JP2021077243A - Confidence score management device and confidence score management program - Google Patents

Abstract

To improve the calculation accuracy of a confidence score in a small scale company.SOLUTION: A confidence score management device 200 includes account information 211 of a user company in a specific financial institution, an acquisition part 221 for acquiring an input of financial information 212 of the user company, a calculation part 222 for calculating a confidence score 214 of the user company on the basis of the financial information 212, a setting part 223 for setting a disclosure destination 213 of the confidence score 214 designated by the user company, and a transmission part 224 for transmitting the confidence score 214 and the account information 211 to the specific financial institution in the case of including the specific financial institution in the disclosure destination 213. The acquisition part 221 acquires use information 322 in the account information 211 of the user company from the specific financial institution, the calculation part 222 updates the confidence score 214 by using the use information 322, and the transmission part 224 transmits the updated confidence score 214 to the specific financial institution.SELECTED DRAWING: Figure 1

Description

The present invention relates to a credit score management device and a credit score management program, and more particularly to a credit score management device and a credit score management program for managing credit scores.

Credit information is required for financial institutions and investors to make loans and transactions to small companies such as startups, but at present, it is said that the mechanism for collecting and managing credit information is substantial. It's hard to say.

Patent Document 1 discloses a technique relating to a credit score management system that manages information used for evaluating an individual's creditworthiness. The technique according to Patent Document 1 calculates a credit score of a user in consideration of a user's action history transmitted when a signal indicating that the user has performed a predetermined action is detected.

Japanese Patent No. 6514813

However, in the technique according to Patent Document 1, the credit score is calculated only by the input information and the detection information from the user, and there is room for improvement in the calculation accuracy of the credit score.

This disclosure is made to solve such a problem, and an object of the present disclosure is to provide a credit score management device and a credit score management program for improving the accuracy of credit score calculation in a small business. To do.

The credit score management device according to the first aspect of the present disclosure includes an acquisition unit that acquires input of account information of a user company in a specific financial institution and financial information of the user company, and the user based on the financial information. The credit score when the calculation unit for calculating the credit score of the company, the setting unit for setting the disclosure destination of the credit score designated by the user company, and the specific financial institution are included in the disclosure destination. And a transmission unit that transmits the account information to the specific financial institution, the acquisition unit acquires usage information in the account information of the user company from the specific financial institution, and the calculation unit The credit score is updated using the usage information, and the transmission unit transmits the updated credit score to the specific financial institution.

As described above, according to the first aspect of the present disclosure, in addition to the financial information input by the user company itself, the account usage information (cash and deposits and cash and deposits) provided by the main bank on the condition that the credit score is disclosed. Update the credit score using the balance of loans, interest payments on borrowings, balance of financial products, etc.). Therefore, the accuracy of calculating the credit score is improved as compared with Patent Document 1.

Further, when the disclosure destination includes the specific financial institution, the transmission unit uses the credit score as a privilege request for requesting the granting of the usage privilege of the user company at the specific financial institution. The financial information and the account information are transmitted to the specific financial institution. As a result, it is possible to promote the input of financial information, improve the efficiency of collecting financial information at a specific financial institution, and improve the accuracy of loan determination.

Further, when the disclosure destination includes a user other than the specific financial institution, the transmission unit returns the credit score in response to a request from the terminal of the other user. This will increase the possibility of lending from sources other than the main bank (specific financial institution). It can also support credit bureaus, collaboration, trading and business matching.

The credit score management program according to the second aspect of the present disclosure includes a process of acquiring the input of the account information of the user company in a specific financial institution, a process of acquiring the input of the financial information of the user company, and the financial information. The process of calculating the credit score of the user company based on the above, the process of setting the disclosure destination of the credit score specified by the user company, and the case where the disclosure destination includes the specific financial institution. The process of transmitting the credit score and the account information to the specific financial institution, the process of acquiring the usage information of the user company in the account information from the specific financial institution, and the processing of obtaining the credit score using the usage information. The computer is made to execute the process of updating and the process of transmitting the updated credit score to the specific financial institution.

The second aspect of the present disclosure described above can also achieve the same effect as the first aspect described above.

According to the present disclosure, it is possible to provide a credit score management device and a credit score management program for improving the calculation accuracy of a credit score in a small company.

It is a block diagram which shows the whole structure of the credit score management system which concerns on this Embodiment 1. It is a flowchart which shows the flow of the credit score update processing which concerns on this Embodiment 1. It is a sequence diagram which shows the flow of the credit score update processing which concerns on this Embodiment 1. It is a figure which shows the example of the basic information input screen which concerns on this Embodiment 1. It is a figure which shows the example of the setting information input screen which concerns on this Embodiment 1. It is a figure which shows the example of the financial information input screen which concerns on this Embodiment 1. It is a figure which shows the example of the credit score display screen which concerns on this Embodiment 1. It is a flowchart which shows the flow of the disclosure request processing which concerns on this Embodiment 1.

Hereinafter, specific embodiments to which the present invention is applied will be described in detail with reference to the drawings. In each drawing, the same elements are designated by the same reference numerals, and duplicate description will be omitted as necessary for the sake of clarity of description.

<Embodiment 1>
FIG. 1 is a block diagram showing an overall configuration of the credit score management system 1000 according to the first embodiment. The credit score management system 1000 includes a user company terminal 100, a credit score management device 200, and a financial institution information system 300, which are connected via a network N. The network N may be a communication network such as the Internet, a public network, a leased line, or a mobile communication network.

The user company terminal 100 is an information processing terminal operated by a user such as a manager of a small company such as a venture or a start-up company. The user company terminal 100 can be realized by an information processing device such as a desktop computer, a notebook computer, a tablet terminal, or a smartphone.

The user company terminal 100 includes a control unit 110, a storage unit 120, a memory 130, a communication unit 140, an input device 150, and a display device 160. The control unit 110 is a central processing unit and controls a storage unit 120, a memory 130, a communication unit 140, an input device 150, and a display device 160. The storage unit 120 is a non-volatile storage device such as an HDD (Hard Disk Drive) or a flash memory, and stores the program 121. The program 121 is a computer program in which a client application that communicates with the credit score management device 200 is implemented. The program 121 may include an OS (Operating System) and the like. The memory 130 is a volatile storage device such as a RAM (Random Access Memory). The communication unit 140 transmits / receives data to / from the credit score management device 200 and the like via the network N in response to an instruction from the control unit 110. Further, the communication unit 140 receives the data from the credit score management device 200 and the like and transmits the data to the control unit 110. The input device 150 receives an input operation from the user and notifies the control unit 110 of a control signal according to the operation content. The input device 150 can be realized by an input device such as a keyboard or a mouse, a detection unit that detects contact with a touch panel, or the like. The display device 160 displays the display information notified from the control unit 110 on a screen or the like. The display device 160 is a display or the like. The input device 150 and the display device 160 may be integrated with a touch panel or the like.

The control unit 110 reads the program 121 from the storage unit 120 into the memory 130 and executes the program 121. As a result, the control unit 110 realizes the following functions of the credit score management application 111. The credit score management application 111 displays an input screen for basic information, setting information, and financial information on the display device 160. Then, the credit score management application 111 accepts input of basic information, setting information, and financial information of the user company used for calculating the credit score via the input device 150, and manages the credit score via the communication unit 140 and the network N. It is transmitted to the device 200. Further, the credit score management application 111 receives its own credit score from the credit score management device 200 via the network N and the communication unit 140, and displays it on the display device 160. Further, the credit score management application 111 receives a credit score registration request (or a request for granting a privilege of a financial institution) via the input device 150, and transmits the credit score management application 111 to the credit score management device 200 via the communication unit 140 and the network N. The credit score management application 111 can be realized by a general-purpose WEB browser or a dedicated application. The dedicated application may be a so-called smartphone application.

The financial institution information system 300 is an information system operated by a specific financial institution. The financial institution information system 300 includes at least a financial institution server 310 and an account information database 320. The account information database 320 is a database that manages the account information 321 of each customer of the financial institution and the usage information 322 in association with each other. Here, the account information 321 includes an account number, a name, and the like. Further, the usage information 322 is a balance, deposit / withdrawal, transfer, transfer history, etc. in the associated account information 321. In addition, the usage information 322 includes a history of the balance of financial products, the balance of borrowings, interest payments of borrowings, and the like.

When the financial institution server 310 receives the credit score, account information, financial information, etc. of the user company from the credit score management device 200 via the network N, the financial institution server 310 uses the account information database 320 corresponding to the account information 321 of the user company. The information 322 is read out, and the read usage information 322 is returned to the credit score management device 200 via the network N. Further, the financial institution server 310 receives the updated credit score from the credit score management device 200 via the network N. Then, the financial institution server 310 stores the received credit score, account information, financial information, and the like in the account information database 320 or another database (not shown).

The credit score management device 200 is an information processing device for managing the credit score of a user company. The credit score management device 200 is typically implemented with one or more computer servers. The credit score management device 200 includes a storage unit 210, a control unit 220, a memory 230, and a communication unit 240. The storage unit 210 is a non-volatile storage device such as an HDD or a flash memory. The storage unit 210 stores the account information 211, the financial information 212, the disclosure destination 213, the credit score 214, and the program 215. The account information 211 is the account information input by the user company in a specific financial institution. The financial information 212 is financial information such as sales in the user company, and is information such as monthly and annual. The disclosure destination 213 is information that defines the range in which the user company of the user company terminal 100 discloses its own credit score 214. Disclosure destination 213 is, for example, only the company (closed to the outside), disclosed to the company and a specific financial institution (not disclosed to other financial institutions or users), and disclosed to all users (other than the specific financial institution). (Open to users of), etc. The credit score 214 is information that expresses the financial credit information of the user company as a score. Program 215 is a computer program in which the credit score management process according to the present embodiment is implemented. Program 215 is a server program in this embodiment. The program 215 may include an OS (Operating System) and the like.

The memory 230 is a volatile storage device such as a RAM, and is a storage area for temporarily holding information when the control unit 220 operates. The communication unit 240 is an interface for inputting / outputting to / from the outside of the credit score management device 200. For example, the communication unit 240 receives an operation of the operator via an input device (not shown) such as a keyboard, a mouse, and a touch panel, and outputs the received operation content to the control unit 220. Further, the communication unit 240 outputs to a touch panel, a display device, a printer, or the like (not shown) in response to an instruction from the control unit 220.

The control unit 220 is a processor, that is, a control device that controls each configuration of the credit score management device 200. The control unit 220 reads the program 215 from the storage unit 210 into the memory 230 and executes the program 215. As a result, the control unit 220 realizes the functions of the acquisition unit 221 and the calculation unit 222, the setting unit 223, and the transmission unit 224.

The acquisition unit 221 acquires the input of the account information 211 of the user company in a specific financial institution and the financial information 212 of the user company from the user company terminal 100 via the network N and the communication unit 240. Further, the acquisition unit 221 acquires the usage information 322 in the account information 321 of the user company from the financial institution server 310 via the network N and the communication unit 240.

The calculation unit 222 calculates the credit score 214 of the user company based on the financial information 212. Here, the calculation unit 222 calculates the credit score 214 using a predetermined scoring logic. For example, the calculation unit 222 may acquire the credit score 214 as the output by using the learning model of AI (Artificial Intelligence) in which the basic information of the user company and the financial information 212 (further usage information 322) are input. .. In addition, various known algorithms may be applied to the scoring logic. In addition, the calculation unit 222 updates the credit score 214 using the usage information 322. The calculation unit 222 can also use a predetermined scoring logic when updating the credit score 214. As a result, the accuracy of calculating the credit score is improved because detailed usage information acquired from the outside is used as compared with the initially calculated credit score.

The setting unit 223 sets the disclosure destination 213 of the credit score 214 designated by the user company.

When the disclosure destination 213 includes a specific financial institution, the transmission unit 224 transmits at least the credit score 214 and the account information 211 to the financial institution server 310 via the communication unit 240 and the network N. Further, the transmission unit 224 transmits the updated credit score 214 to the financial institution server 310 via the communication unit 240 and the network N.

Further, when the disclosure destination 213 includes a specific financial institution, the transmission unit 224 uses the credit score 214, the financial information 212, and the financial information 212 as a privilege request for requesting the granting of the usage privilege of the user company at the specific financial institution. The account information 211 is transmitted to the financial institution server 310 via the communication unit 240 and the network N. As a result, it is possible to promote the input of financial information, improve the efficiency of collecting financial information at a specific financial institution, and improve the accuracy of loan determination. In addition, it is possible to streamline the collection of financial information with the awarding of benefits as an incentive.

Further, when the disclosure destination 213 includes a user other than the specific financial institution, the transmission unit 224 returns a credit score 214 in response to a request from the terminal of the other user. This will increase the possibility of lending from sources other than the main bank (specific financial institution). It can also support credit bureaus, collaboration, trading and business matching.

FIG. 2 is a flowchart showing the flow of the credit score update process according to the first embodiment. First, the acquisition unit 221 acquires the input of basic information including the account information of the user company in a specific financial institution (S11). Next, the acquisition unit 221 acquires the input of the financial information of the user company (S12). Then, the calculation unit 222 calculates the credit score of the user company based on the financial information (S13). Then, the setting unit 223 sets the disclosure destination of the credit score designated by the user company (S14). Note that step S14 may be executed before step S13.

After that, the control unit 220 determines whether or not the disclosure destination includes a specific financial institution (S15). When it is determined that the disclosure destination includes the specific financial institution, the transmission unit 224 transmits at least the credit score and the account information to the specific financial institution (S16). The transmission unit 224 may also transmit the financial information input in step S12.

Subsequently, the acquisition unit 221 acquires usage information in the account information of the user company from a specific financial institution (S17). Then, the calculation unit 222 updates the credit score using the usage information (S18). After that, the transmission unit 224 transmits the updated credit score to a specific financial institution (S19).

In this way, the calculation accuracy of the credit score can be improved by step S18. In addition, a specific financial institution, for example, a main bank, can obtain a highly accurate credit score of a user company.

FIG. 3 is a sequence diagram showing the flow of the credit score update process according to the first embodiment. Here, it is assumed that the main bank of the user company of the user company terminal 100 is a specific financial institution, and the financial institution information system 300 is the information system of the main bank.

First, the user company terminal 100 displays the basic information input screen on the display device 160 by the credit score management application 111. FIG. 4 is a diagram showing an example of the basic information input screen 41 according to the first embodiment. The company information input field 411 is an input field for basic information of the company such as the type of business and the number of employees in the user company. The main bank input field 412 is an input field for branch office and account information of the main bank of the user company. Although input to the main bank input field 412 is not mandatory, the benefits described later cannot be received. The registration button 413 is a button for transmitting the input contents of the company information input field 411 and the main bank input field 412 to the credit score management device 200 when pressed.

Here, the user company terminal 100 accepts the input of basic information from the user (S201). Then, the user company terminal 100 detects the operation of pressing the registration button 413 on the input device 150 by the user, and inputs the input contents (basic information) of the company information input field 411 and the main bank input field 412 to the communication unit 140 and the network N. It is transmitted to the credit score management device 200 via. The acquisition unit 221 of the credit score management device 200 holds the basic information received from the user company terminal 100 in the memory 230 or the storage unit 210. In particular, the acquisition unit 221 stores the account information 211 of the basic information in the storage unit 210.

Further, the user company terminal 100 displays the setting information input screen on the display device 160 by the credit score management application 111. FIG. 5 is a diagram showing an example of the setting information input screen 42 according to the first embodiment. The disclosure range setting column 421 is a column for designating the disclosure destination of the credit score. The privilege setting column 422 is a column for designating the privilege given by the user company for the service provided by the main bank. Here, as the privilege contents that can be specified, for example, pay-easy (registered trademark) and ATM (Automatic Teller Machine) usage fees are free for a predetermined number of times, preferential treatment of bank point programs, stage program upgrades, etc. These include, but are not limited to. The loan proposal setting column 423 is a column for designating the proposer of the loan proposal accepted by the user company. The inquiry range setting field 424 is a field for designating the range of inquiries accepted by the user company. The registration button 425 is a button for transmitting the input contents of the disclosure range setting field 421, the privilege setting field 422, the loan proposal setting field 423, and the inquiry range setting field 424 to the credit score management device 200 when pressed. ..

The privilege setting column 422 becomes effective when the main bank is included in the disclosure range setting column 421. In other words, the user company can be granted the benefit of the service provided by the main bank by including at least the main bank in the disclosure destination of the credit score of the user company. On the other hand, if the user company confirms the credit score described later and determines that the loan cannot be obtained yet, the user company restricts the disclosure of the credit score by setting the disclosure range setting column 421 only to the company. You can also.

Here, the user company terminal 100 receives input of setting information from the user (S202). Then, the user company terminal 100 detects the operation of pressing the registration button 425 on the input device 150 by the user, and inputs the input contents of the disclosure range setting field 421, the privilege setting field 422, the loan proposal setting field 423, and the inquiry range setting field 424 ( The setting information) is transmitted to the credit score management device 200 via the communication unit 140 and the network N. The setting unit 223 of the credit score management device 200 holds the setting information received from the user company terminal 100 in the memory 230 or the storage unit 210. In particular, the setting unit 223 stores the disclosure destination 213 of the setting information in the storage unit 210.

Subsequently, the user company terminal 100 displays the financial information input screen on the display device 160 by the credit score management application 111. FIG. 6 is a diagram showing an example of the financial information input screen 43 according to the first embodiment. The financial information input field 431 is a field for inputting the sales of the user company last year or the previous month, the labor cost and the purchase amount of the previous month, the rent of the office, the ownership, the monthly rent in the case of rent, and the like. .. The financial information input field 432 is an input field for the cash and deposit balance of the user company and the total amount of borrowings, and in particular, is an input field for the amount of the entire user company including those other than the main bank. The registration button 433 is a button for transmitting the input contents of the financial information input fields 431 and 432 to the credit score management device 200 when pressed.

Here, the user company terminal 100 accepts the input of financial information from the user (S203). Then, the user company terminal 100 detects the operation of pressing the registration button 433 on the input device 150 by the user, and trusts the input contents (financial information) of the financial information input fields 431 and 432 via the communication unit 140 and the network N. It is transmitted to the score management device 200. The acquisition unit 221 of the credit score management device 200 holds the financial information received from the user company terminal 100 in the memory 230 or the storage unit 210. In particular, the acquisition unit 221 stores the financial information 212 in the storage unit 210.

Subsequently, the calculation unit 222 of the credit score management device 200 calculates the credit score 214 by a predetermined scoring logic based on the financial information 212 (S204). Then, the transmission unit 224 transmits the calculated credit score 214 to the user company terminal 100 via the communication unit 240 and the network N (S205). At this time, the calculated credit score 214 is also held in the memory 230.

The user company terminal 100 displays a credit score display screen including the credit score received from the credit score management device 200 on the display device 160 (S206). FIG. 7 is a diagram showing an example of the credit score display screen 44 according to the first embodiment. The credit score display column 441 is a credit score display column of the user company. The privilege grant request button 442 is a button for transmitting a credit score registration request (including the privilege grant request) to the credit score management device 200 when pressed.

Here, it is assumed that the user company terminal 100 receives the pressing of the privilege grant request button 442 from the user via the input device 150. Then, the user company terminal 100 transmits the credit score registration request to the credit score management device 200 via the communication unit 140 and the network N (S207). The user may change the disclosure range setting field 421 of the setting information input screen 42 after confirming the credit score displayed on the credit score display screen 44. In this case, the user company terminal 100 further includes the disclosure destination in the credit score registration request.

When the control unit 220 of the credit score management device 200 receives the credit score registration request in step S207, the credit score 214 calculated in step S204 is stored in the storage unit 210 (S208). When the registration request includes the disclosure destination, the setting unit 223 updates the disclosure destination 213 of the storage unit 210.

Then, the control unit 220 refers to the disclosure destination 213 of the storage unit 210, and determines whether or not the disclosure destination includes a specific financial institution that is the main bank (S209). Here, it is assumed to be included. Therefore, the transmission unit 224 reads the account information 211, the financial information 212, and the credit score 214 from the storage unit 210, and requests the account information 211, the financial information 212, and the credit score 214 to be granted benefits via the communication unit 240 and the network N. Is included in the above and transmitted to the financial institution server 310 (S210). At this time, the privilege content specified in the privilege setting column 422 is also included in the privilege grant request.

The financial institution server 310 extracts the account information 211, the financial information 212, and the credit score 214 (and the privilege content) from the received privilege grant request. Then, the financial institution server 310 stores the extracted information in the account information database 320 or the like. Further, the financial institution server 310 grants the extracted account information 211 a privilege corresponding to the extracted privilege content (S211). That is, the financial institution server 310 sets a predetermined privilege for the account information 321 of the account information database 320 owned by the user company.

Then, the financial institution server 310 reads the usage information 322 associated with the account information 321 possessed by the user company from the account information database 320, and transmits the usage information 322 to the credit score management device 200 via the network N ( S212).

The acquisition unit 221 of the credit score management device 200 receives the usage information 322 from the financial institution server 310 via the network N and the communication unit 240. Then, the calculation unit 222 updates the credit score 214 using the usage information 322 (S213). At this time, the calculation unit 222 may rewrite the storage unit 210 with the updated credit score 214.

Then, the transmission unit 224 transmits the updated credit score 214 to the user company terminal 100 via the communication unit 240 and the network N (S214). The user company terminal 100 displays the updated credit score received from the credit score management device 200 on the display device 160 (S215).

Further, the transmission unit 224 transmits the updated credit score 214 to the financial institution server 310 via the communication unit 240 and the network N (S216). As a result, the main bank can also obtain a highly accurate credit score after renewal. Therefore, it is possible to make a more accurate loan determination for the user company.

FIG. 8 is a flowchart showing the flow of disclosure request processing according to the first embodiment. For example, it is assumed that another user B, who is a business partner of the user company A of the user company terminal 100, conducts a credit check of the user company A. Here, it is assumed that the other user B is, for example, a financial institution other than the main bank C (a specific financial institution that operates the financial institution information system 300) of the user company A, or an investor or the like. In this case, the other user B transmits a request for disclosure of the credit score of the user company A to the credit score management device 200 via the network N from a terminal (not shown) equivalent to the user company terminal 100. To do.

At this time, the control unit 220 of the credit score management device 200 receives the request for disclosure of the credit score of the user company A via the network N and the communication unit 240 (S31). Then, the control unit 220 refers to the storage unit 210 and determines whether or not the disclosure destination 213 includes another user B (S32). For example, when the disclosure destination 213 is "open to all users", it is determined that the disclosure destination 213 includes another user B. In that case, the transmission unit 224 reads the credit score 214 of the user company A from the storage unit 210, and returns the credit score 214 of the user company A to the terminal of another user B via the communication unit 240 and the network N ( S33). On the other hand, in step S32, when it is determined that the disclosure destination 213 does not include another user B, the transmission unit 224 returns that disclosure is not possible (S34).

As described above, in the present embodiment, in addition to the financial information input by the user company itself, the account usage information (cash and deposit, loan balance, borrowed money) provided by the main bank on the condition that the credit score is disclosed. Update the credit score using interest payments, balances of financial products, etc.). Therefore, the accuracy of calculating the credit score is improved as compared with Patent Document 1.

The present embodiment also solves the following problems. First, in order to timely monitor the credit status of customers, it is necessary to collect financial information such as monthly sales of customers. However, in order to collect such financial information, it is generally necessary to visit a customer, which is troublesome. Therefore, it is conceivable to ask the customer to input the financial information electronically, but the input tends to be avoided because the customer takes time and effort. Therefore, as a result, the financial information of the customer is not collected. Small companies such as start-ups have the above-mentioned problems.

Therefore, in the present embodiment, when a customer inputs his / her own financial information on a terminal via a dedicated application or a browser and includes a specific financial institution as a disclosure destination, an incentive for input (disclosure to a specific financial institution) is provided. As a result, the benefits of the financial institution are granted. Here, as a privilege, a certain service is provided free of charge from various service menus provided by a specific financial institution. At this time, it is desirable to disclose financial information as well as the credit score to a specific financial institution. This makes it possible to efficiently acquire financial information from new potential business partners. In other words, customers feel an incentive to be granted benefits in main bank services, even if they have some time to enter their financial information electronically. Therefore, according to this embodiment, it is possible to promote the input of financial information by the customer himself / herself. In particular, since it is desirable to collect financial information every month, it is possible to stably collect financial information by updating the benefits to be given every month.

Therefore, in this embodiment, it is not always necessary to acquire usage information from a specific financial institution and update the credit score. For example, in step S16 of FIG. 2, financial information may be included in the transmission data, and steps S17 to S19 may be omitted. In that case, it can be expressed as follows. That is, the credit score management device calculates the credit score of the user company based on the financial information of the user company, the acquisition unit that acquires the input of the account information of the user company at a specific financial institution, and the financial information. A unit, a setting unit that sets a disclosure destination of the credit score designated by the user company, and a use of the user company by the specific financial institution when the disclosure destination includes the specific financial institution. A transmission unit that transmits the credit score and the account information to the specific financial institution as a privilege request for requesting the grant of the privilege is provided.

<Other embodiments>
As a modification of the above embodiment, the credit score management application 111 may calculate the credit score and store the credit score in the storage unit 120. Then, the credit score management application 111 may transmit the credit score, financial information, and the like to the disclosure destination via the network N according to the setting of the disclosure destination. Further, at this time, the credit score management device 200 may be used.

In the above-described embodiment, the description is made as a hardware configuration, but the present invention is not limited to this. The present disclosure can also be realized by causing a CPU (Central Processing Unit) to execute a computer program.

In the above example, the program can be stored and supplied to a computer using various types of non-transitory computer readable media. Non-transitory computer-readable media include various types of tangible storage media. Examples of non-temporary computer-readable media include magnetic recording media (eg, flexible disks, magnetic tapes, hard disk drives), magneto-optical recording media (eg, magneto-optical disks), CD-ROMs (Read Only Memory), CD-Rs. CD-R / W, DVD (Digital Versatile Disc), semiconductor memory (for example, mask ROM, PROM (Programmable ROM), EPROM (Erasable PROM), flash ROM, RAM (Random Access Memory)) are included. The program may also be supplied to the computer by various types of transient computer readable media. Examples of temporary computer-readable media include electrical, optical, and electromagnetic waves. The temporary computer-readable medium can supply the program to the computer via a wired communication path such as an electric wire and an optical fiber, or a wireless communication path.

The present disclosure is not limited to the above embodiment, and can be appropriately modified without departing from the spirit. Further, the present disclosure may be carried out by appropriately combining the respective embodiments.

1000 Credit score management system 100 User company terminal 110 Control unit 111 Credit score management application 120 Storage unit 121 Program 130 Memory 140 Communication unit 150 Input device 160 Display device 200 Credit score management device 210 Storage unit 211 Account information 212 Financial information 213 Disclosure destination 214 Credit score 215 Program 220 Control unit 221 Acquisition unit 222 Calculation unit 223 Setting unit 224 Transmission unit 230 Memory 240 Communication unit 300 Financial institution information system 310 Financial institution server 320 Account information database 321 Account information 322 Usage information N network 41 Basic information input Screen 411 Company information input field 412 Main bank input field 413 Registration button 42 Setting information input screen 421 Disclosure range setting field 422 Benefit setting field 423 Loan proposal setting field 424 Inquiry range setting field 425 Registration button 43 Financial information input screen 431 Financial information input Field 432 Financial information input field 433 Registration button 44 Credit score display screen 441 Credit score display field 442 Benefit grant request button 443 Save button

Claims (4)

An acquisition unit that acquires input of the account information of the user company in a specific financial institution and the financial information of the user company, and the acquisition unit.
A calculation unit that calculates the credit score of the user company based on the financial information,
A setting unit that sets the disclosure destination of the credit score specified by the user company, and
When the disclosure destination includes the specific financial institution, a transmission unit that transmits the credit score and the account information to the specific financial institution, and
With
The acquisition unit acquires usage information in the account information of the user company from the specific financial institution.
The calculation unit updates the credit score using the usage information, and then updates the credit score.
The transmission unit is a credit score management device that transmits the updated credit score to the specific financial institution. The transmitter
When the specific financial institution is included in the disclosure destination, the credit score, the financial information, and the account information are used as a privilege request for requesting the granting of the usage privilege of the user company at the specific financial institution. The credit score management device according to claim 1, which is transmitted to the specific financial institution. The transmission unit according to claim 1 or 2, wherein when the disclosure destination includes a user other than the specific financial institution, the transmission unit returns the credit score in response to a request from the terminal of the other user. Credit score management device. The process of acquiring the input of the account information of the user company at a specific financial institution,
The process of acquiring the input of financial information of the user company and
The process of calculating the credit score of the user company based on the financial information,
The process of setting the disclosure destination of the credit score specified by the user company, and
When the disclosure destination includes the specific financial institution, a process of transmitting the credit score and the account information to the specific financial institution, and
The process of acquiring usage information in the account information of the user company from the specific financial institution, and
The process of updating the credit score using the usage information and
The process of sending the updated credit score to the specific financial institution, and
A credit score management program that lets your computer run.

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