JP2014071532A - Personal credit information providing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a personal credit information providing device which allows a credit card holder to check his/her own personal credit information and to judge the personal credit information objectively.SOLUTION: A personal credit information providing device comprises: personal credit information acquiring means which acquires personal credit information consisting of a plurality of items including credit history; score calculation means which calculates a credit score value as a deviation of the acquired credit history; recording means which, according to calculation standards for the credit score value, records advice information to increase the credit score value; evaluation means which, according to the calculation standards for the credit score value, evaluates the acquired credit history; and advice extraction means which, on the basis of an evaluation result by the evaluation means, extracts the advice information to increase the credit score value, according to the calculation standards for the credit score value.

Description

  The present invention relates to a system for evaluating and providing personal credit information, and more particularly, to a personal credit information providing apparatus for presenting an evaluation result of personal credit information acquired from the outside to a user in an easy-to-understand manner.

In the past, confirmation of the creditworthiness of individuals has been carried out when applying for a credit card or various loans. For example, in patent document 1 (Japanese translations of PCT publication No. 2002-515991 gazette), the process of the application with respect to the goods and services which a financial institution provides is streamlined, many processes in an examination and approval process are automated, and an applicant's credit (credit). A comparison of past creditworthiness based on the score, financial information, and any new or existing business relationship with the financial institution, if any An automated online review execution method has been proposed that recommends a credit limited offer and ensures that the required operational (credit / debt) policy is properly completed.

  Also, in the past, a system for disclosing personal credit information provided to a credit information institution in which personal credit information provided to a financial institution or the like as described above can be confirmed by itself is also disclosed in Japanese Patent Application Laid-Open No. 2011-151620. -76143). In this patent document 2, a credit card issuing company that a user who has been refused a loan or whose use of a credit card is restricted provides to a credit information agency. In consideration of the case of wanting to know whether or not, the same information as the personal credit information provided and registered with the credit information agency is simply disclosed to the credit card owner.

  Specifically, a reception unit that receives input of credit card usage record data and card holder attribute change data, a first storage device that stores the use record data and attribute change data received by the reception unit, Personal credit information transmitting means for generating report data based on the usage record data and attribute change data stored in the first storage device at a timing, and transmitting the report data to the credit information institution together with the identification information of the card holder, A second storage device capable of storing report data transmitted to the credit information institution by the personal credit information transmitting means; the credit information institution when the credit information institution determines that the report data contains an error Error receiving means for receiving error data transmitted from the receiver, and the error receiving means If the error data is not received, the report data transmitted to the credit information agency is stored in the second storage device, and the error data is received by the error receiving means, A system for disclosing personal credit information provided to a credit information institution comprising control means for controlling the second storage device so that the report data transmitted to the credit information institution is not stored in the second storage device. Proposed.

JP 2002-515991 A JP 2011-76143 A

  As mentioned above, personal credit information is used when receiving loans from financial institutions and applying for credit cards, and what kind of information does my credit information provide to credit information institutions. In consideration of the case of wanting to know whether or not a credit card is provided, a system is also provided to easily disclose to the credit card holder the same information as the personal credit information provided and registered with the credit information agency by a specific credit card company. Has been.

  However, the same information as the personal credit information acquired by the user who is the owner of the credit card can easily determine the credit level if an expert in the field sees it, but for users who do not have specialized knowledge, The fact is that it is impossible to judge the acquired information.

  Therefore, in the present invention, it is a first problem to provide a personal credit information providing apparatus that allows a credit card owner to confirm his / her personal credit information and objectively determine his / her personal credit information. To do.

  In addition, in the past, advertisements such as various types of preferential campaigns have been carried out according to personal credit information. For example, a financial institution such as a bank may require a lending interest rate according to personal credit information, and a user with a high credit rating may lend at a low interest rate. On the other hand, such loan interest information is information held by each financial institution, and even if you know your personal credit information, you cannot determine the interest rate when you actually borrow. .

Therefore, the present invention can provide appropriate advertising information according to the personal credit information of the individual, and can further know what interest rate can be borrowed from the financial institution with the personal credit information of the personal Providing a credit information providing apparatus is a second problem.

  In order to solve at least one of the above-mentioned problems, the present invention displays personal credit information in an easy-to-understand manner, adds advice for enhancing the personal credit information, and more preferably, an advertisement that has a credit rating based on the personal credit information. An apparatus for providing personal credit information that can be provided is provided.

  That is, the present invention is a personal credit information providing apparatus that acquires personal credit information related to a card holder (a credit card holder) and displays additional information related to the personal credit information. Credit information according to the credit score value calculation means, personal score information acquisition means for acquiring personal credit information comprising a plurality of item information, score calculation means for calculating a credit score value that is a deviation value of the acquired credit history, A recording means for recording advice information for increasing the score value, an evaluation means for evaluating the acquired credit history in accordance with a calculation standard for the credit score value, and a calculation standard for the credit score value based on an evaluation result by the evaluation means Advice to increase the score according to Providing personal credit information providing apparatus comprising an advice extracting means for extracting.

  The personal credit information acquisition means acquires personal credit information based on a request or consent from a card holder who is the owner (name holder) of the credit card. When acquiring such personal credit information, the storage means can be searched and extracted based on instruction information input from an input means such as a keyboard, or can be acquired from an external server via a network. . However, since the information acquired by the personal credit information acquisition means is highly confidential information, it is important to confirm that it is the owner (name holder) of the credit card. For example, it is necessary to perform processing such as collating the telephone number on condition that the telephone number used for registration of the credit card is transmitted or received.

  When extracting the advice information, items constituting the acquired personal credit information, in particular, information on repayment history, contract account balance, contract account holding history, inquiry history, for example, are determined by comparison with a reference value, and a credit score value It is desirable to extract advice for raising the value in relation to the calculation standard.

  That is, in the personal credit information providing apparatus, the recording means also records information serving as a reference for each item of personal credit information, and the evaluation means includes information on each item of the acquired personal credit information and Also provided is a personal credit information providing apparatus for comparing and evaluating average information for each item of personal credit information recorded in the recording means.

  The credit score can be calculated based on the credit history. That is, the credit history is a repayment history, and a credit score can be obtained by adding a score or a deviation value to the history.

And in the said personal credit information provision apparatus, the said credit history can contain the information regarding the following (1)-(4).
(1) “Contract type information” such as credit card, individual item installment or unsecured loan
(2) “Remaining bond amount information”, which is the total amount of current borrowings
(3) “Repayment status information” indicating whether the loan is being repaid smoothly or overdue
(4) “Payment status” indicating monthly payment status

  Although the credit score involves various information of the repayment history, it can be roughly calculated by the following five elements. In other words, the advice information recorded in the recording means and the evaluation of the credit score by the evaluation means can be implemented from the following viewpoints.

"Deposit information"
It is the past payment history of credit cards and loans. It is information that allows you to understand all the payment habits of individuals, such as whether payment is within the due date, how many days if payment is late, how many accounts are late, etc. Payment delays can be divided into 30 days, 90 days, and more. Delays within 30 days do not affect the credit score so much, but when 90 days are reached, they will have a significant effect. The number of payment delays also affects the credit score. In either case, if you make all payments every month and keep doing it all the way, your credit score will not be adversely affected. Such deposit information can be considered with a weight of about 35% when calculating the credit score.

"Loan balance"
In calculating a credit score, how much money is borrowed is also an important factor. Although borrowing a large amount does not necessarily cause a low credit score immediately, borrowing a large amount from a number of accounts (credit cards, installments, etc.) will have a significant impact. If you make a lot of credit cards and have a balance, it will be a factor to lower the credit score. Also, borrowing the full amount of borrowing can cause the credit score to drop. If there are two or more credit cards that are used up to the limit, the credit score will be worse. This is because it is thought that future repayments may not be possible if it is determined that the debts will be placed one after another. On the contrary, when the balance of installment payment is reduced with respect to the borrowed amount, the credit score is improved (high). For example, if you borrow 10,000 dollars in a car loan, return 8,000 dollars, and then only $ 2,000, the credit score will be better than immediately after borrowing. This is because if the borrowing balance is reduced by prepayment, etc., it will also show an attitude of positively returning the debt. Such deposit information can be considered with a weight of about 30% when calculating the credit score.

"Credit history period"
When calculating the credit score, if there is no particular problem with the credit history, the longer the recorded period, the better the credit score. This is because the money can be managed without problems during the period, and the lender can lend money with peace of mind. Also, not only the overall record length, but also the duration of each contract affects the credit score. The credit score is higher if you use one card all the time, rather than changing one after another. Accounts that are dormant no matter how long the period is, are not eligible. Such deposit information can be considered with a weight of about 15% when calculating the credit score.

New credit
When a credit score is calculated, a new credit card or the like is also affected. This is because it is judged that there is a high risk in borrowing, etc. if you make many cards or apply for installments in a short period of time. The number of inquiries to the personal credit information agency also affects the credit score. For example, when applying for a credit card, a card company (card issuing company) inquires of a personal credit information agency about disclosure of a repayment history, and this inquiry itself is recorded as personal credit information as a history. If a card company refuses issuance and you apply to another card company, where issuance is denied and you apply to another card company, credit information that manages credit information This is because the number of inquiries to the institution increases more and the credit score becomes even lower. Such deposit information can be considered with a weight of about 10% when calculating the credit score.

"Credit types and combinations"
In calculating the credit score, what kind of debt is incurred has an effect when there is little information on the items listed above. Debt types include, for example, credit cards, installments (retail stores and insurance), consumer loans, and mortgages. Not all types are necessary, but if the combination is unbalanced, it is judged that there is a high risk in consumer lending. Such deposit information can be considered with a weight of about 10% when calculating the credit score.

In the present invention, the score calculation means is calculated based on the following requirements (A) to (D), and the advice information recorded in the recording means corresponds to the requirements (A) to (D). A personal credit information providing device that is advice information is provided.
(A) Repayment history consisting of information on past payment history of credit card and loan (B) Contract account balance consisting of information on how much money has been borrowed (C) Contract account holding history consisting of information of recorded period (D) Inquiry history consisting of information on whether or not a new credit card has been made

  In calculating the credit score, for example, a Global FICOR (registered trademark) score for calculating the creditworthiness of the borrower based on information provided by a credit information organization, which is a kind of credit information score, can be used.

  In the personal credit information providing apparatus, the storage unit holds advertisement information held in association with the score value, and further extracts the advertisement information from the score value calculated by the calculation unit. An apparatus for providing personal credit information provided with interest information extraction means is provided.

  Such advertisement information is desirably advertisement information associated with at least personal credit information. For example, an advertisement relating to acceptance of a loan at a financial institution, an advertisement relating to insurance, or an advertisement relating to lending such as lease of goods or real estate can be considered.

In addition, the present invention provides a program for executing the above-described processes on a computer to solve the above problems.
That is, a personal credit information providing program that is executed on a computer, acquires personal credit information about a card holder, and displays additional information related to the personal credit information.
A personal credit information acquisition step for acquiring personal credit information including a plurality of item information including a credit history;
A score calculation step for calculating a credit score value which is a deviation value of the acquired credit history;
An evaluation step of evaluating the acquired credit history according to a calculation criterion of a credit score value;
Based on the evaluation result by the evaluation means, the recording means for recording advice information for increasing the credit score value according to the credit score value calculation standard is searched, and the score value is increased according to the credit score value calculation standard. A personal credit information providing program characterized by executing an advice extraction step for extracting advice information.

  According to the personal credit information providing apparatus according to the present invention, advice information can be added to provide personal credit information in an easy-to-understand manner. Therefore, even a user who does not have specialized knowledge can use a credit card. Owners can confirm their personal credit information and can objectively determine their personal credit information.

  In addition, when the storage means includes advertisement information held in association with the score value, and further includes interest rate information extraction means for extracting the advertisement information from the score value calculated by the calculation means, the user Can acquire advertising information that matches their credit information, such as interest rate preferential information, etc., so that it is possible to obtain useful information for users, and for advertisers to perform targeted and efficient advertising. Can do.

Overall configuration diagram of personal credit information providing system according to the present embodiment Sequence diagram in the personal credit information providing system according to the present embodiment Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Drawing showing items and contents included in personal credit information Screen showing the personal credit information report form Screen showing the personal credit information report form Screen showing the personal credit information report form Screen showing the personal credit information report form Screen showing advertising information for card loans at financial institutions The block diagram which shows the hardware constitutions of the said personal credit information provision server which concerns on this Embodiment

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.
FIG. 1 is a schematic diagram showing the overall configuration of a personal credit information providing system configured using the personal credit information providing apparatus according to the present embodiment. As shown in this figure, the personal credit information providing system according to the present embodiment processes the acquired personal credit information as a graph or an average value, and also provides advice information that is an explanation of the personal credit information. The personal credit information providing device (hereinafter referred to as the personal credit information providing server 10) as a server that creates an output format by adding a personal credit information to the personal credit information providing device. A client 20 that requests disclosure and processing of personal credit information, a credit information agency server 30 that provides personal credit information (base data) to the personal credit information providing device, and accepts advertisements according to requests from users It is comprised with the advertiser server 40 to implement.

  As a flow of the entire personal credit information providing system, the personal credit information providing server 10 acquires personal credit information (basic data) related to the user from the credit information institution server 30 in response to a request from the client 20 terminal by the user. The acquired personal credit information is processed by the personal credit information providing server 10 and can be provided to the client 20 terminal. These series of flows can be performed, for example, via an information communication network.

  FIG. 2 is a sequence diagram showing a flow of processing in the personal credit information providing system. Therefore, the process in the personal credit information providing system will be specifically described below with reference to FIG.

  In this processing, application information for requesting data processing in the personal credit information providing server 10 is transmitted from the client 20 terminal operated by the user. At the time of this application, a personal identification number is acquired from the credit information institution server 30 at the same time as or before the access to the personal credit information providing server 10. For such identity verification, for example, by accessing the credit information institution server 30 from a telephone number registered when a credit card is issued, a unique code associated with the telephone number can be acquired.

  Then, the acquired code for identity verification is transmitted to the personal credit information providing server 10 together with application information in the user terminal such as name, address, telephone number, credit card number and the like.

  When the personal credit information providing server 10 accepts the application information, the personal credit information providing server 10 sends the entire credit card information and at least a credit card number and a verification code to the credit information institution server 30 to inquire the personal credit information. . If the transmitted information is appropriate (that is, matches the registered information), the credit information institution server 30 transmits the personal credit information related to the application to the personal credit information providing server 10 to provide the personal credit information. The server 10 receives this.

  The personal credit information acquired by the personal credit information providing server 10 may be composed of, for example, items shown in FIGS. Specifically, as information indicating the contents and payment status of the contract with the credit company or the like by the user, for example, the credit card registration company, the expiration date, the information provided to the credit company by the user at the time of the contract (FIG. 3), information on the contract (FIG. 4), information on payment (FIG. 5), registration contents of installment sales method (FIG. 6), registration contents of money lending business law (FIG. 7), and payment status (FIG. 8). In addition, when a user makes a new application for credit or loan, application information (FIG. 9), which is information accessed by a credit company to investigate payment ability, a record of access to the user's information by the credit company, etc. A certain usage record (FIG. 10) and personal information submitted by the user and reference information (FIG. 11), which is information requested by the Money Lending Association, can be included. The item names and positioning of each information are as shown in the drawing.

  The personal credit information providing server 10 uses the personal credit information received from the credit information institution server 30 as basic data, extracts information (items) for calculating a credit score from the data, and the calculation logic is executed by the program. The credit score is calculated by the controlled central processing unit (CPU).

  Furthermore, the personal credit information providing server 10 reads information such as numerical values in the acquired personal credit information and converts it into a graph, a table, or the like. In addition, it is possible to create an individual credit information report form that displays an average value for all or any item of the acquired personal credit information and thereby enables the user to confirm the position of the personal credit information. . For example, as shown in FIG. 12, the personal credit information report form displays its own credit score so that its position in the whole can be understood, and presents advice based on the credit score, for example, a judgment expectation at a financial institution. I can do things. In addition, it is possible to show evaluation results for the repayment history, contract account balance, contract account holding history, and inquiry history used when calculating the credit score. Furthermore, as shown in FIG. 13, in order to objectively show the result of personal credit information, more specific information such as the contract account balance ratio, contract account usage status, contract account arrears status, etc. together with the graph It can be displayed. Then, in order to objectively indicate where the self credit score is in the general public, as shown in FIG. 14, the self position in the whole can be shown as a graph.

  Further, among the information shown in FIGS. 3 to 11, whether the information that affects the calculation of the credit score satisfies a certain requirement or satisfies a predetermined reference value is stored in the data read into the memory. On the other hand, the comparison is performed under the control of the program. The evaluation of the personal credit information, more specifically, the evaluation of the credit history that affects the credit score can be performed by an evaluation unit including a CPU that operates by controlling the program.

  Based on the evaluation result, the corresponding advice information can be read out from the storage means such as a memory or a disk and added to the personal credit information report form. When extracting such advice information, the average personal credit information data held in the storage means of the personal credit information providing server 10 is compared with each item between the acquired personal credit information and the size of the difference. Advice information can be retrieved, extracted and acquired.

  For example, as shown in FIG. 15, in the calculation of the credit score, advice on an item that causes a decrease in score and advice information on an item that increases a score are extracted, It can be displayed. In this embodiment, the factors that lower the credit score are: “The period since the most recent account was opened is too short” “The ratio of the loan balance to the loan amount is too high” “Attribute information other than personal credit information” “Payment in account” As for the factors that lower the credit score, “There is a credit contract registration of 5 years or more”, “There is no transaction that is currently delayed”, “Multiple credit contracts” Advice information such as “There is registration” has been extracted and acquired. However, the advice information is specifically determined for each item in the acquired personal credit information.

  Personal credit information acquired from the credit information institution server 30 as described above is calculated with a credit score, processed in an easy-to-read manner, and combined with related additional information and advice information to create a personal credit information report form Is done. Note that the credit score is not necessarily calculated by the personal credit information providing server 10, but a result calculated by an external computer, for example, the credit information agency server 30, is obtained and a personal credit information report form is created based on the result. You can also.

  The personal credit information report form created as described above can be transmitted to the client 20 on the user side via an information communication network or the like.

  Furthermore, since the personal credit information report form has been clarified, the personal credit information report form can be used for advertising information having different contents in relation to the personal credit information. FIG. 16 shows card loan advertisement information in a financial institution. In this embodiment, for example, when the credit score is 660, the interest rate information that can be lent by each financial institution is shown, and the number of days until the loan is executed and the amount that can be lent (the amount that can be borrowed) are displayed. Yes. These advertisement information is stored in the storage means in a database format or a file format in association with the credit score value of the financial institution in association with each credit score value, and the credit score is searched as a search key. It can be executed by extracting.

In FIG. 2, the application for use based on this advertisement information is directly connected to the advertisement site. However, by connecting via the personal credit information providing server 10, the financial institution revisits it. The need to obtain personal credit information can be eliminated.
Such advertising information is not limited to financial information, but can be used for other types of advertising information such as person introduction information, leasing of products such as cars, rental information of real estate properties, and the like.

  Furthermore, the personal credit information report form created as described above can be sent to a third party together with the authentication in the personal credit information providing server 10 at the request of the user. As a result, it is possible to evaluate the other party's economic credibility when buying and selling goods between individuals. For example, it is useful for comparing and judging the creditworthiness of the other party in an internet auction or the like that does not directly meet the other party. As described above, when the personal credit information report form is transmitted to a third party, it is naturally necessary to obtain the consent of the user who created the personal credit information report form and the transmission destination.

  Next, an example of a hardware configuration of a computer used as the personal credit information providing server 10 or the client 20 according to the present embodiment will be described based on FIG. However, the computer 500 in FIG. 15 merely exemplifies typical configurations of the personal credit information providing server 10 and the client 2010.

  The computer 500 includes a CPU 501, a memory 502, an audio output device 503, a network interface 504, a display controller 505, a display 506, an input device interface 507, a keyboard 508, a mouse 509, an external storage device 510, an external recording medium drive device 511, and these. These components include a bus 512 that connects these components.

  The CPU 501 controls the operation of each component of the computer 500, controls the execution of each process of the mediation server and each client 20 under the control of the OS, and controls the operation thereof. It corresponds to personal credit information acquisition means, score calculation means, evaluation means, and advice extraction means. The memory 502 is generally composed of a ROM (Read Only Memory) that is a non-volatile memory and a RAM (Random Access Memory) that is a volatile memory, and corresponds to a storage unit. The ROM stores a program executed by the personal credit information providing server 10 executed when the computer 500 is started. In the RAM, the CPU 501 calculates a credit score, evaluates the credit score, extracts a piece of advice information, and data used during execution of the program (for example, from a database or a file system) Read data) is temporarily stored.

  The audio output device 503 is a device that outputs audio, such as a speaker, and the network interface 504 is an interface for connecting to the network 520. A display controller 505 is a dedicated controller for actually processing a drawing command issued by the CPU 501. The drawing data processed by the display controller 505 is once written in the graphic memory and then output to the display 506 as a display unit. The display 506 is a display device configured with, for example, an LCD or a CRT.

  The input device interface 507 receives a signal input from an input / output device such as a keyboard 508, a mouse 509, or a touch pad, and transmits a predetermined command to the CPU 501 according to the signal pattern. A keyboard 508 and a mouse 509 are necessary when executing or operating a program.

  The external storage device 510 is also included in the category of storage means in this specification. The external storage device 510 can be configured by a storage device such as a hard disk drive (HDD). The above-described program and data are recorded in this device, and are loaded from there into the RAM of the memory 502 as necessary at the time of execution. Together with the RAM, it corresponds to the storage means in the present invention.

  The external recording medium driving device 511 accesses a recording surface of a portable external recording medium 530 such as a CD (Compact Disc), an MO (Magnet-Optical Disc), a DVD (Digital Versatile Disc), etc., and is recorded there. It is a device that reads data.

The system for providing personal credit information in an easy-to-understand manner has been described above. However, the present invention is not limited to this embodiment, and can be appropriately implemented within the scope of the present invention. .

  The personal credit information providing apparatus according to the present invention can be used for the user to confirm his / her personal credit information and to obtain information for further enhancing the personal credit information in an easily understandable and accurate manner. .

Various advertisers including financial institutions can also be used as a system for advertising targeted to customers with a specific credit rating.

10 Personal credit information server
20 clients
30 Credit information agency server
40 advertiser server 500 computers

Claims (5)

A personal credit information providing device that acquires personal credit information about a card holder and displays additional information related to the personal credit information.
Personal credit information acquisition means for acquiring personal credit information consisting of a plurality of item information including credit history;
Score calculating means for calculating a credit score value which is a deviation value of the acquired credit history;
In accordance with the credit score value calculation criteria, recording means for recording advice information for increasing the credit score value;
An evaluation means for evaluating the acquired credit history according to a calculation criterion of a credit score value;
An apparatus for providing personal credit information, characterized by comprising advice extraction means for extracting advice information for increasing a score value according to a criterion for calculating a credit score value based on an evaluation result by the evaluation means.
In the recording means, information serving as a reference for each item of personal credit information is also recorded,
The said evaluation means compares and evaluates the information of each item of acquired personal credit information, and the average information about each item of the personal credit information recorded on the said recording means, The evaluation of Claim 1 Personal credit information provision device.
The personal credit information providing apparatus according to claim 1, wherein the credit history includes information on the following (1) to (4).
(1) “Contract type information” such as credit card, individual item installment or unsecured loan
(2) “Remaining bond amount information”, which is the total amount of current borrowings
(3) “Repayment status information” indicating whether the loan is being repaid smoothly or overdue
(4) “Payment status” indicating monthly payment status
The score calculation means is calculated based on the following requirements (A) to (D), and the advice information recorded in the recording means is advice information for the requirements (A) to (D). The personal credit information provision apparatus as described in any one of Claims 1-3.
(A) Repayment history consisting of information on past payment history of credit card and loan (B) Contract account balance consisting of information on how much money has been borrowed (C) Contract account holding history consisting of information of recorded period (D) Inquiry history consisting of information on whether or not a new credit card has been made
The storage means holds advertisement information held in association with the score value,
Furthermore, the personal credit information provision apparatus as described in any one of Claims 1-4 provided with the interest information extraction means which extracts the said advertisement information from the score value calculated by the said calculation means.