JP2004206568A - Customer credit inspection application system for seller, its method, and its program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To simplify a business processing in application for credit inspection by a seller working as a procedure agent to a contractor company for contract requiring credit inspection of a customer. <P>SOLUTION: A computer system of the seller 2 includes a customer information database 12 holding customer information and a contract application form database 13 at least formed of an actual contract application form 14 of each contractor company 3 and holding it. The customer information database 12 is provided with a display apparatus 18, in which a personal identification tag received by the seller 2 and used for lease prequalification inspection agreement form 22 is held freely transferably and the customer information held in the customer information database 12 of the customer 1 is transferred freely and displayed in a predetermined position of a contact application form read from the contract application form database 13, and an output device 19 transferring the personal identification tag of the customer 1 to the contract application form after transfer and outputting it as a lease contact application form 44 for applying for credit inspection to the contractor company 3. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention enables a simple and prompt execution of a prior credit check for a customer who wishes to conclude various contracts such as a credit contract or a lease contract, thereby efficiently performing the business process of a seller acting on behalf of the customer. The present invention relates to a customer credit application system for a seller, a method and a program for the same.
[0002]
[Prior art]
In modern commerce, in addition to cash settlement, various forms of transactions based on the credit-based contracts of individuals and corporations, such as lease contracts, credit contracts and loan contracts, have been adopted. Of these, for example, a transaction form based on a lease contract allows the purchaser to purchase a high-priced product in a planned manner and efficiently purchase a product with depreciation. The transaction form is convenient for the parties.
[0003]
On the other hand, even for sellers (including individuals and corporations), as long as the customer's credit is secured, stronger ties with the customer side can be strengthened by a sustainable transaction form than cash settlement that requires only one-time negotiations It is desirable for business to maintain the business relationship in the future.
[0004]
In this type of transaction based on a contract, a seller enters into a contract between a customer and a contract partner such as a leasing company or a credit company, and after the contract is concluded, the payment settlement guarantee is obtained. Then, the contract partner company delivers the contents of the contract to the contracted customer via the seller.
[0005]
To explain this concretely using a lease contract as an example, a seller who has received a notification from a customer that he / she wants to make a lease contract for a certain property, asks the customer to conclude a lease contract between the customer and the leasing company. Identify the leasing company to be introduced.
[0006]
Next, the seller fills out the necessary information and stamps the seal of the representative of the corporation or the individual using the lease application form (including the consent form regarding personal information) for the credit check of the selected specific leasing company. After receiving it, bring it to a specific leasing company, send it by fax or mail.
[0007]
The specified leasing company that receives the lease application forms a request to an external credit bureau to investigate the degree of credit of the customer who is the applicant, and only if the credit sufficient to conclude the contract is confirmed. Inform the seller that he will accept the lease. Upon receiving the notice of consent, the seller requires the customer to fill out and seal the lease agreement of the specified lease company, and the lease contract is officially concluded between the customer and the specified lease company, Necessary post-processing will be performed.
[0008]
On the other hand, if it is determined that there is some obstacle to hesitating to enter into a contract due to the degree of credit of the customer, the specified leasing company will notify the seller that the lease cannot be made and the seller will notify the customer A report to that effect is made, another new leasing company is introduced, and a credit check is conducted by the leasing company following the same procedure again. Such a series of processing is performed until the leasing company decides.
[0009]
Also, recently, a system has been proposed that facilitates a credit investigation request to a leasing company by a seller (for example, see Patent Document 1).
[0010]
[Patent Document 1] JP-A-2002-288567 (paragraph numbers “0010” to “0020”, FIG. 1)
[0011]
[Problems to be solved by the invention]
However, in the case of the conventional method of conducting a credit check of a customer using a credit contract application form for credit screening, which has a different form for each different leasing company, if the lending company decides on the credit card, the credit card is provided to each customer until the leasing company is determined. The customer had to fill out and seal the application form for the lease contract for examination, which was inconvenient for the customer as well as for the seller acting on behalf of the customer. In particular, when a joint guarantor is required, the complexity is doubled.
[0012]
Further, according to the method disclosed in Patent Document 1, documents necessary for a leasing company are created from personal information of a customer. However, for a seller affiliated with a specific leasing company, it is more efficient. Nevertheless, this does not make it possible for different leasing companies to post on different contract documents, especially for sellers without affiliated leasing companies and with many leasing companies. There was a problem that could not be done. Further, according to the disclosure method of Patent Document 1, when it is determined that the first credit check is inappropriate, it is necessary to fill out and seal each subsequent lease contract application every time, so that the document for the seller is required. There was a problem that the complication in creation was not solved.
[0013]
In view of the above-mentioned problems encountered in the prior art, the present invention requires only filling out a contract application form for credit examination prepared as a common specification and displaying a personal identification mark such as a seal. A customer for a seller who can not only eliminate the hassle of the customer by creating a contract application form corresponding to the format of the contracting company, but also realize the efficiency of the seller's office work The purpose is to provide a credit screening application system, the same method, and a program therefor.
[0014]
[Means for Solving the Problems]
The present invention has been made to achieve the above-mentioned object, and a first invention (system) of the invention is provided for each seller who requests a counterpart company to perform a credit check based on a contract application from a customer. A computer system, wherein the computer system is created in advance based on a customer information database in which necessary customer information is stored and held in a readable manner, and an actual contract application form in accordance with the format of each contract partner company. At least a contract application form database in which a template is stored and retained in a readable manner, wherein the customer information database contains a completed preliminary identification agreement in which the seller receives a completed personal identification sign received from each customer. The transcript of the personal identification mark used in the above is freely held and read out from the contract application form database. A display device for freely displaying the transfer of necessary customer information held in the customer information database of the customer who wishes to apply for a contract to a predetermined position of the contract application form of the specified contract partner company, and the display device And an output device that transcribes the customer's identity indicator to the contract application form displayed in the post-transfer, and outputs it as a formal contract application form for applying for credit review to a contract partner company. There are features.
[0015]
Further, the second invention (method) is applied to a computer system provided for each seller who requests a counterpart company for credit examination based on a contract application from a customer, and can read necessary customer information in a readable manner. A step of storing / holding in a database, and a step of storing / holding in a contract application form database a template prepared in advance based on an actual contract application form conforming to the format of each contract partner in a readable manner, In the customer information database, the personal identification mark used by the seller in the preliminary examination consent form, which has been filled in and received with the personal identification sign, received from each customer, is transcribed and held, and a contract application form database At the specified position in the contract application form of a specific contract partner read out from the Transcribing the necessary customer information held in the customer information database of the customer who wants to apply, and transferring the personal identification mark of the customer to the contract application form after the transcription displayed on the display, And outputting a formal contract application form for applying for credit examination to the contract partner company and submitting the form to the relevant contract partner company as a formal contract application form.
[0016]
Further, a third invention (program) is a program which is executed via a computer system provided in each seller who requests a counterparty company for credit examination based on a contract application from a customer, and which is executed by a customer. A step of storing and holding information in a customer information database in a readable manner; and a step of storing and storing in a contract application form database a template prepared in advance based on an actual contract application form in accordance with the format of each contract partner. Holding the customer information database in a freely transferable manner in the customer information database, the identity identification sign used by the seller in the preliminary examination consent form, which has been completed and received and is displayed with the identity identification sign. And a specific contract partner read from the contract application form database and displayed on the display unit. Transcribing necessary customer information held in the customer information database of a customer who wishes to apply for a contract at a predetermined position of the contract application form of the company; and Transferring the personal identification mark of the customer and outputting a formal contract application form for applying for credit examination to the contract partner company.
[0017]
Note that the present invention may also utilize a credit determination result database in which credit determination result information from a contract partner is stored and held in a readable manner.
[0018]
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 is a block diagram showing an example of a schematic configuration of a customer credit screening application system according to the present invention, taking a lease contract as an example. FIG. 2 is a customer credit screening system applied to the system shown in FIG. It is a flowchart figure which shows an example of the processing procedure of an application method.
[0019]
According to FIG. 1, the customer credit screening application system 11 includes a customer information database 12 in which customer information of the customer 1 is stored and held in a readable manner, and a client information database 12 in accordance with a format according to a leasing company as a contract partner company 3. A contract application form database 13 in which a template created in advance based on the contract application form 14 is stored and held in a readable manner, and a credit determination result database 15 in which lease decision result information is stored and held in a readable manner. They are provided at least, and these are installed in each seller 2 so as to operate under computer control.
[0020]
In the customer information database 12, a storage area for storing text data, video data, and the like is prepared for each data item, and the data item can be appropriately set by the seller 2. In this case, the data item in which the text data is stored contains necessary information such as the name (name) and address of the customer 1 who is the applicant, and the data item in which the video data is stored is, for example, as shown in FIG. The imprint 30 of the personal seal of the customer 1 displayed as the personal identification sign 29 in the personal identification sign display field 27 of the lease preliminary examination agreement 22 prepared as one of the preliminary examination agreements 21 is stored and held. ing. In this case, as the personal identification mark 29, a personal identification symbol having a sign or other appropriate configuration can be used. In this embodiment, the additional information of the customer 1 is set so that the necessary information of the joint guarantor and the contents of the lease can also be held. In this case as well, each necessary information is set for each appropriately set data item. It is stored and retained.
[0021]
FIG. 3 is an explanatory diagram showing a specific example of a format of the lease preliminary examination consent form 22 on the premise of a lease contract. In this case, the personal identification mark 29 is the seal (permanent seal) of the customer 1 who is the applicant. This is shown as a seal 30. This lease preliminary examination consent form 22 is submitted to the leasing company A which is the contract partner company 3 for the credit check of the customer 1, and the data item "seal" in the customer information database 12 is read by an image reading means such as a scanner. Is transferred and stored in the storage area of "."
[0022]
In this case, the lease preliminary examination consent form 22 is filled out with a consent item display column 23 in which the contents of use of personal information are specifically described as shown in the illustrated example, and necessary information such as the address of the customer 1 who is the applicant. A customer information entry field 24 also serving as a completed lease application, a name and seal field 25 of the customer 1 who is the applicant, a name and seal field 26 of the joint guarantor, and an identification sign display provided separately from these. It is created by providing columns 27 and 28.
[0023]
Further, the preliminary examination agreement 22 is prepared exclusively for a consent form for collection, use, provision and registration of personal credit information. Apart from this, the same content as the content entered by the customer 1 in the customer information entry column 24 is provided. An application (not shown) to be filled in may be prepared, and these may be set as a set and submitted to the seller 2.
[0024]
In addition, the personal identification mark 29 including the seal 30 of the seal of the customer 1 displayed in the personal identification mark display field 27 of the lease preliminary examination consent form 22 is transferred to the customer information database 12 at the seller 2 side. And re-use it, for example, in the agreement item display column 23 of the lease preliminary examination agreement 22, for example, "Apply a credit application by stamping the lease preliminary examination application form of each leasing company with the lease preliminary examination system. And the like, and are performed after obtaining prior consent from the customer 1.
[0025]
The contract application form database 13 holds actual contract application forms 14 each having a dedicated form for each of a plurality of leasing companies A, B, C,. That is, each actual contract application form 14 is read as image data by an image reading means such as a scanner (not shown), then converted into graphic data such as template drawing data and held in the contract application form database 13. . The contract application form data stored in the contract application form database 13 can be added, changed, or deleted as needed.
[0026]
The necessary data read from each of the databases 12, 13, and 15 passes through a data processing unit 17 having an edit control unit 17a and an output control unit 17b, and a display screen 18a of a display 18 such as an LCD, a laser printer, or the like. And output via an output device 19 including a printer 20. The customer credit screening application system 11 of each seller 2 is connected to the terminal 6 of each of the leasing companies A, B, C,... Which is the contract partner 3 via an appropriate communication network 5 such as the Internet. It is connected.
[0027]
The processing procedure of the customer credit screening application method according to the present invention, which is applied to the customer credit screening application system 11 having such a configuration, will be described with reference to FIG. 2 using a lease contract as an example. The applicant 1 and the joint guarantor are the customer information entry field 24 and the customer 1 name and seal field 25 of the lease preliminary examination agreement 22 passed from the seller 2, and the name of the joint guarantor. The necessary information is entered, registered, and stamped in the seal box 26, and the personal identification sign display boxes 27 and 28 are also stamped using the same seal to leave the seal 30. (Hereinafter referred to as “Completed Consent Form”).
[0028]
The seller 2 who has received the prepared consent form 31 shown in FIG. 3 needs to include the personal identification mark 29 including the contents of the customer information entry field 24 and the imprint 30 and the signature of the personal identification sign display field 27. The information is once transcribed and registered on a registration screen 26 shown in FIG. 4, for example, which is prepared in advance in a computer as a lease contract application form, and then stored and held in the customer information database 12 as customer information. Therefore, it is no longer necessary to input the customer information of the same customer 1 thereafter.
[0029]
Thereafter, first, when the customer 1 as the applicant and the specific lease company A as the contract partner 3 are designated, the contract for exclusive use of the lease company A is obtained from the contract application form database 13 via the data processing means 17. The application form data is read and displayed on the display screen 18a as an application form creation screen 35 as shown in FIG.
[0030]
On the application form creation screen 35, a seal item field 37 and an applicant outline item field 38, which are item display fields 36, are displayed on the left column, and a lease contract application form display field 39 is displayed on the remaining portions. .
[0031]
Of these, the seal item field 37 and the applicant summary item field 38 are displayed as individual data item buttons E corresponding to the necessary information items of the customer 1, and each data item button E is a mouse (not shown). As shown in FIG. 6, a drag-and-drop operation for moving to a relevant portion of the lease contract application form display column 39 can be performed by an input operation means such as the one shown in FIG.
[0032]
Then, after completing the operation of moving each data item button E to the corresponding position in the lease contract application form display column 39 displayed on the display screen 18a, by clicking the create button F, the customer information database 12 Is converted into image data via the data processing means 17 and is transcribed into the entry column 40 where the individual data item buttons E are located as shown in FIG. The application form 41 is displayed on the display screen 18a.
[0033]
After making necessary corrections and corrections, the virtual contract application form 41 in the application form creation screen 35 is changed to the imprint 30 or the signature, which is the personal identification mark 29 of the customer 1 already held in the personal identification mark display field 42. Then, a formal contract application form 43 is printed via the printer 20 as the output device 19 as shown in FIG. In this case, the output device 19 may be a communication terminal that can send a formal contract application form 43 online to the terminal 6 of the leasing company A that is the contract partner company 3 or a fax terminal other than the illustrated example. Good.
[0034]
If the data item E in the seal item field 37 is stored in advance as color image data such as vermilion, a color printer is used as the printer 20 so that only the seal 30 in the personal identification sign display column 42 is vermilion or the like. You can also print with the color of.
[0035]
Thus, the seller 2 sends the lease preliminary examination consent form 22 and the lease contract application form 44, for example, by faxing to the specified lease company A which is the designated contract partner company 3, and the seller 2 Wait for the result of the credit check.
[0036]
The leasing company A, which is the contract partner company 3, investigates the degree of credit of the customer 1, which is the applicant, by requesting an external credit information agency or using its own database, and then determines the result of the credit examination. The result is sent to the customer credit screening application system 11 of the seller 2 via the terminal 6, and the result of the credit screening of the customer 1 is stored and held in the credit judgment result database 15 as the judgment information.
[0037]
Thus, if the leasing company A, which is the contract partner company 3, determines that the customer 1 has credit, the seller 1 and the leasing company A formally conclude a lease contract, for example, on behalf of the seller 2. Will be done.
[0038]
If the credit of the customer 1 is denied, the seller 2 reports the determination result, introduces another leasing company B or leasing company C as a new contract partner company 3, and performs the same procedure. By step, a credit application for a customer is applied.
[0039]
In addition, the computer system of each seller 2 preliminarily sends a customer credit screening application consisting of the above series of processing performed by the seller 2 on behalf of the contract partner company 3 based on the contract application from the customer 1. The program can be executed by a prepared program. For example, the program can be stored and used on a hard disk of a personal computer or the like, or can be stored and used on a suitable magnetic recording medium such as a CD-ROM. it can.
[0040]
For this reason, according to the present invention, only the customer 1 prepares the credit inspection agreement 21 prepared as a common format, and the seller 2 operates the individual leasing companies A, B, Since the formal contract application form 43 corresponding to the format of C,... Can be created by a simple operation, not only the trouble of the customer 1 who is the applicant can be solved, but also the business operation of the seller 2 can be performed. At the same time, processing efficiency can be improved.
[0041]
The results of the credit judgment of the customer 1 by each of the leasing companies A, B, C,... Are stored in the credit judgment result database 15, for example, customer judgment information 45 for each individual customer 1 shown in FIG. The determination results of all the indicated customers 1 can be held so that they can be output as the lease determination result information 46, for example, for each month.
[0042]
As a result, the result of the credit judgment for each customer 1 and the lease use record thereof can be viewed in a list as the customer judgment information 45, and can be used for the sales activities of the individual sellers 2 for the future, Selection of the contract partner company 3 for the customer 1 can be effectively performed. In addition, by viewing the lease determination result information 46, the monthly lease result can be grasped at a glance, and the appropriate selection of the contract partner 3 and the contract contents and the amount of the month can be understood at a glance to determine the contract time. Can easily make a payment schedule.
[0043]
Further, the credit judgment result database 15 can be held so that it can be output as the lease information 47 shown in FIG. 11, so that a sales destination list which forms the basis of business can be created, It is possible to make plans for sales activities up to, and to contribute effectively to increasing sales and formulating future plans. In addition, listing up the lease information 47 shown in FIG. 11 can be used as an aid in planning new product launches and campaigns.
[0044]
The above has been a description of the embodiment of the present invention with reference to the illustrated examples, and the specific contents are not limited thereto, and various modifications may be made to the above embodiment without departing from the present invention. Can be applied. For example, in the present embodiment, the description of the contract is made by taking a lease contract as an example. However, the present invention can be applied to a case where a credit contract or a loan contract is used as the contract contents as necessary. In this case, the part expressed as “lease” in the above description is replaced with “credit” or “loan”.
[0045]
In addition, the customer credit examination application system according to the present invention may be configured without including the credit judgment result database as necessary.
[0046]
In addition, the seal item field 37 in the application form creation screen 35 shown in FIG. 5 shows an example in which the personal identification mark 29 is the seal 30. If the personal identification mark 29 is a sign, it is displayed as a signature item field. Will be done.
[0047]
Further, the program according to the present invention is provided to the sellers 2 nationwide for a fee or free of charge, and each seller 2 can implement the present invention through a computer system owned by the seller. You can do it.
[0048]
The formal contract application form 43 is printed and created by the printer 20 as the output device 19, but is not limited to this. For example, the output device 19 is connected to the contract partner company 3 via a communication line such as a telephone line and has a facsimile function, so that editing on the display screen 18a can be performed without printing the formal contract application form 43. After completion, it can be directly sent to the terminal 6 of the corresponding contract partner company 3.
[0049]
【The invention's effect】
As described above, according to the present invention, customer information including a customer identification mark is stored in a customer information database, and individual contract application forms having different formats according to contract partner companies are stored in a contract application form database in advance. In addition, since a formal contract application can be created by the seller through the data processing means, not only can the customer who is the applicant be troubled, but also the efficiency of the seller's paperwork can be improved. Can also be realized at the same time.
[0050]
Also, if the judgment result notified from the contract partner is stored as information in the credit judgment result database, customer information obtained in relation to the contract partner can be managed and analyzed. It is possible to appropriately select a contracting partner company in accordance with the situation and manage individual customers in the future, etc., and to effectively contribute to the improvement of business efficiency and sales performance of the seller.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a schematic configuration example of a customer credit application system according to the present invention, taking a lease contract as an example.
FIG. 2 is a flowchart illustrating an example of a processing procedure of a customer credit examination application method according to the present invention performed by applying the system to the system illustrated in FIG. 1;
FIG. 3 is an explanatory diagram showing an example of a form of a “preliminary examination agreement” signed and stamped by a customer or the like, using a “lease preliminary examination agreement” as an example.
FIG. 4 shows a screen display example having a common format when creating a lease contract application form.
FIG. 5 shows a screen display example of a template used when creating a lease contract application form.
FIG. 6 shows a screen display example during a drag-and-drop operation on a template when creating a lease contract application form.
FIG. 7 shows a screen display example of a lease contract application form after creation.
FIG. 8 is an explanatory diagram showing an example of a formal lease contract application form after creation.
FIG. 9 is an explanatory diagram illustrating an example of customer determination information output using data held in a credit determination result database.
FIG. 10 is an explanatory diagram illustrating an example of lease determination result information output using data held in a credit determination result database.
FIG. 11 is an explanatory diagram showing an example of lease information output using data held in a credit determination result database.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 Customer 2 Seller 3 Contractor company 5 Communication network 6 Terminal 11 Customer credit examination application system 12 Customer information database 13 Contract application form database 14 Actual contract application form 15 Credit judgment result database 17 Data processing means 17a Editing control unit 17b Output Control unit 18 Display 18a Display screen 19 Output device 20 Printer 21 Preliminary examination agreement 22 Lease preliminary examination agreement 23 Agreement information display field 24 Customer information entry field 25, 26 Name / Seal field 27, 28 Personal identification sign display field 29 Identity identification sign 30 Imprint 31 Completed consent form 32 Registration screen 35 Application form creation screen 36 Item display field 37 Sealed item field 38 Applicant summary item field 39 Lease contract display field 40 Entry field 41 Virtual contract application form 42 Personal identification sign Display field 43 Contract application form 44 Lease contract application form 45 Customer judgment information 4 Lease determination result information 47 lease information E data item button F Create button

Claims (6)

A computer system provided for each seller who requests a counterparty to perform a credit check based on a contract application from a customer,
The computer system can read out a customer information database in which necessary customer information is stored and held in a readable manner, and a template created in advance based on an actual contract application form in accordance with the format of each contract partner company. At least a contract application form database that is stored and retained,
In the customer information database, the seller is allowed to freely hold a copy of the personal identification mark used in the pre-examination consent form in which the filled-in personal identification mark received from each customer is displayed,
The posting of the necessary customer information held in the customer information database of the customer who wishes to apply for a contract at a predetermined position in the contract application form of the specific contract partner read out from the contract application form database is freely displayed. Display, and
An output device that transcribes the personal identification mark of the customer into the post-transfer contract application form displayed on the display and outputs it as a formal contract application form for applying for credit review to a contract partner company. A credit screening application system for customers for sellers. The credit examination application system for a seller according to claim 1, wherein the computer system further comprises a credit judgment result database in which credit judgment result information from a contract partner company is stored and held in a readable manner. Applied to computer systems provided by individual sellers who request the counterparty to perform credit reviews based on contract applications from customers,
Storing and holding necessary customer information in a customer information database in a readable manner;
Storing and holding in a contract application form database a template prepared in advance based on an actual contract application form in accordance with the format of each contract partner, in a readable manner,
In the customer information database, the seller is allowed to transcribeably retain the personal identification mark used in the pre-examination consent form in which the seller has received a filled-in personal identification sign and received from each customer.
The necessary customer information held in the customer information database of the customer who wants to apply for a contract is transferred to a predetermined position of the contract application form of the specific contract partner read out from the contract application form database and displayed on the display unit. Steps to
Transcribes the customer's identity indicator to the contract application form displayed on the display unit after the transfer, outputs a formal contract application form for applying for credit examination to the contract partner, and outputs the corresponding contract partner And submitting the application as a formal contract application to the customer. 4. The customer credit application application method for a seller according to claim 3, further comprising the step of storing and holding the credit determination result database from the partner company in a readable manner in a credit determination result database. A program executed via a computer system provided for each seller who requests a counterparty to perform a credit check based on a contract application from a customer,
Storing and holding necessary customer information in a customer information database in a readable manner;
Storing and holding in a contract application form database a template prepared in advance based on an actual contract application form in accordance with the format of each contract partner, in a readable manner,
In the customer information database, the seller is allowed to transcribeably retain the personal identification mark used in the pre-examination consent form in which the seller has received a filled-in personal identification sign and received from each customer.
The necessary customer information held in the customer information database of the customer who wants to apply for a contract is transferred to a predetermined position of the contract application form of the specific contract partner read out from the contract application form database and displayed on the display unit. Steps to
Transferring the personal identification mark of the customer to the post-transcription contract application form displayed on the display unit, and outputting a formal contract application form for applying for credit examination to a contract partner company. Program characterized by the following. 6. The program according to claim 5, wherein the program executed via the computer system further includes a step of readable storage and holding of credit determination result information from a contract partner company in a credit determination result database.

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