JP2001331749A - Method and system for guarantee business - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a system for guarantee business which perform payment for a customer, who has used services, and guarantee execution to a comprehensive service company or the like of the Internet or the like and enable a service provider company or the like to collect the charge for use. SOLUTION: A guarantee business system includes a service execution means which executes services related to a demander for a customer, a bill issue and execution means 12 which issues a bill to the customer who has received services and receives the demanded amount from the customer, a credit processing means 21 which gives credit when guaranteeing contract of the demander to the customer, and a guarantee execution means 22 which executes a guarantee within the range of credit given by a guarantor in the case that the customer doesn't pay a demander's debt.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an assurance service system and method for performing, for example, a service fee collection service for use of services and an assurance service for usage fees, and more particularly to, for example, a comprehensive computer network (Internet). Automatic bank debit for service usage fees and paid content usage fees, and guarantee services for usage fees.

[0002]

2. Description of the Related Art At present, various services are provided by a wide-area computer network such as the Internet. However, as shown in FIG. The comprehensive Internet service company that received the content pays the content provision fee to the paid content provider and issues a bill to general, corporate, and self-employed customers about the use of the comprehensive Internet service. It issues the basic fee and the content usage fee from the customer's savings account to the bank.

[0003]

However, the number of users who use the services provided by the Internet integrated service company is unspecified and large, and the issuance of bills for service usage fees becomes complicated, and the credit management of customers is not sufficiently performed. I can't. For this reason, there is a case where the service fee is not paid from the customer even if the usage fee bill is issued, or the usage fee cannot be debited (collection agency). Therefore, a main object of the present invention is to provide a comprehensive service company such as the Internet with a payment for a customer who has used the service and to execute a guarantee, so that a service provider or the like can reliably collect usage fees. To provide a guarantee business system and a method thereof.

[0004]

An outline of this system and its method will be briefly described with reference to FIG. First, a service provider (claimer) provides a comprehensive service via the Internet. The service provider (claimer) sends billing data for the customer to the guarantor. The guarantor sends the billing data to the billing agent, and sends the billing account debit data to the account debiting agent. The billing agent issues a bill to the customer. A direct debit agent performs a direct debit from a customer's bank or other financial institution. The withdrawal result and the withdrawn money are sent to the guarantor (collection agent). Pay the withdrawn money to the service provider (claimer). In addition, the guarantor (collection agent) pays the money that has not been withdrawn. The guarantor (collection agent) bills the customer for the amount paid for the advance.

[0005] The invention according to claim 1 of the present invention provides a service execution means for executing a service related to a claimant to a customer,
An invoicing / executing means for issuing an invoice to the customer who has received the service and receiving the amount of the invoice from the customer, a credit processing means for providing credit for guaranteeing the contract the invoicer has for the customer, and A guarantee execution means for executing a guarantee within a range of credit provided by the guarantor when the guarantor does not pay the debt to the claimant. An invention according to claim 2 of the present invention is a guarantee system in which a guarantor guarantees the amount charged to a customer made by the claimant. Credit limit data creating means for categorizing customer data having transactions, assigning coefficients to each category, and calculating the probability of delinquency and / or unpaid for each customer based on the assigned coefficients; Categorizing and assigning coefficients to each category, and calculating the probability calculated by the guarantee history / credit limit data creating means for calculating the probability of delinquency and / or unpaid for each customer based on the assigned coefficient. Credit limit creation means for grouping from two types to infinity types and creating a credit limit for each group, and a credit limit determined for the group to which each customer belongs Credit limit granting means for granting the amount to each customer, and guarantee within the range of the claimant's bill and the limit of credit given by the guarantor when the customer does not pay the claimant The guarantee business system according to claim 1, further comprising a guarantee execution unit that performs the following. The invention according to claim 3 of the present invention further comprises a withdrawal confirming means for confirming whether or not the bill for the customer who received the service has been debited and paid to the claimant. It is a guarantee business system. The invention according to claim 4 of the present invention is the guarantee business system according to any one of claims 1 to 3, wherein the guarantee execution means includes means for paying out a debt to a claimant owned by the customer. The invention according to claim 5 of the present invention further includes assurance object availability determination means for comparing customer data sent from the invoicer with assurance history data held by the guarantor to determine whether the customer is an assurance object. An assurance service system according to any one of claims 1 to 4. In the invention according to claim 6 of the present invention, the credit limit data creating means categorizes continuous data and discontinuous data in customer data having a transaction in the past for a predetermined period, and assigns a coefficient to each category. The guarantee business system according to any one of claims 1 to 5, wherein the probability of being overdue and / or unpaid for each customer is calculated based on the assigned coefficient. According to a seventh aspect of the present invention, the credit limit data creating means comprises:
Record and store the warranty history of customers who have had a transaction in the past for a predetermined period, categorize continuous data and discontinuous data in customer data with that warranty history, and assign coefficients to each category. 7. The guarantee according to any one of claims 1 to 6, wherein the guarantee is a guarantee history / credit limit data creating means for calculating a probability of delinquency and / or unpaid for each customer based on the given and assigned coefficient. It is a business system. In the invention according to claim 8 of the present invention, the credit limit giving means categorizes customer data for credit calculation sent from the claimant from continuous data and discontinuous data items, and Is given, and the probability that each limit is overdue and / or unpaid is calculated based on the assigned coefficient, and the two types are grouped from infinity to infinity based on the calculated probability. The guarantee business system according to any one of claims 1 to 7, wherein a credit limit determined in a group to which each customer belongs is given to each customer. The invention according to claim 9 of the present invention is the assurance service system according to any one of claims 1 to 8, wherein the continuous data includes fluctuating and continuous data such as the years of establishment and the number of employees. Claim 1 of the present invention
Invention 0 is the guarantee service system according to any one of claims 1 to 9, wherein the discontinuity data includes a business type or the like.

According to an eleventh aspect of the present invention, there is provided a method for determining whether or not there is a duplicate credit based on customer data and / or whether or not payment has been delayed, and a credit for calculating a credit limit based on the customer data. And issuing a bill and debiting,
A step of determining whether or not the customer is a guaranteed person based on the customer data when the debit has not been made; a step of matching a credit result performed in advance with data of the customer who has not been debited; And a step of guaranteeing the guarantee limit to the customer who was the object of the guarantee as a result of the collation. An invention according to claim 12 of the present invention is a method in which a guarantor guarantees an amount charged to a customer made by the claimant, the method comprising the steps of: The continuity data and the discontinuity data in the customer data having a period of transaction are categorized, coefficients are assigned to the respective categories, and the delinquency and / or Or a guarantee history / credit limit data creation step for calculating the probability of being unpaid, and categorizing and giving a coefficient to each category,
From two types to infinite types based on the probabilities calculated by the guarantee history / credit limit data creation means for calculating the probability of delinquency and / or unpaid for each customer based on the assigned coefficient A credit limit creating step of grouping and creating a credit limit for each group, and collating customer data sent from the claimant with guarantee history data of the guarantor to determine whether the customer is eligible for guarantee. From the guarantee data availability determination step and the customer data for credit calculation sent from the claimant, categorize from continuous data and discontinuous data items, assign a coefficient to each category, and assign the assigned coefficient. Based on the calculated probability of being overdue and / or unpaid for each limit, the two types are grouped from infinity to infinity based on the calculated probabilities.
A credit limit granting step in which a credit limit determined in a group to which each customer belongs is given to each customer; and when a payment is not made by the customer to the claimant, within a range of the claimant's bill and a guarantor Performing a guarantee within the credit limit granted by the security officer.
This is the method of assurance business described in the above. Claim 13 of the present invention
The invention of claim 11 or 1 further comprises a withdrawal confirmation step of confirming whether or not the bill for the serviced customer has been debited and paid to the claimant.
This is the second guarantee method. According to a fourteenth aspect of the present invention, the guarantee execution step includes a step of reimbursement of a debt to a claimant owned by the customer.
3. The guarantee business method according to any one of 3. The invention according to claim 15 of the present invention further matches customer data sent from the claimant with guarantee history data held by the guarantor,
The guarantee business method according to any one of claims 11 to 14, further comprising a guarantee object availability determination step of determining whether the customer is a guarantee object. In the invention according to claim 16 of the present invention, the credit limit data creating step categorizes continuous data and discontinuous data in customer data having a transaction in a past predetermined period, and assigns a coefficient to each category. And calculating a probability of being overdue and / or unpaid for each customer based on the assigned coefficient.
The method of assurance business described in any one of 1 to 15. According to a seventeenth aspect of the present invention, in the credit limit data creating step, a guarantee history of a customer who has made a transaction for a predetermined period in the past is recorded and stored, and continuous data in the customer data having the guarantee history is stored. And discontinuity data, and assign a coefficient to each category,
17. The guarantee business according to claim 11, which is a guarantee history / credit limit data creation step of calculating a probability of delinquency and / or unpaid for each customer based on the assigned coefficient. Is the way. Claim 1 of the present invention
In the invention of the eighth aspect, the credit limit giving step categorizes the customer data for credit calculation sent from the claimant from data items having continuity and discontinuity, and gives a coefficient to each category, Calculate the probability that each limit will be overdue and / or unpaid based on the assigned coefficient,
The guarantee according to any one of claims 11 to 17, wherein a credit limit determined in a group to which each customer belongs, which is grouped from two types to infinity types based on the calculated probabilities, is given to each customer. It is a business method. According to the nineteenth aspect of the present invention, the continuous data
19. The guarantee business method according to any one of claims 11 to 18, wherein the method includes variable and continuous data such as the number of years of establishment and the number of employees. The invention according to claim 20 of the present invention is the method of guarantee business according to any of claims 11 to 19, wherein the discontinuity data includes a business type or the like.

The above objects, other objects, features and advantages of the present invention will become more apparent from the following detailed description of embodiments of the present invention with reference to the drawings.

[0008]

FIG. 2 is a diagram showing an example of a system configuration of a guarantee business system using a network according to an embodiment of the present invention.

As shown in FIG. 2, a system for guarantee business by this network includes an Internet general service center 1 as a service provider (claimer), a guarantee center 2 as a guarantor, and a general company / corporate / self-employed person. It is composed of a customer client 3 of a customer and hardware of an external settlement processing institution 4 composed of a bill issuing agent 4a and a direct debit agent 4b. These are physically connected by a wide area computer network. In the following description, it is assumed that the network connecting the Internet integrated service center 1, the guarantee center 2, the customer client 3, and the external settlement processing institution 4 is the Internet.

[0010] The Internet integrated service center 1
The system includes a service executing unit 11 for executing a service to a customer via the Internet, and a bill issuing / executing unit 12 for issuing a bill to the customer who has received the service and receiving a bill from the customer. Specifically, personal computers, workstations, servers, WWW
An information processing device such as a server is provided, and processing is performed by these information processing devices. The service executing unit 11 and the bill issuing / executing unit 12 are stored and executed in a storage device such as a magnetic disk device or an optical disk device of the information processing device. The service execution means 11 in the Internet integrated service center 1 is a means for transmitting and executing a service such as information provision related to a service provider (claimer) to the customer client 3 through the Internet. Internet Integrated Service Center 1
Is a means for issuing a bill to a customer who has received a service from the Internet integrated service center 1 and receiving a bill from the customer.

The customer client 3 is a terminal that uses contents provided by the Internet integrated service center 1 by utilizing a network, and is realized by, for example, a personal computer. The customer client 3 is an input / output device serving as an interface with a user who is a customer, and is specifically realized by an input device such as a keyboard and a mouse, and an output device such as a CRT display. Although a keyboard is prepared as an information input device for text data and the like, various input devices such as a pointing device such as a mouse, a trackball, and a joystick, a touch panel, and a switch can be used. As a storage device capable of storing images or other information, a hard disk and a CD-ROM drive are prepared, and image information or programs stored on a CD can be used. Of course, DVD, M
O, or a device for a storage medium such as a memory unit. Further, the personal computer of this embodiment can be connected to the Internet as a computer network (network), and can send and receive information such as image information or software via the network. In addition, the customer client 3 has a WW interface as an interface with the server of the Internet integrated service center 1.
Has a W browser. When the customer client 3 is a personal computer, the WWW browser is realized as a program stored in its memory.

The guarantee center 2 includes a credit processing unit 21, a guarantee execution unit 22, and a withdrawal confirmation unit 2 via the Internet.
3. Reimbursement means 24 and server 2 such as WWW server
5 is provided. The guarantee center 2 specifically includes information processing devices such as a personal computer, a workstation, and a server, and performs processing using these information processing devices. The credit processing unit 21, the guarantee execution unit 22, the debit confirmation unit 23, and the payment unit 24 are stored and executed in a storage device such as a magnetic disk device or an optical disk device of the information processing device. In addition, each of the processing means described above, that is, the credit processing means 21, the guarantee execution means 22, the debit confirmation means 23, and the advance payment means 24 are actually stored in the form of a program in the memory of the information processing device. Be executed.

The credit processing means 21 is a means for making a credit when guaranteeing a contract provided by a service provider (claimer) to a customer regarding provision of a service and payment of a service usage fee. This is means for recording and managing each data as shown in FIG. The credit processing means 21 includes a guarantee history / credit limit data creating means 2
11, a credit limit creating unit 212, a guarantee target availability determining unit 213, and a credit limit granting unit 214.

Assurance history / credit limit data creation means 211
Records and stores the history of guarantees of customers who have performed transactions for a predetermined period in the past, as well as continuous and discontinuous data in customer data (shown in FIG. 4) which has performed transactions for a predetermined period in the past. Is extracted, categorized, a coefficient is assigned to each category, and the probability of being overdue and / or unpaid for each customer is calculated by the arithmetic means based on the assigned coefficient. Data with continuity include birth date, registration date, establishment date, establishment date, capital, number of employees, number of family employees, number of regular employees, number of bases, contract date, annual sales, Data such as operating profit and ordinary profit.
The discontinuity data is data such as a telephone number, a representative name, a person in charge, a post, a registered address, an address, a business type, an industry, and a health insurance subscription status. Credit limit creation means 21
2 extracts credit items from customer data (shown in FIG. 4),
Assurance history / credit limit data creating means for categorizing each credit item, assigning a coefficient to each category, and calculating the probability of delinquency and / or unpaid for each customer by the arithmetic means based on the assigned coefficient This is a means for grouping from two types into infinity (∞) types based on the probabilities calculated by 211, and creating a credit limit for each group. The assurance object availability determination means 213 is a means for comparing customer data sent from the service provider (claimer) with assurance history data of the assurance person to determine whether the customer is an assurance object. The credit limit granting means 214 categorizes customer data for credit calculation sent from the service provider (claimer) from data items having continuity and discontinuity, and gives a coefficient to each category. ,
Calculate the probability that each limit will be overdue and / or unpaid based on the assigned coefficient. Based on the calculated probabilities, each type will be grouped from 2 types to infinity (∞). This is a means for giving each customer a credit limit determined in the group to which the customer belongs.

The guarantor center 2 is provided with a guarantor executing means 22 and executes a guarantor within the range of credit provided by the guarantor when the customer does not pay the guarantor the obligation of the bill. That is, when the customer does not pay the claimant, it is a means for guaranteeing within the range of the claimant's bill and within the credit limit given by the guarantor.

The guarantee center 2 is provided with a withdrawal confirmation means 23. Based on the withdrawal data (shown in FIG. 6) recorded in advance in the database, the money of the bill for the customer who has received the service is withdrawn and sent to the claimant. This is a means to confirm whether or not payment has been made.

The guarantee center 2 is provided with a reimbursement means 24 for reimbursement of a debt to a service provider (claimer) of a customer.

Next, a method of a guarantee operation will be described. 1. The customer uses the customer client 3 to apply for the provision of the Internet comprehensive service to the Internet comprehensive service center 1 as a service provider (claimer). 2. The Internet integrated service center 1, that is, a service provider (claimer) transmits an application form to the guarantee center 2 as a guarantor (collection agent). Based on the application form, the guarantor gives credit, determines the maximum amount of guarantee, and transmits necessary data to the service provider. The customer's payment will be deducted from the bank account. Provided.
In addition, some services may be withdrawn two months before the current month. Therefore, as a result, the guarantor guarantees for two months (partly for three months), so the guarantee upper limit here is the total of two months (partly for three months) It will be the amount. 4. The Internet integrated service center 1 as a service provider provides a service to the customer client 3 of the customer through the Internet by the service execution means 11. 5. The Internet integrated service center 1 as a service provider creates the bill creation data shown in FIG. 5 by the bill issuing / executing means 12 and transmits the billing data for the customer to the guarantee center 2 as the guarantor. For example, a bill is basically paid for the current month on the 27th of the current month, but depending on the content, there is a case where payment for the previous month or the month before the previous month is paid on the 27th of the current month. 6. The assurance center 2 as the guarantor creates the invoice creation data by the assurance executing means 22 and the invoicing agent 4a
Then, the billing data shown in FIG. 5 is transmitted. 7. The bill issuing agent 4a issues a bill to the customer. The bill includes data of service provider and guarantor names, billing details, and scheduled withdrawal date. 8. The guarantee center 2, which is a guarantor, creates debit data by the withdrawal confirmation means 23 and sends it to the account debit agent 4b as shown in FIG.
The debit data shown in is sent. 9. The direct debit agent 4b debits a customer's bank or other financial institution account. 10. The debit agent 4b deposits the debit amount into the guarantor's account by offsetting the fee, and sends the debit result data to the guarantor center 2, which is the guarantor. Warranty Center 2
The withdrawal confirmation means 23 confirms whether or not a debit has been executed from the account of a financial institution such as a bank based on the account withdrawal result data. Debits may not be debited due to insufficient balance. 11. The deducted amount is paid from the guarantee center 2 as a guarantor to the Internet integrated service center 1 as a service provider. In the guarantee center 2, the payment is made to the service provider on behalf of the customer by the reimbursement means 24 for the items not debited. That is, guaranteed execution is performed.

Next, the credit executed by the credit processing means 21 in the guarantee center 2 will be described. First,
The credit items of the customer data (shown in FIG. 4) are categorized by the guarantee history / credit limit data creating means 211 of the guarantee center 2 in accordance with a predetermined standard. To explain the categorization with the number of employees as an example, 1 to 10 people,
The categorization criteria (where to divide) and the number of categories (how many categories to classify) are regularly determined by the guarantee center 2 based on a statistical method. It is set and changed, and it is not constant. The same applies to the number of data in one category, and there is no regularity (eg, 1 to 3 persons, 4 to 7 persons,
8 to 21).

The “statistical method” here is a kind of “discrimination analysis” which is generally known, and the discrimination analysis means that a plurality of items (hereinafter, referred to as “items”) include two or more types. This is a method of predicting the probability of belonging to any of the groups. Here, “item” is a credit item, and a group refers to a group that leads to delinquency and a group that does not lead to delinquency. Also, the calculated answer is a probability. If 100% is a group that leads to delinquency, the larger the calculation result (the closer to 100%), the higher the probability of delinquency, indicating that the calculation result is small. The smaller the value (closer to 0%), the lower the probability of delinquency. Note that 100% and 0% are not calculated for the sake of probability prediction.

[0021] Qualitative data such as performances are also categorized in accordance with predetermined criteria. Categories are broadly divided into two types depending on the content of the item.
That is, “continuous data” such as the number of years of establishment and the number of employees and “discontinuous data” such as the type of business. Continuity data will be described using "year of establishment" as an example. I. Customer data that has been traded for a certain period of time in the past is categorized by years of business. The number of categories at this stage is theoretically infinite. (Foundation less than 1 year, 1 year, 1.1 years, 1.
(2 years to ∞ years) b. For each category, the ratio of unpaid transactions in past transactions is calculated. (Example: If the number of data items is 1,000 for less than one year, and the number of unpaid data items is 100, 1
0%) c. Check if the ratio of unpaid accounts can be explained theoretically. In the case of “year of establishment”, it is generally considered that the relationship between the number of years and the ratio is inversely proportional, so it is examined whether or not there is such a tendency (as described in a., The number of categories at this stage is Since the number of data may be small depending on the category because it is theoretically infinite, the tendency is verified only). If it is not possible to explain as a result of verification, it is not used as an item. D. Categorize into 4 to 10 categories. Categorization is performed so that the rate of unpaid for each category becomes the maximum value. Therefore, the categories have no regularity. (Example:
Category NO. "~ 2 years" NO. 2 "2 to 10 years" N
O. 3 "10 years to 11 years") The discontinuous data will be described by taking "business type" as an example. I. As described above, the ratio of unpaid payments is calculated for each industry. C. Businesses with the same ratio are categorized into 4 to 10 categories. Industries with few data are categorized as similar industries.

Next, coefficients set in advance by a statistical method are assigned to each category, and the probability of delinquency (unpaid) for each customer is calculated based on the assigned coefficients. That is, if one numerical value is predicted from one item by a single regression analysis, a simple regression equation, Y (probability of not reaching delinquency (unpaid)) = a (coefficient) × X (given for each category) The sum of the coefficients) + b (coefficient). For example, a = 0.00123, b = −567
Becomes The coefficient determined by the statistical method means that the obtained prediction result is calculated by a combination of categories of each item (hereinafter referred to as “attribute”). It is a coefficient assigned to each category for performing the calculation. This factor is
The guarantor is determined based on customer data that it has independently accumulated in the past and has conducted margin transactions with the guarantor. In other words, like other "prediction" methods, it builds a prediction model based on past data, applies the prediction model to newly given data, and calculates prediction results (specifically, Since 10% of the customers of the attribute A who have transacted in the past have been delinquent, the probability that the customer of the attribute A will be delinquent among the crediting customers is predicted to be 10%). The prediction model is
Since the past data is used to the last, data that is too far back in the past or data in a different period from the current environment and the external environment (such as a recession or the like) cannot be used, and the reliability of the predicted results obtained is low. . Therefore, it needs to be built periodically. In addition, since items used for each prediction model constructed periodically are added and deleted, the same items are not necessarily used. Even if the same item is used, the category is different.

Next, the credit limit creation means 212 calculates the total of the coefficients calculated by “discrimination analysis” and given for each category and the center point of the coefficient of the unpaid group (the group that has not been paid). Is calculated, and the probability is calculated (S103). Specifically, 0.1
234 and -0.5678. That is, in the “discrimination analysis”, there is a calculation formula for calculating the probability, and the calculation can be performed by substituting each coefficient into the calculation formula. The calculation formula is a content that is generally known in the world of statistics. The calculation formula is as follows. Probability of not paying = ÷ = exp [-(S-c1) ＾ 2 × 1 ÷ V ＾ 2 × 0.5] = exp [-(S-c1) ＾ 2 × 1 ÷ V ＾ 2 × 0.5 ]
+ Exp [-(S−c2) ＾ 2 × 1 ÷ V ＾ 2 × 0.5] exp is an exponential function, S is the sum of the coefficients given to the category, and c1 is the center point of the coefficients of the group that did not lead to delinquency. , C2 are the center points of the coefficients of the group that has reached delinquency, V is the standard deviation, and ＾ 2 is the square. Based on the probabilities calculated above, two types are grouped into infinity (無限) types, and credit limit data is created for each group, registered as a customer credit database, and managed. The relationship between the number of groupings and the credit limit here is determined by the fee system, service unit price, and number of customers of the service provider (claimer). That is, when the fee system is uniform 1,000,000 yen, the credit limit is two types, 0 yen (NG) and 1,000,000 yen, and when it is 10,000-1,000,000 yen, the credit limit is 0-1,000,000 yen. Normally, they are grouped into more than a dozen types.

The relationship between the probability of grouping and the limit is determined in a portfolio in which the delinquency rate, which is a risk, is generally constant from the usage unit price and the number of customers. For example, if the probability of delinquency is 80% or more, it is assumed to be 0,000 yen (NG), from 80 to 50% to 300,000 yen, and to less than 50% to 500,000 yen, and the respective limit amounts according to the calculated prediction result ( Usually classified into several types). The number of groups to be classified and the credit limit are based on the charge system of the service provider (claimer) and the usage rate for the limit (the ratio of the actual usage to the credit limit of 1 million yen), (The percentage of all customers in each group). The purpose is the following two points. (1) Minimize the opportunity loss If there are two types, non-guaranteed (NG) and in-guaranteed (OK), if the probability of delinquency is divided at a high rate, the delinquency rate is a risk Will rise, and conversely, if the division is made at a low rate, the risk will be reduced, but many customers who will not be in arrears will be out of warranty (NG), resulting in lost opportunities. (2) Reduce the delinquency rate. By setting the credit limit according to the delinquency rate, it is possible to reduce the delinquency rate in terms of the amount. Taking the case where the delinquency rate is divided into three stages of high, medium and low, as shown in Table 1, the credit limit for each stage is uniformly 100,000 yen and 20,000 yen, 80,000 depending on the delinquency rate. In the case of ¥ 200,000, the delinquent amount is reduced by ¥ 3.6 million and the delinquency rate is reduced by 12%. In the case of Table 1, the appearance rate for each delinquency rate is fixed, and the usage rate for the limit is set to 100%. However, the appearance rate and the usage rate for the limit differ depending on the service provider (claimer). As described above, after taking these factors into account, subdivision of each stage is performed, and respective limits are set.

[Table 1]

Further, after the transaction is started, credit is performed midway. Transaction history data such as usage amount and payment status is stored in the guarantor's computer. The transaction status for a certain period is categorized for each item by the same method as the above-mentioned “Credit”, and added as one of the “Credit” items. Group by the same method as “Credit” and set a new credit limit.

Next, a description will be given of a method of executing the guarantee. First, the guarantee center 2 receives the credit calculation customer data shown in FIG. 4 from the Internet integrated service center 1 (S101). The receiving method is, for example, one of a dedicated communication line and the Internet, which is determined in advance according to the data amount (the number of customers to be credited). Items are basically 19 items, credit data, sales,
Operating income and ordinary income. However, credit calculation can be customized, and the number of items may decrease or increase depending on the unit price of the customer, the product / service handled by the service provider (claimer), and the customer class. The guarantee center 2 that has received the credit calculation data performs the credit calculation processing in the central processing unit including the arithmetic unit. The processing procedure is
It is as follows.

The assurance object availability determining means 213 matches the previously credited data with the "customer name" and "telephone number" and checks for duplicate credits (S102). If there is an overlap because one customer is one credit per service provider (claimer), the credit result is NG at this stage (S10
2). In addition, in the case of a transaction with another service provider (claimer), if there is a certain amount of delinquency due to the customer's responsibility, the result is NG (S103). NG is not covered by the guarantee, and the payment is collected by the Internet general service center 1. However, since the unreasonable event here is “a reason not due to the responsibility of the customer”, even if the current month has not been collected, transactions after the next month will be covered as usual.

The credit limit assigning means 214 categorizes continuous data and discontinuous data items from the customer data for credit calculation sent from the claimant, assigns a coefficient to each category, and assigns a coefficient. Calculate the probability that each limit will be overdue and / or unpaid based on the calculated coefficient, and group the two types into infinite types based on the calculated probabilities. Extract the determined credit limit from customer credit data,
The extracted credit limit of the corresponding group is given to each customer (S104).

The assurance center 2, which is the guarantor, creates invoice creation data by the assurance executing means 22 and transmits the invoice creation data shown in FIG. 5 to the invoice issuing agent 4a (S).
105). The bill issuing agent 4a issues a bill to the customer. The bill includes the service provider and guarantor name, billing details, and scheduled withdrawal date data (S106).
The guarantee center 2, which is a guarantor, creates debit data by the debit confirmation means 23 and transmits the debit data shown in FIG. 6 to the account debit agent 4b. The direct debit agent 4b debits the customer's bank or other financial institution account (S10).
7). The debit agent 4b deposits the debit amount into the guarantor's account by offsetting the fee, and sends the debit result data to the guarantor center 2, which is the guarantor. Warranty Center 2
The withdrawal confirmation means 23 confirms whether or not a withdrawal has been executed from a bank account of a customer such as a bank. Debits may not be debited due to insufficient balance.

Next, the guarantee execution will be described. First,
The guarantee center 2 uses the guarantee object availability determination means 213 to
It is determined whether the customer is a person to be guaranteed (S108).

Next, the reason why the withdrawal cannot be performed is determined by the assurance object availability determination means 213 (S109). The reasons for withdrawal cannot be determined. Since the service provider (claimer) is divided into "claimer reasons",
As shown in Table 2, the guarantor executes the guarantee only for the "customer reason".

[Table 2] In the case of “depositor convenience”, guarantee execution is basically performed. However, if the cause is a trouble between the service provider and the customer such as a defect in the paid content, the service provider will return the deposit. In the case of "contractor convenience", the consignor, that is, the guarantor, has made a debit request and then canceled the debit for some reason. However, since the guarantor receives the withdrawal request data from the service provider and makes the withdrawal request as it is, it is considered that the cancellation request is mostly made by the service provider. There is no rule that can be done by the guarantor. Therefore, when the guarantor performs the guarantor independently, the guarantor executes the guaranty, and does not perform the guaranty when requested by the service provider. In this case, the service provider also bears a stop processing fee paid to the debit agent.

Next, the guarantee center 2 executes the guarantee execution means 22
Accordingly, whether or not the guarantee can be executed based on the guarantee limit is determined by the guarantee executing means 22 by comparing it with the customer credit data in the customer credit database (S110). The guarantor does not make a guarantee exceeding the credit limit of the customer credit data set in advance, that is, the guarantee limit. Therefore, execution of a partial guarantee of the invoiced amount occurs. As described above, since the withdrawal result is found in the following month, the service for the current month has already been provided at the stage where the withdrawal for the previous month was found to be impossible. Therefore, the guarantee execution extends for two months (partly for three months), and the second month is often excluded from the guarantee execution.

When the guarantee is not paid by the customer to the claimant by the guarantee executing means 22, the guarantee center 2
Guarantee execution (legal) is performed for guaranteeing within the range of the demanded amount of the claimant and within the range of the credit limit given by the guarantor (S111). That is, the debited amount is paid from the guarantor to the service provider. For the undeducted amount, the guarantee center 2 pays the service provider on behalf of the customer by the advanced payment means 24. Do. However, in practice, as shown in FIG.
Guarantee will be executed after issuing the reminder. When the guarantee is executed, the guarantee center 2 performs data processing for excluding the customer data from the object of the guarantee, and transmits a request from the guarantor to the service provider to request the forced termination of the customer who has executed the guarantee. . Forcible withdrawal leads to a decrease in the number of members (number of customers) for service providers.
Also, some customers happen to be debited due to lack of funds due to some reason and pay the next day. Therefore, it is necessary to provide a certain grace period after the withdrawal result is determined (not withdrawn). For this reason, customers who have not paid in the current month by the next month's withdrawal date will be subject to forced withdrawal.

For the customer who has performed the guarantee (legally),
The guarantee center 2 performs a reminder by the replacement payment means 24 (S112). However, since a guarantee contract has not been concluded between the customer and the guarantor, the amount that can be remindered from the guarantor is only the amount replaced by the guarantor, and no interest or other is added.

The reminder issuing flow is as follows. 1. The debit agent 4b sends the debit result to the guarantee center 2. 2. The guarantee center 2 transmits the data of the customer who could not be debited (guarantee execution target) to the bill issuing agent 4a, and entrusts the issuance of a reminder (S112). Since the dunning notice includes the guarantor name and the guarantor bank account as the payment destination, the guarantor center 2 also transmits the data to the invoicing agent 4a. 3. The guarantee center 2 determines whether or not the bill has been transferred from the customer to the guarantor account (S113). 4. When the payment is confirmed, the guarantee center 2 performs data processing for applying the payment and performs data processing for making the customer data within the guarantee target.

[0036]

According to the present invention, replacement payment and guarantee execution are performed for a comprehensive service company such as the Internet on behalf of a customer who uses the service, so that the usage fee of the service providing company can be reliably collected. Assurance service system and method.

[Brief description of the drawings]

FIG. 1 is a diagram showing an outline of a guarantee operation according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of a system configuration of an assurance service system using a network according to an embodiment of the present invention;

FIG. 3 is a diagram showing a flow of a guarantee business system using a network in one embodiment of the present invention.

FIG. 4 is a diagram showing a database structure of customer management and credit data.

FIG. 5 is a diagram showing a database structure of invoice and dunning notice issuance data.

FIG. 6 is a diagram showing a database structure of debit data.

FIG. 7 is a schematic diagram showing a conventional example.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Internet comprehensive service center 11 Service execution means 12 Invoicing / execution means 2 Guarantee center 21 Credit processing means 211 Guarantee history / credit limit data creation means 212 Credit limit creation means 213 Guarantee availability determination means 214 Credit limit assignment means 22 Guarantee execution means 23 Debit confirmation means 24 Replacement payment means 25 WWW server 3 Customer client 4 External settlement processing agency 4a Invoice issuing agent 4b Account withdrawal agent

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 420 G06F 17/60 420 430 430 19/00 300 19/00 300A 300N

Claims (20)

[Claims] 1. A service executing means for executing a service related to a claimant to a customer, a bill issuing / executing means for issuing a bill to the customer who has received the service and receiving a billed amount from the customer, A credit processing means for providing credit for guaranteeing a contract with a customer and a guarantee execution for executing a guarantee within the range of credit provided by the guarantor when the customer does not pay for the obligation to the claimant Assurance business system, including means. 2. A guarantee system in which a guarantor guarantees the amount charged to a customer made by the claimant, wherein the credit processing means for giving credit when the guarantor makes a guarantee includes a transaction in the past Credit limit data creating means for categorizing customer data, assigning coefficients to each category, and calculating the probability of delinquency and / or unpaid for each customer based on the assigned coefficients; A coefficient is assigned to a category, and based on the probability calculated by the guarantee history / credit limit data creation means for calculating the probability of delinquency and / or unpaid for each customer based on the assigned coefficient, A credit limit creation means for grouping from two types to infinity types and creating a credit limit for each group, and a credit limit determined for a group to which each customer belongs to each customer. Credit limit granting means to be granted, and guarantee executing means for guaranteeing within the range of the claimant's claim and within the range of the credit limit given by the guarantor when the customer does not pay the claimant. The guarantee business system according to claim 1, comprising: 3. The guarantee business system according to claim 1, further comprising a withdrawal confirming means for confirming whether or not a bill for a customer who received the service has been debited and paid to the claimant. 4. The guarantee service system according to claim 1, wherein the guarantee execution means includes a means for reimbursement of a debt to a claimant owned by the customer. 5. An assurance object availability determining means for comparing the customer data sent from the claimant with the assurance history data of the assurer to determine whether or not the customer is an assurance object.
The guarantee service system according to claim 1. 6. A credit limit data creating means for categorizing continuous data and discontinuous data in customer data having a transaction for a predetermined period in the past, giving a coefficient to each category, and assigning a coefficient to each category. The guarantee business system according to claim 1, wherein the probability of being overdue and / or unpaid for each customer is calculated based on the obtained coefficient. 7. The credit limit data creating means records and stores a guarantee history of a customer who has made a transaction for a predetermined period of time in the past, and includes continuous data and non-continuity in customer data having the guarantee history. A guarantee history / credit limit data creating means for categorizing data and assigning a coefficient to each category and calculating a probability of being overdue and / or unpaid for each customer based on the assigned coefficient; A guarantee service system according to any one of claims 1 to 6. 8. A credit limit giving means categorizes customer data for credit calculation sent from the claimant from data items having continuity and discontinuity, and gives a coefficient to each category. Calculate the probability that each limit will be overdue and / or unpaid based on the assigned coefficient, and group each customer from two types to infinity based on the calculated probabilities. 8. The guarantee service system according to claim 1, wherein a credit limit determined in the group is given to each customer. 9. The assurance service system according to claim 1, wherein the continuous data includes variable and continuous data such as the years of establishment and the number of employees. 10. The discontinuity data includes a business type and the like.
The guarantee service system according to claim 1. 11. A step of determining whether there is a duplicate credit and / or a delay in payment based on the customer data; a step of executing a customer credit for calculating a credit limit based on the customer data; Issuing and debiting, determining if the customer is a warrantee based on customer data if no debit was made, and the credit result that was performed in advance and data of the customer who was not debited And a step of assuring the guarantee limit for the customer who was the result of the matching in the step,
Method of guarantee business. 12. A method in which a guarantor guarantees an amount charged to a customer made by a claimant, the crediting step in which the guarantor makes a credit in making a guarantee, and a transaction in a predetermined period in the past. Continuity data and discontinuity data in the customer data is categorized, coefficients are assigned to the respective categories, and each customer is delinquent and / or unpaid based on the assigned coefficients. A step of creating a guarantee history / credit limit data for calculating a probability, and categorizing and assigning a coefficient to each category, and calculating a probability of being overdue and / or unpaid for each customer based on the assigned coefficient. A credit limit creation step of grouping from two types into infinity types based on the probabilities calculated by the history / credit limit data creation means, and creating a credit limit for each group. The customer data sent from the claimant with the assurance history data of the guarantor to determine whether the customer is eligible for the guarantee. From customer data for
Categorize from continuous data and discontinuous data items, assign coefficients to each category, and calculate the probability that each limit will be overdue and / or unpaid based on the assigned coefficient. A credit limit granting step for granting to each customer a credit limit determined in the group to which each customer belongs, grouped from two types to infinity types based on the determined probabilities, and payment from the customer to the claimant A guarantee execution step of making a guarantee within the range of the claimant's billing amount and within the range of the credit limit given by the guarantor when the request is not made. 13. The guarantee business method according to claim 11, further comprising a withdrawal confirmation step of confirming whether or not the bill for the customer who received the service has been debited and paid to the claimant. 14. The method according to claim 1, wherein the step of executing the guarantee includes a step of repaying a debt held by the customer to the claimant.
14. The method of guarantee business according to any one of 1 to 13. 15. The assurance object availability determination step of matching customer data sent from the claimant with assurance history data of the guarantor to determine whether the customer is an assurance object. Method of guarantee business described in any of the above. 16. The credit limit data creating step categorizes continuous data and discontinuous data in customer data having a transaction in a past predetermined period,
16. The guarantee business method according to claim 11, wherein a coefficient is assigned to each category, and a probability of delinquency and / or unpaid for each customer is calculated based on the assigned coefficient. 17. A credit limit data creating step records and stores a guarantee history of a customer who has made a transaction for a predetermined period in the past, as well as continuous data and non-continuity in customer data having the guarantee history. Data categorizing the data and assigning a coefficient to each category, and calculating a probability of delinquency and / or unpaid for each customer based on the assigned coefficient. 17. The method of guarantee business according to claim 11. 18. A credit limit granting step includes: categorizing customer data for credit calculation sent from the claimant from data items having continuity and discontinuity, giving a coefficient to each category, Calculate the probability that each limit will be overdue and / or unpaid based on the assigned coefficient, and group each customer from two types to infinity based on the calculated probabilities. 18. The guarantee business method according to claim 11, wherein a credit limit determined in the group is given to each customer. 19. The data having continuity includes variable and continuous data such as the number of years of establishment and the number of employees.
19. The method of guarantee business according to any one of 1 to 18. 20. The discontinuity data includes a business type and the like.
20. The method of guarantee business according to claim 11.