JP7579895B2 - A service provision system that provides services linked to a financial asset management system - Google Patents

Description

The present invention relates to a technology for providing services in cooperation with a financial asset management system.

PFM (Personal Financial Management) systems that consolidate account information from various financial institutions such as banks, securities, and insurance companies to centrally manage personal assets are becoming widespread. Patent Document 1 discloses technology related to the PFM system. By using the PFM system, it is possible to accurately grasp personal assets.

In addition, accounting systems similar to PFM already exist that provide integrated management of a company's income and expenditures, financial status, and asset status.

JP 2016-149103 A

Regarding new services that use information obtained from the PFM system or accounting system,
No proposal has been made so far.

A service provision system according to one embodiment of the present invention includes an acquisition unit that acquires a user's financial asset information from a financial asset management system that manages financial asset information that aggregates multiple types of financial information, and a matching unit that matches lender users with borrower users based on the financial asset information.

According to the present invention, it is possible to provide new services using information obtained from a PFM system or an accounting system.

FIG. 1 is a diagram illustrating an example of an overall system configuration including a service providing system. FIG. 13 is a diagram showing an example of a screen displayed on a user terminal. FIG. 11 is a diagram illustrating an example of PF information. FIG. 13 is a diagram showing an example of a screen displayed on a user terminal. FIG. 1 is a diagram showing an example of the concept of microfinance. FIG. 13 is a diagram illustrating an example of matching a lender user with a recipient user. FIG. 2 illustrates an example of segmentation. 13 is a flowchart illustrating an example of a matching process. FIG. 13 is a diagram showing an example of a screen displayed on a display unit of a lender's user terminal. FIG. 1 is a diagram illustrating a risk premium. FIG. 11 is a diagram showing an example of information made public by an information providing unit. FIG. 13 is a diagram showing an example of information disclosure.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. Note that the configurations described in the following embodiments are merely examples, and the present invention is not limited to the configurations shown in the drawings.

<<Terminology explanation>>
First, the terms used in this specification will be explained.

PFM (Personal Financial Management): The centralized management of an individual's assets by consolidating account information from various financial institutions such as banks, credit companies, securities, and insurance companies.

PF (Personal Financial) information: Information obtained in a PFM system that performs PFM. The PFM system aggregates information in cooperation with the servers of various financial institutions, and PF information refers to information obtained from multiple types of financial institutions in this way. PF information includes, for example, information on deposits and withdrawals such as daily household finances. This deposit and withdrawal information includes details such as use and details. PF information also includes information on various financial assets such as deposits, stocks, and investment trusts.

Lending: Connecting people and companies who want to lend (invest) money with people and companies who want to borrow money.

Robo-advisor: A service in which a computer automatically manages assets according to the investor's (lender's) profile. In general, the investor's (lender's) profile is determined by the investor answering a number of questions.

Service provision system: A system that provides the main services described in this specification. For example, services such as lending and robo-advisor are provided.

Lending money: This refers to providing funds for the services (lending, robo-advisor) provided by the service provision system. In this specification, similar expressions include investment,
Various expressions may be used depending on the situation, such as investment, lending, financing, and debt purchase.

Borrow money: This refers to receiving the above funds through the services provided by the service delivery system.

Lender user n: A set of users who want to lend money, or a set of users who have already lent money. When simply written as "lender user", it may refer to a single lender user or multiple lender users.

Borrower user m: A group of users who want to borrow money, or a group of users who have already borrowed money. When simply written as "borrower user", it may refer to a single borrower user or multiple borrower users.

<<Table of Contents>>
The table of contents of this specification is given below.

1. System configuration
<2. Information obtained from PFM system/accounting system>
<2-1. Information about the lender>
<2-2. Borrower information>
<2-3. Speculative information regarding lenders or borrowers>
<3. Lending>
<3-1. Borrower Segmentation>
<3-1-1. Microfinance>
<3-1-2. Matching examples>
<3-1-3. Segmentation examples>
<3-1-4. Matching processing sequence>
<3-1-5. Matching UI screen>
<3-1-6. Expected rate of return>
<3-2. Segmentation of lenders>
<3-3. Lending for specific purposes (lender side)>
<3-4. Lending for specific purposes (borrower side)>
<3-5. Management of borrower repayment status>
<3-6. Setting conditions (lender's side)>
<3-7. Setting conditions (borrower's side)>
<3-8. Matching>
<3-9. Borrower (singular, plural) vs. Lender (singular, plural)>
<3-10. Publication system>
<3-11. Application to AI>
4. Robo-advisors
<4-1. Selection of surplus assets>
<4-2. Application to AI>
<4-3. Advice linked to interest rate information>
<4-4. Display function>
The following embodiment will be described according to the above table of contents. Here, a configuration using a PFM system will be described, but a system using an accounting system instead of a PFM system can be configured in the same way. The accounting system has functions such as creating invoices and estimates, managing accounts receivable and payable, processing reconciliation, outputting accounting analysis reports, and accounting books.

1. System configuration
FIG. 1 is a diagram showing an example of an overall system configuration including a service providing system 100 according to the present embodiment. This system includes the service providing system 100 and a PFM system 1.
50 , a user terminal 160 , and a financial institution server 180 .

The service providing system 100 communicates with the PFM system 15 via various communication networks.
0 and a user terminal 160. Although not shown in the figure, the service providing system 100
may be connected to the financial institution server 180 via a communication network. The configuration of the service providing system 100 will be described later.

The PFM system 150 is a system that provides PFM services, and is a collective term for various databases and servers related to PFM. The PFM system 150 includes financial institution servers 180, which are servers of various financial institutions such as banks, credit companies, and securities companies.
via a communication network. In response to a request from a user, the PFM system 150 acquires the user's deposit/withdrawal information and financial asset information from each of the financial institution servers 180 on behalf of the user. The PFM system 150 integrates the various types of deposit/withdrawal information and financial asset information acquired. Then, in response to a request from the user terminal 160, the PFM system 150 transmits the integrated information (PF information) to the user terminal 160. In this embodiment, the PFM system 150 also transmits the PF information to the user terminal 160 in response to an instruction from the user terminal 160 or in response to a request from the service providing system 100.
In response to an instruction from the service provider system 100, the service provider system 100 transmits the PF information to the service provider system 100.

The user terminal 160 is a general term for terminals used by lender users and borrower users. Note that a lender user may be a borrower user in some situations,
A borrower user may also be a lender user in some situations. A plurality of users may share one user terminal 160, or one user may use multiple user terminals 160.
60 may be used. The user terminal 160 may be any type of terminal, such as a personal computer, a tablet, or a mobile terminal. The service providing system 100 and the PFM system 150 manage users by logging in, and provide unique services to the logged-in users.

As described above, the financial institution server 180 is a server of various financial institutions. The financial institution server 180 is a general term for the servers of a wide variety of financial institutions.

The service providing system 100, the PFM system 150, and the financial institution server 180 in this embodiment can be realized as an information processing device. The information processing device may have a CPU, a memory, a HDD, and a network interface. Various processes performed in each system (and server, the same applies below) can be realized, for example, by temporarily reading a program stored in the HDD of each system into memory, and having the CPU execute the program read into the memory.

Next, a configuration of the service providing system 100 will be described. The service providing system 100 has a control unit 101, a PF information acquisition unit 102, an asset identification unit 103, a determination unit 104, a matching unit 105, a classification unit 106, a management unit 107, an instruction transmission unit 108, an instruction reception unit 109, an information provision unit 111, a contract processing unit 112, a model construction unit 113, a learning model 114, and an asset management support processing unit 115.

As described above, each unit of the service providing system 100 shown in FIG. 1 temporarily reads out a program stored in a HDD (not shown) of the service providing system 100 into a memory,
The CPU constituting the control unit 101 may execute a program read into the memory constituting the control unit 101, so that the CPU functions as each unit shown in FIG. 1. At least some of the units shown in FIG. 1 may be realized by a plurality of information processing devices connected to each other via various networks. At least some of the units shown in FIG. 1 may be realized by distributed processing by a plurality of information processing devices. The information processing device may execute processing according to a program downloaded from a cloud server (not shown) or the like. FIG. 1 shows only one example of the configuration, and other configurations may be included. Not all of the configurations shown in FIG. 1 are necessarily essential requirements.

The control unit 101 performs various controls of the service providing system 100. The control unit transmits information and data to each unit of the service providing system 100,
The CPU 100 also controls the overall processing of the CPU 100.

The PF information acquisition unit 102 acquires PF information from the PFM system 150. The PF information of each user may be sent from the PFM system 150 in response to an instruction from the user terminal 160. Alternatively, a user may perform a login process to the service providing system 100 from the user terminal 160, transfer the authority of the user to the service providing system 100, and the PF information acquisition unit 102 may access the PFM system 150 on behalf of the user to acquire the PF information of the user. The acquired PF information may be the PF information of a lender user or the PF information of a borrower user.

The asset identifying unit 103 identifies an asset based on the PF information acquired by the PF information acquiring unit 102. The asset identifying unit 103 may identify an asset based on information obtained directly from the PF information, or may identify an asset based on information obtained indirectly from the PF information (e.g., inferred information).

The determination unit 104 performs various determination processes.

The matching unit 105 performs a process of connecting borrower users and lender users. The matching unit 105 can connect borrower users and lender users according to various conditions. Details will be described later.

The classification unit 106 performs various classifications (also called segmentation). For example, the classification unit 106 may segment borrower users or lender users. Alternatively, the classification unit 106 may classify assets of users.

The management unit 107 performs various management operations. For example, the management unit 107 manages each user. The management unit 107 also manages contracts between lenders and borrowers connected through lending. The management unit 107 also manages various types of funds used in lending. In this way, the management unit 107 manages various types of data and information.

The instruction transmission unit 108 transmits instructions to the PFM system 150, the user terminal 160, the financial institution server 180, and the like.

The instruction receiving unit 109 receives instructions from the PFM system 150, the user terminal 160, the financial institution server 180, and the like.

The information providing unit 111 provides various information to the user terminals 160 of the lender users and the borrower users. The information providing unit 111 may transmit information in response to a request from the user terminals 160 of the lender users and the borrower users. The information providing unit 111 may also notify the user terminals 160 of various notifications.

The contract processing unit 112 performs various processes when a contract is concluded or changed.

The model construction unit 113 constructs a learning model 114 based on various data.

The learning model 114 is constructed by the model construction unit 113. When various data are input to the constructed learning model 114, data corresponding to the input data is output.

The asset management support processing unit 115 performs processing to support asset management, for example, executing a robo-advisor service.

In the following description, the user sends various instructions to the service providing system 100 using the user terminal 160, and the user accesses the service providing system 100 through the user terminal 160.
The following description will be given on the assumption that the service provider system 100 receives various information and data from the service provider system 100. In the following description, the content will be emphasized and the description may be simplified.
The expression "send an instruction to the service providing system 100" means "the user inputs an instruction to the user terminal 160, and the user terminal 160 to which the instruction has been input transmits the instruction to the service providing system 100."
In addition, an expression such as "the user receives information or data from the service providing system 100 (or each unit included in the service providing system)" is intended to include the meaning that "information is sent from the service providing system 100 to the user terminal 160 used by the user, and the user checks the information or data displayed on the display screen of the user terminal 160." Similarly, an expression such as "the user provides funds" is intended to include the meaning that "the user receives information or data from the service providing system 100 (or each unit included in the service providing system)" is intended to include the meaning that "information is sent from the service providing system 100 to the user terminal 160 used by the user, and the user checks the information or data displayed on the display screen of the user terminal 160."
This includes the meaning that "the user inputs an instruction to provide funds into the user terminal 160, the user terminal 160 transmits the instruction to the service providing system 100, and the service providing system 100 performs processing to provide funds in accordance with the instruction." The same applies to other processes such as "the user transfers a claim."

2. Information obtained from the PFM system
Next, a description will be given of information obtained from the PFM system 150. That is, a description will be given of the PF information obtained by the PF information obtaining unit 102.

<2-1. Information about the lender>
The PF information acquisition unit 102 acquires PF information related to the user of the user terminal 160. For example, the user A instructs the PFM system 150 through the user terminal 160 to transmit the PF information of the user A to the service providing system 100.
In response to this instruction, the service providing system 100 transmits the PF information of the user A to the service providing system 100. The PF information acquiring unit 102 can acquire the PF information transmitted in this manner. Alternatively, the user A may transfer the authority over the PFM system 150 of the user A to the service providing system 100, and the PF information acquiring unit 102 may transmit a request to transmit the PF information of the user A to the PFM system 150 on behalf of the user A.

The PF information acquisition unit 102 only needs to acquire the PF information of the user, and does not need to acquire detailed information. For example, the bank name, account number, credit card number, telephone number, date of birth,
Information that can identify an individual, such as an address, does not need to be obtained from the PFM system 150. If such information is included in the information obtained from the PFM system 150,
The PF information acquisition unit 102 may acquire this information after applying appropriate masking processing. In addition, the deposit and withdrawal information in the PF information may include the store name, for example, AAA store. An individual may be identified from such information.
The information acquiring unit 102 may acquire information in which the category name (e.g., restaurant) is replaced with the category name. Such information rewriting may be performed by the PFM system 150 or may be performed by the service providing system 100 (e.g., the PF information acquiring unit 102).

2 shows an example of a screen 200 that is displayed when a user A logs in to the service providing system 100 using the user terminal 160. For example, a login request instruction from the user A is sent from the user terminal 160 to the service providing system 100.
receives this login request instruction. When the control unit 101 identifies the user as being managed by the management unit 107, it transmits a screen as shown in FIG. 2 to the user terminal 160 via the information providing unit 111. User A selects each operation button displayed on the user terminal 160 by clicking or tapping (hereinafter collectively referred to as pressing), and an instruction corresponding to the operation button is transmitted from the user terminal 160 to the service providing system 100. Then, a screen corresponding to the instruction is transmitted from the information providing unit 111 to the user terminal 160 and displayed. When the button 210 on the screen 200 is selected by the user, a surplus asset confirmation process is executed in the service providing system 100.

When the instruction to confirm surplus assets is received by the instruction receiving unit 109, the control unit 101 causes the asset identifying unit 103 to perform processing to identify assets. The asset identifying unit 103 acquires PF information of the logged-in user A from the PF information acquiring unit 102. Then, the control unit 101 identifies surplus assets of user A based on the acquired PF information.

FIG. 3 is a diagram showing an example of PF information. As shown in FIG. 3, the PF information includes a history of daily deposits and withdrawals (PF information I1). The PF information I1 includes detailed details (for example,
The PF information may also include information about the user A's financial assets (such as the name of the store where the purchase was made, etc.). The PF information also includes not only a deposit and withdrawal history, but also information on various financial assets held by user A, such as savings, stocks, and investment trusts (PF information I2). The asset identification unit 103 can identify surplus assets using such PF information. The PF information can identify the user's assets as well as their daily income and expenditure, making it possible to accurately identify the surplus assets of each user. Information provision unit 111
The information indicating the assets identified by the asset identification unit 103 is transmitted to the user terminal 16 of the user A.
It can be sent to 0.

4 is a diagram showing an example of a screen displayed on the user terminal 160. For example, as shown in FIG. 4, the information providing unit 111 can identify the surplus assets for each month and notify the user, or can notify the user that the surplus assets for this month have increased because there was a special unexpected income in this month compared to other months. This allows user A to objectively grasp his/her own surplus assets.

<2-2. Borrower information>
As described above, the PF information is information that can be obtained for both borrower users and lender users. From the perspective of the borrower user, since the borrower user is in a position to repay the borrowed money, it is preferable that the expenditure is made with the repayment in mind. By using the PF information, it is possible to determine whether the borrower user is making appropriate repayments or whether he or she is likely to be able to make repayments. That is, the determination unit 104 can refer to the PF information acquired by the PF information acquisition unit 102 as necessary to determine whether an undesirable state has occurred. For example, it is not preferable to become a borrower user in order to repay a debt. Therefore, the determination unit 104 can refer to the PF information and determine that a user who has many debt repayments is not recognized as a borrower user.

<2-3. Speculative information regarding lenders or borrowers>
The asset identification unit 103 can also identify assets that are not included in the PF information by referring to the PF information. For example, it can identify assets such as real estate and automobiles.
The information includes details of deposits and withdrawals. For example, by referring to these details, if user A pays property tax, the asset identification unit 103 can estimate that user A owns real estate. Also, if user A pays automobile tax, the asset identification unit 103 can estimate that user A owns an automobile. Also, the amount of payment can be used to estimate a rough estimate of the assets. In this way, the asset identification unit 103 can identify user A's surplus assets by using various information included in the PF information.

For example, if user A becomes a lender, this surplus asset can be reasonably invested (invested, lent)
This is the amount that can be repaid without difficulty if, for example, user A becomes the borrower. Here, an example is shown in which it is uniformly displayed as surplus assets, but
User A may display different amounts of surplus assets depending on whether he is a borrower or a lender.

In this way, since surplus assets are identified based on the PF information, the user can easily confirm how much he or she can lend or borrow. In particular, by using the PF information, the income and expenditure of daily life can be accurately grasped, so that appropriate surplus funds can be identified. For example, it is possible to identify from the PF information whether a certain income is regular income or temporary income.

<3. Lending>
As described above, by using the PF information, the income and expenditure of the user can be accurately understood by both the user himself and the service providing system 100. As a result, it becomes possible to provide new services. For example, it is possible to attract potential users who have not been interested in investments until now. In addition, by using the PF information, it is possible to present each user with an amount of money (surplus funds) that allows for investments and the like with a margin. Such surplus funds, by their very nature, have different characteristics from funds provided to existing financial services. Specifically, in extreme cases, surplus funds are funds that the user does not mind losing. By using such surplus funds, it becomes possible to provide various services.

The following describes a form of lending service in which the service providing system 100 connects people and companies wanting to lend money with people and companies wanting to borrow money. A user who wants to lend money presses button 220 in FIG. 2 to become the subject of various processes described below as a lender user. A borrower user who wants to borrow money presses button 230 in FIG. 2 to become the subject of various processes described below as a borrower user. Note that the screen in FIG. 2 is merely an example and is not limited to this.

<3-1. Borrower Segmentation>
First, segmentation of borrower users will be described. Segmentation means classification into a certain unit. In this embodiment, the classification unit 106 classifies (segments) the users managed by the management unit 107 using PF information. By using the PF information, it is possible to classify users into various types, such as whether or not they have a stable lifestyle and whether or not they own real estate. Users who have a stable lifestyle and users who own real estate are more likely to repay if they become borrowers. In other words, they are less likely to default on their debts without repaying them.
In this way, borrowers can be segmented according to their likelihood of repaying and interest rates can be set accordingly.

When lending money, a lender user may specify an arbitrary segment and decide to lend to a borrower who belongs to that segment. When a lender specifies a segment, the matching unit 105 performs a matching process to match the lender with a borrower (a user who wishes to borrow money) who belongs to that segment. When a match is made, the matching unit 105 connects the lender and borrower. In other words, the matching unit 105 sends information about the lender and borrower who have been matched to the contract processing unit 112. The contract processing unit 112 then
When a match is made, the lender user A and the borrower user B mediate the lending and borrowing of money between them.

The lending and borrowing of money can be realized by various methods. For example, the service providing system 100 may, on behalf of the lender user A, perform a remittance process from the financial institution server 180 in which the lender user A's account exists to the financial institution server 180 in which the borrower user B's account exists. Alternatively, the service providing system 100 may receive the loan from the financial institution server 180 of the lender user A. In other words, once the service providing system 100
The service providing system 100 may then transfer the funds to the borrower user B.
Alternatively, the service providing system 1 may perform the remittance process to the financial institution server 180.
00 may perform the above-mentioned remittance process through the PFM system 150. In this embodiment, money may be lent or borrowed in any form.

<3-1-1. Microfinance>
Next, a detailed example of segmentation will be described. As explained above, it is expected that by using PF information, not only existing investment users but also users who have never considered investing before will be motivated to invest. In other words, the base of users who invest will be broadened. This is because, from the daily income and expenditure, an amount that will not have a large impact if it is lost,
This is because each user can understand it. Until now, users who have relatively large assets have often made investments, but if they can properly understand their own assets, even users who do not have large assets can understand the amount to make a small investment.

Here, according to the processing by the matching unit 105 of the service providing system 100, matching under various conditions becomes possible. For example, it is possible to collect a small amount of funds in a large amount. It is possible to carry out so-called microfinance (small-scale finance). Although microfinance is sometimes used to mean a loan to the poor, in this embodiment, it is used simply to mean finance using a small amount of funds. For example, until now, there were only a limited number of users who could invest one million yen, but with microfinance, if 1,000 users who invest, for example, 1,000 yen, gather, it becomes possible to invest the same amount. Moreover, such investment using a small amount of funds has various advantages compared to the case where one user invests. A detailed explanation will be given below.

FIG. 5 is a diagram showing an example of the concept of microfinance. In FIG. 5(a), the horizontal axis indicates the investment amount, and the vertical axis indicates the tolerable default risk. In FIG. 5(b), the horizontal axis indicates the investment amount, and the vertical axis indicates the risk premium that lender users are willing to invest. The risk premium is the excess return (additional return) that is required for an investment that includes risk and corresponds to the amount of risk.

FIG. 5(a) shows that the larger the investment amount, the lower the tolerable default risk. In other words, this shows that when a lender user invests a large amount of money, they tend to want to invest in projects that are less likely to be repaid. In other words, in short, if they are going to invest a large amount of money, they tend to want to invest in projects that are more likely to be repaid.
On the other hand, when investing small amounts, the lender user may feel that it is okay to invest in a project that is likely not to be repaid. For example, if the amount is small, such as 100 or 1,000 yen, in extreme cases, the lender may feel that it is okay if the money is not repaid.

FIG. 5(b) shows that the higher the investment amount, the higher the risk premium that makes the user want to invest. In other words, it shows the psychology of the lender user who expects a large increase in the amount invested when investing a large amount of money. On the other hand, when making a small investment, it shows the psychology of the lender user that it does not matter if the increase in the amount invested is not so large. For example, when investing a small amount such as 100 yen or 1,000 yen, the lender user does not care if the risk premium for the investment amount is 3%, 5%, or 10%. On the other hand, when investing a large amount such as 1 million yen or 10 million yen, the risk premium becomes an important factor for the lender user in terms of investment. Thus, if
Even for the same person, the default risk that they are willing to tolerate and the risk premium that they are willing to invest will differ depending on the amount of investment.

As a typical example, consider the case where a single user invests 10 million yen, and the case where 10 million yen is invested through microfinance collected from many people (for example, 1,000 people). The funds collected from many people through microfinance are, so to speak, the total amount of small funds that the investor does not mind losing. Since it is an amount that can be lost, the risk premium for the funds collected through microfinance can be set low. On the other hand, since it is a large investment for a single user, unless the risk premium is set high as shown in Figure 5(b), in other words, the additional profit is set high, there will be no point in investing (i.e., profits from interest, etc.).

To summarize the above, small amounts of money collected through microfinance are funds that can be lost. Even small amounts of money that can be lost can be collected from many people to make large investments. If it is a large investment that can be lost, there is no problem in setting the risk premium lower than that of existing financial institutions. In other words, when lending funds to borrowers, interest rates on funds collected through microfinance can be set lower than those set by existing financial institutions. From the borrower's perspective, borrowing funds collected through microfinance allows them to borrow at lower interest rates than they would if they were borrowing from an existing financial institution. In this way, the use of microfinance makes it possible to provide new financial services.

<3-1-2. Matching examples>
An example of matching a lender user n with a recipient user m will be described with reference to FIG.
As explained above, lender user n is a set of users who lend funds collected through microfinance. For example, a group can be made up of n people, such as lender users A1, A2, ..., An. Although it is explained here that a group is made up for the sake of convenience, each lender user A1, A2, ..., An does not need to know information about the other lender users. User management and matching are performed by the management unit 107 and matching unit 105 of the service providing system 100.

6, the borrower user in this section may be a company, organization, etc. that handles various types of funds. In other words, the user terminal 160 of the borrower user may be a server of the company, organization, etc. that handles these various types of funds.

Examples of possible borrower users will be described with reference to FIG. 6. Of course, the borrower users are not limited to the examples shown in FIG. 6. Borrower users may be companies, institutions, organizations, etc. that hand over a specific type of claim or the like and receive funds in return.
can categorize (segment) borrowers into these specific types.
Classifying borrowers into specific types is called the first segmentation, as distinguished from the segmentation described later in Fig. 7. As will be described in detail later, the lender user n can receive credit and provide funds under more favorable conditions (e.g., lower interest rates) than existing financial institutions. Therefore, the service providing system 100 can provide new financial services or financial services that replace existing financial institutions.

An example of a borrower user is the holder of an electronic bond. Electronic bonds are circulated on densai.net and are a type of bill. A bill can be converted into cash when it reaches its maturity. On the other hand, if the issuer of the bill defaults on its debt, for example by going bankrupt, the bill cannot be converted into cash. In other words, bills carry this kind of default risk. Existing financial institutions (e.g. banks) set a discount rate for bills (present value of bills) that takes this risk into account, and then purchase the bills before the due date. In contrast, a microfinance lender user n:
As explained above, the risk premium can be set low, so the discount rate can be set lower than the discount rates set by existing financial institutions. The reason for this is as follows:
As explained in 1. Microfinance, the microfinance lender user n is, so to speak, a collection of users who invest small amounts that they do not mind losing, so they are willing to invest even if the risk premium is lower than the risk premium set by financial institutions for the same amount.

For example, if an existing bank purchases an electronic claim for 90 percent of the face value before the due date, a microfinance lender user n can purchase the claim for, say, 95 percent of the face value.
If the user n is the creditor of the electronic claim, the microfinance lender user n will be able to accept the electronic claim for a higher amount.

In addition, when the claim is taken over, the name is changed. In this embodiment, for example, it is assumed that the management unit 107 of the service providing system 100 manages virtual accounts and virtual names. The name of the taken over claim can be changed to the virtual name of this service providing system 100. Each user who contributed to the takeover of the claim, that is, each lender user n, is associated with this virtual name. In this way, by changing the name to a name related to the service providing system 100 rather than the name of the lender user n who actually provided the funds, further name changes are not required in cases where some users of the lender user n change, as described later. However, this is not limited to this example. The taken over claim may be changed to the joint name of each lender user n.

Next, a description will be given of a case in which a borrower user is trying to borrow a loan from a financial institution, a scholarship, or the like. As described above, the microfinance lender user n of this embodiment is
They have a tendency to want to invest even if the risk premium is lower than that of regular financial institutions.
Therefore, a borrower user who wishes to borrow money by entering into a loan agreement can borrow funds from the microfinance lender user n of this embodiment, who offers lower interest rates than existing financial institutions.

Next, we will explain how to use a credit card. A credit card user:
Payment for goods and the like is made with a card at a store or the like. In this case, the store or the like has a claim against the credit card company. Then, the store or the like receives payment of money from the card company after a certain date. At this time, the store or the like generally pays a fee to the card company. In this embodiment, a form can be adopted in which the microfinance lender user n assumes the claim of this card. As explained above, the microfinance lender user n of this embodiment has a psychology of wanting to invest even if the risk premium is lower than that of ordinary financial institutions. Therefore, since it is possible to set a usage fee lower than that of existing credit card companies, it is also conceivable that the affiliated store of the credit card transfers the claim to the microfinance lender user n of this embodiment. In other words, the microfinance lender user n can assume the role of a card company, so to speak.

Next, the use of corporate bonds will be described. For example, there is a company that is considering raising funds by issuing corporate bonds. A microfinance lender user n of this embodiment can underwrite the corporate bonds at a lower yield than the yield required in the general market. Therefore, even in a case where an underwriter cannot be found, the microfinance lender user n of this embodiment can become such an underwriter.

Next, the use of the investment trust will be described. As described above, the microfinance lender user n of this embodiment uses a small amount of funds. Therefore, for example, whereas conventionally, investments would be made with 10,000 yen per share, this can be made with 100 yen per share. In general, risk and return are proportional. That is, the higher the risk, the higher the return. The lower the risk, the lower the return. Since the microfinance lender user n of this embodiment can make investments using a small amount of funds, he or she can take high risks. In other words, since it is an amount that can be lost without any problem, there is a tendency for users not to mind even if the risk is high. Therefore, it is possible to collect small amounts of funds in large numbers and make an investment trust with a high expected return.

As described above, it is possible to segment the types of borrowers, such as electronic claims, loans, credit cards, corporate bonds, investment trusts, etc., as shown in FIG. 6 (first segmentation).
Further, the present invention is not limited to the example shown in FIG. 6, and any desired segments may be provided.

<3-1-3. Segmentation examples>
In FIG. 6, the types of borrower users were described. A lender may decide a specific type of borrower user to whom the lender will lend, and may invest in the specific type of borrower user. In other words, the lender may invest by specifying the type of borrower user (e.g., electronic bond). However, when a lender invests in a specific type, unfairness may occur depending on the timing of the investment. For example, if the matching unit 105 performs matching individually in the order in which the applications were made, there may be hits and misses. In other words, the lender user A1 may receive a bond that will be repaid in full, but the lender user A2 may receive a bad bond. To solve this, a category can be created for each theme. Creating a category for each theme is called second segmentation.

In addition, the segmentation may be performed by dividing into certain classifications, and may be performed by the type of borrower user as described above, or may be performed by a specific category as described below. In other words, the segmentation includes a first segmentation and a second segmentation.

FIG. 7 is a diagram showing an example of segmentation (second segmentation). In this example, three categories, "regional development (Japan)", "advancement to higher education/study abroad", and "sports", are set as categories. The "regional development (Japan)" category includes corporate bonds of a company in a certain region R1, electronic bonds of the region R1, and bonds of credit card affiliates in the region R1. The "advancement to higher education/study abroad" category includes loan bonds of a certain user. The "sports" category includes equipment bonds for a certain sport S1, loan bonds for the purpose of studying abroad in a sport S1, and operating expenses of a professional sports team for the sport S1. The categories shown in FIG. 7 are created in advance by the classification unit 106, for example. Alternatively, a borrower user or a lender user may access the service providing system 100 and create any category.

In the example of Fig. 7, a lender user n consisting of a plurality of users is making an investment in the category of "Regional Development (Japan)". Although Fig. 7 shows an example of two users for simplicity, the lender user n consisting of a large number of users, such as 200 or 2000 users, may make an investment.

In this embodiment, each claim included in a certain category, such as "Regional Development (Japan)", is treated as a collective claim. Then, each user constituting the lender user n is
Each user will have an indivisible claim. Each user may have a divided claim. Lender user n makes an investment in the category of "regional development (Japan)". In other words, lender user n does not make an investment by specifically designating each individual claim included in "regional development (Japan)". By segmenting in this way, a certain degree of ambiguity is created. For this reason, although it is possible that, for example, among the individual claims included in "regional development (Japan)", some will be repaid and others will not be repaid, it is possible to reduce the sense of unfairness felt by each user constituting lender user n.

FIG. 8 is a flowchart showing an example of a matching process by the matching unit 105 when an investment is made to the category shown in FIG.

In step S810, the matching unit 105 provisionally acquires claims Y(j) yen for a predetermined category k. Specifically, the category k will be described as being "Regional Development (Japan)" in FIG. 7. In "Regional Development (Japan)" in FIG. 7, three claims are included, so j=1, 2, 3. In other words, in step S810, each claim belonging to the predetermined category k is provisionally acquired.

In step S820, the matching unit 105 accepts an investment X(i) from a lender user i for a given category k. Here, the investment is assumed to be 100 yen per share.

In step S830, if the total investment amount accepted in step S820 reaches the claim amount of the claim provisionally acquired in step S810, the matching unit 105
Here, the total investment amount is 100 (yen/unit) * sum X(i) (i = 1 to n)
In addition, when the provisionally acquired claim amount reaches Y(j)+α yen, the contract processing unit 112 may be notified. Here, α yen is assumed to be a cancellation rate r(%), and is calculated as follows:
+α)*(100-r)/100=Y(j).

Upon receiving this notification, the contract processing unit 112 officially acquires the claim. That is, it executes a name change for the claim on densai.net or the like. As explained above, the name change may be in the form of changing to a virtual account or virtual name (temporary name) managed by the management unit 107, or it may be in the form of changing to a joint name of the lending users. If the name is changed to a virtual name, even if each user has a divided claim and the lending user changes during the investment, it is not necessary to change the creditor on densai.net each time. The contract processing unit 112 performs a process to execute the change of the contract. For example, a specified notification may be sent to a financial institution server or the like. This step S830 may be performed repeatedly, for example, on a daily basis. In other words,
The investment amount may be accepted on a daily basis, and if the actual acquisition is not possible, the contract will not be concluded, and the process of provisionally acquiring the claim may be performed again the following day in step S810.

In step S840, the contract processing unit 112 sets a collective claim to the claims acquired in step S830. This claim amount S(k) is [sum Y(j) (J=1 to m)] yen. That is, in the case of "Regional Development (Japan)" in FIG. 7, m=3, and the total amount of the three claims becomes the collective claim. For example, if claim e1a is 10,000 yen, claim e1b is 100,000 yen, and claim e1c is 100,000 yen, then the total amount of the three claims becomes the collective claim.
Let's say that c is 3,000 yen. Then, the total of these, 113,000 yen, will be the collective claim.

Step S850 is a process when profits are obtained, including subsequent repayments. In step S850, the management unit 107 distributes the obtained profits to each user according to their shares. For example, the amount of claim S(k) set in step S840 is divided by the number of shares of the claim contributed by each user. That is, in step S840, distribution is made according to the ratio of the amount contributed by each user. For example, if claim e1b becomes unrecoverable, claim e1b becomes unrecoverable money. Claim e1a has matured, and claim e1b is collected by adding a premium (interest) according to the discount rate. Claim e1c has not yet reached its due date, so claim e1c is not collected. In such a case, distribution regarding claim e1a will be made to the users who contributed to category k.

The matching unit 105 performs this processing for each category.

As described above, by segmenting into a plurality of categories and adopting a form of contribution to the categories, it is possible to alleviate the sense of unfairness felt by the lender users. By providing categories specialized for specific purposes or specific types, the lender user n can actively contribute to the category he or she desires. For example, a lender user who likes sports can contribute to the "sports" category with a feeling of semi-donation.

FIG. 9 is a diagram showing an example of a screen 900 displayed on the lender's user terminal 160. In FIG. 9, the investment amount and the recovery amount are displayed in a graph for each category, and the amounts are also displayed in numbers. Also, as shown in a legend 910, each flag is displayed with a different color, density, pattern, etc., so that it is possible to distinguish between "recovery deadline not yet reached", "unrecoverable", and "recovered". Also, an area showing the total amount is displayed. By using a screen such as that shown in FIG. 9, the lender can confirm the amount invested and the amount recovered by category. Also, when investing in multiple categories, the total investment amount and the recovery amount can be confirmed. The lender can make an additional investment in a desired category by pressing an "additional investment" button 920. Also, an "add category" button 920 can be used to add a new investment to the desired category.
A category can be added by pressing button 930. When a category is added, the category to be added may be added above, below, to the left or right of an existing displayed category.

The image displayed on the screen 900 in Fig. 9 is an image displayed on a computer having an investment decision function, a capital investment decision function, an expected return rate display function, a recovery amount display function, or an investment category addition function. The image in Fig. 9 is an image for inputting information, an image for executing a function, an image for viewing and displaying information, or a composite image.

Additionally, for each category of images, an expected rate of return may be displayed. In that case, the lender may:
The expected rate of return can be used as one of the criteria for deciding whether or not to invest.

<3-1-6. Expected rate of return>
Next, an example of a calculation model for the expected rate of return will be described. Here, the expected rate of return is R(k)(t
), where k is the category as explained above, and t is the date and time. In other words, the expected rate of return R(k)(t) differs for each category and also differs depending on the date and time. The expected rate of return can be expressed by the following formula (1).

Expected rate of return R(k)(t)=[1/(1-discount rate r(k)(t))]*(1-default rate D(k)(t))*100(%)
Formula (1)
Here, the discount rate r(k)(t) is calculated by the following equation (2).

Discount rate r(k)(t) = risk-free interest rate r0(t) + risk premium p(k)(t) Equation (2)
This risk-free interest rate r0(t) can be, for example, the interest rate on government bonds.

The default rate D(k)(t) is calculated using the following formula (3).
Default rate D(k)(t)=Average(D(k)(t)(t=1,…t-1)) Equation (3)

In other words, the default rate can be calculated using the historical average value for that category.
As shown in equation (3), the expected rate of return R(k)(t) is calculated by multiplying the risk premium p(k) by
It can be seen that it depends on (t).

Here, the risk premium p(k)(t) can be set so that the relationship of the following equation (4) holds, for example.

△|Contribution amount X(k)(t)-(Application) amount of debt Y(k)(t)|/△Risk premium p(k)(t)=0 Equation (4)

FIG. 10 is a diagram for explaining the above formula (4). In other words, if the risk premium is high, the investor (lender) will lend more. Meanwhile, the borrower will borrow less. Conversely, if the risk premium is low, the investor (lender) will lend less. Meanwhile, the borrower will borrow more. In this way, the risk premium is in a trade-off relationship between the lender and borrower. The balance between the lender and borrower can be considered to be the appropriate risk premium to be set, and the above formula (4) follows this idea. Such an appropriate value can be found, for example, from the relationship between past capital investments and the amount of credit in that category. Alternatively, data obtained through demonstration experiments or the like can be used as training data, and A
I, etc. may be used.

Another example of the discount rate r(k)(t) can be calculated using the following equation (5):

Discount rate r(k)(t)=Average(r(k)(t)(t=1,…t-1)) Equation (5)

Yet another example of the discount rate r(k)(t) is given by the following formula (6), which is the average of the discount rates r(k)(t)(j) offered for (applications for) claims j belonging to category k, assuming that a borrower offers a discount rate when applying for a loan.

Discount rate r(k)(t)=Average(r(k)(t)(j)(j∈k)) Equation (6)

As explained in the section <3-1-1. Microfinance>, the risk premium desired by microfinance lender n is expected to be lower than the risk premiums of existing financial institutions and the market. Therefore, even if a platform usage fee for the service provision system is added, it is possible to operate at a lower amount than the risk premiums of existing financial institutions and the market.

<3-2. Segmentation of lenders>
In the above item <3-1>, segmentation of borrower users has been described. In this item, segmentation of lender users will be described. In this embodiment, the classification unit 106 classifies and segments lender users. For example, lender users are classified according to various conditions, such as lending conditions such as interest at the time of lending, and the amount of surplus assets of the lender users. Then, the matching unit 105 matches lender users n belonging to the same classification (segment).
(a set of individual lender users) is matched with borrower users. Since users with similar lending conditions can be segmented, even if, for example, user A3 among lender users n needs funds urgently and wants to withdraw funds, the matching unit 105 can quickly check whether another lender user AX belonging to the same segment is willing to provide funds. When approached, lender user AX can make a decision quickly because the lending conditions are basically the same as those desired by the lender user AX. If this lender user AX is willing to provide funds, the contract processing unit 112 can quickly change the lender.

<3-3. Lending for specific purposes (lender side)>
Next, we will explain an example in which a borrower user clearly indicates the purpose of use, and a lender user lends money accordingly. Although the content is partially similar to the segmentation described in <3-1>, in this section, the borrower user does not need to be a set of multiple borrower users.
An example will be given of a single borrower user.

In this embodiment, the information providing unit 111 discloses information about the borrower user. For example, the borrower may register a specific financial purpose in the service providing system 100, and the information providing unit 111
The information provider 111 publishes this information. Based on the information published by the information provider 111, the lender user finds borrower users who have specific financial objectives.

FIG. 11 is a diagram showing an example of information made public by the information providing unit 111. Borrower users register the purpose for which they wish to borrow funds. FIG. 11 shows an example of such registered information listed. Some lender users have a desire to support users with specific financial objectives. Thus, the lender users transmit an instruction to the service providing system 100 to provide funds to such users with specific objectives. The matching unit 105 performs matching based on this instruction, and the contract processing unit 112 makes a contract.

When funds are borrowed for such a specific purpose, the service providing system 100 may extract some of the items related to the specific purpose from the borrower user's PF information and disclose the information to the lender user. FIG. 12 is a diagram showing an example of such information disclosure. In this example, the borrower user XXX1 accepts the provision of funds for the purpose of obtaining a weather forecaster qualification. At this time, the information providing unit 111 masks information that may identify an individual from among the items likely to be related to the qualification acquisition from the PF information I3 of the borrower user XXX1, and discloses it to the lender user. In the example of FIG. 12, the content that a transfer was made to a qualification course and the information that a book was purchased are disclosed to the lender user. Detailed information on the date and time and the store where the book was purchased are not disclosed. From the perspective of the lender user, the lender user can feel at ease because he knows that the funds he provided are being used for that purpose. In addition, when the funds are used for such a specific purpose, the lender user can feel like a sponsor of the borrower user. Thus, for example, while you do not know the personal information of the borrower user, you can share the borrower user's efforts, growth, goal achievement, etc.
It is possible to encourage the lender user to empathize with the borrower user, rather than simply lending money.

In the above example, the borrower user has an individual purpose, but various organizations and business entities such as companies and groups may also be borrowers with specific purposes.

Also, depending on the purpose of the borrower user, the interest rate may be a variable interest rate. For example, if the specific purpose is business funds, a success-based fee may be applied. In other words, the lender's principal may be guaranteed, and the interest rate during the loan period may be the operating profit of the borrower user company multiplied by a specified rate.

The specific purpose also includes a purpose of lending funds to other users through the service providing system 100. In other words, a borrower user may borrow funds in order to become a lender user.

For example, assume that borrower user B3 is a highly reliable user who has borrowed funds multiple times in the past and always repays without delay. A highly reliable user can set a lower interest rate, for example, as described below. Here, assume that borrower user B3 borrows 1 million yen from lender user A3 at an interest rate of 3%. Borrower user B3 then becomes a lender himself and borrows 10 million yen at an interest rate of 5% from another borrower, borrower user C3.
In other words, borrower user B3 can borrow funds at an interest rate of 3% and then become a lender user and lend it out at an interest rate of 5%. In this case, borrower user B3 can lend a total of 2 million yen to borrower user D3, adding 1 million yen from lender user A3 to his or her own funds of 1 million yen.

<3-4. Lending for specific purposes (borrower side)>
In the above <3-3>, an example was described in which a borrower user discloses a purpose, and a lender user who agrees with that purpose lends funds. In this section, a lender user discloses the purpose for which he or she wishes to lend funds. A borrower user can borrow funds according to that purpose.

For example, if a lender wants to go to a restaurant he or she wants to go to, eat a specific dish, and take a photo, the lender will publish the conditions. The borrower can check the published conditions and
If the user accepts the request, the user indicates this through the user terminal 160.
The PF information of the borrower user is then stored in the information providing unit 105.
11 to the lender user. Note that not all PF information is made public, but items related to the intended use may be made public in a manner that does not identify individuals.
Since the PF information accurately indicates the living income and expenditure of the borrower user, it is possible to determine whether the borrower user has actually accomplished the intended purpose of use based on the PF information. For example, when the information providing unit 111 transmits to the lender an evidence image of a dining photograph received from the borrower, the lender user can determine by referring to the PF information that the photograph is indeed of a meal at the restaurant. For example, it is possible to check whether the borrower user has lied by synthesizing an image on the Internet.

In the above description, the PF information is disclosed to the lender user, and the lender user determines whether or not the intended use has been achieved. However, the determination unit 104 of the service providing system 100 may make the determination. In other words, the determination unit 104 may determine the degree to which the intended use has been achieved based on the intended use set in the contract and the PF information of the borrower user, and the information providing unit may disclose the information to the lender user.

In addition, the lender user may disclose the desired repayment rate together with the purpose of the funds.
Some users think that if the lender user can achieve the desired goal, the principal does not need to be repaid. Therefore, the repayment amount may be changed according to the degree of achievement of the goal, and the information on this may be made public.

<3-5. Management of borrower repayment status>
Next, the management of the repayment status of the borrower user will be described. This process is mainly performed by the management unit 107. The management unit 107 acquires PF information of the borrower user on a daily basis. By referring to the PF information, the actual situation of the borrower user's life can be understood.
For example, if the expenses are increasing continuously, the information providing unit 111 notifies the borrower user of a message urging the borrower user to be careful or to improve. It is not recommended to borrow from other financial institutions for repayment. Therefore, if transactions with other financial institutions increase based on the PF information, a warning may be issued to the borrower user.

The management unit 107 issues a warning and notifies the contract processing unit 112 that there is a possibility that repayment will not be made. In such a situation where repayment is difficult, the contract processing unit 112 may consider the possibility of changing the contract and change the contract. In other words, arbitration is performed between the borrower user and the lender user. For example, the repayment plan can be revised (one month postponement or extension of the repayment period) by having the borrower user bear additional fees (a specified amount or additional interest).
At this time, if the arbitration does not go well, the contract processing unit 112 may invite new lender users to participate and allow the lender users who have expressed their intention to participate to participate as parties. The contract processing unit 112 causes the new lender user to repay the full amount to the current lender user on behalf of the borrower user. The new lender user is asked to transfer the claim from the current lender user.
In addition, the borrower user may send an instruction to the matching unit 105 requesting matching with a new lender user, and the matching unit 105 may perform a process of finding a new lender user.

In addition, some contracts require a lump sum repayment in which the entire amount is repaid at a specified time, while others require a fixed amount to be repaid every month. In the case of monthly repayments, the lender will receive funds with interest added, but this repayment amount can be lent directly to the same borrower. This effectively provides a grace period for repayment.

<3-6. Setting conditions (lender's side)>
When borrowing funds, a borrower user can set various conditions, such as repayment conditions and security conditions. These conditions are made public by the information providing unit 111 in a form that does not identify individuals. A lender user can look at the public information and determine a desired borrower user.

<3-7. Setting conditions (borrower's side)>
A lender user can set various conditions when lending funds. A lender can set conditions such as a borrower who has a past repayment record or a borrower who has not had a past late repayment as a target for lending money. In addition, the lender can set the upper limit of the loan amount, the educational background of the borrower user, the age, etc. In addition, for example, the lender user may include the living conditions of the borrower user in the conditions for lending money. For example, not gambling, purchasing unnecessary luxury items, etc. These information can be identified from the PF information, so the judgment unit 104 can judge whether such conditions are met. Note that these conditions are made public by the information providing unit 111 in a form that does not identify individuals. A borrower may decide on a lender by looking at the public information. In other words, by analyzing information from the PFM system and the accounting system, it is possible to easily identify or decide on a borrower after grasping personal characteristics and corporate characteristics.

<3-8. Matching>
The matching unit 105 can perform matching as described above. For example, when the conditions of a lender user and the conditions of a borrower user match, the two are matched. Then, the contract processing unit 112 is notified. The matching unit 105 can perform this based on various information as described above. Furthermore, the matching unit 105 may provide each user with recommended other users, recommended plans, and the like based on various set conditions.

<3-9. Borrower (singular, plural) vs. Lender (singular, plural)>
As described above, in this embodiment, various types of contracts can be established. For example, the following are given.
(1) Single borrower user: Single lender user (2) Multiple borrower users: Single lender user (3) Single borrower user: Multiple lender users (4) Multiple borrower users: Multiple lender users Among these, when there are multiple lender users, market revitalization can be expected. That is, as explained above, if there are multiple (many) lender users, even if each user invests a small amount, the total amount may be very large. In addition, investing such a small amount of money is a small burden on each user. Although donations or investments have been made for specific purposes in the past, individual users have not been able to correctly grasp what amount of investment is not burdensome or appropriate, and the threshold for investment was also high. However, by using the service provision system of this embodiment, users can grasp the appropriate amount from the PF information of each user. In addition, users can easily find the desired investment destination. Therefore, it is possible to unearth users who have not fully utilized financial assets until now, and to increase the liquidity of financial assets.

In addition, when the lenders are a group consisting of multiple people, several methods can be considered.
A lender can solicit and convene other lenders. When a lender searches for other lenders, they can extract lenders based on their past performance. For example, the number of past loan cases must be equal to or greater than a specified number, and the recovery rate must be greater than 105%. The number of past loan cases, the recovery rate, the number of cases paid in full, the number of cases that remain unpaid, the paid in full rate, and the unpaid rate can be set as extraction conditions. By forming a group in this way and lending to one or more borrowers in the group, it is possible to increase the overall loan amount and to diversify risk.
A method of identifying borrowers in a group is for the group leader or each member to find potential borrowers and introduce them to other members to add them.

<3-10. Publication system>
The information providing unit 111 has been described as an example in which various conditions of borrower users and lender users are widely disclosed. In addition, the information of the other party of the contract of the borrower user or the lender user is disclosed to the other party according to a specific purpose. An example was explained.

The information providing unit 111 may disclose the PF information of the borrower user to the lender user regardless of a specific purpose. The disclosure level is information at a level that does not identify individuals. For other information, for example, when an expenditure such as a chain store name plus the store name is described, the information may be disclosed after making some adjustment such as simply displaying the category name "restaurant". Since the daily situation can be checked appropriately, the lender user can get a glimpse of the borrower user's daily life and growth, and can have a simulated experience as if he or she were nurturing the borrower user. In addition, instead of disclosing such information, the interest rate may be set low.

In addition, lender users may be actively and widely disclosed. For example, lender users who contribute greatly to society, such as lenders who lend large amounts or lend to many people, may be disclosed.

<3-11. Application to AI>
The model construction unit 113 may construct the learning model 114 using data on various services provided by the service providing system 100. In other words, so-called artificial intelligence may be made to memorize past data. For example, the learning model 114 may be constructed using information on the money lending information provided by the service providing system 100 (e.g., whether appropriate repayments are made, repayments are delayed, or repayments are not possible, etc.) and expenditure information (living expenditures) obtained from the PF information.
When PF information is input to the learning model 114 constructed in this way, data indicating the possibility of repayment is output from the learning model 114. The judgment unit 104 judges the possibility of repayment based on this result, and if repayment is likely to be delayed, the information provision unit 111
may be notified to

<<4. Robo-advisors>>
So far, a form in which the service providing system 100 provides a lending service has been described. In the following sections, a form in which the service providing system 100 provides a robo-advisor service will be described. For example, by pressing the button 240 in Fig. 2, the user can receive the robo-advisor service described below.

The configuration of the service providing system 100 may be the same as the configuration for providing the lending service shown in FIG.

<4-1. Selection of surplus assets>
As described above, surplus funds can be identified by using the PF information obtained from the PFM system 150. The asset identification unit 103 identifies surplus assets.
6 can further classify the identified assets. For example, surplus funds can be classified into long-term funds for retirement, short-term funds for travel, or funds without a future perspective, such as complete surplus. The asset management support processing unit 115 can manage assets according to the classification results. For example, funds with a long-term perspective can be used for stable long-term management, while funds without a future perspective can be used for high-risk investment management, allowing for flexible asset management. Note that surpluses can fluctuate depending on daily life. Therefore, the funds classified appropriately based on the PF information fluctuate. The asset management support processing unit 115 may appropriately change management depending on the fluctuating funds.

<4-2. Application to AI>
In this section, the model construction unit 113 constructs a learning model 114 of, for example, a famous investor or a user with a large number of reviews. The asset management support unit may use the learning model thus constructed to manage assets. For example, a user may send an instruction to select the learning model 114 of a desired investor from among famous investors via a user terminal.

<4-3. Advice linked to interest rate information>
The asset management support processing unit 115 may transmit a message of advice to the user in conjunction with various types of interest rate information. For example, when interest rates are very low, the user may be advised to invest even if he or she has to borrow money.

<4-4. Display function>
If there is news related to the assets you own, you can display it (or provide a link) on the asset management screen. By displaying related news on the asset management screen, Users can obtain various information and therefore make appropriate investment decisions.

In the above examples, the service providing system 100 provides a lending service and a robo-advisor service. The service providing system 100 may perform both of these services, or may perform either one of them.

Each unit for realizing the functions of the above-described embodiments can be implemented, for example, by hardware or software. When implemented by software, program code for controlling the hardware may be executed by various processors such as a CPU or MPU. Hardware such as a circuit for realizing the functions of the program code may be provided. Part of the program code may be realized by hardware, and the remaining part may be executed by various processors.

In the above embodiment, the borrowing and leasing of Japanese yen is shown as an example, but the transaction may be made in a foreign currency other than Japanese yen. Furthermore, although not specifically stated, both the lender and the borrower may be Japanese or foreign, and may be residents of Japan or residents overseas.

In addition, if the system operator or a third party pays a guarantee fee (a portion of the interest rate, etc.) to protect the lender in the event that the borrower becomes unable to repay (defaults),
A mechanism may be applied to pay the lender on behalf of the borrower the principal amount that was not repaid in the event of a default.

100: service providing system, 101: control unit, 102: information acquisition unit, 103: asset identification unit, 104: judgment unit, 105: matching unit, 106: classification unit, 107: management unit, 10
8...instruction transmission unit, 109...instruction reception unit, 111...information provision unit, 112...contract processing unit, 11
3...Model construction unit, 114...Learning model, 115...Asset management support processing unit, 150...System, 160...User terminal, 180...Financial institution server

Claims (6)

an acquisition unit that acquires financial asset information of a user from a financial asset management system that manages financial asset information that aggregates multiple types of financial information;
a classification unit that classifies borrower users into segments according to the types of claims they hold based on the financial asset information;
a management unit that changes the name of a claim of a borrower user belonging to a designated segment, which is a segment designated by users of a plurality of lenders, to a name corresponding to the users of the plurality of lenders;
a contract processing unit that mediates the lending and borrowing of money between the borrower users belonging to the specified segment and the plurality of lender users;
A service provision system having the above structure. The contract processing unit mediates the lending and borrowing of money between the borrower users belonging to the designated segment and the plurality of lender users at an interest rate set for the designated segment.
The service providing system according to claim 1 . The service provision system according to claim 1 or 2, further comprising an interest setting unit that sets an interest rate according to a segment into which the borrower user is classified. A matching unit that matches a borrower user among a plurality of borrower users belonging to the designated segment with a lender user based on the financial asset information.
The service providing system according to any one of claims 1 to 3. The acquisition unit is
Obtain information regarding the purpose for which the borrower user wishes to borrow funds, which is included in the financial asset information;
obtaining a provision instruction from the lender user to provide funds for a specified purpose;
The matching unit matches the borrower user with the lender user based on the purpose of borrowing funds and the specified purpose.
The service providing system according to claim 4 . The service provision system according to claim 5, further comprising an information providing unit that provides information related to the borrowing purpose of the borrower user to the lender user matched by the matching unit.

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