JP5377199B2 - Disclosure system for personal credit information provided to credit information agencies - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To facilitate disclosing the same information as personal credit information provided to and registered in a credit information agent to the owner (card holder) of a credit card. <P>SOLUTION: When a credit card is used or such attributes as an address are changed, report data is created, and transmitted from a card company server to a credit information agent server (step 11). The credit information agent server checks presence/no presence of an error in the report data. When any error is present, the credit information agent server does not update the personal credit information but transmits error data to the card company server (YES in step 13, step 14). When any error is not present, the credit information agent server updates the personal credit information on the basis of the report data (NO in step 13, step 15). The card company server which has received the error data does not update the personal credit information (YES in step 16), but updates the personal credit information on the basis of the report data when any error is not present (NO in step 16, step 17). <P>COPYRIGHT: (C)2011,JPO&amp;INPIT

Description

  The present invention relates to a system for disclosing personal credit information provided to a credit information agency to a user.

  With the revision of the Money Lending Business Law, Installment Sales Law, etc., the examination using personal credit information registered in credit information agencies will be further tightened and the amount will be extremely reduced. As a result, depending on the content of the personal credit information registered with the credit information agency, it is expected that there will be more cases where loans are refused or credit card usage (extreme amount) is restricted. Has been.

  A user who has been denied a loan or whose credit card usage has been restricted is what the credit card issuer (hereinafter referred to as the card company) that he or she uses provides to the credit information agency. It is expected that more people will want to know if they are.

  By performing predetermined procedures and paying a predetermined fee, it is possible to obtain personal credit information (registration status) from a credit information agency (Non-patent Document 1). However, it is costly and is a hurdle for ordinary users.

CIC Co., Ltd. “Disclosure of Personal Credit Information” [Search September 14, 2009] Internet <http://www.cic.co.jp/rkaiji/ki01_kaiji.html>

  An object of the present invention is to make it possible to easily disclose the same information as personal credit information provided and registered to a credit information agency by a specific card company to a credit card owner (card holder). .

  The present invention provides a system for disclosing personal credit information provided to a credit information agency to a card holder. The system includes a receiving unit that receives input of credit card usage record data and card holder attribute change data, a first storage device that stores the use record data and attribute change data received by the receiving unit, and a predetermined timing. The personal credit information transmitting means for generating report data based on the usage record data and the attribute change data stored in the first storage device and transmitting the report data together with the card holder identification information to the credit information institution A second storage device capable of storing report data transmitted to the credit information institution by the credit information transmitting means; from the credit information institution when the credit information institution determines that the report data contains an error Error receiving means for receiving transmitted error data, and the error receiving means Therefore, when error data is not received, the report data transmitted to the credit information agency is stored in the second storage device, and when the error data is received by the error receiving means, Control means for controlling the second storage device is provided so that the report data transmitted to the credit information agency is not stored in the second storage device.

  The present invention also provides a program for controlling the system. In this program, the accepting unit accepts input of credit card usage record data and card holder attribute change data, and the first storage device stores the use record data and attribute change data received by the accepting unit. The personal credit information transmitting means creates report data based on the usage record data and attribute change data stored in the first storage device at a predetermined timing, and together with the card holder identification information, the credit information organization And the error receiving means receives error data transmitted from the credit information agency when the credit information agency determines that the report data includes an error, and the control means receives the error data. If the error data is not received by the error receiving means, the above-mentioned report sent to the credit information agency If the data is stored in the second storage device and the error data is received by the error receiving means, the report data transmitted to the credit information agency is not stored in the second storage device. The second storage device is controlled.

  Generally, personal credit information is collected and registered in a credit information agency from a plurality of card companies. That is, the credit information organization collects personal credit information held by each card company. Personal credit information registered with a credit information institution is generally used as a judgment material for a credit card company to investigate the payment ability of a consumer (card holder). When a new credit or loan application is accepted, the credit information agency will provide personal credit information registered with the credit information agency to the credit card company when reviewing the credit line and confirming changes in credit status . Based on the personal credit information provided, the card company makes a credit decision and performs credit management.

  From the credit card company to the credit information agency, at least credit card usage results (including both cashing and shopping) and cardholder attribute changes are reported. The card usage record includes the contract details (when and where the shopping was performed, the repayment (settlement) method and due date of the merchandise), the presence or absence of repayment delay, and the like. Cardholder attribute changes include cardholder name change, address change, telephone number change, and the like. The usage record data and attribute change data are transmitted as report data to the personal credit information agency. In general, a part of the usage record data and the attribute change data (for example, only the data of the changed data item) is the report data, but the whole may be the report data. Report data is created and transmitted to a credit information agency at a predetermined timing, for example, once a day (daily) or once a month (monthly). The report data (or a part thereof) transmitted to the credit information agency is registered (stored in the storage device) at the credit information agency, and is handled as personal credit information.

  According to the present invention, report data, which is the basis for registration of personal credit information in the credit information institution, is transmitted to the credit information institution and is basically stored in the second storage device. For this reason, not all of the personal credit information registered with credit information agencies including personal credit information provided by other card companies (other companies), but the card company (in-house) that has introduced the system according to the present invention. By providing the credit information agency with the credit information agency, the same information as the information registered with the credit information agency can be provided to the card holder. The storage of the report data in the second storage device includes not only a mode of storing the report data as it is but also a mode (update) of overwriting and storing only the data of the changed data item.

  As described above, the credit information organization collects personal credit information from multiple card companies, but if the data (report data) sent from the card company to the credit information organization contains an error, the report data The credit card company may be informed of errors without registering (updating) personal credit information based on. The system according to the present invention also performs processing corresponding to the system of the credit information agency. That is, as a result of determining that the report data includes an error in the credit information agency, if the error data from the credit information agency is accepted, the report data transmitted to the credit information agency is stored in the second memory. Only when there is no error data without being stored in the device, the report data transmitted to the credit information agency is stored in the second storage device. Even if report data including an error is transmitted to the credit information agency, the second storage device can be kept in the same content as the information registered in the credit information agency.

  In one embodiment, the disclosure request accepting means for accepting a disclosure request for personal credit information from a specific card holder, which is input using a user terminal, and the acceptance of the disclosure request by the disclosure request accepting means, Personal credit information disclosure means for reading report data (personal credit information) stored in the second storage device for the specific card holder and transmitting the report data to the user terminal is further provided.

  As described above, the second storage device stores the same information as the personal credit information registered in the credit information institution provided by the card company (in-house) to the credit information institution. It is possible to accurately disclose to the user (card holder) what information the card company that is using provides to the credit information agency.

It is a block diagram which shows the whole structure of the computer system regarding a credit card. The processing in the card company server is shown together with the processing flow of the user terminal 2 and the credit information institution server 8. (A)-(C) show the card contract table, the sales table, and the claim balance table included in the transaction database, respectively. Daily report data is shown. Shows monthly report data. It is a flowchart which shows the process of the update / non-update of the personal credit information database and company registration personal credit information database based on report data. The example of a provision screen of personal credit information is shown. It is a time chart which shows the utilization track record of the credit card by a specific card holder. The company registration personal credit information database and transaction database in the timing A of the time chart shown in FIG. 8 are shown. The company registration personal credit information database and transaction database in the timing B of the time chart shown in FIG. 8 are shown. The monthly report data for March and the company registered personal credit information database at the timing C shown in FIG. 8 are shown. The company registration personal credit information database and transaction database in the timing D of the time chart shown in FIG. 8 are shown. The company registration personal credit information database and transaction database in the timing E of the time chart shown in FIG. 8 are shown.

  FIG. 1 schematically shows the overall configuration of a computer system related to a credit card.

  Network 1 (Internet, etc.), multiple user terminals (personal computer, portable terminal, etc.) 2, multiple store terminals (credit card information reading terminal) 3, multiple cash dispensers 4, and credit card issuing company Server computers (hereinafter referred to as servers) 5, 6, and 7 of X, Y, and Z (hereinafter referred to as card companies) are connected. Each of the servers 5, 6, and 7 includes a CPU, a memory, a hard disk, a communication device, and the like, and executes a predetermined operation to be described later according to a program stored in the hard disk.

  The cash card is issued by the card company and given to the user. The user who owns the credit card is hereinafter referred to as “card holder”. The card holder uses a credit card using a user terminal (personal computer, portable terminal, etc.) 2, a store terminal (credit card reading terminal) 3 installed in a member store, or a cash dispenser 4. Shopping or cashing is performed using a credit card. Credit card usage results (date, purchased product, price, etc.) by shopping or cashing are transmitted to the card company server of the used credit card and stored (registered) in the storage device.

  In this embodiment, transaction databases 5a, 6a, and 7a (storage devices in which databases are constructed) are connected to the servers 5 to 7 of the card company X, the card company Y, and the card company Z, respectively. When shopping or cashing is performed using a credit card issued by the card company X, the usage record is shown from the user terminal 2, the store terminal 3 or the cash dispenser 4 to the server 5 of the card company X via the network 1. Data is transmitted and stored in the transaction database 5a of company X. The same applies to the servers 6 and 7 of the card company Y and card company Z. When shopping or cashing is performed using a credit card issued by the card company Y, the usage record is transmitted to the server 6 of the card company Y and stored in the transaction database 6a of the Y company. When shopping or cashing is performed using a credit card issued by the card company Z, the usage record is transmitted to the server 7 of the card company Z and stored in the transaction database 7a of the Z company.

  In the case of shopping, the card company once takes over payment to the merchant, and charges the card holder who did the shopping at a later date. If it is cashing, the card company directly lends cash to the cardholder. The cardholder later repays the principal of the loan amount and the interest on the loan amount to the credit card company.

  All of the servers 5 to 7 of the card companies X, Y and Z are connected to the server 8 of the credit information agency via the network. The credit information institution server 8 is transmitted from the card companies X, Y, and Z (credit history) of the credit card used by the card holder, payment status, etc. (personal credit information of each user of the card company) (credit history). The transmitted personal credit information is stored in the personal credit information database 8 a connected to the credit information institution server 8. In the personal credit information database 8a, personal credit information sent from a plurality of card companies X, Y, Z is stored.

  For example, assume that one consumer owns two credit cards issued by a card company X and a card company Y. In this case, when the consumer uses the credit card of the card company X, the usage record is transmitted to the server 5 of the card company X and stored in the transaction database 5a of the card company X. When the credit card of the card company Y is used, the usage record is transmitted to the server 6 of the card company Y and stored in the transaction database 6a of the card company Y. Both of these, that is, both the credit card usage record of the card company X and the credit card usage record of the card company Y are registered in the personal credit information database 8a of the credit information agency.

  The registration contents (personal credit information, credit history) of the credit information institution's personal credit information database 8a are generally used as judgment materials for the card companies X, Y, Z to investigate the payment ability of consumers (card holders). It is done. When a new credit or loan application is received from a card holder, when the credit line is reviewed or the change in credit status is confirmed, the credit information agency stores the credit card information stored in the personal credit information database 8a ( Personal credit information for a specific cardholder is provided. Based on the provided personal credit information, the card companies X, Y, and Z make credit judgments and perform credit management.

  The card companies X, Y, and Z can make credit judgment more accurately and quickly by using the personal credit information registered in the personal credit information database 8a. On the other hand, the card holder has an advantage that credit card and loan can be used promptly because the credit judgment of the card company is made speedily. In addition, the personal credit information registered in the personal credit information database 8a is also used to serve as a check function so that a large amount or multiple borrowings exceeding the repayment ability of the card holder do not occur. This also has the aspect of protecting consumers.

  However, if a cardholder is denied a loan from a card company or restricted from using a credit card, the card holder will ask the credit information agency what information the credit card issuer that he / she uses. There are cases where you want to know what you are offering.

  You can obtain your personal credit information from a credit information agency by following the prescribed procedure and paying the prescribed fee. However, it can be said that it is a hurdle for ordinary consumers. In addition, an agreement (contract) between a credit card company and a credit information agency may stipulate that personal credit information obtained from a credit information agency should not be communicated to third parties including the principal for any reason. For this reason, the card company can obtain the personal credit information of a specific consumer from the credit information agency, but cannot disclose the personal credit information obtained from the credit information agency to the consumer.

  Referring to FIG. 1, among the servers 5 to 7 of the card companies X, Y, and Z, the server 6 of the card company Y is connected with a company database personal credit information database 6b together with the transaction database 6a. Although details will be described later, personal credit information transmitted from the credit card company Y to the credit information institution server 8 is stored in the company-registered personal credit information database 6b. That is, for the card company Y, unlike the card companies X and Z, the card holder of the credit card issued by the card company Y wants to know what information the card company Y provides to the credit information agency. , We can meet that demand. Since the personal credit information that is stored (accumulated) by the card company Y is provided to the consumer instead of the personal credit information acquired from the credit information agency, the agreement between the card company and the credit information agency described above ( Contract) (Personal credit information obtained from credit information agencies should not be informed to any third party including the principal for any reason). Although details will be described later, when the personal credit information of the credit information institution server 8 is updated, the company registered personal credit information database 6b of the card company Y is also updated. The latest registration status is provided (disclosed) to the card holder.

  FIG. 2 shows the processing in the server 6 of the card company Y together with the processing flow of the card holder (user terminal 2) and the credit information institution server 8.

  With reference to the upper part of FIG. 2, the card company Y server 6 performs normal card business processing. When credit card enrollment, credit card use (shopping, cashing), payment (repayment), attribute change (change of name, address, telephone number, etc.) is made, the contract contents are stored in the transaction database 6a of the server 6 of the card company Y , Payment status, balance etc. registration processing or update processing is performed.

  3A to 3C specifically show a part of the transaction database 6a of the card company Y. In this embodiment, the transaction database 6a includes three data tables, a card contract table 21 (FIG. 3A), a sales table 22 (FIG. 3B), and a credit balance table 23 (FIG. 3C). It is configured.

  The card contract table 21 stores data such as “card number”, “name”, “birth date”, “address”, and “phone number”. Name, date of birth, address and telephone number are based on notifications from consumers. The card number is a unique number assigned by the card company Y, and is generally stamped on the surface of the issued credit card.

  The sales table 22 stores data such as “use date”, “card number”, “credit type”, “member store”, and “use amount”. Each time a credit card is used, a new record is created in the sales table 22, and the credit card usage record (usage date, card number, credit line, member store and usage amount) is registered (recorded) in the created record. Is done.

  The credit balance table 23 stores data representing “card number”, “shopping (SP) balance”, “caching (CS) balance”, and the like. When a credit card is used a plurality of times, the total value (credit receivable balance) is registered in the receivable balance table 23 by distinguishing between shopping (SP) and cashing (CS).

  Returning to FIG. 2, when the credit card is used or the attribute (address, etc.) of the card holder is changed, the reporting process to the credit information organization is performed. The reporting process to the credit information agency is performed at either the daily or monthly timing for the data of items whose registration contents have changed.

  FIG. 4 shows an example of daily report data.

  The daily report data is reported (transmitted) from the card company to the credit information agency once a day. When cashing is used or when attributes are changed (address, name, phone number, etc.), the card company Y server 6 creates daily report data on that day and sends it to the credit information agency server 8 To do. The daily report data shown in FIG. 4 shows that “Tokyo Taro”, the card holder of the credit card with the card number “87654321”, performed cashing (CS) using a credit card on March 25, 2009. Withdrawing 60,000 yen, the total balance (total amount of Tokio Taro's debt) is 200,000 yen, out of 200,000 yen, the cashing (CS) balance is 180,000 yen. The shopping balance is 20,000 yen).

  Daily report data includes “card number”, “name”, “date of birth”, “address”, “phone number”, “latest withdrawal date”, “latest withdrawal amount”, “total balance”, “caching” A plurality of data items such as “Balance” and “Name before change” are included. Of these data items, the card number, name, and date of birth are treated as key items. Except for key items, blank items indicate that there is no change in the registered contents, and items that contain data indicate items that have changed.

  FIG. 5 shows an example of monthly report data.

  The monthly report data is reported (transmitted) from the card company to the credit information agency once a month (for example, on the 25th of every month). When shopping is used, the server 6 of the card company Y creates monthly report data and transmits it to the credit information institution server 8. In the example shown in FIG. 5, “Tokkyo Taro”, the card holder of the credit card with the card number “8765421”, uses a credit card for shopping (SP) during one month, and the total amount of receivables is 200,000 yen. (Of these, cashing (CS) usage is 180,000 yen) (credit usage is 20,000 yen).

  Monthly report data has the same data items as daily report data, and the card number, name, and date of birth are treated as key items. Except for key items, blank items indicate that there is no change in the registered contents, and items that contain data indicate items that have changed.

  Referring to the middle part of FIG. 2, the daily report data (FIG. 4) and the monthly report data (FIG. 5) described above are the data in the transaction database 6a for the specific card holder and the company registered personal credit information database 6b. Created by extracting the difference between the data inside. Using the card number as a key, the data of credit card usage results (the card contract table 21, the sales table 22, and the credit balance table 23 described above) by a specific card holder whose registration content has been changed was read and read The data and the registration contents of the personal credit information database 6b (described later) for the card holder are compared for each item, and data of data items with different data are included in the daily report data and the monthly report data. It is done.

  FIG. 6 shows the flow of processing from creation of report data (daily report data or monthly report data) by the card company Y server 6 to data registration (update) in the credit information institution and the card company Y server 6. It is a flowchart to show. Hereinafter, the middle part of FIG. 2 and FIG. 6 will be referred to.

  The data of the item whose registration contents have been changed is extracted from the transaction database 6a, and the extracted data is used as daily report data or monthly report data along with the card number, name and date of birth (key items) as credit information. It is transmitted to the engine server 8 (process I in FIG. 2, step 11 in FIG. 6).

  When the credit information institution server 8 receives report data (daily report data or monthly report data) from the card company Y, the credit information institution server 8 determines (determines) whether or not there is an error in the received report data (Process II, FIG. 2). Step 12) in FIG.

  The credit information institution server 8 determines whether or not there is an error by determining whether or not each of the data items of the plurality of data items included in the report data conforms to predetermined data characteristics (rules). Is done by. For example, if the data of a data item that should be numeric data is character data, or if the data of a data item that should be an 11-digit number is a 10-digit number, data characteristics (rules) determined in advance If data that does not meet the requirements is included, the report data is determined to contain an error.

  If no error is included in the report data, the report data is stored in the personal credit information database 8 a of the credit information institution server 8. That is, the personal credit information of the credit card used by the card company Y stored in the personal credit information database 8a for the specific card holder is updated based on the report data ("Process II in FIG. 2" Update ", NO at step 13 in FIG. 6, step 15). On the other hand, if the report data includes an error, the report data is returned (returned) to the server 6 of the card company Y as it is, or data indicating that the report data includes an error is the server of the card company Y. 6 ("not updated" in process II in FIG. 2, process III, YES in step 13 in FIG. 6, step 14). If it is determined that an error is included, the credit information institution server 8 does not update the personal credit information based on the report data.

  When the server 6 of the card company Y receives report data including an error or data indicating that the report data includes an error, the server 6 of the card company Y does not register the report data in the self-registered personal credit information database 6b. The process ends ("not updated" in process IV of FIG. 2, YES in step 16 of FIG. 6). On the other hand, when there is no error in the report data (when the report data including the error or the data indicating that the report data includes the error is not received), the report data transmitted to the credit information agency server 8 is used. The personal credit information registered in the company-registered personal credit information database 6b for the specific card holder is updated ("update" in process IV in FIG. 2, NO in step 16 in FIG. 6, step 17). As a result, regardless of whether there is an error, the personal credit information database 6b of the card company Y stores the personal credit for the credit card usage of the card company Y stored in the personal credit information database 8a of the credit information agency. The same information as the information will be stored.

  Since the same information as the personal credit information provided by the credit card company Y to the credit information agency is stored in the personal credit information database 6b of the credit card company Y, what information the credit card company Y provides to the credit information agency. Whether the information is provided (personal credit information registered in the credit information agency based on the information provided by the card company Y) can be disclosed to the card holder of the credit card of the card company Y (lower part of FIG. 2) reference).

  FIG. 7 shows an example of a screen displayed on the card holder when the card holder who owns the credit card of the card company Y requests disclosure of personal credit information provided by the card company Y to the credit information agency. ing.

  As described above, in the self-registered personal credit information database 6b of the card company Y, the same data as the data provided by the card company Y to the credit information agency and stored in the personal credit information database 8a of the credit information agency is stored. It is remembered. For this reason, based on the personal credit information stored in the company-registered personal credit information database 6b, the same content as the personal credit information registered in the credit information agency can be provided to the card holder.

  In the registered content display screen W1, the card holder of the credit card of the card company Y inputs the ID and password from the user terminal (personal computer, etc.) 2 (and inputs the disclosure request for the registered content), and the authentication is performed. It is displayed on the display screen of the display device of the user terminal 2 on the condition that it succeeds. The server 6 of the card company Y reads data on the card holder specified by the ID and password from the company registered personal credit information database 6b and transmits the data to the user terminal 2. The same contents as personal credit information (provided by credit card company Y) registered at the credit information agency at the time of user authentication, here, name, date of birth, address, telephone number, latest withdrawal The date, the latest withdrawal amount, and the balance are displayed on the display screen of the user terminal 2.

  The registered content display screen W1 can display not only the same content as the personal credit information registered in the credit information agency but also its details. As described above, the transaction database 6a of the card company Y contains detailed data other than the data included in the report data transmitted from the card company Y to the credit information agency.

  For example, the daily report data sent from the credit card company Y to the credit information agency includes data on the latest withdrawal date and the latest withdrawal amount (see Fig. 4). It does not include data up to what was done (using ATM). On the other hand, the sales table 22 (FIG. 3 (B)) in the transaction database 6a of the card company Y, which is the basis for creating the report data, contains only the usage date (latest withdrawal date) and usage amount (latest withdrawal amount). It also includes data representing the use store (ATM). Based on the data stored in the transaction database 6a, the grounds (detailed data) for the registration of personal credit information in the credit information agency can also be shown on the card holder ("* latest output on registration content display screen W1). (Refer to "Friday and withdrawal amount")

  As described above, the monthly report data is generated once a month in the report data, and the data is updated in the credit information institution server 8 when the report data includes an error. As a result, personal credit information registered at a credit information agency may not necessarily reflect the latest information. On the other hand, the latest information is always stored in the transaction database 6a. When the latest information is not registered in the credit information agency, the fact (not registered in the credit information agency) can be displayed on the registration content display screen W1 together with the latest information (registration content). (See “About Address” on display screen W1).

  Hereinafter, the use of the credit card by the card holder and the data registration (update) processing performed at the card company Y and the credit information institution with the use of the card will be specifically described along the time chart shown in FIG.

  The time chart shown in FIG. 8 is for “Sato Hanako”, which is the card holder of the credit card with the card number “12345678”. Cashing of 150,000 yen on February 10, 2009, March 10, 2009 50,000 yen shopping, attribute change notification on April 5, 2009 (name, address and phone number change), and attribute change notification again on April 9, 2009 (phone number correction) This is an example. Examples of transaction database 6a (card contract table 21, sales table 22 and receivable balance table 23), self-registered personal credit information database 6b, and report data at five timings of alphabets A to E on the time chart are as follows: It is shown in FIGS.

(1) Timing A (before March 10, 2009) (FIG. 9)
With reference to FIGS. 8 and 9, since 150,000 yen was cashed on February 10, 2009, this usage record is stored in the sales table 22 and the credit balance table 23 of the transaction database 6a, and registered in-house. It is registered in the personal credit information database 6b. As for the caching, report data is created by daily processing. Therefore, daily report data including usage results by caching is created on the same day that the caching is performed, and based on this, the personal credit information database of the credit information agency. The usage record is registered in 8a, and the use record is registered in the self-registered personal credit information database 6b (assuming that there was no error in the daily report data). As described above, the same data as the self-registered personal credit information database 6b is stored in the personal credit information database 8a of the credit information institution.

(2) Timing B (March 10, 2009 to March 24, 2009) (FIG. 10)
Referring to FIG. 8, shopping for 50,000 yen was carried out on March 10, 2009. Referring to FIG. 10, the actual use of 50,000 yen shopping on March 10, 2009 is registered in sales table 22 and bond balance table 23 of transaction database 6a. Unlike the above-described caching, the actual usage is stored in monthly report data created by monthly processing (25th of every month) for shopping. Therefore, at the time point (timing B) before the monthly processing in March (March 25, 2009), the self-registration personal credit information database 6b (and the personal credit information database 8a of the credit information agency) The shopping experience of shopping on March 10 has not been reflected yet.

(3) Timing C (after March 25, 2009) (FIG. 11)
In the monthly processing, the credit card usage record by shopping is transmitted to the credit information institution server 8 as monthly report data. The monthly report data for March includes the shopping use results from February 26, 2009 to March 25, 2009. Monthly report data including the shopping use result (50,000 yen) on March 10, 2009 is transmitted to the credit information institution server 8. Referring to the monthly report data in FIG. 11, the total balance is 200,000 yen in the monthly report data of Sana Hanako who owns the credit card with the card number 12345678 sent on March 25, 2009 . This is the total amount of cash used on February 10, 2009 (150,000 yen) and shopping used on March 10, 2009 (50,000 yen).

  When the monthly report data is registered in the credit information agency server 8 (that is, when it is determined that there is no error in the received monthly report data), the contents of the monthly report data transmitted by the server 6 of the card company Y However, it is also registered in the self-registered personal credit information database 6b. The data in the personal credit information database 8a of the credit information institution (provided by the card company Y) is matched with the data in the personal registration information database 6b of the card company Y.

(4) Timing D (after April 5, 2009) (after attribute change) (FIG. 12)
It is assumed that the name (name) of Hanako Sato, the card holder of the credit card with the card number “12345678”, has been changed to “Takahashi” by marriage, and the address and telephone number have also changed. In this case, the card holder notifies the card company Y of an attribute change notification (name change, address change, telephone number change, etc.). It is assumed that an attribute change notification is received on April 5, 2009 using the user terminal (personal computer) 2 and transmitted to the server 6 of the card company Y, for example. Based on the name after the change, the server 6 of the card company Y updates (changes) the contents of the card contract table 21 of the transaction database 6a (the card contract table 21 (before change) shown in FIG. 9) and FIG. Compare card contract table 21 (after change) shown).

  Changes to card contract details are reported daily. If the attribute change is accepted on April 5, 2009, the daily report data is created in the card company Y server 6 on April 5, 2009 and transmitted to the credit information institution server 8. The daily report data to be created includes data representing the card number, the name (after change), the address (after change), the telephone number (after change), and the name before change. When data is stored in the “name before change” of the daily report data, the data item “name before change” is used as the key item in the credit information institution server 8 instead of the data item “name”. That is, when the credit information institution server 8 receives the report data in which data is stored in the “name before change”, the credit information database 8a uses the card number, the name before change and the date of birth as key items. Search data related to a specific cardholder.

  Here, it is assumed that there is an error in the daily report data (the mobile phone number starting from “090”, “080”, “070” is an 11-digit number, but it is 10 digits even though it starts from “090”). Is included in the daily report data as the changed telephone number). In this case, as described above, the credit information agency server 8 determines that the received report data includes an error, and returns (returns) the report data to the server 6 of the card company Y (or includes an error). Send data indicating that the The content of the report data determined to contain an error is not registered in the personal credit information database 8a in the credit information institution server 8 (no update), and is also stored in the company registered personal credit information database 6b in the server 6 of the card company Y. Not registered (no update). Therefore, even when an error report is made, the data in the personal credit information database 8a (provided by the card company Y) of the credit information institution matches the data in the personal credit information database 6b registered in the card company Y. . If there is an error report, the contents of the transaction database 6a of the card company Y (here, the card contract table 21) and the personal registration personal credit information database 6b do not match.

(5) Timing E (after April 9, 2009) (after telephone number correction) (FIG. 13)
Based on the error report from the credit information agency, a correction request is made from the card company Y to the card holder (here, Hanako Takahashi who owns the credit card with the card number 12345678) by telephone, mail or the like. Assume that an attribute change notification including a correct telephone number is received on April 9, 2009. In this case, the card company Y server 6 updates (changes) the contents of the card contract table 21 of the transaction database 6a (the card contract table 21 (before correction) shown in FIG. 12 and the card contract table 21 (correction) shown in FIG. Contrast with later).

  Daily report data including the corrected telephone number is created in the card company Y server 6 and transmitted to the credit information agency server 8. Since the new daily report data does not include an error, the contents of the daily report data are registered (updated) in the personal credit information database 8a of the credit information agency, and in the self-registered personal credit information database 6b of the card company Y. Is also registered (updated). The data in the personal credit information database 8a of the credit information institution (provided by the card company Y) matches the data in the personal credit information database 6b registered in the card company Y. The contents of the transaction database 6a (card contract table 21) of the card company Y and the self-registered personal credit information database 6b also match.

DESCRIPTION OF SYMBOLS 1 Network 2 User terminal 3 Store terminal 4 Cash dispenser 5, 6, 7 Card company server computer 6a Transaction database 6b Personal registration personal credit information database 8 Credit information agency server computer 8a Personal credit information database

Claims (4)

Accepting means for accepting input of credit card usage record data and cardholder attribute change data,
A first storage device for storing usage record data and attribute change data received by the receiving means;
Personal credit information transmitting means for generating report data based on the usage record data and attribute change data stored in the first storage device at a predetermined timing and transmitting the report data together with the card holder identification information to a credit information agency. ,
A second storage device capable of storing report data transmitted to the credit information agency by the personal credit information transmitting means;
Error receiving means for receiving error data transmitted from the credit information agency when the credit information agency determines that the report data includes an error, and error data is received by the error receiving means. If not, the report data sent to the credit information agency is stored in the second storage device, and if the error data is received by the error receiving means, the report data is sent to the credit information agency. Control means for controlling the second storage device so as not to store the report data in the second storage device;
Disclosure system for personal credit information provided to credit information agencies. Disclosure request accepting means for accepting a disclosure request for personal credit information from a specific card holder, which is input using a user terminal, and the specific card holder according to acceptance of the disclosure request by the disclosure request accepting means A personal credit information disclosure means for reading report data stored in the second storage device and transmitting the report data to the user terminal;
The personal credit information disclosure system according to claim 1. The accepting means accepts input of credit card usage record data and card holder attribute change data,
The first storage device stores the usage record data and attribute change data received by the receiving means,
The personal credit information transmitting means creates report data based on the usage record data and attribute change data stored in the first storage device at a predetermined timing, and sends it to the credit information agency together with the card holder identification information. Send
Error receiving means receives error data transmitted from the credit information agency when the credit information agency determines that the report data contains an error,
When the error data is not received by the error receiving means, the control means stores the report data transmitted to the credit information agency in a second storage device, and the error data is received by the error receiving means. If received, the second storage device is controlled so that the report data transmitted to the credit information agency is not stored in the second storage device.
A program that controls the system for disclosing personal credit information provided to credit information agencies. A disclosure request accepting unit accepts a disclosure request for personal credit information from a specific card holder, which is input using a user terminal;
The personal credit information disclosure means reads report data stored in the second storage device for the specific card holder and transmits it to the user terminal in response to acceptance of the disclosure request by the disclosure request reception means. To control the disclosure system,
The program according to claim 3.

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