Granted Patent B2

US 12,591,922 · App. 18/549,820 · Granted Mar 31, 2026

Inventor: Hideki Fujii (Tokyo, JP)

Assignee: ADVASA Co., Ltd.

G06Q30/0631G06Q40/08G16H50/30

Abstract

Claims (51)

1 . A system for determining a product or service that is suitable for a user, the system comprising a processor, the system being connected to a user terminal apparatus and a dispersed network, the user terminal apparatus and the dispersed network storing data and/or Information related to a user, the processor being configured to:

communicate with the user terminal apparatus and the dispersed network to acquire data and/or Information related to the user;

calculate a score that multidimensionally represents a characteristic of the user by inputting the acquired data and/or Information related to the user into a machine learning model, the machine learning model having learned a relationship between data and/or Information related to a plurality of users with a score; and

determine the product or service that is suitable for the user by utilizing the score, the determining comprising:

deducing a feature in accordance with a field of the product or the service from the score; and

determining the product or the service associated with the feature,

wherein the processor is further configured to:

adjust an acquirable range of the data and/or Information related to the user, in response to an input by the user, and

calculate the score such that the broader the acquirable range is, the more favorable the score becomes.

2 . The system of claim 1 , wherein the determination means performs:

deducing a feature in accordance with a field of the product or the service from the score; and

determining the product or the service based on the feature.

3 . The system of claim 2 , wherein

the system is a system for determining a financial product that is suitable for a user, and

the feature comprises a feature that can be used to evaluate a risk for the user.

4 . The system of claim 3 , wherein

the system is a system for determining an insurance product that is suitable for a user, and

the feature comprises a feature that can be used to evaluate a health and/or financial risk for the user.

5 . The system of claim 2 , wherein

the system is a system for determining a travel plan that is suitable for a user, and

the feature comprises a feature that can be used to evaluate a behavioral character of the user.

6 . The system of claim 2 , wherein

the system is a system for determining a consumable good that is suitable for a user, and

the feature comprises a feature that can be used to evaluate a preference of the user.

7 . The system of claim 1 , wherein the score comprises a feature that can be used to evaluate whether the user is a person who is trustworthy.

8 . The system of claim 7 , wherein the score comprises a feature related to personality, a feature related to money, and a feature related to health.

9 . The system of claim 1 , wherein the processor is configured to calculate the score in accordance with a degree of correlation of the acquired data and/or Information related to the user with at least one of a concept related to personality, a concept related to money, and a concept related to health.

10 . The system of claim 1 , wherein the data and/or Information comprises information stored in a payroll card.

11 . The system of claim 1 , wherein the processor is configured to

write the score into a token the user owns, and

the processor is configured to be able to read out the score from the token.

12 . The system of claim 11 , wherein the processor is further configured to write information indicating the determined product or service into the token.

13 . The system of claim 1 , wherein the processor is configured to present the determined product or service to the user.

14 . A method for determining a product or service that is suitable for a user, the method being performed by a system connected to a user terminal apparatus and a dispersed network, the user terminal apparatus and the dispersed network storing data and/or Information related to a user, comprising:

communicating with the user terminal apparatus and the dispersed network to acquire data and/or Information related to a user;

calculating a score that multidimensionally represents a characteristic of the user by inputting the acquired data and/or Information related to the user into a machine learning model, the machine learning model having learned a relationship between data and/or Information related to a plurality of users with a score; and

determining the product or service that is suitable for the user by utilizing the score, the determining comprising:

deducing a feature in accordance with a field of the product or the service from the score; and

determining the product or the service associated with the feature,

wherein the method further comprises:

adjusting an acquirable range of the data and/or Information related to the user, in response to an input by the user; and

calculating the score such that the broader the acquirable range is, the more favorable the score becomes.

15 . A non-transitory computer readable storage medium storing a program for determining a product or service that is suitable for a user, the program being executed in a computer system comprising a processor, the computer system being connected to a user terminal apparatus and a dispersed network, the user terminal apparatus and the dispersed network storing data and/or Information related to a user, the program causing the processor to perform processing comprising:

communicating with the user terminal apparatus and the dispersed network to acquire data and/or Information related to a user;

calculating a score that multidimensionally represents a characteristic of the user by inputting the acquired data and/or Information related to the user into a machine learning model, the machine learning model having learned a relationship between data and/or Information related to a plurality of users with a score; and

determining the product or service that is suitable for the user by utilizing the score, the determining comprising:

deducing a feature in accordance with a field of the product or the service from the score; and

determining the product or the service associated with the feature,

wherein the processing further comprises:

adjusting an acquirable range of the data and/or Information related to the user, in response to an input by the user; and

calculating the score such that the broader the acquirable range is, the more favorable the score becomes.

Assignments (3)

Priority Claims (1)

Continuity (1)

References Cited (12)