JP2008129796A - Computer system for estimating credit rating of telephone contractor based on telephone number - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To estimate the credit rating of a telephone contractor based on telephone numbers by noticing correlation between use state history in the telephone number of an enterprise and accident occurrence such as bankruptcy. <P>SOLUTION: A use history database (2) stores a plurality of telephone numbers and the use history data of respective telephone numbers by associating them with each other. The use history data (3) time-series arrays the use states of each telephone number correspondingly to an inspection period. A bad result table (4) describes a plurality of transition patterns of the use history data for a prescribed period correspondingly to bad indexes. A control means (5) performs first and second processings when the input of a telephone number A and a reference date B is accepted by an input means. The first processing (6) extracts the use history data C for a prescribed period before or after or before and after the reference date B out of the use history data of a telephone number A in the use history database. The second processing (7) extracts a bad index corresponding to the use history data C from the bad result table and outputs the bad index correspondingly to the telephone number A from an output means. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a computer information processing technology that predicts the possibility of an accident such as bankruptcy in a very simple manner when investigating the creditworthiness of an arbitrary company, and in particular, the usage history of the company's telephone number and the occurrence of an accident such as bankruptcy. It is related with the technology which paid its attention to the correlation.

  In the invention according to Japanese Patent No. 3227398 “Telephone Number Investigation Method and Device and Telephone Number List Cleaning Method”, the telephone number is automatically used to make a call to the ISDN by a computer without calling the subscriber terminal ( We are investigating used phone numbers, unused phone numbers, changed phone numbers, etc.). In addition to creating a database of the survey results, the survey is regularly repeated and the latest usage status is always reflected in the database. Further, using the database, for example, telephone numbers that are not currently used are extracted from a telephone number list of a customer list.

  The invention according to Japanese Patent No. 3686967 “Unauthorized User Detection System and Software Program Therefor” utilizes the fact that changes in the usage status of telephone numbers are accumulated in the database. Changes in the usage status of each telephone number, for example, in use at survey point 1 → in use at survey point 2 → primary removal at survey point 3 → not in use at survey point 4 → → in use at survey point 10 →・ The usage history is stored in the database.

  When the telephone number to be investigated is input from the survey client, the use history of the telephone number is examined in the database, and whether the telephone number is a “new phone” or “arrears reserve army phone” The system configuration is to determine whether the telephone number is “used telephone number” and report the result of the determination to the survey client.

  A corporate information research institution investigates the occurrence of accidents such as bankruptcies, dissolutions, business closures, mergers, etc., and creates a database. The inventors of this application extracted the telephone number which the accident company was using based on the company accident database, and extracted the accident occurrence date (bankruptcy date) of the said company. Then, the telephone number usage history database described above examined how the telephone number usage history of the company had changed immediately before the accident occurrence date. This survey was conducted for a huge number of corporate accidents over the past ten years, and compared with changes in the telephone number usage history of normal companies, a feature analysis of changes in telephone number usage immediately before the accident was conducted. According to the analysis, we were able to find several types of phone number usage histories that frequently occur in the company that caused the accident. Based on the analysis results, the following defect record table was created.

The computer system according to the present invention is specified by the following items (1) to (7).
(1) A computer system that includes a use history database, a defect record table, a control means, an input means, and an output means, and estimates the creditworthiness of a telephone contractor based on a telephone number. (2) Use history database Is to store a plurality of telephone numbers and the usage history data of the telephone numbers in association with each other. (3) The usage history data is to arrange the usage status of the telephone numbers in time series in association with the survey date. (4) In the defect record table, a transition pattern of usage history data for a predetermined period and a plurality of defect indexes are described in association with each other. (5) The control unit inputs the telephone number A and the reference date B from the input unit. (6) The first process is performed before, after, or before the reference date B in the usage history data of the telephone number A in the usage history database. (7) In the second process, a failure index corresponding to the usage history data C is extracted from the failure record table, and the failure index is output in association with the telephone number A. Outputting from means === Effect of invention ===
According to this system, the creditworthiness of a company or person can be estimated very simply based on the usage history of the company or person's telephone number A at a certain period of time (corresponding to the reference date B above). can do.

  1 shows an overview of a computer system according to an embodiment of the present invention. This computer system is a very general server computer, and can communicate with a client computer (a normal personal computer with a browser) via a communication network such as the Internet.

  The hard disk device of this system stores a usage history database, a history type table, and a defect record table.

  The usage history database stores a plurality of telephone numbers and usage history data of the telephone numbers in association with each other. The telephone numbers in this database cover all numbers that can exist as telephone numbers regardless of whether they are in use or not. The usage history data in this database is data in which the usage statuses of telephone numbers are arranged in time series in association with the survey date. In addition, the applicant possesses usage history data over the recent decades. The survey is repeated for every telephone number in a cycle of about one month, and the codes indicating the usage status at the time of each survey and the survey date and time are associated in time series.

  The history type table describes a plurality of transition patterns of usage history data for a predetermined period in association with pattern numbers. Here, the transition pattern of the usage history data for a predetermined period is, as the first embodiment, sequence data of three consecutive survey results in a period of 3 months or more and less than 6 months. The second example is data that typifies the change in the survey results in a period of 3 months or more and less than 6 months. Each transition pattern has an identification number (pattern number). Here, it is not excluded to associate a plurality of different transition patterns with the same pattern number.

  In the defect record table, a plurality of pattern numbers and defect indexes are associated and described. The defect index is a numerical value obtained from a case analysis of a huge number of cases regarding whether or not the telephone number used by the accident company showed a change pattern of the usage situation immediately before the accident, based on the company accident database as described above. It is. As a specific example, a numerical value of 0 to 100 is used as a defect index, where 100 is the maximum possibility of an accident and 0 is the minimum.

  When this system communicates with the survey client computer and receives input of the telephone number A and the reference date B from the survey client computer, the system executes the following processing.

  First, usage history data C for a predetermined period before, after, or before and after the reference date B is extracted from the usage history data of the telephone number A in the usage history database. The usage history data extracted at this time is an array of three consecutive survey results in the period of, for example, the immediately preceding 3 months or more and less than 6 months of the reference date B (or more than 3 months and less than 6 months), as described above. Data categorizing changes in survey results during the period of Next, the pattern number D corresponding to the usage history data C is extracted from the history type table. Then, a defect index corresponding to the pattern number D is extracted from the defect record table, and the defect index is associated with the telephone number A and transmitted to the survey client computer.

  Of course, it receives a telephone number and reference date from the survey client computer and responds one by one, or receives a list of multiple phone numbers and reference dates from the client computer, processes them all together, processes Various methods can be employed, such as a method of creating a list with a defect index of results and sending it back to the client computer.

  As is clear from the principle of the processing logic of the present invention, the intermediate logic called pattern number is abolished and the corresponding defect index is extracted directly based on the usage history data extracted from the database. It is also easy.

  In addition, the usage history database is sequentially updated based on the results of telephone number usage status surveys that are sequentially performed. It is desirable to optimize the contents of the defect record table based on new accident cases if the original corporate accident database is updated.

1 is a schematic configuration diagram of a computer system according to an embodiment of the present invention.

Claims (2)

A computer system comprising a use history database, a defect record table, a control means, an input means, and an output means, and estimating the credit rating of a telephone contractor based on a telephone number,
The usage history database stores a plurality of telephone numbers and usage history data of the telephone numbers in association with each other,
Usage history data is arranged in chronological order by associating the usage status of telephone numbers with the survey date.
In the defect record table, a plurality of transition patterns of usage history data for a predetermined period and a defect index are described in association with each other,
The control means performs the first and second processes when receiving the input of the telephone number A and the reference date B from the input means,
The first process extracts the usage history data C for a predetermined period before, after, or before and after the reference date B from the usage history data of the telephone number A in the usage history database,
The second process is a computer system in which a defect index corresponding to the usage history data C is extracted from the defect record table, and the defect index is associated with the telephone number A and output from the output means. A computer system that includes a usage history database, a history type table, a defect record table, a control means, an input means, and an output means, and estimates the creditworthiness of a telephone contractor based on a telephone number,
The usage history database stores a plurality of telephone numbers and usage history data of the telephone numbers in association with each other,
Usage history data is arranged in chronological order by associating the usage status of telephone numbers with the survey date.
The history type table describes a plurality of transition patterns of usage history data for a predetermined period and pattern numbers in association with each other,
In the defect result table, a plurality of pattern numbers and defect indexes are associated and described,
The control means performs the first to third processes when receiving the input of the telephone number A and the reference date B from the input means,
The first process extracts the usage history data C for a predetermined period before, after, or before and after the reference date B from the usage history data of the telephone number A in the usage history database,
The second process extracts the pattern number D corresponding to the usage history data C from the history type table,
The third process is a computer system in which a defect index corresponding to the pattern number D is extracted from the defect record table, and the defect index is associated with the telephone number A and output from the output means.

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