JP2009301233A - Mediation device for credit information organization and credit information management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce a construction burden of a one's own company system on a money lender accompanying introduction of total amount control of the money lending law. <P>SOLUTION: This mediation device 10 for a credit information organization is connected to a plurality of operation terminals 12 operated by the money lenders and a server 14 operated by the credit information organization managing credit information of contractors. A file take-in part 22 takes in a money lending contract information file including a plurality of data items related to a money lending contract, inputted through the operation terminal 12. A report file creation part 30 creates a report file comprising the data items required by the server 14 of the credit information organization based on the contract information file. A transmission part 33 transmits the created report file to the server 14. A registration result reception part 36 receives the data item updated or registered in the server 14 according to the report file from the server 14. An already registered data holding part 34 holds a copy of the registered or updated data item. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a technique for managing personal credit information in a money lending business.

  In December 2007, the main part of the revised Money Lending Business Law was enacted, including the optimization of the money lending business and the abolition of gray zone interest rates. This amendment aims to curb excessive lending and includes the following: 1. Establishment of designated credit information agency system. Introduce a system to specify credit information institutions that meet the requirements of appropriate management of credit information and registration of all cases, and establish a system that allows lenders to grasp the total borrowing balance of borrowers. When there are multiple designated credit information agencies, mutual exchange of balance information, etc. is required. 2. Introduction of total amount regulation. Require lenders to investigate borrowers' ability to repay using credit information from credit information agencies. As a result of the survey, loans that exceed the repayment capacity, such as loans whose total borrowing balance exceeds one third of annual income, are prohibited. These systems are to be implemented within two and a half years after the main body comes into effect.

  With the revision of the Money Lending Business Law, the following burdens arise for money lenders. 1. Use of credit information of designated credit information agencies is obligatory. Therefore, it is essential for each money lender to construct a system having a function of connecting to a designated credit information organization. 2. When registering a contract and changing personal credit information, you are required to report to the designated credit information agency "without delay". Specifically, registration information and update information for the previous day must be reported to the credit information agency by the next morning. Therefore, each money lender needs to register and update information in accordance with the exchange schedule of the credit information agency.

  After the introduction of total volume regulation, money lenders who do not contract with credit information agencies will be unable to continue their business. In addition, if there is a money lender that is not fully compliant with the total amount regulations, there is a risk of insecurity in the entire money lending business, so all the companies subject to the Money Lending Business Act can exchange information appropriately with credit information agencies. It is desirable to do so.

As a conventional technique used by a money lender for a credit information investigation, for example, Patent Literature 1 discloses a personal identification system for determining whether or not credit can be granted to an individual such as issuing a credit card. . According to this, using the inquiry key for identifying the person, inquiry answers of the principal information, the similar information, and the reference information are respectively created, and the three inquiry answers are hierarchically displayed on one screen.
JP 2002-24539 A

  Conventionally, money lenders such as creditors, credit sellers, and consumer finance companies have joined individual credit information agencies to perform individual credit information inquiries and loan agreement registration and renewal procedures. In addition, since the use of credit information institutions has been voluntary in the past, there are some companies that are not affiliated with information institutions. After enforcing the total amount regulation, each money lender needs to build its own system that connects to one or more credit information agency servers. This is a tremendous cost and burden for money lenders. In particular, it is expected that reporting of contract information and updating of personal credit information to the credit information agency by the next day will be a heavy burden on the lender.

  The present invention has been made in view of such circumstances, and its purpose is arranged between the operation terminal of the money lender and the server of the designated credit information agency, and reports contract information from the money lender and updates of credit information. It is to provide intermediary technology to the credit information agency that executes on behalf of the agency.

  An aspect of the present invention is connected to a plurality of computer terminals operated by a money lender and a server operated by a credit information organization that manages the credit information of the contractor, collects the loan contract information, and reports it to the server The credit information agency intermediary device. This apparatus is composed of a file fetching unit that inputs a loan contract information file including a plurality of data items related to a loan contract, and data items requested by a credit information institution server based on the contract information file. A report file creation unit for creating a report file, a transmission unit for transmitting the created report file to the server, a registration result receiving unit for receiving data items registered or updated in the server according to the report file, and a registration or reception unit A registered data holding unit that holds a copy of the updated data item.

  According to this aspect, the intermediary device to the credit information agency that performs contract information reporting and credit information update from the money lender is arranged between the operation terminal of the money lender and the server of the credit information agency. I did it. As a result, it is possible to reduce the system construction burden for the money lender to connect the company system to the server of the credit information agency.

  The file capturing unit may further include a format conversion unit that converts a loan contract information file created in a different format for each money lender into a predetermined common format. Thereby, the money lender does not need to modify its own system so that the contract information file can be transmitted in a common format. Furthermore, the information agency intermediary apparatus can cope with the addition of a conversion company only by adding a conversion module when adding a money lender. Therefore, the cost burden can be reduced.

  The contract information file includes the scheduled payment date of the amount to be repaid according to the loan contract and the borrowing balance of the loan contract as data items, and the capture date of the contract information file from the planned payment date An arrears determination unit that determines that the loan contract related to the contract information file is overdue on the condition that the predetermined number of days have passed and the borrowing balance is equal to or greater than a predetermined amount may be further provided. Thereby, it is possible to automatically determine whether or not the customer who has made the loan contract is overdue.

  The contract information file includes, as data items, a payment date, which is the date on which payment from the contractor was made, and status information indicating whether the loan contract is overdue. When the information is set to be overdue, it may be determined that the overdue of the loan contract related to the contract information file has been resolved on the condition that the date is input on the payment date of the contract information file. Thereby, it is possible to automatically determine whether or not the customer who has made a loan contract has been overdue.

  You may further provide the transmission timing determination part which hold | maintains several report files temporarily and transmits a report file at the time designated by the server of a credit information agency. Thereby, it is possible to absorb the difference between the time when the contract information file is received from the terminal of each money lender and the receivable time of the report file at the server of each credit information organization.

  The report file creation unit may further include an editing unit that creates a report file in a format requested by each of a plurality of credit information agencies. Thus, report files for a plurality of credit information institutions can be created based on a single contract information file.

  Another aspect of the present invention is a credit information management system. This credit information management system is connected to a plurality of computer terminals operated by a money lender, a server operated by a credit information organization that manages the contractor's credit information, and the computer terminal and server to collect loan contract information. And a credit information agency intermediary device that reports to the server. The credit information institution intermediary device is input through a computer terminal and receives a loan contract information file including a plurality of data items related to a loan contract, and data requested by a credit information institution server based on the contract information file A report file creation unit for creating a report file comprising items, a transmission unit for transmitting the created report file to the server, a registration result receiving unit for receiving data items registered or updated in the server according to the report file from the server, and A registered data holding unit for holding a copy of the registered or updated data item.

  It should be noted that any combination of the above-described components and a representation of the present invention by a method, apparatus, system, recording medium, and computer program are also effective as an aspect of the present invention.

  According to the present invention, an intermediary device to a credit information agency that executes contract information reporting and credit information update from a money lender is provided between a money lender operating terminal and a designated credit information agency server. By arranging it, it is possible to reduce the burden of construction of the own system of the money lender with the introduction of the total amount regulation of the Money Lending Business Law.

  FIG. 1 is an overall schematic diagram of a credit information management system 100 according to an embodiment of the present invention. This credit information management system 100 is a system for sharing information on so-called credit information, such as the identity of a contractor of a loan contract, past transaction history, repayment ability, etc., among a plurality of money lenders and credit information institutions. .

  Credit Information Agency is an organization established for the purpose of using for accurate loan examination by receiving and maintaining credit information of loan contractor from member lenders and sharing credit information among members. . In the present embodiment, it is assumed that there are two institutions, D and E, as designated credit information institutions. In reality, there are multiple credit information institutions that differ in the background of the establishment of the organization, the industry of member companies, the types of contracts handled, and the like. Each credit information organization operates the servers 14d and 14e, respectively, and processes registration of loan contract information and inquiry of customer credit information from a member money lender.

  Money lenders A to C are money lenders subject to regulation under the Money Lending Business Law. Each trader has one or a plurality of stores, and each store includes operation terminals 12a to 12c that are typically personal computers. Each operation terminal has an input device such as a keyboard and a mouse, an output device such as a display, and a function of connecting to a network. The operation terminals 12a to 12c are under the management of the core systems 121a to 121c for each trader, and registration of loan contract information and inquiry of customer credit information from the operation terminals 12a to 12c are temporarily stored in the respective core systems 121a to 121c. Is done.

  Generally, money lenders often have contracts with multiple credit information agencies in order to collect credit information widely. Registration of credit contract information and credit information separately with servers operated by each credit information agency. Updates and inquiries. In addition, the format required for reporting or inquiries is usually different for each credit information agency. As a result, every time a new contract is established or renewed, the lender must create a file for reporting or inquiring for multiple credit information agencies, which is time and cost intensive. large.

  Therefore, in the present embodiment, the information institution mediating apparatus 10 acting as a proxy for reporting contract information and inquiring credit information is arranged between the credit information institution server and the main system of each lender.

  The information institution mediating apparatus 10 is connected to the main systems 121a to 121c of each dealer via a network such as the Internet or a LAN (Local Area Network) or via a dedicated line. The information agency mediating apparatus 10 is also connected to the servers 14d and 14e of each credit information agency via a network or a dedicated line. The information agency mediating apparatus 10 is composed of two units each having a different function. The reporting unit 20 creates a report file for reporting to the credit information institution server 14 when a loan contract is set or credit information is updated in the money lender, and transmits the report file to the server 14. The inquiry unit 40 creates an inquiry file for inquiring the customer's credit information to the server 14 of the credit information institution when setting or updating the contract in the money lender, and transmits the inquiry file to the server 14. At this time, the information institution mediating apparatus 10 converts the report or inquiry file transmitted in a format unique to each lender to a file in a predetermined format required by the server 14 of the credit information institution and transmits the file. That is, the information agency intermediary device 10 has a role of absorbing the difference in system specifications adopted by each money lender.

  The information institution mediating apparatus 10 also has functions such as format check and temporary storage of loan contract information, and also has a role of reducing modification of the core system on the side of the money lender associated with the connection with the server of the credit information institution. Have. The function of the information agency mediating apparatus 10 will be further described later with reference to FIG.

  Note that registration of loan contract information and inquiry of customer credit information may be performed directly from the operation terminals 12a to 12c to the information agency intermediary device 10 without going through the main systems 121a to 121c of the respective vendors. .

  FIG. 2 is a functional block diagram showing a detailed configuration of the information agency mediating apparatus 10. These configurations can be realized in hardware by elements such as a CPU and a memory of a computer, and in terms of software, it is realized by a computer program or the like that has the functions described below and is loaded into a memory. Here, it is depicted as a functional block realized by such cooperation. Therefore, those skilled in the art will understand that these functional blocks can be realized in various forms by hardware only, software only, or a combination thereof.

First, each block in the reporting unit 20 will be described.
The file capturing unit 22 captures a contract information file for reporting the details of the loan contract to the credit information agency, which is stored in the main system 121 of each money lender. This import is preferably performed by a batch process that periodically collects the contract information files stored in each core system, but the contract information file is created every time the operation terminal is created and stored in the core system. May be performed. As will be described later, the contract information file transmitted from each operation terminal via the backbone system includes a contractor specification format based on a system-specific specification adopted by the money lender and a common format that is a standard specification of the information institution mediation apparatus 10 It may be either. The file fetching unit 22 also has a function of converting the contract information file in the contractor specification format into a common format upon receipt of the contract information file. This function will be described later with reference to FIG.

  The contract information file is a file created at the time of a new loan contract with a customer, at the time of contract renewal, when credit information is changed, and includes data items such as customer identity information and borrowing amount. The contract information file may further include data representing the report category. The report category describes whether the contract information file corresponds to addition of new data, correction of existing data, or deletion.

  The registered data holding unit 34 holds a copy of the customer contract information registered in the credit information agency server 14. The contract information held is hereinafter referred to as “contract information master”.

  The registration / update determination unit 24 registers or updates the contract information master based on the contract information file transmitted from the main system 121 of the money lender. The registration / update determination unit 24 searches the master for a record corresponding to the contract information file based on the name of the contractor. If the record corresponding to the contract information file exists in the master, the record is updated, and if there is no corresponding record, the record is newly registered in the contract information master. Note that this determination may be performed according to the above-mentioned report category. The contract information master is prepared for each money lender.

  The overdue determination unit 26 determines whether or not the loan contract is overdue based on the contract information file. The processing in the overdue determination unit 26 will be described in detail with reference to the flowcharts of FIGS.

  Subsequently, the report file creation unit 30 determines to which credit information institution the received contract information file is a report, and generates a report file including data items requested by each credit information institution from the common format. create. This process will be described later with reference to FIG. The report file creation unit 30 also performs conversion of differences in product codes and contract classifications, conversion of character codes, and the like in accordance with the regulations of each credit information agency. The created report file is sent to the transmission timing determination unit 32.

  The transmission timing determination unit 32 temporarily holds the created transmission file for each credit information institution at the destination, and determines the timing to transmit to the server 14 of each credit information institution. This is performed to absorb the difference between the reception time of the contract information file by batch processing and the receivable time at each server. When the desired timing is reached, the transmission timing determination unit 32 broadcasts the report files accumulated so far to the servers 14 of the respective credit information institutions via the transmission unit 33. The transfer timing can be determined under any of the following conditions. That is: 1. When the number of temporarily stored report files reaches the specified number 2. When the predetermined number of report files for the same contractor has been reached, When the predetermined time comes.

  The registration result receiving unit 36 receives a registration result file notifying that the registration of the report file is completed from the server 14 of each credit information organization, and confirms whether the registration result is normal or an error. If the registration result is normal, the registration result file contains a message indicating that the registration is successful. The registration result receiving unit 36 changes the contract status of the contract information master in the registered data holding unit 34 from “in process” to “reported”, and also reports the matters reported to the credit information agency to the registration result file. After being added, the data is transmitted to the operation terminal 12 that is the transmission source of the report file via the backbone system 121 of the money lender. If the registration result is an error, the registration result file includes a message indicating that the registration has failed and the information reported to the credit information agency. The registration result receiving unit 36 transmits this registration result file to the operation terminal 12 that is the transmission source of the report file via the main system 121 of the money lender.

  The compulsory modification determination unit 38 receives an instruction to forcibly modify the contents of the contract information recorded in the credit information agency from the operation terminal 12 via the backbone system 121 of the lender, regardless of the transmission of the contract information file. . The report file creation unit 30 creates a report file corresponding to this.

Next, each block in the inquiry unit 40 will be described.
The query acquisition unit 42 acquires a query for referring to the credit information of the customer with respect to the credit information institution stored in the backbone system 121 of each money lender. At this time, queries for a plurality of credit information institutions may be acquired simultaneously or separately. The query includes the name, date of birth, telephone number, address, etc. of the person to be referred.

  The inquiry search unit 44 determines whether to pass the query to the server 14 of the credit information institution or to process the information in the information institution mediating apparatus 10. For example, a query for the same customer may be issued continuously from a plurality of operation terminals of different money lenders in a short period of time. In such a case, if an answer can be made based on the data held in the intermediary device, it is processed internally and returned to the operation terminal via the backbone system without inquiring of the credit information agency. As a result, the response time is shortened and the connection fee to the credit information agency is reduced.

  The query search unit 44 refers to the query result holding unit 52 and confirms whether there is a query result for the person queried by the query. If there is a query result, refer to the recording date and time. If the recording date / time is within a predetermined validity period, for example, within 24 hours before the query is received, the query return unit 46 stores the query result holding unit 52 in the query result holding unit 52 without passing the query to the server 14 of the credit information agency. The inquiry result is sent to the operation terminal 12 via the backbone system 121. When the recording date and time is 24 hours or more before the receipt of the query, or when the query result does not exist in the query result holding unit 52, the query search unit 44 sends the query to the server 14 of the credit information agency. Judgment is made and the query is passed to the inquiry file creation unit 48. In addition, the above-mentioned effective period can be set to a different value, for example for every money lender.

  When one or more of the query data item and the query result data item (for example, name, date of birth, telephone number) match, the query search unit 44 determines that they are the same person.

  The inquiry result holding unit 52 holds an answer to an inquiry sent to the information agency intermediary device 10 from the credit information agency server 14 in the past. This answer is held in the inquiry result holding unit 52 for a predetermined period. This period may coincide with the above-described effective period.

  The inquiry file creation unit 48 converts the query sent from the operation terminal 12 into an inquiry file having a predetermined format requested by each credit information agency server. The conversion mechanism is the same as that of the report file creation unit 30.

  The order determination unit 50 temporarily holds a plurality of inquiry files. Then, the priority order of the inquiry files is determined, and the inquiry files are transmitted to the credit information institution server 14 via the transmission unit 53 in accordance with the order. As an example, the order determination unit 50 prioritizes the real-time query over the batch query. The real-time inquiry is an inquiry that is made from time to time from the operation terminal 12 of the money lender, and the batch inquiry is a large amount of inquiry that is periodically made from the operation terminal 12 at predetermined intervals. By doing so, it is possible to prevent a delay in answering a real-time inquiry from the operation terminal.

  The inquiry result receiving unit 54 receives the answer file from the credit information institution server 14 for the inquiry file, stores the answer in the inquiry result holding unit 52, and stores it in the operation terminal 12 via the backbone system 121 of the money lender. Send.

  FIG. 3 shows data 80 included in the contractor specification format of the contract information file and data 82 included in the common format. “Principal information” includes information for identifying a person such as the name, address, and telephone number of the contractor. The “contract information” includes information on a loan contract such as a contract type, a contract date, a repayment date, and the like, and a report destination credit information organization name. “Balance information” includes a borrowing balance and the like. The “spouse information” includes the name of the contractor's spouse. The “joint guarantor information” includes the name, address, telephone number, etc. of the joint guarantor. The “payment history information” includes a deposit history such as a scheduled deposit date and a deposit date, and a deposit status. The deposit status is a flag indicating three states of “normal”, “due overdue”, and “resolved overdue”. “Transfer information” is information such as whether or not an immunity is determined by the Civil Rehabilitation Law or the Bankruptcy Law. The “vendor specific area” is an area in which data that is not included in the above items is stored among data used for determination unique to each vendor.

  As described above, since the vendor specification format is unique to the money lender system, the order of the data items and the method of dividing the items differ for each money lender. In order to absorb this difference, the contract information file is processed in the common format in the information agency mediating apparatus 10. The common format includes data items other than the vendor specific information in the vendor specification format data 80.

  FIG. 4 is a diagram for explaining the detailed functions of the file capturing unit 22. The file fetching unit 22 has a function of fetching a contract information file in a merchant specification format from the main systems 121a to 121c of each money lender and converting a different merchant specification format into a common format for each money lender.

  The file capture unit 22 includes a file sorting unit 23 and a format conversion unit 25. The format conversion unit 25 includes conversion modules 25 a and 25 b that convert the format 60 a and 60 b of the contract information file adopted in the main system of each money lender connected to the information agency intermediary device 10 into the common format 70. This conversion module is prepared for each money lender. The file distribution unit 23 determines whether the contract information file imported from the main systems 121a to 121c of each money lender is in the supplier specification format or the common format. As shown in FIG. 4, the file distribution unit 23 converts the vendor specification format 60a imported from the backbone system 121a and the vendor specification format 60b imported from the backbone system 121b to conversion modules 25a and 25b corresponding to the respective lenders. hand over. The format conversion unit 25 passes the common format 70 converted by each conversion module to the subsequent registration / update determination unit 24.

  The contract information file is allowed to be transmitted in a common format from the operation terminal via the backbone system. Therefore, for example, when the common format 70 of the contract information file is fetched from the core system 121c, the file distribution unit 23 passes the common format to the subsequent registration / update determination unit 24 without performing any processing.

  The format conversion unit 25 converts the supplier use format into a common format. At this time, items that do not exist in the common format among the data items included in the supplier use format are deleted. Data items that are included in the common format but not included in the vendor use format are set to blanks. Instead of setting it to blank, the format conversion unit 25 searches for information for the same contractor from the contract information master of the registered data holding unit 34, searches for the data item corresponding to the missing part, and inputs it to the common format. You may make it do.

  Thus, by providing the file capturing unit 22 with a conversion module that converts a format different for each money lender into a common format, each money lender need not have a function of creating a common format in its own system. In addition, by preparing a conversion module for each supplier, when connecting a new lender's backbone system to the information agency intermediary device, it is only necessary to add a conversion module corresponding to the supplier to the format converter 25. Can respond. Furthermore, by providing the file distribution unit 23 so as not to process the common format, it is possible to process even if the vendor-specific format and the common format are mixedly captured.

  FIG. 5 is a diagram illustrating detailed functions of the report file creation unit 30. The report file creation unit 30 converts the contract information file in the common format into a file in a format requested by each credit information agency.

  The report file creation unit 30 includes a report destination determination unit 28 and editing modules 31d and 31e corresponding to each credit information organization. The report destination determination unit 28 identifies the report destination of the contract information file and passes it to the corresponding credit information organization editing modules 31d and 31e. The editing modules 31d and 31e convert the contract information file in the common format into a format required by each credit information organization. For example, the D credit information authority requests the contract information file in the form of a single report file, while the E credit information authority requests only the information relating to the balance among the data items of the contract information file in one file. Suppose that you request the data item in the form of a separate file. In this case, the editing engine module 31d for the D engine creates a single report file 72 for the D engine from the common format, and the editing module 31e for the E engine uses the balance file 76 for the E engine and the other contract content file 74. Create

  As described above, by providing the report file creation unit 30 with the editing module for converting the contract information file in the common format into a different format for each credit information organization, it is possible to create a report file for a plurality of credit information organizations. In addition, by preparing an editing module for each credit information institution, when the new credit information institution server is connected to the information institution intermediary device, the edit module corresponding to the credit information institution is sent to the report file creation unit 30. Just add it.

  FIG. 6 is a flowchart for explaining the operation of the reporting unit 20 of the information agency mediating apparatus 10. First, the file take-in unit 22 takes in the contract information file from the main system of each money lender (S10). The registration / update determination unit 24 determines whether the content of the contract information file is a new registration or an update of existing contract information, and creates or updates data in the contract information master (S12). The arrears determination unit 26 determines whether there is a change in the deposit status based on the contents of the contract information file. If there is a change, the status of the contract information master is changed (S14). The report file creation unit 30 creates a report file from the contract information file to each credit information organization (S16). The transmission timing determination unit 32 transmits the report file in accordance with the file reception timing in the server 14 of each credit information organization (S18). The registration result receiving unit 36 receives the credit information registration result from the server 14 of the credit information institution, records the contents in the registered data holding unit 34 (S20), and further displays a message indicating that the registration is completed by the lender. The data is transmitted to the operation terminal 12 via the backbone system (S22).

  FIG. 7 is a flowchart for explaining the operation of the inquiry unit 40 of the information agency mediating apparatus 10. First, the query acquisition unit 42 receives an inquiry query from the main system 121 of each money lender (S30). The query search unit 44 compares the received query with the query result in the query result holding unit 52, and checks whether there is a query result within the expiration date for the same person (S32). If there is an inquiry result, the inquiry return unit 46 sends the result to the operation terminal 12 of the money lender. Subsequently, the inquiry file creation unit 48 creates an inquiry file of a format corresponding to the credit information organization that is the inquiry destination from the query (S34). When there are a plurality of inquiry files, the order determination unit 50 transmits the inquiry files to the credit information institution server 14 in an appropriate order (S36). The query result receiving unit 54 receives the query result for the query and records it in the query result holding unit 52 (S38). Further, the inquiry result is transmitted to the operation terminal 12 through the main system of the money lender (S40).

FIG. 8 is a flowchart for explaining overdue determination in the overdue determination unit 26. The arrears determination unit 26 confirms the scheduled deposit date and the borrowing balance in the contract information file (S50). Further, the transfer information in the contract information file is referred to (S52). This transfer information includes the results of bankruptcy immunity and the status of civil rehabilitation. Subsequently, the overdue determination unit 26 determines whether or not the following equation holds.
Expected deposit date + N <processing date (1)
Here, the processing date is the date on which delinquency determination is performed, and N is a grace period (for example, 3 months) until it is determined to be delinquent. The grace period may be different depending on the money lender, and the arrears determination unit 26 uses a predetermined period according to the money lender who is the sender of the contract information file. When Formula (1) is not established (N in S54), this flow is finished.

  When Expression (1) is established (Y in S54), the overdue determination unit 26 determines whether or not the borrowing balance exceeds a predetermined amount, for example, 1000 yen (S56). If it exceeds 1000 yen (Y in S56), the overdue determination unit 26 determines whether or not an exemption permission is granted based on the transfer information (S58). If the immunity is not granted (N in S58), the overdue determination unit 26 determines that overdue has occurred (S60), and sets the deposit status in the contract information file and the contract information master to “overdue” (S62). When the borrowing balance is 1000 yen or less (N in S56) and when the waiver is permitted (Y in S58), this flow is terminated.

  FIG. 9 is a flowchart for explaining overdue cancellation determination in the overdue determination unit 26. The arrears determination unit 26 confirms the payment date, the payment status, and the transfer information in the contract information file (S70). Then, it is determined whether or not the deposit status is “arrears” (S72). If it is not “overdue” (N in S72), this flow ends. When it is “paid” (Y in S72), the overdue determination unit 26 determines whether or not the payment date is blank (S74). If there is an input on the payment date (N in S74), it is further confirmed whether or not an exemption is granted based on the transfer information (S76). If the waiver is not permitted (N in S76), the overdue determination unit 26 determines that the overdue has been resolved (S78), and sets the deposit status of the contract information file and the contract information master to “delayed overdue” (S80). If the payment date is blank (Y in S74) or if the waiver is permitted (Y in S76), this flow ends.

  As described above, according to the present embodiment, an intermediary device to a credit information agency that executes contract information reporting and credit information update from a money lender is provided as a core system of a money lender and a credit information agency. I placed it between servers. As a result, it is possible to reduce the system construction burden for the money lender to connect the company system to the server of the credit information agency.

  In addition, in order to absorb the format of the contract information file that is different for each system adopted by the money lender, the file import unit is provided with a conversion module for converting the format into a common format. Therefore, the money lender does not need to modify its own system so that the contract information file can be transmitted in a common format. Furthermore, the information agency intermediary apparatus can cope with the addition of a conversion company only by adding a conversion module when adding a money lender. Therefore, the cost burden can be reduced.

  Moreover, since the overdue determination part 26 can set the grace period with respect to a payment scheduled date for every money lender, the difference in the concept of arrears for every money lender can be reflected.

  The present invention has been described based on some embodiments. It is understood by those skilled in the art that these embodiments are exemplifications, and that various modifications can be made to combinations of the respective constituent elements and processing processes, and such modifications are also within the scope of the present invention. By the way.

  It should also be understood by those skilled in the art that the functions to be fulfilled by the constituent elements described in the claims are realized by the individual functional blocks shown in the present embodiment or their linkage.

  In the embodiment, the configuration in which the main system of each money lender is connected to the information institution brokerage device has been described. However, the present invention is also applicable to the configuration in which the operation terminal of each money lender is directly connected to the information institution brokerage device. Is possible. In this case, the file capturing unit or the query acquiring unit is configured to receive the contract information file or the inquiry query directly from the operation terminal of each money lender. The registration result receiving unit or the inquiry result receiving unit is configured to transmit a registration result file or an inquiry response file directly to the operation terminal of each money lender.

1 is an overall schematic diagram of a credit information management system according to an embodiment of the present invention. It is a functional block diagram which shows the detailed structure of the information organization mediation apparatus of FIG. It is a figure which shows the data contained in a contractor use format among contract information files, and the data contained in a common format. It is a figure explaining the detailed function of a file taking-in part. It is a figure explaining the detailed function of a report file preparation part. It is a flowchart explaining operation | movement of the reporting unit of an information organization mediation apparatus. It is a flowchart explaining operation | movement of the inquiry unit of an information organization mediation apparatus. It is a flowchart explaining the overdue determination in an overdue determination part. It is a flowchart explaining the overdue cancellation determination in an overdue determination part.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 Information agency intermediary device, 12 Operation terminal, 14 Server, 20 Report unit, 22 File capture part, 23 File distribution part, 24 Registration / update determination part, 25 Format conversion part, 26 Late decision part, 28 Report destination judgment part 30 Report file creation unit, 31 Editing module, 32 Transmission timing determination unit, 34 Registered data holding unit, 36 Registration result reception unit, 38 Forced correction determination unit, 40 Query unit, 42 Query acquisition unit, 44 Query search unit, 46 inquiry return section, 48 inquiry file creation section, 50 order determination section, 52 inquiry result holding section, 54 inquiry result receiving section, 60 supplier specification format, 70 common format, 72 report file, 74 contract content file, 76 balance file, 100 letters Information management system.

Claims (8)

A device connected to a plurality of computer terminals operated by a money lender and a server operated by a credit information organization that manages contractor's credit information, collects loan contract information and reports to the server,
A file capture unit that captures a loan contract information file that is input through the computer terminal and includes a plurality of data items related to a loan contract;
Based on the contract information file, a report file creation unit that creates a report file composed of data items requested by the credit information agency server;
A transmission unit for transmitting the created report file to the server;
A registration result receiving unit that receives data items registered or updated in the server according to the report file from the server;
A registered data holding unit for holding a copy of the registered or updated data item;
A credit information agency intermediary device comprising:   The said file taking-in part is further provided with the format conversion part which converts the loan contract information file produced in the format which is different for every said money lender into a predetermined common format, The Claim 1 characterized by the above-mentioned. Credit information agency intermediary device.   The contract information file includes, as data items, a scheduled payment date of an amount to be repaid according to a loan contract and a borrowing balance of the loan contract, and the capture date of the contract information file is the payment schedule. A delinquency determination unit that determines that the loan contract related to the contract information file is overdue on the condition that a predetermined number of days have elapsed since the date and the borrowing balance is equal to or greater than a predetermined amount. The credit information agency intermediary device according to claim 1 or 2.   The contract information file includes, as data items, a payment date that is a date when payment from the contractor is made, and status information indicating whether the loan contract is overdue, Determining that the overdue of the loan contract related to the contract information file has been resolved on the condition that the date is input on the payment date of the contract information file when the status information is set to be overdue The credit information agency intermediary device according to claim 3, wherein   5. The transmission timing determination unit according to claim 1, further comprising a transmission timing determination unit that temporarily holds a plurality of report files and transmits the report files at a time specified by a server of the credit information agency. The credit information agency intermediary device described.   6. The credit information agency intermediary device according to claim 1, wherein the report file creation unit further includes an editing unit that creates the report file in a format requested by each of a plurality of credit information agencies. . A plurality of computer terminals operated by a money lender;
A server operated by a credit information agency that manages the contractor's credit information;
A credit information agency intermediary device connected to the computer terminal and the server, collecting loan contract information and reporting to the server;
The credit information agency intermediary device is:
A file capture unit that captures a loan contract information file that is input through the computer terminal and includes a plurality of data items related to a loan contract;
Based on the contract information file, a report file creation unit that creates a report file composed of data items requested by the credit information agency server;
A transmission unit for transmitting the created report file to the server;
A registration result receiving unit that receives data items registered or updated in the server according to the report file from the server;
A registered data holding unit for holding a copy of the registered or updated data item;
A credit information management system comprising: It is connected to a plurality of computer terminals operated by a money lender and a server operated by a credit information organization that manages contractor's credit information, and is executed by a computer that collects and reports the loan contract information to the server. A program,
A function of inputting a loan contract information file including a plurality of data items relating to a loan contract, which is input through the computer terminal;
Based on the contract information file, a function to create a report file consisting of data items requested by the credit information agency server;
A function of transmitting the created report file to the server;
A function of receiving from the server data items registered or updated in the server according to the report file;
A function of recording a copy of the registered or updated data item in a memory;
A program characterized by realizing.

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