JP2009258827A - Credit information analysis server and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit information analysis server and its method, which compute and output credit information corresponding to the reference information received from an intermediary company server. <P>SOLUTION: The credit information analysis server includes: an affiliate information database 66 which registers attribute information of an real estate as member information; a customer information database 68 which registers existence of delinquent amount and delinquent frequency as the customer delinquent information associating to a customer; and an arithmetic processing part CPU 80 which checks the reference information received from the intermediary company server 70a by collating the reference information with at least one piece of information among telephone number history information, member information, and customer delinquent information, analyzes the reference information, and computes and outputs the credit information corresponding to this reference information. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a credit information analysis server and method for calculating and outputting credit information corresponding to query information or credit information request data, and more particularly, to query information or a guarantee company received from a brokerage company server via a communication line. A credit information analysis server that extracts credit information corresponding to credit information request data received from the server via a communication line from the database, and analyzes the query information or credit information request data, and the credit information is calculated and output; It relates to that method.

  Previously, the monthly usage status of all 350 million phone numbers (landline and mobile phones) that have been approved for use by the Ministry of Internal Affairs and Communications was surveyed every month, and usage data for phone numbers for the past several decades was stored as phone numbers. An inquiry processing service using a computer is provided for registering in a history database and using histories such as newly established telephones, missing telephones, relocation telephones, and convenience removals.

  There are about 400,000 monthly relocation telephones nationwide and 7.9 million annual new telephones nationwide. Since this new phone includes the destination phone, for example, in the credit examination, the phone number database is referred to so that the actual period of the source phone is concatenated to the actual period of the latest phone. It was searching for billions of matching destination telephone numbers using a computer in billions of data fields.

  Under these circumstances, the inventor of the present application refers to a telephone number database including telephone number history information, and a control unit that refers to the telephone number database and executes determination of a desired telephone number subscriber according to a telephone subscriber determination program. And a means for outputting the determined result, and a self-supporting telephone number cleaning system that performs a desired telephone number usage status investigation and telephone number determination in a user computer has been proposed (see Patent Document 1). ).

JP 2002-232583 A

  However, there is a certain limit to improve the accuracy of customer credit information by the telephone number history database constructed by the above-described self-supporting telephone number cleaning system.

  The present invention has been made in response to this problem, and corresponds to inquiry information received from a brokerage company server of a predetermined property via a communication line or credit information request data received from a guarantee company server via a communication line. It is an object of the present invention to provide a credit information analysis server and method for extracting credit information to be extracted from a database, analyzing inquiry information or credit information request data, and calculating and outputting credit information.

  In order to achieve the above object, the credit information analysis server 62 of the present invention is a credit information analysis server by a computer that computes and outputs credit information, for example, as shown in FIG. On the other hand, reason display data indicating the usage status obtained by auto-dialing through the ISDN line and a telephone number history database 64 for registering the telephone number history information as the telephone number history information together with the date of the auto-dial corresponding to each telephone number. And a means for registering the transfer source telephone number and the transfer destination telephone number reported by the customer together with the date of declaration in the telephone number history database 64, and registering real estate attribute information, private PO Box information, and official gazette bankruptcy information as member information The customer information database 66, the amount of delinquency and the number of delinquencies The customer information database 68 registered as a report is connected to at least one brokerage company server 70a through the communication line 76a, and the telephone number history information and members that extract the inquiry information received from the brokerage server 70a from the telephone number history data database 64 An arithmetic processing unit 80 that collates with at least one piece of member information extracted from the information database 66 and customer arrears information extracted from the customer information database 68, analyzes the inquiry information, and calculates and outputs credit information corresponding to the inquiry information. (CPU).

  If comprised in this way, the arithmetic processing part 80 will be the transfer destination which matches a survey number from transfer information on condition that the actual period of the latest telephone number which matches the survey number contained in inquiry information is less than a predetermined period. A search is made for a transfer source telephone number of the telephone number, and the actual period of the telephone number that matches the transfer source telephone number is calculated from the history information of the telephone number history database 64, and the actual period of the latest telephone number that matches the survey number is calculated. Calculate and output the concatenated connected real period. Further, the black chuck information registered in the member information database 66 and the inquiry information are collated and reflected in the credit information. Furthermore, since the customer arrears information registered in the customer information database 68 and the inquiry information are matched and reflected in the credit information, the accuracy of the credit information of the customer can be improved as compared with the conventional case. Furthermore, since it has a means to register the transfer source phone number and the transfer destination phone number reported by the customer together with the date of filing in the phone number history database, the consolidated actual period can be calculated even if no transfer destination guidance is provided. can do.

  In order to achieve the above object, the credit information analysis server 62 of the present invention is a credit information analysis server by a computer that computes and outputs credit information, for example, as shown in FIG. On the other hand, reason display data indicating the usage status obtained by auto-dialing through the ISDN line and a telephone number history database 64 for registering the telephone number history information as the telephone number history information together with the date of the auto-dial corresponding to each telephone number. And a means for registering the transfer source telephone number and the transfer destination telephone number reported by the customer together with the date of declaration in the telephone number history database 64, and registering real estate attribute information, private PO Box information, and official gazette bankruptcy information as member information The customer information database 66, the amount of delinquency and the number of delinquencies The telephone number history information is extracted from the telephone number history data database 64 by connecting to the customer information database 68 registered as information and at least one guarantee company server 72 through the communication line 76a and receiving the credit information request data received from the guarantee company server 72. , Match with at least one of the member information extracted from the member information database 66 and the customer arrears information extracted from the customer information database 68, analyze the credit information request data, and calculate the credit information corresponding to the credit information request data And an arithmetic processing unit 80 for outputting.

  If comprised in this way, the arithmetic processing part 80 will correspond with a survey number from transfer information on the condition that the actual period of the nearest telephone number which corresponds to the survey number contained in credit information request data is less than a predetermined period. A search is made for the transfer source telephone number of the transfer destination telephone number, the actual period of the telephone number that matches the transfer source telephone number is calculated from the history information of the telephone number history database 64, and the actual number of the latest telephone number that matches the survey number is calculated. Calculates and outputs the concatenated real period concatenated with the period. Further, the black chuck information registered in the member information database 66 and the credit information request data are collated and reflected in the credit information. Furthermore, since the customer arrears information registered in the customer information database 68 and the credit information request data are matched and reflected in the credit information, the accuracy of the credit information of the customer can be improved as compared with the conventional case. Furthermore, since it has a means to register the transfer source phone number and the transfer destination phone number reported by the customer together with the date of filing in the phone number history database, the consolidated actual period can be calculated even if no transfer destination guidance is provided. can do.

  In order to achieve the above object, a credit information analysis method according to the present invention is a credit information analysis method in which a credit information analysis server 62 by a computer calculates and outputs credit information, for example, as shown in FIG. Reason number data indicating the usage status obtained by auto-dialing through the ISDN line and the transfer destination phone number as the phone number history information together with the date of the auto-dial survey corresponding to each phone number A step of registering in the history database 64, a step of registering the transfer source telephone number and the transfer destination telephone number reported by the customer to the telephone number history database 64 together with the filing date, real estate attribute information, private PO Box information and official gazette Registering bankruptcy information as member information in the member information database 66, arrears amount, arrears A step of registering in the customer information database 68 as customer arrears information corresponding to the presence or absence of the number, connecting to at least one brokerage company server 70a through the communication line 76a, and receiving the inquiry information received from the brokerage company server 70a as a telephone number The inquiry information is analyzed by collating with at least one of the telephone number history information extracted from the history data database 64, the member information extracted from the member information database 66, and the customer delinquency information extracted from the customer information database 68, and the inquiry information is analyzed. And calculating and outputting the credit information corresponding to.

  As described above, the credit information corresponding to the inquiry information received from the brokerage company server 70a or 70b of the predetermined property via the communication line 76a or 76b or the credit information request data received from the guarantee company server 72 via the communication line 78 Can be extracted from the various databases 64, 66, and 68, and the calculation information 80 can analyze the inquiry information or the credit information request data, and the credit information analysis server 62 and the method for calculating and outputting the credit information can be provided.

An embodiment of the present invention will be described with reference to FIGS. Generally, the credit information analysis server 62 of the present embodiment calls the history information of the latest telephone number that matches the survey number included in the inquiry information received by the credit information analysis server 62 from the brokerage company servers 70a and 70b. The source telephone number of the destination telephone number that is read from the number history database 64 and matches the survey number from the transfer information registered in the telephone number history database 64 on condition that the actual period of the latest telephone number is less than the predetermined period. And the actual period of the transfer source telephone number is calculated from the history information of the telephone number history database 64, and the connected actual period connected to the actual period of the latest telephone number that matches the survey number is calculated and output, and the member The black chuck information registered in the information database 66 and the credit information request data are collated and reflected in the credit information. Furthermore, the credit information analysis server 62 increases the credit accuracy by matching the customer arrears information registered in the customer information database 68 with the credit information request data and reflecting it in the credit information.

  FIG. 1 is a system configuration diagram schematically showing the overall configuration of the credit information analysis server 62 according to an embodiment of the present invention. As shown in the figure, a system in which a credit information analysis server 62 using a computer that calculates and outputs credit information is applied to a real estate credit information server is illustrated. However, the present invention is not limited to real estate transactions. It can also be applied to money lending business and futures market transactions. Hereinafter, application examples of the real estate credit information server will be described.

    Reason display data indicating the usage status obtained by auto-dialing telephone numbers distributed throughout the country through ISDN lines and the destination telephone number as telephone number history information together with the date of the auto-dial survey corresponding to each telephone number A telephone number history database 64 to be registered, a member information database 66 for registering real estate attribute information, private PO Box information and official gazette bankruptcy information as member information, and arrears amount and number of delinquencies as customer arrears information A telephone number for connecting the customer information database 68 to be registered to at least one brokerage company server 70a or 70b through the communication line 76a or 76b and extracting the inquiry information received from the brokerage server 70a or 70b from the telephone number history data database 64. History information, member information database The processing unit 80 (CPU) which collates with at least one piece of member information extracted from the customer information 6 and customer arrears information extracted from the customer information database 68, analyzes the inquiry information, and calculates and outputs credit information corresponding to the inquiry information And).

  The real estate credit information analysis server as the credit information analysis server 62 is connected to the rent guarantee company server as the guarantee company server 72 and the communication line 78, and is connected to the guarantee company server 72 through the communication line 76a. The credit information request data received from the telephone number history data database 64 is matched with at least one of the telephone number history information extracted from the telephone number history data database 64, the member information extracted from the member information database 66, and the customer arrears information extracted from the customer information database 68. And an arithmetic processing unit 80 which analyzes the credit information request data and calculates and outputs credit information corresponding to the credit information request data.

  Further, for example, the real estate brokerage server as the brokerage company server 70a is connected to the rent guarantee company server as the guarantee company server 72 through the communication line 76c, and the real estate brokerage server is connected from the rental requesting user terminal 74a through the telephone or communication line. Received rental request information, such as “rental applicant name”, “sex”, “married or unmarried”, “birth date”, “address or residence”, “year of residence”, “home phone number”, “mobile phone” Rental application that includes "phone number", "work name", "work phone number", "necessity of rent guarantee company", "contact apartment" separate from previous address, and "contact private box information" Based on the information, the warranty request information or the inquiry information described above is generated.

  Here, when the guarantor does not exist in the rental requesting user, the real estate agency server transmits the generated guarantee request information to the rent guarantee company server via the communication line 76c. The rent guarantee company server then, based on the received guarantee request information, at least “name or name”, “previous address or whereabouts”, “gender”, “married or unmarried”, “date of birth”, “ Credit information request data including “year of residence”, “home phone number”, “mobile phone number”, “work name”, “work phone number” is created and transmitted to the real estate credit information server via the communication line 78 To do.

  Subsequently, the real estate agency server determines whether or not the rent guarantee is possible based on the credit information reply data received from the real estate credit information server, and transmits the judgment result as reply information via the communication line 76c.

  The real estate agency server can answer whether or not real estate brokerage is possible via the communication line to the rental requesting user terminal 74a based on the reply information received from the real estate agency server. Of course, this answer may be sent by mail or by telephone. In short, it is sufficient that objective credit information can be calculated and answered to the user based on the telephone number history information, black check information, and arrears information stored in the real estate credit information server. The credit information may be generated based on the rent guarantee response information received from the rent guarantee company server.

    Next, a specific example of this embodiment will be described. The customer information database 68 stores information on the number of months in which rents are delinquent, the monthly rent amount, and the total amount of delinquency. In addition to this, trouble information with a neighbor, the number of times, and other rental contract violation history can be included as trouble information. All of them are customer personal information, but they are important items for credit review.

  And CPU80 calculates a comprehensive point from a residence estimation period, and determines credit. For example, it is possible to add or subtract points from the past months of use of telephone numbers used in the past from the present at the time of application from the previous month of use of previous telephone numbers, the previous month of use of telephone numbers, or the previous month of use of telephone numbers.

  The CPU 80 deducts from a predetermined number of points when the usage period of the telephone number is less than one year. For example, when the previous call is one year, it is incremented by “10” points. When the previous call is one year, it is incremented by “10” points. When the previous call is two years ago, it is incremented by “20” points. The total points are calculated and output as “40” points.

  In addition, the CPU 80 may calculate “−10” points when the previous call is 3 months and “−10” points when the previous call is 6 months, and may calculate and output the total point “−20” points. it can.

  Furthermore, the CPU 80 gives “−10 points” when the previous call is 3 months, “−5” points when the previous call is 8 months, and “10 points” when the previous call is 1 year ago. The point “−5” can be calculated and output.

  Then, the CPU 80 adds up the score of the telephone usage elapsed month (at the time of application). For example, when the current telephone usage elapsed month is “−10” points for 3 months, “−15” points are calculated and output as a total score.

  Here, the overall evaluation is performed by the CPU 80, and the credit may be evaluated low even if the rent is not past due in the past. In addition, if it is assumed that the number of years of residence is one year even though the current month of telephone use is 3 months (at the time of application), it will be a false application even if the CPU 80 has cleared the minimum passing score. Max deduction “−99” is calculated and the total point is calculated and output as “−114”.

  Therefore, the response information for the inquiry information is determined as “credit not accepted”. Other deduction factors are calculated as “−10” points per month for arrears and “−10” points per trouble. As described above, the CPU 80 automatically calculates and outputs the credit result, but it may be desirable that “the passing score is 10 or more in total score”.

  The arithmetic processing unit 80 can also receive customer arrears information from the brokerage company server 70 a or 70 b through the communication line 76 a or 76 b and register it in the customer information database 68.

  The calculation processing unit 80 can also calculate and output credit information including arrears information for the guarantee company server 72 to calculate and output the guarantee fee rate.

FIG. 2 is a system configuration diagram schematically showing the overall configuration of the telephone number history survey system 14 that can be used in the present embodiment. As shown in FIG. 2, in a telephone number history investigation system 14 that is connected to a terminal 10 through a communication line 12 and investigates a telephone number usage history, ISDN (Integrated Services Digital) is applied to telephone numbers distributed throughout the country.
Network) phone number history database 16 for registering the reason display data indicating the usage status obtained by auto-dial through the line and the transfer destination phone number as history information together with the date of the auto-dial corresponding to each phone number, and telephone A transfer information database that registers a telephone number having the reason display data of the transfer extracted from the history information of the number history database 16 as a transfer source telephone number, and registers a survey date of the transfer of the telephone number and a transfer destination telephone number as transfer information. 18 and when the survey number is received from the terminal 10 through the communication line 12, the actual period of the telephone number that matches the survey number is calculated from the history information of the telephone number history database 16, and the actual period is less than the predetermined period Is the transfer destination telephone number that matches the survey number from the transfer information in the transfer information database 18. The transfer telephone number is read out, the actual period of the telephone number that matches the transfer source telephone number is calculated from the history information of the telephone number history database 16, and the combined actual period that is linked to the actual period of the telephone number that matches the survey number is obtained. An arithmetic processing unit 20 that performs arithmetic output, and a communication unit 22 that returns the connected real period output by the arithmetic processing unit 20 to the terminal 10 through the communication line 12 are provided. However, the telephone number history database 16 may be a constituent requirement of the present invention, and may be excluded from the constituent requirements. In short, a software program may be executed by a computer that calculates and outputs real estate credit information.

  The communication line 12 is a communication means that transmits an electric signal, an optical signal, or a radio signal by applying an Internet network or a dedicated line network, and is connected to a plurality of terminals 10, 10a to 10d.

  The telephone number history survey system 14 is realized by a server including a communication unit 22, an arithmetic processing unit 20, and a storage unit 24. The storage unit 24 stores a telephone number history database 16 and a transfer information database 18. Although the present invention is not construed as being limited, the storage unit 24 stores a storage medium such as a magnetic disk or an optical disk in a detachable manner using a single cylinder disk drive.

  Further, the terminals 10, 10 a to 10 d may be realized by an input / output device including a personal computer main body, a display, a keyboard, and a mouse, or may be realized by a mobile phone terminal that can be connected to the communication line 12.

  Next, the telephone number history database 16 will be described. The telephone number history database 16 stores predetermined reasoning data indicating the usage status of telephone numbers obtained by automatic dialing through ISDN lines for fixed telephone numbers and mobile telephone numbers distributed throughout the country, corresponding to each telephone number. It is registered or stored in the computer-readable storage medium provided in the storage unit 24 as history information together with the survey date.

  For example, all 350 million national phone numbers that are allowed to be used by the Ministry of Internal Affairs and Communications have initial phone number information of about 16,700 station numbers that combine a prefix number “0”, an area code, and a city code in order. This is a total of number information created in advance and added with serial numbers of subscriber numbers 0000 to 9999 for each station number nationwide. In addition, the mobile phone and the PHS preliminarily create a number for identifying the telecommunications carrier as initial telephone number information in association with the area code and the city code. In short, the sum of the number that combines the first number “0” that identifies the telecommunications carrier, the area code, the local number, and the subscriber number that identifies the telephone subscriber corresponds to the telephone number that is distributed throughout the country. .

  The telephone numbers distributed throughout the country are stored in a computer-readable storage medium, and the telephone numbers to be investigated are read out from the storage medium in the descending or ascending order from among the telephone numbers distributed throughout the country. The phone number information survey is conducted in the continuous operation mode by using and calls are made to all the phone numbers distributed throughout the country within one month.

  The telephone number transmission computer makes a call to the exchange of the jurisdiction that has jurisdiction over the telephone number of each investigation, through the ISDN line once or twice a month on the investigation day, and displays the reason why the NTT exchange notifies by ISDN communication The telephone number transmission computer automatically collects the transfer destination telephone number and stores it in the hard disk, for example, as the latest telephone number usage status data.

  In this embodiment, a telephone number to be surveyed obtained by dividing telephone numbers distributed throughout the country is stored in a storage medium, and a plurality of telephone number transmission computers are connected to ISDN exchanges of different jurisdictions to distribute a plurality of distributed telephone numbers. A telephone number information survey of nationwide telephone numbers may be conducted by collecting telephone numbers collected by continuous operation of computers, and a telephone number information investigation of telephone numbers distributed throughout the country by a telephone number transmission computer installed in one place. You may implement.

  The telephone number usage status data is “01: Missing number”, “16: Normal”, “22: Changed partner number”, “JST-Q931 (layer 3) information obtained from the ISDN exchange for each telephone number to be investigated”, “ 28: Invalid number ”and the destination telephone number, etc., are stored in the hard disk of the telephone number transmission computer in association with the telephone number automatically dialed and the survey date. Further, “22: partner number change” is a transfer number, and a new incoming number is included in the diagnostic information field.

  The telephone number history database 16 additionally stores the latest telephone number usage status data collected on the hard disk of the telephone number transmission computer in a computer-readable storage medium for storing the past telephone number usage status data. Update and generate history.

  The telephone number history database 16 uses, for example, a comma-delimited CSV record form to sequentially register the telephone numbers to be investigated in the first field, and the most recent investigation date and reason display number in the second to fourth fields. , Register the transfer destination telephone number, register the number of valid history fields “20” in the fifth field, and enclose the past survey date, reason display number, and transfer destination telephone number registered until the last time in the sixth field. History information is registered in descending order of the survey date.

  In addition, if a comma is continuously registered in a field where there is no data of the transfer destination telephone number, the storage area can be used effectively. In this way, the telephone number history database 16 stores the latest history information and 20 past history information for each telephone number to be investigated in one record form.

  However, the present invention does not limit the number of past histories to 20, but all 350 million telephone numbers surveyed every month within the range of the storage capacity of computer-readable storage media (landline and mobile phones) (Phone) history information can be stored for several years.

  Next, the transfer information database 18 searches the telephone number history database 16 stored in the computer-readable storage medium using the reason display number “22” indicating the transfer telephone as a key, and the transfer destination telephone number hit. The transfer source telephone number, the survey date when the transfer telephone was detected, and the information table generation date are registered as transfer information.

  FIG. 3 is a conceptual diagram showing a generation process of the transfer information database 18. As shown in FIG. 3, in the telephone number history database 16, a record form 30 is registered for each telephone number to be investigated. Note that members that are the same as or similar to those in the above-described embodiment are assigned the same or similar reference numerals, and redundant descriptions are omitted.

  In the record form 30, “phone number Me” of the telephone number to be investigated is registered in the first field 31 with a numerical value of a maximum of 12 digits. In the rear field 32, the reason display number “Status” indicating the transfer “22” is registered as a 2-digit numerical value, and in the field 33, the transfer destination telephone number “Relocation Destination You1” is registered as a maximum 12-digit numerical value. In the field 34, the “survey date ymd1” of the survey date that collected the transfer is registered as an 8-digit number.

  Further, in the rear field 36, “Status” of the reason display number indicating the transfer “22” is registered as a 2-digit numerical value, and in the field 37 “Relocation destination You2” of the transfer destination telephone number is a numerical value of up to 12 digits. In the field 38, the “survey date ymd2” of the survey date that collected the transfer is registered as an 8-digit number.

  When the computer reads all the record forms in the telephone number history database 16 and detects the reason display number “22”, for example, the reason display number “22” is stored in the field 32 in the record form 30. The survey date is read from the field 34, and the transfer destination telephone number is read from the field 33.

  In addition, even when the reason display number “22” is stored in the rear field 36, the computer can read the survey date from the field 39 and can read the transfer destination telephone number from the field 38.

  Further, the computer transfers the read information of each field to the transfer information database 18 and writes it in the table unit of the transfer information. For example, the table 40 stores numerical data corresponding to “You1”, “phone number Me”, and “ymd1”. The table 42 stores numerical data corresponding to “You2”, “phone number Me”, and “ymd2”.

  Here, exemplifying the index structure of the table 40, the indexes 43 to 46 sequentially store the transfer destination telephone number, the transfer source telephone number, the survey date, and the table generation date as numerical information.

  In the present embodiment, the reason display number of JT-Q931 (Layer 3) information may be registered as it is in the telephone number history database 16 and the transfer information database 18, and real, missing, relocated, convenient removal can be performed by computer sorting processing. It may be registered by replacing it with a two-digit number integrated into four types. In this case, the three-digit reason display number can be collected into a two-digit number to effectively use the data storage capacity.

  FIG. 4 is a diagram showing an operation flow of the telephone number history survey system 14 executed by the server. The telephone number history survey system 14 registers transfer information generated from the latest history information stored in the telephone number history database 16 in the transfer information database 18.

  The telephone number history investigation system 14 inputs the investigation number received from the terminal 10 via the communication line 12 in the telephone number input processing step 50 (hereinafter, abbreviated as “S”) to be investigated. The survey number may be a serial number having a predetermined number of digits starting from “0”, or may be a number obtained by separating “0”, an area code, a local code, and a subscriber number with a hyphen. In short, information of a predetermined number of digits that the server can recognize as a telephone number may be input to the communication unit 22 of the server.

  When the server receives the survey number, the arithmetic processing unit 20 acquires the survey number via the communication unit 22 and reads the history information of the telephone number that matches the survey number registered in the telephone number history database 16. The first process S51 is performed, the actual period of the telephone number is calculated retroactively from the most recent survey date, and the calculation result is stored in the RAM area of the server.

  Here, the arithmetic processing unit 20 searches all 350 million record forms 30 (see FIG. 3) stored in the telephone number history database 16, and the first field 31 (FIG. 3) matching the survey number. Executes the analysis process of the telephone number stored in the reference). For example, the analysis process may calculate the actual period by counting the number of actual recordings that are consecutive from the most recent survey date in the record form 30, or the past that has changed from the most recent survey date and missing number to the actual one. The analysis process may be performed by calculating a difference period from the survey date as an actual period.

  Subsequently, the arithmetic processing unit 20 performs the real period determination S52 and determines whether or not the real period obtained from the analysis result of the telephone number satisfies a predetermined period. This predetermined period can be set to, for example, one year as shown in the case of credits. In addition, in the net auction, the predetermined period can be appropriately set to 6 to 8 months and stored in the server.

  If it is determined that the most recent actual period obtained in the actual period determination S52 is one year or more (YES), the server branches to the output S58 and the latest actual period calculated by the arithmetic processing unit 20 is output from the communication unit 22 to the terminal 10. A reply is made through the communication line 12.

  On the other hand, when the determination result of the real period determination S52 is NO (NO), the server branches the process to the transfer information database search process S53. Then, the arithmetic processing unit 20 searches the transfer information database 18 to calculate the search number of the table 40 or table 42 having the transfer destination telephone number 43 that matches the survey number, and shifts the server processing to the search number determination S54.

  The arithmetic processing unit 20 determines whether or not the search number is “0” in the search number determination S54, and if it is determined that there is one or more cases (NO), the processing of the server is branched to the secondary process S55. On the other hand, if the determination result is “0”, the server process branches to output S59, and the actual period obtained in the first process S51 is returned to the terminal 10 via the communication unit 22. According to this “0” determination, it is possible to obtain a determination result of a short-term real number for newly opened as compared with the conventional case.

  In other words, the determination result cannot be returned to the terminal 10 until the search of all 350 million record forms has been completed, and access from other terminals 10a to 10c is also waited during the search of “0” determination. Since there is an adverse effect, the transfer information database search process S53 according to the present embodiment is more advantageous than the conventional one.

  The server branches to the second processing S55 on the condition that the incoming call is detected, and the arithmetic processing unit 20 sets the transfer investigation date 45 and the transfer source telephone number 44 of the transfer destination telephone number 43 that matches the search number from the transfer information database 18. Read and access the telephone number history database 16.

  In addition, in the second processing S55, the arithmetic processing unit 20 recognizes the actual telephone number from the history of the telephone number history database 16 to the past survey date from the survey date of the transfer of the telephone number matching the source telephone number 44. The period is calculated, and the combined real period is calculated by connecting the real period of the telephone number that matches the survey number obtained in the first process S51 and the real period of the transfer source telephone number 44 obtained in the second process S55. To do.

  The server shifts the process to real period determination S56, and the arithmetic processing unit 20 determines whether or not the connected real period satisfies a predetermined period. If YES (YES), the process branches to S57. As described above, the predetermined period can be appropriately set to 6 to 8 months in the online auction, in addition to the one year shown in the credit.

  In the real period connection S57, the server returns the connection real period calculated and output by the arithmetic processing unit 20 from the communication unit 22 to the terminal 10 through the communication line 12. The terminal 10 can receive a report of a consolidated actual period exceeding one year in a shorter time than the conventional one, so that it is possible to improve the work efficiency of the credit examination and to compare with the conventional telephone number history survey system that investigates only the latest actual period. The customer's credit can be accurately investigated by weighting the transfer of telephone numbers.

  On the other hand, if it is determined that the connected real period obtained in the real period determination S56 is less than one year, the server branches to the output S60 and the latest real period calculated by the arithmetic processing unit 20 in S51 is output from the communication unit 22 to the terminal 10. May be returned through the communication line 12, or the connected actual period of less than one year calculated and output in S 55 may be returned from the communication unit 22 to the terminal 10 through the communication line 12.

  Note that the actions and effects described in the embodiments of the present invention only list the most preferable actions and effects resulting from the present invention, and the actions and effects according to the present invention are described in the embodiments of the present invention. It is not limited to the ones.

  FIG. 5 is a block diagram of the credit information analysis server 62 of the present embodiment. The credit information analysis server 62 is, for example, as shown in the figure, a credit information analysis server by a computer that computes and outputs credit information, and a usage situation obtained by auto-dialing a telephone number distributed throughout the country through an ISDN line. Phone number history database 64 for registering the reason display data and the transfer destination telephone number as the telephone number history information together with the date of investigation automatically dialed corresponding to each telephone number, real estate attribute information, private PO Box information and official gazette bankruptcy A first member information database 66a for registering information as member information, a second member information database 66b for registering other information such as official gazette information, short-term residence information, and private post-office box information; Customer information database that registers customer delinquency information in response to customers 8 and at least one brokerage company server 70a through a communication line, and the telephone number history information and first and second member information databases for extracting the inquiry information received from the brokerage company server 70 from the telephone number history data database 64. An arithmetic processing unit 80 that collates with at least one piece of member information extracted from 66a, 66b and customer arrears information extracted from the customer information database 68, analyzes the inquiry information, and calculates and outputs credit information corresponding to the inquiry information (CPU).

  Then, according to the above-described configuration requirements, the servers return “response information” to “application information”, “information inquiry information”, “guarantee application information”, and “information inquiry information” via a communication line. Can do. And the next phone number can be used even if you use the phone number that is guided to move in the phone number history information, but every time you apply for rental considering the case where you do not guide the phone number every time you move, The current phone number and the phone number after moving can be registered by customer declaration. Furthermore, if the same person moves again and a new real estate brokerage contract is signed, registration will be made by the customer declaration as described above.

In this way, even if the transfer phone number is not automatically determined from the phone number history, the customer's phone number that changes one after another can be tracked from the present to the past. Then, the CPU 80 makes a determination for each telephone number that can be tracked while referring to the usage month of the telephone number obtained from the telephone number history information.

  Rent arrears months, number of times and trouble information are reported and updated each time by a user using the present invention such as a real estate agency. For example, in the case of a rent arrears month, a monthly rent, and a total deduction of 1 point, the CPU 80 calculates and outputs “−5” points. When the total deduction is two times, the CU 80 calculates and outputs “−20” points. Further, when the total deduction is 3 times or more, the CU 80 calculates and outputs “−50 points”. l The CPU 80 further performs a deduction process according to the total rent arrears level for the points thus calculated and output. For example, if the total amount of delinquency is in the range of 100,000 yen, “−10” points are added, and if there is no overdue, “10” points are added.

The CPU 80 reads out the trouble history and frequency of the neighborhood from the customer information database 68 of the rent applicant, and trouble types (1: “major accident”, 2: “neighboring noise in the neighborhood”, “harassment”, “bad odor”, 3: Corresponding to “other unfavorable behavior in communal life”, trouble type (1: “−20” point, 2 to “−5” point up to 2 times, 2 to 3 times more than “−10 points”) 3 Up to 5 times “−5 points” 3 is output 5 times or more “−10” points.

  Further, the CPU 80 calculates a total score from the rental applicant's estimated residence period and determines the credit. For example, from the previous phone number usage month, the previous phone number usage month, the previous phone number usage month (calculated based on the history), it is added from the usage number of the phone number used from the present to the past at the time of application Execute the process of deducting points. In this case, it can be set so that less than one year is deducted.

  As an example 1, when the previous phone call is “10 points”, the previous phone call is “10 points”, and the previous phone call is “20 points”, the total score is 40 points. As an example 2, if the previous phone call is “−10” points for 3 months and the previous phone call is “−10” points for 6 months, the total is calculated as “−20” points. As an example 3, when the previous phone call is “−10” points for 3 months, the previous phone call is “−5” points for 8 months, and the previous phone call is “10” points for 1 year, the total points are “−5” points. .

Furthermore, if the CPU 80 has assumed that the number of years of residence is one year even though the current month of telephone use is three months, it will be a false application even if the overall score has cleared the minimum passing score, and the credit Max will be deducted. "-900" is given and the warning score is calculated and output. As comprehensive evaluation, CPU80 calculates a total score by calculating and adding points and deduction points. To give an example of evaluation, the total score: a negative score indicates a “warning” to the rental contract, a total score of “30” or lower indicates a “caution”, and the total score exceeds “30” and is “50” If it is less than “not good”, “good” is notified, and if the total score exceeds “50”, the evaluation of “best” can be notified and the user can be answered.

The block diagram which illustrates the outline of the credit information analysis server of this invention. The system block diagram which shows a telephone number log | history investigation system roughly. The data structure figure of a transfer information database. The figure which shows the operation | movement flow of a telephone number log | history investigation system. The block diagram which illustrates the credit information analysis server of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Terminal 12 Communication line 14 Telephone number history investigation system 16 Telephone number history database 18 Transfer information database 20 Operation processing part 22 Communication part 62 Credit information server 64 Telephone number history database 66 Member information database 68 Customer information database 70a, 70b Broker company server 72 Guarantee company servers 74a, 74b User terminal 80 CPU

Claims (3)

A computer-based credit information analysis server that computes and outputs credit information,
Member information database that registers property information and official gazette bankruptcy information as member information,
A customer information database for registering customer arrears information by indicating the amount of arrears and the number of delinquencies,
Connect to at least one brokerage company server through a communication line and match the inquiry information received from the brokerage company server with at least one piece of member information extracted from the member information database or customer arrears information extracted from the customer information database , An arithmetic processing unit that analyzes the inquiry information and calculates and outputs credit information corresponding to the inquiry information;
A computer-based credit information analysis server characterized by comprising: A computer-based credit information analysis server that computes and outputs credit information,
Member information database that registers property information and official gazette bankruptcy information as member information,
A customer information database for registering customer arrears information by indicating the amount of arrears and the number of delinquencies,
At least one piece of information that is connected to at least one guarantee company server through a communication line and extracts credit information request data received from the guarantee company server from the member information database or customer arrears information extracted from the customer information database And a calculation processing unit for analyzing the credit information request data and calculating and outputting the credit information corresponding to the credit information request data. A credit information analysis method in which a credit information analysis server by a computer calculates and outputs credit information,
Registering property attribute information and official gazette bankruptcy information as member information in the member information database;
Registering the customer's arrears amount and number of delinquency in the customer information database as customer arrears information,
Connect to at least one brokerage company server through a communication line and match the inquiry information received from the brokerage company server with at least one piece of member information extracted from the member information database or customer arrears information extracted from the customer information database Analyzing the inquiry information and calculating and outputting the credit information corresponding to the inquiry information by the arithmetic processing unit;
A credit information analysis method using a computer characterized by comprising: