Time discount rate estimation apparatus, machine learning method, time discount rate analysis method, and program

A time discount rate estimation apparatus that estimates a time discount rate in an estimation phase, the time discount rate estimation apparatus comprising:

• a memory;
• and
• a processor coupled to the memory and configured to:
• by using a machine-learned model parameter obtained by calculating an error between a value obtained by standardizing values of a plurality of behavior features of a predetermined user and then multiplying each of the standardized values by a model parameter indicating each coefficient serving as a weight and a time discount rate serving as ground-truth data based on an answer by the predetermined user and performing machine learning on the model parameter so as to reduce the error, calculate a time discount rate based on various types of behavior feature data in which values of a plurality of behavior features of a specific user are standardized and output the time discount rate.