JP2008065592A - Credit information reference system and method, credit information reference program, and storage medium for storing the program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit information reference technique capable of precisely determining a customer's creditability by eliminating human errors in handling similar information contained in reference results. <P>SOLUTION: A management server (credit information reference server 1) for referring to a credit information provider for a customer's credit information about customer information is used to refer to the credit information provider 3 for credit information based on the customer information. If the credit information found is determined to include similar information, a determination is made as to whether or not the similar information is the credit information of the same person as the customer; if the similar information is determined to be the credit information of the same person as the customer, the credit information provider 3 is referred to for credit information according to the similar information. Also, the credit information found according to the customer information and the credit information found according to the similar information are added together; based on credit information resulting from the adding, the customer's credit is determined. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a credit information inquiry technique suitable when a financial institution such as consumer finance inquires credit information from a credit information institution when making a loan to a customer.

  In financial institutions such as consumer finance, in order to confirm the customer's debt repayment ability (credit) when making a loan to the customer, the credit information of the customer is inquired of the credit information institution and the inquiry result is used. And set a loan limit for customers.

By the way, the credit information obtained from the credit information institution has other credit information that is likely to be the same person as the customer's attribute information, as well as information such as the borrowing amount from other financial institutions. Similar information stating that it is to be included is included.
For example, by handling information that matches two of the three inquiry keys (name, date of birth, home phone number) as similar information, the customer's overall debts can be grasped more accurately. For example, in Patent Document 1, there is a system that can facilitate and speed up the credit decision of the user by displaying inquiry responses including similar information in a hierarchical manner on one screen. Yes.
JP 2002-24539 A

  However, even if similar information is obtained, the determination of whether the similar information belongs to the customer or the re-inquiry of credit information based on the similar information was based on artificial judgment and operation. May forget the wrong decision or re-inquiry about whether or not it is the same credit information as the customer. These misjudgments and forgetfulness are a major obstacle to accurately judging the creditworthiness of customers.

  The present invention has been made in view of such circumstances, and eliminates human error in handling similar information included in the inquiry result and can accurately determine the creditworthiness of the customer. The main challenge is to provide

  In order to achieve the above object, a credit information inquiry system according to the present invention is configured to have a management server that inquires a credit information organization for customer credit information based on customer information, and the management server includes: A first credit information inquiry means for inquiring credit information to the credit information institution based on customer information, and a similarity for determining whether there is similar information in the credit information inquired by the first credit information inquiry means An information presence / absence determination unit; and a similar person determination unit that determines whether the similar information is credit information of the same person as the customer when the similar information presence / absence determination unit determines that the similar information exists. A second credit information for inquiring credit information to the credit information institution based on the similar information when the similar information is determined by the same person determination means to be the credit information of the same person as the customer. It is characterized by comprising a query means.

  Therefore, when there is similar information in the credit information inquired by the first credit information inquiry means, the same person determination means determines whether the similar information is the credit information of the same person as the customer. If the credit information is determined to be the credit information of the same person, the second credit information inquiry means makes a credit information inquiry to the credit information institution based on the similar information. And the inquiry of credit information for similar information is automated, and no artificial judgment and operation are required.

  Here, customer information is information including customer attribute information such as name and date of birth obtained by a financial institution at the time of application, and similar information is response information from a credit information institution, Of the key items used as the personal identification search key (Kana name, date of birth, home phone number, etc.), for example, one item is different answer information, and all the key items are the same answer It is information for information (personal information).

  In addition, the condition for determining that the same person is based on the similar information is to select in advance a condition in which it is almost certain that the person is the same in the past, and to determine whether or not this condition is satisfied. Among the key items used as the search key, when two specific items match and one of other predetermined customer information matches, it is determined that they are the same person.

  In the above-described configuration, the information processing apparatus further includes credit information summing means for summing the credit information inquired by the first credit information inquiring means and the credit information inquired by the second credit information inquiring means, and the summed credit information is provided. You may make it further provide the credit determination means which determines a customer's credit based on information.

  According to such a configuration, the credit information based on the similar information is added to the credit information of the principal, so that the credit information of the same person can be avoided from being dispersed, and the credit judgment is performed based on the summed credit information. This makes it possible to comprehensively judge the creditworthiness of customers.

  Therefore, the feature of the credit information inquiry method using the system configured to include a management server that inquires the credit information agency of the customer's credit information based on the customer information is The credit information is inquired to the credit information institution, and if it is determined that similar information exists in the referred credit information, it is determined whether or not the similar information is credit information of the same person as the customer. When the similar information is determined to be credit information of the same person as the customer, the credit information is inquired to the credit information organization based on the similar information. The credit information inquired based on the credit information inquired based on the similar information is added together, and the credit of the customer is determined based on the summed credit information.

  Such a method is realized by a computer-readable control program installed in a management server or the like. Such a control program sends a credit to the credit information organization based on the customer information to the management server. A first credit information query function for querying information, a similar information presence / absence determination function for determining whether there is similar information in the referred credit information, and when it is determined that the similar information exists, The same person determination function for determining whether similar information is credit information of the same person as the customer, and when the similar information is determined to be credit information of the same person as the customer, Based on the above, it is preferable to realize a second credit information inquiry function for inquiring credit information to the credit information agency.

  In addition, the above control program determines the credit information of the customer based on the credit information summing function for summing the credit information inquired based on the customer information and the credit information inquired based on the similar information. The credit determination function to be performed may be further realized.

  The control program described above may be provided by being stored in a computer-readable storage medium, or may be distributed via wired or wireless communication means.

  As described above, according to the present invention, when similar information is obtained, it is automatically determined whether the similar information belongs to the customer or re-inquiry of credit information based on the similar information. Therefore, there is no need for manual judgment and operation in handling similar information, and there is no inconvenience of forgetting an error in judging whether or not the similar information is the credit information of the same person as the customer and forgetting the re-inquiry. For this reason, it becomes possible to judge a customer's creditworthiness accurately and promptly.

  Embodiments of the credit information inquiry system of the present invention will be described below with reference to the accompanying drawings.

  In FIG. 1, 1 is a credit information inquiry server (management server), and 2 is a management terminal for a credit information inquiry server. 3 is a credit information institution, which is connected to the credit information inquiry server 1 via the network 4 such as the Internet, receives the inquiry message of the customer's credit information from the credit information inquiry server 1, and responds after performing the inquiry process. A service for returning a message to the credit information inquiry server 1 is provided.

  The credit information inquiry server 1 is an information processing apparatus having a CPU, a ROM, a RAM, and the like. Various software for the server is read from a storage medium, held in a memory, and executed by the CPU. This credit information inquiry server 1 performs processing related to credit information for customers by using, for example, a database provided in the center 5. The credit information inquiry server 1 inquires credit information from an external credit information organization 3 and stores it therein. It uses personal credit information.

  The database includes a credit information inquiry result database D1, a similarity determination database D2, and a customer examination information database D3. Among these, the credit information inquiry result database D1 is a database for storing the answer results transmitted from the credit information agency 3. For example, as shown in FIG. The credit information transmitted from the credit information institution 3, the similar information status code indicating the status determination result of the similar information, the name of the customer, and the like are stored in association with each other.

  Here, Application No. Consists of a parent code assigned on a per-customer basis and a child code that distinguishes whether it is a query based on customer information or a re-query based on similar information, even for the same customer (the same parent code) If it is the first inquiry based on customer information, a child code “a” is assigned, and if it is a re-inquiry based on similar information, a child code “b” is assigned.

  The similar information status code is a code indicating the presence / absence of similar information, the determination of the same person, and the progress status of the inquiry based on the similar information. If there is no similar information, the similar information status code “A”, similar information Is the same person information as the customer, and if the inquiry based on the similar information has not been made or is being inquired, the similar information status code “B”, the similar information is the same person information as the customer When it is determined that there is a query, the inquiry is made based on the similar information, and the summing process described later is completed, the similar information status code “C” is determined, and the similar information is determined to be information about the customer and another person. Is assigned a similar information status code “D”.

  The similarity determination database D2 is a database that stores customer attribute information and the like used to determine whether the similar information is credit information of the same person as the customer.

  The customer examination information database D3 is a database that stores information necessary for the credit judgment of the customer. For example, as shown in FIG. The name of the customer, the combined credit information (information obtained by adding the credit information obtained by the inquiry based on the customer information and the credit information obtained by the inquiry based on the similar information) and the like are stored in association with each other.

  Further, as shown in the figure, the credit information inquiry server 1 includes first credit information inquiry means 10 for making an inquiry of credit information to the credit information agency 3 based on customer information by the installed software, When it is determined by the similar information presence / absence determining means 11 that the similar information exists in the credit information inquired by the credit information inquiry means 10 and the similar information presence / absence determining means 11 determines that the similar information exists. The same person determination means 12 for determining whether the similar information is the credit information of the same person as the customer with reference to the customer attribute information in the similarity determination database D2, and the similar information is the same as the customer in the same person determination means 12. When the credit information is determined to be human credit information, the second credit information inquiry means 13 for inquiring credit information to the credit information agency 3 based on the similar information, and the customer information is referred to. Credit information summing means 14 for summing the credit information inquired based on the similar information and the credit information inquired based on the similar information, and the credit information inquired based on the customer information and the credit information inquired based on the similar information in the credit information inquiry result database D1 And the credit information storage means 15 for storing the credit information inquired based on the customer information and the summed credit information in the customer examination information database D3, and on the basis of the credit information stored in the customer examination information database D3, Credit judging means 16 for judging the credit of the customer is provided.

  FIG. 4 shows an example of an operation process performed by the credit information inquiry server 1 as a flowchart. Hereinafter, an example of an operation process performed by the credit information inquiry server 1 will be described based on this flowchart. The processing example shown here is installed by supplying a control program that can be read by the credit information inquiry server 1 via a storage medium such as a CD-ROM or by distributing it to a server via a network. This is done by executing the installed control program.

  First, the credit information query server 1 queries the credit information agency 3 for customer credit information based on the customer information input from the management terminal 2 (step S1). In this inquiry step, an inquiry message including customer information is transmitted from the credit information inquiry server 1 to the credit information agency 3, and the credit information agency 3 receives the inquiry message and performs an inquiry process, and the result is a response message. To the credit information inquiry server 1, and the credit information inquiry server 1 receives this reply message in the form shown in FIG. 5A, for example.

  Thereafter, it is determined whether or not similar information exists in the reply message (step S2). If it is determined that similar information does not exist, processing related to the similar information becomes unnecessary. The similar information status code “A” indicating that there is no similar information is assigned, and the initial inquiry based on the parent code assigned to each customer and the customer information is completed in the credit information inquiry result database D1. A child code “a”, credit information, customer attribute information, and the like indicating this are written together with the similar information status code “A” (step S3).

  If it is determined in step S2 that similar information exists (as shown in FIG. 5A), it is determined whether the similar information is credit information of the same person as the customer (step S2). S4). Based on the customer attribute information stored in the similarity determination database, the condition for determining the same person from the similar information is selected in advance in the past. For example, if two specific items in the application data match and one of the attribute information of a given customer matches, it is determined that they are the same person Like to do.

  In this step S4, when it is determined that the similar information is not the credit information of the same person as the customer, it is not necessary to re-inquire the credit information based on the similar information, so the similar information status code indicating that it is a different person “D” is assigned to the credit information query result database D1, a parent code assigned in customer units, a child code “a” indicating that the initial query based on customer information is completed, credit information, The customer attribute information and the like are written together with the similar information status code “D” (step S5).

  On the other hand, if it is determined in step S4 that the similar information is the credit information of the same person as the customer, it is necessary to re-inquire the credit information of the customer based on the similar information. A similar information status code “B” indicating that the inquiry based on the similar information has not been completed yet (the inquiry is still in progress or being inquired) is assigned to the credit information inquiry result database D1, A parent code assigned in customer units, a child code “a” indicating that the initial inquiry based on customer information is completed, credit information, customer attribute information, and the like, together with this similar information status code “B” Write (step S6).

  Then, the credit information organization 3 is inquired for credit information based on the similar information determined to be the same information as the customer (step S7). This inquiry step transmits an inquiry message including similar information from the credit information inquiry server 1 to the credit information agency 3, and the credit information agency 3 receives the inquiry message and performs an inquiry process. To the credit information inquiry server 1, and the credit information inquiry server 1 receives this reply message.

  Thereafter, the credit information inquiry server 1 receives the reply message from the credit information agency 3, and sums the credit information inquired in step S1 and the credit information inquired in step S7 (step S8). As shown in FIG. 5B, this summing process is performed, for example, by summing the number of main debts and the amount of money.

  Then, after the summing process is performed, a similar information status code “C” indicating that the summing process has been completed is assigned, and the parent code assigned to each credit information inquiry result database D1 or similar The child code “b” indicating that the re-inquiry based on the information is completed, the credit information obtained based on the similar information, the customer attribute information, etc. are written together with the similar information status code “C”. In the first inquiry data to which the same parent code is assigned, the similar information status code is changed to “C” (in FIG. 2, the similar information status code of the parent code “001” is changed to “C”) ( Step S9).

After each of the above steps S3, S5, and S9 is performed, the credit information (similar information status code is “A”) in the parent code unit assigned to the customer (in the customer unit). And “D” in the case of “D”, only the credit information based on the first customer information) is associated with the customer attribute information etc. and registered in the customer examination information database D3 (step 10).
Then, based on the credit information registered in the customer examination information database D3, a credit judgment is performed according to a predetermined rule (step S11).

  Therefore, according to the credit information inquiry system described above, the credit information is based on the determination whether the similar information is the credit information of the same person as the customer or the similar information determined to be the credit information of the same person as the customer. Since the credit information re-inquiry is automatically made to the institution 3, there is no need for artificial judgment and operation, and an error or re-inquiry in judging whether the similar information is the credit information of the same person as the customer. The inconvenience of forgetting is lost. For this reason, it becomes possible to judge a customer's creditworthiness accurately and promptly.

  In addition, since credit information determined by the same person as the customer is summed up, it is possible to avoid dispersal of the credit information of the same person, and since credit judgment is performed based on the summed credit information, the creditworthiness of the customer Can be comprehensively judged.

FIG. 1 is a block diagram showing a configuration example of a credit information inquiry system according to the present invention. FIG. 2 is a diagram showing the configuration of the credit information inquiry result database. FIG. 3 is a diagram showing a configuration of the customer examination information database. FIG. 4 is a flowchart showing an example of operation processing by the credit information inquiry server. FIG. 5 (a) is a diagram for explaining an example in which similar information is included in the answer obtained by the first credit information inquiry means, and FIG. 5 (b) is obtained by the first credit information inquiry means. It is a figure explaining the example which adds together the example of an answer (example of an answer of credit information based on customer information) and the example of an answer (example of answer of credit information based on similar information) obtained by the 2nd credit information inquiry means.

Explanation of symbols

1 credit information inquiry server 3 credit information agency D1 credit information query result database D2 similarity judgment database D3 customer review information database

Claims (8)

A credit information inquiry system having a management server that inquires a credit information agency for customer credit information based on customer information,
The management server
First credit information query means for querying credit information to the credit information agency based on the customer information;
Similar information presence / absence determination means for determining whether or not there is similar information in the credit information referred to by the first credit information inquiry means;
When it is determined by the similar information presence determination means that the similar information exists, the same person determination means for determining whether the similar information is credit information of the same person as the customer;
A second credit information query for querying credit information to the credit information institution based on the similarity information when the same person determination means determines that the similar information is credit information of the same person as the customer; And a credit information inquiry system. 2. The credit information according to claim 1, further comprising credit information summing means for summing credit information inquired by the first credit information inquiring means and credit information inquired by the second credit information inquiring means. Information inquiry system. 3. The credit information inquiry system according to claim 2, further comprising credit judgment means for judging the credit of the customer based on the credit information added by the credit information summing means. In a credit information inquiry method using a system configured with a management server that inquires a credit information agency for customer credit information based on customer information,
In the management server, the credit information is inquired to the credit information institution based on the customer information, and when it is determined that similar information exists in the inquired credit information, the similar information is the same as the customer. It is determined whether or not the credit information is a person's credit information, and when the similar information is determined to be the same credit information as the customer, the credit information institution is inquired of the credit information organization based on the similar information A credit information inquiry method characterized by: 5. The credit information inquired based on the customer information and the credit information inquired based on the similar information are added together, and the credit of the customer is determined based on the added credit information. Credit information inquiry method. In a computer-readable credit information inquiry program for inquiring credit information using a system configured with a management server that inquires a credit information agency of customer credit information based on customer information,
In the management server,
A first credit information inquiry function for inquiring credit information to the credit information agency based on the customer information;
A similar information presence / absence determination function for determining whether there is similar information in the referred credit information;
When it is determined that the similar information exists, the same person determination function that determines whether the similar information is credit information of the same person as the customer;
When the similar information is determined to be credit information of the same person as the customer, a second credit information inquiry function for inquiring credit information to the credit information agency based on the similar information is realized. A credit information inquiry program characterized by that. Credit information summing function for summing credit information inquired based on the customer information and credit information inquired based on the similar information, and a credit judgment function for judging the credit of the customer based on the summed credit information The credit information inquiry program according to claim 6, further comprising: A computer-readable storage medium storing the program according to claim 6 or 7.

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