JP2020080079A - Credit information imparting system - Google Patents

Abstract

To provide a credit information imparting system capable of providing a loan to even a user who is difficult to get a loan.SOLUTION: A credit information imparting system 1 comprises an information collecting device 2, and a management server 3. An information receiving unit 2a of the information collecting device 2 receives input information 2a1 containing first identification information. A reception information acquiring unit 3c of the management server 3 acquires the input information 2a1. An addition credit score calculation unit 3d of the management server acquires a score calculation standard 3b1 of a score calculation standard storage unit 3b, calculates an addition credit score corresponding to the input information 2a1, adds the calculated addition credit score to a first credit score to obtain a second credit score.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit information granting system used for financing.

  In a financial institution, when a user applies for a loan, the financial institution conducts a credit check based on the credit information of the user in order to examine whether or not the loan can be made and the amount of the loan. The credit check is also called a credit check, and it is divided into a business and an individual.

  Credit surveys for individuals are conducted when individuals receive loans from financial institutions, for example, for mortgages. In other words, the credit check is for deciding the amount to lend, when the financial institution lends cash, depending on how much the lending user can trust and how much repayment ability. In the extreme case, a financial institution does not lend to a user when there is a problem with its repayment ability.

  In such a credit survey, it is necessary for a financial institution to survey the salary information of the user of the loan and to have the window submit a withholding tax slip. In addition, credit information may be used to obtain credit information including information on cash borrowing and repayment.

  For this reason, the credit examination includes, as specific examination criteria when a financial institution lends cash, salary information, deposit amount, cash borrowing or repayment, etc. Transaction information is used.

  In recent years, examination criteria from another perspective have been proposed in such credit surveys (see, for example, Patent Document 1). In the proposed credit survey, the examination criteria are the personality and personal connections of the obligor, the enthusiasm for the business, and the ideas for carrying out the business.

JP, 2009-199218, A

  However, as in the past, freelancers who do not have a regular job and information that can be investigated when students are trying to obtain a loan, when a credit survey is conducted, the user side will find that, for example, income and savings. It is difficult to get a loan due to the small number.

  On the other hand, the financial institution can also provide users with loans that are difficult to lend based on the conventional credit information, and if they can be examined by a credit survey from another point of view, they can lend the users. There was a request to expand.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a credit information granting system that can provide a loan to a user who has been difficult to obtain a loan in the past. And

  According to one aspect of the present invention, an information collection device having an information reception unit that receives reception information including input information serving as a material for calculating an additional credit score with respect to a credit score obtained at the time of financing, and an additional credit score. User credit information storage unit that stores user credit information including a reception information, a score calculation reference storage unit that stores a score calculation reference for input information, and a reception information acquisition unit that acquires reception information from an information collecting device And the input credit information from the reception information acquisition unit, the score calculation standard from the score calculation reference storage unit, and the additional credit score calculation unit that calculates the additional credit score, and the additional credit score and reception from the additional credit score calculation unit There is provided a credit information granting system including: a management server having a credit score updating unit that acquires information and includes it in the user credit information and stores it in the user credit information storage unit.

  According to the disclosed technology, it is possible to provide a loan to a user who has been difficult to obtain a loan in the conventional credit survey.

It is a figure for demonstrating the credit information provision system of 1st Embodiment. It is a figure for demonstrating the credit information provision system of 2nd Embodiment. It is a figure for demonstrating the credit information provision system of 3rd Embodiment. It is a figure which shows the hardware structural example of the cash point terminal of 3rd Embodiment. It is a figure which shows the example of the gradebook coefficient table memorize|stored in the cash point terminal of 3rd Embodiment. It is a figure which shows the example of the certificate of merit coefficient table memorize|stored in the cash point terminal of 3rd Embodiment. It is a figure which shows the hardware structural example of the credit information data server of 3rd Embodiment. It is a figure which shows the example of the user management table memorize|stored in the credit information data server of 3rd Embodiment. It is a figure which shows the example of the vein table memorize|stored in the credit information data server of 3rd Embodiment. It is a figure which shows the example of the student table memorize|stored in the credit information data server of 3rd Embodiment. It is a figure which shows the example of the adult table stored in the credit information data server of 3rd Embodiment. It is a figure which shows the example of the operation log memorize|stored in the credit information data server of 3rd Embodiment. It is a figure which shows the example of the receipt table memorize|stored in the credit information data server of 3rd Embodiment. It is a figure which shows the hardware structural example of the financial institution server of 3rd Embodiment. It is a sequence diagram of the whole process performed with the credit information provision system of 3rd Embodiment. It is a flow chart of student information acceptance processing performed with a credit information granting system of a 3rd embodiment. It is a flowchart of the adult information reception process performed by the credit information provision system of 3rd Embodiment. It is a flow chart of receipt table registration processing performed with a credit information granting system of a 3rd embodiment. It is a flow chart of ticket printing processing performed with a credit information granting system of a 3rd embodiment. It is a sequence diagram showing an example of use of the credit points given by the credit information giving system of a 3rd embodiment.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the credit information providing system 1 according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram for explaining the credit information providing system according to the first embodiment.

  The credit information providing system 1 includes an information collecting device 2 that collects information, and a management server 3 that manages the collected information. A network 7 connects the information collecting device 2 and the management server 3. The credit information providing system 1 as described above can collect the credit score used in the credit survey at the time of financing in the management server 3 based on the reception information collected by the information collecting device 2.

The information collecting device 2 has an information receiving unit 2a. The information receiving unit 2a receives the reception information including the input information 2a1 which is a material for calculating the additional credit score with respect to the credit score acquired at the time of financing. The input information 2a1 is, for example, a notification table in which school grades of a student days are described. The reason why the school grade is used as the basis for calculating the additional credit score is that it is generally considered that the student with the better grade is more likely to get a job in an excellent company and is more credible.
The management server 3 has a user credit information storage unit 3a, a score calculation reference storage unit 3b, a reception information acquisition unit 3c, an additional credit score calculation unit 3d, and a credit score update unit 3e.

  The user credit information storage unit 3a stores the user credit information 3a1 including the added credit score and the reception information. The added credit score is added up to become a credit score used for examination when a financial institution makes a loan. The reception information is the information received by the information collection device 2.

  The score calculation reference storage unit 3b stores the score calculation reference 3b1 for the input information 2a1 included in the reception information. The score calculation standard 3b1 holds the standard of the corresponding additional credit score for each content of the input information 2a1.

  The reception information acquisition unit 3c acquires reception information from the information collection device 2. The additional credit score calculation unit 3d acquires the input information 2a1 from the reception information acquisition unit 3c, acquires the score calculation reference 3b1 from the score calculation reference storage unit 3b, and calculates the additional credit score. The credit score updating unit 3e acquires the additional credit score and the reception information from the additional credit score calculating unit 3d, includes the same in the user credit information 3a1, and stores it in the user credit information storage unit 3a.

  The credit information giving system 1 has an information collecting device 2 and a management server 3. In the information collecting device 2, the information receiving unit 2a receives the input information 2a1. In the management server 3, the reception information acquisition unit 3c acquires the input information 2a1, the additional credit score calculation unit 3d acquires the score calculation standard 3b1 of the score calculation standard storage unit 3b, and the addition corresponding to the input information 2a1. Calculate credit score. Further, in the management server 3, the credit score updating unit 3e acquires the additional credit score of the additional credit score calculating unit 3d, and the input information 2a1 included in the user credit information 3a1 of the user credit information storage unit 3a, Update the added credit score and.

  Thus, for example, by accepting the input information 2a1 with the information collecting device 2 from the time of entrance to an elementary school, it is difficult for the user side to receive a loan in a credit survey by a so-called transaction method that is conventionally performed at the time of loan. If you do, you can get a loan. In addition, the financial institution side can increase the number of users of the loan and can make a profit.

[Second Embodiment]
A credit information providing system 1a according to the second embodiment will be described with reference to FIG. FIG. 2 is a diagram for explaining the credit information providing system according to the second embodiment.

  The credit information giving system 1a has an information collecting device 2 and a management server 3. The credit information provision system 1a is obtained by adding a credit score calculation unit 3f for calculating the credit score from the added credit score to the management server 3 of the credit information provision system 1 of the first embodiment. The information collecting device 2 is the same as that of the first embodiment, and therefore its explanation is omitted.

  The reception information stored in the information reception unit 2a includes the first identification information for identifying the input user. The first identification information is information included in the input information 2a1 and capable of identifying which user the input information 2a1 is. The first identification information identifies the user by biometric authentication, for example.

  The management server 3 has a user credit information storage unit 3a, a score calculation reference storage unit 3b, a reception information acquisition unit 3c, an additional credit score calculation unit 3d, a credit score update unit 3e, and a credit score calculation unit 3f.

  The user credit information 3a1 held in the user credit information storage unit 3a includes the second identification information for identifying the stored user and the first credit score given to each user. It is associated with each piece of identification information.

  The second identification information has the same format as the first identification information, and the first identification information is specific information input at each reception, whereas the second identification information is the user credit. The information stored in advance in the information storage unit 3a is identified. That is, the second identification information corresponding to the first identification information is the same as the first identification information.

  The first credit score is a credit score stored in advance, and can be uniquely obtained for each second recognition information by the total of the added credit scores stored for each second recognition information.

  The credit score calculation unit 3f acquires the additional credit score included in the user credit information 3a1 from the user credit information storage unit 3a, adds the additional credit score, and updates the first credit score. Calculate as a score.

  The credit score updating unit 3e acquires the second credit score from the credit score calculating unit 3f, overwrites and updates the first credit score, and stores the second credit score in the user credit information storage unit 3a. The other configuration of the management server 3 is the same as that of the first embodiment, and the description thereof is omitted.

  The credit information providing system 1a includes an information collecting device 2 and a management server 3. In the information collection device 2, the information receiving unit 2a receives the input information 2a1 and the first identification information as the input information 2a1. In the management server 3, the reception information acquisition unit 3c acquires the input information 2a1, the additional credit score calculation unit 3d acquires the score calculation standard 3b1 of the score calculation standard storage unit 3b, and the addition corresponding to the input information 2a1. Calculate credit score. Also, the credit score calculation unit 3f refers to the additional credit score calculation unit 3d to obtain the additional credit score, adds the additional credit score to the first credit score, and calculates the second credit score. Further, in the management server 3, the credit score updating unit 3e updates the first credit score with the second credit score and stores it in the user credit information storage unit 3a.

  Thus, for example, by accepting the input information 2a1 and the first authentication information from the information collecting device 2 at the time of entering elementary school, the credit score is calculated from the added credit score stored for each user, and the management server 3 Can be stored in and retrieved as needed. In addition, the user side can calculate information that did not appear as a credit score in the credit survey based on the so-called transaction method that is performed in the conventional lending, and even if the user who has difficulty receiving the loan Can be received. In addition, the financial institution side can increase the number of users of the loan, and further, by providing the credit score to another financial institution, it becomes possible to obtain a commission.

[Third Embodiment]
A case where the credit information providing system 10 according to the third embodiment is applied to an actual commercial facility or the like will be described with reference to FIG. FIG. 3 is a diagram for explaining the credit information providing system according to the third embodiment.

  The credit information provision system 10 includes a cash point terminal 20, a credit information data server 30, and a financial institution server 40. A network 70 connects the cash point terminal 20 and the financial institution server 40. The cash point terminal 20 and the financial institution server 40 are connected by a financial information network 71 having higher security than usual.

  The cash point terminal 20 collects information that serves as a calculation standard for a credit score from a user. Further, the cash point terminal 20 is an example including a part of the functions of the information collecting device 2 of the second embodiment. Further, the cash point terminal 20 is installed in a plurality of commercial facilities or the like in a state where the user can freely operate it.

  If the user is a student, the information used as the basis for calculating the credit score is a notification table of the school brought to the school or a certificate of commendation at the school, and if the user is a member of society, the loan repayment history and source. Such as a collection slip. This is because it is possible to judge the degree to which the user can be trusted by using these pieces of information as the basis for calculating the credit score. Further, the information serving as a calculation standard of the credit score may be a cashout usage history, and the cash point terminal 20 has a cashout terminal function by communicating with the financial institution server 40.

Cash-out is a service that allows payment of the bill for shopping and withdrawal of cash from an account held in the user's financial institution by a prior contract.
The cash point terminal 20 communicates with the financial institution server 40 via the financial information network 71 when the user uses cash out. Such a cash point terminal 20 has an authentication means based on biometric authentication and IC card authentication, and performs the subsequent procedure by acquiring the recognition information by either of them.

  The credit information data server 30 acquires and stores the information collected by the cash point terminal 20 via the network 70. Further, the credit information data server 30 provides a credit score to be held or information necessary for calculation of a credit score when a credit score is needed as credit information for credit research in a financial institution or the like. .. Such a credit information data server 30 has a part of the function of the management server 3 of the second embodiment.

  The financial institution server 40 is connected to the cash point terminal 20 via the financial information network 71, and receives the cash-out service. The financial institution server 40 may be a host computer installed in a financial institution and diverts existing equipment.

  Next, an example of the hardware configuration of the cash point terminal 20 will be described with reference to FIGS. FIG. 4 is a diagram illustrating a hardware configuration example of a cash point terminal according to the third embodiment. FIG. 5 is a diagram showing an example of a result book coefficient table stored in the cash point terminal according to the third embodiment. FIG. 6 is a diagram showing an example of a certificate of merit table stored in the cash point terminal according to the third embodiment.

  As shown in FIG. 4, the cash point terminal 20 includes a control unit 21, a display 22, and a touch panel 23. The control unit 21 is entirely controlled by a CPU (Central Processing Unit) 21a. A RAM (Random Access Memory) 21b and a plurality of peripheral devices are connected to the CPU 21a via a bus 21g. The RAM 21b is used as a main storage device of the control unit 21. The RAM 21b stores an OS (Operating System) program to be executed by the CPU 21a and a control application program. Further, the RAM 21b includes various data necessary for the processing by the CPU 21a.

The data required for processing includes a certificate of record coefficient table 81 as shown in FIG. 5 and a certificate of merit coefficient table 82 as shown in FIG.
The gradebook coefficient table 81 has items of a grade and a coefficient, and is information serving as a reference of an additional credit score when the cash point terminal 20 receives a school notification table. For example, when the notification table for the first and second years of elementary school is accepted, the addition coefficient to the additional credit score is 1 time.

  The certificate of merit coefficient table 82 has items of a grade and a coefficient, and is information serving as a reference of an additional credit score when the cash point terminal 20 receives the certificate of merit. For example, when a student receives a certificate of recognition that he/she has become a representative of a prefecture or a prefecture, the efficiency of addition to the additional credit score is doubled.

  Peripheral devices connected to the bus 21g include an HDD (Hard Disk Drive) 21c, a communication interface 21d, a graphic controller 21e, and an input/output interface 21f. The HDD 21c is used as an auxiliary storage device of the control unit 21. An OS program and an application program are stored in the HDD 21c. Further, the HDD 21c stores various data necessary for the processing by the CPU 21a, a gradebook coefficient table 81, and a certificate of merit table 82. As the auxiliary storage device, another type of non-volatile storage device such as SSD (Solid State Drive) can also be used.

  The display 22 is connected to the graphic control unit 21e. The graphic control unit 21e causes the display 22 to display an image being processed according to an instruction from the CPU 21a.

  A touch panel 23, a scanner 24, a card reader 25, and a cashout processing unit 26 are connected to the input/output interface 21f. The input/output interface 21f transmits signals sent from the touch panel 23, the scanner 24, the card reader 25, and the cashout processing unit 26 to the CPU 21a via the bus 21g.

The touch panel 23 receives a user's input. The touch panel 23 may be mounted on the display 22.
The scanner 24 optically takes in a notification table brought in by a user and data of a certificate of merit and saves it as image data. Further, the scanner 24 may be configured to incorporate the biometric authentication of the user when biometric authentication is selected as the authentication means.

When the IC card is selected as the authentication means, the card reader 25 takes in the information of the user's IC card.
The cashout processing unit 26 performs processing when the user uses the cash point terminal 20 to cash out. The cash-out processing unit 26 has a printer and can be used for ticket printing.

  The communication interface 21d is connected to the network 70 and the financial information network 71, and transmits/receives data. With the above hardware configuration, the processing function of the cash point terminal 20 of the present embodiment can be realized.

  Next, the hardware configuration of the financial institution server 40 will be described with reference to FIGS. FIG. 7 is a diagram illustrating a hardware configuration example of the credit information data server according to the third embodiment. FIG. 8 is a diagram showing an example of a user management table stored in the credit information data server according to the third embodiment. FIG. 9 is a diagram showing an example of a vein table stored in the credit information data server according to the third embodiment.

  FIG. 10 is a diagram showing an example of a student table stored in the credit information data server according to the third embodiment. FIG. 11 is a diagram showing an example of a working person table stored in the credit information data server according to the third embodiment. FIG. 12 is a diagram showing an example of an operation log stored in the credit information data server according to the third embodiment. FIG. 13 is a diagram showing an example of a receipt table stored in the credit information data server according to the third embodiment.

As shown in FIG. 7, the financial institution server 40 includes a control unit 31, a display 32, and a keyboard 33.
The control unit 31 is entirely controlled by the CPU 31a. A RAM 31b and a plurality of peripheral devices are connected to the CPU 31a via a bus 31g. The RAM 31b is used as a main storage device of the control unit 31. The RAM 31b stores an OS program to be executed by the CPU 31a and an application program for control. Further, the RAM 31b stores various data necessary for the processing by the CPU 31a.

  The data necessary for processing includes a user management table 83 as shown in FIG. 8, a vein table 84 as shown in FIG. 9, a student table 85 as shown in FIG. 10, a working person table 86 as shown in FIG. An operation log 87 as shown in FIG. 12 and a receipt table 88 as shown in FIG. 13 are included.

  The user management table 83 has items of item numbers, DB items, and values. The item number is a serial number starting from 1. The items of the DB item include a user name, ID, password, account start date, latest update date, annual income, credit points, loan balance, student score, adult score, biometric authentication data, and authentication card data. The value item contains the actual data corresponding to the DB item. The annual income item is updated from the withholding slip. With regard to the working adult score, the post-graduate school is treated and the top 60 are retained.

The vein table 84 includes data necessary for vein authentication, and has table key, palm vein, and quality score items.
The item of the table key is a number uniquely numbered in the vein table. The item of palm vein includes BIR data necessary for palm authentication. The item of the quality score represents the high quality for the palm vein.

  The student table 85 holds input information regarding the additional credit score for the student days. Further, the student table 85 has items such as a table key, an annual table, a result score and an attendance rate score. The item of the table key is a number uniquely numbered in the student table 85. The items of the annual table include a notification table image. The item of the performance score includes the additional credit score corresponding to the performance. The item of attendance rate score includes an additional credit score corresponding to the attendance rate.

  The adult table 86 includes table key, adult table, and score items. The item of the table key is a number uniquely numbered in the adult table 86. The items of the working adult table include, for example, the contents to be scored when graduating from a doctoral course. The item of score includes an additional credit score for the content of the item of the adult table.

  The operation log 87 represents who operated when, when, with what, and acquired the additional credit score, and includes items such as serial number, user ID, date and time, and place. The serial number item is a number uniquely assigned in the operation log 87. The item of user ID is a character string of a predetermined rule set for each user. The item of date and time includes information of date and time when the operation of the user corresponding to the user ID is accepted. The location item includes information on the location where the user's operation corresponding to the user ID is accepted. The place where the user's operation is received is, for example, a commercial facility or the like.

The receipt table 88 is used as receipt information when the receipt is accepted, and has items of serial number, user ID, date and time, place, store number, additional credit points, and product name.
The serial number item is a number uniquely assigned in the receipt table 88. The item of user ID is a character string of a predetermined rule set for each user. The item of date and time includes information of date and time when the operation of the user corresponding to the user ID is accepted. The location item includes information on the location where the user's operation corresponding to the user ID is accepted. The item of store number includes information on the identification number of the store that has accepted the operation of the user corresponding to the user ID. The item of additional credit points includes information on additional credit points to be added upon receipt of the corresponding receipt. The item of product name includes the information of the purchased product name included in the received receipt.

  Peripheral devices connected to the bus 31g include a HDD 31c, a communication interface 31d, a graphic control unit 31e, and an input/output interface 31f. The HDD 31c is used as an auxiliary storage device of the control unit 31. The HDD 31c stores an OS program and an application program. Further, the HDD 31c stores various data necessary for the processing by the CPU 31a.

  As the auxiliary storage device, another type of non-volatile storage device such as SSD may be used. A display 32 is connected to the graphic control unit 31e. The graphic control unit 31e causes the display 32 to display an image being processed according to an instruction from the CPU 31a. A keyboard 33 is connected to the input/output interface 31f. The input/output interface 31f sends a signal sent from the keyboard 33 to the CPU 31a via the bus 31g.

  The communication interface 31d is connected to the network 70 and transmits/receives data. With the above hardware configuration, the processing function of the financial institution server 40 of the present embodiment can be realized.

Next, the hardware configuration of the financial institution server 40 will be described with reference to FIG. FIG. 14 is a diagram illustrating a hardware configuration example of the financial institution server according to the third embodiment.
The financial institution server 40 includes a control unit 41, a display 42, and a keyboard 43. The control unit 41 is entirely controlled by the CPU 41a. The RAM 41b and a plurality of peripheral devices are connected to the CPU 41a via a bus 41g. The RAM 41b is used as a main storage device of the control unit 41. The RAM 41b stores an OS program to be executed by the CPU 41a and an application program for control. Further, the RAM 41b stores various data necessary for the processing by the CPU 41a.

  The peripheral devices connected to the bus 41g include a HDD 41c, a communication interface 41d, a graphic control unit 41e, and an input/output interface 41f. The HDD 41c is used as an auxiliary storage device of the control unit 41. The HDD 41c stores an OS program and an application program. The HDD 41c also stores various data necessary for the processing by the CPU 41a. As the auxiliary storage device, another type of non-volatile storage device such as SSD may be used.

  A display 42 is connected to the graphic control unit 41e. The graphic control unit 41e causes the display 42 to display an image being processed according to an instruction from the CPU 41a. A keyboard 43 is connected to the input/output interface 41f. The input/output interface 41f sends a signal sent from the keyboard 43 to the CPU 41a via the bus 41g.

  The communication interface 41d is connected to the financial information network 71 and transmits/receives data. With the above hardware configuration, the processing function of the financial institution server 40 of the present embodiment can be realized.

  Next, description will be given of an overall process showing an outline of the overall process executed by the credit information providing system 10 having the above configuration. FIG. 15 is a sequence diagram of the entire process executed by the credit information providing system according to the third embodiment.

  In the credit information providing system 10, the cash point terminal 20 is waiting for the operation of the user, and the credit information data server 30 is waiting for the communication from the cash point terminal 20.

  [Step S01] The control unit 21 of the cash point terminal 20 accepts registration of personal information. The control unit 21 of the cash point terminal 20 accepts the registration of the personal information from the reception screen (not shown) displayed on the display 22 by operating the touch panel 23. Here, it is assumed that the control unit 21 of the cash point terminal 20 accepts biometric authentication and password registration from the scanner 24. Note that step S01 is performed only for the first time for each user and is not executed for the second time and thereafter.

  [Step S02] The control unit 31 of the credit information data server 30 registers biometric authentication information. The control unit 31 of the credit information data server 30 stores the biometric authentication information received from the cash point terminal 20 in the HDD 31c as a vein table 84.

  [Step S03] The control unit 31 of the credit information data server 30 registers a password. The control unit 31 of the credit information data server 30 registers the password when the IC card is selected as the authentication method. Even if biometric authentication is used as an authentication method, a password may be further registered.

  [Step S04] The control unit 31 of the credit information data server 30 registers the user management table 83. The control unit 31 of the credit information data server 30 additionally registers a new user in the user management table 83. The additional registration also includes a process of adding the password accepted in step S03 to the user management table 83.

  [Step S05] The control unit 21 of the cash point terminal 20 executes a student information reception process. The student information acceptance process is a process in which the control unit 21 of the cash point terminal 20 accepts acceptance information, which is a material for calculating the additional credit points in the student days, by inputting the scanner 24 and the touch panel 23. Details will be described later.

  [Step S06] The control unit 31 of the credit information data server 30 updates the student table 85. The control unit 31 of the credit information data server 30 updates the student table 85 stored in the HDD 31c with the information transmitted from the cash point terminal 20.

  [Step S07] The control unit 31 of the credit information data server 30 updates the operation log 87. The control unit 31 of the credit information data server 30 additionally updates the operation log 87 stored in the HDD 31c with the operation executed in step S06.

  [Step S08] The control unit 21 of the cash point terminal 20 executes an adult information reception process. The adult information reception process is a process in which the control unit 21 of the cash point terminal 20 receives the input information, which is a material for calculating the additional credit points in the adult age, by inputting through the touch panel 23 and the scanner 24. Details will be described later.

  [Step S09] The control unit 31 of the credit information data server 30 updates the working person table 86. The control unit 31 of the credit information data server 30 updates the contents of the working person table 86 stored in the HDD 31c with the information received from the cash point terminal 20.

  [Step S10] The control unit 31 of the credit information data server 30 updates the operation log 87. The control unit 31 of the credit information data server 30 additionally updates the operation log 87 stored in the HDD 31c with the operation executed in step S07.

  [Step S11] The control unit 21 of the cash point terminal 20 receives the receipt information. The control unit 21 of the cash point terminal 20 receives the receipt information from the scanner 24. The receipt information is not limited to the receipt, and may be any information as long as it is a receipt issued when the user purchases the product.

  [Step S12] The control unit 31 of the credit information data server 30 executes a receipt table registration process. The receipt table registration process is a process in which the control unit 21 of the cash point terminal 20 accepts a receipt at the time of purchase, which is included in the acceptance information serving as the calculation material of the additional credit points, by inputting through the touch panel 23 and the scanner 24. Details will be described later.

  [Step S13] The control unit 31 of the credit information data server 30 updates the operation log 87. The control unit 31 of the credit information data server 30 additionally updates the operation executed in step S12 in the operation log 87 stored in the HDD 31c.

  [Step S14] The control unit 21 of the cash point terminal 20 displays points on the display 22. The displayed points are the current credit points acquired from the credit information data server 30. Further, the displayed points may be servicer points operated by the servicer.

[Step S15] The control unit 31 of the credit information data server 30 executes a ticket printing process for printing a ticket. Details will be described later.
[Step S16] The control unit 31 of the credit information data server 30 updates the operation log 87. The control unit 31 of the credit information data server 30 updates the user ID, the date and time, and the location of the operation performed this time with respect to the 87 stored in the HDD 31c. With the above, the entire processing executed by the credit information providing system 10 is completed.

  Next, a student information acceptance process for accepting a notice table or a certificate of commendation executed at the cash point terminal 20 of the credit information providing system 10 having the above configuration will be described. FIG. 16 is a flow chart of student information reception processing executed by the credit information provision system of the third embodiment. The credit information providing system 10 is in the state of step S05 of the overall processing.

  [Step S21] The control unit 21 of the cash point terminal 20 acquires center information. The center information includes the user management table 83 stored in the HDD 31c of the credit information data server 30.

  [Step S22] The control unit 21 of the cash point terminal 20 determines whether or not the reception information received from the user is a notification table. The control unit 21 of the cash point terminal 20 determines whether or not the notification table has been received, based on a part of the reception information received from the scanner 24. When the control unit 21 of the cash point terminal 20 determines that the notification table has been received, the next process proceeds to step S23. If the control unit 21 of the cash point terminal 20 determines that the notification table has not been accepted, the next process proceeds to step S24.

  [Step S23] The control unit 21 of the cash point terminal 20 sets a scorebook coefficient. The control unit 21 of the cash point terminal 20 refers to the gradebook coefficient table 81 stored in the HDD 21c, and sets the gradebook coefficient based on the received acceptance information. For example, if the grade included in the reception information is that of the third grade of elementary school, the gradebook coefficient is set to 2. The report certificate coefficient is a multiple when calculating the additional credit points.

  [Step S24] The control unit 21 of the cash point terminal 20 sets a certificate of commendation coefficient. The control unit 21 of the cash point terminal 20 acquires the certificate of merit coefficient table 82 stored in the HDD 21c and sets the certificate of merit coefficient based on the received acceptance information. For example, if the grade included in the reception information is a runner-up, the certificate of merit coefficient is set to 7. The certificate of merit is a multiple when calculating the additional credit points.

[Step S25] The control unit 21 of the cash point terminal 20 takes in a certificate of merit from the scanner 24.
[Step S26] The control unit 21 of the cash point terminal 20 fetches the notification table from the scanner 24.

  [Step S27] The control unit 21 of the cash point terminal 20 determines whether or not the received notification table belongs to the user. Based on the received acceptance information, the control unit 21 of the cash point terminal 20 compares the user name in the user management table 83 acquired in step S21, and determines whether or not the name described in the accepted notification table belongs to the user. To determine. When the control unit 21 of the cash point terminal 20 determines that the received notification table belongs to the user, the next process proceeds to step S28. Further, when the control unit 21 of the cash point terminal 20 determines that the received notification table is not the one of the owner, the next process returns to step S26.

  [Step S28] The control unit 21 of the cash point terminal 20 calculates a score. The score referred to here is, for example, an additional credit score, and is calculated by multiplying a predetermined value by the result book coefficient acquired in step S23 or the coefficient acquired in step S24.

  [Step S29] The control unit 21 of the cash point terminal 20 determines whether or not the score has been agreed. The control unit 21 of the cash point terminal 20 causes the display 22 to display an additional credit score display screen (not shown).

  The additional credit score display screen has the additional credit score calculated in step S28 and a button for selecting whether to agree or not. The selection button as to whether or not the user has consented includes an "agreement button" and a "disagree button". When the "agreement button" is pressed, it is determined that the user agrees and the "disagree button" is selected. If the button is pressed, it is determined that the consent has not been given.

  When the control unit 21 of the cash point terminal 20 determines that the additional credit score has been agreed, the next process proceeds to step S31. When the control unit 21 of the cash point terminal 20 determines that the additional credit score has not been agreed, the next process proceeds to step S30.

  [Step S30] The control unit 21 of the cash point terminal 20 corrects the score value. The score value referred to here is, for example, the value of the additional credit score, and the cash point terminal 20 accepts the correction of the part of the reception information that the user cannot agree to.

  [Step S31] The control unit 21 of the cash point terminal 20 compresses the image captured in step S25 or step S26. The image compression here is performed by JPG or binarization.

[Step S32] The control unit 21 of the cash point terminal 20 transmits update data. The update data includes information on the notification table of the designated age and the certificate of merit.
With the above, the student information acceptance process executed by the cash point terminal 20 of the credit information granting system 10 ends.

  Next, an explanation will be given of the member-of-member information reception processing which is executed by the cash point terminal 20 of the credit information providing system 10 having the above configuration and receives loan repayment history and cash-out history to calculate additional credit points. FIG. 17 is a flowchart of adult information reception processing executed by the credit information provision system according to the third embodiment. The credit information providing system 10 is in the state of step S08 of the overall processing.

  [Step S41] The control unit 21 of the cash point terminal 20 acquires center information. The center information includes a user management table 83 and a working person table 86 stored in the HDD 31c of the credit information data server 30.

  [Step S42] The control unit 21 of the cash point terminal 20 determines whether or not the repayment has been made. The control unit 21 of the cash point terminal 20 acquires the adult table 86 and determines that the loan is repayable when there is a loan repayment history. It should be noted that this determination item is not limited to the repayment history of the borrowed money, and may be payment of taxes and residents' association due within the deadline, for example.

  When the control unit 21 of the cash point terminal 20 determines that the repayment has been made, the next process proceeds to step S44. When the control unit 21 of the cash point terminal 20 determines that the repayment is not made, the next process proceeds to step S46.

[Step S44] The control unit 21 of the cash point terminal 20 determines the repayment amount.
[Step S45] The control unit 21 of the cash point terminal 20 adds a credit score. The control unit 21 of the cash point terminal 20 adds the additional credit score calculated by the repayment amount confirmed in step S44 to the current credit score.

  [Step S46] The control unit 21 of the cash point terminal 20 determines whether or not cash out has been performed. The control unit 21 of the cash point terminal 20 acquires the adult table 86 and determines that cash-out has been performed when there is a cash-out history.

  When the control unit 21 of the cash point terminal 20 determines that the cash-out has been performed, the next process proceeds to step S47. Further, when the control unit 21 of the cash point terminal 20 determines that the cashout has not been performed, the adult information reception process ends.

  [Step S47] The control unit 21 of the cash point terminal 20 determines whether or not the number of records is 60 or less. The control unit 21 of the cash point terminal 20 refers to the adult table 86, and when the history is within 60, it is determined that the history is within 60.

  When the control unit 21 of the cash point terminal 20 determines that the number of records is 60 or less, the process proceeds to step S49. If the control unit 21 of the cash point terminal 20 determines that the number of records is less than 60, the process proceeds to step S48.

  [Step S48] The control unit 21 of the cash point terminal 20 accepts the designation of the overwrite history. The control unit 21 of the cash point terminal 20 accepts the designation of the overwrite history for the item of the predetermined condition in the history of the adult table 86. When overwritten, the credit score is calculated excluding the history of overwriting by overwriting.

  [Step S49] The control unit 21 of the cash point terminal 20 calculates a credit score. The control unit 21 of the cash point terminal 20 calculates the additional credit points for the cashout history detected in step S46. When the overwrite history is designated in step S48, the additional credit points for the overwritten history are subtracted from the additional credit points for the cash-out history.

[Step S50] The control unit 21 of the cash point terminal 20 transmits update data. The updated data includes the credit score of the designated age.
With the above, the adult information reception process executed by the cash point terminal 20 of the credit information providing system 10 is completed.

  Next, a receipt table registration process executed by the credit information data server 30 of the credit information providing system 10 having the above configuration will be described. FIG. 18 is a flowchart of the receipt table registration process executed by the credit information providing system according to the third embodiment. The credit information providing system 10 is in the state of step S12 after the cash point terminal 20 accepts the receipt in step S11 of the overall processing.

[Step S51] The control unit 31 of the credit information data server 30 receives the receipt information from the cash point terminal 20.
[Step S52] The control unit 31 of the credit information data server 30 converts the receipt information. The conversion of receipt information may be performed by converting the receipt information captured as image data into text data.

  [Step S53] The control unit 31 of the credit information data server 30 stores the purchase information. The control unit 31 of the credit information data server 30 stores the purchase information in the receipt table 88 in the HDD 31c. The purchase information includes the product name and purchase price.

[Step S54] The control unit 31 of the credit information data server 30 stores the receipt information. The receipt information may include image data and text data of the receipt itself.
[Step S55] The control unit 31 of the credit information data server 30 adds points. The control unit 31 of the credit information data server 30 calculates the additional credit points for the purchase information and stores the additional credit points in the receipt table 88 of the HDD 31c.

  [Step S56] The control unit 31 of the credit information data server 30 updates the operation log 87. The control unit 31 of the credit information data server 30 updates the operation log 87 stored in the HDD 31c with the user ID, the date and time, and the location of the operation performed this time.

As described above, the receipt table registration process executed by the credit information data server 30 of the credit information providing system 10 is completed.
Next, a ticket printing process executed by the credit information data server 30 of the credit information providing system 10 having the above configuration will be described. FIG. 19 is a flowchart of the ticket printing process executed by the credit information providing system according to the third embodiment.

  A ticket is, for example, a so-called coupon that allows a user to receive a discount or the like when purchasing at a commercial store or the like. However, when issuing a ticket, the user consumes the points held by the user.

  Further, the credit information providing system 10 is in the state of step S15 of the overall processing and after the cash point terminal 20 displays the points on the display 22 in step S14.

  [Step S61] The control unit 31 of the credit information data server 30 determines whether ticket printing is selected in step S14. The control unit 21 of the cash point terminal 20 causes the display 22 to display a ticket print selection screen (not shown). The ticket print selection screen includes a ticket print button. When the ticket print button is pressed, the control unit 31 of the credit information data server 30 accepts the ticket print selection.

  When the control unit 31 of the credit information data server 30 determines that the ticket printing is selected, the next process proceeds to step S62. When the credit information data server 30 determines that the ticket printing is not selected, the ticket printing process ends.

[Step S62] The control unit 21 of the cash point terminal 20 causes the printer of the cashout processing unit 26 to print the ticket.
[Step S63] The control unit 31 of the credit information data server 30 subtracts points. The control unit 31 of the credit information data server 30 subtracts the points of the user management table 83 of the HDD 31c for the issued ticket. The points used for issuing the ticket may be credit points or unique servicer points managed by a servicer managing a store or the like.

  [Step S64] The control unit 31 of the credit information data server 30 updates the operation log 87. The control unit 31 of the credit information data server 30 updates the operation log 87 stored in the HDD 31c with the user ID, the date and time, and the location of the operation performed this time.

As described above, the ticket printing process executed by the credit information data server 30 of the credit information providing system 10 is completed.
Next, a usage mode of the credit points provided by the credit information providing system 10 having the above configuration will be described. FIG. 20 is a sequence diagram showing an example of using credit points provided by the credit information providing system according to the third embodiment.

[Step S71] The user requests a loan from a local bank.
[Step S72] The local bank determines whether or not the loan can be made. The loan approval/disapproval is determined by comparing the loan amount desired by the user with the credit score.

  [Step S73] The local bank searches for a loan source for the user. A loan source refers to another bank that provides loans to users. Here, for example, a large-scale city bank is assumed, which has more funds than local banks and is easy to lend.

[Step S74] The local bank sends a loan request to the city bank.
[Step S75] The city bank receives the loan request.
[Step S76] The local bank transmits the user management table 83. The data transmitted here may not be the user management table 83 itself, but may be a personal information data record for transfer.

  [Step S77] The city bank receives the user management table 83. The credit survey for the user of the city bank is approved by acquiring the credit score included in the received user management table 83 and other reception information.

[Step S78] The city bank remits a loan fee for providing the credit score to the local bank.
[Step S79] The local bank receives a loan fee.

  [Step S80] The city bank determines the loan amount. The loan amount may be a loan amount desired by the user or may be an amount reduced from the loan amount desired by the user depending on the credit score.

[Step S81] The city bank sends the loan amount to the user.
[Step S82] The user receives the loan amount.
With the above, a series of flow of the usage mode of the credit points ends.

  The above credit information providing system 10 accepts acceptance information from the cash point terminal 20 by the user. The credit information data server 30 calculates and accumulates the additional credit score based on the reception information received from the cash point terminal 20. The reception information includes a notice table and a certificate of commendation during school days, payment of a loan and a certificate of loyalty after working, cash-out history, and receipts. The cash-out history is realized by communication with the financial institution server 40 that performs cash-out processing by the cash-out function of the cash point terminal 20.

  Thereby, for example, by receiving the reception information in the form of a notification table or a certificate of merit at the cash point terminal 20 at the time of entrance to an elementary school, the credit score can be calculated from the added credit score stored for each user and stored. . Furthermore, even after working adults, the credit score can be calculated with higher accuracy by continuously returning loans, paying taxes, collecting cashout history, collecting receipt information, and the like. In addition, the frequency of use of cashout can be increased by increasing the credit credit score for cashout.

  In other words, from the user side, by extending the collection period of acceptance information, it is possible to calculate information that did not appear as a credit score in a credit survey by so-called transaction performed in the conventional financing, as a credit score. Even users who had difficulty receiving the loan can get the loan. For this reason, the financial institution side can increase the number of users of the loan, and it becomes possible to obtain a commission by providing the credit score to another financial institution. For example, a financial institution whose strength is community-based will contribute to regional revitalization while gaining loyalty by guaranteeing the credit of local loan users to a large financial institution in the city center with a credit score. Will also be possible.

  Note that the loan received from the bank is not limited to cash, but may be virtual currency or electronic points.

1, 1a Credit information granting system 2 Information collecting device 2a Information receiving unit 2a1 Input information 3 Management server 3a User credit information storage unit 3a1 User credit information 3b Score calculation reference storage unit 3b1 Score calculation reference 3c Reception information acquisition unit 3d Addition Credit score calculation unit 3e Credit score update unit 3f Credit score calculation unit 7, 70, 72 Network 10 Credit information provision system 20 Cash point terminal 21 Control unit 21a CPU
21b RAM
21c HDD
21d communication interface 21e graphic control unit 21f input/output interface 21g bus 22 display 23 touch panel 24 scanner 25 card reader 26 cashout processing unit 30 credit information data server 31 control unit 31a CPU
31b RAM
31c HDD
31d communication interface 31e graphic control unit 31f input/output interface 31g bus 32 display 33 keyboard 40 financial institution server 41 control unit 41a CPU
41b RAM
41c HDD
41d communication interface 41e graphic control unit 41f input/output interface 41g bus 42 display 43 keyboard 71 financial information network 81 gradebook coefficient table 82 certificate of merit table 83 user management table 84 vein table 85 student table 86 working table 87 operation log 88 receipt table

Claims (8)

An information reception unit that receives reception information including input information that is a material for calculating an additional credit score with respect to a credit score acquired at the time of financing
An information collecting device having
A user credit information storage unit that stores user credit information including the added credit score and the reception information;
A score calculation reference storage unit that stores a score calculation reference for the input information;
A reception information acquisition unit that acquires the reception information from the information collection device;
An additional credit score calculation unit that acquires the input information from the reception information acquisition unit, acquires the score calculation standard from the score calculation standard storage unit, and calculates the additional credit score.
A credit score updating unit that acquires the additional credit score and the reception information from the additional credit score calculating unit, includes the user credit information, and saves the user credit information in the user credit information storage unit;
A management server having
Credit information providing system having. The reception information includes first identification information for identifying the input user,
The user credit information includes second identification information for identifying the stored user and a first credit score given to each user, and is associated with each second identification information,
The management server acquires the additional credit score included in the user credit information from the user credit information storage unit, adds the additional credit score, and updates the first credit score. It has a credit score calculation unit that calculates as a credit score,
The credit score update unit acquires the second credit score from the credit score calculation unit, updates the first credit score, and stores the updated credit score in the user credit information storage unit. The credit information providing system according to claim 1, further comprising a management server.   The information collection device includes a cashout reception unit that receives cashout of cash, the information reception unit refers to the cashout reception unit to acquire a cashout history, and the input information is the cashout. The credit information provision system according to claim 2, including a history.   4. The credit information granting system according to claim 3, wherein the score calculation criterion is such that the larger the amount and the number of times included in the cashout history, the higher the added credit score is calculated.   The credit information granting system according to claim 2, wherein the input information is a grade at an educational institution and an award history.   The credit information granting system according to claim 2, wherein the input information is a work history in a company and an award history.   The credit information providing system according to claim 2, wherein the input information is a loan repayment history.   The credit information providing system according to claim 2, wherein the input information is a receipt issued when a product is purchased.

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