JP7766065B2 - Information processing device, program, and information processing method - Google Patents

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. Furthermore, Patent Document 2 describes a vehicle management system that ensures guarantees for vehicle rentals and enables smooth vehicle lending and borrowing between users.

WO2018/179154 publication Japanese Patent Application Laid-Open No. 2020-166748

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 system users. Specifically, the systems described in Patent Documents 1 and 2 are unable to guarantee the reliability of the information registered within them, which may result in the provision of incorrect information to users and impair the convenience of vehicle transactions. In other words, there is room for further consideration in improving the convenience of vehicle transactions.

In light of the above issues, the present invention aims to improve the convenience of vehicle transactions.

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 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 credit information.

An information processing method according to another aspect of the present invention causes a computer to execute the following steps: 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 illustrating 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. 1 is a hardware configuration diagram of an information processing device according to an embodiment of the present invention. FIG. 10 is a sequence diagram illustrating an example of the operation of the system according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment. FIG. 10 is a diagram illustrating an example of an operation of the information processing device according to the present embodiment.

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

In this invention, the terms "unit," "means," "device," and "system" do not simply mean physical means, but also include cases where the functions of the "unit," "means," "device," and "system" are realized by software. Furthermore, the functions of a single "unit," "means," "device," and "system" may be realized by two or more physical means, devices, and software, and the functions of two or more "units," "means," "device," and "system" may be realized by a single physical means, device, and software.

<1. System Overview>
Referring 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 car sharing services in response to user requests. The car sharing system 4 accepts input of registration information related to users and vehicles. By inputting their own registration information into the car sharing system 4, users can borrow vehicles registered with the car sharing system 4. Users can also register their vehicles with the car sharing system 4 so that other users can rent them. In other words, the car sharing system 4 is a system that provides multiple users with a service that allows them to share and use multiple vehicles. In the following description, the car sharing system 4 is assumed to be 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 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 that other user in accordance with the lending. Furthermore, when a user borrows another user's vehicle, they pay a reward to that other user in accordance with 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 about multiple vehicles, including vehicles registered in the car sharing system 4. The vehicle information typically includes information about the vehicle's condition. The information about the vehicle's condition includes at least one of the following: when the vehicle was manufactured, the condition of the battery installed in the vehicle, the number of vehicle inspections the vehicle has undergone, the date of the vehicle's most recent inspection, and the vehicle's repair history. The vehicle information collection system 3 can also be referred to as a first collection system. The battery condition includes at least one of the battery's degree of depletion (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 factory shipment) and the battery's charge state (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). Vehicles include automobiles, motorcycles, mopeds, bicycles, etc.

In the following description, the vehicle information collection system 3 is assumed to be owned by a vehicle information collection business. A vehicle information collection business may be, for example, an automobile manufacturer, an automobile parts manufacturer, or a wireless communication business that develops connected cars. A vehicle information collection business may also be called a vehicle information aggregator.

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

The credit information collection system 2 is a system that collects credit information on 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, any overdue payments on the user's borrowing, and the user's financial assets. The credit information collection system 2 can also be referred to as 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. Credit information collection businesses include, for example, banks, credit card businesses, securities businesses, insurance businesses, and investment businesses. Credit information collection businesses can also be called credit information aggregators.

Typically, multiple credit information collection systems 2 acquire credit information for a single user. For example, 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 each acquire information about bank accounts and credit cards for a specific user.

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 regarding the reliability of the registration information acquired from the car sharing system 4 (hereinafter referred to as "reliability information") to the car sharing system 4 based on the vehicle information and credit information. 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 the required functions 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 authentic and not false.

The information processing device 1 can provide reliability information to car sharing operators. Registration information may contain incorrect information or information 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 indicating the degree to which the registration information can be trusted.

In addition, the information processing device 1 can not only output reliability information regarding vehicle registration information based on vehicle information and reliability information regarding user registration information based on credit information, but can also supplement information missing from the credit information with vehicle information, and output reliability information regarding vehicle and user registration information. In other words, by evaluating the reliability of 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 registration information is for the car sharing system 4 to directly obtain 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 raises the following issues:

First, vehicle information and credit information are important information for vehicle information collection businesses and credit information collection businesses to ensure their industrial competitiveness, respectively, and it is undesirable to make them directly available to car sharing businesses. In contrast, 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. Furthermore, car sharing businesses generally do not necessarily need to be able to directly use the vehicle information and credit information, as long as they can guarantee the reliability of the registration information registered in car sharing system 4.

Furthermore, if multiple car sharing businesses each enter into contracts for the provision of information with multiple vehicle information collection businesses and multiple credit information collection businesses, the procedures become 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 this embodiment will be described with reference to Figure 2. The system includes an information processing device 1, multiple credit information collection systems 2, multiple 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 .

User registration information is information that the user enters into the car sharing system 4 in order to use the car sharing system 4.

Vehicle registration information is information that a user enters into the car sharing system 4 so that the user can lend out their vehicle via the car sharing system 4.

Registration information may be false in order to receive preferential treatment from the user. For example, when deciding whether to lend a vehicle that the user has registered to another user, the user may consider the other user's registration information (e.g., driving history, annual income, age, etc.). As a result, the other user may enter false registration information about the user to make it easier for the other user to lend the vehicle. In addition, when deciding whether to borrow a vehicle registered by another user, the user may consider the vehicle's registration information (e.g., year of manufacture, mileage, vehicle inspection status, etc.). As a result, the other user may enter false registration information about the vehicle to make it easier for the other user to borrow the vehicle. In other words, in order to maintain a sound platform for vehicle transactions, the car sharing operator needs to ensure the reliability of registration information, 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 credit information acquired by the credit information acquisition unit 104. The generation unit 106 may generate the reliability information based on, for example, the consistency between the vehicle information and the credit information and the registration information of the vehicle and the user. Specifically, when the vehicle information and the credit information and the registration information of the vehicle are consistent, 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 credit information and the registration information of the vehicle are not consistent, the generation unit 106 may generate information indicating that the registration information of the vehicle is low reliable.

[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 scale (e.g., "high,""medium," and "low," etc.), a graphic (e.g., a circle, a triangle, and an cross, etc.), a color, a character string, or a combination thereof.

Furthermore, the reliability information regarding a specific user output by the output unit 108 may include information indicating the 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. Similarly, the reliability information regarding a specific vehicle output by the output unit 108 may include information indicating the 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. Information indicating the relative relationship is expressed, for example, by a deviation value, ranking, ratio, 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 input of the information via the input I/F 304 or the like provided in the information processing device 1.

The memory unit 14 stores various information required 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 a plurality of vehicle information collection systems 3 , a plurality of credit information collection systems 2 and a car sharing system 4 via a 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 multiple 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 provided in the control unit 10 of the information processing device 1 can be realized by the processor 300 executing the programs stored in the storage device 302.

The storage device 302 is a storage medium such as 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.

Storage device 302 may also be a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. Storage device 302 stores the operating system and various programs for implementing the above-mentioned configurations. The storage medium storing these various programs may be a non-transitory computer-readable medium. Storage device 302 may also store tables that register various information such as business information, and a database that manages these tables. Such programs and data are loaded into storage device 302 as needed and referenced by processor 300.

The input I/F 304 is a device for receiving input from the user. Specific examples of the input I/F 304 include a camera, buttons, 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 USB (Universal Serial Bus).

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

Display device 310 is a device for displaying various types of information. Specific examples of display device 310 include a liquid crystal display, an organic electroluminescence (EL) display, and a wearable device display. Display device 310 may be provided external to computer 30. In that case, display device 310 is connected to computer 30 via, for example, a display cable. Furthermore, if a touch panel is used as input I/F 304, display device 310 can be configured as an integrated part of input I/F 304.

Furthermore, the components of the information processing device 1 described in the above embodiment are assumed to realize predetermined processing in cooperation with other hardware when the processor 300 executes a program stored in the storage device 302. In other words, these components can be considered as both software or firmware and the corresponding hardware, and in both of these concepts, they can also be referred to as "functions," "means," "parts," "processing circuits," "units," or "modules," and can be interpreted interchangeably.

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) until when it transmits reliability information related to the registration information to the car sharing system 4 (S14). 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 whose reliability it wishes to verify to the information processing device 1 (S2). In response, the information processing device 1 acquires the registration information using 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 transmission of vehicle information from the multiple vehicle information collection systems 3 (S4). Since the registration information acquisition unit 100 acquired the registration information of vehicles v1 and v2 in S2, the information processing device 1 accordingly requests the transmission of vehicle information for vehicles v1 and v2 from the multiple vehicle information collection systems 3.

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

In response to the request, each of the multiple 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 transmission of credit information from the multiple credit information collection systems 2 (S8). Since the registration information acquisition unit 100 acquired the registration information of user u1 and user u2 in S2, the information processing device 1 accordingly requests the transmission of credit information for user u1 and user u2 from the multiple credit information collection systems 2.

Also, 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 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 for those vehicles.

In response to the request, the multiple credit information collection systems 2 each transmit the credit information they hold 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 5-8, an example of the various types of information acquired by the information processing device 1 in S2, S6, and S10 will be described.

Figure 5 shows the vehicle information and registration information for vehicle v1. In this embodiment, both the vehicle information and vehicle registration information are assumed to have multiple items each associated with a value corresponding to that item. Specifically, in the vehicle information for vehicle v1, the values "2012," "70,000 km," "August 2022 (valid)," "No repair history," "Scratches on the right side of the vehicle," and "1 accident" are associated with the items "Year of manufacture," "Mileage," "Last vehicle inspection," "Repair history," "Unrepaired areas," and "Number of accidents," respectively. In the registration information for vehicle v1, the values "2012," "63,000 km," "August 2022 (valid)," "No repair history," "Scratches on the right side of the vehicle," and "1 accident" are associated with the same items as in the vehicle information, respectively. The score column will be described later.

Figure 6 shows the vehicle information and registration information for vehicle v2. Specifically, in the vehicle information for vehicle v2, the following values are associated with the fields "Year of manufacture," "Mileage," "Last vehicle inspection," "Repair history," "Unrepaired areas," and "Number of accidents": "2000," "100,000 km," "October 2022 (valid)," "June 2010: Dent on right side of bumper, August 2018: Flat left rear tire," "Scratches on right side of vehicle body," and "2 accidents." In the registration information for vehicle v2, the following values are associated with the same fields as in the vehicle information: "2002," "60,000 km," "October 2022 (valid)," "June 2010: Dent on right side of bumper, August 2018: Flat left rear tire," "Scratches on right side of vehicle body," and "0 accidents."

Figure 7 shows the credit information and registration information for user u1. In this embodiment, both the credit information and the user's registration information are assumed to have multiple items each associated with a value corresponding to that item. Specifically, in user u1's credit information, the following values are associated with the items "annual income," "age," "loan amount," "delinquent payments," "financial assets," and "occupation," respectively: "4.5 million yen," "age 35," "0 yen," "1 installment," "investment trusts: total equivalent to 1 million yen," and "civil servant." In user u1's registration information, the following values are associated with the same items as in the credit information: "4.2 million yen," "age 35," "0 yen," "no delinquent payments," "investment trusts: total equivalent to 1 million yen," and "civil servant."

Figure 8 shows the credit information and registration information for user u2. Specifically, in user u2's credit information, the following values are associated with the fields "annual income," "age," "loan amount," "delinquent payments," "financial assets," and "occupation": "3.5 million yen," "age 32," "1 million yen," "3 installments," "no financial assets," and "self-employed," respectively. In user u2's registration information, the following values are associated with the same fields as in the credit information: "4.5 million yen," "age 28," "850,000 yen," "3 installments," "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 5-8, the information processing device 1 generates reliability information related to 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 using the generation unit 106 will be described with reference to FIG.

First, the generation unit 106 sets the value of N, 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 Figure 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, so the vehicle information and vehicle registration information are consistent.

Next, the generation unit 106 determines a score for the Nth item according to the degree of match for the Nth item (S124a). In this embodiment, the score associated with each item is between "0 points" and "10 points". For each item, the generation unit 106 typically determines a higher score the higher the degree of match (e.g., the values match perfectly), and a lower score the lower the degree of match (e.g., the values differ greatly). As explained in S122a, for the first item, the vehicle information of vehicle v1 and the registration information of vehicle v1 match to a high degree, 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 used.

Next, the generation unit 106 determines whether the Nth item is the last item (S126a). Since 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 Figure 5, the value associated with the "mileage" item is "70,000 km" in the vehicle information of vehicle v1 and "63,000 km" in the registration information of vehicle v1, which is different.

The generation unit 106 determines a score corresponding to the second item depending on 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). Since 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 determined for the items "Year of manufacture," "Mileage," "Last vehicle inspection," "Repair history," "Unrepaired areas," and "Number of accidents" are "10 points," "5 points," "10 points," "10 points," "10 points," and "10 points," 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 Figure 5 is "55 points."

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

Figure 10 shows an example of the relationship between the total score 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 completes the process for generating reliability information regarding the registration information of vehicle v1.

[Generation of reliability information regarding registration information of vehicle v2 (see FIG. 6)]
The generation unit 106 generates reliability information regarding the registration information of vehicle v2 using a method similar to that used to generate reliability information regarding the registration information of vehicle v1 described above. For vehicle v2, the "manufacturing year" field is slightly different between "2000" in the vehicle information and "2002" in the registration information, so a score of "2 points" is assigned. For vehicle v2, the "mileage" field 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 assigned. For the "most recent vehicle inspection" field, the vehicle information and registration information match, being "October 2022 (valid)," so a score of "10 points" is assigned. For the "repair history" field, the vehicle information and registration information match, being "June 2010: dent in right bumper, August 2018: punctured left rear tire," so a score of "10 points" is assigned. For the "unrepaired areas" item, a score of "0 points" is assigned because there is a large difference between the "scratches on the right side of the vehicle body" in the vehicle information and the "all repaired" in the registration information. For the "number of accidents" item, a score of "0 points" is assigned because there is a large difference between the "two times" in the vehicle information and the "zero times" in the registration information. The sum of these scores is "22 points," and according to Figure 10, the reliability corresponding to "22 points" is "slightly low." Therefore, 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 generation unit 106 generates reliability information regarding the registration information of user u1 using a method similar to the generation of reliability information regarding the registration information of vehicle v1 described above. For user u1, the "annual income" field differs 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 it does not make the user appear to have more financial resources than they actually do), it may not be necessary to evaluate the user as being unreliable due to the difference. Therefore, even though the "annual income" field is inconsistent between the credit information and the registration information, a score of "10 points" may be assigned. For the "age" field, the credit information and the registration information match at "35 years old," so a score of "10 points" is assigned. For the "loan amount" field, the credit information and the registration information match at "0 yen," so a score of "10 points" is assigned. The "Payment Delinquency" item is assigned a score of "2 points" because the "1 time" in the credit information differs from the "No payment delirium" in the registered information. The "Financial Assets" item is assigned a score of "10 points" because the credit information and registered information match, with "Investment Trusts: Total Equivalent of 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 generation unit 106 generates reliability information regarding the registration information of user u2 using a method similar to that used to generate reliability information regarding the registration information of vehicle v1 described above. For user u2, the "annual income" field is assigned a score of "0 points" because "3.5 million yen" in the credit information is significantly different from "4.5 million yen" in the registered information. The "age" field is assigned a score of "5 points" because "32 years old" in the credit information is different from "28 years old" in the registered information. The "loan amount" field is assigned a score of "2 points" because "1 million yen" in the credit information is different from "850,000 yen" in the registered information. The "payment delinquency" field is assigned a score of "10 points" because the credit information and the registered information match "three times." The "financial assets" field is assigned a score of "0 points" because "no financial assets" in the credit information is different from "investment trusts: total equivalent to 1 million yen" in the registered information. The "occupation" item is different between "self-employed" in the credit information and "civil servant" in the registered information, so a score of "0" is assigned. The sum of these scores is "17 points," and according to Figure 10, the reliability corresponding to "17 points" is "low." Therefore, 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 reliability information regarding the registration information acquired in S2 to the car sharing system 4 via the output unit 108 (S14).

In summary, an information processing device 1 according to one aspect of the present invention comprises 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 user credit information 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 credit information.

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

In conventional technology, the car sharing system 4 was unable to evaluate the reliability of the registration information of the vehicles and users registered with the system. The information processing device 1 can provide the car sharing system 4 with information to refer to in order to evaluate this reliability (i.e., reliability information).

This allows the car sharing system 4 to, for example, impose restrictions on the use of services on users whose registration information is unreliable. Restrictions, for example, mean that the user will no longer be able to rent vehicles with usage fees above a certain level.

In addition, the car sharing system 4 can impose restrictions on registration with the car sharing system 4 for vehicles with unreliable registration information. Restrictions, for example, can prevent the vehicle usage fee from being set higher than a certain amount.

Furthermore, 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 multiple vehicle information collection systems 3 and multiple credit information collection systems 2, respectively. The multiple vehicle information collection systems 3 may collect complementary information about the vehicle. For example, by acquiring vehicle information from multiple 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, comprehensive information about the entire vehicle can be acquired. Similarly, the multiple credit information collection systems 2 may collect complementary information about the user. For example, by acquiring credit information from credit information collection systems 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, comprehensive information about the user's asset holdings and cash flow can be acquired.

In this way, the information processing device 1 comprehensively acquires vehicle information and credit information, allowing it to evaluate registration information from multiple perspectives and provide more accurate reliability information to the car sharing system 4.

6. Modes of 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 FIGS. 5 and 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 vehicle registration information and the vehicle information do not have common items will be described.

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

Figure 12 is a diagram showing vehicle information for vehicle v3. In the vehicle information for vehicle v3, the following values are associated with the fields "Year of manufacture," "Mileage," "Battery wear," "Brake wear," "Number of vehicle inspections," "Last vehicle inspection," "Repair history," "Unrepaired parts," and "Number of accidents," respectively: "2012," "70,000 km," "40%," "50%," "8 times," "February 2018 (invalid)," "No repair history," "Headlight out, scratches on right side of vehicle," and "3 times." Comparing Figures 11-12, the registration information for vehicle v3 and the vehicle information for vehicle v3 do not share some of the same fields. That is, the registration information for vehicle v3 includes a field (in this example, the "Condition" field) that cannot be compared with the vehicle information for vehicle v3.

Figure 13 is a flowchart illustrating an example of a method for generating reliability information when the vehicle registration information and vehicle information do not share at least some of the same items. In Figures 11 and 12, the registration information for vehicle v3 includes a "status" item, while the vehicle information for vehicle v3 does not include a "status" item. Therefore, the information processing device 1 may estimate a value corresponding to the "status" item based on the vehicle information for vehicle v3, and generate reliability information based on the estimated "status" and the "status" in the registration information for vehicle v3. Note that the processing in the flowchart in Figure 12 is an example of the processing performed at S12 in the sequence diagram in Figure 4.

First, the information processing device 1 determines whether there are any unrepaired parts based on the vehicle information for vehicle v3 (S120b). According to the vehicle information for vehicle v3 in Figure 12, the "Unrepaired Parts" field is associated with the value "Headlight out, Scratch on right side of vehicle." In other words, the information processing device 1 determines that there are any unrepaired parts on 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 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 "Last vehicle inspection date" field. 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 "Condition" field of vehicle v3 is "Very bad" (S136b).

Next, the information processing device 1 generates reliability information for the registration information of vehicle v3 based on the value corresponding to the estimated "status" and the value associated with the "status" in the registration information (S138b). In this example, even though the value "very good" is associated with the "status" in the registration information of vehicle v3 (see Figure 11), the value corresponding to the "status" estimated based on the vehicle information of vehicle v3 is "very bad" (see Figures 12-13). Therefore, the information processing device 1 generates, via 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 11-13, 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 while this example describes generating reliability information about a vehicle's registration information by processing vehicle information, reliability information about a user's registration information may also 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 to this. 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 excluding the specific user.

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

In Figure 14, the score for the reliability of a specific user's registered information (i.e., "50 points") 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 specific user's registered information is "65" via the output unit 108. A car sharing business operator that obtains this reliability information can understand that the reliability of the specific user's registered information is higher than the general level of reliability of other users' registered information.

Even if a car sharing operator obtains reliability information that includes information about the score calculated using the method described with reference to Figure 9, they may not be able 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 about the user's reliability relative to other users in the reliability information, car sharing operators can more easily use the reliability information in the services they provide.

In this example, the reliability information is described as including a standard deviation value regarding the reliability of user registration information, but the reliability information may also include a standard deviation value regarding the reliability of vehicle registration information. Furthermore, the standard deviation value may be replaced with other measures for expressing relative degree (for example, rankings, ratios, etc.).

[Modification 3]
In the above embodiment, the method for generating reliability information about the vehicle registration information based on the vehicle information (see FIGS. 5 and 6) and the method for generating reliability about the user registration information based on the credit information (see FIGS. 7 and 8) have been described, but the present invention is not limited to this. Specifically, reliability information about at least one of the vehicle registration information and the user registration information 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 vehicle information about vehicle v4 and the credit information of user u4, who is the owner of vehicle v4.

The registration information for vehicle v4 has values associated with each of the following items: "Year of manufacture," "Mileage," "Last vehicle inspection," "Repair history," "Unrepaired areas," "Number of accidents," and "Car loan." On the other hand, the vehicle information for vehicle v4 does not have a value associated with the "Car loan" item. In other words, the vehicle information for vehicle v4 makes it impossible to evaluate the reliability of the value associated with the "Car loan" item in the registration information for 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 referencing the value associated with the "car loan" item in user u4's credit information. In this example, the value "unpaid" is associated with the "car loan" item in user u4's credit information, while the value "paid in full" is associated with the same item in vehicle v4's registration information. In other words, by referencing user u4's credit information, the information processing device 1 can evaluate that the value associated with the "car loan" item in vehicle v4's registration information is unreliable.

As with the information about the "car loan" in this example, credit information may include information that can be used to evaluate the reliability of the vehicle's registration information. In other words, by referencing credit information in addition to vehicle information, reliability information about 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 for vehicle v5 and the credit information of user u5, who is the owner of vehicle v5.

User u5's registered information has values associated with each of the following items: "Annual Income," "Age," "Loan Amount," "Delinquent Payments," "Financial Assets," "Occupation," and "Number of Accidents." On the other hand, user u5's credit information does not have a value associated with the "Number of Accidents" item. In other words, it is not possible to evaluate the reliability of the value associated with the "Number of Accidents" item in user u5's registered information based on user u5's credit information.

Therefore, the information processing device 1 may 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.

Like the information about "accident information" in this example, vehicle information may include information that can be used to evaluate the reliability of a user's registered information. In other words, by referencing vehicle information in addition to credit information, reliability information about a 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 made up 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 made up 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, reliability information is described as being generated for each vehicle or user, but this is not limited to this. Specifically, reliability information may be generated for each item of registration information for a vehicle or user. For example, if the items of registration information for a vehicle are "manufacturing year," "mileage," and "repair history," reliability information regarding the registration information for "manufacturing year," reliability information regarding the registration information for "mileage," and reliability information regarding the registration information for "repair history" may be generated. Using the registration information for vehicle v2 (see Figure 6) as an example, the scores associated with "manufacturing year," "mileage," and "repair history" for vehicle v2 are "2 points," "0 points," and "10 points," respectively. Therefore, 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 that the reliability of the registration information regarding "repair history" is high.

In the above embodiment, the car sharing system 4, vehicle information collection system 3, credit information collection system 2, and information processing device 1 are described as being owned by a car sharing operator, a vehicle information collection business, a credit information collection business, 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 memory 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 comprises 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) that is different from the management system, a credit information acquisition unit 104 that acquires user credit information from a second collection system (corresponding to a credit information collection system 2) that is 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 about 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, the date of the most recent inspection of the vehicle, 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 delinquent 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 the 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 the 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 the degree to which the registration information is reliable or not.

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

[Supplementary Note 10]
In any one of Supplementary Note 1 to Supplementary Note 9, the credit information acquisition unit 104 may acquire the credit information from each of the plurality of 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 about the vehicle from a first collection system different from the management system, a credit information acquisition means for acquiring credit information about the user from a second collection system different from the management system, and an output means for outputting information regarding 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 causes a computer 30 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 (S2); acquiring vehicle information about the vehicle from a first collection system different from the management system (S6); acquiring credit information about the user from a second collection system different from the management system (S10); and outputting information about the reliability of the registration information based on the vehicle information and the credit information (S14).

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 (10)

A registration information acquisition unit that acquires registration information that a user registers in a management system that manages vehicles that can be traded among multiple users, from the management system,
The registration information is
User registration information regarding the status of the user's economic activity, which the user reports to the management system;
Vehicle registration information regarding the status of the target vehicle that the user declares to the management system and that the user sets as tradable in the management system,
A registration information acquisition unit ;
a vehicle information acquisition unit that acquires vehicle information that objectively indicates a state of the target vehicle from a first collection system that is different from the management system;
a credit information acquisition unit that acquires credit information that objectively indicates the state of the user's economic activity from a second collection system different from the management system;
an output unit that outputs reliability information regarding the possibility that the registration information contains errors and/or falsehoods based on the consistency between the user registration information and the credit information and the consistency between the vehicle registration information and the vehicle information ;
An information processing device comprising: 2. The information processing device according to claim 1, wherein the vehicle information includes information regarding at least one of the date the vehicle was manufactured, the condition of the battery installed in the vehicle, the number of times the vehicle has been inspected, the date of the most recent inspection of the vehicle, and the repair history of the vehicle. The information processing device of 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 3 , wherein the information relating to the financial transaction includes information relating to at least one of the amount of loan of the user, the amount of overdue loan payments of the user, and the financial assets of the user. The information processing device according to claim 1 , wherein the reliability information includes information indicating a relative relationship between the reliability of the user registration information and the reliability of other user registration information registered in the management system by one or more users other than the user. The information processing device according to claim 1 , wherein the reliability information includes information indicating a relative relationship between the reliability of the vehicle registration information and the reliability of other vehicle registration information registered in the management system for each of one or more vehicles excluding the target vehicle. The information processing device according to claim 1, wherein the vehicle information acquisition unit acquires the vehicle information from each of the plurality of 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 plurality of second collection systems. Computer,
A registration information acquisition means for acquiring registration information registered by a user in a management system that manages vehicles that can be traded among a plurality of users, the registration information acquisition means comprising:
The registration information is
User registration information regarding the status of the user's economic activity, which the user reports to the management system;
Vehicle registration information regarding the status of the target vehicle that the user declares to the management system and that the user sets as tradable in the management system,
A registration information acquisition means;
a vehicle information acquisition means for acquiring vehicle information that objectively indicates the state of the target vehicle from a first collection system different from the management system;
a credit information acquisition means for acquiring credit information that objectively indicates the state of the user's economic activity from a second collection system different from the management system;
an output means for outputting reliability information regarding the possibility that the registration information contains errors and/or falsehoods based on the consistency between the user registration information and the credit information and the consistency between the vehicle registration information and the vehicle information;
A program that functions as a On the computer,
Acquiring registration information registered by a user in a management system that manages vehicles that can be traded among multiple users,
The registration information is
User registration information regarding the status of the user's economic activity, which the user reports to the management system;
Vehicle registration information regarding the status of the target vehicle that the user declares to the management system and that the user sets as tradable in the management system,
Obtaining registration information;
acquiring vehicle information that objectively indicates the state of the target vehicle from a first collection system that is different from the management system;
acquiring credit information that objectively indicates the state of the user's economic activity from a second collection system different from the management system;
outputting reliability information regarding the possibility that the registration information contains errors and/or falsehoods based on the consistency between the user registration information and the credit information and the consistency between the vehicle registration information and the vehicle information;
An information processing method for executing the above.