JP2022059514A - Inquiry device, inquiry program and inquiry method - Google Patents

Abstract

To provide an inquiry device that can alleviate a burden of an operator examining a loan.SOLUTION: According to the present embodiment, a control unit of an inquiry device comprises: inquiry means of inquiring about credit information on a debtor in a plurality of personal credit information institutions, and acquiring a plurality of inquiry result data; display control means of decrypting data on a decryption object in accordance with a prescribed setting, which is concerning the decryption object, and includes a contract date and a borrowing amount, from respective inquiry result data acquired by the inquiry means, and causing the plurality of acquired decryption result data to display on a display screen; and determination means of identifying a plurality of decryption result data in which respective data on the contract data and the borrowing amount are the same from a display content of the screen, and determining the decryption result data other than the decryption result data highest in a priority order as an object except for being overlapped in accordance with a prescribed setting concerning a priority condition from the plurality of identified decryption result data. The display control means is configured to cause a determination result by the determination means to be reflected on the display content of the screen.SELECTED DRAWING: Figure 1

Description

The present invention relates to an inquiry device, an inquiry program and an inquiry method.

Conventionally, when examining a loan, it is necessary to confirm the borrowing amount of the customer to be examined by another company and the circumstances of past delinquency. Such information is handled by a personal credit information agency (hereinafter, also referred to as a credit information agency). CIC, JICC and KSC are known as credit information agencies.

In addition, in order to conduct a loan business, it is necessary to join at least one of the credit information institutions by law, but since the scope of handling mainly differs depending on each credit information institution, multiple credits may be provided depending on the financial institution. It may be a member of an information agency.

If you join a credit bureau, the financial institution is obliged to report (register) the contract details and transaction details of the claim. If you are affiliated with more than one credit bureau, you must report the same content to all affiliated credit bureaus. As a result, the same credit information is duplicated in each credit information agency.

In addition, Patent Document 1 describes a loan management device that can automatically list up claims that may exceed the total amount regulation and rewrite the credit line based on the inquiry result from the credit information agency. ..

Japanese Unexamined Patent Publication No. 2019-114101

When reviewing a loan, the operator must refer to a separate system for each credit bureau. Further, the operator needs to compare the inquiry results, delete the duplicated claims, and aggregate the information of each credit information agency, which is troublesome.

The present invention has been made in view of the above, and an object of the present invention is to provide an inquiry device, an inquiry program, and an inquiry method that can reduce the burden on an operator who examines a loan.

In order to solve the above-mentioned problems and achieve the object, the inquiry device according to the present invention is an inquiry device provided with a control unit, and the control unit is used to send the obligor's credit information to a plurality of personal credit information institutions. It is a predetermined setting regarding the decoding target from the inquiry means for making an inquiry and acquiring a plurality of inquiry result data provided by the plurality of personal credit information institutions and the inquiry result data acquired by the inquiry means. The contract date and the borrowing are based on the display control means for decoding the data to be decoded according to the data including the contract date and the borrowing amount and displaying the obtained plurality of decoding result data on the screen, and the display contents of the screen. A plurality of the decoding result data in which the respective data of the forehead are the same are specified, and from the specified plurality of the decoding result data, the said other than the decoding result data having the highest priority according to a predetermined setting regarding the priority condition. The display control means includes a determination means for determining the decoding result data as a target for deduplication, and the display control means reflects the determination result in the determination means on the display content of the screen.

Further, the inquiry program according to the present invention inquires a plurality of personal credit information institutions for the credit information of the obligor to be executed by the control unit of the inquiry device including the control unit, and the plurality of personal credit information institutions. From the inquiry step for acquiring the plurality of inquiry result data provided by the inquiry step and each of the inquiry result data acquired in the inquiry step, according to a predetermined setting regarding the decoding target including the contract date and the borrowing amount. From the display control step of decoding the data to be decoded and displaying the obtained plurality of decoding result data on the screen, and the display contents of the screen, a plurality of data in which the contract date and the borrowed amount are the same. The decoding result data is specified, and from the specified plurality of decoding result data, the decoding result data other than the decoding result data having the highest priority is determined as a duplication exclusion target according to a predetermined setting regarding the priority condition. Including the determination step to be performed, the display control step reflects the determination result in the determination step in the display content of the screen.

Further, in the inquiry method according to the present invention, the obligor's credit information is inquired to a plurality of personal credit information institutions executed by the control unit of the inquiry device including the control unit, and the inquiry method is provided by the plurality of personal credit information institutions. From the inquiry step for acquiring the plurality of inquiry result data obtained in the inquiry step and each of the inquiry result data acquired in the inquiry step, the decoding target is set according to a predetermined setting regarding the decoding target including the contract date and the borrowing amount. From the display control step of decoding the data of the above and displaying the obtained plurality of decoding result data on the screen and the display contents of the screen, the plurality of decodings in which the respective data of the contract date and the borrowing amount are the same. A decision to specify the result data and determine, from the specified plurality of the decoding result data, the decoding result data other than the highest priority decoding result data as the target of deduplication according to a predetermined setting regarding the priority condition. Including the step, the display control step reflects the determination result in the determination step in the display content of the screen.

The present invention has an effect that the burden on the operator who examines the loan can be reduced.

FIG. 1 is a diagram showing an example of the configuration of the inquiry device. FIG. 2 is a flowchart showing an example of a procedure for performing a credit determination. FIG. 3 is a diagram showing an example of a screen. FIG. 4 is a diagram showing an example of the data structure of the CIC inquiry result. FIG. 5 is a diagram showing an example of the data structure of the JICC inquiry result. FIG. 6 is a diagram showing an example of the data structure of the KSC inquiry result. FIG. 7 is a diagram showing an example of the data structure of the decoding item control master. FIG. 8 is a diagram showing an example of a screen displaying the decoding result. FIG. 9 is a diagram showing an example of the entire display screen. FIG. 10 is a diagram showing an example of the entire display screen. FIG. 11 is a diagram showing an example of a screen displaying the decoding result.

Hereinafter, embodiments of the inquiry device, inquiry program, and inquiry method according to the present invention will be described in detail with reference to the drawings. The present invention is not limited to the present embodiment.

[1. Constitution]
An example of the configuration of the inquiry device according to the present embodiment will be described with reference to FIG. 1 and the like. FIG. 1 is a diagram showing an example of the configuration of the inquiry device.

The inquiry device 100 collectively inquires to each credit information institution by the operation of the operator when examining the loan. Further, the inquiry device 100 sets a priority for the inquiry result, and determines the inquiry result having a lower priority as the target of deduplication. Then, the inquiry device 100 aggregates the inquiry results excluding the duplication exclusion. As a result, the operator can easily and appropriately grasp the deduplication and make a credit judgment, so that the burden on the operator who examines the loan can be reduced.

The inquiry device 100 is a commercially available desktop personal computer. The inquiry device 100 is not limited to a stationary information processing device such as a desktop personal computer, but is portable information such as a commercially available notebook personal computer, a PDA (Personal Digital Assistants), a smartphone, and a tablet personal computer. It may be a processing device.

The inquiry device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the inquiry device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the inquiry device 100 to the network 300 so as to be communicable via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the inquiry device 100 and the server 200 so as to be able to communicate with each other, and is, for example, the Internet, a LAN (Local Area Network), or the like. The inquiry device 100 is connected to three servers 200 corresponding to CIC, JICC, and KSC, respectively, via the network 300. Further, the data stored in the storage unit 106 may be stored in the server 200, for example.

An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, a speaker or a printer can be used in addition to a monitor (including a home television). As the input device 112, a keyboard, a mouse, and a microphone, as well as a monitor that cooperates with the mouse to realize a pointing device function can be used. In the following, the output device 114 may be referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112.

Various databases, tables, files, and the like are stored in the storage unit 106. In the storage unit 106, a computer program for giving an instruction to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) / ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used.

The storage unit 106 includes inquiry result data 106a, decoding result data 106b, and the like.

The inquiry result data 106a is data provided by each credit information institution after inquiring the obligor's credit information to each credit information institution.

The decoding result data 106b is data obtained by decoding the data to be decoded from the inquiry result data 106a according to a predetermined setting regarding the decoding target including the contract date and the borrowing amount.

The control unit 102 is a CPU or the like that collectively controls the inquiry device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run.

The control unit 102 functionally includes a reference unit 102a, a display control unit 102b, and a determination unit 102c.

The inquiry unit 102a is an information processing means for inquiring the credit information of the obligor to each credit information institution.

The display control unit 102b is an information processing means for displaying the decoding result data 106b on the screen.

The determination unit 102c identifies a plurality of decoding result data in which the data of the contract date and the data of the borrowing amount are the same from the display contents of the screen. Further, the determination unit 102c is an information processing means for determining the decoding result data other than the decoding result data having the highest priority from the specified plurality of decoding result data according to a predetermined setting regarding the priority condition as the target of deduplication. Is.

[2. Specific example of processing]
Here, a specific example of the processing executed by the inquiry device 100 will be described with reference to FIGS. 2 to 11.

In this description, according to the flowchart shown in FIG. 2, the inquiry device 100 inquires each credit information institution about the credit information of the obligor, determines the target of deduplication from the inquiry result, and makes a credit judgment. explain.

[S1: Inquiry]
The inquiry unit 102a collectively inquires the debtor's credit information to a plurality of credit information agencies according to the operation of the operator. When the operator selects the inquiry execution button B1 on the screen A1 (FIG. 3), the inquiry unit 102a collectively inquires each credit information institution of the debtor's credit information. Then, when the operator selects the result confirmation button B2 on the screen A1, the inquiry unit 102a displays the inquiry result on the screen. FIGS. 4 to 6 show an example of the data structure of the inquiry results of CIC, JICC and KSC, respectively. In this way, the order and contents of the data structure of the inquiry results of each credit information agency are different.

[S2: Decoding]
The display control unit 102b decodes the data to be decoded from the inquiry result data 106a according to the decoding item control master which is a predetermined setting regarding the decoding target and includes the contract date and the borrowed amount. FIG. 7 is a diagram showing an example of the data structure of the decoding item control master. The display control unit 102b automatically calculates the predetermined contents according to the decoding item control master shown in FIG. 7, and creates the decoding result data 106b. Further, the display control unit 102b displays the decoding result data 106b on the screen A2 (FIG. 8). FIG. 8 shows an example in which inquiry results were obtained one by one from the inquiry institutions JICC, CIC and KSC.

[S3: Visual confirmation of decryption content]
The operator visually confirms the decoding result data 106b displayed on the screen A2. When the operator selects the whole display button B4 on the screen A2, the whole display screen A3 (FIG. 9) is displayed, and the decoding result data 106b can be confirmed in detail. The operator manually adjusts the automatically calculated value on the entire display screen A3. When the all selection button B7 is selected, all the inquiry results of the inquiry institutions JICC, CIC and KSC are selected, and all the check boxes C1 to C3 corresponding to the inquiry institutions JICC, CIC and KSC are checked. When the all release button B8 is selected, all the inquiry results of the inquiry institutions JICC, CIC and KSC are deselected, and all the check boxes C1 to C3 are unchecked.

[S4: Duplicate exclusion]
When the operator selects the duplicate check button B6 on the screen A3, the determination unit 102c identifies the decoding result data 106b in which the data of the contract date and the data of the borrowed amount are the same from the display contents of the screen A3. Further, the determination unit 102c determines from the specified decoding result data 106b the decoding result data other than the decoding result data having the highest priority according to a predetermined setting regarding the priority condition, as the target of deduplication. The predetermined setting regarding the priority condition is, for example, the order of the earliest application date or the order of the credit information agency. When the determination unit 102c determines the target of deduplication, the check box C3 corresponding to the inquiry result of the KSC that is the target of deduplication is unchecked, as shown in FIG.

[S5: Aggregation of decoding results]
When the operator selects the registration button B5, the determination unit 102c registers the inquiry result of the KSC corresponding to the unchecked check box C3 as a duplication exclusion. Further, the determination unit 102c aggregates the decoding result data 106b and displays it on the screen A2 (FIG. 11).

[S6: Confirmation of aggregated results]
The operator confirms the aggregation result displayed on the screen A2 and confirms whether the deduplication is properly performed. At this time, if the operator finds an error in the deduplication, the operator manually adjusts the deduplication. In addition, the operator inputs the final inquiry result such as "There is no particular concern when making a loan" in the special notes column. After that, the operator selects the registration button B3, and the inquiry result is registered.

As described above, according to the present embodiment, since the inquiry unit 102a makes inquiries collectively, it is not necessary for the operator to make inquiries to each credit information institution individually. Further, since the determination unit 102c determines the target of deduplication, the operator can easily confirm the deduplication. Further, since the operator finally confirms the deduplication determined by the determination unit 102c, it is possible to prevent an error in the deduplication. As a result, it is possible to reduce the burden on the operator who examines the loan.

[3. Other embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical ideas described in the claims.

For example, of each of the processes described in the embodiments, all or part of the processes described as being automatically performed may be performed manually, or all of the processes described as being performed manually. Alternatively, a part can be automatically performed by a known method.

In addition, processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each processing, screen examples, and database configurations shown in this specification and drawings are not specified unless otherwise specified. Can be changed arbitrarily.

Further, with respect to the inquiry device 100, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, with respect to the processing functions included in the inquiry device 100, particularly each processing function performed by the control unit, all or any part thereof may be realized by the CPU and a program interpreted and executed by the CPU. Also, it may be realized as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the process described in the present embodiment, and the inquiry apparatus 100 is required. Is read mechanically. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and constitutes a control unit in cooperation with a CPU.

Further, this computer program may be stored in an application program server connected to the inquiry device 100 via an arbitrary network, and all or part of the computer program may be downloaded as needed. ..

Further, the program for executing the process described in the present embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Program Read Only Memory), and an EEPROM (registration). Trademarks) (Electrically Erasable and Protocol Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magnet-Optical Disk), MO (Magnet-Optical Disc), DVD (Digital), DVD (Digital) It shall include any "portable physical medium".

Further, the "program" is a data processing method described in any language or description method, regardless of the format such as source code or binary code. The "program" is not necessarily limited to a single program, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for specific configurations and reading procedures for reading the recording medium in each apparatus shown in the embodiment, installation procedures after reading, and the like.

Various databases and the like stored in the storage unit are memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and storage means such as optical disks, and are used for various processes and website provision. Stores programs, tables, databases, files for web pages, etc.

Further, the inquiry device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the inquiry device 100 may be realized by mounting software (including a program or data) that realizes the processing described in the present embodiment on the device.

Furthermore, the specific form of distribution / integration of the device is not limited to that shown in the figure, and all or part of the device may be functionally or physically in any unit according to various additions or functional loads. It can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

The present invention is useful, for example, when making an inquiry to a credit institution at the time of loan examination.

100 Inquiry device 102 Control unit
102a Inquiry unit
102b Display control unit
102c Determination unit 104 Communication interface unit 106 Storage unit
106a Query result data
106b Decoding result data 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (3)

An inquiry device equipped with a control unit
The control unit
An inquiry means for inquiring the debtor's credit information to a plurality of personal credit information agencies and acquiring a plurality of inquiry result data provided by the plurality of personal credit information agencies.
From each of the inquiry result data acquired by the inquiry means, the data to be decoded is decoded according to a predetermined setting regarding the decoding target including the contract date and the borrowing amount, and a plurality of decoding result data obtained. Display control means to display on the screen,
From the display contents of the screen, a plurality of the decoding result data in which the respective data of the contract date and the borrowing amount are the same are specified, and from the specified plurality of the decoding result data, according to a predetermined setting regarding the priority condition. , A determination means for determining the decoding result data other than the decoding result data having the highest priority as the target of deduplication.
Equipped with
The display control means reflects the determination result of the determination means in the display content of the screen.
An inquiry device characterized by. To be executed by the control unit of the inquiry device including the control unit,
An inquiry step of inquiring the debtor's credit information to a plurality of personal credit information agencies and acquiring a plurality of inquiry result data provided by the plurality of personal credit information agencies.
From each of the inquiry result data acquired in the inquiry step, the data to be decoded is decoded according to a predetermined setting regarding the decoding target including the contract date and the borrowing amount, and a plurality of decoding result data obtained. And the display control step to display
From the display contents of the screen, a plurality of the decoding result data in which the respective data of the contract date and the borrowing amount are the same are specified, and from the specified plurality of the decoding result data, according to a predetermined setting regarding the priority condition. , A determination step for determining the decoding result data other than the decoding result data having the highest priority as the target of deduplication, and
Including
In the display control step, the determination result in the determination step is reflected in the display content of the screen.
A query program featuring. The control unit of the inquiry device including the control unit executes the control unit.
An inquiry step of inquiring the debtor's credit information to a plurality of personal credit information agencies and acquiring a plurality of inquiry result data provided by the plurality of personal credit information agencies.
From each of the inquiry result data acquired in the inquiry step, the data to be decoded is decoded according to a predetermined setting regarding the decoding target including the contract date and the borrowing amount, and a plurality of decoding result data obtained. And the display control step to display
From the display contents of the screen, a plurality of the decoding result data in which the respective data of the contract date and the borrowing amount are the same are specified, and from the specified plurality of the decoding result data, according to a predetermined setting regarding the priority condition. , A determination step for determining the decoding result data other than the decoding result data having the highest priority as the target of deduplication, and
Including
In the display control step, the determination result in the determination step is reflected in the display content of the screen.
A query method characterized by.

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