JP2022061369A - Payment in installments contract review device, payment in installments contract review method, and payment in installments contract review program - Google Patents

Abstract

To provide a payment in installments contract review device, a payment in installments contract review method, and a payment in installments contract review program, capable of enhancing review accuracy by executing a review using a qualitative assessment based on company criteria, to an application of a payment in installments contract which has passed a regal review.SOLUTION: On the basis of a company review criterion master in which company review criteria for a qualitative assessment to a payment in installments contract are set, a device obtains a qualitative assessment result to application data for a payment in installments contract satisfying regal review criteria of a designated credit information institute based on the Installment Sales Act.SELECTED DRAWING: Figure 2

Description

The present invention relates to an installment payment contract examination device, an installment payment contract examination method, and an installment payment contract examination program.

Patent Document 1 discloses a configuration in which an installment payment application is scored (scoring) according to a predetermined quantitative credit standard to automate the examination.

Japanese Unexamined Patent Publication No. 2000-259708

However, in the invention described in Patent Document 1, there is a problem that an application for an inappropriate installment payment contract (credit purchase mediation) actually passes the examination because of the quantitative examination only for scoring. rice field.

The present invention has been made in view of the above problems, and the examination accuracy is improved by performing an examination based on a qualitative evaluation based on the company's own standards for an application for a installment payment contract that has passed the legal examination. It is an object of the present invention to provide an installment payment contract examination device, an installment payment contract examination method, and an installment payment contract examination program that can be planned.

In order to solve the above-mentioned problems and achieve the object, the installment payment contract examination device according to the present invention is an installment payment contract examination device including a storage unit and a control unit, and the storage unit is an installment sale. Stores application storage means for storing application data for installment payment contracts that meet the legal examination standards of designated credit information agencies based on the law, and in-house examination standard masters that set in-house examination standards for qualitative evaluation of the installment payment contracts. The control unit is provided with a qualitative evaluation result acquisition means for acquiring a qualitative evaluation result for the application data based on the in-house examination standard master. do.

Further, in the installment payment contract examination device according to the present invention, the storage unit further provides a scoring standard storage means for storing a scoring standard master in which a scoring standard for quantitative evaluation for the installment payment contract is set. The control unit is further provided with a quantitative evaluation result acquisition means for acquiring a quantitative evaluation result for the application data based on the scoring standard master.

Further, in the installment payment contract examination device according to the present invention, the control unit is a comprehensive judgment result acquisition means for acquiring a comprehensive judgment result for the application data based on the qualitative evaluation result and the quantitative evaluation result. , Is further provided.

Further, in the installment payment contract examination device according to the present invention, the quantitative evaluation result acquisition means is the quantitative evaluation result for the application data for which the qualitative evaluation result has passed or the determination is pending based on the scoring standard master. It is characterized by acquiring the evaluation result.

Further, in the installment payment contract examination device according to the present invention, the control unit further includes a comprehensive judgment result acquisition means for acquiring a comprehensive judgment result for the application data whose quantitative evaluation result has passed or is pending judgment. It is characterized by that.

Further, in the installment payment contract examination device according to the present invention, the control unit has a final judgment input control means for displaying the final judgment data for the application data whose comprehensive judgment result is pending judgment, and the final judgment input control means. When the judgment data is input, it is further provided with an examination result acquisition means for acquiring the final judgment data as an examination result for the application data.

Further, in the installment payment contract examination device according to the present invention, the control unit obtains an examination result acquisition means for acquiring the comprehensive determination result as an examination result for the application data when the comprehensive determination result is pass or fail. It is characterized by being further prepared.

Further, in the installment payment contract examination device according to the present invention, when the qualitative evaluation result fails, the control unit acquires the qualitative evaluation result as the examination result for the application data, and the quantitative evaluation result. If the result is unsuccessful, the present invention is further provided with an examination result acquisition means for acquiring the quantitative evaluation result as an examination result for the application data.

Further, in the installment payment contract examination device according to the present invention, the control unit confirms the result of the examination result including the display area of the qualitative evaluation result, the quantitative evaluation result, and / or the comprehensive determination result. It is characterized by further providing a result confirmation display means for displaying a screen.

Further, in the installment payment contract examination device according to the present invention, the storage unit further includes an examination item storage means for storing an examination item master set by associating an examination item and a calculation method, and the control unit is the control unit. It is further provided with a master setting means for setting the in-house examination standard, which is associated with the examination content and the evaluation result, in the in-house examination standard master by combining the examination items set in the examination item master.

Further, the installment payment contract examination method according to the present invention is a installment payment contract examination method for causing an installment payment contract examination device including a storage unit and a control unit to execute the installment payment contract examination method. The company stores the application storage means for storing the application data of the installment payment contract that meets the legal examination standards of the designated credit information agency based on it, and the in-house examination standard master that sets the in-house examination standard for qualitative evaluation of the installment payment contract. It is characterized by including a qualitative evaluation result acquisition step of acquiring a qualitative evaluation result for the application data based on the in-house examination standard master, which is provided with an examination standard storage means and is executed by the control unit. ..

Further, the installment payment contract examination program according to the present invention is a installment payment contract examination program for causing an installment payment contract examination device including a storage unit and a control unit to execute the installment payment contract examination program. The company stores the application storage means for storing the application data of the installment payment contract that meets the legal examination standards of the designated credit information agency based on it, and the in-house examination standard master that sets the in-house examination standard for qualitative evaluation of the installment payment contract. The control unit is provided with an examination standard storage means, and is characterized in that the control unit executes a qualitative evaluation result acquisition step of acquiring a qualitative evaluation result for the application data based on the in-house examination standard master.

According to the present invention, there is an effect that it is possible to efficiently extract applications for installment payment contracts that may pass the examination only by scoring. Further, according to the present invention, in the examination work of the installment payment contract, it is possible to automatically determine the comprehensive judgment result by combining the in-house standard examination function and the scoring function. Further, according to the present invention, there is an effect that the standard for in-house standard examination, the standard for scoring, and the judgment standard for comprehensive judgment can be set for general purposes in the master. Further, according to the present invention, by performing a comprehensive judgment by combining an in-house standard examination and a scoring function, it is possible to increase the automatic judgment area more than ever, improve the examination speed, and improve the examination accuracy. It has the effect of being able to. Further, according to the present invention, there is an effect that it is possible to automatically determine and cut off a target that is NG according to the company's standard in the company's standard examination and the scoring examination from the examination target that has passed the legal examination. Further, according to the present invention, by incorporating the in-house standard examination, the scoring examination, and the comprehensive examination into the automatic examination, it is possible to perform most of the examinations fully automatically, and the payment is suspended in the comprehensive examination. Since the person only has to make the final decision for the contract application, the effect is that the number of subjects left to the judgment of the examiner can be reduced.

FIG. 1 is a flow chart showing an example of an outline of the installment payment contract examination process in the present embodiment. FIG. 2 is a block diagram showing an example of the configuration of the installment payment contract examination device in the present embodiment. FIG. 3 is a flowchart showing an example of processing of the installment payment contract examination device in the present embodiment. FIG. 4 is a diagram showing an example of the installment payment contract examination process in the present embodiment. FIG. 5 is a diagram showing an example of the installment payment contract examination process in the present embodiment. FIG. 6 is a diagram showing an example of a result confirmation screen in the present embodiment. FIG. 7 is a diagram showing an example of master setting in the present embodiment.

Embodiments of the present invention will be described in detail with reference to the drawings. The present invention is not limited to the present embodiment.

[1. overview]
First, the outline of the present invention will be described with reference to FIG. FIG. 1 is a flow chart showing an example of an outline of the installment payment contract examination process in the present embodiment.

In the past, automatic screening was performed for applications by scoring applications for installment payment contracts according to predetermined quantitative criteria, but qualitatively inappropriate applications passed the screening. There was a case that it ended up.

Therefore, in this embodiment, as shown in FIG. 1, when an application for an installment payment contract is made, a legal examination is performed on the application data at the installment sales method / money lending business law designated credit information agency (CIC), and the law is stipulated. For application data that has passed the examination, an in-house standard examination that gives a qualitative evaluation is executed, and for application data that has passed the in-house standard examination, a scoring examination that gives a quantitative evaluation is executed and scoring. For the application data that passed the examination, a comprehensive judgment was executed to evaluate the total score of all items, and for the application data with clear pass / fail, the examination result was answered as it was, and it was judged that the judgment of the comprehensive judgment was pending. We provide a mechanism that leaves the application data to the judgment of the person in charge of examination.

Here, the in-house standard examination in the present embodiment is a qualitative evaluation, and basically, when the applicant customer is applicable, the examination itself is set to be NG (×), and the examination is NG. It may not be possible to set a condition (Δ) that requires a person to make a detailed examination, as it is necessary to be careful. In addition, the scoring examination in this embodiment is a quantitative evaluation, and even if it passes the in-house standard examination, it becomes a supplementary examination of the in-house standard examination in which the target to be finally NG is determined. Therefore, points may be given for each examination condition based on the conditions and points set in the master, and the examination NG may be judged based on the total points of all items. Further, the comprehensive determination in the present embodiment is a determination of the final examination result based on the result of the in-house standard examination and the result of the scoring examination, and the final examination result may be set by the master.

[2. Constitution]
An example of the configuration of the installment payment contract examination device 100 according to the present embodiment will be described with reference to FIG. FIG. 2 is a block diagram showing an example of the configuration of the installment payment contract examination device 100 in the present embodiment.

As shown in FIG. 2, the installment payment contract examination device 100 is a commercially available desktop personal computer. The installment payment contract examination device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, tablet personal computer, or the like. It may be a portable information processing device.

The installment payment contract examination 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 installment payment contract examination device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the installment payment contract examination 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 installment payment contract examination device 100 and the server 200 so as to be communicable with each other, and is, for example, the Internet, a LAN (Local Area Network), or the like.

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 an examination item master 106a, an in-house examination standard master 106b, a scoring standard master 106c, and an application database 106d.

The examination item master 106a is a master set by associating the examination items and the calculation method.

The in-house examination standard master 106b is a master that sets in-house examination standards for qualitative evaluation of installment payment contracts. Here, the in-house examination standard master 106b may be set in association with a record identifier (for example, No or the like), examination contents, judgment items, codes, comparison items, and / or evaluation results.

The scoring standard master 106c is a master that sets scoring standards for quantitative evaluation of installment payment contracts. Here, the scoring standard master 106c may be set by associating a record identifier (for example, No.), examination content, judgment item, code, comparison item, and / or score (score) and the like.

The application database 106d stores the application data of the installment payment contract. Here, the application database 106d may store application data for installment payment contracts that satisfy the legal review criteria of a designated credit information agency based on the installment sales method. Further, the application database 106d stores qualitative evaluation results for application data, quantitative evaluation results for application data, comprehensive judgment results for application data, final judgment data for application data, and / or examination results for application data. You may be doing it.

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 touch panel). 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 or a printer 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112.

The control unit 102 is a CPU or the like that collectively controls the installment payment contract examination 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 has a master setting unit 102a, a qualitative evaluation result acquisition unit 102b, a quantitative evaluation result acquisition unit 102c, a comprehensive judgment result acquisition unit 102d, a final judgment input control unit 102e, and an examination result acquisition unit 102f. And a result confirmation display unit 102 g.

The master setting unit 102a sets the in-house examination standard master 106b and / or the scoring standard master 106c based on the examination item master 106a. Here, the master setting unit 102a may combine the examination items set in the examination item master 106a and set the in-house examination standard associated with the examination content and the evaluation result in the in-house examination standard master 106b. Further, the master setting unit 102a may combine the examination items set in the examination item master 106a and set the scoring standard associated with the examination content and the score in the scoring standard master 106c.

The qualitative evaluation result acquisition unit 102b acquires the qualitative evaluation result for the application data of the installment payment contract. Here, the qualitative evaluation result acquisition unit 102b may acquire the qualitative evaluation result for the application data of the installment payment contract based on the in-house examination standard master 106b. Further, the qualitative evaluation result acquisition unit 102b may register the qualitative evaluation result for the application data of the installment payment contract in the application database 106d.

The quantitative evaluation result acquisition unit 102c acquires the quantitative evaluation result for the application data of the installment payment contract. Here, the quantitative evaluation result acquisition unit 102c may acquire the quantitative evaluation result for the application data of the installment payment contract based on the scoring standard master 106c. Further, the quantitative evaluation result acquisition unit 102c may acquire the quantitative evaluation result for the application data of the installment payment contract for which the qualitative evaluation result has passed or the judgment is pending, based on the scoring standard master 106c. Further, the quantitative evaluation result acquisition unit 102c may register the quantitative evaluation result for the application data of the installment payment contract in the application database 106d.

The comprehensive determination result acquisition unit 102d acquires the comprehensive determination result for the application data of the installment payment contract. Here, the comprehensive determination result acquisition unit 102d may acquire the comprehensive determination result for the application data of the installment payment contract based on the qualitative evaluation result and the quantitative evaluation result for the application data of the installment payment contract. Further, even if the comprehensive judgment result acquisition unit 102d acquires the comprehensive judgment result for the application data of the installment payment contract in which the qualitative evaluation result is passed or the judgment is pending and the quantitative evaluation result is passed or the judgment is pending. good. Further, the comprehensive determination result acquisition unit 102d may register the comprehensive determination result for the application data of the installment payment contract in the application database 106d.

The final judgment input control unit 102e displays so as to input the final judgment data for the application data of the installment payment contract. Here, the final judgment input control unit 102e may display the final judgment data for the application data of the installment payment contract whose comprehensive judgment result is pending judgment.

The examination result acquisition unit 102f acquires the examination result for the application data of the installment payment contract. Here, when the final judgment data for the application data of the installment payment contract is input, the examination result acquisition unit 102f may acquire the final judgment data as the examination result for the application data. Further, when the comprehensive determination result for the application data of the installment payment contract is pass or fail, the examination result acquisition unit 102f may acquire the comprehensive determination result as the examination result for the application data. Further, when the qualitative evaluation result for the application data of the installment payment contract is unsuccessful, the examination result acquisition unit 102f acquires the qualitative evaluation result as the examination result for the application data, and quantitatively obtains the application data of the installment payment contract. If the evaluation result is unsuccessful, the quantitative evaluation result may be obtained as the examination result for the application data. Further, the examination result acquisition unit 102f may register the final judgment data for the application data of the installment payment contract and / or the examination result in the application database 106d.

The result confirmation display unit 102g displays a result confirmation screen of the examination result for the application data of the installment payment contract. Here, the result confirmation display unit 102g is the examination result for the application data of the installment payment contract, including the display area of the qualitative evaluation result, the quantitative evaluation result, and / or the comprehensive judgment result for the application data of the installment payment contract. The result confirmation screen may be displayed.

[3. Concrete example]
Specific examples of this embodiment will be described with reference to FIGS. 3 to 7.

[Installation payment contract examination process]
Here, an example of the installment payment contract examination process in the present embodiment will be described with reference to FIG. FIG. 3 is a flowchart showing an example of processing of the installment payment contract examination device 100 in the present embodiment.

As shown in FIG. 3, the control unit 102 acquires the application data of the installment payment contract that has passed the legal review of the designated credit information agency based on the installment sales method, and registers the application data in the application database 106d (step SA). -1).

Then, the qualitative evaluation result acquisition unit 102b acquires the qualitative evaluation result for the application data of the installment payment contract based on the in-house examination standard master 106b, and registers the qualitative evaluation result in the application database 106d (step SA). -2).

Then, the quantitative evaluation result acquisition unit 102c determines whether or not the qualitative evaluation result for the application data of the installment payment contract is unacceptable (step SA-3).

Then, when the quantitative evaluation result acquisition unit 102c determines that the qualitative evaluation result for the application data of the installment payment contract is unacceptable (step SA-3: Yes), the process shifts to step SA-9.

Then, when the quantitative evaluation result acquisition unit 102c determines that the qualitative evaluation result for the application data of the installment payment contract is not rejected (pass or judgment pending) (step SA-3: No), the process is performed in step SA. Move to -4.

Then, the quantitative evaluation result acquisition unit 102c acquires the quantitative evaluation result for the application data of the installment payment contract based on the scoring standard master 106c, and registers the quantitative evaluation result in the application database 106d (step SA). -4).

Then, the comprehensive determination result acquisition unit 102d determines whether or not the quantitative evaluation result for the application data of the installment payment contract is unacceptable (step SA-5).

Then, when the comprehensive determination result acquisition unit 102d determines that the quantitative evaluation result for the application data of the installment payment contract is unacceptable (step SA-5: Yes), the process shifts to step SA-9.

On the other hand, when the comprehensive judgment result acquisition unit 102d determines that the quantitative evaluation result for the application data of the installment payment contract is not rejected (pass or judgment pending) (step SA-5: No), the process is performed in step SA-. Move to 6.

Then, the comprehensive determination result acquisition unit 102d acquires the comprehensive determination result for the application data of the installment payment contract, and registers the comprehensive determination result in the application database 106d (step SA-6).

Then, the final determination input control unit 102e determines whether or not the comprehensive determination result for the application data of the installment payment contract is pending determination (step SA-7).

Then, when the final judgment input control unit 102e determines that the comprehensive judgment result for the application data of the installment payment contract is not the judgment pending (pass or fail) (step SA-7: No), the process is performed in step SA-9. To migrate to.

On the other hand, when the final determination input control unit 102e determines that the comprehensive determination result for the application data of the installment payment contract is pending determination (step SA-7: Yes), the process shifts to step SA-8.

Then, the final judgment input control unit 102e causes the output device 114 to display the final judgment input screen so that the user inputs the final judgment data for the application data of the installment payment contract via the input device 112 (step SA-8). ..

Then, the examination result acquisition unit 102f acquires the examination result for the application data of the installment payment contract based on the qualitative evaluation result, the quantitative evaluation result, the comprehensive judgment result, or the final judgment data for the application data of the installment payment contract. Then, the examination result is registered in the application database 106d (step SA-9).

Then, the result confirmation display unit 102g includes the qualitative evaluation result, the quantitative evaluation result, and / or the display area of the comprehensive judgment result for the application data of the installment payment contract, and the result of the examination result for the application data of the installment payment contract. A confirmation screen is displayed (step SA-10), and the process is terminated.

Here, an example of the installment payment contract examination process in the present embodiment will be described with reference to FIGS. 4 and 5. 4 and 5 are diagrams showing an example of the installment payment contract examination process in the present embodiment.

As shown in FIG. 4, in the present embodiment, the in-house examination criteria in which the examination items existing in the examination item master 106a are combined and the examination contents and judgments are linked are set in the in-house examination standard master 106b, and the examination contents are set. And the scoring standard associated with the score may be set in the scoring standard master 106c. Then, as shown in FIG. 4, in the present embodiment, the in-house examination standard result is acquired by the qualitative evaluation of the application data of the installment payment contract, and the scoring result is acquired by the quantitative evaluation of the application data of the installment payment contract. Then, the comprehensive judgment result may be obtained from the comprehensive judgment of the in-house examination standard result and the scoring result.

For example, as shown in FIG. 5, in the present embodiment, the result of the in-house standard examination for the application data of the installment payment contract based on the in-house examination standard and the scoring result for the application data based on the scoring standard are combined. Only those for which the comprehensive judgment result is acquired and the judgment is pending may be the judgment target of the examiner.

Further, an example of the result confirmation screen in the present embodiment will be described with reference to FIG. FIG. 6 is a diagram showing an example of a result confirmation screen in the present embodiment.

As shown in FIG. 6, in the present embodiment, the result confirmation screen including the display of the in-house standard examination result, the scoring score, the scoring result, and the comprehensive judgment result for the application data of the installment payment contract may be used. ..

Further, an example of master setting in the present embodiment will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of master setting in the present embodiment.

As shown in FIG. 7, in the present embodiment, the content of the examination item set in the examination item master 106a may be set as the judgment item of the in-house examination standard in the in-house examination standard master 106b.

[4. 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 idea 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 installment payment contract examination 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 installment payment contract examination device 100, particularly each processing function performed by the control unit 102, all or any part thereof is realized by the CPU and a program interpreted and executed by the CPU. 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 payment contract is made in installments as necessary. It is read mechanically by the examination device 100. 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 installment payment contract examination device 100 via an arbitrary network, and all or a part thereof may be downloaded as needed. It is possible.

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 Disk), 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 a plurality of modules or libraries, or cooperates with a separate program represented by an OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium and the installation procedure after reading in each device shown in the present embodiment.

Various databases and the like stored in the storage unit 106 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 installment payment contract examination 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 any peripheral device is connected. Further, the installment payment contract examination 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.

INDUSTRIAL APPLICABILITY The present invention is useful in the financial industry including the credit card industry and the credit card industry.

100 Installment payment contract examination device 102 Control unit 102a Master setting unit 102b Qualitative evaluation result acquisition unit 102c Quantitative evaluation result acquisition unit 102d Comprehensive judgment result acquisition unit 102e Final judgment input control unit 102f Examination result acquisition unit 102g Result confirmation display unit 104 Communication interface unit 106 Storage unit 106a Examination item master 106b In-house examination standard master 106c Scoring standard master 106d Application database 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (12)

It is a installment payment contract examination device equipped with a storage unit and a control unit.
The storage unit is
An application storage means for storing application data for installment payment contracts that meet the legal review standards of designated credit information agencies based on the installment sales method,
An in-house examination standard storage means for storing an in-house examination standard master that sets an in-house examination standard for qualitative evaluation of the installment payment contract, and a means for storing the in-house examination standard.
Equipped with
The control unit
A qualitative evaluation result acquisition means for acquiring a qualitative evaluation result for the application data based on the in-house examination standard master.
A installment payment contract examination device characterized by being equipped with. The storage unit is
A scoring standard storage means for storing a scoring standard master that sets a scoring standard for quantitative evaluation of the installment payment contract.
Further prepare
The control unit
A quantitative evaluation result acquisition means for acquiring a quantitative evaluation result for the application data based on the scoring standard master.
The installment payment contract examination device according to claim 1, further comprising. The control unit
A comprehensive judgment result acquisition means for acquiring a comprehensive judgment result for the application data based on the qualitative evaluation result and the quantitative evaluation result.
The installment payment contract examination device according to claim 2, further comprising. The means for acquiring the quantitative evaluation result is
The installment payment contract examination device according to claim 2, wherein the quantitative evaluation result for the application data for which the qualitative evaluation result has passed or the judgment is pending is acquired based on the scoring standard master. The control unit
Comprehensive judgment result acquisition means for acquiring the comprehensive judgment result for the application data for which the quantitative evaluation result has passed or the judgment is pending.
The installment payment contract examination device according to claim 4, further comprising. The control unit
The final judgment input control means for displaying the final judgment data for the application data whose comprehensive judgment result is pending judgment, and the final judgment input control means.
When the final judgment data is input, the examination result acquisition means for acquiring the final judgment data as the examination result for the application data, and
The installment payment contract examination device according to claim 3 or 5, further comprising. The control unit
Examination result acquisition means for acquiring the comprehensive judgment result as the examination result for the application data when the comprehensive judgment result is passed or failed.
The installment payment contract examination device according to claim 3 or 5, further comprising. The control unit
If the qualitative evaluation result is unsuccessful, the qualitative evaluation result is acquired as the examination result for the application data, and if the quantitative evaluation result is unsuccessful, the quantitative evaluation result is the examination result for the application data. Examination result acquisition means to acquire as
The installment payment contract examination device according to claim 3 or 5, further comprising. The control unit
A result confirmation display means for displaying the result confirmation screen of the examination result, which includes the display area of the qualitative evaluation result, the quantitative evaluation result, and / or the comprehensive judgment result.
The installment payment contract examination device according to any one of claims 6 to 8, further comprising. The storage unit is
Examination item storage means for storing the examination item master set by associating the examination items and calculation method,
Further prepare
The control unit
A master setting means that combines the examination items set in the examination item master and sets the in-house examination standard in which the examination content and the evaluation result are linked to the in-house examination standard master.
The installment payment contract examination device according to any one of claims 1 to 9, further comprising. It is a installment payment contract examination method for executing an installment payment contract examination device having a storage unit and a control unit.
The storage unit is
An application storage means for storing application data for installment payment contracts that meet the legal review standards of designated credit information agencies based on the installment sales method,
An in-house examination standard storage means for storing an in-house examination standard master that sets an in-house examination standard for qualitative evaluation of the installment payment contract, and a means for storing the in-house examination standard.
Equipped with
It is executed by the control unit.
A qualitative evaluation result acquisition step for acquiring a qualitative evaluation result for the application data based on the in-house examination standard master.
A method for reviewing installment payment contracts, characterized by including. It is a installment payment contract examination program to be executed by an installment payment contract examination device equipped with a storage unit and a control unit.
The storage unit is
An application storage means for storing application data for installment payment contracts that meet the legal review standards of designated credit information agencies based on the installment sales method,
An in-house examination standard storage means for storing an in-house examination standard master that sets an in-house examination standard for qualitative evaluation of the installment payment contract, and a means for storing the in-house examination standard.
Equipped with
In the control unit
A qualitative evaluation result acquisition step for acquiring a qualitative evaluation result for the application data based on the in-house examination standard master.
A installment contract review program to run.

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