JP2017120583A - Automatic credit system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic credit system capable of appropriately grasping liveliness of original service of an enterprise and adequately performing credit.SOLUTION: With an automatic credit system, an application reception unit receives financing application from a business operator, an office supplies transaction information acquisition unit acquires transaction information of office supplies of the business operator managed by an office supplies order receipt management system 20, and a credit index calculation unit 150 calculates a credit index of the business operator based on transaction information of the office supplies. A credit determination unit 170 compares the calculated credit index with an index reference determined by a credit reference determination unit 160 to determine whether credit should be granted or not. Determination results are output to a financial business infrastructure system 30.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit system that generates information for a credit when providing a service on the condition of credit or determines whether to perform credit based on the information. The present invention also relates to an automatic credit system that automatically generates the information or determines the credit by a computer system. In particular, the present invention relates to an automatic credit system suitable for application to credit when providing financial related services such as execution of loans in the field of retail finance for relatively small customers or small loans.

  Managing the credit of customers and business partners in corporate activities is extremely important for maintaining the company and securing profits. In particular, financial institutions investigate and analyze the other party's management status and financial status at the time of loan execution, etc., that is, conduct credit surveys, and set and review credits and credit limits. These are collectively referred to as credit management.) When credit management is poor, bad loans and delinquencies occur, which adversely affects business results. On the other hand, if credit management is too strict, not only will corporate activities become passive and profits cannot be expected, but it will not be able to fulfill its social responsibilities as a financial institution, which is not appropriate.

  Conventional credit surveys for credit management include business activities, business conditions and financial conditions based on business activities, i.e. sales, profits, assets, capital ratios, changes in these ratios, past lending conditions, This is based on repayment status or accident history. In some cases, risk information from external institutions such as credit bureaus may be consulted. However, in these credit management, there are no established indicators or standards. In practice, credit management is performed by changing the indicators and standards according to the occurrence of accidents such as default (default). There are many cases.

JP 2003-122977 A

  On the other hand, for example, in the case of credit for business loans, it may be preferable to provide loans to businesses with active corporate activities from the viewpoint of corporate vitality or activity volume. Various indicators have not been able to fully grasp the activity of such corporate activities, and have been unable to make appropriate loans to businesses that are vibrant and should be active in financing. On the other hand, there were cases where the business activity was stagnant and the situation could not be grasped, resulting in inappropriate financing. Therefore, a credit method or a credit system that can provide an appropriate loan to a company with active business activities is expected. As a prior art of a computer system related to credit management, there is one disclosed in Patent Document 1, for example.

  The present invention has been made in view of such problems, and its purpose is to appropriately grasp the essential activity amount and vitality of a company, and as a result, in financial operations, In particular, it is to provide a credit system capable of appropriately performing credit in the business of retail finance.

The automatic credit system of the present invention is a system realized by a computer system, and is a predetermined condition subject to credit from an operator, which is input via an input means such as a terminal device connected via a network. Accepting an application for providing a service of, for example, an application that is implemented by an interface device (including a case where the terminal device includes a keyboard, a mouse, and other input devices and is itself a single computer) And
Stored transaction information of merchandise including transaction information of at least office supplies of the operator managed by an office supplies order management system which is another computer system connected by a communication network. A transaction information acquisition unit that reads from a device (by an input / output device or a reading device), or obtains it from a communication device via a communication line, or at least one of them,
And a credit index calculation unit configured by a computer for calculating a credit index for the application from the provider based on the acquired transaction information of the product.

Preferably, the automatic credit system of the present invention further includes an SNS write information acquisition unit configured by a computer for acquiring SNS write information,
The credit index calculation unit further calculates a credit index for the application from the operator based on the SNS write information, that is, based on the acquired transaction information of the product and the acquired SNS write information. It is characterized by doing.

Preferably, in the automatic credit system according to the present invention, the transaction information acquisition unit further includes either one of the business item transaction information or the home appliance transaction information managed by the office supplies order management system, or Both are read from the storage device in which the transaction information is stored and / or obtained via a communication line, and / or obtained.
The credit indicator calculation unit is further based on one or both of the transaction information of the household items and the transaction information of the household appliances, that is, the transaction information of the office supplies and the transaction information of the household items, the transaction information of the office supplies. And household appliances transaction information, office supplies transaction information and household items transaction information and household appliances transaction information, office supplies transaction information and SNS write information and household items transaction information, office supplies transaction information and SNS write information And a home appliance product transaction information, or an office supplies transaction information, an SNS write information, a household product transaction information, and a home appliance transaction information, a credit index for the application from the operator is calculated. And

  It should be noted that the information referred to by the credit index calculation unit is listed as described above in order to clarify the interpretation of the claims, and does not specify or limit the information to be referred to. . It does not prevent the credit index calculation unit from referring to other information to calculate the credit index, and such a case is also within the scope of the present invention as long as the above-described information is referred to. . Moreover, the division or definition of office supplies, daily necessities, and home appliances is described in the column of the embodiment of the invention.

Also preferably, the automatic credit system of the present invention is a computer-based credit standard determination unit that determines a credit standard related to the application from the provider,
A credit determination unit configured by a computer for determining whether to give credit to the application based on the calculated credit index and the calculated credit criterion. .

Preferably, in the automatic credit system of the present invention, at least the business operator information of the business operator is read from a storage device in which the business operator information is stored by a readout device, or by a communication device via a communication line. It further has a business information acquisition unit that is acquired or acquired by at least one of them,
The credit standard determining unit determines the credit standard based on the acquired business operator information.

Preferably, the automatic credit system according to the present invention includes an office supplies purchasing risk model storage unit that stores office supplies purchasing risk model information in which transaction information of the product is associated with a probability of occurrence of a predetermined accident in an operator. ,
A risk calculation unit configured by a computer for calculating a probability of occurrence of the accident in the business with respect to the application from the business based on the acquired transaction information of the product. Features.

Preferably, the automatic credit system according to the present invention includes a reputation risk model storage unit storing information of a reputation risk model in which the SNS writing information is associated with a probability of occurrence of a predetermined accident in an operator,
And a risk calculation unit configured by a computer for calculating a probability of occurrence of the accident in the business with respect to the application from the business based on the acquired SNS writing information. To do.

  As a preferred specific example to which the automatic credit system of the present invention is applied, the predetermined service on the condition of credit is a financial related service. Preferably, in the automatic credit system of the present invention, the financial business infrastructure system I / F that outputs the credit index calculated by the credit index calculator to a financial business infrastructure system of a financial institution that provides the financial related service. It further has a means. As a preferred specific example, the financial business infrastructure system I / F means includes the credit index calculated by the credit index calculation unit, the credit standard calculated by the credit determination unit, and the credit determination unit. Any one, two or all of the results of the determination as to whether or not to grant credit for the application in the above are output to a financial business infrastructure system of a financial institution that provides financial related services.

  Particularly preferably, these financial services are loans. The “accident” defined in the risk model or risk calculation unit of the automatic credit system of the present invention means that the repayment of the loan of the business operator is overdue or not executed, An equivalent state occurs, in other words, a so-called default state or default state occurs.

  Such an automatic credit system of the present invention is configured as a computer system. That is, the above-mentioned application reception unit, business operator information acquisition unit, transaction information acquisition unit, SNS write information acquisition unit, various databases and database I / F are communication I / F (interface), I / O as hardware. It is configured by a device I / F, a bus I / F, various peripheral device I / Fs, and the like, and these I / F devices are realized by being controlled by a control unit configured by an arithmetic processing unit or the like. When an arithmetic processing unit or the like is driven by a program stored in advance in a memory or recording device of a computer system, these I / F devices perform a desired operation. As a result, the automatic credit system of the present invention Each unit described above is achieved as one logical module or one component.

  Similarly, the above-described credit index calculation unit, credit reference calculation unit, credit determination unit, and the like are each operated by a computer system arithmetic processing unit or the like being operated by a program stored in advance in a memory or a recording unit or the like. Are implemented on a computer system as one logical module. The computer system referred to here is a system having a general-purpose general-purpose computer configuration, or a system having only a necessary configuration and excluding an uncommon configuration.

  According to the present invention, since an activity state or a business state of a company (operator) can be grasped from a transaction amount of a product including office supplies such as a ballpoint pen and various papers, for example, an essential activity amount of the company As a result, it is possible to appropriately grasp credits in the financial business, particularly in the retail finance business.

FIG. 1 is a block diagram showing the configuration of the retail financial automatic credit system according to the first embodiment of the present invention. FIG. 2 is a diagram showing an example of a conversion table that defines conversion of transaction information into rank values in the retail financial automatic credit system shown in FIG. FIG. 3 is a first flowchart showing credit index calculation processing based on transaction information such as office supplies using the conversion table shown in FIG. It is a 2nd flowchart which shows the calculation process of the credit parameter | index based on transaction information, such as office supplies, using the conversion table shown in FIG. FIG. 5 is a block diagram showing the configuration of the retail financial automatic credit system according to the second embodiment of the present invention. FIG. 6 is a schematic diagram for explaining the contents of the risk model of the office supplies purchase risk model DB provided in the retail financial automatic credit system shown in FIG. FIG. 7 is a schematic diagram for explaining the contents of the risk model of the reputation risk model DB provided in the retail financial automatic credit system shown in FIG.

First Embodiment A first embodiment of an automatic credit system according to the present invention will be described with reference to FIGS.
The automatic credit system shown as the first embodiment is an automatic credit system that determines whether or not to execute a loan when a financial institution or the like receives a loan application from an enterprise such as a company. This is a retail financial automatic credit system suitable for application to so-called retail finance for small customers.

  FIG. 1 is a block diagram showing the overall configuration of the retail financial automatic credit system 10 and another computer system connected to the retail financial automatic credit system 10. As shown in FIG. 1, the retail financial automatic credit system 10 is connected to the office supplies order management system 20 via a network 41, and is connected to the financial business infrastructure system 30 via a network 42.

  The financial business infrastructure system 30 is a computer system provided in a financial institution such as a bank or a credit sales company, and is a core system of a financial institution that performs processing directly related to financial business. The office supplies order management system 20 is a computer system of an office supplies distributor different from a financial institution, and is an order management, inventory management, shipping / purchase management, receipt / payment management, accounting of an office supplies sales company. It is a system that performs processing, sales aggregation, etc.

  In this specification, “office supplies distributor” and “office supplies order management system”, “office supplies transaction information acquisition unit 140”, “office supplies order management system I / F 141” and “office supplies transaction” described later. The name of “DB142” is a configuration in which a business operator such as a company purchases office supplies at least, its order management system, and its I / F part. However, the sales target, order management target, acquired transaction information target, etc. are not limited to “office supplies”. The office supplies distributor in the present specification is a seller who sells various products and services from office supplies to food and drinks and various household items, as well as products such as home appliances, furniture, and vouchers, The office supplies order management system is an order management system that performs order management of all products and services to be sold. The “office supplies transaction information acquisition unit 140”, “office supplies order management system I / F 141”, and “office supplies transaction DB 142”, which will be described later, are used to acquire transaction information on all products and services to be sold. It is a configuration.

  The retail financial automatic credit system 10 is a computer system of the same financial institution as the financial business infrastructure system 30. When a loan application is made by a business operator, the business product of the business operator obtained from the office product order management system 20 is provided. A computer system that performs information processing to determine whether or not to grant credit to the business operator or loan application based on transaction information (transaction data), and outputs the determination result to the financial business infrastructure system 30 is there.

  In this embodiment, the network 41 is the Internet, and the network 42 is an in-company network called an intranet. However, the network 41 may be an intranet and the network 42 may be the Internet, or may be any other form of communication network. In addition, neither of them may be a communication network in a network form connecting multiple nodes, and any communication line using an arbitrary communication system using an arbitrary communication line, that is, an arbitrary transmission path, as long as data communication is possible. Good.

  The retail financial automatic credit system 10 includes an application accepting unit 110, an operator information acquiring unit 120, an office supplies transaction information acquiring unit 140, a credit index calculating unit 150, a credit standard determining unit 160, a credit determining unit 170, and a financial business infrastructure system I. / F180.

  The application accepting unit 110 is an accepting unit that accepts an application for financing from a business operator who desires financing. The application reception unit 110 includes a terminal system 111 in which an input operator (operator) actually performs an input operation for a loan application, and an application reception I / F 112 connected to the terminal system 111 via the network 41.

  The terminal system 111 is an information terminal device that can be used by a loan applicant who is a user of a financial institution. That is, an arbitrary information terminal device such as a personal computer, a dedicated terminal device, or a so-called mobile information terminal such as a smart phone, a tablet terminal, or a small laptop computer can be the terminal system 111 of the retail financial automatic credit system 10. Depending on the form of financial services of the financial institution, a terminal device installed at a branch of the financial institution or an unattended terminal device of a financial institution used by a user may fulfill the function of the terminal system 111.

The loan application input work from the terminal system 111 may be directly input by a business operator who desires a loan. For example, a person in charge of a financial institution facing a business operator at a branch of a financial institution or the like The operation may be performed while confirming the intention.
As described above, the application receiving unit 110 of the retail financial automatic credit system 10 is configured to include a plurality of terminal systems 111 having different types of devices and usage forms.

  The application reception I / F 112 appropriately provides a loan application input environment to each terminal system 111 so that each of the terminal systems 111 can appropriately and easily input a loan application. Specifically, for a certain type of terminal system 111, the application reception I / F 112 (strictly, the retail financial automatic credit system 10 via the application reception I / F 112) operates as an ASP to operate the terminal system 111. A loan application environment is provided to the terminal system 111 in a form in which a Web entry environment for inputting a loan application is realized. Also, for a certain kind of terminal system 111, an application program is installed in the terminal system 111 so that the loan application input is performed through the application program for the loan application input executed on the terminal system 111. , Create a loan application environment.

  The operator, such as the operator or the person in charge of the financial institution, operates the terminal system 111 in which the loan application input environment is set in this manner, and inputs the loan application of the operator. The data that needs to be entered when applying for a loan (including data automatically acquired by the terminal system 111 or its application environment) includes, for example, company ID, application date, loan amount, use of funds, repayment period, loan Information on interest rates. In addition, image data such as a certificate may be taken for matters requiring certification and used as loan application data together with other data.

  When the loan application data is input, the terminal system 111 transmits the loan application data to the application reception I / F 112 via the network 41. Upon receiving the loan application input data (input information) from the terminal system 111, the application reception I / F 112 outputs the received loan application data to the credit standard determination unit 160. Further, the application reception I / F 112 outputs the company ID data of the business operator who applied for the loan to the business operator information acquisition unit 120 and the office supplies transaction information acquisition unit 140.

  The terminal system 111 and the application reception I / F 112 are connected via the Internet (network 41) in the embodiment shown in FIG. 1, but are similar to the connection to the office supplies order management system 20 and the financial business infrastructure system 30. In addition, any communication means may be used as long as communication is possible.

  The company information acquisition unit 120 acquires basic company information of the company based on the company ID of the company that applied for the loan input from the application reception I / F 112 of the application reception unit 110, and obtains credit information. The data is output to the reference determination unit 160.

  In the retail financial automatic credit system 10 of the present embodiment, the business operator information acquisition unit 120 includes a DB I / F 121 and a customer DB 122. The customer DB 122 is a database in which basic company information (company data) of businesses that may receive a loan application, business partners, and many other businesses is recorded. Specifically, the company information stored in the customer DB 122 includes information on the capital, business type, number of employees, location, sales, profit, establishment, etc. of each business operator. The DBI / F 121 reads the basic business information of the corresponding business operator recorded in the customer DB 122 based on the business ID information input from the application reception I / F 112 and outputs the basic business information to the credit standard determination unit 160. .

  The DB I / F 121 also updates company data recorded in the customer DB 122 when set in advance or based on an instruction (control signal) from a management control unit (not shown). In the present embodiment, it is assumed that the financial business infrastructure system 30 includes a customer DB as a master file of the customer DB 122, although not shown. The DBI / F 121 communicates with the financial business infrastructure system 30 via the financial business infrastructure system I / F 180 and the network 42, and updates the customer DB 122 to the latest data as appropriate.

  The customer DB 122 can also be updated based on a provider information DB (corresponding to the customer DB) on a server of an external organization different from the financial institution. In this case, the DBI / F 121 of the provider information acquisition unit 120 also has a network I / F function, and the DBI / F 121 accesses the provider information DB on the server of the external organization via the network 41. The customer DB 122 is updated to the latest data. Such a configuration is preferable because it can prevent the financial business infrastructure system 30 or its customer DB from being loaded.

  Further, regarding the configuration of the provider information acquisition unit 120, the retail financial automatic credit system 10 does not include the customer DB 122, and the retail financial automatic credit system 10 reads the data of the customer DB provided in the financial business infrastructure system 30. It can also be. In this case, the financial business infrastructure system I / F 180 has the function of the business operator information acquisition unit 120. In other words, the company ID data of the business operator who applied for the loan is output from the application reception I / F 112 of the application reception unit 110 to the financial business infrastructure system I / F 180, and the financial business infrastructure system I / F 180 passes through the network 42. The business information of the company ID is read from the customer DB in the financial business infrastructure system 30 and output to the credit standard determination unit 160. Since the financial business infrastructure system 30 is usually equipped with a customer DB, with such a configuration, the retail financial automatic credit system 10 which is a system of the same financial institution as the financial business infrastructure system 30 is separately provided. It is not necessary to have the customer DB 122, the same customer DB 122 can be shared, and computer resources can be used effectively.

Further, as another form of the configuration in which the retail financial automatic credit system 10 does not include the customer DB, the retail financial automatic credit system 10 may be configured to acquire the business operator information directly from the server of the external organization. In that case, the provider information acquisition unit 120 has a network I / F function. That is, the company ID data of the business operator who applied for the loan is output from the application reception I / F 112 of the application reception unit 110 to the business operator information acquisition unit 120, and has the network I / F function. 120 reads the company information of the company ID from the company information DB (corresponding to the customer DB) on the server of the external organization via the network 41 and outputs it to the credit standard determination unit 160. With such a configuration, it is possible to prevent the financial business infrastructure system 30 or its customer DB from being loaded, and it is possible to effectively use computer resources.
The business entity information acquisition unit 120 can take such various configurations.

  The office supplies transaction information acquisition unit 140 acquires transaction information such as office supplies of the business operator based on the company ID of the business operator who applied for the loan input from the application reception I / F 112 of the application reception unit 110. And output to the credit index calculation unit 150.

  In the retail financial automatic credit system 10 of the present embodiment, the office supplies transaction information acquisition unit 140 includes an office supplies order management system I / F 141 and an office supplies transaction DB 142. The office supplies transaction DB 142 may be referred to as a product or service (office product or the like or simply a product) including office supplies for each business operator managed by an office supply dealer who operates the office supply order management system 20. ) Transaction information (transaction data). For example, the transaction information of products for each company includes the most recent purchase date, the number of monthly purchases, the ratio of household items, the ratio of products such as home appliances, the annual purchase price, the annual sales margin, the product name, the product type, and the annual purchase product. Includes information such as the number of genres. The office supplies order management system I / F 141 reads the transaction information of the corresponding business item recorded in the office supplies transaction DB 142 based on the information of the company ID input from the application reception I / F 112, and the credit index The result is output to the calculation unit 150.

  Here, as described above, office supplies distributors sell not only office supplies, but also food and drinks, various household items, and home appliances, furniture, cash vouchers, and other products and services. It is assumed that the office supplies distributor has set a genre for the products and services to be sold in order to manage orders received by the office supplies order management system 20. In the present embodiment, it is assumed that the genre of “office supplies”, “daily necessities” and “products such as home appliances” is set in the genre, and “living items” in the products purchased by the business operator. The ratio of household goods (ratio of household goods) and the ratio of "products such as household appliances" (ratio of household appliances etc.) are managed in the office supplies order management system 20 as transaction information for each business operator. It is transmitted to the retail financial automatic credit system 10 via the management system I / F 141.

  Note that “office supplies” are various products and services used mainly for business processing by businesses when they perform their original work, and include, for example, stationery, various forms, and business cards. . In addition, “daily necessities” are various products and services that are not related to business and are necessary for living daily life. For example, daily necessities (kitchen utensils, laundry utensils, cleaning utensils, sanitary utensils), toiletries Includes goods, miscellaneous goods (consumables), beverages, foodstuffs, etc. In addition, “products such as home appliances” includes products and services that are not related to business and unusual, and in this case, in particular, any other highly convertible product or service. For example, furniture, home appliances, etc. , Including gold vouchers, jewelry, etc. In addition, you may perform arbitrarily how to classify each product.

  Further, the office supplies order management system I / F 141 performs the office work for each company recorded in the office supplies transaction DB 142 when preset or based on an instruction (control signal) from a management control unit (not shown). Update transaction information such as supplies. The office supplies order management system I / F 141 accesses the office supplies order management system 20 via the network 41 or communicates with the office supplies order management system 20 to update the office supplies transaction DB 142. This is done by receiving transaction information such as the latest office supplies from 20.

Regarding the configuration of the office supplies transaction information acquisition unit 140, the retail financial automatic credit system 10 does not include the office supplies transaction DB 142, and it is also possible to acquire transaction information such as office supplies directly from the office supplies order management system 20. is there. That is, the office supply order management system I / F 141 that has received the input of the company ID of the business operator who applied for the loan from the application reception I / F 112 of the application reception unit 110 sends it to the office supplies order management system 20 via the network 41. It accesses or communicates with the office supplies order management system 20, receives from the office supplies order management system 20 transaction information such as the office supplies of the company with the company ID, and outputs it to the credit index calculation unit 150.
The office supplies transaction information acquisition unit 140 can also take such a configuration.

  The credit index calculation unit 150 calculates the credit index of the business operator based on the business information such as the business supplies of the business operator who applied for the loan input from the office product transaction information acquisition unit 140, and the credit determination unit 170 Output to.

  In this embodiment, the credit index calculation unit 150 calculates a credit index to which a numerical value (rank value) of 1 to 5 called a rank is assigned for one or a plurality of evaluation items. For specific transaction information, it is used as an evaluation item as it is, and by converting the transaction information into a rank value based on a predefined rule, a credit index related to the evaluation item is calculated. In addition, for some types of transaction information, one evaluation item is generated based on the types of transaction information. That is, one credit index is calculated based on the plurality of types of transaction information. In that case, for example, a plurality of transaction information is converted into a score based on a predefined rule (scoring), the converted scores are totaled, and the total score is further converted into a predefined rule. The credit index related to the evaluation item is calculated by converting it into a rank value based on it. When summing the scores for multiple transaction information, set the score for each condition of each transaction information so that the transaction data is substantially weighted, and to the score based on such settings Is converted (weighted scoring). As a result, it is possible to calculate a credit indicator that is weighted between the original transaction information, obtain a composite credit indicator based on a plurality of transaction information, Analysis becomes possible.

  Conversion rules for conversion of business information such as office supplies into credit indicators (rank values), conversion of business information such as office supplies into scores, and conversion of scores into credit indicators are predefined in the form of functions, for example. , May be set, or may be set in the retail financial automatic credit system 10 in the form of a conversion table. The definition of these functions (rank calculation function, score calculation function) and the conversion table are stored in the storage means (memory or storage device) of the computer system that implements the retail financial automatic credit system 10 on the computer system. It is set as a part of a program for realizing the function of the credit system 10 or in the form of parameters or data referred to by the program.

  In the retail financial automatic credit system 10 of this embodiment, the conversion table defines conversion rules for conversion of transaction information into rank values, conversion of transaction information into scores, and conversion of scores into rank values, It is also assumed that the retail financial automatic credit system 10 is set.

An example of the conversion table is shown in FIG.
In the conversion table shown in FIG. 2, the “date of most recent purchase” of the transaction information 1, the “number of monthly purchases” of the transaction information 2, the “life goods ratio” of the transaction information 3, and the “commodity ratio of home appliances” of the transaction information 4 Based on six types of transaction information, “annual purchase amount” in transaction information 5, “annual sales margin amount” in transaction information 6, and “number of purchased product genres” in transaction information 7, Conversion rules for calculating four types of credit indicators 1 to 5 such as “number of months of purchase”, “ratio of daily necessities”, “ratio of products such as home appliances”, and “overall rank” are defined.

Transaction Information 1 “Date of Last Purchase”, Transaction Information 2 “Number of Monthly Purchases”, Transaction Information 3 “Daily Goods Ratio” and Transaction Information 4 “Product Ratio of Home Appliances” are used as evaluation items. Information.
As for the “Last Purchase Date” of Transaction Information 1, the condition that rank value is 5 is “less than 2 weeks”, and the condition that rank value is 4 is “2 weeks or more and 2 months” The most recent purchase date is “2 months or more and less than 1 year” and the rank value is 2 is the latest purchase date is “1 year or more and less than 2 years”. The condition that the rank value is 1 is defined in the conversion table shown in FIG. 2 that the most recent purchase date is “two years or more”.

Similarly, for the “annual purchase month number” of the transaction information 2, the condition that the rank value is 5 is that the annual purchase month number is “12 (12 times)”. The condition for each rank value is defined until the number of times of purchase is “˜1 (one time or less)”.
Regarding the “life goods ratio” of the transaction information 3, the condition that the rank value is 5 is that the life goods ratio is “less than 10%”, and therefore the condition that the rank value is 1 is that the life goods ratio is “40”. The condition for each rank value is defined up to “% or more”.
In addition, as for the “appliance product ratio” of the transaction information 4, the condition that the rank value is 5 is that the home appliance product ratio is “less than 1%”. The condition for each rank value is defined until the value is “15% or more”.

  Further, the “annual purchase amount” of the transaction information 5, the “annual sales margin amount” of the transaction information 6, and the “number of purchased product genres” of the transaction information 7 are referred to as “total rank” based on these three types of transaction information. 1 credit index (credit index 5) is generated. Therefore, in the conversion table shown in FIG. 2, first, the transaction information 5 “annual purchase amount”, transaction information 6 “annual sales margin amount” and transaction information 7 “purchased product genre number” Conditions for converting information into scores and conversion scores are defined.

  Specifically, for the “annual purchase amount” of the transaction information 5, when the annual purchase amount is “3 million yen or more”, the transaction information is converted to a score of “50”, and the annual purchase amount is “2.4 million yen”. The transaction information is converted into a score of “40” when the transaction price is “less than 3 million yen”, and the transaction information is converted into a score of “20” when the annual purchase amount is “1.2 million yen or more and less than 2.4 million yen” When the annual purchase amount is “600,000 yen or more and less than 1,200,000 yen”, the transaction information is converted into a score “10”, and when the annual purchase amount is “less than 600,000 yen”, the transaction information is scored “5”. There is a rule that it is converted to.

  In the conversion table shown in FIG. 2, the condition for converting the transaction information to the score is defined in association with the rank value when the “annual purchase amount” of the transaction information 5 is used as an evaluation item as it is. , The condition that the annual purchase amount is “3 million yen or more” corresponds to the rank value 5, the condition that the annual purchase amount is “2.4 million yen or more and less than 3 million yen” corresponds to the rank value 4, and the annual purchase amount is “ The condition “1.2 million yen or more and less than 2.4 million yen” corresponds to the rank value 3, the condition that the annual purchase amount is “600,000 yen or more and less than 1,200,000 yen” corresponds to the rank value 2, and the annual purchase amount is “600,000 yen”. This is because the conversion rule that the condition “less than yen” corresponds to the rank value 1 is also defined.

In addition, regarding the “annual trading margin” of the transaction information 6, when the annual trading margin is “1 million yen or more”, the transaction information is converted to a score of “15”. In the case of “less than 200,000 yen”, the condition for converting the transaction information into a score and the conversion score are defined in the conversion table shown in FIG. 2 until the transaction information is converted into the score “1”.
Similarly, the “purchased product genre number” of the transaction information 7 is converted into a score “35” when the annual purchased product genre number is “20 to (20 or more)”. When the number of purchased merchandise genres is “~ 3 (3 or less)”, the transaction information is converted into a score of “4”, and the conversion conditions shown in FIG. Stipulated in the table.

  Also in the “annual sales margin amount” of the transaction information 6 and the “number of purchased product genres” of the transaction information 7, the conditions for converting the transaction information into points in the conversion table shown in FIG. The conversion table shown in FIG. 2 defines the conversion rules for converting these transaction information and rank values when using these transaction information as evaluation items as well as the conditions for converting the transaction information into points. Because it is.

  In addition, the conversion table shown in FIG. 2 shows the total score of “annual purchase amount” of the scored transaction information 5, “annual sales margin amount” of the transaction information 6, and “number of purchased product genres” of the transaction information 7. Based on this, a conversion rule for generating one credit index (credit index 5) of “overall rank” is defined.

  That is, regarding the “total rank” of the credit indicator 5, the condition that the rank value is 5 is “80 to 100” as the total score of the transaction information 5 to 7, and the condition that the rank value is 4 is the transaction information 5 The total score of 7 is “50 to 79”, the condition that rank value is 3, the total of score of transaction information 5 to 7 is “30 to 49”, and the condition that rank value is 2 is transaction information. FIG. 2 shows that the total score of 5-7 is “12-29” and the condition that the rank value is 1 is that the total score of transaction information 5-7 is “˜11 (11 or less)”. It is defined in the conversion table shown.

  In the conversion table shown in FIG. 2, the transaction information 5 “annual purchase amount”, the transaction information 6 “annual purchase margin amount”, and the transaction information 7 “number of purchased product genres” for calculating the credit index 5 of “total rank” are shown. Even if these individual pieces of transaction information have the same rank value, the points given to calculate the “total rank” for the condition have different values. This difference in scores essentially serves as a “weighting” between transaction information. That is, in the example of the conversion table shown in FIG. 2, the credit index 5 of “overall rank” has the highest weight (importantly emphasized) in the transaction information 5 “annual purchase amount”. "Number of genres", transaction information 6 "annual trading margin" weighted in order, and the balance of the weight can be finely set by the difference in the scores defined for each rank of each transaction information It is. By using a credit indicator based on such finely weighted transaction information, it is possible to obtain a composite credit indicator based on a plurality of transaction information. It is possible to calculate a credit index that appropriately represents the business activities based on the company.

  A credit index calculation process based on transaction information such as office supplies using such a conversion table in the credit index calculation unit 150 will be described with reference to the flowcharts of FIGS. 3 and 4.

  First, the credit index calculation unit 150 starts processing (step S0), and receives a series of transaction data (transaction information) such as a series of office supplies of a loan application company from the office supplies transaction information acquisition unit 140 (step S0). S1), a variable i indicating transaction data to be processed and a variable j indicating the calculated credit index are each reset (step S2).

  Next, it is checked whether or not there is unprocessed transaction data (i-th transaction data, transaction data i) in the series of transaction data (step S3), and unprocessed transaction data (transaction data i to be processed) ) (Step S3), it is checked whether or not the transaction data i is transaction data subject to weighting scoring (target transaction data for which one credit index is calculated based on a plurality of transaction data) (step S3). Step S4).

  When the transaction data i to be processed is not the transaction data to be weighted scoring (step S4), a variable r indicating the rank number of the condition confirmation target is set to an initial value 5 (step S5). The condition of rank r (rank 5) of transaction data i is read from the conversion table as shown in FIG. 2 (step S6), and it is checked whether or not the transaction data i to be processed satisfies the condition of rank r (rank 5). (Step S7). When the transaction data i to be processed does not satisfy the condition of rank r (rank 5) (step S7), the variable r indicating the rank number is decremented by 1 (step S8), and the process returns to step S6, and FIG. The condition r (rank 4) of the transaction data i is read out from the conversion table as shown in (Step S6), and it is checked whether or not the transaction data i to be processed satisfies the condition of rank r (rank 4) ( Step S7). When the transaction data i to be processed satisfies the condition of rank r while repeating step S6 to step S8 (step S7), 1 is added to the variable j indicating the credit index, and the credit index j (first credit index) ) Is determined to be r (step S10).

  In the present embodiment, a conversion table or a rank calculation function is defined so that any rank is always given to transaction data. Therefore, while repeating step S6 to step S8, each transaction data always satisfies any of the rank 1 to rank 5 conditions.

  When the rank is determined for the transaction data i in step S10, 1 is added to each of the variable i indicating the transaction data and the variable j indicating the credit index (step S11), and the step is performed for the next transaction data i to be processed. The processes from S3 onward are repeated.

  When the processing is repeated in this manner, if the transaction data i to be processed is the transaction data to be weighted in step S4, the variable A indicating the total score is cleared to 0 (step S13, FIG. 4). Reference), an initial value 5 is set in the variable p indicating the scoring condition (step S14), and the scoring condition p (scoring condition 5) of the transaction data i is read from the conversion table as shown in FIG. 2 (step S15). It is checked whether the transaction data i satisfies the scoring condition p (step S16). When the transaction data i to be processed does not satisfy the scoring condition p (step S16), the variable p indicating the scoring condition is decremented by 1 (step S17), the process returns to step S15, and the conversion as shown in FIG. The score condition p (score condition 4) of the transaction data i is read from the table (step S15), and it is checked whether or not the transaction data i satisfies the score condition p (step S16). When the transaction data i to be processed satisfies the scoring condition p (Step S16) while repeating Steps S15 to S17, the score of the scoring condition p of the transaction data i to be processed is read (Step S18), and the total score is obtained. The score of the score condition p is added to the variable A indicating (step S19).

  In the present embodiment, a conversion table or a score calculation function is defined so that any score condition is always satisfied for the transaction data to be weighted scored. Therefore, while repeating step S15 to step S17, each transaction data always satisfies any of the score conditions 1 to 5.

  In step S19, when the obtained score is added to the total score A, 1 is added to the variable i indicating the transaction data (step S20), and it is checked whether or not there is the next transaction data i in the series of transaction data. (Step S21) When there is transaction data i to be processed (Step S21), it is further checked whether or not the transaction data i is transaction data to be weighted scoring (Step S22). When the transaction data i is continuously the transaction data to be weighted (step S22), the processing from step S14 to step S20 is repeated. That is, the initial value 5 is set to the variable p indicating the scoring condition (Step S14), and Steps S15 to S17 are repeated to search for the scoring condition p that the transaction data i to be processed satisfies. When the transaction data i to be processed satisfies the scoring condition p (step S16), the score of the scoring condition p of the transaction data i to be processed is read (step S18), and the score of the scoring condition p is stored in the variable A indicating the total score Is added (step S19), 1 is added to the variable i indicating transaction data (step S20), and the process returns to step S21.

  If the next transaction data i is not present in the series of transaction data in step S21 while repeating the processing in steps S21 to S20, the process proceeds to step S24. If there is transaction data i to be processed (step S21), but the transaction data i is not the transaction data to be weighted (step S22), 1 is added to the variable i indicating the transaction data. After setting (step S20), the process proceeds to step S24.

  Steps S24 to S28 are a series of weighted scoring target transaction data, that is, target transaction data for which one credit index is calculated based on a plurality of transaction data, based on the total score, This is a process for determining the rank. That is, first, 1 is added to the variable j indicating the credit index (step S24), the variable r indicating the rank number of the condition confirmation target is set to the initial value 5 (step S25), and the conversion as shown in FIG. The condition (rank score total condition) of the rank r (rank 5) of the credit index j is read from the table (step S26), and it is checked whether or not the total score A satisfies the condition (step S27).

  When the total score A does not satisfy the condition of rank r (rank 5) (step S27), the variable r indicating the rank number is decremented by 1 (step S28), the process returns to step S26, and again shown in FIG. The condition of the rank r (rank 4) of the credit index j is read from such a conversion table (step S26), and it is checked whether or not the total score A satisfies the condition of rank r (rank 4) (step S27). In repeating steps S26 to S28, when the total score A satisfies the condition of rank r (step S27), the rank of credit indicator j (jth credit indicator) is determined to be r (step S29). ).

When the rank of the credit index j is determined to be r in step S29, the process returns to step S3, and it is checked whether or not there is unprocessed transaction data (next process target transaction data i) in the series of transaction data (step S29). S3) If there is transaction data i to be processed, the processes in and after step S4 are repeated. If there is no transaction data i to be processed next in step S3, the credit index calculation process is terminated (step S30).
The credit index calculated in this way is output to the credit determination unit 170.

  For each credit index calculated by the credit index calculation unit 150, the credit standard determination unit 160 determines a criterion for determining whether to give credit in the credit determination unit 170, and outputs it to the credit determination unit 170. The credit standard determining unit 160 receives input data for loan application from the application receiving unit 110, that is, data (information) such as company ID, application date, loan amount, use of funds, repayment period, loan interest rate, etc. From the information acquisition unit 120, the company information of the business operator who applied for the loan, that is, the business capital, business type, number of employees, location, sales, profit, establishment, etc. is input. The credit standard determination unit 160 of the retail financial automatic credit system 10 of this embodiment determines the credit standard with reference to these data and information.

  In the credit standard determination unit 160 of the present embodiment, first, the credit standard for each credit index is initially set as “rank 4 or higher”, and then the credit standard is changed based on each input data and information. To determine the final credit standard. For example, if the loan amount is greater than or equal to the specified amount, the credit standard as a whole will be increased by one level (the credit standard will be stricter, such as changing rank 4 or higher to rank 5 or higher). For example, lower the overall credit standard (relax the credit standard), but if the purpose of use of funds is to maintain the establishment, raise the overall credit standard by one level. If the number of employees is more than a predetermined number, increase the overall rank index by one level. It is a change such as increasing or decreasing the credit standard as a whole by one or two steps if the sales are above a predetermined level. In the retail financial automatic credit system 10 of the present embodiment, these change rules are set in advance in a storage device of a computer device that implements the retail financial automatic credit system 10 as in the conversion table described above. .

  The credit determination unit 170 determines whether or not to give credit to the application for the loan from the operator based on the credit index input from the credit standard determination unit 160 and the credit standard input from the credit determination unit 170. And the determination result is notified to the financial business infrastructure system 30 via the financial business infrastructure system I / F 180. The credit determination unit 170 of the present embodiment simply compares the credit index input from the credit criterion determination unit 160 with the credit criterion input from the credit determination unit 170, and the credit index is determined for all credit evaluation items. If the credit standard is satisfied, it is determined that the credit is given. If any of the credit evaluation items does not satisfy the credit standard, it is determined that the credit is not given.

  The financial business infrastructure system I / F 180 is an I / F between the retail financial automatic credit system 10 and the financial business infrastructure system 30. As described above, the retail financial automatic credit system 10 performs notification of credit determination results to the financial business infrastructure system 30 and transmission / reception of update data of the customer DB 122 via the financial business infrastructure system I / F 180.

  As described above, the retail financial automatic credit system 10 having such a configuration is realized by installing a program for executing the function of each unit and each means on a general-purpose computer system. The hardware configuration of the computer system includes a CPU, a memory, an input / output device such as a display, a keyboard, and a mouse, a large-scale storage device, and the like.

  Conventionally, credit judgment in so-called retail finance has been made based on company information, past transaction history, etc. As described above, such a method can sufficiently grasp the business situation of a company. In some cases, it was not possible to make an appropriate decision to lend to a good company and not to lend to a company at risk of an accident. On the other hand, in the retail financial automatic credit system 10 according to the present embodiment, the activity state or business of a company (business operator) is determined based on the transaction volume of office supplies such as ball-point pens and various papers used in daily business. Since the state and the like can be grasped, it is possible to appropriately grasp the essential activity amount and vitality of the company. As a result, it is possible to appropriately perform credit in the financial business, particularly in the retail finance business.

  In addition, after the credit determination is automatically performed by the retail financial automatic credit system 10, based on the result, the credit management of the conventional retail finance is performed using the financial business infrastructure system 30 subsequent to the retail financial automatic credit system 10. Work may be performed. As described above, if the retail financial automatic credit system 10 according to the present invention is applied in a form that complements the conventional credit business, it is possible to reliably perform appropriate credit as compared with the conventional case, and to improve the business efficiency. It becomes possible.

  In addition, the financial situation of a company can generally be expected to be ups and downs, but if the company conducts business activities stably, the purchase price of office supplies, etc. is maintained at a constant level apart from the profit situation. There are many. On the other hand, when the original business of a company is reduced or becomes unstable, the purchase price of office supplies etc. decreases and the purchase quantity decreases. In the retail financial automatic credit system 10 according to the present invention, such a change in the transaction status of office supplies and the like can be utilized for credit, so that appropriate credit based on appropriate corporate activities becomes possible.

  Furthermore, for example, in the case of a business that does not perform well, there are not a few cases in which payments are delayed or unpaid in transactions with office supplies, etc., prior to the settlement in the original business. In addition, when accidents such as bankruptcy and bankruptcy are predicted, purchases of highly convertible home appliances, office furniture, business equipment, etc. will increase, and daily necessities that are not related to the original business will be increased. Purchases may increase. In the retail financial automatic credit system 10 according to the present invention, a credit indicator can be set so that such a situation is expressed as a numerical value, and such a situation can be appropriately grasped. Therefore, it is possible to perform extremely effective risk management that has not been conventionally possible, and appropriate credit management becomes possible.

Second Embodiment A second embodiment of the automatic credit system according to the present invention will be described with reference to FIGS.
Similarly to the first embodiment, the automatic credit system according to the second embodiment is a retail financial automatic credit system that manages credit particularly for loans in retail financial operations.
FIG. 5 is a block diagram showing an overall configuration of the retail financial automatic credit system 12 of the second embodiment and a computer system connected to the retail financial automatic credit system 12.

  Of the configuration of the retail financial automatic credit system 12, the same configuration as the retail financial automatic credit system 10 or a configuration having substantially the same function is denoted by the same reference numeral as the retail financial automatic credit system 10 of the first embodiment. A description will be omitted as well. That is, in the following description, only portions different from the first embodiment will be described.

  As shown in FIG. 5, the retail financial automatic credit system 12 is connected to the office supplies order management system 20 via a network 41, and is connected to the financial business infrastructure system 30 via a network 42. The retail financial automatic credit system 12 includes an application receiving unit 110, a risk model DB 130, an office supplies transaction information acquiring unit 140, an SNS writing information acquiring unit 145, a credit index calculating unit 152, a credit criterion determining unit 162, and a credit determining unit 172. And a financial business infrastructure system I / F 180.

  Among these, the office supplies order management system 20, the financial business infrastructure system 30, the networks 41 and 42, the application reception unit 110 of the retail financial automatic credit system 12, the office supplies transaction information acquisition unit 140, and the financial business infrastructure system I / F 180 are configured. And the function is the same as each corresponding part of the first embodiment.

  The retail financial automatic credit system 12 of the second embodiment does not include the operator information acquisition unit 120 that the retail financial automatic credit system 10 of the first embodiment has. However, as described in the description of the first embodiment, this is because the retail financial automatic credit system 12 reads the data of the customer DB 322 provided in the financial business infrastructure system 30. That is, as clearly shown in FIG. 5, the financial business infrastructure system 30 normally includes a customer DB 322, a deposit DB 323, a contract DB 324, a bond management DB 325, and the like. The retail financial automatic credit system 12 is configured to be readable via the financial business infrastructure system I / F 180. Therefore, in the retail financial automatic credit system 12, it can be said that the financial business infrastructure system I / F 180 has the function of the provider information acquisition unit 120 of the first embodiment.

  The retail financial automatic credit system 12 has a risk model DB 130. The risk model DB 130 includes three databases: a DBI / F 131, an office supplies purchase risk model DB 132, a reputation risk model (reputation risk model) DB 133, and a financial risk model DB 134.

  The office supplies purchase risk model DB 132 is a database in which default probabilities are recorded for predetermined conditions of credit information related to transaction information such as office supplies or transaction information such as office supplies. That is, as schematically shown in FIG. 6, the office supplies purchase risk model DB 132 includes a “default probability” when “the latest purchase date rank is rank 5” and “the annual purchase price rank is rank 3 or more”. The risk model information such as “is 0.05%” is recorded.

  The reputation (reputation) risk model DB 133 is a database in which default probabilities for a predetermined condition such as description or posting to the business in the SNS environment on the network 41 are acquired by the SNS writing information acquisition unit 145 described later. It is. That is, as schematically shown in FIG. 7, in the reputation risk model DB 133, when “the number of times of annual SNS writing is 50 times or more” and “positive word conformity rate is 60% or more”, “default probability The risk model information such as “is 0.01%” is recorded.

  Although not shown, the financial risk model DB 134 is a database in which default probabilities by industry, default probabilities by business scale, or default probabilities for business years, growth indicators, stability indicators, productivity indicators, etc. are recorded. is there. As described above, the credit investigation and credit determination at the time of financing in conventional retail finance have been performed based on company information, financial information, past transaction history, etc., but the financial risk model DB 134 The risk management method used in the conventional credit judgment is described as a risk model and mounted on the system.

  Therefore, by performing credit determination based on the financial risk model DB 134, conventional retail finance credit operations can be performed collectively and automatically in the retail finance automatic credit system 12. In the retail financial automatic credit system 10 of the first embodiment, after making a credit judgment automatically by the retail financial automatic credit system 10, the conventional retail financial credit system etc. is used by using the financial business infrastructure system 30 in the latter stage. It was supposed to be performed as a process. However, in the retail financial automatic credit system 11 that can perform risk management and credit based on the financial risk model DB 134 as described above, it is possible to perform credit in a form including such conventional credit work. Therefore, all credit processing can be performed by the retail financial automatic credit system 12, and the business efficiency of the financial institution can be further improved.

  The DB I / F 131 reads out the necessary risk model information as described above from the office supplies purchase risk model DB 132, the reputation risk model DB 133, and the financial risk model DB 134 based on a control signal from a management control unit (not shown), The data is output to the credit index calculation unit 152 and the credit standard determination unit 162.

  The SNS write information acquisition unit 145 searches for descriptions, posts, information, and the like related to the business in the SNS environment on the network 41, and the number of times written, the positive word precision, the negative word precision, the business response times, the business An index such as a person response rate is detected and output to the credit index calculation unit 152.

  The credit index calculation unit 152 has the same basic credit index calculation method as the credit index calculation unit 150 of the first embodiment, but is further based on the SNS write information input from the SNS write information acquisition unit 145. Alternatively, a credit index using SNS write information can be calculated.

  Further, the credit index calculation unit 152 receives office supplies input from the office supplies transaction information acquisition unit 140 for each piece of information of the office supplies purchase risk model, the reputational risk model, and the financial risk model input from the risk model DB 130. Transaction information, SNS write information input from the SNS write information acquisition unit 145, and business operator information of the business operator input from the customer DB 322 of the financial business infrastructure system 30 via the financial business infrastructure system I / F 180 The default rate of the loan for the operator is calculated. When a plurality of default rates are calculated, the highest default rate is obtained as the default rate of the operator or the loan. Then, the credit index calculation unit 152 outputs the obtained default probability to the credit determination unit 170 together with the credit index.

  The credit standard determination unit 162 also has the same basic credit standard determination method as the credit standard determination unit 160 in the first embodiment. However, the risk model DB 130 is used as data and information to be referred to when determining the credit standard. Is different from the credit standard determination unit 160 of the first embodiment in that each information of the office supplies purchase risk model, the reputation risk model, and the financial risk model input from the above can be used. In addition, the credit standard determination unit 162 determines a credit standard for such a credit index in accordance with the fact that the credit index calculation unit 152 can generate a credit index based on the SNS write information. A specific credit standard determination method is the same as that of the credit standard calculation unit 160 of the first embodiment.

  Similar to the credit determination unit 170 of the first embodiment, the credit determination unit 172 is based on the credit index input from the credit standard determination unit 162 and the credit criterion input from the credit determination unit 172, Judge whether or not to give credit to the loan application. In addition, when the determination result is output to the financial business infrastructure system 30 via the financial business infrastructure system I / F 180, the credit determination unit 172 includes the default probability input from the credit index calculation unit 152 in addition to the determination result. Output to.

The retail financial automatic credit system 12 of the second embodiment has such a configuration.
And in the retail financial automatic credit system 12 of such a structure, SNS writing information can also be utilized as a credit index. Accordingly, it is possible to grasp the state of the company, the vitality of the company, etc. that cannot be grasped by grasping the normal financial situation, and it is possible to perform further appropriate credit management.

  In addition, information on the default probability can be output together with the credit determination result to the financial business infrastructure system 30 subsequent to the retail financial automatic credit system 12. Accordingly, the entire financial institution including the financial business infrastructure system 30 can perform more appropriate protection management and risk management.

Modifications The automatic credit system of the present invention is not limited to the above-described first and second embodiments, and can be modified in various suitable manners.

  For example, the retail financial automatic credit systems 10 and 12 according to the first embodiment and the second embodiment include credit standard determination units 160 and 162 and credit determination units 170 and 172 in addition to the credit index calculation units 150 and 152. The retail financial automatic credit systems 10 and 12 carry out the final determination as to whether or not to give credit and output the result to the financial business infrastructure system 30 at the subsequent stage. However, the credit standard determination units 160 and 162 and the credit determination units 170 and 172 are not provided, and the credit indicators and default probabilities calculated by the credit indicator calculation units 150 and 152 are used as devices in the subsequent stage such as the financial business infrastructure system 30 as they are. May be output. The gist of the present invention is to perform appropriate credit management based on transaction information such as office supplies or SNS writing information, and a system for transferring such functions even if only providing a credit index is provided. Obviously, it is within the scope of the invention.

  In addition, the present invention is not only applicable to credits for loans in relatively small-scale financial operations (retail finance), but can also be applied to loans for large businesses and financial services other than loans. is there. Any work related to credit or risk management can be applied. Specifically, for example, if it is a credit sales company, it can be applied to credit in business such as card issuance, member management or member store management, risk management and the like.

  In addition, the present invention is not limited to financial institutions such as banks, credit unions, insurance companies, securities companies, credit sales companies, consumer finance companies, agricultural cooperatives and fishery cooperatives, and other businesses such as other service industries and manufacturing industries. It can be used as a system related to credit, credit management, credit examination, risk management, etc.

  The present invention is used as a computer system related to credit, credit management, credit examination or risk management in all businesses such as service industry and manufacturing industry as well as the financial industry, or used for such credit business or risk management business. It can be used in the form of function addition to a computer system.

10, 12 ... Retail financial automatic credit system 110 ... Application reception part 111 ... Terminal system 112 ... Application reception I / F
120 ... Business information acquisition part 121 ... DBI / F
122 ... Customer DB
130 ... Risk model DB
131 ... DBI / F
132 ... Office supplies purchasing risk model DB
133 ... Reputation risk model DB
134 ... Financial risk model DB
140 ... Office supplies transaction information acquisition unit 141 ... Office supplies order management system I / F
142 ... Office Supplies Transaction DB
145: SNS write information acquisition unit 150, 152 ... Credit index calculation unit 160, 162 ... Credit standard determination unit 170, 172 ... Credit judgment unit 180 ... Financial business infrastructure system I / F
20 ... Office supplies order management system 30 ... Financial business infrastructure system 322 ... Customer DB
323 ... Deposit DB
324 ... Contract DB
325 ... Claim Management DB

Claims (11)

An application accepting unit that accepts an application for provision of a predetermined service on condition of credit from an operator, which is input via an input means;
The transaction information of the product including at least the transaction information of the office supplies managed by the office supplies order management system is read from the storage device storing the transaction information or obtained via a communication line. Or at least one of the transaction information acquisition units to be acquired,
An automatic credit system, comprising: a credit index calculation unit that calculates a credit index for the application from the provider based on the acquired transaction information of the office supplies. It further has an SNS write information acquisition unit for acquiring SNS write information,
The automatic credit system according to claim 1, wherein the credit index calculation unit further calculates a credit index for the application from the provider based on the acquired SNS write information. The transaction information acquisition unit is further configured to store one or both of transaction information of household goods and household appliances of the business operator managed by the office supplies order management system. Read from the storage device, or obtained via a communication line, or at least one of them is acquired as transaction information of the product,
The credit index calculation unit further calculates a credit index for the application from the provider based on one or both of the acquired transaction information of the household goods or the transaction information of the home appliance. The automatic credit system according to claim 1 or 2, characterized by the above. A credit standard determination unit for determining a credit standard related to the application from the operator;
The credit determination unit for determining whether or not to give credit to the application based on the calculated credit index and the calculated credit criterion, further comprising: The automatic credit system according to any one of the above. An operator information acquisition unit that acquires at least one of the operator information of the operator is read from a storage device storing the operator information, or is acquired through a communication line, or at least one of them. Have
The automatic credit system according to claim 4, wherein the credit standard determination unit determines the credit standard based on the acquired provider information. An office supplies purchasing risk model storage unit that stores information on office supplies purchasing risk models in which transaction information of the product is associated with a probability of occurrence of a predetermined accident in the operator;
2. A risk calculating unit that calculates a probability of occurrence of the accident in the business in response to the application from the business based on the acquired transaction information of the product. Automatic credit system as described in A reputation risk model storage unit that stores information on reputation risk models in which the SNS writing information is associated with the probability of occurrence of a predetermined accident in the operator;
The risk calculating part which calculates the probability that the said operator will produce the said accident with respect to the said application from the said operator based on the acquired SNS writing information is further characterized by the above-mentioned. Automatic credit system.   The automatic credit system according to claim 1, wherein the predetermined service subject to credit is a financial related service. The predetermined service subject to the credit is a financial related service,
2. The financial business infrastructure system I / F means for outputting the credit index calculated by the credit index calculator to a financial business infrastructure system of a financial institution that provides the financial related service. The automatic credit system according to any one of? The predetermined service subject to the credit is a financial related service,
One of the credit index calculated by the credit index calculation unit, the credit standard calculated by the credit determination unit, and the result of determination as to whether or not to give credit to the application in the credit determination unit 6. The financial business infrastructure system I / F means for outputting one, two, or all of them to a financial business infrastructure system of a financial institution that provides the financial related service. Automatic credit system.   The automatic credit system according to claim 9 or 10, wherein the financial service is a loan.

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