credit information and "civil servant" in the registered information, so a score of "0 points" is determined. The sum of these scores is "17 points," and according to Fig. 10, the reliability corresponding to "17 points" is "low," so the generation unit 106 generates reliability information indicating that the reliability of the registered information of user u1 is low.

Next, the information processing device 1 transmits the reliability information regarding the registration information acquired in S2 to the car sharing system 4 via the output unit 108 (S14).

In summary, the information processing device 1 according to one embodiment of the present invention includes a registration information acquisition unit 100 that acquires registration information of at least one of a user and a vehicle from a car sharing system 4 that manages vehicles that can be traded between users, a vehicle information acquisition unit 102 that acquires vehicle information related to the vehicle from a vehicle information collection system 3, a credit information acquisition unit 104 that acquires credit information of the user from a credit information collection system 2, and an output unit 108 that outputs information related to the reliability of the registration information based on the vehicle information and the credit information.

5. Effects of the information processing device 1
The information processing device 1 can improve the convenience of vehicle transactions.

In the prior art, the car sharing system 4 was not able to evaluate the reliability of the registration information of the vehicles and users registered with the car sharing system 4. The information processing device 1 can provide the car sharing system 4 with information to be referenced in order to evaluate the reliability (i.e., reliability information).

This allows the car sharing system 4 to, for example, impose restrictions on the use of the service for users whose registration information is unreliable. Restrictions, for example, mean that the user will not be able to rent a vehicle that costs more than a certain amount.

In addition, the car sharing system 4 can impose restrictions on vehicles whose registration information is unreliable when registering them in the car sharing system 4. Restrictions, for example, can mean that the vehicle usage fee cannot be set higher than a certain amount.

In addition, the information processing device 1 can provide accurate reliability information to the car sharing system 4.

The information processing device 1 acquires vehicle information and credit information from a plurality of vehicle information collection systems 3 and a plurality of credit information collection systems 2, respectively. The plurality of vehicle information collection systems 3 may collect complementary information about the vehicle. For example, by acquiring vehicle information from a plurality of vehicle information collection systems 3 including a vehicle information collection system 3a that collects information about tires, a vehicle information collection system 3b that collects information about the engine, and a vehicle information collection system 3c that collects information about the body, it is possible to comprehensively acquire information about the entire vehicle. Similarly, the plurality of credit information collection systems 2 may collect complementary information about the user. For example, by acquiring credit information from a credit information collection system 2 including a credit information collection system 2a that collects information about bank accounts and a credit information collection system 2b that collects information about credit cards, it is possible to comprehensively acquire information about the user's asset holdings and cash flow, etc.

In this way, the information processing device 1 comprehensively acquires vehicle information and credit information, and is therefore able to evaluate registration information from a comprehensive perspective and provide more accurate reliability information to the car sharing system 4.

6. Modes for carrying out the invention
The above embodiment is a typical embodiment of the information processing device 1 according to one aspect of the present invention, but the following embodiments are also included in the present invention.

[Modification 1]
In the above embodiment, an example was described in which the vehicle registration information and the vehicle information have common items and each item can be simply compared (see Fig. 5 and Fig. 6), but this is not limited to this. With reference to Figs. 11 to 13, an example of a method for outputting reliability information in a case in which at least some of the items of the vehicle registration information and the vehicle information are not common will be described.

FIG. 11 is a diagram showing the registration information of the vehicle v3. The registration information of the vehicle v3 includes the “year of manufacture”,
The items “mileage” and “condition” are associated with the values “2012”, “70,000 km”, and “very good”, respectively. In other words, the user who registered vehicle v3 has registered vehicle v3 in the car sharing system 4 as being in “very good” condition.

12 is a diagram showing the vehicle information of vehicle v3. In the vehicle information of vehicle v3, the following values are associated with the items "manufacturing year", "mileage", "battery depletion", "brake depletion", "number of vehicle inspections", "time of most recent vehicle inspection", "repair history", "unrepaired parts", and "number of accidents": "2012", "70,000 km", "40%, "50%, "8 times", "February 2018 (invalid)", "no repair history", "headlight out, scratches on right side of vehicle body", and "3 times". Comparing FIG. 11-12, the registration information of vehicle v3 and the vehicle information of vehicle v3 do not share some items in common. In other words, the registration information of vehicle v3 includes an item (in this example, the "status" item) that cannot be compared with the vehicle information of vehicle v3.

FIG. 13 is a flowchart for explaining an example of a method for generating reliability information when the vehicle registration information and the vehicle information do not have at least some items in common. In FIGS. 11 and 12, the registration information of vehicle v3 has an item called "status", while the vehicle information of vehicle v3 does not have an item called "status". Therefore, the information processing device 1 may estimate a value corresponding to the "status" item based on the vehicle information of vehicle v3, and generate reliability information based on the estimated "status" and the "status" in the registration information of vehicle v3. Note that the process in the flowchart of FIG. 12 is an example of the process performed in S12 in the sequence diagram of FIG. 4.

First, the information processing device 1 determines whether there are any unrepaired parts based on the vehicle information of vehicle v3 (S120b). According to the vehicle information of vehicle v3 in FIG. 12, the value "Headlight out, Scratch on right side of vehicle body" is associated with the "Unrepaired parts" item. In other words, the information processing device 1 determines that there are any unrepaired parts in vehicle v3 (S120b YES).

Next, the information processing device 1 determines whether the battery depletion is less than 20% based on the vehicle information of vehicle v3 (S126b). According to the vehicle information of vehicle v3 in FIG. 12, the value "40%" is associated with the "battery depletion" item. In other words, the information processing device 1 determines that the battery depletion of vehicle v3 is not less than 20% (S126b NO).

Next, the information processing device 1 determines whether the vehicle inspection is valid or not based on the vehicle information of vehicle v3 (S132b). According to the vehicle information of vehicle v3 in FIG. 12, the value "February 2018 (invalid)" is associated with the item "Last inspection date". In other words, the information processing device 1 determines that the vehicle inspection of vehicle v3 is not valid (S132b NO). Therefore, the information processing device 1 estimates that the value corresponding to the item "Condition" of vehicle v3 is "Very bad" (S136b).

Next, the information processing device 1 generates reliability information regarding the registration information of vehicle v3 based on the value corresponding to the estimated "state" and the value associated with the "state" of the registration information (S138b). In this example, even though the value "very good" is associated with the "state" in the registration information of vehicle v3 (see FIG. 11), the value corresponding to the "state" estimated based on the vehicle information of vehicle v3 is "very bad" (see FIG. 12-FIG. 13). Therefore, the information processing device 1 generates, by the generation unit 106, reliability information indicating that the reliability of the registration information of vehicle v3 is low.

To summarize the embodiment described with reference to Figures 11 to 13, the information processing device 1 may appropriately process at least one of the vehicle registration information and the vehicle information so that the vehicle registration information and the vehicle information can be compared.

Note that in this example, reliability information regarding vehicle registration information is generated by processing vehicle information, but reliability information regarding user registration information may be generated by processing credit information in a similar manner.

[Modification 2]
In the above embodiment, the reliability information has been described as including information on six levels of reliability of registered information ranging from "very high" to "very low" (see FIG. 10), but is not limited thereto. With reference to FIG. 14, an aspect will be described in which the reliability information includes information indicating a relative relationship between the reliability of registered information of a specific user and the reliability of registered information of one or more users other than the specific user.

Figure 14 is a diagram showing an example of reliability information for a specific user in a case where the score for the reliability of the registered information of the specific user is calculated to be "50 points," and the scores for the reliability of the registered information of one or more users other than the specific user are calculated to be "30 points," "45 points," "40 points," etc., respectively. Note that the score for the reliability of the registered information of each user may be calculated using the method described with reference to Figure 9.

In FIG. 14, the score (i.e., "50 points") for the reliability of the registered information of a specific user is converted to a standard deviation of "65". In this case, the information processing device 1 may output reliability information indicating that the standard deviation for the reliability of the registered information of the specific user is "65" via the output unit 108. The car sharing business operator who has acquired the reliability information can understand that the reliability of the registered information of the specific user is higher than the general level of reliability of the registered information of other users.

Even if a car sharing operator obtains reliability information including information on the score calculated by the method described with reference to FIG. 9, there are cases where the operator is unable to determine whether the score is high or low compared to the general standard (i.e., whether the user's registered information is trustworthy or not). In contrast, by including information on the reliability of the user relative to other users in the reliability information, the car sharing operator can more easily use the reliability information in the services it provides.

In this example, the reliability information is described as including a standard deviation value regarding the reliability of the user's registered information, but the reliability information may also include a standard deviation value regarding the reliability of the vehicle's registered information. In addition, the standard deviation value may be replaced with other measures for expressing a relative degree (e.g., a rank, a ratio, etc.).

[Modification 3]
In the above embodiment, the method of generating reliability information on the registration information of the vehicle based on the vehicle information (see FIG. 5-FIG. 6) and the method of generating reliability on the registration information of the user based on the credit information (see FIG. 7-FIG. 8) are described, but the present invention is not limited to this. Specifically, reliability information on at least one of the registration information of the vehicle and the registration information of the user may be generated based on both the vehicle information and the credit information.

Figure 15 is a diagram illustrating an example of a method for generating reliability information regarding the registration information of vehicle v4 based on the vehicle information of vehicle v4 and the credit information of user u4, who is the owner of vehicle v4.

In the registration information of vehicle v4, values are associated with each of the following items: "Year of manufacture," "Mileage," "Time of most recent vehicle inspection," "Repair history," "Unrepaired areas," "Number of accidents," and "Car loan." On the other hand, in the vehicle information of vehicle v4, no value is associated with the "Car loan" item. In other words, the reliability of the value associated with the "Car loan" item in the registration information of vehicle v4 cannot be evaluated based on the vehicle information of vehicle v4.

The information processing device 1 may therefore determine whether the value associated with the "car loan" item in the registration information of vehicle v4 is reliable by referring to the value associated with the "car loan" item in the credit information of user u4. In this example, the value "unpaid" is associated with the "car loan" item in the credit information of user u4, while the value "paid in full" is associated with the same item in the registration information of vehicle v4. In other words, by referring to the credit information of user u4, the information processing device 1 can evaluate that the value associated with the "car loan" item in the registration information of vehicle v4 is unreliable.

As with the "car loan" information in this example, the credit information may contain information that can be used to evaluate the reliability of the vehicle's registration information. That is, by referencing the credit information in addition to the vehicle information, reliability information regarding the vehicle's registration information can be generated with greater accuracy.

Figure 16 is a diagram illustrating an example of a method for generating reliability information regarding the registration information of user u5 based on vehicle information of vehicle v5 and credit information of user u5, who is the owner of vehicle v5.

In the registered information of user u5, values are associated with each of the following items: "Annual income," "Age," "Loan amount," "Arrears," "Financial assets," "Occupation," and "Number of accidents." On the other hand, in the credit information of user u5, no value is associated with the "Number of accidents" item. In other words, the reliability of the value associated with the "Number of accidents" item in the registered information of user u5 cannot be evaluated based on the credit information of user u5.

The information processing device 1 may therefore evaluate whether the value associated with the "Number of Accidents" item in the registration information of user u5 is reliable by referring to the value associated with the "Number of Accidents" item in the vehicle information of vehicle v5. In this example, the value "2 times" is associated with the "Number of Accidents" item in the vehicle information of vehicle v5, while the value "0 times" is associated with the same item in the registration information of user u5. In other words, by referring to the vehicle information of vehicle v5, the information processing device 1 can evaluate that the value associated with the "Number of Accidents" item in the registration information of user u5 is unreliable.

As with the information about "accident information" in this example, the vehicle information may include information that can be used to evaluate the reliability of the user's registered information. That is, by referencing the vehicle information in addition to the credit information, reliability information about the user's registered information can be generated with greater accuracy.

[Other Modifications]
The above embodiments may be combined, modified, or deleted based on the knowledge of a person skilled in the art to the extent that no contradiction occurs. The above embodiments are merely examples, and do not limit the content of the present invention.

The information processing device 1 in the above embodiment may be composed of a combination of multiple devices. Alternatively, for example, the information processing device 1 may be part of another device. Similarly, the program executed by the information processing device 1 may be composed of a combination of multiple programs, and each of the multiple programs may be stored in a different device. Alternatively, the program executed by the information processing device 1 may have functions other than those described in the above embodiment.

In the above embodiment, the reliability information is described as being generated for each vehicle or user, but this is not limited to the above. Specifically, the reliability information may be generated for each item of the registration information of the vehicle or user. For example, when the items of the registration information of a vehicle are "manufacturing year", "mileage", and "repair history", reliability information regarding the registration information of "manufacturing year", reliability information regarding the registration information of "mileage", and reliability information regarding the registration information of "repair history" may be generated. For example, with reference to the registration information of vehicle v2 (see FIG. 6), the scores associated with "manufacturing year", "mileage", and "repair history" for vehicle v2 are "2 points", "0 points", and "10 points", respectively, so the information processing device 1 may generate reliability information indicating that the reliability of the registration information regarding "manufacturing year" and "mileage" is low and the reliability of the registration information regarding "repair history" is high.

In the above embodiment, the car sharing system 4, the vehicle information collection system 3, the credit information collection system 2, and the information processing device 1 have been described as being owned by a car sharing operator, a vehicle information collection business operator, a credit information collection business operator, and a party other than the car sharing operator, respectively, but this is not limited to this. For example, the information processing device 1 may be owned by the car sharing operator.

In the above embodiment, acquiring information includes making the information processable by the control unit 10. Acquiring information includes, for example, receiving the information from another device, generating the information, and reading the information from the storage unit 14.

The following embodiments are also included in the present invention:

[Appendix 1]
An information processing device 1 according to one embodiment of the present invention includes a registration information acquisition unit 100 that acquires registration information of at least one of a user and a vehicle from a management system (corresponding to a car sharing system 4) that manages vehicles that can be traded between users, a vehicle information acquisition unit 102 that acquires vehicle information related to the vehicle from a first collection system (corresponding to a vehicle information collection system 3) different from the management system, a credit information acquisition unit 104 that acquires credit information of users from a second collection system (corresponding to a credit information collection system 2) different from the management system, and an output unit 108 that outputs information related to the reliability of the registration information based on the vehicle information and the credit information.

[Appendix 2]
In Supplementary Note 1, the vehicle information may include information regarding the state of the vehicle.

[Appendix 3]
In Appendix 2, the information regarding the condition of the vehicle may include information regarding at least one of when the vehicle was manufactured, the condition of the battery installed in the vehicle, the number of times the vehicle has been inspected, when the vehicle was most recently inspected, and the repair history of the vehicle.

[Appendix 4]
In any one of Supplementary Note 1 to Supplementary Note 3, the credit information may include information regarding at least one of the user's annual income, the user's age, and the user's financial transactions.

[Appendix 5]
In Appendix 4, the information regarding the financial transaction may include information regarding at least one of the user's loan amount, the user's overdue payments on the loan, and the user's financial assets.

[Appendix 6]
In any one of Supplementary Notes 1 to 5, the information regarding the reliability of the registration information of a specific user output by the output unit 108 may include information indicating a relative relationship between the reliability of the registration information of the specific user and the reliability of the registration information of one or more users excluding the specific user.

[Appendix 7]
In any one of Supplementary Notes 1 to 6, the information regarding the reliability of the registration information of a specific vehicle output by the output unit 108 may include information indicating a relative relationship between the reliability of the registration information of the specific vehicle and the reliability of the registration information of one or more vehicles excluding the specific vehicle.

[Appendix 8]
In any one of Supplementary Notes 1 to 7, the information regarding the reliability of the registration information may include a step indicating a degree to which the registration information is reliable or not.

[Appendix 9]
In any one of Supplementary Note 1 to Supplementary Note 8, the vehicle information acquisition unit 102 may acquire the vehicle information from each of the multiple first collection systems.

[Appendix 10]
In any one of Supplementary Note 1 to Supplementary Note 9, the credit information acquisition unit 104 may acquire credit information from each of the multiple second collection systems.

[Appendix 11]
A program according to one aspect of the present invention causes a computer to function as: a registration information acquisition means for acquiring registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users; a vehicle information acquisition means for acquiring vehicle information related to the vehicle from a first collection system different from the management system; a credit information acquisition means for acquiring credit information of the user from a second collection system different from the management system; and an output means for outputting information related to the reliability of the registration information based on the vehicle information and the credit information.

[Appendix 12]
An information processing method according to one aspect of the present invention has a computer 30 execute the steps of: acquiring (S2) registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users; acquiring (S6) vehicle information related to the vehicle from a first collection system different from the management system; acquiring (S10) credit information of the user from a second collection system different from the management system; and outputting (S14) information related to the reliability of the registration information based on the vehicle information and the credit information.

1... Information processing device, 10... Control unit, 14... Storage unit, 100... Registration information acquisition unit, 102... Vehicle information acquisition unit, 104... Credit information acquisition unit, 108... Output unit

Claims (12)

a registration information acquisition unit that acquires registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users;
a vehicle information acquisition unit that acquires vehicle information related to the vehicle from a first collection system different from the management system;
a credit information acquisition unit that acquires credit information of the user from a second collection system different from the management system;
an output unit that outputs information regarding the reliability of the registration information based on the vehicle information and the credit information;
An information processing device comprising: The information processing device according to claim 1, wherein the vehicle information includes information regarding the state of the vehicle. The information processing device according to claim 2, wherein the information regarding the condition of the vehicle includes at least one of information regarding the time when the vehicle was manufactured, the condition of the battery installed in the vehicle, the number of times the vehicle has been inspected, the time of the most recent inspection of the vehicle, and the repair history of the vehicle. The information processing device according to claim 1, wherein the credit information includes information regarding at least one of the user's annual income, the user's age, and the user's financial transactions. The information processing device according to claim 4, wherein the information regarding the financial transaction includes information regarding at least one of the user's borrowing amount, the user's overdue payments regarding the borrowing, and the user's financial assets. The information processing device according to claim 1, wherein the information on the reliability of the registration information of the specific user output by the output unit includes information indicating a relative relationship between the reliability of the registration information of the specific user and the reliability of the registration information of one or more users other than the specific user. The information processing device according to claim 1, wherein the information on the reliability of the registration information of a specific vehicle output by the output unit includes information indicating a relative relationship between the reliability of the registration information of the specific vehicle and the reliability of the registration information of one or more vehicles other than the specific vehicle. The information processing device according to claim 1, wherein the information regarding the reliability of the registration information includes a step of indicating the degree to which the registration information is reliable. The information processing device according to claim 1, wherein the vehicle information acquisition unit acquires the vehicle information from each of the first collection systems. The information processing device according to claim 1, wherein the credit information acquisition unit acquires the credit information from each of the second collection systems. Computer,
a registration information acquisition means for acquiring registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users;
a vehicle information acquisition means for acquiring vehicle information relating to the vehicle from a first collection system different from the management system;
A credit information acquisition means for acquiring credit information of the user from a second collection system different from the management system;
an output means for outputting information regarding the reliability of the registration information based on the vehicle information and the credit information;
A program that functions as a On the computer,
acquiring registration information of at least one of a user and a vehicle from a management system that manages vehicles that can be traded between users;
acquiring vehicle information about the vehicle from a first collection system that is different from the management system;
acquiring credit information of the user from a second collection system different from the management system;
outputting information regarding the reliability of the registration information based on the vehicle information and the credit information;
An information processing method.

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